:root{--navy:#0A2472;--blue:#1E88E5;--cyan:#00A9E0;--ink:#0F1E3D;--mist:#EEF3FA;--line:#DCE6F2;--muted:#5B6B86;--white:#fff;--ok:#0E9F6E;--bad:#DC2626;--r:16px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font:16px/1.6 Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:Poppins,Inter,system-ui,sans-serif;line-height:1.2;margin:0 0 .5em;color:var(--ink)}
h1{font-size:clamp(2rem,4.6vw,3.1rem);font-weight:700}h2{font-size:clamp(1.5rem,3vw,2.1rem);font-weight:600}h3{font-size:1.15rem;font-weight:600}h4{font-size:1rem}
p{margin:0 0 1em}a{color:var(--blue)}img,svg{max-width:100%}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 14px;border-radius:8px;z-index:100}.skip:focus{left:8px}
:focus-visible{outline:3px solid #7CC0FF;outline-offset:2px;border-radius:6px}
.ic{width:1.25em;height:1.25em;vertical-align:-.2em;flex:none}
.muted{color:var(--muted)}.center{text-align:center}.maxw{max-width:640px;margin-left:auto;margin-right:auto}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;font:700 2.3rem Poppins,sans-serif;color:var(--ink);text-decoration:none}
.logo-img{height:60px;width:auto;display:block}
.logo-text{text-transform:uppercase;letter-spacing:.05em;color:#0B1F3F}
.logo-tile{background:#fff;border-radius:12px;padding:6px 9px;display:inline-flex}.logo-tile .logo-img{height:48px}
.slogan{color:#fff;font-weight:600;margin:10px 0 0;letter-spacing:.02em}
.about-logo{display:block;margin:0 auto 28px;width:520px;max-width:100%;height:auto}
.logo-mark{width:38px;height:38px;border-radius:12px;background:var(--blue);color:#fff;display:grid;place-items:center}.logo-mark .ic{width:20px;height:20px}
.logo-light,.logo-light .logo-text{color:#fff}
.nav{display:flex;align-items:center;gap:6px}
.nav>a:not(.btn){color:var(--ink);text-decoration:none;padding:8px 12px;border-radius:10px;font-weight:500;font-size:.95rem}
.nav>a:not(.btn):hover,.nav>a.on{background:var(--mist);color:var(--navy)}
.menu-btn{display:none;background:none;border:0;padding:10px;cursor:pointer}
.menu-btn span{display:block;width:22px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px;transition:.2s}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:10px 20px;border-radius:12px;border:1.5px solid transparent;font:600 .95rem Inter,sans-serif;cursor:pointer;text-decoration:none;transition:transform .15s,box-shadow .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 6px 16px -6px rgba(30,136,229,.7)}.btn-primary:hover{background:#1671C4}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}.btn-ghost:hover{background:var(--mist)}
.btn-light{background:#fff;color:var(--navy)}
.btn-lg{padding:14px 26px;font-size:1rem;border-radius:14px}.btn-block{width:100%}
.btn[disabled]{opacity:.6;cursor:wait;transform:none}

/* hero */
.hero{background:linear-gradient(150deg,#0A2472 0%,#1857C4 50%,#00A9E0 100%);color:#fff;padding:72px 0 64px;overflow:hidden}
.hero h1,.hero .lead{color:#fff}.hero .lead{font-size:1.1rem;color:rgba(255,255,255,.85);max-width:560px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:32px;align-items:center}
.eyebrow{display:inline-block;background:rgba(255,255,255,.15);padding:6px 14px;border-radius:999px;font-weight:600;font-size:.85rem;margin-bottom:16px}
.cta{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0}
.ticks{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px 22px;color:rgba(255,255,255,.9);font-size:.92rem}
.hero-art svg{width:100%;max-width:380px;display:block;margin:0 auto;filter:drop-shadow(0 20px 30px rgba(0,0,0,.25))}
.page-head{background:linear-gradient(150deg,#0A2472,#1857C4);color:#fff;padding:52px 0 44px}
.page-head h1{color:#fff;font-size:clamp(1.8rem,4vw,2.6rem)}.page-head p{margin:0;color:rgba(255,255,255,.85);max-width:640px}
.page-head.travel{background:linear-gradient(150deg,#0B4F6C,#1E88E5)}.page-head.insurance{background:linear-gradient(150deg,#0F3D3E,#0E9F6E)}

