*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:Lato,-apple-system,BlinkMacSystemFont,sans-serif;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;background:#fff;color:#1a1a2e;line-height:1.6}.nav{position:fixed;top:0;left:0;right:0;z-index:100;background:#fffffff2;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid rgba(0,0,0,.05);transition:transform .3s ease,opacity .3s ease}.nav-hidden{transform:translateY(-100%);opacity:0;pointer-events:none}.nav-visible{transform:translateY(0);opacity:1}.nav-container{display:flex;justify-content:space-between;align-items:center;padding:1rem 2rem;max-width:1200px;margin:0 auto;width:100%}.logo{font-family:Montserrat,sans-serif;font-size:1.75rem;font-weight:800;color:#1a1a2e;letter-spacing:-.02em}.nav-links{display:flex;align-items:center;gap:2rem}.nav-links a{font-family:Lato,sans-serif;color:#555;text-decoration:none;font-size:.95rem;font-weight:500;transition:color .2s ease}.nav-links a:hover{color:#1a1a2e}.contact-btn{font-family:Lato,sans-serif;background:#2563eb;color:#fff;padding:.65rem 1.5rem;border-radius:6px;border:none;font-size:.95rem;font-weight:500;cursor:pointer;transition:all .2s ease}.contact-btn:hover{background:#1d4ed8}.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;width:40px;height:40px;background:none;border:none;cursor:pointer;padding:8px;z-index:101}.hamburger-line{display:block;width:24px;height:2px;background:#1a1a2e;border-radius:2px;transition:all .3s ease}.hamburger-line.open:nth-child(1){transform:rotate(45deg) translate(5px,5px)}.hamburger-line.open:nth-child(2){opacity:0}.hamburger-line.open:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}@media(max-width:768px){.hamburger{display:flex}.nav-links{position:fixed;top:0;right:0;width:280px;height:100vh;background:#fff;flex-direction:column;align-items:flex-start;padding:5rem 2rem 2rem;gap:1.5rem;box-shadow:-4px 0 20px #0000001a;transform:translate(100%);transition:transform .3s ease}.nav-links-open{transform:translate(0)}.nav-links a{font-size:1.1rem}.contact-btn{width:100%;text-align:center;margin-top:1rem}}.hero{position:relative;min-height:100vh;display:flex;flex-direction:column;overflow:hidden}.hero-background{position:absolute;top:0;left:0;width:100%;height:100%;z-index:0}.hero-background img{width:100%;height:100%;object-fit:cover}.hero-overlay{position:absolute;top:0;left:0;width:100%;height:100%;background:linear-gradient(135deg,#0f172ae6,#1e40afd9)}.hero-nav{position:relative;z-index:10;width:100%}.hero-nav-container{display:flex;justify-content:space-between;align-items:center;padding:1.5rem 2rem;max-width:1200px;margin:0 auto;width:100%}.hero-logo{font-family:Montserrat,sans-serif;font-size:1.75rem;font-weight:800;color:#fff;letter-spacing:-.02em}.hero-nav-links{display:flex;align-items:center;gap:2rem}.hero-nav-links a{font-family:Lato,sans-serif;color:#ffffffd9;text-decoration:none;font-size:.95rem;font-weight:500;transition:color .2s ease}.hero-nav-links a:hover{color:#fff}.hero-contact-btn{font-family:Lato,sans-serif;background:#2563eb;color:#fff;padding:.65rem 1.5rem;border-radius:6px;border:none;font-size:.95rem;font-weight:500;cursor:pointer;transition:all .2s ease}.hero-contact-btn:hover{background:#1d4ed8}.hero-hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;width:40px;height:40px;background:none;border:none;cursor:pointer;padding:8px;z-index:101}.hero-hamburger-line{display:block;width:24px;height:2px;background:#fff;border-radius:2px;transition:all .3s ease}.hero-hamburger-line.open:nth-child(1){transform:rotate(45deg) translate(5px,5px)}.hero-hamburger-line.open:nth-child(2){opacity:0}.hero-hamburger-line.open:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}.hero-content{position:relative;z-index:1;flex:1;display:flex;flex-direction:column;justify-content:center;align-items:center;max-width:900px;margin:0 auto;text-align:center;padding:2rem}.hero h1{font-family:Montserrat,sans-serif;font-size:clamp(2.5rem,6vw,4rem);font-weight:700;color:#fff;line-height:1.1;letter-spacing:-.02em;margin-bottom:1.5rem}.tagline{font-family:Lato,sans-serif;font-size:clamp(1.1rem,2vw,1.35rem);color:#ffffffe6;line-height:1.7;margin-bottom:2.5rem;max-width:700px}.hero-ctas{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}.cta-primary{font-family:Lato,sans-serif;background:#2563eb;color:#fff;padding:1rem 2.5rem;border-radius:8px;text-decoration:none;font-weight:600;font-size:1rem;border:none;cursor:pointer;transition:all .2s