:root{--blue:#0D3B66;--blue-dark:#082a49;--orange:#F4A261;--orange-dark:#cf7029;--gray:#64748b;--light:#f6f8fb;--border:#dfe5ec;--white:#fff;--shadow:0 14px 40px rgba(13,59,102,.10)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:#172033;line-height:1.65;background:#fff}a{color:inherit}img{max-width:100%;display:block}.container{width:min(1180px,calc(100% - 32px));margin:auto}.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:16px;top:16px;background:#fff;padding:10px;z-index:100}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--border);backdrop-filter:blur(12px)}.nav-wrap{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--blue)}.brand-mark{width:46px;height:46px;border-radius:13px;background:var(--blue);color:#fff;display:grid;place-items:center;font-weight:900}.brand strong,.brand small{display:block}.brand strong{font-size:1.05rem}.brand small{font-size:.67rem;letter-spacing:.1em;color:var(--gray)}.main-nav{display:flex;align-items:center;gap:4px}.nav-link{padding:9px 10px;text-decoration:none;font-size:.9rem;font-weight:700;color:#536073;border-radius:8px}.nav-link:hover,.nav-link.active{background:#edf5fc;color:var(--blue)}.menu-btn{display:none;border:0;background:transparent;font-size:1.5rem}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:10px;padding:12px 18px;font-weight:800;text-decoration:none;border:1px solid transparent;cursor:pointer;font:inherit}.btn-primary{background:var(--orange);color:#182235}.btn-primary:hover{background:#eb914e}.btn-secondary{background:#fff;color:var(--blue)}.btn-outline{border-color:rgba(255,255,255,.5);color:#fff}.btn-dark{background:var(--blue);color:#fff}.nav-cta{margin-left:8px}.hero,.page-hero{background:linear-gradient(135deg,var(--blue-dark),var(--blue) 60%,#17669d);color:#fff}.hero{padding:92px 0}.page-hero{padding:70px 0}.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:60px;align-items:center}.eyebrow{font-size:.78rem;font-weight:900;letter-spacing:.18em;text-transform:uppercase;color:var(--orange-dark)}.eyebrow.light{color:#ffc58f}.hero h1,.page-hero h1{font-size:clamp(2.45rem,5vw,4.6rem);line-height:1.08;letter-spacing:-.04em;margin:.3em 0}.page-hero h1{max-width:900px;font-size:clamp(2.25rem,4vw,3.8rem)}.accent{color:var(--orange)}.hero-text{font-size:1.22rem;max-width:760px;color:#dcecff}.button-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.portrait-card{background:rgba(255,255,255,.12);padding:20px;border:1px solid rgba(255,255,255,.2);border-radius:30px}.portrait-inner{padding:28px;background:#fff;color:#172033;border-radius:24px;text-align:center}.portrait{width:160px;height:160px;margin:auto;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,#e4f1ff,#ffe0c4);font-size:3rem;font-weight:900;color:var(--blue)}.portrait-inner h2{margin:16px 0 0;color:var(--blue)}.portrait-inner p{margin:0;color:var(--orange-dark);font-weight:700}.tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}.tag{background:#f1f5f9;border-radius:999px;padding:7px 11px;font-size:.8rem;font-weight:800}.section{padding:80px 0}.section.alt{background:var(--light)}.section-head{text-align:center;max-width:760px;margin:0 auto 38px}.section-head h2,.content h2{font-size:clamp(2rem,3.5vw,3rem);line-height:1.15;color:var(--blue);margin:.3em 0}.section-head p{font-size:1.08rem;color:var(--gray)}.grid{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}.card{border:1px solid var(--border);border-radius:20px;padding:26px;background:#fff;box-shadow:0 4px 18px rgba(13,59,102,.04)}.card:hover{box-shadow:var(--shadow)}.card h2,.card h3{color:var(--blue);line-height:1.25}.card h3{font-size:1.25rem}.icon{font-size:1.9rem}.text-link{display:inline-block;margin-top:12px;color:var(--orange-dark);font-weight:800}.metric{background:var(--blue);color:#fff}.metric strong{display:block;font-size:2.6rem;color:var(--orange)}.price{color:var(--orange-dark);font-weight:900}.notice{padding:18px;border-radius:14px;background:#fff8ed;border:1px solid #f6d5ad;color:#684321}.article-card{border-top:7px solid var(--blue)}.article-meta{display:flex;justify-content:space-between;color:var(--orange-dark);font-size:.78rem;font-weight:900;text-transform:uppercase}.filters{display:flex;gap:12px;background:var(--light);padding:16px;border-radius:16px;margin-bottom:28px}.filters input,.filters select,.form input,.form select,.form textarea{width:100%;padding:13px 14px;border:1px solid #ccd5df;border-radius:10px;background:#fff;font:inherit}.filters input{flex:1}.form{border:1px solid var(--border);padding:28px;border-radius:22px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form label{display:block;font-weight:800;margin-bottom:14px}.form label span{display:block;margin-bottom:6px}.form 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#a9dbb8;color:#196333;padding:18px;border-radius:12px;margin-top:16px}.case-result{background:#eaf8ef;color:#176534;font-weight:900;padding:12px;border-radius:10px}.small{font-size:.85rem;color:var(--gray)}@media(max-width:1000px){.menu-btn{display:block}.main-nav{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;padding:16px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.nav-cta{margin:8px 0 0}.hero-grid{grid-template-columns:1fr}.grid-4{grid-template-columns:repeat(2,1fr)}}@media(max-width:720px){.hero,.page-hero{padding:62px 0}.grid-2,.grid-3,.grid-4,.form-grid,.footer-grid{grid-template-columns:1fr}.cta-row{align-items:flex-start;flex-direction:column}.filters{flex-direction:column}.brand small{display:none}.section{padding:60px 0}}