*{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#071b31;--navy2:#0d3154;--blue:#166ba7;--gold:#d8ad4c;--cream:#f7f4ed;--light:#f4f7fa;--text:#1d2b38;--muted:#657483;--white:#fff}
html{scroll-behavior:smooth}
body{font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.65;background:#fff}
img{max-width:100%}
.container{width:min(1160px,92%);margin:auto}
.topbar{background:#041321;color:#d9e3ec;font-size:.82rem;padding:8px 0}
.topbar .container{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.site-header{position:sticky;top:0;z-index:20;background:rgba(7,27,49,.98);box-shadow:0 2px 12px rgba(0,0,0,.12)}
.nav-wrap{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo{color:#fff;text-decoration:none;font-weight:900;font-size:1.18rem;line-height:1.15}
.logo span{display:block;color:var(--gold);font-size:.78rem;letter-spacing:1.4px;text-transform:uppercase}
nav{display:flex;gap:21px;align-items:center}
nav a{color:#fff;text-decoration:none;font-size:.92rem;font-weight:700}
nav a:hover,nav a.active{color:var(--gold)}
.lang{background:transparent;border:1px solid var(--gold);color:var(--gold);border-radius:999px;padding:8px 14px;font-weight:800;cursor:pointer}
.hero{position:relative;min-height:690px;display:grid;align-items:center;overflow:hidden;background:linear-gradient(115deg,#06192d 0%,#0c3b64 65%,#1977aa 100%);color:#fff}
.hero:before{content:"";position:absolute;width:560px;height:560px;border:90px solid rgba(216,173,76,.12);border-radius:50%;right:-130px;top:40px}
.hero:after{content:"";position:absolute;inset:0;background:radial-gradient(circle at 72% 35%,rgba(255,255,255,.16),transparent 26%)}
.hero-inner{position:relative;z-index:2;padding:95px 0;max-width:880px}
.kicker{text-transform:uppercase;letter-spacing:2px;font-weight:800;color:var(--gold);font-size:.8rem;margin-bottom:14px}
h1{font-size:clamp(2.8rem,7vw,5.5rem);line-height:1.02;letter-spacing:-2px}
.hero p{font-size:1.16rem;max-width:720px;margin:24px 0 30px;color:#e1eaf1}
.actions{display:flex;gap:13px;flex-wrap:wrap}
.btn{display:inline-block;border-radius:8px;padding:14px 23px;text-decoration:none;font-weight:900;transition:.2s;border:2px solid transparent}
.btn:hover{transform:translateY(-2px)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-outline{border-color:#fff;color:#fff}
.btn-blue{background:var(--blue);color:#fff}
.trust{background:var(--gold);color:var(--navy)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:22px 0}
.trust-item strong{display:block;font-size:.95rem}.trust-item span{font-size:.78rem}
.section{padding:88px 0}
.section-alt{background:var(--light)}
.section-dark{background:var(--navy);color:#fff}
.section-head{max-width:700px;margin-bottom:42px}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
h2{color:var(--navy);font-size:clamp(2rem,4vw,3.2rem);line-height:1.15;margin-bottom:15px}
.section-dark h2{color:#fff}
.lead{color:var(--muted);font-size:1.05rem}
.section-dark .lead{color:#c5d2dd}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid #e0e7ed;border-radius:14px;padding:28px;box-shadow:0 12px 30px rgba(7,27,49,.07)}
.card .icon{width:48px;height:48px;border-radius:12px;display:grid;place-items:center;background:#e9f2f8;color:var(--blue);font-size:1.45rem;font-weight:900;margin-bottom:18px}
.card h3{color:var(--navy);margin-bottom:10px;font-size:1.18rem}
.card p{color:var(--muted);font-size:.93rem}
.card a{display:inline-block;margin-top:15px;color:var(--blue);font-weight:800;text-decoration:none}
