:root{
  --navy:#0f2348;
  --navy2:#1b407f;
  --red:#d63535;
  --bg:#f5f7fb;
  --text:#1f2937;
  --muted:#5f6b7a;
  --line:#e5e7eb;
  --white:#ffffff;
  --shadow:0 12px 30px rgba(15,35,72,.08);
  --radius:18px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
.container{width:min(var(--max), calc(100% - 32px));margin:0 auto}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}
.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:14px}
.brand-logo{width:62px;height:62px;border-radius:14px;overflow:hidden;border:1px solid var(--line);background:#fff;box-shadow:var(--shadow)}
.brand-name{font-weight:800;font-size:20px;color:var(--navy)}
.brand-sub{font-size:13px;color:var(--muted)}
nav{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
nav a{font-weight:700;color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 22px;border-radius:12px;font-weight:800;border:none;cursor:pointer;box-shadow:var(--shadow)}
.btn-primary{background:var(--navy);color:#fff}
.btn-accent{background:var(--red);color:#fff}
.btn-light{background:#fff;color:var(--navy);border:1px solid rgba(255,255,255,.2)}
.hero{
  background:
    radial-gradient(circle at 12% 18%, rgba(255,255,255,.14), transparent 28%),
    radial-gradient(circle at 88% 14%, rgba(255,255,255,.09), transparent 24%),
    linear-gradient(135deg, var(--navy), var(--navy2));
  color:#fff;
  padding:88px 0 70px;
}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:30px;align-items:center}
.eyebrow{display:inline-block;padding:8px 12px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.3px;margin-bottom:16px}
.hero h1{font-size:54px;line-height:1.05;margin:0 0 16px;letter-spacing:-1px}
.hero p{font-size:19px;color:rgba(255,255,255,.92);margin:0 0 22px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.trust{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
.trust span{padding:10px 14px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);font-weight:700;font-size:14px}
.hero-card{background:#fff;color:var(--text);padding:28px;border-radius:22px;box-shadow:var(--shadow)}
.hero-card h3{margin-top:0;color:var(--navy)}
.hero-card ul{margin:0;padding-left:18px}
.hero-card li{margin:8px 0}
.section{padding:74px 0}
.section-tight{padding:48px 0}
.section h2{font-size:38px;line-height:1.08;margin:0 0 14px;color:var(--navy);letter-spacing:-.4px}
.lead{font-size:18px;color:var(--muted);max-width:880px;margin:0 0 28px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card h3{margin:0 0 8px;color:var(--navy)}
.card p{margin:0;color:var(--muted)}
.icon{width:48px;height:48px;border-radius:12px;background:#edf2ff;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:900;margin-bottom:12px}
.badges{display:flex;gap:12px;flex-wrap:wrap}
.badges span{padding:14px 18px;border-radius:999px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);font-weight:800;color:var(--navy)}
.band{background:#fff;border-block:1px solid var(--line)}
.split{display:grid;grid-template-columns:1.08fr .92fr;gap:26px;align-items:start}
.checklist{padding-left:18px;margin:0}
.checklist li{margin:9px 0}
.cta-panel{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:30px;border-radius:22px;box-shadow:var(--shadow)}
.cta-panel h3{margin:0 0 10px;color:#fff}
.cta-panel p{color:rgba(255,255,255,.92)}
.brand-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.brand-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;text-align:center;box-shadow:var(--shadow)}
.brand-box h3{margin:0;color:var(--navy);font-size:28px}
.brand-box p{margin:8px 0 0;color:var(--muted);font-size:14px}
.area-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.link-list{display:grid;gap:12px}
.link-list a{display:block;background:#fff;border:1px solid var(--line);padding:16px 18px;border-radius:14px;font-weight:800;color:var(--navy);box-shadow:var(--shadow)}
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:62px 0 48px}
.page-hero h1{font-size:46px;line-height:1.08;margin:0 0 12px}
.page-hero p{font-size:18px;color:rgba(255,255,255,.92);max-width:900px;margin:0}
.breadcrumbs{font-size:14px;margin-bottom:14px;color:rgba(255,255,255,.84)}
.breadcrumbs a{color:#fff}
.form{display:grid;gap:12px}
.form input,.form textarea,.form select{width:100%;padding:14px;border:1px solid var(--line);border-radius:12px;font:inherit;background:#fff}
.form textarea{min-height:150px;resize:vertical}
.notice{padding:14px 16px;background:#fff8e1;border:1px solid #ffd97d;color:#7a5a00;border-radius:14px}
.contact-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow);text-align:center}
.contact-box p{margin:10px 0}
.footer{background:#0f172a;color:#e5e7eb;padding:48px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.1fr .9fr .9fr;gap:24px}
.footer h4{margin:0 0 10px;color:#fff}
.footer ul{list-style:none;padding:0;margin:0}
.footer li{margin:8px 0}
.footer a{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:26px;padding-top:16px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:14px}
@media (max-width:980px){
  .hero-grid,.grid-3,.grid-2,.split,.brand-grid,.area-grid,.footer-grid{grid-template-columns:1fr}
  .hero h1{font-size:40px}
  .page-hero h1{font-size:34px}
  .nav{flex-direction:column;align-items:flex-start;padding:14px 0}
}