:root {
  --navy: #062a52;
  --navy-2: #0b3564;
  --blue: #1768b2;
  --blue-2: #2f82cf;
  --cyan: #14cfe3;
  --cyan-soft: #e9fbfd;
  --white: #ffffff;
  --soft: #f5f9fc;
  --text: #10243e;
  --muted: #64788f;
  --line: #dce7ef;
  --shadow: 0 18px 46px rgba(11, 53, 100, 0.10);
  --container: 1180px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Inter", Arial, sans-serif;
  background: var(--white);
  color: var(--text);
  overflow-x: hidden;
}
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }
button { font: inherit; }
.container { width: min(calc(100% - 40px), var(--container)); margin: 0 auto; }
.section { padding: 92px 0; }
.soft-section { background: var(--soft); }

h1, h2, h3 {
  font-family: "Montserrat", "Inter", sans-serif;
  letter-spacing: -0.03em;
}
h2 {
  max-width: 720px;
  font-size: clamp(34px, 3.1vw, 46px);
  line-height: 1.12;
  color: var(--navy);
}
h2 span { color: var(--blue); }

.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .7s ease, transform .7s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }

.header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  transition: .25s ease;
}
.header.scrolled {
  background: rgba(255,255,255,.95);
  border-bottom: 1px solid rgba(6,42,82,.08);
  backdrop-filter: blur(14px);
}
.header-inner {
  min-height: 84px;
  display: flex;
  align-items: center;
  gap: 28px;
}
.brand { width: 205px; margin-right: auto; }
.brand img { width: 100%; height: auto; }
.nav-desktop { display: flex; gap: 26px; align-items: center; }
.nav-desktop a {
  color: #39526b;
  font-size: 13px;
  font-weight: 600;
  transition: .2s;
}
.nav-desktop a:hover { color: var(--blue); }

.btn {
  min-height: 50px;
  padding: 0 21px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  font-size: 13px;
  font-weight: 700;
  transition: .22s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-header { min-height: 44px; border-radius: 999px; background: var(--navy); color: #fff; }
.btn-primary {
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--cyan));
  box-shadow: 0 12px 26px rgba(23,104,178,.18);
}
.btn-secondary { color: var(--navy); background: #fff; border: 1px solid var(--line); }
.btn-light, .btn-white { color: var(--navy); background: #fff; }

.menu-toggle {
  display: none;
  width: 42px;
  height: 42px;
  border: 0;
  background: transparent;
  cursor: pointer;
}
.menu-toggle span { display: block; width: 24px; height: 2px; margin: 5px auto; background: var(--navy); transition: .25s; }
.nav-mobile { display: none; }

.hero {
  position: relative;
  min-height: 760px;
  padding: 128px 0 64px;
  display: flex;
  align-items: center;
  overflow: hidden;
  background:
    radial-gradient(circle at 88% 28%, rgba(20,207,227,.10), transparent 26%),
    linear-gradient(180deg, #fff 0%, #fbfdff 72%, #f4f9fc 100%);
}
.hero-ring { position: absolute; border-radius: 50%; pointer-events: none; }
.ring-one {
  width: 620px; height: 620px; right: -225px; top: -220px;
  border: 70px solid rgba(23,104,178,.05);
}
.ring-two {
  width: 170px; height: 170px; right: 9%; bottom: 58px;
  background: rgba(20,207,227,.08);
}
.hero-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.14fr .86fr;
  gap: 68px;
  align-items: center;
}
.eyebrow, .small-label, .blue-label {
  display: block;
  color: var(--blue);
  font-size: 11px;
  line-height: 1.5;
  font-weight: 700;
  letter-spacing: .15em;
}
.eyebrow { display: flex; align-items: center; gap: 10px; margin-bottom: 22px; }
.eyebrow::before { content: ""; width: 30px; height: 2px; background: var(--cyan); }

