*{margin:0;padding:0;box-sizing:border-box}
:root{--blue:#1a3f8f;--dark:#111827;--gray:#6b7280;--light:#f9fafb;--white:#fff;--border:#e5e7eb;--green:#15803d}
body{font-family:'Segoe UI',-apple-system,BlinkMacSystemFont,sans-serif;color:var(--dark);background:var(--white);line-height:1.65;font-size:16px}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}

/* NAV */
nav{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;box-shadow:0 1px 4px rgba(0,0,0,0.06)}
.nav-inner{max-width:1200px;margin:0 auto;padding:0 24px;height:64px;display:flex;align-items:center;justify-content:space-between;gap:12px}
.logo{display:flex;align-items:center;gap:10px}
.logo img{width:40px;height:40px;border-radius:50%;object-fit:cover;flex-shrink:0}
.logo-name{font-size:15px;font-weight:800;color:var(--dark)}
.logo-sub{font-size:10px;color:var(--gray)}
.nav-links{display:flex;align-items:center;gap:4px}
.nav-links a{font-size:13px;font-weight:500;color:var(--gray);padding:8px 10px;border-radius:6px}
.nav-links a:hover{color:var(--dark);background:var(--light)}
.btn-nav{background:var(--blue)!important;color:#fff!important;border-radius:8px;padding:10px 18px!important;font-weight:700!important}
.btn-nav:hover{background:#152e6e!important}

/* HERO */
.hero{background:var(--white);border-bottom:1px solid var(--border)}
.hero-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;min-height:500px;align-items:stretch}
.hero-text{padding:64px 48px 64px 24px;display:flex;flex-direction:column;justify-content:center}
.hero-label{font-size:11px;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:1.5px;margin-bottom:18px}
.hero h1{font-size:36px;font-weight:800;color:var(--dark);line-height:1.2;letter-spacing:-0.5px;margin-bottom:20px}
.hero-sub{font-size:16px;color:var(--gray);line-height:1.75;margin-bottom:32px;max-width:480px}
.hero-btn{display:flex;align-items:center;justify-content:space-between;width:100%;max-width:400px;background:var(--blue);color:#fff;border:none;border-radius:12px;padding:16px 20px 16px 28px;font-weight:700;font-size:17px;cursor:pointer;font-family:inherit;text-decoration:none}
.hero-arrow{background:rgba(255,255,255,0.2);width:40px;height:40px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:20px}
.hero-img{overflow:hidden;background:#e8edf5}
.hero-img img{width:100%;height:100%;object-fit:cover;object-position:center 60%}

/* SECTIONS */
.section{padding:64px 24px}
.section-light{background:var(--light);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.container{max-width:1200px;margin:0 auto}
.slabel{font-size:11px;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:1.5px;margin-bottom:14px}
h2{font-size:28px;font-weight:700;color:var(--dark);line-height:1.25;margin-bottom:16px}
.ssub{font-size:16px;color:var(--gray);line-height:1.75;margin-bottom:28px;max-width:560px}
.center{text-align:center}
.btn-primary{background:var(--blue);color:#fff;border:none;border-radius:8px;padding:13px 28px;font-weight:600;font-size:15px;cursor:pointer;font-family:inherit;display:inline-block;text-decoration:none}

/* GRIDS */
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.grid-auto{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px}

/* CARDS */
.card{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:24px}
.compare-box{background:var(--light);border-radius:16px;padding:28px;border:1px solid var(--border)}
.check-list{list-style:none}
.check-list li{display:flex;gap:10px;margin-bottom:10px;font-size:14px;color:var(--gray)}
.check-list li::before{content:"✓";color:var(--green);font-weight:700;flex-shrink:0}
.dot-list{list-style:none}
.dot-list li{display:flex;gap:10px;margin-bottom:10px;font-size:14px;color:var(--gray)}
.dot-list li::before{content:"•";flex-shrink:0}
.border-block{border-left:3px solid var(--blue);padding-left:16px;margin-bottom:20px}
.border-block h3{font-size:14px;font-weight:700;color:var(--dark);margin-bottom:4px}
.border-block p{font-size:13px;color:var(--gray);line-height:1.6}
.validity-card{background:var(--light);border-radius:14px;padding:28px;border:1px solid var(--border)}
.validity-num{font-size:56px;font-weight:900;color:var(--dark);line-height:1;letter-spacing:-2px}
.validity-unit{font-size:16px;font-weight:700;color:var(--blue);margin-bottom:14px}
.step-card{padding:24px;border:1px solid var(--border);border-radius:14px;background:var(--white)}
.step-num{width:36px;height:36px;background:var(--blue);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;margin-bottom:14px}
.step-icon{font-size:22px;margin-bottom:10px}
.step-title{font-size:14px;font-weight:700;color:var(--dark);margin-bottom:6px}
.step-desc{font-size:13px;color:var(--gray);line-height:1.7}
.activity-card{background:var(--white);border:1px solid var(--border);border-radius:10px;padding:20px;text-align:center}
.activity-icon{font-size:26px;margin-bottom:10px}
.activity-label{font-size:13px;font-weight:600;color:var(--dark)}

