:root{
  --bg:#f7fbff;
  --bg2:#ffffff;
  --panel:#ffffff;
  --line:#dbe7f3;
  --text:#13253a;
  --muted:#526275;
  --brand:#0f4c81;
  --brand2:#0ea5e9;
  --teal:#14b8a6;
  --shadow:0 14px 40px rgba(15,76,129,.08);
  --radius:18px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--text);
  background:linear-gradient(180deg,#eef6fd 0,#fff 220px);
  line-height:1.65;
}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:none}
img{max-width:100%;display:block}
.container{max-width:var(--max);margin:0 auto;padding:0 28px}
.topband{height:5px;background:linear-gradient(90deg,var(--brand),var(--brand2),var(--teal))}
.site-header{
  position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line);
}
.navbar{display:flex;align-items:center;justify-content:space-between;padding:18px 0;gap:24px}
.brand{display:flex;align-items:center;gap:14px}
.brand img{width:44px;height:44px;border-radius:50%;object-fit:cover;border:1px solid var(--line);box-shadow:var(--shadow)}
.brand-text{font-size:13px;font-weight:800;letter-spacing:.25em;color:var(--brand)}
.navlinks{display:flex;gap:18px;flex-wrap:wrap;justify-content:flex-end}
.navlinks a{font-size:14px;font-weight:600;color:#35506b}
.navlinks a:hover{color:var(--brand2)}
.hero{padding:70px 0 36px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:center}
.eyebrow{
  display:inline-flex;align-items:center;padding:8px 12px;border:1px solid #cfe3f3;border-radius:999px;
  background:#fff;color:var(--brand);font-size:12px;font-weight:800;letter-spacing:.18em;text-transform:uppercase
}
h1{font-size:58px;line-height:1.04;margin:18px 0 16px;letter-spacing:-.03em}
h2{font-size:36px;line-height:1.12;margin:0 0 14px;letter-spacing:-.02em}
h3{font-size:22px;line-height:1.25;margin:0 0 10px}
p{margin:0 0 14px;color:var(--muted)}
.hero p{font-size:18px;max-width:760px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;padding:14px 20px;border-radius:12px;
  font-weight:700;font-size:15px;border:1px solid transparent;transition:.18s ease;cursor:pointer
}
.btn-primary{background:linear-gradient(135deg,var(--brand),var(--brand2));color:#fff;box-shadow:var(--shadow)}
.btn-primary:hover{transform:translateY(-1px)}
.btn-secondary{background:#fff;border-color:#cfe3f3;color:var(--brand)}
.hero-card{
  background:linear-gradient(160deg,#fff 0,#f5fbff 100%);border:1px solid var(--line);border-radius:28px;
  padding:24px;box-shadow:var(--shadow)
}
.hero-card img{border-radius:22px}
.section{padding:34px 0}
.section-lg{padding:66px 0}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.card{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)
}
.card.soft{background:linear-gradient(180deg,#fff,#f8fbff)}
.card.feature{
  background:linear-gradient(135deg,var(--brand),var(--brand2));color:#fff;border:none
}
.card.feature p,.card.feature .meta,.card.feature .tag{color:#eaf6ff}
.meta{font-size:13px;color:#6b7d8f}
.kicker{font-size:12px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--brand)}
.tag{
  display:inline-flex;padding:7px 11px;border-radius:999px;border:1px solid #d7e8f5;background:#f5fbff;
  font-size:12px;font-weight:700;color:var(--brand);margin-right:8px;margin-top:6px
}
.split{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.list-clean{padding-left:18px;margin:12px 0 0;color:var(--muted)}
.timeline{border-left:2px solid #d9e9f7;padding-left:18px}
.timeline li{margin-bottom:14px;color:var(--muted)}
.footer{
  margin-top:70px;border-top:1px solid var(--line);padding:26px 0 48px;background:#fff
}
.footer-grid{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.small{font-size:13px;color:#6d7e90}
.form{
  background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px;box-shadow:var(--shadow)
}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-size:13px;font-weight:700;color:#38526c;margin-bottom:6px}
input,select,textarea{
  width:100%;padding:12px 14px;border:1px solid #cfdae6;border-radius:12px;background:#fff;
  font:inherit;color:var(--text)
}
textarea{min-height:160px;resize:vertical}
.notice{
  margin-top:16px;padding:14px 16px;border-radius:14px;border:1px solid #cfe3f3;background:#f4fbff;
  color:#45627d;font-size:14px
}
.disclosure-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.page-hero{padding:44px 0 12px}
.page-hero p{max-width:850px}
.research-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.report-row{display:flex;justify-content:space-between;gap:14px;align-items:flex-start}
hr.sep{border:none;border-top:1px solid var(--line);margin:26px 0}
@media (max-width: 980px){
  .hero-grid,.split,.grid-3,.grid-4,.research-grid,.disclosure-grid,.form-grid{grid-template-columns:1fr}
  h1{font-size:44px}
  h2{font-size:30px}
}