:root{
  --navy:#071725; --navy2:#0d2b43; --gold:#ffd23f; --white:#fff;
  --light:#f5f8fb; --text:#142333; --muted:#4a5d6d; --border:#d6e0e8; --focus:#ffbf00;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.6}
a{color:inherit}
.container{width:min(1160px,92%);margin:auto}
.skip-link{position:absolute;left:-9999px;top:auto}
.skip-link:focus{left:16px;top:16px;z-index:9999;background:#fff;color:#000;padding:12px 16px;border:3px solid var(--focus);border-radius:7px}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px}
header{position:sticky;top:0;z-index:50;background:rgba(7,23,37,.98);color:#fff;border-bottom:1px solid rgba(255,255,255,.12)}
.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.logo-wrap{display:flex;align-items:center;gap:14px;text-decoration:none}
.logo-symbol{width:50px;height:50px;position:relative;display:grid;place-items:center}
.logo-shield{width:44px;height:48px;border:3px solid #fff;border-radius:20px 20px 16px 16px;clip-path:polygon(50% 0,100% 15%,90% 72%,50% 100%,10% 72%,0 15%);position:absolute}
.logo-check{position:absolute;width:27px;height:13px;border-left:6px solid #fff;border-bottom:6px solid #fff;transform:rotate(-45deg);top:22px;left:13px}
.logo-hat{position:absolute;width:32px;height:15px;background:var(--gold);border-radius:18px 18px 5px 5px;top:8px;left:9px}
.logo-hat:after{content:"";position:absolute;left:3px;right:3px;bottom:-4px;height:5px;background:var(--gold);border-radius:4px}
.brand-text strong{display:block;font-size:18px;color:#fff}.brand-text small{display:block;font-size:11px;letter-spacing:1.05px;color:#d7e1e9}
.desktop-nav{display:flex;align-items:center;gap:16px;font-size:14px}.desktop-nav a{text-decoration:none;color:#fff}.desktop-nav a:hover{text-decoration:underline;text-underline-offset:4px}
.mobile-nav{display:none;position:relative}.mobile-nav summary{list-style:none;cursor:pointer;border:2px solid #fff;border-radius:8px;padding:7px 11px;color:#fff;font-size:24px;line-height:1}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav-panel{position:absolute;right:0;top:54px;min-width:230px;background:#071725;border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:10px;box-shadow:0 12px 30px rgba(0,0,0,.25)}.mobile-nav-panel a{display:block;color:#fff;text-decoration:none;padding:11px 12px;border-radius:7px}.mobile-nav-panel a:hover,.mobile-nav-panel a:focus{background:#102c44}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.btn{display:inline-block;padding:12px 20px;border-radius:8px;font-weight:800;border:2px solid transparent;text-decoration:none;cursor:pointer;font:inherit}
.btn-gold{background:var(--gold);color:#101820}.btn-outline{border-color:#fff;color:#fff;background:transparent}.btn-dark{background:var(--navy);color:#fff}
.hero{background:linear-gradient(125deg,#071725 0%,#0b2940 55%,#123c58 100%);color:#fff;min-height:590px;display:flex;align-items:center;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;width:460px;height:460px;border:78px solid rgba(255,210,63,.09);border-radius:50%;right:-120px;top:38px}
.hero-inner{padding:90px 0 75px;max-width:850px;position:relative;z-index:1}
.kicker{font-size:13px;letter-spacing:1.8px;text-transform:uppercase;color:#d59e00;font-weight:900}
.hero .kicker{color:var(--gold)}
.hero h1{font-size:clamp(45px,7vw,72px);line-height:1.02;margin:14px 0 20px}.hero h1 span{color:var(--gold)}
.hero p{font-size:20px;color:#e8eef3;max-width:760px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0}
.hero-points{display:flex;gap:28px;flex-wrap:wrap;margin-top:35px;font-weight:700}.hero-points b{color:var(--gold)}
section{padding:78px 0}.section-top{display:flex;justify-content:space-between;gap:38px;align-items:flex-end;margin-bottom:34px}
