:root{
  --navy:#071d33;
  --navy2:#0c2c4b;
  --silver:#d5dbe1;
  --silver2:#eef2f5;
  --orange:#f59e0b;
  --orange2:#ff7a00;
  --green:#159447;
  --ink:#12202e;
  --muted:#607080;
  --bg:#f6f8fa;
  --white:#ffffff;
  --border:#dfe5ea;
  --shadow:0 16px 40px rgba(7,29,51,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.55;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1160px,92%);margin:0 auto}
.topbar{background:var(--navy);color:#fff;font-size:.9rem}
.topbar .container{display:flex;justify-content:space-between;gap:18px;padding:8px 0}
.header{
  position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);
  border-bottom:1px solid var(--border);backdrop-filter:blur(10px)
}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:12px 0}
.brand{display:flex;align-items:center;gap:12px;font-weight:900;color:var(--navy)}
.brand img{width:74px;height:74px;object-fit:contain}
.brand-text{font-size:1.2rem;line-height:1.05}
.brand-text span{color:var(--orange2)}
.navlinks{display:flex;align-items:center;gap:22px;font-weight:700;font-size:.94rem}
.navlinks a:hover{color:var(--orange2)}
.btn,.btn-outline{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:13px 19px;border-radius:10px;font-weight:850;border:2px solid transparent;
  transition:.18s ease;cursor:pointer;font-size:.96rem
}
.btn{background:linear-gradient(135deg,var(--orange),var(--orange2));color:#101820;box-shadow:0 8px 18px rgba(245,158,11,.24)}
.btn:hover{transform:translateY(-1px);filter:saturate(1.05)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}
.btn-outline:hover{background:var(--navy);color:#fff}
.mobile-toggle{display:none;background:none;border:none;font-size:1.6rem;color:var(--navy)}
.hero{
  background:
    radial-gradient(circle at 85% 20%,rgba(245,158,11,.16),transparent 30%),
    linear-gradient(135deg,#f9fbfc 0%,#fff 52%,#f6f9fb 100%);
  padding:74px 0 70px;border-bottom:1px solid var(--border)
}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:58px;align-items:center}
.eyebrow{display:inline-block;font-weight:900;letter-spacing:.08em;text-transform:uppercase;color:var(--orange2);font-size:.82rem;margin-bottom:12px}
.hero h1{font-size:clamp(2.6rem,6vw,5.25rem);line-height:.96;margin:0;color:var(--navy);letter-spacing:-.045em}
.hero h1 .accent{color:var(--orange2)}
.hero p{font-size:1.18rem;color:var(--muted);max-width:720px;margin:22px 0 28px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.hero-logo{
  background:#fff;border:1px solid var(--border);border-radius:28px;padding:26px;
  box-shadow:var(--shadow)
}
.trust-row{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:34px}
.trust{background:#fff;border:1px solid var(--border);border-radius:12px;padding:13px;text-align:center;font-weight:800;color:var(--navy);font-size:.9rem}
.section{padding:72px 0}
.section.alt{background:var(--bg)}
.section-head{max-width:760px;margin-bottom:34px}
.section-head h2{font-size:clamp(2rem,4vw,3.2rem);line-height:1.06;margin:0 0 12px;color:var(--navy);letter-spacing:-.03em}
.section-head p{color:var(--muted);font-size:1.05rem;margin:0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{
  border:1px solid var(--border);border-radius:18px;padding:26px;background:#fff;box-shadow:0 8px 24px rgba(7,29,51,.06)
}
.card .num{font-size:.78rem;font-weight:900;color:var(--orange2);letter-spacing:.1em;text-transform:uppercase}
.card h3{margin:8px 0 9px;color:var(--navy);font-size:1.28rem}
.card p{margin:0;color:var(--muted)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.panel{background:var(--navy);color:#fff;padding:34px;border-radius:20px;box-shadow:var(--shadow)}
.panel h3{font-size:1.55rem;margin:0 0 10px}
.panel p{color:#dbe5ed}
.checklist{list-style:none;padding:0;margin:18px 0 0}
.checklist li{margin:10px 0;padding-left:27px;position:relative}