.hero h1 {
  max-width: 660px;
  font-size: clamp(40px, 4vw, 56px);
  line-height: 1.06;
  color: var(--navy);
}
.hero h1 span { display: block; margin-top: 8px; color: var(--blue); }
.hero-text {
  max-width: 590px;
  margin-top: 22px;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.7;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.hero-points {
  margin-top: 38px;
  padding-top: 20px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  border-top: 1px solid var(--line);
}
.hero-points strong, .hero-points span { display: block; }
.hero-points strong { color: var(--navy); font-size: 12px; margin-bottom: 4px; }
.hero-points span { color: #7d8fa2; font-size: 11px; line-height: 1.45; }

.hero-media { position: relative; }
.hero-photo-wrap {
  position: relative;
  width: min(100%, 430px);
  height: 560px;
  margin-left: auto;
  overflow: hidden;
  border-radius: 30px;
  border: 1px solid #d5e5ef;
  background: #eaf2f7;
  box-shadow: var(--shadow);
}
.hero-photo-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 50% 18%;
}
.hero-photo-wrap::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 62%, rgba(6,42,82,.50) 100%);
}
.hero-badge {
  position: absolute;
  z-index: 2;
  left: 22px;
  right: 22px;
  bottom: 20px;
  color: #fff;
}
.hero-badge span, .hero-badge strong { display: block; }
.hero-badge span { color: #84edf4; font-size: 10px; font-weight: 700; letter-spacing: .16em; margin-bottom: 5px; }
.hero-badge strong { font-size: 14px; line-height: 1.4; }

.prudential-pill {
  position: absolute;
  top: 72px;
  left: -18px;
  z-index: 3;
  padding: 13px 16px;
  display: flex;
  align-items: center;
  gap: 9px;
  border-radius: 999px;
  border: 1px solid #dce8f1;
  background: #fff;
  color: var(--navy);
  box-shadow: var(--shadow);
  font-size: 11px;
  font-weight: 700;
}
.prudential-pill i {
  width: 8px; height: 8px; border-radius: 50%; background: var(--cyan);
  box-shadow: 0 0 0 5px rgba(20,207,227,.12);
}

.trust-strip { padding: 23px 0; background: var(--navy); color: #fff; }
.trust-strip-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.trust-strip span { color: var(--cyan); font-size: 10px; font-weight: 700; letter-spacing: .15em; }
.trust-strip strong { font-size: 15px; font-weight: 600; }

.kicker { display: flex; align-items: center; gap: 12px; margin-bottom: 38px; }
.kicker span {
  width: 34px; height: 34px; display: grid; place-items: center;
  border-radius: 50%; border: 1px solid #a9cce6;
  color: var(--blue); font-size: 10px; font-weight: 700;
}
.kicker p { color: var(--muted); font-size: 11px; font-weight: 700; letter-spacing: .17em; }

.about-grid {
  display: grid;
  grid-template-columns: .78fr 1.22fr;
  gap: 76px;
  align-items: center;
}
.photo-panel {
  position: relative;
  height: 530px;
  overflow: hidden;
  border-radius: 24px;
  box-shadow: var(--shadow);
  background: var(--soft);
}
.photo-panel img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 16%; }
.photo-panel::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 68%, rgba(6,42,82,.58) 100%);
}
.photo-caption { position: absolute; left: 22px; right: 22px; bottom: 20px; z-index: 2; color: #fff; }
.photo-caption strong, .photo-caption span { display: block; }
.photo-caption strong { font-family: "Montserrat", sans-serif; font-size: 14px; }
.photo-caption span { margin-top: 4px; color: #d8edf7; font-size: 11px; }

.about-copy .lead {
  max-width: 560px;
  margin-top: 24px;
  color: var(--navy);
  font-size: 18px;
  line-height: 1.6;
  font-weight: 600;
}
.about-copy p:not(.lead), .profile-copy p {
  max-width: 590px;
  margin-top: 16px;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.78;
}
.text-link {
  display: inline-flex; gap: 14px; align-items: center;
  margin-top: 24px; padding-bottom: 5px;
  color: var(--blue); border-bottom: 1px solid #b5d4e9;
  font-size: 13px; font-weight: 700;
}

