:root{
  --blue:#0b3a8f;
  --blue2:#0a2f73;
  --gold:#d4a019;
  --ink:#101828;
  --muted:#667085;
  --bg:#f6f8fb;
  --card:#ffffff;
  --border:#e6eaf2;
  --shadow: 0 10px 30px rgba(16,24,40,.10);
  --radius:16px;
  --max:1100px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.55;
}
a{color:inherit}
img{max-width:100%; height:auto; display:block}

.container{max-width:var(--max); margin:0 auto; padding:0 18px}
.small{font-size:.95rem;color:var(--muted)}
.badge{
  display:inline-flex; gap:8px; align-items:center;
  padding:8px 12px; border-radius:999px;
  background:rgba(11,58,143,.08); color:var(--blue2);
  border:1px solid rgba(11,58,143,.12);
  font-weight:600;
}
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  padding:12px 16px; border-radius:12px;
  text-decoration:none; font-weight:700;
  border:1px solid transparent;
}
.btn.primary{background:var(--blue); color:#fff; box-shadow:var(--shadow)}
.btn.primary:hover{background:var(--blue2)}
.btn.secondary{
  background:#fff; border-color:var(--border);
}
.btn.secondary:hover{border-color:rgba(11,58,143,.35)}
.btn.call{background:var(--gold); color:#111; }
.btn.call:hover{filter:brightness(.95)}

header{
  position:sticky; top:0; z-index:50;
  background:rgba(246,248,251,.92);
  backdrop-filter: blur(10px);
  border-bottom:1px solid var(--border);
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  padding:12px 0;
}
.brand{
  display:flex; align-items:center; gap:12px; text-decoration:none;
  font-weight:900;
}
.brand img{width:44px; height:44px; object-fit:contain}
.brand span{letter-spacing:.5px}
.navlinks{display:flex; gap:14px; align-items:center}
.navlinks a{
  text-decoration:none;
  padding:8px 10px; border-radius:10px;
  color:var(--ink);
  font-weight:650;
}
.navlinks a:hover{background:#fff; border:1px solid var(--border)}
.navcta{display:flex; gap:10px; align-items:center}

.hero{
  padding:44px 0 10px;
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.2fr .8fr;
  gap:18px;
  align-items:stretch;
}
.card{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}
.hero-left{padding:26px}
.hero-right{padding:18px; display:flex; flex-direction:column; gap:12px}
h1{
  margin:10px 0 10px;
  font-size: clamp(2.0rem, 4vw, 3.0rem);
  line-height:1.12;
  letter-spacing:.3px;
}
h2{margin:0 0 10px; font-size:1.35rem}
h3{margin:0 0 8px; font-size:1.1rem}
.lead{font-size:1.1rem; color:var(--muted); margin:10px 0 16px}
.hero-actions{display:flex; flex-wrap:wrap; gap:10px; margin:14px 0 10px}
.kv{
  display:grid; gap:10px;
}
.kv .row{
  display:flex; justify-content:space-between; gap:10px;
  padding:12px 14px;
  border-radius:14px;
  border:1px solid var(--border);
  background:#fff;
}
.kv .row b{color:var(--blue2)}
hr.sep{border:none; border-top:1px solid var(--border); margin:18px 0}

.section{padding:28px 0}
.grid3{
  display:grid; gap:14px;
  grid-template-columns: repeat(3, 1fr);
}
.grid2{
  display:grid; gap:14px;
  grid-template-columns: repeat(2, 1fr);
}
.padded{padding:18px}
.list{margin:0; padding-left:18px}
.list li{margin:6px 0}
.note{
  background:rgba(212,160,25,.12);
  border:1px solid rgba(212,160,25,.30);
  padding:12px 14px;
  border-radius:14px;
}
.footer{
  padding:22px 0;
  border-top:1px solid var(--border);
  color:var(--muted);
}
.footer .cols{
  display:grid; gap:12px;
  grid-template-columns: 2fr 1fr 1fr;
  align-items:start;
}
.footer a{text-decoration:none}
.footer a:hover{text-decoration:underline}

.table{
  width:100%;
  border-collapse:collapse;
  overflow:hidden;
  border-radius:14px;
  border:1px solid var(--border);
  background:#fff;
}
.table th, .table td{
  padding:12px 12px;
  border-bottom:1px solid var(--border);
  vertical-align:top;
}
.table th{background:#f3f6ff; text-align:left; color:var(--blue2)}
.table tr:last-child td{border-bottom:none}

.callout{
  display:flex; flex-direction:column; gap:10px;
  padding:16px;
  border-radius:14px;
  background:linear-gradient(180deg, rgba(11,58,143,.08), rgba(11,58,143,.03));
  border:1px solid rgba(11,58,143,.15);
}
.mini{
  display:flex; gap:10px; align-items:center; flex-wrap:wrap;
}
.mini a{white-space:nowrap}

@media (max-width: 900px){
  .hero-grid{grid-template-columns:1fr}
  .grid3{grid-template-columns:1fr}
  .grid2{grid-template-columns:1fr}
  .footer .cols{grid-template-columns:1fr}
  .navlinks{display:none}
}