:root{--navy:#0A2035;--emerald:#2D8A66;--azure:#1B6FA8;--silver:#E0E3E5;--bg:#FAFAFA;--radius:16px;--shadow:0 8px 24px rgba(0,0,0,.08)}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--navy);font-family:Lato,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;line-height:1.5}.wrap{max-width:1180px;margin:0 auto;padding:0 24px}.hero{background:var(--navy);color:#fff;padding:72px 0}.hero .kicker{text-transform:uppercase;letter-spacing:.15em;opacity:.85;font-weight:600}h1{font-family:Montserrat,system-ui,sans-serif;font-size:clamp(2rem,5vw,3.2rem);line-height:1.15;margin:.35em 0}.section{padding:72px 0}.grid{display:grid;grid-template-columns:repeat(12,1fr);grid-gap:22px;gap:22px;margin-top:28px}.card{grid-column:span 4;background:#fff;border:1px solid var(--silver);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow)}.ctas{display:flex;gap:14px;margin-top:24px;flex-wrap:wrap}.btn{padding:14px 18px;border-radius:12px;font-weight:700}.btn.primary{background:var(--emerald);color:#fff}.btn.ghost{background:#ffffff14;border:1px solid #ffffff33;color:#fff}.ctaBand .band{background:linear-gradient(135deg,var(--emerald),var(--azure));color:#fff;border-radius:20px;padding:28px;display:flex;align-items:center;justify-content:space-between;gap:16px}@media(max-width:980px){.card{grid-column:span 12}}@media (max-width:860px){.desktop-menu{display:none!important}.mobile-toggle{display:block!important}}