:root{--navy:#082f57;--blue:#0b4f80;--teal:#27b6b0;--light:#f4f8fb;--text:#203040;--muted:#607080;--white:#fff;--shadow:0 18px 45px rgba(8,47,87,.14)}
*{box-sizing:border-box}body{margin:0;font-family:Arial,sans-serif;color:var(--text);background:var(--light);line-height:1.6}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}.container{width:min(1160px,92%);margin:auto}
.topbar{background:var(--navy);color:white;font-size:.95rem;padding:8px 0}.topbar .container{display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap}
header{background:white;position:sticky;top:0;z-index:20;box-shadow:0 4px 25px rgba(0,0,0,.06)}.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.brand{display:flex;align-items:center;gap:13px;font-weight:800;color:var(--navy)}.brand img{width:58px;height:58px;object-fit:contain}.brand span{display:block;font-size:1.04rem;line-height:1.15}
nav{display:flex;gap:22px;align-items:center}nav a{font-weight:700;color:var(--navy)}nav a:hover,.active{color:var(--teal)}
.btn{background:linear-gradient(135deg,var(--teal),#168d9b);color:white;padding:13px 22px;border-radius:999px;font-weight:800;display:inline-block;box-shadow:0 10px 25px rgba(39,182,176,.25)}.btn.outline{background:white;color:var(--navy);border:2px solid rgba(8,47,87,.15);box-shadow:none}
.hero{padding:82px 0;background:linear-gradient(120deg,rgba(8,47,87,.95),rgba(11,79,128,.78)),url('https://images.unsplash.com/photo-1576091160550-2173dba999ef?auto=format&fit=crop&w=1600&q=80') center/cover;color:white}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:45px;align-items:center}.badge{display:inline-flex;background:rgba(255,255,255,.13);padding:8px 14px;border-radius:999px;font-weight:700}.hero h1{font-size:clamp(2.35rem,5vw,4.9rem);line-height:1.02;margin:20px 0}.hero p{font-size:1.22rem;color:#e9f8fb;max-width:680px}
.hero-card{background:white;color:var(--text);border-radius:28px;padding:28px;box-shadow:var(--shadow)}.hero-card img{width:210px;margin:0 auto 20px}.check{display:grid;gap:12px;margin:22px 0}.check div:before{content:"✓";color:var(--teal);font-weight:900;margin-right:10px}
section{padding:78px 0}.section-title{text-align:center;max-width:800px;margin:0 auto 42px}.section-title h1,.section-title h2{font-size:clamp(2rem,4vw,3rem);color:var(--navy);margin:0 0 10px}.section-title p{color:var(--muted);font-size:1.08rem}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.card{background:white;border-radius:22px;padding:28px;box-shadow:var(--shadow);border:1px solid rgba(8,47,87,.06)}.icon{font-size:2rem;background:#eafafa;color:var(--teal);width:58px;height:58px;border-radius:18px;display:grid;place-items:center;margin-bottom:14px}.card h3{color:var(--navy);margin:0 0 10px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:45px;align-items:center}.panel{background:white;border-radius:28px;padding:36px;box-shadow:var(--shadow)}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.stat{background:white;border-radius:20px;padding:24px;text-align:center;box-shadow:var(--shadow)}.stat b{font-size:2.1rem;color:var(--teal)}
.dark{background:linear-gradient(135deg,var(--navy),var(--blue));color:white}.dark h2,.dark h3{color:white}.dark p{color:#d8eef4}.list{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.list div{background:rgba(255,255,255,.1);padding:14px;border-radius:14px}
.faq{max-width:900px;margin:auto}.faq-item{background:white;border-radius:18px;margin:14px 0;box-shadow:var(--shadow);overflow:hidden}.faq-question{padding:20px;font-weight:800;color:var(--navy);cursor:pointer}.faq-answer{display:none;padding:0 20px 20px;color:var(--muted)}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:30px}input,textarea,select{width:100%;padding:15px;border:1px solid #d7e2ea;border-radius:12px;margin:8px 0 15px;font:inherit}textarea{min-height:140px}
footer{background:#061f39;color:white;padding:45px 0 20px}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:30px}.footer-logo{width:110px;background:white;border-radius:14px;padding:8px;margin-bottom:12px}.small{color:#b8cedd;font-size:.95rem}.copy{text-align:center;border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;color:#b8cedd}
@media(max-width:850px){nav{display:none}.hero-grid,.split,.contact-grid,.footer-grid{grid-template-columns:1fr}.cards,.stats{grid-template-columns:1fr}.list{grid-template-columns:1fr}}

.platforms,.payers{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.tag{background:white;border:1px solid rgba(8,47,87,.08);border-radius:999px;padding:12px 16px;text-align:center;font-weight:700;color:var(--navy);box-shadow:0 8px 22px rgba(8,47,87,.08)}
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{background:white;border-radius:22px;padding:26px;box-shadow:var(--shadow);position:relative}
.step b{display:inline-grid;place-items:center;background:var(--teal);color:white;width:42px;height:42px;border-radius:50%;margin-bottom:12px}
.note{background:#eafafa;border-left:5px solid var(--teal);padding:18px;border-radius:12px;color:var(--navy)}
@media(max-width:850px){.platforms,.payers,.process{grid-template-columns:1fr}}