*{box-sizing:border-box}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:#eef2f6;color:#243547;line-height:1.6}
a{color:#0e5a8a;text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}
.topbar{background:#2f3f52;color:#fff;font-size:14px;padding:8px 0}
.container{width:min(1180px,92%);margin:0 auto}
.topbar .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.header{background:linear-gradient(180deg,#ffffff,#f2f5f8);border-bottom:4px solid #d4dde6;position:sticky;top:0;z-index:20}
.header-inner{display:flex;justify-content:space-between;align-items:center;padding:14px 0;gap:20px}
.logo img{height:52px;width:auto}
.nav ul{display:flex;flex-wrap:wrap;list-style:none;padding:0;margin:0;gap:8px}
.nav a{display:block;padding:10px 13px;background:#e8edf3;border:1px solid #d0d9e3;border-radius:4px;color:#223548;font-size:15px}
.nav a.active,.nav a:hover{background:#16324f;color:#fff;text-decoration:none}
.hero{background:#dfe7ef;padding:26px 0 22px;border-bottom:1px solid #ccd7e2}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:26px;align-items:stretch}
.hero-copy{background:#fff;padding:28px;border:1px solid #d9e2eb;box-shadow:0 8px 18px rgba(0,0,0,.07)}
.hero-copy h1{font-size:42px;line-height:1.14;margin:0 0 18px;color:#17314b}
.hero-copy p{font-size:18px;margin:0 0 16px}
.hero-copy .cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px}
.btn{display:inline-block;padding:12px 16px;border-radius:4px;border:1px solid #17314b;background:#17314b;color:#fff;font-weight:700}
.btn.secondary{background:#f4b400;border-color:#d29a00;color:#16324f}
.btn.light{background:#fff;color:#17314b}
.hero-media{position:relative;background:#fff;border:1px solid #d9e2eb;box-shadow:0 8px 18px rgba(0,0,0,.07);overflow:hidden}
.hero-media img{height:100%;object-fit:cover;min-height:420px}
.badge-note{position:absolute;left:14px;bottom:14px;background:rgba(255,255,255,.95);padding:10px 12px;font-size:14px;border-left:5px solid #f4b400;max-width:300px}
.section{padding:44px 0}
.section h2{margin:0 0 12px;font-size:34px;color:#17314b}
.section-intro{max-width:900px;margin-bottom:24px;font-size:17px}
.highlight-strip{background:#16324f;color:#fff;padding:18px 0}
.highlight-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.highlight-item{background:rgba(255,255,255,.08);padding:18px;border:1px solid rgba(255,255,255,.16);text-align:center}
.highlight-number{display:block;font-size:30px;font-weight:700;color:#f4c64d}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid #d6dfe8;box-shadow:0 6px 16px rgba(0,0,0,.05)}
.card-body{padding:18px}
.card h3{margin:0 0 10px;font-size:24px;color:#17314b}
.card p{margin:0 0 10px}
.card ul{margin:0;padding-left:20px}
.image-text{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
.image-text.reverse{grid-template-columns:1fr 1fr}
.image-wrap,.text-wrap{background:#fff;border:1px solid #d6dfe8;box-shadow:0 6px 16px rgba(0,0,0,.05)}
.image-wrap img{width:100%;height:100%;object-fit:cover;min-height:340px}
.text-wrap{padding:24px}
.text-wrap h3{margin-top:0;font-size:28px;color:#17314b}
.notice{background:#fff7db;border:1px solid #f0d177;padding:18px;margin:18px 0}
.aside-box{background:#f6f9fc;border:1px dashed #aac0d4;padding:18px;margin-top:18px}
.table-wrap{overflow-x:auto;background:#fff;border:1px solid #d6dfe8;box-shadow:0 6px 16px rgba(0,0,0,.05)}
table{width:100%;border-collapse:collapse;font-size:15px}
th,td{padding:12px;border:1px solid #d8e0e8;vertical-align:top}
th{background:#e8edf3;text-align:left}
.quote-list{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.quote{background:#fff;border-left:6px solid #f4b400;padding:20px;border:1px solid #d6dfe8;box-shadow:0 6px 16px rgba(0,0,0,.05)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.form-box,.contact-box{background:#fff;padding:22px;border:1px solid #d6dfe8;box-shadow:0 6px 16px rgba(0,0,0,.05)}
label{display:block;margin-bottom:6px;font-weight:700}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid #bcc9d6;border-radius:4px;margin-bottom:14px;font:inherit}
textarea{min-height:150px;resize:vertical}
.footer{background:#243547;color:#dce5ee;padding:36px 0 24px;margin-top:36px}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:26px}
.footer h3{color:#fff;margin-top:0}
.footer a{color:#f4c64d}
.small-note{font-size:13px;color:#c4d1dc;margin-top:20px;border-top:1px solid rgba(255,255,255,.12);padding-top:14px}
.page-hero{background:#16324f;color:#fff;padding:34px 0}
.page-hero h1{margin:0 0 10px;font-size:40px}
.kicker{display:inline-block;background:#f4b400;color:#16324f;padding:6px 10px;border-radius:3px;font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.04em;margin-bottom:10px}
.breadcrumb{font-size:14px;margin-top:10px;color:#dbe5ef}
.banner-warning{background:#f8e7b1;border:1px solid #e1c45f;padding:12px 14px;margin:16px 0 0;color:#51410d}
@media (max-width:1000px){.hero-grid,.cards,.image-text,.highlight-grid,.quote-list,.form-grid,.footer-grid{grid-template-columns:1fr 1fr}.hero-copy h1,.page-hero h1{font-size:34px}}
@media (max-width:740px){.hero-grid,.cards,.image-text,.highlight-grid,.quote-list,.form-grid,.footer-grid{grid-template-columns:1fr}.nav ul{gap:6px}.nav a{padding:8px 10px;font-size:14px}.hero-copy h1,.page-hero h1{font-size:30px}.hero-media img{min-height:280px}}