.checklist li::before{content:"✓";position:absolute;left:0;color:#fff;background:var(--green);border-radius:999px;width:19px;height:19px;display:grid;place-items:center;font-size:.75rem;font-weight:900}
.badge{display:inline-block;background:#e9f7ee;color:#0b6b31;padding:6px 10px;border-radius:999px;font-weight:850;font-size:.82rem}
.cta{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:24px;padding:40px;display:flex;justify-content:space-between;gap:26px;align-items:center}
.cta h2{font-size:2rem;margin:0 0 8px}
.cta p{margin:0;color:#d5e0e8}
.footer{background:#051627;color:#dce6ed;padding:48px 0 28px}
.footer-grid{display:grid;grid-template-columns:1.6fr repeat(3,1fr);gap:30px}
.footer h4{color:#fff;margin:0 0 12px}
.footer a{display:block;margin:8px 0;color:#c7d4de}
.footer a:hover{color:#fff}
.footer .logo{width:150px;background:#fff;border-radius:14px;padding:8px;margin-bottom:14px}
.footer-bottom{margin-top:34px;padding-top:22px;border-top:1px solid #294157;color:#9fb2c1;font-size:.88rem;display:flex;justify-content:space-between;gap:16px}
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:56px 0}
.page-hero h1{font-size:clamp(2.2rem,5vw,4rem);margin:0 0 12px;letter-spacing:-.035em}
.page-hero p{max-width:780px;color:#d8e4ed;font-size:1.1rem}
.form-wrap{display:grid;grid-template-columns:.75fr 1.25fr;gap:30px;align-items:start}
form{
  background:#fff;border:1px solid var(--border);border-radius:20px;padding:28px;box-shadow:var(--shadow)
}
fieldset{border:0;padding:0;margin:0 0 24px}
legend{font-weight:900;color:var(--navy);font-size:1.12rem;margin-bottom:15px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:800;font-size:.9rem;color:var(--navy);margin-bottom:6px}
input,select,textarea{
  width:100%;padding:12px 13px;border:1px solid #cfd8df;border-radius:9px;font:inherit;background:#fff;color:var(--ink)
}
textarea{min-height:125px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(245,158,11,.18);border-color:var(--orange)}
.help{font-size:.82rem;color:var(--muted);margin-top:5px}
.notice{background:#fff7e6;border:1px solid #ffd58d;border-radius:12px;padding:14px;color:#6f4900;font-size:.9rem}
.tool-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.calc{border:1px solid var(--border);border-radius:18px;padding:24px;background:#fff;box-shadow:0 8px 24px rgba(7,29,51,.06)}
.calc h3{margin-top:0;color:var(--navy)}
.result{margin-top:16px;padding:16px;background:#eff7f1;border-radius:12px;border:1px solid #cae6d1;font-weight:850;color:#0e6b31}
.article-list{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.article{border:1px solid var(--border);border-radius:16px;padding:22px}
.article .tag{font-size:.78rem;font-weight:900;color:var(--orange2);text-transform:uppercase;letter-spacing:.08em}
.article h3{color:var(--navy);margin:8px 0}
.small{font-size:.9rem;color:var(--muted)}
.kpi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.kpi{background:#fff;border:1px solid var(--border);border-radius:16px;padding:22px}
.kpi strong{display:block;font-size:1.7rem;color:var(--navy)}
@media(max-width:900px){
  .hero-grid,.split,.form-wrap{grid-template-columns:1fr}
  .cards,.article-list{grid-template-columns:1fr 1fr}
  .tool-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .navlinks{display:none;position:absolute;left:0;right:0;top:99px;background:#fff;padding:18px 4%;border-bottom:1px solid var(--border);flex-direction:column;align-items:flex-start}
  .navlinks.open{display:flex}
  .mobile-toggle{display:block}
  .trust-row{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
  .cards,.article-list,.grid2,.kpi-grid{grid-template-columns:1fr}
  .hero{padding:48px 0}
  .section{padding:52px 0}
  .brand img{width:58px;height:58px}
  .navlinks{top:83px}
  .cta{flex-direction:column;align-items:flex-start}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column}
}