ease}.cta-primary:hover{background:#1d4ed8;transform:translateY(-2px)}.cta-secondary{font-family:Lato,sans-serif;color:#fff;padding:1rem 2.5rem;border-radius:8px;text-decoration:none;font-weight:600;font-size:1rem;border:2px solid rgba(255,255,255,.4);transition:all .2s ease}.cta-secondary:hover{border-color:#fff;background:#ffffff1a}@media(max-width:768px){.hero-hamburger{display:flex}.hero-nav-links{position:fixed;top:0;right:0;width:280px;height:100vh;background:#0f172afa;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);flex-direction:column;align-items:flex-start;padding:5rem 2rem 2rem;gap:1.5rem;transform:translate(100%);transition:transform .3s ease}.hero-nav-links-open{transform:translate(0)}.hero-nav-links a{font-size:1.1rem;color:#fff}.hero-contact-btn{width:100%;text-align:center;margin-top:1rem}}.problem{padding:5rem 0;background:#fff}.problem .container{text-align:center}.problem-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:2rem;margin-top:2rem}.problem-card{background:#f8f9fc;padding:2rem;border-radius:12px;text-align:left}.problem-card h3{font-family:Montserrat,sans-serif;font-size:1.2rem;font-weight:600;color:#1a1a2e;margin-bottom:1.25rem}.problem-card ul{list-style:none;padding:0;margin:0}.problem-card li{font-family:Lato,sans-serif;color:#555;font-size:.95rem;padding:.5rem 0 .5rem 1.5rem;position:relative}.problem-card li:before{content:"";position:absolute;left:0;top:50%;transform:translateY(-50%);width:6px;height:6px;background:#2563eb;border-radius:50%}.solution{padding:5rem 0;background:linear-gradient(180deg,#f8f9fc,#fff)}.solution .container{text-align:center}.solution-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;margin-top:3rem;position:relative}.solution-card{background:#fff;padding:2rem;border-radius:16px;text-align:center;box-shadow:0 4px 20px #0000000f;position:relative;transition:transform .3s ease,box-shadow .3s ease}.solution-card:hover{transform:translateY(-6px);box-shadow:0 12px 32px #0000001a}.solution-card-header{display:flex;flex-direction:column;align-items:center;margin-bottom:1.25rem}.solution-icon{width:56px;height:56px;background:linear-gradient(135deg,#2563eb,#1e40af);border-radius:14px;display:flex;align-items:center;justify-content:center;margin-bottom:1rem}.solution-icon svg{width:28px;height:28px;color:#fff}.solution-number{font-family:Montserrat,sans-serif;font-size:.75rem;font-weight:700;color:#2563eb;background:#eff6ff;padding:.25rem .75rem;border-radius:20px}.solution-card h3{font-family:Montserrat,sans-serif;font-size:1.15rem;font-weight:600;color:#1a1a2e;margin-bottom:.5rem}.solution-card p{font-family:Lato,sans-serif;font-size:.9rem;color:#666;line-height:1.5}.solution-connector{display:none}@media(min-width:769px){.solution-card:after{content:"";position:absolute;top:50%;right:-1.5rem;width:1.5rem;height:2px;background:linear-gradient(90deg,#2563eb,#93c5fd);transform:translateY(-50%)}.solution-card:last-child:after{display:none}}@media(max-width:1024px){.solution-grid{grid-template-columns:repeat(2,1fr)}.solution-card:after{display:none}}@media(max-width:768px){.solution-grid{grid-template-columns:1fr;max-width:400px;margin-left:auto;margin-right:auto}}.features{padding:5rem 0;background:#fff}.features .container{text-align:center}.features-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:2rem;text-align:left}.feature-card{padding:2rem;background:#f8f9fc;border-radius:12px;transition:transform .2s ease,box-shadow .2s ease}.feature-card:hover{transform:translateY(-4px);box-shadow:0 8px 24px #00000014}.feature-icon{width:48px;height:48px;background:#2563eb;border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:1.25rem}.feature-icon svg{width:24px;height:24px;color:#fff}.feature-card h3{font-family:Montserrat,sans-serif;font-size:1.15rem;font-weight:600;color:#1a1a2e;margin-bottom:.75rem}.feature-card p{font-family:Lato,sans-serif;color:#666;font-size:.95rem;line-height:1.6}.risk-categories{padding:5rem 0;background:#1e40af;text-align:center}.risk-categories h2{color:#fff}.risk-categories .section-label{color:#93c5fd}.risk-categories .section-intro{color:#ffffffb3}.categories-grid{display:flex;flex-wrap:wrap;gap:1rem;justify-content:center}.category-tag{font-family:Lato,sans-serif;background:#ffffff1a;color:#fff;padding:.75rem 1.5rem;border-radius:50px;font-size:.95rem;font-weight:500;border:1px solid rgba(255,255,255,.15)}.benefits{padding:5rem 