:root{--ink:#162230;--muted:#5d6c7d;--blue:#154f8b;--blue-dark:#123c66;--line:#e3e8ef;--surface:#fff;--wash:#f4f7fb;--max:1400px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:105px}
body{font-family:"Segoe UI",Arial,sans-serif;background:var(--wash);color:var(--ink);line-height:1.6}
button,a{font:inherit}
button:focus-visible,a:focus-visible{outline:3px solid rgba(43,115,210,.35);outline-offset:4px}
.container{width:min(var(--max),92%);margin-inline:auto}
.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);border-bottom:1px solid var(--line);backdrop-filter:blur(14px)}
.topbar .container{min-height:96px;display:flex;justify-content:space-between;align-items:center;gap:30px}
.logo{display:flex;align-items:center;gap:16px;color:inherit;text-decoration:none}
.logo-icon{width:54px;height:54px;border-radius:12px;background:var(--blue-dark);color:#fff;display:grid;place-items:center;font-weight:800;box-shadow:0 8px 22px rgba(18,60,102,.18)}
.logo-text{display:flex;flex-direction:column}.logo-text strong{font-size:22px;line-height:1.25}.logo-text span{color:#738193;font-size:13px;letter-spacing:.02em}
nav{display:flex;align-items:center;gap:30px}nav a{position:relative;color:#223447;text-decoration:none;font-weight:650;padding:10px 0}.app-link{padding:9px 15px;border:1px solid #c8d8e8;border-radius:8px;color:var(--blue)}
nav a::after{content:"";position:absolute;left:0;right:100%;bottom:4px;height:2px;background:var(--blue);transition:right .25s ease}nav a:hover::after,nav a.active::after{right:0}
.menu-toggle{display:none;border:0;background:transparent;color:var(--ink);cursor:pointer;font-weight:700}.menu-icon{display:grid;gap:4px}.menu-icon i{display:block;width:23px;height:2px;background:currentColor;transition:.25s}
.hero{padding:105px 0 95px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.75fr) minmax(320px,1fr);gap:64px;align-items:center}
.eyebrow,.section-kicker,.mini-title{display:inline-block;color:#1a5ba7;font-weight:750;letter-spacing:.08em;text-transform:uppercase;font-size:12px}
.eyebrow{background:#e8f2ff;padding:8px 16px;border-radius:30px;margin-bottom:25px}
.hero h1{font-size:clamp(44px,5vw,68px);line-height:1.06;letter-spacing:-.04em;max-width:900px;margin-bottom:26px}.hero-left>p{font-size:20px;color:var(--muted);max-width:750px}
.hero-buttons{display:flex;flex-wrap:wrap;gap:14px;margin-top:38px}
button{border:0;cursor:pointer}.primary,.secondary{display:inline-flex;align-items:center;justify-content:center;padding:15px 28px;border-radius:10px;font-weight:750;text-decoration:none;transition:transform .2s,box-shadow .2s,background .2s}.primary{background:var(--blue);color:#fff;box-shadow:0 10px 24px rgba(21,79,139,.2)}.primary:hover{background:#0f447b;transform:translateY(-2px);box-shadow:0 14px 30px rgba(21,79,139,.28)}.secondary{background:#fff;color:var(--ink);border:1px solid #d8dfe7}.secondary:hover{transform:translateY(-2px);border-color:#aab9c9;box-shadow:0 10px 22px rgba(18,38,59,.08)}
.hero-card{background:#fff;border:1px solid rgba(18,60,102,.08);border-radius:20px;padding:38px;box-shadow:0 20px 50px rgba(18,38,59,.09);transition:transform .3s,box-shadow .3s}.hero-card:hover{transform:translateY(-4px);box-shadow:0 26px 58px rgba(18,38,59,.13)}.hero-card h2{font-size:34px;margin:12px 0}.hero-card p{color:var(--muted)}.hero-card ul{margin:24px 0;list-style:none}.hero-card li{margin-bottom:12px}.hero-card li span{color:#2b73d2;margin-right:9px}.text-button,.card-link{display:inline-block;background:transparent;color:var(--blue);font-weight:750;text-decoration:none}.text-button span{display:inline-block;transition:transform .2s}.text-button:hover span{transform:translateX(5px)}
