:root{--navy:#0B1744;--orange:#EA580C;--bg:#F1F5F9;--card:#fff;--line:#E2E8F0;--muted:#64748B}
*{box-sizing:border-box}
body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:var(--bg);color:#0f172a;line-height:1.5}
a{color:inherit;text-decoration:none}
.wrap{width:min(1100px,100%);margin:0 auto;padding:0 16px}
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.top-in{display:flex;align-items:center;justify-content:space-between;gap:10px;min-height:60px}
.brand{display:flex;align-items:center;gap:10px;font-weight:900;color:var(--navy)}
.brand img{width:36px;height:36px;border-radius:10px;object-fit:cover}
.nav{display:flex;flex-wrap:wrap;gap:6px;align-items:center}
.nav a{font-size:13px;font-weight:700;padding:8px 11px;border-radius:999px;color:#334155}
.nav a:hover{background:#fff7ed;color:#c2410c}
.nav .ghost{background:#f1f5f9;color:var(--navy)}
.nav .cta{background:linear-gradient(135deg,#F97316,#EA580C);color:#fff!important;box-shadow:0 6px 16px rgba(234,88,12,.28)}
.hero{background:linear-gradient(150deg,#0B1744,#1e3a8a 55%,#EA580C);color:#fff;padding:42px 0 48px}
.hero h1{margin:0 0 10px;font-size:clamp(26px,5vw,40px);font-weight:900;letter-spacing:-.02em;max-width:16ch}
.hero p{margin:0 0 18px;opacity:.92;max-width:520px;font-size:15px}
.actions{display:flex;flex-wrap:wrap;gap:10px}
.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:12px;padding:12px 16px;font-weight:900;font-size:14px;cursor:pointer}
.btn-orange{background:linear-gradient(135deg,#FB923C,#EA580C);color:#fff}
.btn-white{background:#fff;color:var(--navy)}
.btn-line{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.section{padding:32px 0 8px}
.section h2{margin:0 0 6px;font-size:22px;color:var(--navy);font-weight:900}
.section .sub{margin:0 0 16px;color:var(--muted);font-size:14px}
.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
@media(min-width:700px){.grid{grid-template-columns:repeat(3,1fr)}}
@media(min-width:980px){.grid{grid-template-columns:repeat(4,1fr)}}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;overflow:hidden;transition:.15s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(11,23,68,.1);border-color:#fdba74}
.card .ico{aspect-ratio:1.1;display:grid;place-items:center;font-size:32px;background:linear-gradient(180deg,#fff7ed,#fff);border-bottom:1px solid var(--line)}
.card .bd{padding:12px 14px 14px;flex:1}
.card .t{font-weight:900;color:var(--navy);font-size:15px;margin:0 0 4px}
.card .d{margin:0;font-size:12.5px;color:var(--muted);line-height:1.45}
.card .go{display:inline-block;margin-top:10px;font-size:12px;font-weight:800;color:var(--orange)}
.banner{background:linear-gradient(135deg,#fff,#fff7ed);border:1px solid #fed7aa;border-radius:16px;padding:18px;display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between}
.banner b{display:block;color:var(--navy);font-size:15px}
.banner span{color:var(--muted);font-size:13px}
.foot{margin-top:36px;padding:24px 0;background:#fff;border-top:1px solid var(--line);text-align:center;color:var(--muted);font-size:13px}
.foot a{color:var(--navy);font-weight:700;margin:0 6px}
@media(max-width:560px){.nav a:not(.cta):not(.ghost){display:none}}