:root{
  --bg:#0b1f3a;
  --gold:#caa64b;
  --text:#0f172a;
  --muted:#475569;
  --card:#ffffff;
  --line:#e2e8f0;
  --max:1100px;
  --radius:18px;
  --shadow:0 12px 30px rgba(2,8,23,.10);
  --shadow2:0 8px 18px rgba(2,8,23,.08);
  --focus:0 0 0 3px rgba(202,166,75,.45);
  color-scheme: light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}}
body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,Cantarell,Noto Sans,Helvetica,Arial,sans-serif;line-height:1.6;color:var(--text);background:#f8fafc}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
a:focus{outline:none;box-shadow:var(--focus);border-radius:10px}
.container{max-width:var(--max);margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
.skip:focus{left:18px;top:12px;width:auto;height:auto;padding:10px 12px;background:#fff;border:1px solid var(--line);border-radius:12px;z-index:9999}
.topbar{position:sticky;top:0;z-index:50;background:rgba(248,250,252,.92);backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid rgba(226,232,240,.9)}
.topbar-inner{display:flex;align-items:center;gap:14px;min-height:64px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-mark{width:34px;height:34px;border-radius:12px;background:var(--bg);color:var(--gold);display:grid;place-items:center;font-weight:800}
.logo-text{font-weight:800;letter-spacing:.2px}
.nav{margin-left:auto;display:flex;align-items:center;gap:12px}
.nav a{text-decoration:none;padding:10px 10px;border-radius:12px;color:var(--text);font-weight:650}
.nav a[aria-current="page"]{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow2)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--bg);color:#fff;text-decoration:none;padding:12px 16px;border-radius:14px;font-weight:750;box-shadow:var(--shadow2);border:1px solid rgba(255,255,255,.12)}
.btn:hover{transform:translateY(-1px)}
.btn.small{padding:10px 12px;border-radius:12px}
.btn.outline{background:transparent;color:var(--bg);border:1px solid var(--line)}
.nav-toggle{display:none;margin-left:auto;border:1px solid var(--line);background:#fff;border-radius:12px;padding:10px 12px;font-size:16px}
@media (max-width: 920px){
  .nav{display:none;position:absolute;left:18px;right:18px;top:70px;background:#fff;border:1px solid var(--line);border-radius:16px;flex-direction:column;align-items:stretch;padding:10px;box-shadow:var(--shadow)}
  .nav a{padding:12px 12px}
  .nav-toggle{display:inline-flex}
  .nav.open{display:flex}
}

.hero{padding:56px 0 24px}
.hero-card{display:grid;grid-template-columns: 1.15fr .85fr;gap:18px;align-items:stretch}
@media (max-width: 920px){.hero-card{grid-template-columns:1fr}}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.hero-copy{padding:26px}
.hero h1{margin:0 0 10px;font-size:clamp(28px, 4vw, 44px);line-height:1.15}
.kicker{display:inline-flex;gap:10px;align-items:center;font-weight:800;color:var(--bg)}
.kicker-dot{width:10px;height:10px;border-radius:999px;background:var(--gold)}
.muted{color:var(--muted)}
.cta-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.hero-media{position:relative;min-height:320px}
.hero-media img{width:100%;height:100%;object-fit:cover}
.badge{position:absolute;left:16px;bottom:16px;background:rgba(255,255,255,.92);border:1px solid var(--line);border-radius:14px;padding:10px 12px;box-shadow:var(--shadow2);max-width: 92%}
.grid{display:grid;gap:14px}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
@media (max-width: 920px){.grid.cols-3,.grid.cols-2{grid-template-columns:1fr}}
.section{padding:22px 0}
.section h2{margin:0 0 10px;font-size:clamp(22px, 2.2vw, 30px)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow2);padding:18px}
.card h3{margin:0 0 6px;font-size:18px}
.pill{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 10px;font-weight:700;color:var(--bg)}
.icon{width:40px;height:40px;border-radius:14px;background:rgba(11,31,58,.08);display:grid;place-items:center;font-weight:900;color:var(--bg)}
.list{margin:10px 0 0;padding-left:18px}
.hr{height:1px;background:var(--line);margin:18px 0}
.footer{margin-top:30px;background:#0b1f3a;color:#e5e7eb}
.footer a{color:#fff}
.footer .muted{color:#cbd5e1}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr 1fr;gap:18px;padding:24px 0}
@media (max-width: 920px){.footer-grid{grid-template-columns:1fr}}
.brandline{margin:0 0 6px}
.breadcrumb{padding:14px 0}
.breadcrumb a{text-decoration:none;color:var(--muted)}
.breadcrumb span{color:var(--muted)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:12px 14px;box-shadow:var(--shadow2)}
.faq summary{cursor:pointer;font-weight:800;color:var(--bg)}
.form{display:grid;gap:12px}
.input{width:100%;padding:12px 12px;border:1px solid var(--line);border-radius:14px;font:inherit}
textarea.input{min-height:140px;resize:vertical}
.notice{background:#fff7ed;border:1px solid #fed7aa;padding:12px 14px;border-radius:16px}