:root{--navy:#0b1f33;--cyan:#18a7c9;--ink:#182735;--muted:#667788;--line:#dce5ec;--bg:#f5f8fa;--white:#fff;--max:1180px}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65}a{text-decoration:none;color:inherit}.container{max-width:var(--max);margin:auto;padding:0 24px}
.top{background:var(--navy);color:#d9e6ef;font-size:13px}.top .container,.nav{display:flex;justify-content:space-between;align-items:center}.top .container{padding-top:8px;padding-bottom:8px}
header{background:#fff;border-bottom:1px solid var(--line)}.nav{height:76px}.logo{font-weight:800;letter-spacing:2px;color:var(--navy)}.logo-mark{display:inline-grid;place-items:center;width:36px;height:36px;border-radius:9px;background:var(--cyan);color:white;margin-right:10px}
nav{display:flex;gap:26px;font-weight:700;color:#425667}.nav-cta,.btn-dark{background:var(--navy);color:white!important}.nav-cta{padding:11px 17px;border-radius:8px}
section{padding:82px 0}.band{background:var(--bg)}.dark{background:var(--navy);color:#fff}.dark h2{color:#fff}.kicker{color:var(--cyan);font-weight:800;text-transform:uppercase;letter-spacing:1.5px;font-size:12px}
h1{font-size:clamp(40px,6vw,66px);line-height:1.05;color:var(--navy);margin:16px 0}h2{font-size:35px;line-height:1.15;color:var(--navy)}h3{color:var(--navy)}.lead{font-size:19px}.muted{color:var(--muted)}.dark .muted{color:#bfd0dc}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:22px}.card{border:1px solid var(--line);border-radius:16px;padding:27px;background:#fff}.actions{display:flex;gap:12px;margin-top:26px}.btn{display:inline-block;padding:13px 20px;border-radius:9px;font-weight:800}.btn-outline{border:1px solid var(--line)}.btn-primary{background:var(--cyan);color:#061827}
footer{background:#061522;color:#b8c8d4;padding:48px 0 24px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:35px}.footer-title{color:#fff;font-weight:800}.copy{border-top:1px solid #203444;margin-top:30px;padding-top:18px;font-size:12px}
@media(max-width:800px){nav{display:none}.grid2,.footer-grid{grid-template-columns:1fr}section{padding:60px 0}}

/* V3.1 enhancements */
.hero{background:linear-gradient(135deg,#f7fafc 0%,#eef5f8 100%)}
.hero-grid{display:grid;grid-template-columns:1.35fr .85fr;gap:54px;align-items:center}
.hero-card{border:1px solid var(--line);border-radius:18px;padding:30px;background:#fff;box-shadow:0 14px 40px rgba(11,31,51,.08)}
.hero-card strong{display:block;font-size:27px;line-height:1.2;color:var(--navy);margin:10px 0 14px}
.section-head{max-width:820px;margin-bottom:32px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.icon{font-weight:900;color:var(--cyan);font-size:13px;letter-spacing:1px}.tags{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}.tag{display:inline-block;border:1px solid var(--line);border-radius:999px;padding:8px 13px;background:#f8fbfc;font-size:13px;font-weight:700;color:#385164}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:32px 0 38px}.stats>div{border-top:3px solid var(--cyan);padding:18px 16px;background:var(--bg)}.stats strong{display:block;font-size:30px;color:var(--navy);line-height:1.1}.stats span{display:block;font-size:12px;color:var(--muted);margin-top:8px;font-weight:700}.quote-line{margin-top:24px;padding:18px 20px;border-left:4px solid var(--cyan);background:var(--bg);font-weight:800;color:var(--navy);font-size:20px}.steps{display:grid;gap:8px}.step{border-bottom:1px solid var(--line);padding:4px 0 12px}.step:last-child{border-bottom:0}
@media(max-width:900px){.hero-grid,.grid3,.stats{grid-template-columns:1fr 1fr}}
@media(max-width:800px){.hero-grid,.grid3,.stats{grid-template-columns:1fr}.hero{padding-top:56px}.top .container{gap:14px;align-items:flex-start}.top .container span:first-child{display:none}h1{font-size:42px}}