:root{--navy:#203070;--navy-d:#121b45;--or:#e08010;--or-d:#b9650a;--gr:#505050;--ink:#1c2340;--bg:#f4f6fb;--line:#e1e6f0;--w:#fff}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font:16px/1.7 'Open Sans',system-ui,sans-serif;color:var(--ink);background:var(--w)}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif;line-height:1.2;color:var(--navy-d)}
a{color:var(--navy)}img{max-width:100%;height:auto}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px 14px;z-index:99}
:focus-visible{outline:3px solid var(--or);outline-offset:2px}
.wrap{max-width:1180px;margin:0 auto;padding:0 1.5rem}
.topbar{background:var(--navy-d);color:#dfe5ff;font-size:.82rem}
.topbar .wrap{display:flex;flex-wrap:wrap;gap:.4rem 1.6rem;justify-content:flex-end;padding-top:.45rem;padding-bottom:.45rem}
.topbar a{color:#dfe5ff;text-decoration:none}.topbar a:hover{color:#fff;text-decoration:underline}
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 2px 12px rgba(18,27,69,.06)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:1rem}
.logo img{height:48px;display:block}
nav ul{list-style:none;display:flex;align-items:center;gap:.2rem}
nav li{position:relative}
nav a.nl{display:block;padding:.55rem .75rem;font:600 .85rem 'Montserrat',sans-serif;color:var(--ink);text-decoration:none;border-radius:6px}
nav a.nl:hover,nav a.nl[aria-current]{color:var(--or-d);background:#fdf3e6}
nav .sub{display:none;position:absolute;top:100%;left:0;min-width:210px;background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:0 12px 30px rgba(18,27,69,.12);padding:.4rem;flex-direction:column;gap:0}
nav li:hover>.sub,nav li:focus-within>.sub{display:flex}
nav .btn-nav{background:var(--or);color:#fff!important;margin-left:.4rem}
nav .btn-nav:hover{background:var(--or-d)!important}
.burger{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:.5rem .7rem;font:600 .85rem 'Montserrat',sans-serif;cursor:pointer}
.hero{background:linear-gradient(135deg,var(--navy-d),var(--navy));color:#fff;padding:4.5rem 0;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;border:60px solid rgba(224,128,16,.13)}
.hero h1{color:#fff;font-size:clamp(2rem,4.5vw,3.2rem);font-weight:800;margin:.6rem 0 1rem}
.hero h1 em{font-style:normal;color:#ffb257}
.hero p.lead{color:#d5dcfa;max-width:620px;font-size:1.05rem}
.eyebrow{font:700 .74rem 'Montserrat',sans-serif;letter-spacing:.16em;text-transform:uppercase;color:var(--or)}
.hero .eyebrow{color:#ffb257}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center;position:relative;z-index:1}
.page-hero{padding:3.2rem 0}
.btns{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.8rem}
.btn{display:inline-block;padding:.8rem 1.5rem;border-radius:8px;font:700 .88rem 'Montserrat',sans-serif;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:.2s}
.btn-or{background:var(--or);color:#fff}.btn-or:hover{background:var(--or-d)}
.btn-ln{border-color:rgba(255,255,255,.6);color:#fff}.btn-ln:hover{background:#fff;color:var(--navy)}
.btn-nv{background:var(--navy);color:#fff}.btn-nv:hover{background:var(--navy-d)}
.btn-ol{border-color:var(--navy);color:var(--navy)}.btn-ol:hover{background:var(--navy);color:#fff}
.pipe{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:16px;padding:1.5rem}
.pipe h3{color:#ffb257;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:.8rem}
.pipe ol{list-style:none;counter-reset:s}
.pipe li{counter-increment:s;display:flex;gap:.8rem;align-items:center;padding:.42rem 0;font-size:.9rem;border-bottom:1px solid rgba(255,255,255,.08)}
.pipe li::before{content:counter(s);flex:none;width:24px;height:24px;border-radius:6px;background:var(--or);display:grid;place-items:center;font:700 .72rem 'Montserrat',sans-serif}
section.s{padding:4.5rem 0}.alt{background:var(--bg)}
.sh{max-width:700px;margin-bottom:2.4rem}
.sh h2{font-size:clamp(1.6rem,3vw,2.3rem);margin:.3rem 0 .6rem}
.sh p{color:#4a5373}
.grid{display:grid;gap:1.3rem}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.6rem;border-top:4px solid var(--or);transition:.2s}
.card:hover{box-shadow:0 14px 34px rgba(18,27,69,.1);transform:translateY(-3px)}
.card h3{font-size:1.05rem;margin-bottom:.5rem}.card p{font-size:.93rem;color:#4a5373}
