:root{
  --blue:#0b4ea2; --blue2:#144f9e; --blue3:#f0f6ff; --dark:#173252; --gold:#f6b31f;
  --text:#203246; --muted:#5e738f; --line:#d9e3f2; --card:#ffffff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#eef4fb;line-height:1.6}
a{text-decoration:none;color:var(--blue)}
img{max-width:100%;display:block;border-radius:18px}
.wrapper{max-width:1180px;margin:0 auto;padding:0 18px}
.topbar{background:linear-gradient(90deg,#0d4ca0,#2b6cc6);color:#fff}
.topbar .wrapper{display:flex;align-items:center;justify-content:space-between;padding:18px}
.brand{font-size:34px;font-weight:800;letter-spacing:.3px;color:#fff}
.brand small{display:block;font-size:14px;font-weight:600;opacity:.9}
.phonebox{display:flex;gap:14px;align-items:center;background:rgba(255,255,255,.13);padding:10px 14px;border-radius:16px}
.phonebox strong{display:block;font-size:20px;color:#fff}
.phonebox span{font-size:12px;opacity:.9}
.nav{background:#083b7a;position:sticky;top:0;z-index:10;box-shadow:0 6px 18px rgba(8,59,122,.22)}
.nav .wrapper{display:flex;flex-wrap:wrap;gap:8px;padding:12px 18px}
.nav a{color:#fff;padding:8px 12px;border-radius:10px;font-weight:700;font-size:15px}
.nav a:hover,.nav a.active{background:rgba(255,255,255,.12)}
.hero{padding:34px 0;background:linear-gradient(180deg,#e8f1ff,#eef4fb)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:center}
.hero-copy h1{font-size:54px;line-height:1.05;margin:0 0 16px;color:#0d356b}
.hero-copy p{font-size:21px;color:#305073;margin:0 0 18px}
.badges{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:22px 0}
.badge{background:#fff;border:1px solid var(--line);border-radius:18px;padding:14px;text-align:center;font-weight:700;color:#204266;min-height:92px;display:flex;align-items:center;justify-content:center}
.btnrow{display:flex;flex-wrap:wrap;gap:14px;margin-top:22px}
.btn{display:inline-block;padding:15px 22px;border-radius:14px;font-weight:800}
.btn-primary{background:linear-gradient(180deg,#ffcc4f,#f2a800);color:#1c2735}
.btn-secondary{background:#fff;border:2px solid #c9d7ea;color:#1c3f72}
.card{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:0 10px 28px rgba(27,60,105,.06)}
.section{padding:28px 0}
.section h2{font-size:40px;line-height:1.1;color:#103d76;margin:0 0 14px}
.section p.lead{font-size:20px;color:#44617e;margin:0 0 16px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.list-check{padding:0;margin:0;list-style:none}
.list-check li{padding-left:28px;position:relative;margin:10px 0}
.list-check li:before{content:"✓";position:absolute;left:0;top:0;color:#0d7a52;font-weight:900}
.info-strip{background:linear-gradient(90deg,#0e4ea5,#2c76d7);color:#fff;padding:20px 0;margin:20px 0}
.info-strip .wrapper{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.info-strip .item{background:rgba(255,255,255,.12);padding:18px;border-radius:18px;font-weight:700}
.article-card{overflow:hidden;padding:0}
.article-card .inner{padding:18px}
.article-card h3{font-size:24px;line-height:1.15;margin:0 0 8px;color:#113c73}
.article-card p{color:#4f647d;margin:0 0 12px}
.mini{font-size:14px;color:#60738d}
.footer{margin-top:42px;background:#0a3872;color:#e9f2ff}
.footer .wrapper{padding:28px 18px}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:20px}
.footer h4{margin:0 0 12px;color:#fff}
.footer a{display:block;color:#dbe7ff;margin:6px 0}
.heroimg{box-shadow:0 18px 46px rgba(23,50,82,.18)}
.meta-note{display:inline-block;background:#d9ebff;border-radius:999px;padding:7px 13px;font-weight:700;color:#1f528f;margin-bottom:10px}
.quote{background:#f9fbff;border-left:4px solid #2c76d7;padding:14px 16px;border-radius:14px}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:16px;overflow:hidden}
th,td{padding:12px;border-bottom:1px solid var(--line);text-align:left}
th{background:#edf4ff;color:#17457f}
.breadcrumbs{font-size:14px;color:#678}
.breadcrumbs a{color:#5679a8}
@media (max-width:980px){
 .hero-grid,.grid-2,.grid-3,.grid-4,.footer-grid,.info-strip .wrapper{grid-template-columns:1fr 1fr}
 .hero-copy h1{font-size:40px}
 .badges{grid-template-columns:1fr 1fr}
}
@media (max-width:680px){
 .hero-grid,.grid-2,.grid-3,.grid-4,.footer-grid,.info-strip .wrapper{grid-template-columns:1fr}
 .topbar .wrapper{display:block}
 .phonebox{margin-top:12px}
 .brand{font-size:28px}
 .hero-copy h1{font-size:34px}
 .section h2{font-size:31px}
}