:root{
  --primary:#24395d;
  --secondary:#f3efe6;
  --accent:#c5a35d;
  --dark:#182742;
  --text:#1f2937;
  --muted:#5b6472;
  --bg:#ffffff;
  --card:#ffffff;
  --border:#dde3ea;
  --shadow:0 12px 30px rgba(15,23,42,.08);
  --radius:20px;
  --radius-sm:12px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--text);background:var(--bg);line-height:1.65}
img{max-width:100%;height:auto;display:block}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.topbar{background:var(--dark);color:#fff;font-size:.92rem}
.topbar .container{display:flex;justify-content:space-between;gap:18px;padding:10px 20px;align-items:center;flex-wrap:wrap}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}
.navbar{display:flex;justify-content:space-between;align-items:center;padding:16px 0;gap:20px}
.brand{display:flex;align-items:center;gap:14px;font-weight:800;color:var(--dark);font-size:1.1rem}
.brand-mark{width:42px;height:42px;border-radius:14px;background:linear-gradient(135deg,var(--primary),var(--accent));display:grid;place-items:center;color:#fff;font-weight:900;box-shadow:var(--shadow)}
nav ul{display:flex;gap:18px;list-style:none;margin:0;padding:0;align-items:center}
nav a{font-weight:600;color:var(--dark)}
.nav-toggle{display:none;background:var(--secondary);border:1px solid var(--border);padding:10px 12px;border-radius:10px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:999px;font-weight:700;border:1px solid transparent;transition:.2s ease;cursor:pointer}
.btn-primary{background:var(--primary);color:#fff}
.btn-secondary{background:var(--secondary);color:var(--dark);border-color:var(--border)}
.btn-ghost{background:transparent;border-color:var(--border);color:var(--dark)}
.hero{padding:86px 0 54px;background:linear-gradient(180deg,var(--secondary),#fff)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:34px;align-items:center}
.hero h1{font-size:clamp(2.3rem,4vw,4rem);line-height:1.04;margin:0 0 16px;color:var(--dark)}
.hero p.lead{font-size:1.12rem;color:var(--muted);max-width:60ch}
.hero-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:24px}
.kpi{background:#fff;border:1px solid var(--border);padding:18px;border-radius:18px;box-shadow:var(--shadow)}
.kpi strong{display:block;color:var(--dark);font-size:1.3rem}
.section{padding:68px 0}
.section-alt{background:#fafbfd;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.section h2{font-size:clamp(1.7rem,2.8vw,2.6rem);line-height:1.12;color:var(--dark);margin:0 0 14px}
.eyebrow{display:inline-block;margin-bottom:12px;padding:7px 12px;border-radius:999px;background:var(--secondary);color:var(--dark);font-size:.9rem;font-weight:800;letter-spacing:.02em}
.grid-2,.grid-3,.grid-4{display:grid;gap:22px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card h3{margin-top:0;color:var(--dark)}
.feature-list{padding-left:18px}
.feature-list li{margin:8px 0}
.pill-list{display:flex;flex-wrap:wrap;gap:10px;padding:0;margin:18px 0 0;list-style:none}
.pill-list li{padding:9px 12px;background:var(--secondary);border-radius:999px;font-weight:600}
.cta-band{padding:32px;border-radius:var(--radius);background:linear-gradient(135deg,var(--dark),var(--primary));color:#fff;display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center}
.testimonial{font-style:italic;color:var(--muted)}
.footer{background:var(--dark);color:#e8edf3;padding:54px 0 26px;margin-top:36px}
.footer a{color:#fff8}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr .8fr;gap:24px}
.footer h4{margin-top:0;color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.13);margin-top:30px;padding-top:18px;font-size:.94rem;color:#c7d0da}
.badge{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border-radius:999px;background:#fff;border:1px solid var(--border);font-size:.92rem;font-weight:700}
.breadcrumbs{font-size:.95rem;color:var(--muted);margin:18px 0 10px}
.breadcrumbs a{color:var(--muted)}
.page-hero{padding:34px 0 22px;background:linear-gradient(180deg,#fff,var(--secondary))}
.content{max-width:840px}
.table{width:100%;border-collapse:collapse}
.table th,.table td{padding:12px;border-bottom:1px solid var(--border);text-align:left}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
label{font-weight:700;display:block;margin-bottom:8px}
input,select,textarea{width:100%;padding:13px 14px;border:1px solid #cfd8e3;border-radius:12px;font:inherit;background:#fff}
textarea{min-height:140px;resize:vertical}
.notice{padding:16px;border-radius:14px;background:var(--secondary);border:1px solid var(--border)}
.meta{color:var(--muted);font-size:.95rem}
.list-clean{list-style:none;padding:0;margin:0}
.list-clean li{padding:10px 0;border-bottom:1px solid var(--border)}
.article h1{font-size:clamp(2rem,3vw,3rem);line-height:1.1}
.article h2{margin-top:36px}
.article p,.article li{max-width:72ch}
.search-box{display:flex;gap:10px;flex-wrap:wrap}
.search-box input{max-width:360px}
.partner-strip{display:flex;flex-wrap:wrap;gap:14px;margin-top:18px}
.partner-item{background:#fff;border:1px solid var(--border);padding:10px 14px;border-radius:999px;font-weight:700}
.skip-link{position:absolute;left:-9999px;top:auto}
.skip-link:focus{left:10px;top:10px;background:#fff;color:#000;padding:10px;z-index:99}
@media (max-width: 900px){
  .hero-grid,.grid-2,.grid-3,.grid-4,.footer-grid,.cta-band,.form-grid{grid-template-columns:1fr}
  .kpis{grid-template-columns:1fr}
  nav ul{display:none;position:absolute;left:0;right:0;top:74px;background:#fff;padding:18px 20px;border-bottom:1px solid var(--border);flex-direction:column;align-items:flex-start}
  nav ul.open{display:flex}
  .nav-toggle{display:inline-flex}
  .navbar{padding:12px 0}
  .hero{padding-top:58px}
}