.card .n{font:800 .8rem 'Montserrat',sans-serif;color:var(--or);letter-spacing:.1em;display:block;margin-bottom:.4rem}
.tags{display:flex;flex-wrap:wrap;gap:.4rem;margin-top:.9rem}
.tag{font:600 .72rem 'Montserrat',sans-serif;background:#eef1fb;color:var(--navy);padding:.2rem .65rem;border-radius:99px}
.stats{background:var(--navy-d);color:#fff;padding:2.6rem 0}
.stats .grid{text-align:center}.stats b{display:block;font:800 2.6rem 'Montserrat',sans-serif;color:#ffb257}.stats span{font-size:.88rem;color:#cdd5f5}
.band{background:linear-gradient(135deg,var(--navy),var(--navy-d));color:#fff;text-align:center;padding:4rem 0}
.band h2{color:#fff;font-size:clamp(1.5rem,3vw,2.2rem);margin-bottom:.7rem}.band p{color:#d5dcfa;max-width:620px;margin:0 auto}
.band .btns{justify-content:center}.band .cl{margin-top:1.4rem;font-size:.92rem}.band .cl a{color:#ffb257;margin:0 .6rem}
.chips{display:flex;flex-wrap:wrap;gap:.6rem}.chips span{background:#fff;border:1px solid var(--line);padding:.45rem 1rem;border-radius:99px;font:600 .85rem 'Montserrat',sans-serif}
ul.chk{list-style:none}ul.chk li{padding:.55rem 0 .55rem 1.8rem;position:relative;border-bottom:1px solid var(--line)}
ul.chk li::before{content:"✓";position:absolute;left:0;color:var(--or);font-weight:800}
.zbar{display:flex;flex-wrap:wrap;gap:.6rem;align-items:center;margin-bottom:1.4rem}
.zbar button{border:1px solid var(--line);background:#fff;padding:.4rem .95rem;border-radius:99px;font:600 .8rem 'Montserrat',sans-serif;cursor:pointer}
.zbar button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.zbar input{margin-left:auto;padding:.5rem .9rem;border:1px solid var(--line);border-radius:8px;min-width:230px;font:inherit}
.zy{font:800 1.1rem 'Montserrat',sans-serif;color:var(--or);margin:1.6rem 0 .5rem;border-bottom:2px solid var(--line);padding-bottom:.3rem}
.pub{padding:.9rem 0;border-bottom:1px solid var(--line)}
.pub h4{font-size:1rem;font-weight:700}.pub .m{font-size:.88rem;color:#4a5373}.pub .t{font:700 .68rem 'Montserrat',sans-serif;text-transform:uppercase;letter-spacing:.1em;color:var(--or)}
.zmsg{background:#fff8ee;border:1px solid #f1d6a8;border-radius:10px;padding:1.2rem}
.ci{display:flex;flex-direction:column;gap:1rem}.ci div{background:#fff;border:1px solid var(--line);border-left:4px solid var(--or);border-radius:10px;padding:1rem 1.2rem}
.ci h4{font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--or);margin-bottom:.2rem}
form.f{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.8rem;display:grid;gap:1rem}
form.f label{font:600 .82rem 'Montserrat',sans-serif;display:grid;gap:.3rem}
form.f input,form.f select,form.f textarea{padding:.7rem .9rem;border:1px solid #c9d1e6;border-radius:8px;font:inherit}
footer.site{background:var(--navy-d);color:#cdd5f5;padding:3.5rem 0 1.2rem;font-size:.92rem}
footer .fg{display:grid;grid-template-columns:1.4fr 1fr 1.5fr;gap:2.5rem}
footer h4{color:#fff;font-size:.85rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:.8rem}
footer a{color:#cdd5f5;text-decoration:none}footer a:hover{color:#ffb257;text-decoration:underline}
footer ul{list-style:none}footer li{margin:.3rem 0}
footer .lg{background:#fff;border-radius:10px;padding:.5rem .8rem;display:inline-block;margin-bottom:1rem}footer .lg img{height:42px;display:block}
footer address{font-style:normal;line-height:1.8}
footer .bt{border-top:1px solid rgba(255,255,255,.15);margin-top:2.2rem;padding-top:1rem;font-size:.82rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem}
@media(max-width:980px){.hero-grid,.g3,.g4,footer .fg{grid-template-columns:1fr 1fr}.hero-grid{grid-template-columns:1fr}
.burger{display:block}nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:.6rem 1.2rem 1rem}
nav.open{display:block}nav ul{flex-direction:column;align-items:stretch}nav .sub{display:flex;position:static;border:0;box-shadow:none;padding:0 0 0 1rem}
nav .btn-nav{margin:.4rem 0 0;text-align:center}}
@media(max-width:640px){.g2,.g3,.g4,footer .fg{grid-template-columns:1fr}.topbar .wrap{justify-content:flex-start}.zbar input{margin-left:0;width:100%}section.s{padding:3rem 0}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}