:root{
  --navy:#0b1b3a;
  --navy2:#08132b;
  --orange:#f97316;
  --bg:#f6f8fc;
  --card:#ffffff;
  --muted:#6b7280;
  --text:#0f172a;
  --border:rgba(15,23,42,.12);
  --shadow:0 10px 30px rgba(2,6,23,.12);
  --radius:16px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,Cantarell,Noto Sans,Arial,sans-serif;color:var(--text);background:var(--bg)}
a{color:inherit;text-decoration:none}
.container{width:min(1160px,92vw);margin:0 auto}
.topbar{background:var(--navy2);color:#e5e7eb;font-size:13px}
.topbar .row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:10px 0}
.topbar .pill{display:inline-flex;align-items:center;gap:8px;padding:6px 10px;border:1px solid rgba(255,255,255,.12);border-radius:999px}
.header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20}
.header .row{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}
.brand{display:flex;align-items:center;gap:12px}
.brand img{height:40px;width:auto;display:block}
.brand .sep{width:1px;height:28px;background:var(--border)}
.nav{display:flex;align-items:center;gap:18px}
.nav a{font-weight:600;color:rgba(15,23,42,.85);padding:10px 8px;border-radius:10px}
.nav a:hover{background:rgba(11,27,58,.06)}
.cta{display:flex;align-items:center;gap:10px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:12px;padding:10px 14px;font-weight:700;border:1px solid transparent;cursor:pointer}
.btn-primary{background:var(--orange);color:#fff;box-shadow:0 10px 20px rgba(249,115,22,.25)}
.btn-primary:hover{filter:brightness(.96)}
.btn-outline{background:#fff;border-color:rgba(11,27,58,.18);color:var(--navy)}
.btn-outline:hover{background:rgba(11,27,58,.04)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy2)}
.mobile-toggle{display:none;border:1px solid var(--border);background:#fff;border-radius:12px;padding:10px}
.mobile-menu{display:none;padding:10px 0 16px;border-top:1px solid var(--border)}
.mobile-menu a{display:block;padding:12px 10px;border-radius:12px;font-weight:700}
.mobile-menu a:hover{background:rgba(11,27,58,.06)}
.hero{background:radial-gradient(1200px 500px at 20% 10%, rgba(249,115,22,.25), transparent 60%), linear-gradient(135deg, var(--navy), var(--navy2));color:#fff}
.hero .grid{display:grid;grid-template-columns:1.3fr .9fr;gap:28px;padding:46px 0}
.badge{display:inline-flex;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.16);font-weight:700;font-size:13px}
.hero h1{font-size:44px;line-height:1.05;margin:14px 0 12px}
.hero p{color:rgba(255,255,255,.88);font-size:16px;line-height:1.6;margin:0 0 18px}
.hero .actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow)}
.card.pad{padding:18px}
.card h3{margin:0 0 10px}
.kpi{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:14px}
.kpi .box{border:1px solid var(--border);border-radius:14px;padding:12px}
.kpi .label{color:var(--muted);font-weight:700;font-size:12px}
.kpi .value{font-size:22px;font-weight:900;margin-top:4px}
.section{padding:46px 0}
.section h2{font-size:30px;margin:0 0 12px}
.section p.lead{color:var(--muted);margin:0 0 22px;line-height:1.7}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.icon{width:42px;height:42px;border-radius:14px;display:inline-flex;align-items:center;justify-content:center;background:rgba(249,115,22,.12);border:1px solid rgba(249,115,22,.25);color:var(--orange);font-weight:900}
.small{font-size:13px;color:var(--muted);line-height:1.6}
.list{display:grid;gap:10px;margin:14px 0 0;padding:0;list-style:none}
.list li{display:flex;gap:10px;align-items:flex-start}
.tick{width:18px;height:18px;border-radius:6px;background:rgba(34,197,94,.15);border:1px solid rgba(34,197,94,.35);display:inline-flex;align-items:center;justify-content:center;color:#16a34a;font-weight:900;flex:0 0 auto;margin-top:2px}
.table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--border);border-radius:14px;overflow:hidden}
.table th,.table td{padding:12px 12px;border-bottom:1px solid var(--border);text-align:left}
.table th{background:rgba(11,27,58,.04);font-size:12px;letter-spacing:.02em;text-transform:uppercase;color:rgba(15,23,42,.7)}
.table tr:last-child td{border-bottom:none}
.notice{background:rgba(11,27,58,.04);border:1px dashed rgba(11,27,58,.25);border-radius:14px;padding:12px;color:rgba(15,23,42,.75)}
.footer{background:#fff;border-top:1px solid var(--border)}
.footer .grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:18px;padding:34px 0}
.footer .muted{color:var(--muted);line-height:1.7}
.footer .links a{display:block;padding:6px 0;color:rgba(15,23,42,.85);font-weight:650}
.footer .links a:hover{color:var(--navy)}
.footer-bottom{border-top:1px solid var(--border);padding:14px 0;color:var(--muted);font-size:13px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.form{display:grid;gap:12px}
.input, select, textarea{width:100%;padding:12px 12px;border-radius:12px;border:1px solid var(--border);background:#fff;font-size:14px;outline:none}
.input:focus, select:focus, textarea:focus{border-color:rgba(249,115,22,.55);box-shadow:0 0 0 4px rgba(249,115,22,.15)}
.help{font-size:12px;color:var(--muted)}
.result-green{background:rgba(34,197,94,.12);border:1px solid rgba(34,197,94,.25);color:#166534;padding:10px 12px;border-radius:12px;font-weight:900;display:inline-flex;gap:8px;align-items:center}
@media (max-width: 920px){
  .hero .grid{grid-template-columns:1fr; padding:34px 0}
  .grid3{grid-template-columns:1fr}
  .grid2{grid-template-columns:1fr}
  .nav{display:none}
  .mobile-toggle{display:inline-flex}
  .brand img{height:36px}
  .hero h1{font-size:36px}
}