:root{
  --navy:#0b2545; --navy-2:#123a6b; --gold:#c8952a; --ink:#111827; --muted:#4b5563;
  --line:#e5e7eb; --bg:#ffffff; --soft:#f6f7f9;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);
  font:16px/1.7 -apple-system,"Segoe UI",Roboto,Arial,sans-serif}
img{max-width:100%;display:block}
a{color:var(--navy-2)}

/* ---------- header ---------- */
header{position:sticky;top:0;z-index:20;background:var(--navy);color:#fff;
  border-bottom:3px solid var(--gold)}
.bar{max-width:1120px;margin:0 auto;padding:10px 20px;display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.bar img{height:44px;width:auto;background:#fff;border-radius:4px;padding:3px}
.bar .nm{font-weight:700;letter-spacing:.4px;line-height:1.25}
.bar .nm small{display:block;font-weight:400;font-size:12px;color:#c9d6e8;letter-spacing:.6px}
nav{margin-left:auto;display:flex;gap:18px;align-items:center;flex-wrap:wrap}
nav a{color:#dbe5f1;text-decoration:none;font-size:14px}
nav a:hover{color:#fff}
.lang{border:1px solid #43608c;border-radius:4px;padding:3px 9px;font-size:13px}

/* ---------- hero ---------- */
.hero{background:linear-gradient(180deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;
  padding:56px 20px 60px}
.hero .in{max-width:1120px;margin:0 auto}
.hero h1{font-size:34px;line-height:1.25;margin:0 0 14px;max-width:20ch}
.hero p{font-size:18px;color:#d7e2f0;max-width:62ch;margin:0 0 22px}
.kpi{display:flex;gap:36px;flex-wrap:wrap;margin-top:26px;padding-top:22px;border-top:1px solid #2c4a7a}
.kpi div b{display:block;font-size:26px;color:var(--gold)}
.kpi div span{font-size:13px;color:#c2d1e4}
.cta{display:inline-block;background:var(--gold);color:#20160a;font-weight:700;
  text-decoration:none;padding:12px 24px;border-radius:4px}
.cta:hover{background:#dda63a}

/* ---------- layout ---------- */
main{max-width:1120px;margin:0 auto;padding:0 20px}
section{padding:52px 0;border-bottom:1px solid var(--line)}
section:last-of-type{border-bottom:0}
h2{font-size:25px;color:var(--navy);margin:0 0 6px}
.lead{color:var(--muted);margin:0 0 26px;max-width:70ch}
h3{font-size:18px;margin:0 0 4px;color:var(--navy)}

.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px}
.card{border:1px solid var(--line);border-radius:8px;overflow:hidden;background:#fff}
.card img{aspect-ratio:4/3;object-fit:cover;background:var(--soft)}
.card .body{padding:16px 18px 20px}
.ph{aspect-ratio:4/3;background:linear-gradient(135deg,var(--navy-2),var(--navy));
  color:#fff;display:flex;flex-direction:column;align-items:center;justify-content:center;
  font-size:28px;font-weight:700;letter-spacing:1.5px}
.ph span{font-size:11px;font-weight:400;color:#9fb4d0;letter-spacing:.9px;
  margin-top:8px;text-transform:uppercase}
.tag{display:inline-block;font-size:11px;letter-spacing:.8px;text-transform:uppercase;
  background:var(--soft);border:1px solid var(--line);color:var(--muted);
  padding:2px 8px;border-radius:99px;margin-bottom:8px}
.card p{color:var(--muted);font-size:14.5px;margin:8px 0 12px}
table{border-collapse:collapse;width:100%;font-size:14px}
td{border-top:1px solid var(--line);padding:6px 0;vertical-align:top}
td:first-child{color:var(--muted);width:46%}
td:last-child{font-weight:600;text-align:right}

.why{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.why div{border-left:3px solid var(--gold);padding-left:14px}
.why p{color:var(--muted);font-size:14.5px;margin:6px 0 0}

.contact{background:var(--soft);border:1px solid var(--line);border-radius:8px;
  padding:24px 26px;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:22px}
.contact dt{font-size:12px;text-transform:uppercase;letter-spacing:.7px;color:var(--muted)}
.contact dd{margin:3px 0 0;font-weight:600}

.note{background:var(--soft);border-left:3px solid var(--navy);padding:14px 16px;
  color:var(--muted);font-size:14.5px;border-radius:0 6px 6px 0}

/* ---------- legal pages ---------- */
.legal{max-width:800px}
.legal h2{margin-top:34px;font-size:20px}
.legal p,.legal li{color:#374151}
.legal .upd{color:var(--muted);font-size:14px}

/* ---------- footer ---------- */
footer{background:var(--navy);color:#c5d3e6;margin-top:10px}
footer .in{max-width:1120px;margin:0 auto;padding:34px 20px;
  display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:26px}
footer b{color:#fff;display:block;margin-bottom:8px}
footer a{color:#c5d3e6}
footer .copy{border-top:1px solid #24405f;padding:14px 20px;text-align:center;
  font-size:13px;color:#93a7c2}

@media(max-width:640px){
  .hero h1{font-size:27px}
  .hero p{font-size:16px}
  section{padding:40px 0}
}