:root{--navy:#122b49;--navy2:#1d446f;--gold:#b88a46;--ink:#182232;--muted:#667080;--bg:#f5f7fa;--white:#fff;--line:#e3e8ef;--shadow:0 22px 60px rgba(18,43,73,.12);--radius:20px;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65}a{text-decoration:none;color:inherit}.container{width:min(92%,var(--max));margin:auto}.topbar{background:var(--navy);color:#ffffffc7;font-size:.82rem;padding:8px 0}.topbar .container{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}header{position:sticky;top:0;z-index:10;background:#fffffff2;backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:12px}.logo{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;font-weight:900}.brand-text{display:flex;flex-direction:column;line-height:1.15}.brand-text strong{color:var(--navy)}.brand-text span{font-size:.72rem;text-transform:uppercase;letter-spacing:.11em;color:var(--muted)}nav{display:flex;align-items:center;gap:22px}nav a{font-size:.93rem;font-weight:700;color:var(--muted)}nav a:hover,nav a.active{color:var(--navy)}.menu{display:none;border:0;background:transparent;font-size:1.5rem;color:var(--navy)}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 20px;border-radius:999px;font-weight:800;border:1px solid transparent}.btn-primary{background:var(--navy);color:#fff}.btn-light{background:#fff;border-color:var(--line);color:var(--navy)}.btn-gold{background:var(--gold);color:#fff}.hero{padding:105px 0 88px;background:radial-gradient(circle at 80% 18%,rgba(184,138,70,.22),transparent 29%),linear-gradient(135deg,#fbfcfe,#edf2f7)}.hero-grid{display:grid;grid-template-columns:1.13fr .87fr;gap:56px;align-items:center}.kicker{display:inline-flex;align-items:center;gap:9px;color:var(--gold);font-weight:900;text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;margin-bottom:16px}.kicker:before{content:'';width:28px;height:2px;background:var(--gold)}h1{margin:0 0 20px;font-size:clamp(2.65rem,5vw,5rem);line-height:1.03;letter-spacing:-.05em;color:var(--navy)}.hero p{font-size:1.14rem;color:var(--muted);max-width:720px;margin:0 0 30px}.actions{display:flex;gap:14px;flex-wrap:wrap}.hero-card{background:#fffffff0;border:1px solid var(--line);border-radius:28px;padding:32px;box-shadow:var(--shadow)}.hero-card h3{margin-top:0;color:var(--navy)}.hero-card ul{list-style:none;padding:0;margin:0}.hero-card li{padding:14px 0;border-bottom:1px solid var(--line);color:var(--muted)}.hero-card li:last-child{border-bottom:0}section{padding:82px 0}.section-head{max-width:760px;margin-bottom:38px}.section-head.center{text-align:center;margin-left:auto;margin-right:auto}.section-head h2{margin:0 0 12px;color:var(--navy);font-size:clamp(2rem,3.2vw,3.25rem);line-height:1.13}.section-head p{margin:0;color:var(--muted)}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card,.content-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:27px;box-shadow:0 10px 32px rgba(18,43,73,.05)}.card h3,.content-card h3{color:var(--navy)}.card p,.content-card p{color:var(--muted)}.dark{background:linear-gradient(135deg,var(--navy),#183a61);color:#fff}.dark h2{color:#fff}.dark p{color:#ffffffbd}.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:55px;align-items:center}.feature{background:#ffffff12;border:1px solid #ffffff1a;padding:18px;border-radius:16px;margin-bottom:14px}.quote{border-left:4px solid var(--gold);padding:20px 22px;background:#ffffff12;border-radius:0 14px 14px 0;font-weight:800}.tag{display:inline-block;padding:6px 10px;border-radius:999px;background:#f6efe5;color:var(--gold);font-size:.72rem;text-transform:uppercase;letter-spacing:.09em;font-weight:900}.content-card{max-width:720px}.content-card a{font-weight:900;color:var(--navy)}.cta{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:30px;padding:46px;display:grid;grid-template-columns:1.2fr .8fr;gap:35px;align-items:center}.cta h2{font-size:clamp(2rem,3vw,3rem);margin:0 0 14px}.cta p{color:#ffffffc7}.page-hero{padding:78px 0;background:linear-gradient(135deg,#fbfcfe,#edf2f7)}.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:12px}.article{max-width:860px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:40px;box-shadow:var(--shadow)}.notice{background:#fff8ed;border-left:4px solid var(--gold);padding:16px 18px;border-radius:8px}.form-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:28px}.info{background:var(--navy);color:#fff;border-radius:24px;padding:30px}.info p{color:#ffffffbd}.form{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.full{grid-column:1/-1}label{font-weight:800;color:var(--navy);font-size:.9rem}input,select,textarea{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:12px;font:inherit}textarea{min-height:150px}footer{background:#0d2037;color:#ffffffb8;padding:46px 0 24px}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:30px}.footer-bottom{border-top:1px solid #ffffff1a;margin-top:28px;padding-top:20px;font-size:.85rem}@media(max-width:950px){.hero-grid,.split,.cta,.form-wrap{grid-template-columns:1fr}.grid3{grid-template-columns:1fr 1fr}nav{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;padding:18px;flex-direction:column;align-items:flex-start}.menu{display:block}nav.open{display:flex}}@media(max-width:620px){.topbar{display:none}.grid3,.form-grid,.footer-grid{grid-template-columns:1fr}.btn{width:100%}.actions{flex-direction:column}}