:root {
  --bg: #f3f6fb;
  --surface: #ffffff;
  --surface-soft: #f8fbff;
  --text: #152235;
  --muted: #5e6b7f;
  --line: #d8e3f1;
  --brand: #0f766e;
  --brand-dark: #0b5a54;
  --accent: #1d4ed8;
  --ok: #0a7a38;
  --shadow: 0 14px 34px rgba(17, 24, 39, .08);
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: "Segoe UI", "Noto Sans", Arial, sans-serif;
  color: var(--text);
  background:
    radial-gradient(920px 380px at 100% -10%, #d3ebe8 0, transparent 62%),
    radial-gradient(720px 320px at 0 -10%, #dce8ff 0, transparent 58%),
    var(--bg);
  line-height: 1.55;
}

.container { width: min(1120px, 92%); margin: 0 auto; }

.topbar {
  background: #0f172a;
  color: #dbe4f4;
  font-size: 14px;
}
.topbar .container {
  display: flex; align-items: center; justify-content: space-between;
  padding: 8px 0;
}
.topbar a { color: #dbe4f4; text-decoration: none; }

.header {
  position: sticky; top: 0; z-index: 20;
  background: rgba(255,255,255,.9);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.header .container {
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px; padding: 12px 0;
}
.brand {
  text-decoration: none; color: var(--text);
  display: inline-flex; align-items: center; gap: 12px;
}
.brand-mark {
  width: 42px; height: 42px; border-radius: 12px;
  background: linear-gradient(145deg, var(--brand), #0e9f95);
  color: #fff; font-weight: 800; display: grid; place-items: center;
  box-shadow: var(--shadow);
}
.brand strong { display: block; font-size: 16px; }
.brand span { color: var(--muted); font-size: 13px; }

.nav { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }
.nav a {
  text-decoration: none; color: #253247; font-weight: 600; font-size: 14px;
  padding: 8px 10px; border-radius: 8px;
}
.nav a.active, .nav a:hover { background: #ecf4ff; color: #0b3b7a; }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  border-radius: 10px; padding: 11px 16px; font-weight: 700;
  text-decoration: none; border: 1px solid transparent; cursor: pointer;
}
.btn.primary { background: var(--brand); color: #fff; }
.btn.primary:hover { background: var(--brand-dark); }
.btn.ghost { border-color: var(--line); color: #233249; background: #fff; }

.hero {
  padding: 58px 0 30px;
}
.hero-grid {
  display: grid; gap: 20px;
  grid-template-columns: 1.25fr .85fr;
}
.hero-card, .panel {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 18px;
  box-shadow: var(--shadow);
}
.hero-card { padding: 32px; }
.hero h1 { margin: 0 0 14px; font-size: clamp(30px, 4vw, 48px); line-height: 1.08; }
.hero p.lead { margin: 0; color: var(--muted); font-size: 18px; }
.hero-cta { margin-top: 20px; display: flex; gap: 12px; flex-wrap: wrap; }
.badges { margin-top: 18px; display: flex; gap: 10px; flex-wrap: wrap; }
.badge {
  font-size: 13px; font-weight: 700; color: #1f3657;
  background: #edf4ff; border: 1px solid #d3e2fb;
  padding: 6px 10px; border-radius: 999px;
}

.panel { padding: 22px; }
.panel h3 { margin: 0 0 10px; }
.panel ul { margin: 0; padding-left: 18px; }
.panel li { margin: 8px 0; color: #314259; }

.section { padding: 22px 0; }
.section h2 { margin: 0 0 14px; font-size: 30px; }
.section p.sub { margin: 0 0 18px; color: var(--muted); }

.cards {
  display: grid; gap: 14px;
  grid-template-columns: repeat(3, minmax(0,1fr));
}
.card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 18px;
}
.card h3 { margin: 0 0 8px; font-size: 20px; }
.card p { margin: 0; color: #42536a; }

.kpis {
  display: grid; gap: 14px;
  grid-template-columns: repeat(4, minmax(0,1fr));
}
.kpi {
  background: var(--surface-soft);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 16px;
  text-align: center;
}
.kpi strong { display: block; font-size: 30px; color: #0b3f78; }
.kpi span { color: var(--muted); font-size: 14px; }

.table-wrap {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 14px;
  overflow: auto;
}
table { width: 100%; border-collapse: collapse; min-width: 640px; }
th, td { padding: 12px 14px; border-bottom: 1px solid var(--line); text-align: left; }
th { background: #f2f8ff; color: #274366; }

.faq .item {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 12px;
  margin-bottom: 10px;
}
.faq button {
  width: 100%; text-align: left;
  border: 0; background: transparent;
  padding: 14px 16px; font-size: 16px; font-weight: 700; color: #22344f;
  cursor: pointer;
}
.faq .answer { display: none; padding: 0 16px 14px; color: #45566f; }
.faq .item.open .answer { display: block; }

.contact-grid {
  display: grid; gap: 14px;
  grid-template-columns: 1fr 1fr;
}
.contact-box {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 18px;
}
.contact-box h3 { margin-top: 0; }
.contact-list { list-style: none; margin: 0; padding: 0; }
.contact-list li { margin: 8px 0; color: #3e516a; }

.footer {
  margin-top: 36px;
  border-top: 1px solid var(--line);
  background: #f6f9ff;
}
.footer .container {
  padding: 18px 0 24px;
  color: #5f6e82;
  display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap;
  font-size: 14px;
}
.footer a { color: #385783; text-decoration: none; }

@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; }
  .cards { grid-template-columns: 1fr 1fr; }
  .kpis { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .cards { grid-template-columns: 1fr; }
  .kpis { grid-template-columns: 1fr; }
  .hero { padding-top: 34px; }
}