/* sections */
.section{padding:64px 0}.section.alt{background:var(--mist)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:0 8px 24px -16px rgba(15,30,61,.25)}
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}
.cards4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:28px}
.cards2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:36px}
.card h3{margin-top:12px}.card p{color:var(--muted);margin:0}
.svc{text-decoration:none;color:inherit;display:block;transition:transform .15s,box-shadow .15s,border-color .15s}
.svc:hover{transform:translateY(-3px);border-color:#9CC8F5;box-shadow:0 14px 30px -14px rgba(30,136,229,.45)}
.more{display:inline-block;margin-top:12px;color:var(--blue);font-weight:600;font-size:.9rem}
.fi{width:46px;height:46px;border-radius:14px;background:#EAF4FE;color:var(--blue);display:inline-grid;place-items:center;flex:none}
.fi .ic{width:22px;height:22px}
.feature-list{list-style:none;padding:0;margin:0;display:grid;gap:16px}
.feature-list li{display:flex;gap:14px;align-items:flex-start}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:36px;text-align:center}
.stats b{display:block;font:700 2rem Poppins,sans-serif;color:var(--navy)}.stats span{color:var(--muted)}
.band{background:linear-gradient(120deg,#0A2472,#1E88E5);color:#fff;padding:44px 0}
.band-in{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.band h2,.band p{color:#fff;margin:0}.band p{opacity:.85;margin-top:6px}
.svc-row{display:flex;gap:20px;padding:26px 0;border-bottom:1px solid var(--line)}.svc-row h2{font-size:1.4rem}
.prose{max-width:820px}.prose h2{font-size:1.3rem;margin-top:1.6em}.prose ul{padding-left:1.2em}.prose li{margin:.4em 0}
.notice{background:#FFF7E6;border:1px solid #FDE2A6;border-radius:12px;padding:14px 16px;margin:18px 0;color:#7A5200}
.contact-list{list-style:none;padding:0;margin:20px 0;display:grid;gap:16px}.contact-list li{display:flex;gap:12px}.contact-list .ic{color:var(--blue);margin-top:3px}

/* forms */
.lead-form h3{margin:0 0 14px}
.fld{margin-bottom:14px}.fld label{display:block;font-weight:500;font-size:.88rem;margin-bottom:5px;color:#31405C}.fld label span{color:var(--bad)}
input,select,textarea{width:100%;padding:11px 13px;border:1.5px solid var(--line);border-radius:11px;font:inherit;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px rgba(30,136,229,.2)}
input:user-invalid,textarea:user-invalid{border-color:var(--bad)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.seg{display:flex;gap:10px;margin-bottom:16px}.seg label{flex:1;cursor:pointer}.seg input{position:absolute;opacity:0;width:0}
.seg span{display:flex;align-items:center;justify-content:center;gap:8px;padding:10px;border:1.5px solid var(--line);border-radius:11px;font-weight:600}
.seg input:checked+span{background:#EAF4FE;border-color:var(--blue);color:var(--navy)}.seg input:focus-visible+span{outline:3px solid #7CC0FF}
.form-msg{margin:12px 0 0;font-size:.92rem;min-height:1.3em}.form-msg.ok{color:var(--ok)}.form-msg.err{color:var(--bad)}

/* modal */
.modal{position:fixed;inset:0;background:rgba(10,20,45,.55);display:flex;align-items:center;justify-content:center;padding:16px;z-index:200}
.modal[hidden]{display:none}
.modal-card{background:#fff;border-radius:20px;max-width:460px;width:100%;max-height:92vh;overflow:auto;padding:26px;position:relative}
.modal-x{position:absolute;right:14px;top:10px;background:none;border:0;font-size:28px;line-height:1;cursor:pointer;color:var(--muted)}

/* footer */
.site-footer{background:#0B1733;color:rgba(255,255,255,.75);padding-top:48px}
.foot{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:28px}
.site-footer h4{color:#fff;margin-bottom:12px}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:7px 0}
.site-footer a{color:rgba(255,255,255,.75);text-decoration:none}.site-footer a:hover{color:#fff;text-decoration:underline}
.muted-light{color:rgba(255,255,255,.6);margin-top:12px;font-size:.92rem}
.copy{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:18px;padding-bottom:24px;font-size:.88rem}

@media(max-width:960px){.cards4{grid-template-columns:repeat(2,1fr)}.foot{grid-template-columns:1fr 1fr}.stats{grid-template-columns:repeat(2,1fr)}}
@media(max-width:780px){
  .menu-btn{display:block}
  .nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 20px 18px;display:none;gap:4px}
  .nav.open{display:flex}.nav .btn{margin-top:6px}
  .hero{padding:48px 0 40px}.hero-grid,.two{grid-template-columns:1fr}.hero-art{order:-1}.hero-art svg{max-width:240px}
  .cards3{grid-template-columns:1fr}.cards2{grid-template-columns:1fr}.grid2{grid-template-columns:1fr}.section{padding:44px 0}
}
@media(max-width:520px){.cards4{grid-template-columns:1fr}.foot{grid-template-columns:1fr}.btn-lg{width:100%}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media(max-width:520px){.logo{font-size:1.5rem}.logo-img{height:44px}.logo-text{white-space:nowrap}}