0;background:#f8f9fc}.benefits-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:2rem}.benefit-card{background:#fff;padding:2rem;border-radius:12px;box-shadow:0 2px 8px #0000000a}.benefit-card h3{font-family:Montserrat,sans-serif;font-size:1.2rem;font-weight:600;color:#1a1a2e;margin-bottom:1.25rem;padding-bottom:1rem;border-bottom:2px solid #2563eb}.benefit-card ul{list-style:none;padding:0;margin:0}.benefit-card li{font-family:Lato,sans-serif;color:#555;font-size:.95rem;padding:.6rem 0 .6rem 1.5rem;position:relative}.benefit-card li:before{content:"✓";position:absolute;left:0;color:#2563eb;font-weight:700}.cta-section{padding:5rem 0;background:#fff;text-align:center}.cta-section h2{font-family:Montserrat,sans-serif;font-size:clamp(1.75rem,4vw,2.5rem);font-weight:700;color:#1a1a2e;margin-bottom:1rem}.cta-section p{font-family:Lato,sans-serif;color:#666;font-size:1.1rem;margin-bottom:2rem}.cta-section .cta-primary{font-family:Lato,sans-serif;display:inline-block;background:#2563eb;color:#fff;padding:1rem 2rem;border-radius:8px;text-decoration:none;font-weight:600;font-size:1rem;transition:all .2s ease}.cta-section .cta-primary:hover{background:#1d4ed8;transform:translateY(-2px)}.footer{background:#0f172a;padding:3rem 0 2rem}.footer-content{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:2rem;padding-bottom:2rem;border-bottom:1px solid rgba(255,255,255,.1)}.footer-logo{font-family:Montserrat,sans-serif;font-size:1.75rem;font-weight:800;color:#fff;margin-bottom:.5rem}.footer-brand p{font-family:Lato,sans-serif;color:#fff9;font-size:.9rem}.footer-links a{font-family:Lato,sans-serif;color:#fffc;text-decoration:none;font-size:.95rem;transition:color .2s ease}.footer-links a:hover{color:#fff}.footer-bottom{padding-top:2rem;text-align:center}.footer-bottom p{font-family:Lato,sans-serif;color:#ffffff80;font-size:.85rem}@media(max-width:768px){.footer-content{flex-direction:column;text-align:center}}.modal-overlay{position:fixed;inset:0;background:#0009;-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);display:flex;align-items:center;justify-content:center;z-index:200;padding:1rem;animation:fadeIn .2s ease}@keyframes fadeIn{0%{opacity:0}to{opacity:1}}.modal-content{background:#fff;border-radius:16px;padding:2.5rem;max-width:480px;width:100%;position:relative;animation:slideUp .3s ease}@keyframes slideUp{0%{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}.modal-close{position:absolute;top:1rem;right:1rem;background:none;border:none;cursor:pointer;padding:.5rem;color:#666;transition:color .2s ease}.modal-close:hover{color:#1a1a2e}.modal-close svg{width:24px;height:24px}.modal-content h2{font-family:Montserrat,sans-serif;font-size:1.75rem;font-weight:700;color:#1a1a2e;margin-bottom:.5rem}.modal-content>p{font-family:Lato,sans-serif;color:#666;margin-bottom:2rem}.form-group{margin-bottom:1.25rem}.form-group label{display:block;font-family:Lato,sans-serif;font-size:.9rem;font-weight:600;color:#1a1a2e;margin-bottom:.5rem}.form-group input,.form-group textarea{width:100%;padding:.875rem 1rem;font-family:Lato,sans-serif;font-size:1rem;border:1px solid #e0e0e0;border-radius:8px;transition:border-color .2s ease,box-shadow .2s ease}.form-group input:focus,.form-group textarea:focus{outline:none;border-color:#2563eb;box-shadow:0 0 0 3px #2563eb1a}.form-group input::placeholder,.form-group textarea::placeholder{color:#aaa}.form-group textarea{resize:vertical;min-height:80px}.modal-btn{width:100%;padding:1rem;font-family:Lato,sans-serif;font-size:1rem;font-weight:600;color:#fff;background:#2563eb;border:none;border-radius:8px;cursor:pointer;transition:background .2s ease,transform .2s ease;margin-top:.5rem}.modal-btn:hover{background:#1d4ed8;transform:translateY(-1px)}.modal-success{text-align:center;padding:2rem 0}.success-icon{width:64px;height:64px;background:#ecfdf5;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 1.5rem}.success-icon svg{width:32px;height:32px;color:#10b981}.modal-success h2{margin-bottom:.75rem}.modal-success p{color:#666;margin-bottom:2rem}.app{min-height:100vh}.container{max-width:1200px;margin:0 auto;padding:0 2rem}.section-label{font-family:Montserrat,sans-serif;display:inline-block;font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.1em;color:#2563eb;margin-bottom:1rem}section h2{font-family:Montserrat,sans-serif;font-size:clamp(1.75rem,4vw,2.5rem);font-weight:700;color:#1a1a2e;line-height:1.2;margin-bottom:1rem}.section-intro{font-family:Lato,sans-serif;font-size:1.1rem;color:#666;line-height:1.7;max-width:700px;margin:0 auto 3rem}