.section-head {
  display: grid;
  grid-template-columns: 1.08fr .92fr;
  gap: 64px;
  align-items: end;
  margin-bottom: 50px;
}
.section-head p {
  max-width: 450px;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.72;
}
.process-head { grid-template-columns: 1fr; }

.cards-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.info-card {
  min-height: 235px;
  padding: 24px;
  border-radius: 18px;
  border: 1px solid #dfebf3;
  background: #fff;
  box-shadow: 0 7px 25px rgba(15,52,88,.045);
}
.card-number {
  width: 40px; height: 40px; display: grid; place-items: center;
  border-radius: 50%; background: var(--cyan-soft);
  color: var(--blue); font-size: 10px; font-weight: 700;
}
.info-card h3 { margin-top: 42px; color: var(--navy); font-size: 19px; }
.info-card p { margin-top: 10px; color: var(--muted); font-size: 13px; line-height: 1.7; }

.blue-section {
  position: relative;
  padding: 88px 0;
  overflow: hidden;
  color: #fff;
  background: linear-gradient(130deg, #0a3a69 0%, #1768b2 56%, #1aa8c6 100%);
}
.blue-circle { position: absolute; border-radius: 50%; }
.c1 { width: 560px; height: 560px; right: -170px; top: -240px; border: 80px solid rgba(255,255,255,.07); }
.c2 { width: 230px; height: 230px; left: -100px; bottom: -100px; background: rgba(20,207,227,.12); }
.blue-grid {
  position: relative; z-index: 2;
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 70px;
  align-items: center;
}
.blue-label { color: #a6f0f5; }
.blue-copy h2 {
  margin-top: 16px;
  max-width: 590px;
  color: #fff;
  font-size: clamp(34px, 3.2vw, 46px);
  line-height: 1.12;
}
.blue-copy h2 span { color: #dffcff; }
.blue-copy p { max-width: 520px; margin-top: 18px; color: #d7e8f5; font-size: 15px; line-height: 1.72; }
.blue-copy .btn { margin-top: 26px; }

.benefit-list {
  overflow: hidden;
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 18px;
  background: rgba(5,35,70,.31);
  backdrop-filter: blur(8px);
}
.benefit-list div { padding: 20px 24px; border-bottom: 1px solid rgba(255,255,255,.10); }
.benefit-list div:last-child { border-bottom: 0; }
.benefit-list strong, .benefit-list span { display: block; }
.benefit-list strong { font-size: 14px; margin-bottom: 4px; }
.benefit-list span { color: #c4dbeb; font-size: 12px; line-height: 1.5; }

.solution-list { border-top: 1px solid var(--line); }
.solution-item {
  display: grid;
  grid-template-columns: 60px .85fr 1.15fr;
  gap: 28px;
  align-items: center;
  padding: 26px 0;
  border-bottom: 1px solid var(--line);
}
.solution-item > span { color: var(--blue); font-size: 11px; font-weight: 700; }
.solution-item h3 { color: var(--navy); font-size: 19px; line-height: 1.3; }
.solution-item p { color: var(--muted); font-size: 13px; line-height: 1.68; }

.profile-section { background: #fbfdff; }
.profile-grid { display: grid; grid-template-columns: .75fr 1.25fr; gap: 80px; align-items: center; }
.profile-photo {
  height: 500px;
  overflow: hidden;
  border-radius: 24px;
  box-shadow: var(--shadow);
}
.profile-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 14%; }
.profile-copy h2 { margin-top: 16px; }
.profile-copy .btn { margin-top: 26px; }

