:root{
  --blue:#0b3d91;
  --blue-dark:#082a66;
  --green:#16a34a;
  --green-dark:#128038;
  --ink:#1c2430;
  --ink-soft:#5b6472;
  --line:#e1e6ee;
  --panel:#f4f7fb;
  --white:#ffffff;
  --radius:10px;
}
*{margin:0;padding:0;box-sizing:border-box;}
body{font-family:'Source Sans 3',sans-serif;color:var(--ink);line-height:1.65;background:var(--white);}
h1,h2,h3,h4{font-family:'Lexend',sans-serif;color:var(--blue-dark);font-weight:600;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}
.container{max-width:1180px;margin:0 auto;padding:0 24px;}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:var(--radius);font-weight:600;font-size:15px;cursor:pointer;border:2px solid transparent;transition:.2s;}
.btn-primary{background:var(--green);color:#fff;}
.btn-primary:hover{background:var(--green-dark);transform:translateY(-1px);}
.btn-outline{background:transparent;border:2px solid var(--blue);color:var(--blue);}
.btn-outline:hover{background:var(--blue);color:#fff;}
.eyebrow{color:var(--green-dark);font-weight:700;font-size:12.5px;letter-spacing:1.5px;text-transform:uppercase;}
section{padding:74px 0;}
.section-head{max-width:660px;margin:0 auto 42px;text-align:center;}
.section-head h2{font-size:31px;margin:8px 0 12px;}
.section-head p{color:var(--ink-soft);font-size:16px;}

/* Top strip */
.top-strip{background:var(--blue-dark);color:#dce6f7;font-size:13px;padding:8px 0;}
.top-strip .container{display:flex;justify-content:center;text-align:center;}

/* Header */
header{background:#fff;box-shadow:0 1px 0 var(--line);position:sticky;top:0;z-index:100;}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:17px 0;}
.logo{display:flex;align-items:center;gap:10px;font-family:'Lexend',sans-serif;font-weight:600;font-size:18.5px;color:var(--blue-dark);}
.logo-badge{width:40px;height:40px;border-radius:var(--radius);background:var(--blue);display:flex;align-items:center;justify-content:center;color:#fff;font-size:15px;font-weight:700;}
.logo small{display:block;font-family:'Source Sans 3',sans-serif;font-weight:400;font-size:11px;color:var(--ink-soft);}
nav ul{display:flex;gap:28px;list-style:none;}
nav a{font-weight:500;font-size:14.5px;color:var(--ink);}
nav a:hover{color:var(--blue);}
.header-cta{display:flex;align-items:center;gap:20px;}

/* Breadcrumb */
.breadcrumb{background:var(--panel);padding:12px 0;font-size:13px;color:var(--ink-soft);}
.breadcrumb a{color:var(--blue);font-weight:600;}
.breadcrumb a:hover{text-decoration:underline;}

/* Hero */
.hero{background:var(--panel);padding:60px 0 0;}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:48px;align-items:center;}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:#e7f5ec;color:var(--green-dark);font-weight:600;font-size:12.5px;padding:7px 16px;border-radius:100px;margin-bottom:20px;}
.hero h1{font-size:42px;line-height:1.18;margin-bottom:18px;color:var(--blue-dark);}
.hero h1 span{color:var(--green);}
.hero p{color:var(--ink-soft);font-size:16.5px;margin-bottom:28px;max-width:490px;}
.hero-actions{display:flex;gap:14px;align-items:center;flex-wrap:wrap;margin-bottom:30px;}
.hero-stats{display:flex;gap:30px;border-top:1px solid var(--line);padding-top:22px;}
.hero-stats div strong{display:block;font-family:'Lexend',sans-serif;font-size:22px;color:var(--blue-dark);}
.hero-stats div span{font-size:12.5px;color:var(--ink-soft);}
.hero-media{position:relative;}
.hero-media img{border-radius:var(--radius);box-shadow:0 20px 44px rgba(11,61,145,.16);width:100%;height:420px;object-fit:cover;}
.hero-card{position:absolute;bottom:-18px;left:-18px;background:#fff;padding:14px 20px;border-radius:var(--radius);box-shadow:0 14px 30px rgba(11,61,145,.18);display:flex;align-items:center;gap:12px;}
.hero-card .icon{width:36px;height:36px;border-radius:50%;background:#e7f5ec;color:var(--green-dark);display:flex;align-items:center;justify-content:center;font-weight:800;}
.hero-card strong{display:block;font-size:13px;color:var(--blue-dark);}
.hero-card span{font-size:11px;color:var(--ink-soft);}

/* Interior hero */
.page-hero{background:var(--panel);padding:48px 0;}
.page-hero-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;align-items:center;}
.page-hero h1{font-size:32px;line-height:1.22;margin-bottom:14px;}
.page-hero p{color:var(--ink-soft);font-size:16px;max-width:520px;margin-bottom:18px;}
.page-hero img{border-radius:var(--radius);width:100%;height:290px;object-fit:cover;box-shadow:0 16px 34px rgba(11,61,145,.14);}
.page-updated{font-size:12.5px;color:var(--ink-soft);margin-bottom:10px;}

