:root{
  --primary:#0b2a4a;
  --primary2:#123a63;
  --accent:#cfa24a;
  --bg:#f5f7fb;
  --text:#111827;
  --muted:#6b7280;
  --panel:#ffffff;
  --border:rgba(17,24,39,.12);
  --shadow:0 14px 35px rgba(17,24,39,.08);
  --radius:14px;
}
*{box-sizing:border-box}
html,body{height:100%}
body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,Arial,sans-serif;background:var(--bg);color:var(--text)}
a{color:inherit;text-decoration:none}
.container{max-width:1120px;margin:0 auto;padding:24px}
.container.narrow{max-width:520px}
.topbar{background:linear-gradient(90deg,var(--primary),var(--primary2));color:#fff;position:sticky;top:0;z-index:10;box-shadow:0 10px 30px rgba(0,0,0,.12)}
.topbar .container{display:flex;align-items:center;justify-content:space-between;padding:18px 24px}
.brand{display:flex;align-items:center;gap:12px;font-weight:700}
.brand-mark{width:14px;height:14px;border-radius:6px;background:var(--accent);box-shadow:0 0 0 4px rgba(207,162,74,.15)}
.brand-text{letter-spacing:.3px}
.nav{display:flex;gap:14px;align-items:center}
.nav a{opacity:.92}
.nav a:hover{opacity:1}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 16px;border-radius:12px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.12);color:#fff;font-weight:650;transition:transform .08s ease, background .15s ease}
.btn:hover{background:rgba(255,255,255,.18)}
.btn:active{transform:translateY(1px)}
.btn-small{padding:9px 12px;border-radius:10px}
.btn-login{letter-spacing:.08em;text-transform:uppercase;font-weight:800}
.btn-primary{border:1px solid rgba(11,42,74,.18);background:linear-gradient(90deg,var(--primary),var(--primary2));color:#fff}
.btn-primary:hover{filter:brightness(1.04)}
.btn-block{width:100%}
.btn-outline{background:transparent;border-color:rgba(11,42,74,.25);color:var(--primary)}
.hero{padding:22px 0 10px}
.hero h1{font-size:42px;line-height:1.06;margin:0 0 10px}
.lead{font-size:18px;color:var(--muted);margin:0 0 16px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:18px}
.hero-actions .btn{border:1px solid rgba(11,42,74,.18);background:linear-gradient(90deg,var(--primary),var(--primary2));color:#fff}
.hero-actions .btn-outline{background:transparent;color:var(--primary)}
.hero-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.card{background:var(--panel);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:16px}
.card-title{font-weight:800;margin-bottom:6px}
.panel{background:var(--panel);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.grid2{display:grid;grid-template-columns:1.2fr .8fr;gap:16px;margin-top:18px}
.bullets{margin:10px 0 0 18px;color:var(--text)}
.bullets li{margin:8px 0}
.steps{margin:12px 0 0 18px}
.steps li{margin:10px 0}
.muted{color:var(--muted)}
.link{color:var(--primary);font-weight:650}
.footer{background:#0b2a4a;color:#fff;margin-top:28px}
.footer .container{padding:22px 24px}
.footer-grid{display:flex;justify-content:space-between;gap:16px;align-items:flex-start;flex-wrap:wrap}
.callout{border:1px solid rgba(207,162,74,.35);background:rgba(207,162,74,.12);padding:12px 14px;border-radius:12px;margin:10px 0 14px}
.form label{display:block;font-size:13px;color:var(--muted);margin:10px 0 6px}
.form input{width:100%;padding:12px 12px;border-radius:12px;border:1px solid var(--border);outline:none}
.form input:focus{border-color:rgba(18,58,99,.45);box-shadow:0 0 0 4px rgba(18,58,99,.12)}
.alert{border:1px solid var(--border);background:#fff;padding:10px 12px;border-radius:12px;margin-bottom:12px}
.alert.error{border-color:rgba(239,68,68,.35);background:rgba(239,68,68,.06)}

@media (max-width: 900px){
  .hero-cards{grid-template-columns:1fr}
  .grid2{grid-template-columns:1fr}
  .hero h1{font-size:34px}
  .topbar .container{flex-direction:column;align-items:flex-start;gap:10px}
}