:root {
  --navy: #102f55;
  --blue: #245c93;
  --blue-dark: #164472;
  --blue-soft: #eaf2fb;
  --red: #e51d2a;
  --ink: #142033;
  --muted: #5f6d80;
  --line: #dce5ef;
  --surface: #ffffff;
  --background: #f7f9fc;
  --shadow: 0 20px 55px rgba(16, 47, 85, 0.13);
  --radius: 22px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--background);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  max-width: 100%;
  height: auto;
}

.container {
  width: min(1140px, calc(100% - 40px));
  margin-inline: auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid rgba(220, 229, 239, 0.8);
  backdrop-filter: blur(16px);
}

.nav-bar {
  min-height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.brand-logo {
  width: 230px;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 22px;
  font-weight: 650;
}

.nav-links > a:not(.button):hover,
.nav-links > a[aria-current="page"],
.nav-dropdown > summary:hover,
.nav-dropdown > summary[aria-current="page"] {
  color: var(--blue);
}

.nav-dropdown {
  position: relative;
}

.nav-dropdown > summary {
  display: flex;
  align-items: center;
  gap: 7px;
  cursor: pointer;
  list-style: none;
}

.nav-dropdown > summary::-webkit-details-marker {
  display: none;
}

.nav-dropdown > summary::after {
  content: "⌄";
  margin-top: -4px;
  font-size: 0.9rem;
}

.dropdown-menu {
  position: absolute;
  top: calc(100% + 19px);
  left: 50%;
  width: 320px;
  padding: 10px;
  display: grid;
  gap: 3px;
  transform: translateX(-34%);
  border: 1px solid var(--line);
  border-radius: 16px;
  background: #fff;
  box-shadow: var(--shadow);
}

.dropdown-menu a {
  padding: 11px 13px;
  border-radius: 10px;
  color: var(--navy);
  font-weight: 760;
}

.dropdown-menu a:hover {
  color: var(--blue);
  background: var(--blue-soft);
}

.dropdown-menu span {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 500;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.button {
  min-height: 46px;
  padding: 11px 21px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: 1px solid transparent;
  border-radius: 12px;
  color: #fff;
  background: var(--blue);
  font-weight: 750;
  transition: transform 160ms ease, box-shadow 160ms ease, background 160ms ease;
}

.button:hover {
  transform: translateY(-2px);
  background: var(--blue-dark);
  box-shadow: 0 12px 28px rgba(36, 92, 147, 0.24);
}

.button.secondary {
  color: var(--blue);
  background: #fff;
  border-color: var(--line);
}

.button.secondary:hover {
  background: var(--blue-soft);
}

.menu-button {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 11px;
  background: #fff;
  color: var(--navy);
  font-size: 23px;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 92px 0 78px;
  background:
    radial-gradient(circle at 84% 18%, rgba(229, 29, 42, 0.12), transparent 24%),
    linear-gradient(135deg, #f7fbff 0%, #eaf2fb 62%, #fff 100%);
}

.hero::after {
  content: "";
  position: absolute;
  width: 420px;
  height: 420px;
  right: -190px;
  bottom: -230px;
  border-radius: 50%;
  background: rgba(36, 92, 147, 0.1);
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(360px, 0.88fr);
  gap: 70px;
  align-items: center;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 20px;
  padding: 7px 12px;
  border-radius: 999px;
  color: var(--blue-dark);
  background: #fff;
  border: 1px solid var(--line);
  font-size: 0.84rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.eyebrow::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--red);
}

h1,
h2,
h3 {
  margin-top: 0;
  color: var(--navy);
  line-height: 1.12;
}

h1 {
  max-width: 760px;
  margin-bottom: 22px;
  font-size: clamp(2.55rem, 5vw, 4.7rem);
  letter-spacing: -0.045em;
}

h2 {
  margin-bottom: 16px;
  font-size: clamp(2rem, 3.8vw, 3.1rem);
  letter-spacing: -0.03em;
}

h3 {
  margin-bottom: 10px;
  font-size: 1.25rem;
}

.hero-copy > p {
  max-width: 650px;
  margin: 0 0 30px;
  color: var(--muted);
  font-size: 1.14rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 13px;
}

.trust-row {
  margin-top: 32px;
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
  color: var(--muted);
  font-size: 0.92rem;
  font-weight: 700;
}

.trust-row span::before {
  content: "✓";
  margin-right: 7px;
  color: var(--blue);
}

.account-card {
  position: relative;
  min-height: 390px;
  padding: 32px;
  overflow: hidden;
  border-radius: 30px;
  color: #fff;
  background: linear-gradient(145deg, var(--navy), #245c93 70%, #2f72ac);
  box-shadow: var(--shadow);
}

.account-card::before {
  content: "";
  position: absolute;
  width: 250px;
  height: 250px;
  right: -100px;
  top: -120px;
  border-radius: 50%;
  border: 52px solid rgba(255, 255, 255, 0.08);
}

.account-card h2,
.account-card h3 {
  color: #fff;
}

.account-card .card-label {
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.account-card .balance {
  margin: 12px 0 34px;
  font-size: clamp(2.1rem, 5vw, 3.5rem);
  font-weight: 800;
  letter-spacing: -0.04em;
}

.metric-grid {
  position: absolute;
  left: 32px;
  right: 32px;
  bottom: 30px;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}

.metric {
  padding: 16px;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.14);
}

