* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif; color: #1a2332; background: #fafbfc; line-height: 1.6; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
a { color: inherit; }

/* Sticky Header */
header { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,0.95); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); border-bottom: 1px solid #e5e9ef; padding: 16px 0; }
.nav { display: flex; align-items: center; justify-content: space-between; }
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none; color: #1a2332; }
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-text .name { font-size: 18px; font-weight: 500; letter-spacing: 3px; }
.logo-text .sub { font-size: 9px; font-weight: 400; letter-spacing: 4px; color: #5a6478; margin-top: 2px; }
nav.main-nav { display: flex; gap: 32px; align-items: center; }
nav.main-nav a { color: #4a5568; text-decoration: none; font-size: 15px; font-weight: 500; transition: color 0.2s; }
nav.main-nav a:hover, nav.main-nav a.active { color: #185FA5; }
.nav-cta { background: #185FA5; color: #fff !important; padding: 10px 22px; border-radius: 6px; font-size: 14px; }
.nav-cta:hover { background: #0C447C; }

/* Hero */
.hero { position: relative; min-height: 88vh; display: flex; align-items: center; overflow: hidden; background: linear-gradient(135deg, #0C447C 0%, #185FA5 50%, #378ADD 100%); color: #fff; }
.hero::before { content: ''; position: absolute; inset: 0; background-image: url('https://images.unsplash.com/photo-1518770660439-4636190af475?w=1600&q=80'); background-size: cover; background-position: center; opacity: 0.2; mix-blend-mode: overlay; }
.hero-content { position: relative; z-index: 2; max-width: 820px; }
.hero-badge { display: inline-block; background: rgba(255,255,255,0.15); padding: 8px 16px; border-radius: 20px; font-size: 13px; margin-bottom: 24px; letter-spacing: 1px; backdrop-filter: blur(10px); }
.hero h1 { font-size: 64px; font-weight: 700; line-height: 1.05; margin-bottom: 24px; letter-spacing: -1.5px; }
.hero h1 .accent { color: #FCDE5A; }
.hero p { font-size: 22px; opacity: 0.95; max-width: 640px; margin-bottom: 40px; line-height: 1.5; }
.btn-group { display: flex; gap: 16px; flex-wrap: wrap; }
.btn { display: inline-block; padding: 16px 36px; border-radius: 8px; text-decoration: none; font-weight: 600; font-size: 16px; transition: all 0.2s; cursor: pointer; border: none; }
.btn-primary { background: #FCDE5A; color: #0C447C; }
.btn-primary:hover { background: #fff; transform: translateY(-2px); }
.btn-secondary { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,0.4); }
.btn-secondary:hover { border-color: #fff; background: rgba(255,255,255,0.1); }

/* Page Hero */
.page-hero { background: linear-gradient(135deg, #0C447C 0%, #185FA5 100%); color: #fff; padding: 120px 0 90px; text-align: center; position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; inset: 0; background-image: url('https://images.unsplash.com/photo-1451187580459-43490279c0fa?w=1600&q=80'); background-size: cover; background-position: center; opacity: 0.15; }
.page-hero > * { position: relative; z-index: 2; }
.page-hero h1 { font-size: 52px; margin-bottom: 16px; letter-spacing: -1px; }
.page-hero p { font-size: 20px; opacity: 0.9; max-width: 640px; margin: 0 auto; }

/* Sections */
section { padding: 100px 0; }
.section-title { font-size: 42px; font-weight: 700; text-align: center; margin-bottom: 16px; letter-spacing: -0.5px; }
.section-subtitle { text-align: center; color: #5a6478; font-size: 19px; max-width: 640px; margin: 0 auto 64px; }

/* Stats */
.stats { background: #fff; border-top: 1px solid #e5e9ef; border-bottom: 1px solid #e5e9ef; padding: 60px 0; }
.stats-grid {display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 32px; text-align: center; @media (max-width: 900px) {
  .stats-grid {
    grid-template-columns: 1fr; /* Align items into a single column on smaller screens */
  }
}
.stat-num { font-size: 48px; font-weight: 700; color: #185FA5; line-height: 1; margin-bottom: 8px; }
.stat-label { color: #5a6478; font-size: 14px; letter-spacing: 1px; text-transform: uppercase; }

