:root{
  --navy:#06172f;--blue:#1557d6;--green:#16a34a;--gold:#f7c948;--orange:#f97316;
  --bg:#f4f8fd;--card:#fff;--text:#10203b;--muted:#5f718d;--line:#d8e5f3;
  --soft:#fff4e8;--shadow:0 18px 48px rgba(10,35,75,.12);--radius:24px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
a{text-decoration:none;color:inherit}
.wrap{width:min(1180px,92%);margin:auto}
.topbar{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.nav{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:14px}
.brand{display:flex;align-items:center;gap:12px;font-weight:900;color:var(--navy)}
.logo{width:46px;height:46px;border-radius:15px;display:grid;place-items:center;color:#fff;background:linear-gradient(135deg,var(--blue),var(--orange));font-weight:900}
.brand small{display:block;color:var(--muted);font-size:12px}
.navlinks{display:flex;align-items:center;gap:14px;font-size:14px;font-weight:800}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:999px;font-weight:900;border:1px solid transparent}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 12px 28px rgba(21,87,214,.25)}
.btn-green{background:var(--green);color:#fff}
.btn-gold{background:var(--gold);color:#111827}
.btn-outline{background:#fff;border-color:#bfd0e6;color:var(--navy)}
.hero{color:#fff;padding:82px 0 58px;background:
radial-gradient(circle at 10% 12%,rgba(247,201,72,.22),transparent 30%),
radial-gradient(circle at 86% 16%,rgba(249,115,22,.35),transparent 32%),
linear-gradient(135deg,#06172f 0%,#0b2d62 48%,#1557d6 100%)}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:32px;align-items:center}
.eyebrow{display:inline-flex;padding:8px 14px;border-radius:999px;border:1px solid rgba(255,255,255,.25);background:rgba(255,255,255,.10);color:#ffe69a;font-size:13px;font-weight:900;margin-bottom:16px}
h1{font-size:clamp(34px,5vw,62px);line-height:1.04;margin:0 0 18px;letter-spacing:-1.2px}
.hero-text{font-size:18px;color:#dbeafe;margin:0 0 24px;max-width:760px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0}
.hero-points{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:24px}
.hero-points div{border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.09);border-radius:18px;padding:14px}
.hero-points b{display:block}.hero-points span{font-size:13px;color:#dbeafe}
.hero-card{background:#fff;color:var(--text);border-radius:30px;padding:26px;box-shadow:0 28px 80px rgba(0,0,0,.28)}
.badge{display:inline-flex;padding:6px 10px;border-radius:999px;background:#fff4e8;color:#c2410c;font-size:12px;font-weight:900;margin-bottom:12px}
.hero-card h3{font-size:26px;margin:0 0 12px;color:var(--navy)}
.section{padding:68px 0}
.section-title{font-size:clamp(28px,3.3vw,42px);line-height:1.15;color:var(--navy);margin:0 0 10px}
.section-subtitle{max-width:900px;color:var(--muted);font-size:17px;margin:0 0 30px}
.center{text-align:center}.center .section-subtitle{margin-left:auto;margin-right:auto}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card h3{margin:0 0 10px;color:var(--navy);font-size:22px}
.card p{margin:0;color:#42526b}
.icon{width:54px;height:54px;border-radius:18px;display:grid;place-items:center;background:var(--soft);color:var(--orange);font-size:25px;margin-bottom:14px}
.checklist{padding:0;margin:14px 0 0;list-style:none}
.checklist li{padding:10px 0 10px 30px;border-top:1px dashed #e1e8f2;position:relative;color:#334155}
.checklist li:before{content:"✓";position:absolute;left:0;top:10px;width:20px;height:20px;border-radius:50%;display:grid;place-items:center;background:#dcfce7;color:#15803d;font-size:13px;font-weight:900}
.dark{background:linear-gradient(135deg,#06172f,#0b3c6f);color:#fff}
.dark .section-title{color:#fff}.dark .section-subtitle{color:#cbdcff}
.dark .card{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.16);box-shadow:none}
.dark .card h3{color:#fff}.dark .card p,.dark .checklist li{color:#dbeafe}
.notice{border-left:5px solid var(--gold);background:#fff8dd;padding:18px;border-radius:18px;color:#4b3b09;text-align:left}
.process{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.step{background:#fff;border:1px solid var(--line);border-radius:20px;padding:20px;box-shadow:var(--shadow);color:var(--text)}
.step b{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:var(--orange);color:#fff;margin-bottom:12px}
.step h3{color:var(--navy);margin:0 0 8px}.step p{color:#42526b;margin:0}
.cta{background:linear-gradient(135deg,#fff,#fff4e8);border:1px solid var(--line);border-radius:32px;padding:44px;text-align:center;box-shadow:var(--shadow)}
.footer{background:#061225;color:#cbd5e1;padding:34px 0;font-size:14px}
.footer strong{color:#fff}
.float-wa{position:fixed;right:18px;bottom:18px;z-index:80;background:var(--green);color:#fff;padding:14px 18px;border-radius:999px;font-weight:900;box-shadow:0 14px 30px rgba(22,163,74,.35)}
@media(max-width:980px){
  .hero-grid,.grid-2,.grid-3,.grid-4,.process{grid-template-columns:1fr}
  .hero-points{grid-template-columns:1fr}
  .nav{align-items:flex-start;flex-direction:column;padding:12px 0}
  .navlinks{width:100%;overflow-x:auto;white-space:nowrap;padding-bottom:6px}
  .hero{padding:52px 0 42px}.section{padding:50px 0}.cta{padding:28px}
}
@media(max-width:560px){
  .navlinks a:not(.btn){display:none}
  .btn{width:100%}.hero-actions .btn{width:100%}
  .float-wa{left:14px;right:14px;text-align:center}
}