:root{--navy:#14314c;--navy2:#0f2436;--cu:#c96b2b;--cud:#a5551f;--ink:#1b2733;--mut:#647686;--line:#dde3e9;--paper:#eef1f4;--card:#fff;--ok:#2e7d5b;--amber:#f2b41a}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter","Segoe UI",system-ui,-apple-system,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55;font-size:17px}
a{color:var(--navy);text-decoration:none}a:hover{text-decoration:underline}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.15;margin:0 0 .5em;font-weight:800;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.5vw,3.3rem)}h2{font-size:clamp(1.5rem,3vw,2.2rem);color:var(--navy)}h3{font-size:1.15rem;color:var(--navy)}
p{margin:0 0 1em}.lead{font-size:1.2rem;color:#2c3e50}
.eyebrow{display:inline-block;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--cu);font-weight:700;margin-bottom:.6rem}
/* nav */
.top{position:sticky;top:0;z-index:50;background:rgba(15,36,54,.96);backdrop-filter:blur(6px);color:#fff;border-bottom:2px solid var(--cu)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;font-weight:900;letter-spacing:.06em;font-size:1.15rem;flex-shrink:0}
.brand small{display:block;font-weight:500;letter-spacing:.02em;font-size:.68rem;color:#cfd8e0}
.brand svg{width:36px;height:36px}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap;justify-content:flex-end}
nav a{color:#e8edf2;padding:8px 10px;border-radius:6px;font-size:.92rem;font-weight:600}
nav a:hover,nav a[aria-current]{background:rgba(255,255,255,.1);text-decoration:none;color:#fff}
.btn{display:inline-block;background:var(--cu);color:#fff!important;padding:12px 20px;border-radius:8px;font-weight:700;border:0;cursor:pointer}
.btn:hover{background:var(--cud);text-decoration:none}
.btn.ghost{background:transparent;border:2px solid #fff;color:#fff!important}.btn.ghost:hover{background:rgba(255,255,255,.12)}
.btn.navy{background:var(--navy)}.btn.navy:hover{background:var(--navy2)}
.menu-btn{display:none;background:none;border:2px solid #fff;color:#fff;border-radius:6px;padding:6px 10px;font-weight:700}
@media(max-width:1000px){.menu-btn{display:block}nav{display:none;width:100%}nav.open{display:block}nav ul{flex-direction:column;align-items:stretch;padding-bottom:10px}.top .wrap{flex-wrap:wrap}}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy2) 0%,var(--navy) 60%,#1f4a6e 100%);color:#fff;padding:72px 0 64px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;inset:0;background:repeating-linear-gradient(135deg,transparent 0 38px,rgba(255,255,255,.03) 38px 40px);pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.hero h1{color:#fff}.hero p{color:#dbe4ec;font-size:1.15rem}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.hero .fig{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.15);border-radius:14px;padding:18px}
.hero .fig svg{width:100%;height:auto}
.hero .fig figcaption{font-size:.82rem;color:#c9d4de;margin-top:8px}
@media(max-width:860px){.hero .wrap{grid-template-columns:1fr}}
/* sections */
section{padding:60px 0}section.alt{background:var(--paper)}
.grid{display:grid;gap:22px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.g3,.g2,.g4{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 2px 10px rgba(20,49,76,.05);display:flex;flex-direction:column}
.card h3{margin-top:10px}.card .more{margin-top:auto;font-weight:700;color:var(--cu)}
.card svg.ic{width:44px;height:44px;color:var(--cu)}
.stat{background:var(--navy);color:#fff;border-radius:14px;padding:22px}
.stat b{display:block;font-size:2rem;color:var(--amber);line-height:1}
.stat span{font-size:.9rem;color:#dbe4ec}
.check{list-style:none;padding:0;margin:0}.check li{padding:6px 0 6px 30px;position:relative}
.check li:before{content:"";position:absolute;left:0;top:11px;width:18px;height:18px;border-radius:50%;background:var(--ok);mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path fill='black' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/></svg>") center/contain no-repeat;-webkit-mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path fill='black' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/></svg>") center/contain no-repeat}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;font-size:.95rem}
th,td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:var(--navy);color:#fff;font-weight:700}tr:last-child td{border-bottom:0}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:12px}
.photo{aspect-ratio:4/3;border-radius:12px;background:linear-gradient(160deg,#dfe6ec,#c7d2dc);border:1px dashed #9fb0bf;display:flex;align-items:center;justify-content:center;color:#5a6f82;font-size:.85rem;text-align:center;padding:12px;overflow:hidden}
.photo img{width:100%;height:100%;object-fit:cover}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin-bottom:10px}
.faq summary{font-weight:700;cursor:pointer;color:var(--navy)}
.faq details p{margin:10px 0 0}
.diagram{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px}
.diagram svg{width:100%;height:auto}
.note{font-size:.85rem;color:var(--mut)}
.cta-band{background:linear-gradient(90deg,var(--cu),var(--cud));color:#fff;text-align:center}
.cta-band h2{color:#fff}.cta-band p{color:#fbe9dc;max-width:760px;margin:0 auto 20px}
.crumbs{font-size:.85rem;color:var(--mut);padding:14px 20px 0}
.crumbs a{color:var(--mut)}
/* form */
form{display:grid;gap:12px}form .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:600px){form .row{grid-template-columns:1fr}}
input,select,textarea{width:100%;padding:12px;border:1px solid #b9c5d0;border-radius:8px;font:inherit;background:#fff}
label{font-size:.85rem;font-weight:700;color:var(--navy);display:block;margin-bottom:4px}
/* footer */
footer{background:var(--navy2);color:#c9d4de;padding:44px 0 24px;font-size:.92rem}
footer .grid{gap:30px}footer h4{color:#fff;margin:0 0 10px;font-size:1rem}
footer a{color:#e8edf2}footer ul{list-style:none;margin:0;padding:0}footer li{margin-bottom:6px}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:16px;font-size:.78rem;color:#9fb0bf}
.wa{position:fixed;right:18px;bottom:18px;z-index:60;background:#25d366;color:#fff!important;border-radius:50px;padding:12px 18px;font-weight:800;box-shadow:0 6px 20px rgba(0,0,0,.25);display:flex;align-items:center;gap:8px}
.wa:hover{text-decoration:none;filter:brightness(.95)}
.wa svg{width:22px;height:22px}