:root{
  --navy:#0b1f3a;
  --blue:#154c79;
  --gold:#c99a2e;
  --light:#f5f7fa;
  --white:#ffffff;
  --ink:#17202a;
  --muted:#5e6a77;
  --line:#dce2e8;
  --success:#1e6b4f;
  --danger:#8a2d2d;
  --max:1180px;
  --radius:18px;
  --shadow:0 14px 35px rgba(11,31,58,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--white);line-height:1.6}
a{color:inherit}
img{max-width:100%}
.container{width:min(var(--max),92%);margin:auto}
.topbar{background:var(--navy);color:#fff;font-size:.9rem}
.topbar .container{display:flex;justify-content:space-between;gap:18px;padding:8px 0;align-items:center}
.topbar a{color:#fff;text-decoration:none}
header{background:#fff;position:sticky;top:0;z-index:30;border-bottom:1px solid var(--line)}
.brand-row{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:18px 0 13px}
.brand{font-weight:800;color:var(--navy);font-size:1.3rem;line-height:1.15;text-decoration:none}
.brand small{display:block;color:var(--muted);font-size:.72rem;font-weight:600;margin-top:5px}
.lang{display:flex;gap:8px;align-items:center}
.lang a{font-size:.9rem;text-decoration:none;padding:7px 10px;border:1px solid var(--line);border-radius:999px}
.nav-row{border-top:1px solid var(--line)}
nav{display:flex;align-items:center;justify-content:center;gap:4px;flex-wrap:wrap;padding:7px 0}
nav a{padding:9px 11px;text-decoration:none;color:var(--navy);font-weight:700;font-size:.91rem;border-radius:9px}
nav a:hover,nav a.active{background:var(--light)}
.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:9px 12px;font-weight:700}
.hero{background:linear-gradient(135deg,#081a31,#154c79);color:#fff;padding:72px 0}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:44px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.11em;font-weight:800;font-size:.8rem;color:#ecd79b}
.hero h1{font-size:clamp(2.4rem,5.5vw,5.3rem);line-height:.95;margin:.15em 0 .25em;letter-spacing:-.04em}
.hero h2{font-size:clamp(1.35rem,2.7vw,2.2rem);margin:.1em 0 .8em;font-weight:700}
.hero p{font-size:1.08rem;max-width:740px;color:#e8eef5}
.hero-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.hero-card h3{color:var(--navy);margin-top:0}
.kpi{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:20px 0}
.kpi div{background:var(--light);padding:16px;border-radius:14px}
.kpi strong{font-size:1.65rem;color:var(--navy);display:block}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.btn{display:inline-block;text-decoration:none;font-weight:800;border-radius:999px;padding:13px 20px;border:2px solid transparent;cursor:pointer}
.btn-primary{background:var(--gold);color:#17202a}
.btn-secondary{background:#fff;color:var(--navy);border-color:#fff}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}
.btn-dark{background:var(--navy);color:#fff}
.section{padding:70px 0}
.section.alt{background:var(--light)}
.section h2{font-size:clamp(1.8rem,3vw,2.75rem);color:var(--navy);margin:.1em 0 .35em}
.lead{color:var(--muted);font-size:1.08rem;max-width:830px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:32px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:32px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 7px 22px rgba(11,31,58,.05)}
.card h3{color:var(--navy);margin:.1em 0 .5em}
.badge{display:inline-block;padding:6px 10px;border-radius:999px;background:#e9eef5;color:var(--navy);font-size:.78rem;font-weight:800}
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:32px}
.step{background:#fff;border:1px solid var(--line);padding:23px;border-radius:var(--radius)}
.step:before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--gold);font-weight:900;margin-bottom:12px}
.callout{background:var(--navy);color:#fff;border-radius:24px;padding:38px;margin-top:34px}
.callout h2,.callout h3{color:#fff}
.small{font-size:.86rem;color:var(--muted)}
.callout .small{color:#d9e2ec}
.notice{border-left:5px solid var(--gold);padding:16px 18px;background:#fff8e8;border-radius:10px;margin:20px 0}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:16px}
table{width:100%;border-collapse:collapse;min-width:680px}
th,td{text-align:left;padding:14px;border-bottom:1px solid var(--line)}
th{background:var(--navy);color:#fff}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{display:block;font-weight:700;color:var(--navy);font-size:.92rem}
input,select,textarea{width:100%;padding:12px;border:1px solid #bcc8d3;border-radius:10px;margin-top:5px;font:inherit;background:#fff}
textarea{min-height:120px}
.result{background:var(--navy);color:#fff;border-radius:18px;padding:24px}
.result .number{font-size:2rem;font-weight:900;color:#f2ce70}
.faq details{border:1px solid var(--line);border-radius:12px;padding:16px 18px;background:#fff;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}
footer{background:#081a31;color:#dce5ee;padding:50px 0 26px}
footer h3{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:30px}
footer a{color:#fff}
.footer-bottom{border-top:1px solid #29415e;margin-top:32px;padding-top:18px;font-size:.84rem;color:#b8c6d5}
.page-hero{background:var(--navy);color:#fff;padding:52px 0}
.page-hero h1{font-size:clamp(2rem,4vw,3.8rem);margin:.1em 0}
.page-hero p{max-width:850px;color:#dce5ee}
.checklist{padding-left:0;list-style:none}
.checklist li{margin:9px 0;padding-left:28px;position:relative}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--success);font-weight:900}
.center{text-align:center}
.article-card{display:flex;flex-direction:column;justify-content:space-between}
@media(max-width:900px){
  .hero-grid,.grid-3,.grid-2,.steps,.calc,.footer-grid{grid-template-columns:1fr}
  .hero{padding:52px 0}
  .brand-row{padding:12px 0}
  .menu-btn{display:block}
  .nav-row{display:none}
  .nav-row.open{display:block}
  nav{align-items:stretch;flex-direction:column;padding:10px 0}
  nav a{display:block}
  .form-grid{grid-template-columns:1fr}
  .topbar .container{flex-direction:column;align-items:flex-start;gap:2px}
}