:root{
  --navy:#0F2A44;
  --teal:#1BA6A6;
  --green:#6BCF9B;
  --gray:#6B7280;
  --bg:#F7FAFC;
  --white:#ffffff;
  --maxw:1120px;
  --radius:16px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:#111827;background:var(--bg)}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto;display:block}
.container{max-width:var(--maxw);margin:0 auto;padding:0 18px}
.navbar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,0.92);backdrop-filter:blur(10px);border-bottom:1px solid rgba(15,42,68,0.08)}
.navbar .row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:12px 0}
.brand{display:flex;align-items:center;gap:10px}
.mark{width:36px;height:36px;display:grid;place-items:center;border-radius:12px;background:linear-gradient(135deg, rgba(27,166,166,0.14), rgba(107,207,155,0.14));border:1px solid rgba(15,42,68,0.10)}
.brand h1{font-size:18px;margin:0;letter-spacing:0.08em;color:var(--navy)}
.brand span{display:block;font-size:12px;color:var(--gray);letter-spacing:0}
.menu{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.menu a{font-size:14px;color:#0b1220;padding:8px 10px;border-radius:10px}
.menu a:hover{background:rgba(15,42,68,0.06)}
.cta{display:flex;gap:10px;align-items:center}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:10px 14px;border-radius:12px;font-weight:600;font-size:14px;border:1px solid transparent;cursor:pointer}
.btn.primary{background:var(--navy);color:var(--white)}
.btn.primary:hover{opacity:0.95}
.btn.outline{background:transparent;color:var(--navy);border-color:rgba(15,42,68,0.22)}
.btn.outline:hover{background:rgba(15,42,68,0.06)}

.mobileToggle{display:none}
@media (max-width: 900px){
  .menu{display:none}
  .mobileToggle{display:inline-flex}
}

.hero{padding:54px 0 26px}
.heroGrid{display:grid;grid-template-columns:1.2fr 0.8fr;gap:24px;align-items:center}
@media (max-width: 900px){
  .heroGrid{grid-template-columns:1fr}
}
.kicker{display:inline-flex;align-items:center;gap:10px;padding:8px 12px;border-radius:999px;background:rgba(27,166,166,0.10);border:1px solid rgba(27,166,166,0.25);color:var(--navy);font-weight:700;font-size:12px;letter-spacing:0.08em;text-transform:uppercase}
.kickerDot{width:8px;height:8px;border-radius:99px;background:var(--teal)}
.hero h2{margin:14px 0 10px;font-size:40px;line-height:1.12;color:var(--navy)}
.hero p{margin:0 0 18px;font-size:16px;line-height:1.65;color:#1f2937;max-width:62ch}
.heroCard{background:var(--white);border:1px solid rgba(15,42,68,0.10);border-radius:var(--radius);padding:18px;box-shadow:0 10px 24px rgba(15,42,68,0.08);position:relative;overflow:hidden}
.pattern{position:absolute;inset:-40px -40px auto auto;width:220px;height:220px;opacity:0.14;background-image:radial-gradient(circle at 10px 10px, rgba(15,42,68,0.45) 2px, transparent 2px);background-size:22px 22px;transform:rotate(8deg)}
.statGrid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:14px}
@media (max-width: 520px){
  .statGrid{grid-template-columns:1fr}
}
.stat{padding:12px;border-radius:14px;background:rgba(15,42,68,0.04);border:1px solid rgba(15,42,68,0.08)}
.stat b{display:block;font-size:18px;color:var(--navy)}
.stat small{color:var(--gray)}

.section{padding:28px 0}
.section h3{margin:0 0 10px;font-size:26px;color:var(--navy)}
.section p.lead{margin:0 0 18px;color:#1f2937;line-height:1.65;max-width:78ch}

.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media (max-width: 980px){
  .cards{grid-template-columns:repeat(2,1fr)}
}
@media (max-width: 520px){
  .cards{grid-template-columns:1fr}
}
.card{background:var(--white);border:1px solid rgba(15,42,68,0.10);border-radius:var(--radius);padding:16px;min-height:160px}
.badge{display:inline-flex;align-items:center;gap:8px;padding:6px 10px;border-radius:999px;background:rgba(107,207,155,0.16);border:1px solid rgba(107,207,155,0.35);color:var(--navy);font-weight:800;font-size:12px;letter-spacing:0.06em;text-transform:uppercase}
.icon{width:30px;height:30px;border-radius:12px;display:grid;place-items:center;background:rgba(27,166,166,0.12);border:1px solid rgba(27,166,166,0.25);margin:12px 0 10px}
.card h4{margin:0 0 8px;color:#0b1220}
.card p{margin:0;color:#374151;line-height:1.55;font-size:14px}

.split{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width: 900px){
  .split{grid-template-columns:1fr}
}
.panel{background:var(--white);border:1px solid rgba(15,42,68,0.10);border-radius:var(--radius);padding:18px}
.panel h4{margin:0 0 10px;color:var(--navy)}
.list{margin:0;padding-left:18px;color:#374151;line-height:1.7}
.list li{margin:6px 0}

.footer{margin-top:28px;padding:22px 0;background:var(--white);border-top:1px solid rgba(15,42,68,0.08)}
.footerGrid{display:grid;grid-template-columns:1.2fr 0.8fr;gap:16px}
@media (max-width: 900px){
  .footerGrid{grid-template-columns:1fr}
}
.footer small{color:var(--gray)}
.footer a{color:var(--navy)}
.kv{display:grid;grid-template-columns:120px 1fr;gap:10px;margin-top:10px}
.kv div{padding:10px 12px;border-radius:12px;background:rgba(15,42,68,0.04);border:1px solid rgba(15,42,68,0.08)}
.kv b{display:block;color:#0b1220}
.kv span{color:var(--gray);font-size:13px}

.notice{padding:12px 14px;border-radius:14px;background:rgba(27,166,166,0.10);border:1px solid rgba(27,166,166,0.25);color:#0b1220;line-height:1.6}
.form{display:grid;gap:10px}
.field{display:grid;gap:6px}
.field label{font-weight:700;font-size:13px;color:#0b1220}
.field input,.field textarea, .field select{padding:12px 12px;border-radius:12px;border:1px solid rgba(15,42,68,0.18);background:#fff;font-size:14px}
.field textarea{min-height:120px;resize:vertical}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media (max-width: 620px){
  .row2{grid-template-columns:1fr}
}