/* FAQ */
.faq-item{border-bottom:1px solid var(--border)}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:18px 0;font-size:15px;font-weight:600;color:var(--dark);cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-family:inherit}
.faq-icon{font-size:20px;color:var(--gray);flex-shrink:0;margin-left:16px;transition:transform 0.2s;display:inline-block}
.faq-a{display:none;padding-bottom:18px;font-size:14px;color:var(--gray);line-height:1.75}
.faq-item.open .faq-a{display:block}
.faq-item.open .faq-icon{transform:rotate(45deg)}

/* CTA */
.cta-section{background:#111827;padding:64px 24px;text-align:center}
.cta-section h2{color:#fff;margin-bottom:14px}
.cta-section p{color:rgba(255,255,255,0.7);font-size:16px;margin-bottom:28px;max-width:480px;margin-left:auto;margin-right:auto}

/* FOOTER */
footer{border-top:1px solid var(--border);padding:48px 24px 28px;background:var(--white)}
.footer-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;margin-bottom:36px}
.footer-logo{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.footer-logo img{width:32px;height:32px;border-radius:50%;object-fit:cover}
.footer-logo span{font-size:15px;font-weight:800;color:var(--dark)}
.footer-desc{font-size:13px;color:var(--gray);line-height:1.7;max-width:280px;margin-bottom:14px}
.footer-meta{font-size:12px;color:var(--gray);line-height:2}
.fcol-title{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;color:var(--dark);margin-bottom:14px}
footer ul{list-style:none}
footer ul li{margin-bottom:10px}
footer ul a{font-size:13px;color:var(--gray)}
footer ul a:hover{color:var(--dark)}
.footer-bottom{max-width:1200px;margin:0 auto;border-top:1px solid var(--border);padding-top:20px;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:flex-start}
.footer-disc{font-size:11px;color:var(--gray);line-height:1.8;max-width:680px}
.footer-copy{font-size:12px;color:var(--gray);white-space:nowrap}

/* CONTACT FORM */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.contact-method{display:flex;gap:16px;margin-bottom:24px}
.contact-icon{width:46px;height:46px;background:var(--light);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0}
.contact-method h3{font-size:15px;font-weight:700;color:var(--dark);margin-bottom:3px}
.contact-method p,.contact-method a{font-size:14px;color:var(--gray)}
.form-group{margin-bottom:14px}
.form-group label{display:block;font-size:13px;font-weight:600;margin-bottom:5px}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:11px 14px;border:1px solid var(--border);border-radius:8px;font-size:14px;font-family:inherit;outline:none;box-sizing:border-box;background:var(--white)}
.form-group textarea{min-height:100px;resize:vertical}

/* PAGE HERO */
.page-hero{background:var(--light);border-bottom:1px solid var(--border);padding:48px 24px}

/* MOBILE */
@media(max-width:900px){
  .hero-inner{grid-template-columns:1fr}
  .hero-img{display:none}
  .hero-text{padding:48px 20px}
  .grid-2{grid-template-columns:1fr;gap:32px}
  .grid-3{grid-template-columns:1fr}
  .grid-4{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr;gap:28px}
  .contact-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column}
}
@media(max-width:600px){
  .grid-4{grid-template-columns:1fr}
  h2{font-size:22px}
  .hero h1{font-size:24px}
  .nav-links a:not(.btn-nav){display:none}
}