.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.feature-panel{background:linear-gradient(145deg,var(--navy),var(--navy2));border-radius:18px;padding:38px;color:#fff;min-height:390px;display:flex;flex-direction:column;justify-content:center}
.feature-panel h3{font-size:2rem;margin-bottom:15px}.feature-panel p{color:#d4dfea}
.checks{list-style:none;margin-top:22px}
.checks li{position:relative;padding-left:29px;margin:12px 0;font-weight:700}
.checks li:before{content:"✓";position:absolute;left:0;color:var(--gold)}
.cta{background:linear-gradient(110deg,#0b3256,#156da4);color:#fff;border-radius:18px;padding:44px;display:flex;justify-content:space-between;align-items:center;gap:35px}
.cta h2{color:#fff;margin-bottom:8px}
.page-hero{background:linear-gradient(115deg,#06192d,#104d79);color:#fff;padding:90px 0}
.page-hero h1{font-size:clamp(2.5rem,6vw,4.6rem)}
.page-hero p{max-width:720px;color:#dce7ef;margin-top:18px;font-size:1.08rem}
.article-list{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.article-card{background:#fff;border:1px solid #e0e7ed;border-radius:14px;overflow:hidden;box-shadow:0 10px 25px rgba(7,27,49,.06)}
.article-top{height:135px;background:linear-gradient(130deg,#0b3153,#1b7fb0);display:flex;align-items:end;padding:20px;color:#fff}
.article-card .body{padding:24px}.article-card h3{color:var(--navy);line-height:1.25;margin-bottom:10px}.article-card p{color:var(--muted);font-size:.92rem}
.article-card a{display:inline-block;margin-top:15px;color:var(--blue);font-weight:800;text-decoration:none}
.article{max-width:820px;margin:auto}
.article h1{color:var(--navy);font-size:clamp(2.3rem,5vw,4rem);line-height:1.13;letter-spacing:-1px}
.article .meta{color:var(--muted);margin:12px 0 32px}
.article h2{font-size:1.75rem;margin-top:36px}
.article p{margin:16px 0}
.notice{background:#fff8e5;border-left:5px solid var(--gold);padding:18px;margin:25px 0}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:50px}
.contact-card{background:var(--navy);color:#fff;border-radius:16px;padding:34px}
.contact-card h3{font-size:1.5rem;margin-bottom:18px}
.contact-link{display:block;color:#fff;text-decoration:none;background:rgba(255,255,255,.08);padding:14px 16px;border-radius:9px;margin:12px 0}
form{background:#fff;border:1px solid #e0e7ed;border-radius:16px;padding:30px;box-shadow:0 10px 28px rgba(7,27,49,.06)}
label{display:block;font-weight:800;margin:13px 0 5px}
input,select,textarea{width:100%;padding:12px;border:1px solid #cdd7df;border-radius:7px;font:inherit}
textarea{min-height:130px;resize:vertical}
footer{background:#041321;color:#b7c5d0;padding:36px 0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:35px}
footer h3{color:#fff;margin-bottom:10px}footer a{color:#dbe6ee;text-decoration:none;display:block;margin:6px 0}
.disclaimer{font-size:.73rem;margin-top:25px;color:#91a3b2}
.mobile-toggle{display:none;background:transparent;border:0;color:#fff;font-size:1.5rem}
@media(max-width:900px){
 .grid,.article-list{grid-template-columns:repeat(2,1fr)}
 .split,.contact-grid{grid-template-columns:1fr}
 .trust-grid{grid-template-columns:repeat(2,1fr)}
 .cta{align-items:flex-start;flex-direction:column}
 .footer-grid{grid-template-columns:1fr 1fr}
 nav{display:none;position:absolute;left:0;right:0;top:76px;background:var(--navy);padding:20px 4%;flex-direction:column;align-items:flex-start}
 nav.open{display:flex}.mobile-toggle{display:block}
}
@media(max-width:600px){
 .grid,.article-list,.trust-grid,.footer-grid{grid-template-columns:1fr}
 .hero{min-height:630px}.hero-inner{padding:75px 0}
 h1{letter-spacing:-1px}
 .section{padding:65px 0}
 .cta{padding:28px}
 .topbar .container{display:block}
}