:root { --ink: #14202e; --muted: #56657a; --line: #e5ebf1; --border: #d3dde6; --bg: #f4f7fa; --card: #ffffff; --navy: #0f2233; --navy-2: #16304a;
  --accent: #008fc8; --primary: #0072a3; --tint: #dff1f9; --tint-text: #00577a; --green: #19b38a; --amber: #f2a93b; --max: 1180px; }
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font: 16px/1.6 "DM Sans", "Segoe UI", system-ui, sans-serif; color: var(--ink); background: var(--bg); -webkit-font-smoothing: antialiased; }
a { color: var(--primary); }
img { max-width: 100%; height: auto; display: block; }
h1, h2, h3 { line-height: 1.2; letter-spacing: -.01em; margin: 0 0 .5em; }
h1 { font-size: clamp(30px, 4.6vw, 52px); font-weight: 700; }
h2 { font-size: clamp(24px, 3vw, 34px); }
h3 { font-size: 18px; }
p { margin: 0 0 1em; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -999px; top: 8px; background: #fff; padding: 8px 12px; border-radius: 6px; }
.skip:focus { left: 8px; z-index: 100; }
.top { background: var(--navy); color: #c3d3e0; position: sticky; top: 0; z-index: 20; }
.top-in { display: flex; align-items: center; gap: 18px; min-height: 64px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: #fff; font-weight: 700; font-size: 17px; text-decoration: none; }
.nav { display: flex; align-items: center; gap: 4px; margin-left: auto; flex-wrap: wrap; }
.nav a { color: #c3d3e0; text-decoration: none; padding: 8px 10px; border-radius: 8px; font-size: 14.5px; }
.nav a:hover, .nav a[aria-current="page"] { background: var(--navy-2); color: #fff; }
.nav .lang { border: 1px solid #1d3a52; margin-left: 6px; font-size: 13px; }
.nav-toggle { display: none; margin-left: auto; font: inherit; background: var(--navy-2); color: #fff; border: 1px solid #1d3a52; border-radius: 8px; padding: 8px 12px; }
.btn { display: inline-block; border-radius: 8px; padding: 9px 16px; text-decoration: none; border: 1px solid transparent; cursor: pointer; font: inherit; font-weight: 700; }
.btn-primary { background: var(--primary); color: #fff !important; }
.btn-primary:hover { background: #005f88; }
.btn-ghost { border-color: #35546d; color: #fff !important; }
.btn-lg { padding: 13px 24px; font-size: 17px; }
.hero { background: linear-gradient(180deg, var(--navy) 0, var(--navy) 55%, var(--bg) 55%); color: #fff; padding: 64px 0 0; }
.hero .eyebrow { color: var(--green); font-weight: 700; letter-spacing: .08em; text-transform: uppercase; font-size: 12px; }
.hero h1 { color: #fff; max-width: 760px; }
.hero .lead { color: #c3d3e0; font-size: 19px; max-width: 680px; }
.hero .actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 22px 0 36px; }
.shot { background: var(--card); border-radius: 14px; box-shadow: 0 24px 60px rgba(15, 34, 51, .25); overflow: hidden; border: 1px solid var(--line); margin: 0; }
.shot img { width: 100%; }
.section { padding: 64px 0; }
.section-alt { background: var(--card); }
.section h2 { max-width: 760px; }
.sub { color: var(--muted); font-size: 17px; max-width: 760px; }
.grid { display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr)); }
.card { background: var(--card); border-radius: 12px; padding: 22px; border: 1px solid var(--line); }
.card h3 { margin-top: 6px; }
.card p { color: var(--muted); margin: 0; font-size: 15px; }
.icon { width: 40px; height: 40px; border-radius: 10px; background: var(--tint); display: grid; place-items: center; color: var(--primary); font-weight: 700; }
.kpis { display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 180px), 1fr)); }
.kpi { background: var(--card); border-radius: 12px; padding: 18px; border: 1px solid var(--line); }
.kpi .l { color: var(--muted); font-size: 13px; }
.kpi .v { font-size: 32px; font-weight: 700; letter-spacing: -.01em; color: var(--primary); }
.kpi .s { font-size: 13px; color: var(--muted); }
