:root{--ink:#14213D;--soft:#55627A;--line:#DDE3EE;--bg:#fff;--pale:#F4F7FC;--brand:#1F55E0;--brand-h:#1743B8;--gold:#F2B705;--green:#12805C;--navy2:#0D1730}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Plus Jakarta Sans',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit}
img,svg{max-width:100%}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.btn{display:inline-block;padding:12px 22px;border-radius:8px;font-weight:700;font-size:.95rem;text-decoration:none;border:1px solid var(--brand);background:var(--brand);color:#fff;cursor:pointer;font-family:inherit}
.btn:hover{background:var(--brand-h)}
.btn.ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn.ghost:hover{border-color:var(--ink)}
.btn.light{background:#fff;color:var(--ink);border-color:#fff}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px 12px;z-index:50}
header.top{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(6px)}
.top .wrap{display:flex;align-items:center;gap:26px;height:68px;position:relative}
.logo{font-weight:800;font-size:1.1rem;text-decoration:none;letter-spacing:-.01em}
.logo small{display:block;font-size:.68rem;font-weight:600;color:var(--soft);letter-spacing:.08em;text-transform:uppercase;line-height:1}
.top nav{display:flex;gap:6px;margin-left:auto;align-items:center}
.top nav>a,.top nav>.has-mega>button{text-decoration:none;font-size:.9rem;font-weight:600;color:var(--soft);padding:8px 12px;border-radius:8px;background:none;border:0;cursor:pointer;font-family:inherit}
.top nav>a:hover,.top nav>.has-mega>button:hover,.top nav>.has-mega>button[aria-expanded=true]{color:var(--ink);background:var(--pale)}
.top nav>a.btn{color:#fff;padding:9px 18px;margin-left:6px;background:var(--brand)}
.top nav>a.btn:hover{background:var(--brand-h);color:#fff}
.top nav>a.btn.ghost{color:var(--ink);background:transparent}
.has-mega>button:after{content:"▾";margin-left:6px;font-size:.7rem}
.mega{display:none;position:absolute;left:24px;right:24px;top:68px;background:#fff;border:1px solid var(--line);border-radius:0 0 16px 16px;box-shadow:0 30px 60px -30px rgba(20,33,61,.35);padding:28px;grid-template-columns:repeat(4,1fr);gap:28px}
.mega.open{display:grid}
.mega h4{font-size:.72rem;letter-spacing:.09em;text-transform:uppercase;color:var(--brand);margin-bottom:10px}
.mega a{display:block;padding:7px 0;text-decoration:none;font-size:.92rem;font-weight:600;color:var(--ink)}
.mega a small{display:block;font-weight:500;color:var(--soft);font-size:.8rem;line-height:1.35}
.mega a:hover{color:var(--brand)}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit;font-weight:700;cursor:pointer}
@media(max-width:1000px){.menu-btn{display:block}.top nav{display:none;position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 24px 20px;gap:2px;max-height:calc(100vh - 68px);overflow:auto}.top nav.open{display:flex}.top nav>a.btn{margin:8px 0 0;text-align:center}.mega{position:static;border:0;box-shadow:none;padding:4px 0 8px 12px;grid-template-columns:1fr;gap:10px}.top nav>a,.top nav>.has-mega>button{text-align:left;width:100%}}
.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--gold)}
.eyebrow.b{color:var(--brand)}
.hero{background:radial-gradient(1200px 500px at 85% -10%,#2A4C9E 0%,transparent 60%),var(--ink);color:#fff;padding:92px 0 84px}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(2.1rem,4.4vw,3.2rem);line-height:1.08;letter-spacing:-.02em;margin:14px 0 20px;font-weight:800}
.hero p.lead{font-size:1.1rem;color:#C9D3E6;max-width:580px;margin-bottom:30px}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap}
.hero .btn.ghost{color:#fff;border-color:rgba(255,255,255,.35)}
.hero .btn.ghost:hover{border-color:#fff}
.hero.sub{padding:64px 0 60px}
.crumbs{font-size:.82rem;color:#9FB0CE;margin-bottom:6px}.crumbs a{text-decoration:none}.crumbs a:hover{color:#fff}
.panel{background:#fff;color:var(--ink);border-radius:14px;padding:26px;box-shadow:0 30px 60px -30px rgba(0,0,0,.5)}
.panel h2,.panel h3{font-size:.95rem;margin-bottom:12px}
.panel li{list-style:none;display:flex;gap:10px;padding:9px 0;border-top:1px solid var(--line);font-size:.92rem}
.panel li:first-of-type{border-top:0}
.panel li b{color:var(--green)}
@media(max-width:940px){.hero{padding:56px 0}.hero .wrap{grid-template-columns:1fr;gap:36px}}
.dash{background:#fff;color:var(--ink);border-radius:14px;box-shadow:0 40px 70px -30px rgba(0,0,0,.55);overflow:hidden}
.dash .bar{display:flex;gap:6px;align-items:center;padding:10px 14px;background:#EEF2F9;border-bottom:1px solid var(--line)}
.dash .bar i{width:9px;height:9px;border-radius:50%;background:#C6D0E2;display:block}
.dash .bar span{margin-left:10px;font-size:.72rem;color:var(--soft);font-weight:600}
.dash .body{padding:18px}
.dash .kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:14px}
.dash .kpi{border:1px solid var(--line);border-radius:10px;padding:10px 12px}.dash .kpi b{display:block;font-size:1.25rem}.dash .kpi small{color:var(--soft);font-size:.72rem;font-weight:600}
.dash .chart{display:flex;align-items:flex-end;gap:7px;height:96px;padding:8px 2px;border-bottom:1px solid var(--line)}
.dash .chart i{flex:1;background:var(--brand);border-radius:4px 4px 0 0;display:block;opacity:.9}
.dash .chart i:nth-child(odd){opacity:.65}