.process-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 14px; }
.process-card {
  min-height: 210px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 17px;
  background: #fff;
}
.process-card > span { color: var(--cyan); font-size: 11px; font-weight: 800; }
.process-card h3 { margin-top: 46px; color: var(--navy); font-size: 18px; }
.process-card p { margin-top: 9px; color: var(--muted); font-size: 13px; line-height: 1.65; }

.prudential-section { padding: 88px 0; background: var(--navy); color: #fff; }
.prudential-grid { display: grid; grid-template-columns: 1fr .7fr; gap: 72px; align-items: center; }
.prudential-copy > span { color: var(--cyan); font-size: 10px; font-weight: 700; letter-spacing: .17em; }
.prudential-copy h2 {
  margin-top: 15px;
  color: #fff;
  font-size: clamp(34px, 3vw, 44px);
}
.prudential-copy h2 span { color: #9cf3f7; }
.prudential-copy p { max-width: 590px; margin-top: 20px; color: #bfd2e2; font-size: 14px; line-height: 1.75; }
.prudential-photo {
  position: relative;
  height: 410px;
  overflow: hidden;
  border-radius: 24px;
  border: 1px solid rgba(255,255,255,.14);
}
.prudential-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 16%; }
.prudential-photo::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 62%, rgba(5,35,70,.70) 100%);
}
.prudential-caption { position: absolute; z-index: 2; left: 22px; right: 22px; bottom: 20px; }
.prudential-caption strong, .prudential-caption span { display: block; }
.prudential-caption strong { font-family: "Montserrat", sans-serif; font-size: 20px; }
.prudential-caption span { margin-top: 4px; color: #d0e4f0; font-size: 11px; }

.faq-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 76px; }
.faq-list { border-top: 1px solid var(--line); }
.faq-item { padding: 21px 0; border-bottom: 1px solid var(--line); }
.faq-item summary {
  position: relative;
  padding-right: 38px;
  list-style: none;
  cursor: pointer;
  color: var(--navy);
  font-size: 14px;
  font-weight: 700;
  line-height: 1.45;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  position: absolute; right: 0; top: -5px;
  width: 27px; height: 27px; display: grid; place-items: center;
  border-radius: 50%; border: 1px solid #b8d4e7; color: var(--blue);
}
.faq-item[open] summary::after { content: "−"; }
.faq-item p { padding: 15px 40px 0 0; color: var(--muted); font-size: 13px; line-height: 1.72; }

.final-cta {
  overflow: hidden;
  color: #fff;
  background: linear-gradient(135deg, #1768b2, #16b8d2);
}
.final-grid { min-height: 520px; display: grid; grid-template-columns: 1.05fr .95fr; }
.final-copy { align-self: center; padding: 82px 60px 82px 0; }
.final-copy > span { color: #d8fbfd; font-size: 10px; font-weight: 700; letter-spacing: .18em; }
.final-copy h2 { margin-top: 15px; color: #fff; font-size: clamp(34px, 3.2vw, 46px); }
.final-copy h2 strong { display: block; color: #e9fdff; }
.final-copy p { margin-top: 19px; color: #e1f3f9; font-size: 14px; }
.final-copy .btn { margin-top: 27px; }
.final-photo { position: relative; min-height: 520px; }
.final-photo img { width: 100%; height: 100%; min-height: 520px; object-fit: cover; object-position: 50% 16%; }
.final-photo::before {
  content: ""; position: absolute; z-index: 1; inset: 0;
  background: linear-gradient(90deg, rgba(23,104,178,.95) 0%, rgba(23,104,178,.12) 28%, transparent 56%);
}

.footer { background: #fff; }
.footer-main { padding: 58px 0; display: grid; grid-template-columns: 1fr .65fr .65fr; gap: 70px; }
.footer-brand img { width: 210px; }
.footer-brand p { max-width: 390px; margin-top: 14px; color: var(--muted); font-size: 11px; line-height: 1.6; }
.footer-links, .footer-contact { display: flex; flex-direction: column; gap: 10px; }
.footer-links a, .footer-contact a { color: #4f657a; font-size: 12px; }
.footer-contact span { margin-bottom: 3px; color: var(--blue); font-size: 9px; font-weight: 700; letter-spacing: .16em; }
.footer-bottom {
  min-height: 74px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  border-top: 1px solid var(--line);
}
.footer-bottom p { color: #8190a0; font-size: 9px; line-height: 1.5; }
.footer-bottom p:last-child { max-width: 500px; text-align: right; }