/* Features */
.features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.feature { background: #fff; padding: 36px 28px; border-radius: 12px; border: 1px solid #e5e9ef; transition: all 0.3s; }
.feature:hover { transform: translateY(-6px); box-shadow: 0 16px 32px rgba(24,95,165,0.1); border-color: #378ADD; }
.feature-icon { width: 52px; height: 52px; background: #e6f1fb; border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; color: #185FA5; }
.feature h3 { font-size: 20px; margin-bottom: 12px; }
.feature p { color: #5a6478; font-size: 15px; }

/* Image section */
.image-section { background: #fff; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split img { width: 100%; border-radius: 16px; box-shadow: 0 24px 48px rgba(12,68,124,0.15); }
.split h2 { font-size: 36px; margin-bottom: 20px; letter-spacing: -0.5px; }
.split p { color: #5a6478; font-size: 17px; margin-bottom: 16px; }
.split ul { list-style: none; margin-top: 24px; }
.split ul li { padding: 10px 0 10px 32px; position: relative; color: #4a5568; }
.split ul li::before { content: '✓'; position: absolute; left: 0; color: #185FA5; font-weight: 700; font-size: 18px; }

/* Agents section */
.agents-section { background: linear-gradient(180deg, #f0f5fb 0%, #fafbfc 100%); }

/* CTA */
.cta-section { padding: 80px 0; }
.cta-card { background: linear-gradient(135deg, #185FA5 0%, #0C447C 100%); color: #fff; text-align: center; border-radius: 20px; padding: 72px 32px; position: relative; overflow: hidden; }
.cta-card::before { content: ''; position: absolute; inset: 0; background-image: url('https://images.unsplash.com/photo-1550751827-4bd374c3f58b?w=1600&q=80'); background-size: cover; opacity: 0.15; }
.cta-card > * { position: relative; z-index: 2; }
.cta-card h2 { font-size: 40px; margin-bottom: 16px; letter-spacing: -0.5px; }
.cta-card p { font-size: 18px; opacity: 0.9; margin-bottom: 32px; }
.cta-card .btn-primary { background: #FCDE5A; color: #0C447C; }

/* Footer */
footer { background: #0C2543; color: #b8c4d6; padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand .logo { color: #fff; }
.footer-brand .logo-text .sub { color: #8a9bb5; }
.footer-brand p { color: #8a9bb5; margin-top: 16px; max-width: 320px; font-size: 15px; }
.footer-col h4 { color: #fff; font-size: 14px; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 20px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 12px; }
.footer-col ul a { color: #b8c4d6; text-decoration: none; font-size: 15px; transition: color 0.2s; }
.footer-col ul a:hover { color: #FCDE5A; }
.footer-bottom { border-top: 1px solid #1a3a5c; padding-top: 24px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 16px; font-size: 14px; color: #8a9bb5; }

/* About */
.values-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; margin-top: 40px; }

/* Process */
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.process-step { background: #fff; padding: 32px 24px; border-radius: 12px; border: 1px solid #e5e9ef; position: relative; }
.process-num { font-size: 56px; font-weight: 800; color: #e6f1fb; line-height: 1; margin-bottom: 16px; }
.process-step h3 { font-size: 18px; margin-bottom: 12px; }
.process-step p { color: #5a6478; font-size: 14px; }

/* Responsive */
@media (max-width: 900px) {
  .hero h1 { font-size: 42px; }
  .hero p { font-size: 18px; }
  .page-hero h1 { font-size: 36px; }
  .features, .stats-grid, .process-grid, .footer-grid, .values-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .split { grid-template-columns: 1fr; gap: 32px; }
  nav.main-nav { gap: 20px; }
  nav.main-nav a:not(.nav-cta) { display: none; }
  .section-title { font-size: 32px; }
  .cta-card h2 { font-size: 28px; }
}