:root{
  --navy:#082b45;
  --blue:#0d6d91;
  --cyan:#dff3f8;
  --pale:#f5f9fb;
  --white:#ffffff;
  --text:#1a2833;
  --muted:#647481;
  --line:#d9e7ee;
  --gold:#e5b66d;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Arial, Helvetica, sans-serif;
  color:var(--text);
  background:linear-gradient(180deg,#eef7fb 0%,#f8fbfc 45%,#eef5f8 100%);
  line-height:1.5;
}
a{color:var(--blue)}
.topbar{
  position:sticky;
  top:0;
  z-index:10;
  background:rgba(255,255,255,.96);
  border-bottom:1px solid var(--line);
  backdrop-filter:blur(10px);
}
.topbar-inner{
  max-width:1220px;
  margin:auto;
  padding:18px 24px;
}
.brand{
  display:flex;
  align-items:center;
  gap:14px;
  margin-bottom:16px;
}
.brand-mark{
  width:58px;
  height:58px;
  border-radius:18px;
  display:grid;
  place-items:center;
  background:linear-gradient(135deg,var(--navy),var(--blue));
  color:#fff;
  font-weight:900;
  letter-spacing:.04em;
}
.brand-title{
  font-size:30px;
  font-weight:900;
  color:var(--navy);
  line-height:1;
  letter-spacing:-.03em;
}
.brand-subtitle{
  margin-top:4px;
  color:var(--muted);
  font-size:14px;
  font-weight:700;
}
.nav-buttons{
  display:grid;
  grid-template-columns:repeat(5,1fr);
  gap:12px;
}
.nav-buttons a{
  min-height:66px;
  border-radius:18px;
  background:var(--navy);
  color:white;
  text-decoration:none;
  display:flex;
  align-items:center;
  justify-content:center;
  text-align:center;
  padding:12px 14px;
  font-weight:800;
  font-size:15px;
  box-shadow:0 10px 20px rgba(8,43,69,.13);
}
.nav-buttons a:hover{background:var(--blue)}
.hero{
  max-width:1220px;
  margin:28px auto 0;
  padding:0 24px;
}
.hero-card{
  border-radius:34px;
  color:white;
  padding:56px;
  background:
    radial-gradient(circle at 82% 20%, rgba(255,255,255,.20), transparent 18%),
    radial-gradient(circle at 75% 70%, rgba(223,243,248,.18), transparent 24%),
    linear-gradient(135deg,var(--navy),#0b5778 58%,#0a405f);
  box-shadow:0 22px 55px rgba(8,43,69,.20);
  min-height:420px;
  display:flex;
  flex-direction:column;
  justify-content:center;
}
.kicker{
  margin:0 0 14px;
  color:var(--gold);
  text-transform:uppercase;
  letter-spacing:.18em;
  font-size:13px;
  font-weight:900;
}
.kicker.dark{color:var(--blue)}
.hero h1{
  margin:0;
  font-size:clamp(42px,6vw,76px);
  line-height:.96;
  letter-spacing:-.06em;
}
.hero-text{
  max-width:720px;
  margin:22px 0 0;
  font-size:23px;
  color:#e1f4f8;
}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.button{
  display:inline-flex;
  justify-content:center;
  align-items:center;
  border:0;
  border-radius:999px;
  padding:14px 24px;
  font-size:16px;
  font-weight:900;
  text-decoration:none;
  cursor:pointer;
}
.button.primary{background:linear-gradient(135deg,var(--blue),#0a506f);color:white}
.button.secondary{background:rgba(255,255,255,.15);color:white;border:1px solid rgba(255,255,255,.45)}
main{
  max-width:1220px;
  margin:auto;
  padding:22px 24px 70px;
}
.section{
  background:var(--white);
  border:1px solid var(--line);
  border-radius:30px;
  padding:38px;
  margin:24px 0;
  box-shadow:0 14px 34px rgba(8,43,69,.07);
}
.section-header h2{
  margin:0 0 20px;
  color:var(--navy);
  font-size:clamp(30px,4vw,46px);
  line-height:1.03;
  letter-spacing:-.045em;
}
.section p{font-size:18px}
.content-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:24px;
  align-items:start;
}
.chips{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  margin-top:18px;
}
.chips span{
  background:#eaf6fa;
  border:1px solid #cbe4ee;
  color:var(--navy);
  padding:9px 14px;
  border-radius:999px;
  font-weight:900;
}
.edit-box{
  border:2px dashed #a8c7d5;
  border-radius:22px;
  background:#fbfdfe;
  color:#60727e;
  padding:24px;
  min-height:140px;
  font-size:17px;
}
.edit-box.wide{margin-top:22px}
.tile-row{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:16px;
}
.tile{
  border:1px solid var(--line);
  background:#fbfdfe;
  border-radius:22px;
  padding:22px;
}
.tile h3{margin:0 0 8px;color:var(--navy);font-size:22px}
.tile p{margin:0;color:var(--muted);font-size:16px}
.notice{
  border:1px solid #f0d59d;
  background:#fff8e8;
  color:#695019;
  border-radius:18px;
  padding:15px;
  margin:18px 0;
}
.referral-form{
  margin-top:22px;
}
.form-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:18px;
}
label{
  display:block;
  font-weight:900;
  color:var(--navy);
}
input,select,textarea{
  margin-top:7px;
  width:100%;
  border:1px solid #c7d7df;
  border-radius:14px;
  padding:13px 14px;
  font-size:16px;
  background:white;
}
textarea{min-height:140px}
.full{grid-column:1/-1}
.checkbox{
  display:flex;
  align-items:center;
  gap:12px;
  background:#f3f9fb;
  border:1px solid var(--line);
  padding:14px;
  border-radius:16px;
}
.checkbox input{
  width:auto;
  margin:0;
  transform:scale(1.2);
}
.honeypot{display:none !important}
footer{
  background:var(--navy);
  color:white;
  padding:28px 24px;
  display:flex;
  justify-content:space-between;
  gap:20px;
}
footer a{color:white}
@media(max-width:900px){
  .nav-buttons,.content-grid,.tile-row,.form-grid{grid-template-columns:1fr}
  .hero-card{padding:34px;min-height:360px}
  .section{padding:26px}
  footer{flex-direction:column}
}