:root{
  --navy:#0C2233; --ink:#1B2A36; --blue:#0A8FD8; --blue-dark:#0668A0;
  --red:#DA291C; --paper:#FFFFFF; --mist:#F2F6F9; --line:#D8E2EA;
  --radius:10px; --maxw:1180px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6;font-size:16px}
h1,h2,h3,h4{font-family:'Archivo',sans-serif;line-height:1.15;color:var(--navy)}
a{color:var(--blue-dark);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
section{padding:72px 0}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:'Archivo';font-weight:700;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--blue-dark);margin-bottom:16px}
.eyebrow::before{content:"";width:26px;height:3px;background:var(--red)}
.lead{font-size:1.13rem;color:#41586A;max-width:720px}
h2.sec{font-size:1.9rem;margin-bottom:14px}

header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:12px;font-family:'Archivo';font-weight:800;font-size:1.02rem;color:var(--navy)}
.brand-mark{width:34px;height:34px;border-radius:8px;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:.8rem;font-weight:800;position:relative;flex-shrink:0}
.brand-mark::after{content:"";position:absolute;right:-4px;top:-4px;width:10px;height:10px;background:var(--red);border-radius:3px}
.nav-links{display:flex;gap:22px;align-items:center}
.nav-links a{font-weight:500;font-size:.92rem;color:var(--ink)}
.nav-links a:hover{color:var(--blue-dark);text-decoration:none}
.btn{display:inline-block;background:var(--blue);color:#fff;font-family:'Archivo';font-weight:700;font-size:.95rem;padding:14px 28px;border-radius:99px;transition:background .2s;border:0;cursor:pointer}
.btn:hover{background:var(--blue-dark);text-decoration:none}
.btn.ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.nav .btn{padding:10px 20px;font-size:.85rem}
.burger{display:none;border:0;background:none;font-size:1.6rem;cursor:pointer;color:var(--navy)}

.hero{background:linear-gradient(160deg,var(--navy) 0%,#123A55 60%,#0A5B87 100%);color:#fff;padding:84px 0 70px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(90deg,rgba(255,255,255,.045) 0 1px,transparent 1px 120px);pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero h1{color:#fff;font-size:clamp(1.9rem,4.2vw,2.9rem);font-weight:800;max-width:840px;letter-spacing:-.01em}
.hero h1 em{font-style:normal;color:#7FD0FF}
.hero p{margin:20px 0 30px;font-size:1.1rem;color:#C9DEED;max-width:700px}
.hero .eyebrow{color:#9FCFEF}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero .btn.ghost{color:#fff;border-color:rgba(255,255,255,.6)}
.hero .btn.ghost:hover{background:#fff;color:var(--navy)}
.breadcrumb{font-size:.83rem;color:#8FB3CC;margin-bottom:22px}
.breadcrumb a{color:#AFD3EC}

.hero-img{margin-top:40px;border-radius:var(--radius);overflow:hidden;max-height:340px}
.hero-img img{width:100%;height:340px;object-fit:cover}

.grid{display:grid;gap:26px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;border-top:3px solid var(--blue)}
.card h3{font-size:1.08rem;margin-bottom:10px}
.card p,.card li{font-size:.95rem;color:#41586A}
.card ul{list-style:none;margin-top:12px}
.card li{padding-left:22px;position:relative;margin-bottom:8px}
.card li::before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:700}
.card.swiss{border-top-color:var(--red)}

.mist{background:var(--mist)}
.towns{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.towns span{background:#fff;border:1px solid var(--line);border-radius:99px;padding:8px 18px;font-size:.88rem;font-weight:500;color:var(--navy)}

.cta-band{background:linear-gradient(160deg,var(--navy),#134064);color:#fff;border-radius:var(--radius);padding:44px 40px;display:flex;justify-content:space-between;align-items:center;gap:26px;flex-wrap:wrap}
.cta-band h2{color:#fff;font-size:1.5rem;margin-bottom:8px}
.cta-band p{color:#C9DEED;font-size:.97rem;max-width:560px}
.cta-band .btn{background:#fff;color:var(--navy)}
.cta-band .btn:hover{background:#E8F2FA}

.faq details{border:1px solid var(--line);border-radius:var(--radius);margin-bottom:14px;background:#fff}
.faq summary{cursor:pointer;padding:16px 20px;font-family:'Archivo';font-weight:600;color:var(--navy);list-style:none;position:relative;padding-right:48px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:12px;font-size:1.4rem;color:var(--blue)}
.faq details[open] summary::after{content:"–"}
.faq .answer{padding:0 20px 18px;font-size:.95rem;color:#41586A}

.linkgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:30px}
.linkgrid a{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:14px 18px;font-size:.92rem;font-weight:500;color:var(--navy);transition:border-color .15s}
.linkgrid a:hover{border-color:var(--blue);text-decoration:none;color:var(--blue-dark)}

footer{background:#081826;color:#9FB4C4;padding:52px 0 28px;font-size:.9rem}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:40px;margin-bottom:36px}
footer h4{color:#fff;font-size:.95rem;margin-bottom:14px}
footer a{color:#9FB4C4}
footer a:hover{color:#fff}
footer ul{list-style:none}
footer li{margin-bottom:7px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.82rem;color:#6E8496}

@media (max-width:920px){
  .g3,.g2,.foot-grid{grid-template-columns:1fr}
  .linkgrid{grid-template-columns:1fr 1fr}
  .nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;padding:22px;border-bottom:1px solid var(--line);gap:16px}
  .nav-links.open{display:flex}
  .burger{display:block}
  section{padding:56px 0}
  .cta-band{flex-direction:column;align-items:flex-start}
}