:root{
  --navy:#073b4c; --teal:#0b7285; --aqua:#2aa9a2; --sand:#f4f1ea;
  --ink:#18323a; --muted:#5d7077; --white:#fff; --line:#dbe7e9;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fbfdfd;line-height:1.65}
a{color:var(--teal);text-decoration:none}
a:hover{text-decoration:underline}
.container{width:min(1120px,92%);margin:auto}
header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:72px}
.brand{display:flex;align-items:center;gap:12px;color:var(--navy);font-weight:800}
.logo{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(145deg,#8bd9d1,#0b7285);color:white}
nav ul{display:flex;gap:20px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
nav a{color:var(--ink);font-weight:600;font-size:.95rem}
.hero{background:linear-gradient(135deg,#073b4c 0%,#0b7285 58%,#2aa9a2 100%);color:white;padding:88px 0 76px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:800;font-size:.78rem;opacity:.82}
h1{font-size:clamp(2.5rem,6vw,4.8rem);line-height:1.03;margin:.35em 0 .25em;letter-spacing:-.04em}
h2{font-size:clamp(1.8rem,3vw,2.6rem);line-height:1.15;color:var(--navy);margin:0 0 18px}
h3{color:var(--navy);margin-top:0}
.lead{font-size:1.18rem;max-width:720px;opacity:.94}
.btn{display:inline-block;padding:12px 18px;border-radius:999px;font-weight:800;margin:8px 8px 0 0}
.btn-primary{background:white;color:var(--navy)}
.btn-outline{border:1px solid rgba(255,255,255,.55);color:white}
.section{padding:72px 0}
.section.alt{background:var(--sand)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:white;border:1px solid var(--line);border-radius:18px;padding:26px;box-shadow:0 10px 30px rgba(7,59,76,.06)}
.alt .card{background:#fff}
.icon{font-size:2rem;margin-bottom:10px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.checks{padding:0;list-style:none}
.checks li{padding:10px 0 10px 30px;position:relative;border-bottom:1px solid var(--line)}
.checks li:before{content:"✓";position:absolute;left:0;color:var(--aqua);font-weight:900}
.fact-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px}
.fact{padding:22px;border:1px solid var(--line);border-radius:16px;background:white}
.fact strong{display:block;font-size:1.35rem;color:var(--navy)}
table{width:100%;border-collapse:collapse;background:white;border:1px solid var(--line);border-radius:14px;overflow:hidden}
th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{width:32%;background:#f4f8f8;color:var(--navy)}
.notice{border-left:5px solid var(--aqua);padding:18px 20px;background:#effafa;border-radius:10px}
footer{background:var(--navy);color:#d8ecef;padding:46px 0}
footer a{color:white}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.small{font-size:.9rem;color:var(--muted)}
footer .small{color:#b8d1d6}
.wave{height:150px;margin-top:-1px;background:var(--sand);clip-path:ellipse(75% 65% at 50% 100%)}
.page-hero{padding:58px 0;background:var(--sand)}
@media(max-width:820px){
 .hero-grid,.two,.footer-grid{grid-template-columns:1fr}
 .cards{grid-template-columns:1fr}
 .fact-grid{grid-template-columns:1fr 1fr}
 nav ul{gap:10px}
 .nav{align-items:flex-start;padding:12px 0;flex-direction:column}
 header{position:relative}
}
@media(max-width:520px){.fact-grid{grid-template-columns:1fr}}