.dash .rows{margin-top:12px}.dash .rows div{display:flex;justify-content:space-between;font-size:.8rem;padding:6px 0;border-top:1px solid #EEF1F7}
.dash .note{margin-top:10px;font-size:.7rem;color:var(--soft)}
section.s{padding:84px 0}
section.s.pale{background:var(--pale)}
.s h2{font-size:clamp(1.65rem,3.1vw,2.25rem);line-height:1.15;letter-spacing:-.02em;margin:10px 0 14px;font-weight:800}
.s .sub{color:var(--soft);max-width:680px;font-size:1.04rem}
.band{padding:34px 0;border-bottom:1px solid var(--line);background:#fff}
.band .wrap{display:flex;gap:28px;align-items:center;flex-wrap:wrap;justify-content:space-between}
.band p{color:var(--soft);font-size:.9rem;font-weight:600;max-width:380px}
.band .names{display:flex;gap:12px;flex-wrap:wrap}
.band .names span{border:1px solid var(--line);border-radius:10px;padding:10px 18px;font-weight:800;font-size:1rem;color:var(--ink);background:var(--pale)}
.band .names span.ghost{font-weight:600;color:var(--soft);background:#fff;border-style:dashed}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media(max-width:860px){.stats{grid-template-columns:1fr 1fr}}
.stat{border-top:3px solid var(--brand);padding-top:14px}.stat b{display:block;font-size:1.15rem;line-height:1.25;margin-bottom:6px}.stat span{color:var(--soft);font-size:.92rem}
.grid{display:grid;gap:20px;margin-top:40px}
.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}
@media(max-width:900px){.g3{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.g3,.g2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px;display:block;text-decoration:none}
a.card:hover{border-color:var(--brand);box-shadow:0 12px 30px -16px rgba(31,85,224,.35)}
.card h3{font-size:1.08rem;margin:10px 0 8px}
.card p{color:var(--soft);font-size:.94rem}
.card .tag{font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--brand)}
.card .more{display:inline-block;margin-top:14px;font-weight:700;font-size:.9rem;color:var(--brand)}
.group-h{margin-top:44px;font-size:.8rem;letter-spacing:.09em;text-transform:uppercase;color:var(--soft);font-weight:800}
.group-h+.grid{margin-top:14px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split.rev>:first-child{order:2}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:30px}.split.rev>:first-child{order:0}}
.split p{color:var(--soft);margin-top:12px}
.split ul{margin:16px 0 0 18px;color:var(--soft)}.split ul li{margin:6px 0}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:44px}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}@media(max-width:560px){.steps{grid-template-columns:1fr}}
.step{border-top:3px solid var(--ink);padding-top:16px}
.step:before{counter-increment:s;content:"0" counter(s);font-weight:800;color:var(--brand);font-size:.9rem}
.step h3{font-size:1.02rem;margin:6px 0}.step p{color:var(--soft);font-size:.92rem}
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
@media(max-width:860px){.two{grid-template-columns:1fr;gap:28px}}
.two p{color:var(--soft);margin-top:12px}
.checks li{list-style:none;padding:14px 0 14px 34px;border-top:1px solid var(--line);position:relative;font-size:.96rem}
.checks li:before{content:"✓";position:absolute;left:0;top:14px;color:var(--green);font-weight:800}
.checks li b{display:block}.checks li span{color:var(--soft);font-size:.92rem}
details{border-top:1px solid var(--line);padding:18px 0}
details:last-of-type{border-bottom:1px solid var(--line)}
summary{cursor:pointer;font-weight:700;list-style:none}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";float:right;color:var(--brand)}
details[open] summary:after{content:"–"}
details p{color:var(--soft);margin-top:10px;font-size:.96rem}
.cta-band{background:linear-gradient(120deg,var(--brand),#2B3FA8);color:#fff;border-radius:16px;padding:42px;display:flex;justify-content:space-between;gap:24px;align-items:center;flex-wrap:wrap}
.cta-band h2{margin:0;font-size:1.6rem}.cta-band p{color:#DCE5FF;margin-top:6px}
.contact{background:var(--ink);color:#fff}
.contact .wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px}
@media(max-width:860px){.contact .wrap{grid-template-columns:1fr}}
.contact p{color:#C9D3E6}
.contact form{background:#fff;color:var(--ink);border-radius:14px;padding:28px}
.contact label{display:block;font-size:.82rem;font-weight:700;margin:12px 0 5px}
.contact input,.contact select,.contact textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font:inherit;font-size:.95rem}
.contact input:focus,.contact select:focus,.contact textarea:focus{outline:2px solid rgba(31,85,224,.25);border-color:var(--brand)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:560px){.row2{grid-template-columns:1fr}}
.msg{padding:10px 12px;border-radius:8px;font-size:.9rem;margin-top:14px;display:none}
.msg.err{background:#FDECEC;color:#9B1C1C}.msg.ok{background:#E6F6EF;color:#0B5F43}
footer{background:var(--navy2);color:#9FB0CE;padding:56px 0 34px;font-size:.88rem}
footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr 1fr;gap:28px}
@media(max-width:900px){footer .cols{grid-template-columns:1fr 1fr}}
footer h4{color:#fff;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px}
footer a{display:block;color:#C9D3E6;text-decoration:none;padding:4px 0}footer a:hover{color:#fff}
footer .legal{margin-top:34px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
footer .legal a{display:inline;margin-left:18px}