.metric strong,
.metric small {
  display: block;
}

.metric small {
  margin-top: 4px;
  color: rgba(255, 255, 255, 0.68);
}

.section {
  padding: 86px 0;
}

.section.white {
  background: #fff;
}

.section-heading {
  max-width: 700px;
  margin-bottom: 38px;
}

.section-heading p,
.lead {
  margin: 0;
  color: var(--muted);
  font-size: 1.06rem;
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.service-card,
.value-card,
.contact-card {
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: 0 10px 30px rgba(16, 47, 85, 0.05);
}

.service-card p,
.value-card p,
.contact-card p {
  margin: 0;
  color: var(--muted);
}

.card-link {
  transition: transform 160ms ease, border-color 160ms ease, box-shadow 160ms ease;
}

.card-link:hover {
  transform: translateY(-4px);
  border-color: #b8cde3;
  box-shadow: 0 18px 36px rgba(16, 47, 85, 0.1);
}

.card-link > span {
  display: inline-block;
  margin-top: 18px;
  color: var(--blue);
  font-weight: 800;
}

.icon-box {
  width: 48px;
  height: 48px;
  margin-bottom: 22px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  color: #fff;
  background: var(--blue);
  font-size: 1.25rem;
  font-weight: 900;
}

.feature-grid,
.about-grid,
.contact-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: center;
  gap: 60px;
}

.feature-panel {
  padding: 38px;
  border-radius: 28px;
  background: var(--navy);
  color: #fff;
}

.feature-panel h2,
.feature-panel h3 {
  color: #fff;
}

.feature-list {
  margin: 26px 0 0;
  padding: 0;
  list-style: none;
}

.feature-list li {
  margin-top: 14px;
  padding-left: 28px;
  position: relative;
}

.feature-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: #9fd0ff;
  font-weight: 900;
}

.cta {
  padding: 42px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  border-radius: 28px;
  background: linear-gradient(120deg, var(--blue-soft), #fff);
  border: 1px solid var(--line);
}

.cta h2 {
  margin-bottom: 8px;
  font-size: clamp(1.8rem, 3vw, 2.6rem);
}

.page-hero {
  padding: 78px 0 58px;
  background: linear-gradient(135deg, #eef5fc, #fff);
}

.page-hero p {
  max-width: 700px;
  margin: 0;
  color: var(--muted);
  font-size: 1.1rem;
}

.contact-list {
  display: grid;
  gap: 16px;
}

.contact-card strong,
.contact-card a,
.contact-card span {
  display: block;
}

.contact-card a {
  color: var(--blue);
  font-weight: 750;
}

.content-stack {
  display: grid;
  gap: 22px;
}

.content-panel {
  scroll-margin-top: 110px;
  padding: 32px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 10px 30px rgba(16, 47, 85, 0.05);
}

.content-panel p:last-child,
.content-panel ul:last-child {
  margin-bottom: 0;
}

.content-panel ul {
  padding-left: 22px;
  color: var(--muted);
}

.content-panel li + li {
  margin-top: 8px;
}

.split-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px;
}

.notice {
  padding: 20px 22px;
  border-left: 4px solid var(--blue);
  border-radius: 10px;
  color: var(--muted);
  background: var(--blue-soft);
}

.faq-list {
  display: grid;
  gap: 14px;
}

.faq-list details {
  padding: 20px 22px;
  border: 1px solid var(--line);
  border-radius: 15px;
  background: #fff;
}

.faq-list summary {
  cursor: pointer;
  color: var(--navy);
  font-weight: 800;
}

.faq-list p {
  margin: 14px 0 0;
  color: var(--muted);
}

.site-footer {
  padding: 58px 0 26px;
  color: rgba(255, 255, 255, 0.78);
  background: #0a2340;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.35fr repeat(3, 0.75fr) 1fr;
  gap: 34px;
}

.footer-brand p {
  max-width: 260px;
}

.footer-signin {
  color: #fff;
  font-weight: 800;
}

.footer-logo {
  width: 220px;
  padding: 9px 12px;
  border-radius: 10px;
  background: #fff;
}

.footer-title {
  margin-bottom: 14px;
  color: #fff;
  font-weight: 800;
}

.footer-links {
  display: grid;
  gap: 8px;
}

.footer-links a:hover {
  color: #fff;
}

.footer-bottom {
  margin-top: 38px;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.9rem;
  display: flex;
  justify-content: space-between;
  gap: 24px;
}

@media (max-width: 940px) {
  .menu-button {
    display: inline-grid;
    place-items: center;
  }

  .nav-links {
    position: absolute;
    top: 82px;
    left: 20px;
    right: 20px;
    padding: 20px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    border: 1px solid var(--line);
    border-radius: 18px;
    background: #fff;
    box-shadow: var(--shadow);
  }

  .nav-dropdown > summary {
    justify-content: space-between;
  }

  .dropdown-menu {
    position: static;
    width: 100%;
    margin-top: 10px;
    padding: 7px;
    transform: none;
    box-shadow: none;
    background: var(--background);
  }

  .nav-links.is-open {
    display: flex;
  }

  .nav-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .hero-grid,
  .feature-grid,
  .about-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .hero-grid {
    gap: 42px;
  }

  .cards {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .footer-brand {
    grid-column: 1 / -1;
  }
}

@media (max-width: 640px) {
  .container {
    width: min(100% - 28px, 1140px);
  }

  .brand-logo {
    width: 185px;
  }

  .hero,
  .section,
  .page-hero {
    padding-block: 62px;
  }

  .cards,
  .split-list,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-brand {
    grid-column: auto;
  }

  .footer-bottom {
    align-items: flex-start;
    flex-direction: column;
  }

  .account-card {
    min-height: 410px;
    padding: 24px;
  }

  .metric-grid {
    left: 24px;
    right: 24px;
  }

  .cta {
    padding: 28px;
    align-items: flex-start;
    flex-direction: column;
  }
}