:root{
  --bg:#ffffff;
  --text:#0f172a;
  --muted:#475569;
  --primary:#0b3d91;
  --accent:#ff7a18;
  --card:#f8fafc;
  --border:#e2e8f0;
  --shadow: 0 10px 30px rgba(2,6,23,.08);
  --radius:18px;
  --max:1120px;
  --font: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji","Segoe UI Emoji";
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:var(--font);color:var(--text);background:var(--bg);scroll-behavior:smooth}
a{color:inherit;text-decoration:none}
.container{max-width:var(--max);margin:0 auto;padding:0 18px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  padding:.9rem 1.1rem;border-radius:999px;border:1px solid transparent;
  background:var(--primary);color:#fff;font-weight:600;box-shadow:var(--shadow)}
.btn.secondary{background:#fff;color:var(--primary);border-color:var(--border);box-shadow:none}
.btn.ghost{background:transparent;color:var(--primary);border-color:var(--border)}
.btn:hover{transform:translateY(-1px)}
.badge{display:inline-flex;align-items:center;gap:.4rem;padding:.35rem .65rem;border-radius:999px;background:rgba(11,61,145,.08);color:var(--primary);font-weight:600;font-size:.86rem}
.nav{position:sticky;top:0;background:rgba(255,255,255,.85);backdrop-filter: blur(10px);border-bottom:1px solid var(--border);z-index:50}
.nav-inner{display:flex;align-items:center;justify-content:space-between;padding:12px 0}
.brand{display:flex;align-items:center;gap:.65rem}
.logo{
  width:42px;height:42px;border-radius:12px;
  background:linear-gradient(135deg,var(--primary),#0ea5e9);
  display:grid;place-items:center;color:#fff;font-weight:800;letter-spacing:.5px;
  box-shadow:0 12px 25px rgba(11,61,145,.18)
}
.brand h1{font-size:1.05rem;margin:0;line-height:1.1}
.brand small{display:block;color:var(--muted);font-weight:500}
.nav-links{display:flex;align-items:center;gap:18px}
.nav-links a{color:var(--muted);font-weight:600}
.nav-links a.active,.nav-links a:hover{color:var(--text)}
.nav-cta{display:flex;align-items:center;gap:10px}
.mobile-toggle{display:none;border:1px solid var(--border);background:#fff;border-radius:12px;padding:10px}
.hero{padding:64px 0 28px;background:
radial-gradient(900px 400px at 20% 10%, rgba(11,61,145,.12), transparent 60%),
radial-gradient(700px 350px at 70% 0%, rgba(255,122,24,.18), transparent 60%)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:28px;align-items:center}
h2{font-size:2.4rem;margin:14px 0 12px;letter-spacing:-.02em}
p.lead{font-size:1.1rem;color:var(--muted);line-height:1.6;margin:0 0 20px}
.hero-card{
  background:linear-gradient(180deg, #ffffff, #f8fafc);
  border:1px solid var(--border);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)
}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:18px}
.stat{background:#fff;border:1px solid var(--border);border-radius:14px;padding:12px}
.stat b{font-size:1.15rem}
.section{padding:56px 0}
.section h3{font-size:1.7rem;margin:0 0 10px}
.section p{color:var(--muted);line-height:1.7;margin:0}
.grid{display:grid;gap:14px}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:18px}
.card h4{margin:0 0 8px;font-size:1.1rem}
.card p{margin:0;color:var(--muted);line-height:1.6}
.icon{width:42px;height:42px;border-radius:14px;background:rgba(11,61,145,.08);display:grid;place-items:center;margin-bottom:10px;color:var(--primary);font-weight:900}
.steps{counter-reset:step}
.step{display:flex;gap:14px;align-items:flex-start}
.step:before{counter-increment:step;content:counter(step);width:38px;height:38px;border-radius:14px;display:grid;place-items:center;background:rgba(255,122,24,.16);color:#a34100;font-weight:900}
.quote{background:#0b3d91;color:#fff;border:none}
.quote p{color:rgba(255,255,255,.85)}
.cta{background:linear-gradient(135deg,var(--primary),#0ea5e9);color:#fff;border-radius:28px;padding:26px;border:1px solid rgba(255,255,255,.18);box-shadow:var(--shadow)}
.cta p{color:rgba(255,255,255,.85)}
.footer{padding:34px 0;border-top:1px solid var(--border);color:var(--muted)}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:18px}
.footer a{color:var(--muted)}
.footer a:hover{color:var(--text)}
.kicker{font-weight:700;color:var(--primary)}
.form{display:grid;gap:12px}
.input{display:grid;gap:6px}
.input label{font-weight:700;font-size:.92rem}
.input input,.input select,.input textarea{
  width:100%;padding:12px 12px;border:1px solid var(--border);border-radius:14px;background:#fff;
  font-size:1rem
}
.input textarea{min-height:120px;resize:vertical}
.notice{padding:12px 14px;border-radius:14px;background:rgba(14,165,233,.08);border:1px solid rgba(14,165,233,.25);color:#0c4a6e}
@media (max-width: 920px){
  .hero-grid{grid-template-columns:1fr}
  .grid.cols-3{grid-template-columns:1fr}
  .grid.cols-2{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .nav-links{display:none}
  .mobile-toggle{display:inline-flex}
  .nav-links.mobile{display:flex;flex-direction:column;gap:10px;position:absolute;left:18px;right:18px;top:66px;background:#fff;border:1px solid var(--border);border-radius:18px;padding:14px;box-shadow:var(--shadow)}
}