:root{
  --primary:#0B3D91;
  --primary-dark:#082c6b;
  --accent:#F37021;
  --accent-dark:#d85f18;
  --bg:#ffffff;
  --bg-light:#f5f7fb;
  --text:#1c1c1c;
  --muted:#6b7280;
  --line:#e5e7eb;
  --shadow: 0 10px 30px rgba(0,0,0,.08);
  --radius: 18px;
}

*{ box-sizing:border-box; }
html,body{
  margin:0; padding:0;
  font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial;
  color:var(--text);
  background:var(--bg);
}
a{ color:inherit; text-decoration:none; }
.container{ width:min(1100px, 92vw); margin:0 auto; }

.muted{ color:var(--muted); }
hr{ border:0; border-top:1px solid var(--line); margin:18px 0; }

/* Header */
.header{ position:sticky; top:0; z-index:10; background:var(--primary); }
.header-inner{
  display:flex; align-items:center; justify-content:space-between;
  gap:14px; padding:14px 0;
}
.brand{ display:flex; align-items:center; gap:10px; font-weight:800; color:#fff; }
.brand-mark{
  width:40px; height:40px; border-radius:12px; display:grid; place-items:center;
  background:rgba(255,255,255,.18); color:#fff; letter-spacing:.5px;
}
.nav{ display:flex; gap:16px; align-items:center; }
.nav a{ color:#fff; opacity:.9; font-weight:700; }
.nav a:hover{ opacity:1; text-decoration:underline; }
.header-actions{ display:flex; gap:10px; align-items:center; }

/* Buttons */
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  padding:12px 16px; border-radius:14px; font-weight:800;
  cursor:pointer; transition:.2s ease; border:1px solid transparent;
}
.btn-primary{ background:var(--accent); color:#fff; }
.btn-primary:hover{ background:var(--accent-dark); transform:translateY(-1px); }
.btn-outline{ background:transparent; border:1px solid rgba(255,255,255,.35); color:#fff; }
.btn-outline:hover{ background:rgba(255,255,255,.12); }
.btn-light{
  background:#fff; color:var(--primary);
  border:1px solid rgba(255,255,255,.65);
}
.btn-light:hover{ filter:brightness(.98); }
.full{ width:100%; }

/* Hero */
.hero{
  padding:60px 0;
  background:linear-gradient(135deg,var(--primary),var(--primary-dark));
  color:#fff;
}
.hero-inner{
  display:grid; grid-template-columns: 1.2fr .8fr;
  gap:24px; align-items:start;
}
.hero h1{ margin:0 0 12px; font-size:clamp(28px, 4vw, 44px); line-height:1.1; }
.hero p{ margin:0 0 18px; max-width:60ch; color:#e0e7ff; line-height:1.6; }
.hero-actions{ display:flex; gap:12px; flex-wrap:wrap; margin:14px 0 16px; }
.badges{ display:flex; gap:10px; flex-wrap:wrap; }
.badge{
  padding:8px 12px; border-radius:999px; font-weight:800;
  background:rgba(255,255,255,.14); border:1px solid rgba(255,255,255,.18);
}
.card{
  background:#fff; border:1px solid var(--line);
  border-radius:var(--radius); box-shadow:var(--shadow);
  padding:18px;
}
.hero-card{ color:var(--text); }

/* Sections */
.section{ padding:60px 0; }
.section.alt{ background:var(--bg-light); border-top:1px solid var(--line); border-bottom:1px solid var(--line); }
.section-head{ margin-bottom:20px; }
.section-head h2{ margin:0 0 6px; font-size:28px; }
.section-head p{ margin:0; color:var(--muted); }

.grid3{ display:grid; grid-template-columns: repeat(3, 1fr); gap:16px; }
.grid2{ display:grid; grid-template-columns: repeat(2, 1fr); gap:16px; }

.card h3{ margin:0 0 8px; }
.card p{ margin:0; color:var(--muted); line-height:1.6; }

.split{ display:grid; grid-template-columns: 1.1fr .9fr; gap:18px; align-items:start; }

.list{ margin:14px 0 0; padding-left:18px; }
.list li{ margin:8px 0; }

.kv{
  display:grid; grid-template-columns: 1fr 1fr;
  gap:10px; margin-top:8px;
}
.kv span{ color:var(--muted); }
.kv strong{ color:var(--text); }

/* CTA band */
.cta{
  padding:40px 0;
  background:linear-gradient(135deg, rgba(243,112,33,.14), rgba(11,61,145,.10));
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
}
.cta-inner{ display:flex; align-items:center; justify-content:space-between; gap:16px; flex-wrap:wrap; }
.cta h2{ margin:0 0 6px; }
.cta p{ margin:0; color:var(--muted); }

/* Forms */
form label{ display:block; font-weight:800; margin-bottom:12px; }
input,textarea,select{
  width:100%; margin-top:6px; padding:12px 12px;
  border-radius:14px; border:1px solid var(--line); outline:none; font:inherit;
}
input:focus,textarea:focus,select:focus{
  border-color:rgba(11,61,145,.5);
  box-shadow:0 0 0 4px rgba(11,61,145,.12);
}
.form-note{ margin:10px 0 0; color:var(--muted); font-size:13px; }

/* Footer */
.footer{ background:var(--primary-dark); color:#fff; padding:18px 0; }
.footer-inner{
  display:flex; align-items:center; justify-content:space-between;
  gap:16px; flex-wrap:wrap;
}
.footer a{ color:#fff; opacity:.9; font-weight:800; }
.footer a:hover{ opacity:1; text-decoration:underline; }

/* Responsive */
@media (max-width: 900px){
  .hero-inner{ grid-template-columns:1fr; }
  .grid3{ grid-template-columns:1fr; }
  .grid2{ grid-template-columns:1fr; }
  .split{ grid-template-columns:1fr; }
}