.section{padding:92px 0}.section-header{margin-bottom:42px}.section-header h2,.heloc-grid h2,.privacy h2{font-size:clamp(34px,4vw,46px);line-height:1.15;letter-spacing:-.025em;margin:8px 0 12px}.section-header p,.heloc-grid p,.privacy p{color:var(--muted);font-size:18px}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}.card{position:relative;background:#fff;padding:32px;border:1px solid transparent;border-radius:16px;box-shadow:0 8px 30px rgba(0,0,0,.045);transition:transform .25s,border-color .25s,box-shadow .25s}.card:hover{transform:translateY(-5px);border-color:#d9e4ef;box-shadow:0 16px 36px rgba(18,38,59,.09)}.card h3{margin:18px 0 8px}.card p{color:var(--muted)}.card-number{color:#8ba1b7;font-size:13px;font-weight:800}.featured-card{border-color:#bfd5eb;background:linear-gradient(145deg,#fff,#f2f8ff)}.card-link{margin-top:18px}.coming-soon-card{background:#f7f9fb;box-shadow:none}.coming-soon-badge{display:inline-block;margin-top:10px;padding:4px 8px;border-radius:999px;background:#eef2f5;color:#526476;font-size:11px;font-style:normal;font-weight:800;letter-spacing:.06em;text-transform:uppercase}
.heloc-section{background:var(--blue-dark);color:#fff}.heloc-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:70px;align-items:center}.heloc-grid p{color:#cfdae5;max-width:720px;margin-bottom:30px}.heloc-section .section-kicker{color:#84baf2}.engine-panel{display:grid;gap:1px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.15);border-radius:16px;overflow:hidden}.engine-panel div{display:grid;padding:25px;background:rgba(255,255,255,.06);transition:background .2s}.engine-panel div:hover{background:rgba(255,255,255,.11)}.engine-panel span{color:#c8d6e4;font-size:14px}
.dark{background:#eef3f8}.goal-panel{display:grid;gap:22px}.goal{background:#fff;padding:26px 30px;border-radius:15px;box-shadow:0 5px 20px rgba(18,38,59,.035)}.goal small{color:var(--muted)}.progress{margin-top:16px;height:10px;background:#dfe5ec;border-radius:20px;overflow:hidden}.progress div{height:100%;background:linear-gradient(90deg,#154f8b,#4388df);border-radius:inherit}
.privacy{display:grid;grid-template-columns:1fr auto;align-items:center;gap:60px;background:#fff;padding:55px 60px;border-radius:18px;box-shadow:0 12px 35px rgba(18,38,59,.05)}.privacy-badge{width:180px;height:180px;border-radius:50%;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;background:#e8f2ff;color:var(--blue)}.privacy-badge strong{font-size:34px}.privacy-badge span{font-size:13px;max-width:110px}
footer{background:#12263b;color:#fff;padding:42px 0}.footer{display:flex;justify-content:space-between;align-items:center;gap:30px}.footer p{color:#b9c5d0}.footer>div:last-child{display:flex;flex-direction:column;text-align:right;color:#b9c5d0}.footer a{color:#fff;text-decoration:none;font-weight:700}
@media(max-width:1100px){.hero-grid,.heloc-grid{grid-template-columns:1fr}.cards{grid-template-columns:repeat(2,1fr)}}
@media(max-width:820px){.topbar .container{min-height:80px}.logo-text strong{font-size:18px}.logo-text span{display:none}.logo-icon{width:46px;height:46px}.menu-toggle{display:flex;align-items:center;gap:10px;padding:10px}nav{display:none;position:absolute;top:100%;left:0;width:100%;padding:14px 4%;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 15px 25px rgba(18,38,59,.08)}nav.open{display:grid;gap:0}nav a{padding:13px 4px}.menu-toggle[aria-expanded="true"] .menu-icon i:nth-child(1){transform:translateY(6px) rotate(45deg)}.menu-toggle[aria-expanded="true"] .menu-icon i:nth-child(2){opacity:0}.menu-toggle[aria-expanded="true"] .menu-icon i:nth-child(3){transform:translateY(-6px) rotate(-45deg)}.privacy{grid-template-columns:1fr}.privacy-badge{width:140px;height:140px}}
@media(max-width:600px){.container{width:min(var(--max),90%)}.hero{padding:70px 0}.hero h1{font-size:42px}.hero-left>p{font-size:18px}.hero-buttons>*{width:100%}.cards{grid-template-columns:1fr}.section{padding:70px 0}.hero-card,.card{padding:28px}.privacy{padding:36px 28px}.footer{flex-direction:column;align-items:flex-start}.footer>div:last-child{text-align:left}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important}}