.section-top h2{font-size:38px;line-height:1.1;margin:8px 0}.section-top p{max-width:560px;color:var(--muted)}
.feature-risk{display:grid;grid-template-columns:1.05fr .95fr;gap:24px;align-items:stretch;margin-bottom:28px}
.risk-main{background:var(--navy);color:#fff;border-radius:16px;padding:34px}
.risk-main h3{font-size:30px;line-height:1.15;margin:8px 0 12px}.risk-main p{color:#dbe5ec}
.risk-list{display:grid;gap:12px;background:var(--light);border-radius:16px;padding:28px}
.risk-list div{padding:12px 14px;background:#fff;border:1px solid var(--border);border-radius:10px}
.services,.compliance-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{border:1px solid var(--border);border-radius:14px;padding:24px;background:#fff;box-shadow:0 8px 24px rgba(15,35,55,.05)}
.icon{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;background:#ffe890;font-size:24px;margin-bottom:14px}
.card h3{margin:0 0 8px;font-size:19px}.card p{margin:0;color:var(--muted);font-size:15px}
.band{background:var(--light)}
.about-grid{display:grid;grid-template-columns:1.05fr .95fr;border-radius:18px;overflow:hidden;background:var(--navy);color:#fff}
.about-copy{padding:46px}.about-copy h2{font-size:38px;line-height:1.12;margin:8px 0 16px}.about-copy p{color:#e4ebf1}
.steps{background:#102c44;padding:36px;display:grid;align-content:center;gap:18px}
.step{display:grid;grid-template-columns:42px 1fr;gap:14px;align-items:center}.step-num{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:var(--gold);color:#101820;font-weight:900}
.step strong{display:block}.step small{color:#dde6ed}
.compliance{background:var(--navy);color:#fff}.compliance .section-top p{color:#dce5ec}.compliance .card{background:#102c44;border-color:#35536a;color:#fff}.compliance .card p{color:#dce5ec}
.quote-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:42px}.contact-boxes{display:grid;gap:12px}.contact-box{background:var(--light);padding:16px;border-radius:10px}
.contact-box a{color:#064f86;font-weight:800}
form{display:grid;gap:14px}.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}label{font-weight:800;font-size:14px}
input,select,textarea{width:100%;margin-top:6px;padding:13px;border:1px solid #748797;border-radius:8px;font:inherit;background:#fff;color:#111}
textarea{min-height:140px}.help{font-size:13px;color:var(--muted);font-weight:400}.required{color:#8a1f11}
.hp{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.status{margin-top:8px;font-weight:800}
.whatsapp{position:fixed;right:18px;bottom:18px;z-index:45;background:#0b5d3b;color:#fff;padding:13px 17px;border-radius:999px;text-decoration:none;font-weight:900;box-shadow:0 8px 28px rgba(0,0,0,.22)}
footer{background:#04121d;color:#e0e7ed;padding:45px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}.footer-title{color:#fff;font-weight:900}.footer-grid a{color:#fff}.footer-bottom{margin-top:28px;padding-top:20px;border-top:1px solid #355064;font-size:13px}
.cookie-banner{position:fixed;left:16px;right:16px;bottom:16px;z-index:100;background:#fff;color:#111;border:2px solid #071725;border-radius:12px;box-shadow:0 12px 40px rgba(0,0,0,.25);padding:18px;display:none}
.cookie-inner{display:flex;gap:20px;align-items:center;justify-content:space-between}.cookie-actions{display:flex;gap:10px;flex-wrap:wrap}
@media(max-width:900px){.desktop-nav{display:none}.mobile-nav{display:block}.services,.compliance-grid{grid-template-columns:1fr 1fr}.about-grid,.quote-grid,.feature-risk{grid-template-columns:1fr}.section-top{display:block}}
@media(max-width:560px){.services,.compliance-grid,.two{grid-template-columns:1fr}.brand-text{display:none}.hero h1{font-size:45px}.hero-actions .btn{width:100%;text-align:center}.footer-grid{grid-template-columns:1fr}.cookie-inner{display:block}.cookie-actions{margin-top:12px}.whatsapp{right:12px;bottom:12px}}