.whatsapp-float {
  position: fixed;
  right: 20px; bottom: 20px;
  width: 54px; height: 54px;
  display: grid; place-items: center;
  z-index: 900;
  border-radius: 50%;
  background: #25d366; color: #fff;
  box-shadow: 0 12px 30px rgba(0,0,0,.18);
  font-size: 10px; font-weight: 800;
}

@media (max-width: 1020px) {
  .nav-desktop, .btn-header { display: none; }
  .menu-toggle { display: block; }
  .nav-mobile {
    position: fixed; inset: 84px 0 0 0;
    background: rgba(255,255,255,.98);
    backdrop-filter: blur(14px);
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 24px;
  }
  .nav-mobile.active { display: flex; }
  .nav-mobile a { color: var(--navy); font-size: 20px; font-weight: 700; }
  .mobile-cta { padding: 13px 20px; border-radius: 999px; background: var(--navy); color: #fff !important; font-size: 13px !important; }
  .menu-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .menu-toggle.active span:nth-child(2) { opacity: 0; }
  .menu-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

  .hero { min-height: auto; }
  .hero-grid, .about-grid, .section-head, .blue-grid, .profile-grid, .prudential-grid, .faq-grid, .final-grid {
    grid-template-columns: 1fr;
    gap: 50px;
  }
  .hero-media { max-width: 560px; width: 100%; margin: 0 auto; }
  .hero-photo-wrap { margin: 0 auto; }
  .prudential-pill { left: 0; }
  .cards-grid, .process-grid { grid-template-columns: repeat(2,1fr); }
  .photo-panel, .profile-photo { max-width: 560px; }
  .final-copy { padding: 70px 0 34px; }
  .final-photo, .final-photo img { min-height: 480px; }
}

@media (max-width: 680px) {
  .container { width: min(calc(100% - 28px), var(--container)); }
  .section { padding: 72px 0; }
  .header-inner { min-height: 74px; }
  .brand { width: 170px; }
  .nav-mobile { inset: 74px 0 0 0; }

  h2,
  .blue-copy h2,
  .prudential-copy h2,
  .final-copy h2 {
    font-size: clamp(30px, 8.5vw, 38px);
    line-height: 1.12;
  }

  .hero { padding: 108px 0 58px; }
  .hero h1 { font-size: clamp(36px, 10.5vw, 46px); line-height: 1.07; }
  .hero-text { font-size: 14px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .hero-points { grid-template-columns: 1fr; gap: 12px; }
  .hero-points div { padding-bottom: 12px; border-bottom: 1px solid var(--line); }
  .hero-photo-wrap { height: 480px; }
  .prudential-pill { top: 45px; font-size: 10px; }

  .trust-strip-inner { flex-direction: column; align-items: flex-start; }
  .cards-grid, .process-grid { grid-template-columns: 1fr; }

  .photo-panel, .profile-photo { height: 430px; }
  .prudential-photo { height: 400px; }

  .solution-item { grid-template-columns: 38px 1fr; gap: 16px; }
  .solution-item p { grid-column: 2; }

  .final-photo, .final-photo img { min-height: 430px; }
  .final-photo::before {
    background: linear-gradient(180deg, rgba(23,104,178,.93) 0%, rgba(23,104,178,.08) 26%, transparent 52%);
  }

  .footer-main { grid-template-columns: 1fr; gap: 30px; }
  .footer-bottom { padding: 20px 0; flex-direction: column; align-items: flex-start; justify-content: center; }
  .footer-bottom p:last-child { text-align: left; }
}