.steps { counter-reset: s; display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr)); }
.step { background: var(--card); border-radius: 12px; padding: 22px 22px 22px 64px; position: relative; border: 1px solid var(--line); }
.step p { color: var(--muted); font-size: 15px; margin: 0; }
.step::before { counter-increment: s; content: counter(s); position: absolute; left: 20px; top: 20px; width: 32px; height: 32px; border-radius: 50%; background: var(--primary); color: #fff; display: grid; place-items: center; font-weight: 700; }
.split { display: grid; gap: 32px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 380px), 1fr)); align-items: center; }
.pill { display: inline-block; background: var(--tint); color: var(--tint-text); border-radius: 999px; padding: 3px 12px; font-size: 13px; font-weight: 700; margin-bottom: 10px; }
.check { list-style: none; padding: 0; margin: 0 0 1em; }
.check li { padding-left: 28px; position: relative; margin: 8px 0; }
.check li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 700; }
dl.terms { display: grid; grid-template-columns: minmax(140px, 220px) 1fr; gap: 10px 18px; margin: 0; }
dl.terms dt { font-weight: 700; }
dl.terms dd { margin: 0; color: #2a3a4c; }
table { width: 100%; border-collapse: collapse; background: var(--card); border-radius: 12px; overflow: hidden; font-size: 15px; }
th, td { text-align: left; padding: 10px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: #eef3f7; font-weight: 700; }
.prose { max-width: 760px; }
.prose h2 { margin-top: 1.6em; font-size: 24px; }
.cta { background: var(--navy); color: #fff; padding: 64px 0; text-align: center; }
.cta h2 { color: #fff; margin-left: auto; margin-right: auto; }
.cta p { color: #c3d3e0; max-width: 620px; margin: 0 auto 22px; }
.rel { background: var(--card); border-radius: 12px; padding: 18px 22px; border: 1px solid var(--line); margin-bottom: 14px; }
.rel.cur { border-left: 4px solid var(--accent); }
.rel h3 { display: flex; gap: 10px; align-items: baseline; margin: 0 0 8px; }
.rel time { color: var(--muted); font-size: 13px; font-weight: 400; }
.rel ul { margin: 0; padding-left: 20px; }
.form { display: grid; gap: 14px; max-width: 620px; position: relative; }
.form label { display: grid; gap: 6px; font-weight: 700; font-size: 14px; }
.form input, .form textarea { font: inherit; padding: 10px 12px; border: 1px solid var(--border); border-radius: 8px; background: #fff; }
.form textarea { min-height: 140px; resize: vertical; }
.form .hp { position: absolute; left: -9999px; }
.form .note { color: var(--muted); font-size: 13px; margin: 0; }
.form .msg { padding: 10px 14px; border-radius: 8px; font-size: 14px; margin: 0; }
.form .msg.ok { background: #e6f7f1; color: #0d6b4f; }
.form .msg.err { background: #fdecea; color: #a12c2c; }
.foot { background: var(--navy); color: #c3d3e0; padding: 48px 0 24px; font-size: 14px; }
.foot-in { display: grid; gap: 28px; grid-template-columns: 2fr 1fr 1fr; }
.foot h3 { color: #fff; font-size: 13px; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 10px; }
.foot a { display: block; color: #c3d3e0; text-decoration: none; padding: 3px 0; }
.foot a:hover { color: #fff; }
.foot .brand-foot { margin-bottom: 8px; }
.foot-bottom { border-top: 1px solid #1d3a52; margin-top: 32px; padding-top: 16px; color: #8aa0b4; font-size: 13px; }
@media (max-width: 900px) {
  .nav-toggle { display: inline-block; }
  .nav { display: none; width: 100%; flex-direction: column; align-items: stretch; padding: 8px 0 14px; }
  .nav.open { display: flex; }
  .nav a { padding: 11px 10px; }
  .nav .btn { text-align: center; margin-top: 4px; }
  .top-in { flex-wrap: wrap; }
  .hero { padding-top: 40px; }
  .foot-in { grid-template-columns: 1fr; }
  dl.terms { grid-template-columns: 1fr; }
  dl.terms dd { margin-bottom: 8px; }
}