:root{--bg:#f4f9ff;--panel:rgba(255,255,255,.82);--glass:blur(14px) saturate(160%);
--ink:#0b1a2a;--muted:#3d5b75;--border:rgba(9,26,42,.12);
--blue:#3aa0ff;--cyan:#7cf0ff;--radius:18px}
*{box-sizing:border-box}html,body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,system-ui,Segoe UI,Roboto,Arial}
.wrap{max-width:1220px;margin:0 auto;padding:0 20px}a{color:#0c66ff;text-decoration:none}img{max-width:100%;height:auto}
.top{position:sticky;top:0;z-index:50;background:rgba(244,249,255,.88);backdrop-filter:var(--glass);border-bottom:1px solid var(--border)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:10px;font-weight:900}
.logo{width:34px;height:34px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(145deg,var(--blue),var(--cyan));color:#fff;box-shadow:0 0 16px rgba(58,160,255,.35)}
.menu a{margin:0 10px;opacity:.92;position:relative}
.menu a::after{content:'';position:absolute;left:0;right:0;bottom:-6px;height:2px;background:linear-gradient(90deg,var(--blue),var(--cyan));transform:scaleX(0);transform-origin:left;transition:transform .25s}
.menu a:hover::after{transform:scaleX(1)}
.pill{display:inline-flex;align-items:center;padding:8px 12px;border-radius:999px;border:1px solid var(--border);background:rgba(255,255,255,.9)}
.hero{position:relative;overflow:hidden}
.hero .bg{position:absolute;inset:0;background:url('/img/hero-bg.svg') center/cover no-repeat;opacity:.96}
.hero .inner{position:relative;z-index:1;padding:110px 0 76px}
.hero h1{font-size:46px;line-height:1.08;margin:6px 0 10px}
.lead{color:var(--muted);font-size:18px;max-width:980px}
.badge{display:inline-flex;gap:8px;align-items:center;padding:8px 12px;border-radius:12px;border:1px solid var(--border);background:rgba(255,255,255,.9)}
.grad{background:linear-gradient(90deg,var(--blue),var(--cyan));-webkit-background-clip:text;background-clip:text;color:transparent}
.btn{display:inline-flex;align-items:center;gap:10px;padding:12px 16px;border-radius:14px;background:linear-gradient(135deg, rgba(58,160,255,.12), rgba(124,240,255,.12));border:1px solid var(--border);color:var(--ink)}
.btn-accent{background:linear-gradient(135deg,var(--cyan),var(--blue));color:#06203a;border:none;font-weight:900}
.section{padding:78px 0;border-top:1px solid var(--border)}
.grid{display:grid;gap:20px}.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.tiles{display:grid;grid-template-columns:1.15fr .85fr;gap:20px}
.card{background:var(--panel);backdrop-filter:var(--glass);border:1px solid var(--border);border-radius:var(--radius);padding:20px;box-shadow:0 18px 48px rgba(16,24,40,.06)}.card h3{margin-top:0}
.kpi{display:flex;align-items:center;gap:12px;padding:16px;border-radius:14px;background:rgba(255,255,255,.9);border:1px solid var(--border)}.kpi .i{flex:0 0 40px;height:40px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(145deg,var(--cyan),var(--blue));color:#06203a;font-weight:900}
.toc{position:sticky;top:90px;height:max-content}.toc a{display:block;margin:6px 0;color:var(--muted)}.toc a:hover{color:var(--ink)}
.footer{border-top:1px solid var(--border);margin-top:32px;background:#ffffffcc}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:20px;padding:36px 0}.brand-mini{font-weight:800}.muted{color:var(--muted);font-size:14px}
.cookie{position:fixed;left:20px;right:20px;bottom:20px;display:none;z-index:60}.cookie .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;background:rgba(255,255,255,.98);border:1px solid var(--border);border-radius:14px;padding:12px 14px}
.reveal{opacity:0;transform:translateY(10px);transition:opacity .5s ease, transform .5s ease}.revealed{opacity:1;transform:none}
@media(max-width:1024px){.g3{grid-template-columns:1fr 1fr}.tiles{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.g2,.g3{grid-template-columns:1fr}.hero h1{font-size:34px}}