:root{
  --brand:#0f3b68;
  --brand-2:#124d88;
  --accent:#18a0b6;
  --ink:#16324a;
  --muted:#6a7a89;
  --bg:#f4f8fb;
  --card:#ffffff;
  --line:#d7e2ec;
  --radius:20px;
  --shadow:0 10px 30px rgba(15,59,104,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:linear-gradient(180deg,#fff 0,var(--bg) 100%)}
a{color:var(--brand-2);text-decoration:none}
.container{max-width:1160px;margin:0 auto;padding:0 24px}
.topbar{background:var(--brand);color:#fff;font-size:14px}
.topbar .container{display:flex;justify-content:space-between;gap:16px;padding:10px 24px;flex-wrap:wrap}
.header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.header .container{display:flex;align-items:center;justify-content:space-between;padding:18px 24px}
.brand{font-weight:700;font-size:28px;letter-spacing:.3px;color:var(--brand)}
.brand span{color:var(--accent)}
.nav{display:flex;gap:22px;flex-wrap:wrap}
.btn,.btn-outline{display:inline-flex;align-items:center;justify-content:center;padding:14px 20px;border-radius:999px;font-weight:700}
.btn{background:var(--brand);color:#fff;box-shadow:var(--shadow)}
.btn-outline{border:1px solid var(--line);color:var(--brand);background:#fff}
.hero{padding:74px 0 40px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:center}
.badge{display:inline-block;padding:8px 14px;border-radius:999px;background:#e9f5f7;color:var(--brand-2);font-weight:700;font-size:13px}
h1{font-size:46px;line-height:1.08;margin:18px 0;color:var(--brand)}
.lead{font-size:20px;line-height:1.55;color:#44596d;max-width:760px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.hero-card{padding:26px}
.hero-card ul{padding-left:18px;margin:0}
.hero-card li{margin:10px 0;color:#395166}
.section{padding:34px 0}
.section h2{font-size:34px;color:var(--brand);margin:0 0 14px}
.section p{color:#44596d;line-height:1.75}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.feature{padding:22px}
.feature h3{margin:0 0 10px;color:var(--brand)}
.feature p{margin:0}
.steps{counter-reset:step}
.step{padding:24px;position:relative}
.step:before{counter-increment:step;content:counter(step);position:absolute;top:18px;right:18px;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:#e7eef6;color:var(--brand);font-weight:700}
.cta-band{background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;padding:32px;border-radius:var(--radius)}
.footer{margin-top:38px;padding:38px 0;background:#0c2743;color:#dce9f6}
.footer a{color:#dce9f6}
.breadcrumb{font-size:14px;color:var(--muted);margin:18px 0}
.breadcrumb a{color:var(--muted)}
.article h1{font-size:40px}
.article h2{margin-top:30px}
.article ul{line-height:1.8}
.kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.kpi{padding:22px;text-align:center}
.kpi strong{display:block;font-size:30px;color:var(--brand)}
.notice{padding:16px 18px;border-left:4px solid var(--accent);background:#f0fbfd;border-radius:12px}
@media (max-width:900px){
 .hero-grid,.grid-3,.grid-2,.kpis{grid-template-columns:1fr}
 h1{font-size:36px}
 .section h2{font-size:28px}
 .header .container{gap:18px}
}