:root {
  --bg: #f5f7fb;
  --card: #ffffff;
  --text: #1e293b;
  --muted: #5b6475;
  --accent: #005aa7;
  --accent-2: #0f766e;
  --border: #dbe3ef;
  --shadow: 0 10px 30px rgba(15, 23, 42, 0.08);
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
header {
  background: linear-gradient(135deg, #003b73, #005aa7 60%, #0b6cbf);
  color: #fff;
}
.topbar {
  max-width: 1200px;
  margin: 0 auto;
  padding: 18px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
.brand {
  font-size: 1.45rem;
  font-weight: 700;
  letter-spacing: 0.2px;
}
.brand small {
  display: block;
  font-size: 0.8rem;
  font-weight: 400;
  opacity: 0.85;
  margin-top: 4px;
}
nav ul {
  display: flex;
  flex-wrap: wrap;
  list-style: none;
  gap: 12px;
  margin: 0;
  padding: 0;
}
nav a {
  color: #fff;
  font-size: 0.95rem;
  padding: 8px 10px;
  border-radius: 8px;
}
nav a:hover, nav a.active { background: rgba(255,255,255,0.14); text-decoration: none; }
.hero {
  max-width: 1200px;
  margin: 0 auto;
  padding: 54px 20px 48px;
  display: grid;
  grid-template-columns: 1.25fr 0.9fr;
  gap: 28px;
  align-items: start;
}
.hero h1 {
  margin: 0 0 12px;
  font-size: 2.8rem;
  line-height: 1.1;
}
.hero p {
  margin: 0 0 16px;
  font-size: 1.05rem;
  color: rgba(255,255,255,0.92);
}
.hero-card, .card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 18px;
  box-shadow: var(--shadow);
}
.hero-card {
  color: var(--text);
  padding: 22px;
}
.hero-card h2 { margin-top: 0; font-size: 1.15rem; }
.hero-card dl {
  margin: 0;
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 10px 14px;
}
.hero-card dt { font-weight: 700; color: var(--muted); }
.hero-card dd { margin: 0; }
main {
  max-width: 1200px;
  margin: 0 auto;
  padding: 28px 20px 44px;
}
.grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.card {
  padding: 22px;
}
.card h2, .card h3 { margin-top: 0; }
.lead {
  font-size: 1.08rem;
  color: var(--muted);
}
.kpi {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin: 20px 0 28px;
}
.kpi .card {
  text-align: center;
  padding: 18px;
}
.kpi strong {
  display: block;
  font-size: 1.85rem;
  color: var(--accent);
}
.section-title {
  margin: 10px 0 18px;
  font-size: 1.65rem;
}
.two-col {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 22px;
}
ul.clean, ol.clean {
  margin: 0;
  padding-left: 20px;
}
.note {
  border-left: 4px solid var(--accent-2);
  padding-left: 14px;
  color: var(--muted);
}
.table-wrap { overflow-x: auto; }
table {
  width: 100%;
  border-collapse: collapse;
  background: #fff;
}
th, td {
  padding: 12px 10px;
  border-bottom: 1px solid var(--border);
  text-align: left;
  vertical-align: top;
}
th { background: #eff5fc; }
footer {
  border-top: 1px solid var(--border);
  background: #eef3f9;
}
.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 24px 20px 40px;
  color: var(--muted);
  font-size: 0.95rem;
}
.tag {
  display: inline-block;
  background: #e8f1fb;
  color: var(--accent);
  padding: 6px 10px;
  border-radius: 999px;
  font-size: 0.85rem;
  margin: 0 8px 8px 0;
}
.callout {
  background: #f8fbff;
  border: 1px solid #cfe0f7;
  padding: 16px 18px;
  border-radius: 14px;
}
@media (max-width: 960px) {
  .hero, .two-col, .grid, .kpi { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .topbar, .hero, .two-col, .grid, .kpi { grid-template-columns: 1fr; display: grid; }
  nav ul { gap: 6px; }
  .hero h1 { font-size: 2.15rem; }
}