:root{
  --navy:#071a33;
  --navy-2:#0b2a4a;
  --teal:#10b6b0;
  --bg:#f4f7fb;
  --text:#111827;
  --muted:#5b6472;
  --card:#ffffff;
  --border:#e7ecf3;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:Segoe UI, system-ui, -apple-system, Arial, sans-serif;background:var(--bg);color:var(--text);line-height:1.55}
a{color:inherit}
.container{max-width:1100px;margin:0 auto;padding:0 20px}
.topbar{background:var(--navy);color:#fff}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{width:44px;height:44px;object-fit:contain;border-radius:10px;background:rgba(255,255,255,.08);padding:6px}
.brand-title{display:flex;flex-direction:column}
.brand-title strong{font-size:14px;letter-spacing:.4px}
.brand-title span{font-size:12px;opacity:.85}
.nav{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.nav a{color:#fff;text-decoration:none;font-size:14px;opacity:.9}
.nav a:hover{opacity:1;text-decoration:underline}
.hero{background:linear-gradient(180deg,var(--navy),#061126);color:#fff;padding:56px 0 34px}
.hero h1{margin:0 0 10px;font-size:40px;line-height:1.1}
.hero p{margin:0 0 18px;max-width:820px;color:rgba(255,255,255,.85)}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin:12px 0 18px}
.badge{background:rgba(16,182,176,.18);border:1px solid rgba(16,182,176,.35);color:#d9fffd;padding:6px 12px;border-radius:999px;font-size:13px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.btn{display:inline-block;background:var(--teal);color:#06201f;padding:11px 16px;border-radius:12px;text-decoration:none;font-weight:700}
.btn:hover{filter:brightness(.95)}
.btn.secondary{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.25);font-weight:600}
.btn.secondary:hover{border-color:rgba(255,255,255,.45)}
.section{padding:34px 0}
.grid{display:grid;grid-template-columns:repeat(12,1fr);gap:16px}
.card{background:var(--card);border:1px solid var(--border);border-radius:18px;padding:18px;box-shadow:0 8px 26px rgba(15,23,42,.05)}
.card h2,.card h3{margin:0 0 10px}
.card p{margin:0 0 10px;color:var(--muted)}
ul{margin:10px 0 0 18px;color:var(--muted)}
.kpi{display:flex;flex-wrap:wrap;gap:10px;margin-top:12px}
.kpi span{background:#eef7ff;border:1px solid #d6e9ff;color:#0b2a4a;border-radius:999px;padding:6px 10px;font-size:13px}
.split{display:grid;grid-template-columns:1.4fr .9fr;gap:16px}
@media (max-width:900px){.split{grid-template-columns:1fr}.hero h1{font-size:34px}}
.footer{padding:28px 0 40px;color:var(--muted)}
.footer a{color:var(--muted)}
.footer .footgrid{display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;align-items:center}
.small{font-size:13px}
hr.sep{border:none;border-top:1px solid var(--border);margin:18px 0}
.notice{background:#fff8e8;border:1px solid #ffe2aa;color:#6b4a0a;padding:12px 14px;border-radius:14px}