/* Trust bar */
.trust-bar{background:var(--blue);padding:22px 0;}
.trust-bar .container{display:flex;justify-content:space-between;flex-wrap:wrap;gap:20px;}
.trust-item{display:flex;align-items:center;gap:12px;color:#fff;flex:1;min-width:220px;}
.trust-item .icon{width:36px;height:36px;flex-shrink:0;border-radius:50%;background:rgba(255,255,255,.15);display:flex;align-items:center;justify-content:center;}
.trust-item strong{display:block;font-size:13.5px;}
.trust-item span{font-size:11.5px;color:#c3d4ef;}

/* About split */
.about{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center;}
.about img{border-radius:var(--radius);box-shadow:0 16px 36px rgba(11,61,145,.12);height:390px;object-fit:cover;width:100%;}
.about-text h2{font-size:29px;margin:8px 0 16px;}
.about-text p{color:var(--ink-soft);margin-bottom:15px;}
.check-list{list-style:none;margin-top:18px;}
.check-list li{display:flex;gap:12px;align-items:flex-start;margin-bottom:11px;font-size:15px;color:var(--ink);}
.check-list li .tick{width:20px;height:20px;border-radius:50%;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:11px;font-weight:800;}

/* Benefits grid */
.benefits{background:#fff;}
.benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.benefit-card{background:var(--panel);padding:28px 24px;border-radius:var(--radius);border:1px solid var(--line);transition:.2s;}
.benefit-card:hover{box-shadow:0 10px 26px rgba(11,61,145,.1);border-color:var(--blue);}
.benefit-card .icon{width:42px;height:42px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;margin-bottom:15px;font-weight:700;font-size:13.5px;}
.benefit-card h3{font-size:16.5px;margin-bottom:8px;}
.benefit-card p{color:var(--ink-soft);font-size:14px;}

/* Quick facts */
.facts-card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:26px;display:grid;grid-template-columns:repeat(2,1fr);gap:18px;}
.facts-card .fact strong{display:block;font-size:12px;color:var(--ink-soft);text-transform:uppercase;letter-spacing:.4px;margin-bottom:4px;}
.facts-card .fact span{font-size:15px;color:var(--blue-dark);font-weight:600;}

/* Steps */
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.step-card{position:relative;padding:28px 22px;border-radius:var(--radius);border:1px solid var(--line);text-align:left;}
.step-num{width:34px;height:34px;border-radius:50%;background:var(--green);color:#fff;font-family:'Lexend',sans-serif;font-weight:600;display:flex;align-items:center;justify-content:center;margin-bottom:13px;font-size:14px;}
.step-card h3{font-size:15.5px;margin-bottom:7px;}
.step-card p{font-size:13px;color:var(--ink-soft);}

/* FAQ accordion-style (static) */
.faq-item{border-bottom:1px solid var(--line);padding:22px 0;}
.faq-item h3{font-size:17px;margin-bottom:8px;color:var(--blue-dark);}
.faq-item p{color:var(--ink-soft);font-size:14.5px;}

/* Country chips */
.country-chip-wrap{display:flex;flex-wrap:wrap;gap:9px;justify-content:center;max-width:900px;margin:0 auto 32px;}
.country-chip{background:var(--panel);border:1px solid var(--line);padding:9px 17px;border-radius:100px;font-size:13.5px;font-weight:600;color:var(--ink);}
.country-chip:hover{border-color:var(--blue);color:var(--blue);}
.countries{text-align:center;}

/* Related / hub link grid */
.link-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;}
.link-grid a{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px;font-size:13.5px;font-weight:600;color:var(--ink);}
.link-grid a:hover{border-color:var(--blue);color:var(--blue);}
.hub-group h3{font-size:19px;margin:34px 0 15px;}
.hub-group:first-child h3{margin-top:0;}

/* CTA banner */
.cta-banner{background:linear-gradient(120deg,var(--blue) 0%,var(--blue-dark) 100%);border-radius:var(--radius);padding:56px;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;color:#fff;}
.cta-banner h2{color:#fff;font-size:27px;margin-bottom:8px;}
.cta-banner p{color:#c3d4ef;}

/* Footer */
footer{background:var(--blue-dark);color:#c3d4ef;padding-top:60px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:42px;border-bottom:1px solid rgba(255,255,255,.1);}
.footer-grid h4{color:#fff;font-size:13.5px;margin-bottom:15px;}
.footer-grid ul{list-style:none;}
.footer-grid li{margin-bottom:10px;font-size:14px;}
.footer-grid a:hover{color:var(--green);}
.footer-about p{font-size:14px;margin:14px 0;max-width:280px;}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding:20px 0;font-size:12.5px;flex-wrap:wrap;gap:10px;}
.payment-icons{display:flex;gap:10px;}
.payment-icons span{background:rgba(255,255,255,.08);padding:6px 12px;border-radius:6px;font-size:11.5px;}

@media (max-width:900px){
  nav{display:none;}
  .hero-grid, .about, .page-hero-grid{grid-template-columns:1fr;}
  .hero h1{font-size:31px;}
  .benefit-grid{grid-template-columns:1fr 1fr;}
  .steps-grid{grid-template-columns:1fr 1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .cta-banner{padding:34px 22px;text-align:center;justify-content:center;}
  .facts-card{grid-template-columns:1fr;}
  .link-grid{grid-template-columns:1fr 1fr;}
}