:root{--navy:#102447;--navy2:#1a4280;--red:#d73a37;--bg:#f6f8fc;--text:#1f2937;--muted:#5f6c80;--line:#e5e7eb;--white:#fff;--shadow:0 12px 30px rgba(16,36,71,.08);--radius:18px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}img{max-width:100%;display:block}a{text-decoration:none;color:inherit}.container{width:min(var(--max),calc(100% - 32px));margin:0 auto}
.topbar{background:var(--navy);color:#fff;font-size:14px}.topbar .container{min-height:42px;display:flex;justify-content:center;align-items:center;text-align:center;padding:8px 0}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}.nav{min-height:82px;display:flex;justify-content:space-between;align-items:center;gap:20px}.brand{display:flex;align-items:center;gap:14px}.brand-logo{width:62px;height:62px;border-radius:14px;overflow:hidden;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow)}.brand-name{font-size:20px;font-weight:800;color:var(--navy)}.brand-sub{font-size:13px;color:var(--muted)}nav{display:flex;align-items:center;gap:18px;flex-wrap:wrap}nav a{font-weight:700;color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 22px;border-radius:12px;font-weight:800;border:none;cursor:pointer;box-shadow:var(--shadow)}.btn-primary{background:var(--red);color:#fff}.btn-secondary{background:var(--navy);color:#fff}.btn-light{background:#fff;color:var(--navy);border:1px solid rgba(255,255,255,.2)}
.hero{background:radial-gradient(circle at 12% 18%, rgba(255,255,255,.14), transparent 28%),radial-gradient(circle at 90% 15%, rgba(255,255,255,.08), transparent 25%),linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:86px 0 72px}.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:30px;align-items:center}.eyebrow{display:inline-block;padding:8px 12px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);font-size:13px;font-weight:800;letter-spacing:.3px;text-transform:uppercase;margin-bottom:16px}.hero h1{font-size:52px;line-height:1.06;margin:0 0 16px;letter-spacing:-1px}.hero p{font-size:19px;color:rgba(255,255,255,.92);margin:0 0 22px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.trust{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}.trust span{padding:10px 14px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);font-weight:700;font-size:14px}.hero-card{background:#fff;color:var(--text);padding:28px;border-radius:22px;box-shadow:var(--shadow)}.hero-card h3{margin-top:0;color:var(--navy)}.hero-card ul{margin:0;padding-left:18px}.hero-card li{margin:8px 0}
.section{padding:72px 0}.section-tight{padding:48px 0}.section h2{font-size:38px;line-height:1.08;margin:0 0 14px;color:var(--navy);letter-spacing:-.4px}.lead{font-size:18px;color:var(--muted);max-width:900px;margin:0 0 28px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}.card h3{margin:0 0 8px;color:var(--navy)}.card p{margin:0;color:var(--muted)}.icon{width:48px;height:48px;border-radius:12px;background:#edf2ff;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:900;margin-bottom:12px}
.band{background:#fff;border-block:1px solid var(--line)}.badges{display:flex;gap:12px;flex-wrap:wrap}.badges span{padding:14px 18px;border-radius:999px;background:#fff;border:1px solid var(--line);font-weight:800;color:var(--navy);box-shadow:var(--shadow)}.split{display:grid;grid-template-columns:1.08fr .92fr;gap:26px;align-items:start}.checklist{padding-left:18px;margin:0}.checklist li{margin:9px 0}.cta-panel{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:30px;border-radius:22px;box-shadow:var(--shadow)}.cta-panel h3{margin:0 0 10px;color:#fff}.cta-panel p{color:rgba(255,255,255,.92)}
.brand-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.brand-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;text-align:center;box-shadow:var(--shadow)}.brand-box h3{margin:0;color:var(--navy);font-size:28px}.brand-box p{margin:8px 0 0;color:var(--muted);font-size:14px}.area-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.link-list{display:grid;gap:12px}.link-list a{display:block;background:#fff;border:1px solid var(--line);padding:16px 18px;border-radius:14px;font-weight:800;color:var(--navy);box-shadow:var(--shadow)}
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:62px 0 48px}.page-hero h1{font-size:44px;line-height:1.08;margin:0 0 12px}.page-hero p{font-size:18px;color:rgba(255,255,255,.92);max-width:900px;margin:0}.breadcrumbs{font-size:14px;margin-bottom:14px;color:rgba(255,255,255,.84)}.breadcrumbs a{color:#fff}
.form{display:grid;gap:12px}.form input,.form textarea,.form select{width:100%;padding:14px;border:1px solid var(--line);border-radius:12px;font:inherit;background:#fff}.form textarea{min-height:150px;resize:vertical}.notice{padding:14px 16px;background:#fff8e1;border:1px solid #ffd97d;color:#7a5a00;border-radius:14px}.contact-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow);text-align:center}.contact-box p{margin:10px 0}
.footer{background:#0f172a;color:#e5e7eb;padding:48px 0 24px}.footer-grid{display:grid;grid-template-columns:1.1fr .9fr .9fr;gap:24px}.footer h4{margin:0 0 10px;color:#fff}.footer ul{list-style:none;padding:0;margin:0}.footer li{margin:8px 0}.footer a{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:26px;padding-top:16px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:14px}
@media (max-width:980px){.hero-grid,.grid-3,.grid-2,.split,.brand-grid,.area-grid,.footer-grid{grid-template-columns:1fr}.hero h1{font-size:40px}.page-hero h1{font-size:34px}.nav{flex-direction:column;align-items:flex-start;padding:14px 0}}