:root{
  --navy:#0b1f3b;
  --blue:#114b8a;
  --gold:#c8a24a;
  --ink:#0b1220;
  --paper:#ffffff;
  --muted:#667085;
  --bg:#f6f8fb;
  --card:#ffffff;
  --border:rgba(17,75,138,.16);
  --shadow: 0 10px 30px rgba(11,31,59,.10);
  --radius: 18px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial, "Noto Sans", "Helvetica Neue", sans-serif;color:var(--ink);background:var(--bg);line-height:1.55}
a{color:inherit;text-decoration:none}
a:hover{opacity:.92}
img{max-width:100%;height:auto}

.container{max-width:1120px;margin:0 auto;padding:0 20px}
.topbar{background:linear-gradient(90deg, var(--navy), #08152a); color:#fff; border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 0;gap:16px}
.brand{display:flex;align-items:center;gap:12px;min-width:220px}
.logo-badge{width:44px;height:44px;border-radius:14px;background:rgba(200,162,74,.14);display:grid;place-items:center;border:1px solid rgba(200,162,74,.35)}
.logo-badge span{font-weight:900;color:var(--gold);letter-spacing:.02em}
.brand h1{margin:0;font-size:14px;letter-spacing:.18em;text-transform:uppercase}
.brand small{display:block;margin-top:2px;color:rgba(255,255,255,.75);letter-spacing:.06em;text-transform:uppercase;font-size:11px}

.menu{display:flex;gap:14px;flex-wrap:wrap;justify-content:flex-end}
.menu a{padding:8px 10px;border-radius:12px;color:rgba(255,255,255,.92);font-weight:600;font-size:14px}
.menu a.active, .menu a:hover{background:rgba(255,255,255,.10)}

.hero{padding:64px 0 28px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:26px;align-items:center}
@media (max-width: 920px){.hero-grid{grid-template-columns:1fr}.hero{padding-top:44px}}
.kicker{display:inline-flex;gap:10px;align-items:center;background:#fff;border:1px solid var(--border);border-radius:999px;padding:8px 12px;box-shadow:0 4px 14px rgba(11,31,59,.06)}
.kicker i{width:10px;height:10px;border-radius:999px;background:var(--gold);display:inline-block}
.kicker span{color:var(--muted);font-weight:700;font-size:13px}
.hero h2{margin:14px 0 10px;font-size:44px;line-height:1.08;color:var(--navy)}
@media (max-width: 520px){.hero h2{font-size:34px}}
.hero p{margin:0 0 18px;color:var(--muted);font-size:16px;max-width:60ch}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:12px 16px;border-radius:14px;border:1px solid var(--border);background:#fff;font-weight:800}
.btn.primary{background:linear-gradient(90deg,var(--blue),#0d3e76);color:#fff;border-color:rgba(255,255,255,.12)}
.btn.primary:hover{filter:brightness(1.03)}
.btn.ghost{background:transparent}
.btn small{font-weight:800;opacity:.85}

.hero-card{background:linear-gradient(180deg,#ffffff, #fbfcff);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.hero-card .badge{display:inline-flex;align-items:center;gap:8px;background:rgba(17,75,138,.08);border:1px solid rgba(17,75,138,.18);padding:8px 12px;border-radius:999px;color:var(--blue);font-weight:800;font-size:13px}
.hero-card h3{margin:14px 0 8px;color:var(--navy)}
.hero-card ul{margin:0;padding-left:18px;color:var(--muted)}
.hero-card li{margin:7px 0}

.section{padding:26px 0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width: 920px){.cards{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:18px;box-shadow:0 10px 26px rgba(11,31,59,.06)}
.card h4{margin:0 0 6px;color:var(--navy)}
.card p{margin:0;color:var(--muted)}
.pill{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(200,162,74,.35);background:rgba(200,162,74,.12);color:#6b5316;border-radius:999px;padding:7px 10px;font-weight:800;font-size:12px;margin-bottom:10px}

.split{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width: 920px){.split{grid-template-columns:1fr}}
.panel{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:18px}
.panel h4{margin:0 0 8px;color:var(--navy)}
.panel p{margin:0;color:var(--muted)}
.steps{counter-reset:step}
.step{display:flex;gap:12px;padding:14px 0;border-top:1px solid rgba(17,75,138,.10)}
.step:first-child{border-top:0}
.step b{counter-increment:step}
.step b::before{content:counter(step);display:inline-grid;place-items:center;width:30px;height:30px;border-radius:12px;background:rgba(17,75,138,.10);border:1px solid rgba(17,75,138,.18);color:var(--blue);font-weight:900;margin-right:10px}
.step .text{color:var(--muted)}
.step .text strong{color:var(--navy)}

.form{display:grid;gap:12px;margin-top:10px}
.input{display:grid;gap:6px}
label{font-weight:800;color:var(--navy);font-size:13px}
input, textarea{width:100%;padding:12px 12px;border-radius:14px;border:1px solid rgba(17,75,138,.18);outline:none;font-size:15px;background:#fff}
textarea{min-height:120px;resize:vertical}
.note{color:var(--muted);font-size:13px}

.footer{margin-top:28px;background:#071326;color:rgba(255,255,255,.88);border-top:1px solid rgba(255,255,255,.08)}
.footer .inner{padding:22px 0;display:grid;gap:12px}
.footer .links{display:flex;gap:14px;flex-wrap:wrap}
.footer a{color:rgba(255,255,255,.88)}
.footer small{color:rgba(255,255,255,.65)}
.hr{height:1px;background:rgba(17,75,138,.12);margin:14px 0}

.pagehead{padding:34px 0 8px}
.pagehead h2{margin:0;color:var(--navy);font-size:34px}
.pagehead p{margin:8px 0 0;color:var(--muted);max-width:70ch}
.breadcrumb{color:var(--muted);font-weight:800;font-size:13px}
.breadcrumb a{color:var(--blue)}