*{box-sizing:border-box}
:root{--primary:#10233f;--secondary:#e6a11f;--text:#263244;--muted:#637083;--bg:#f5f7fb;--white:#fff;--line:#e3e9f2}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.7}
a{color:inherit}
.container{max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:900px}
.topbar{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--primary)}
.brand-mark{width:44px;height:44px;border-radius:14px;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:900}
.brand strong{display:block;font-size:19px;line-height:1.1}
.brand small{display:block;color:var(--muted);font-size:12px}
.menu{display:flex;gap:18px;align-items:center}
.menu a{text-decoration:none;color:#344155;font-weight:800;font-size:14px}
.menu a:hover{color:var(--secondary)}
.menu-btn{display:none;border:0;background:var(--primary);color:#fff;border-radius:8px;padding:9px 12px;font-size:20px}
.hero{background:linear-gradient(135deg,#10233f 0%,#1c527d 70%,#e6a11f 180%);color:#fff;padding:86px 0}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:36px;align-items:center}
.badge{display:inline-flex;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:7px 12px;font-weight:900;font-size:13px;text-transform:uppercase}
.hero h1{font-size:48px;line-height:1.06;margin:18px 0}
.hero p{font-size:18px;color:#eaf1f8}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:13px 22px;border-radius:10px;text-decoration:none;border:1px solid transparent;font-weight:900;cursor:pointer}
.btn.primary{background:var(--secondary);color:#111827}
.btn.ghost{background:transparent;border-color:rgba(255,255,255,.45);color:#fff}
.hero-card,.contact-card,.side-box{background:#fff;color:var(--text);border-radius:20px;padding:28px;box-shadow:0 18px 48px rgba(0,0,0,.16)}
.hero-card h2,.contact-card h2,.side-box h3{margin-top:0;color:var(--primary)}
.section{padding:72px 0}
.content-grid{display:grid;grid-template-columns:1fr 300px;gap:30px;align-items:start}
.main-content{background:#fff;border:1px solid var(--line);border-radius:20px;padding:34px;box-shadow:0 10px 28px rgba(16,35,63,.06)}
.main-content h2,.legal-content h2{color:var(--primary);margin-top:30px;line-height:1.25}
.main-content h2:first-child,.legal-content h2:first-child{margin-top:0}
.main-content p,.legal-content p{color:#46556a}
.side-box{position:sticky;top:90px}
.side-box a{display:block;text-decoration:none;color:var(--primary);font-weight:800;padding:10px 0;border-bottom:1px solid var(--line)}
.page-hero{background:linear-gradient(135deg,#10233f,#1c527d);color:#fff;padding:58px 0}
.page-hero h1{font-size:40px;margin:0 0 8px}
.faq{display:grid;gap:12px;max-width:900px}
details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px}
summary{font-weight:900;color:var(--primary);cursor:pointer}
details p{color:var(--muted)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.footer{background:#0b1220;color:#fff;padding:48px 0}
.footer-grid{display:grid;grid-template-columns:1.15fr 1fr 1fr 1fr;gap:28px}
.footer h3,.footer h4{margin-top:0}
.footer p,.footer a{color:#cbd5e1;text-decoration:none}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:20px}
.muted{color:#95a3b8!important}
@media(max-width:920px){
.menu-btn{display:block}
.menu{display:none;position:absolute;left:20px;right:20px;top:72px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:15px;box-shadow:0 20px 45px rgba(0,0,0,.12);flex-direction:column;align-items:flex-start}
.menu.open{display:flex}
.hero-grid,.content-grid,.contact-grid{grid-template-columns:1fr}
.side-box{position:static}
.footer-grid{grid-template-columns:1fr}
.hero h1{font-size:34px}
}
@media(max-width:520px){
.brand small{display:none}
.hero{padding:58px 0}
.hero h1{font-size:30px}
.section{padding:54px 0}
.main-content{padding:24px}
}