:root{
    --bg:#f3f8ff;
    --ink:#0b1220;
    --muted:#5a6473;
    --brand:#2d7eff;
    --card:#ffffff;
    --border:#e1ebfb;
    --shadow:0 10px 30px rgba(45,126,255,.10);
    --accent:#0ea5a4;
  }

  *{
    box-sizing:border-box;
  }

  html,
  body{
    margin:0;
  }

  body{
    font:16px/1.65 system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
    color:var(--ink);
    background:var(--bg);
  }

  img{
    max-width:100%;
    height:auto;
    display:block;
  }

  a{
    color:var(--brand);
    text-decoration:none;
  }

  .wrap{
    max-width:1160px;
    margin:0 auto;
    padding:clamp(16px,2.4vw,28px);
  }

  .breadcrumbs{
    font-size:13px;
    color:var(--muted);
    margin:8px 0 12px;
  }

  .breadcrumbs a{
    color:var(--muted);
  }

  .hero{
    display:grid;
    gap:clamp(16px,2.2vw,28px);
    grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);
    align-items:center;
  }

  .pre{
    display:inline-block;
    background:#eaf2ff;
    color:#0a3ea8;
    border-radius:999px;
    padding:6px 12px;
    font-weight:700;
    font-size:13px;
  }

  h1.title{
    font-size:clamp(28px,3.2vw,42px);
    line-height:1.12;
    margin:10px 0;
    color:#0d2b6b;
  }

  .subtitle{
    color:var(--muted);
    margin:8px 0 14px;
  }

  .pills{
    display:flex;
    flex-wrap:wrap;
    gap:10px;
    margin:12px 0 0;
  }

  .pill{
    background:#fff;
    border:1px solid var(--border);
    border-radius:999px;
    padding:6px 12px;
    font-size:13px;
  }

  .hero img{
    width:100%;
    height:auto;
    object-fit:contain;
    border-radius:18px;
    border:1px solid var(--border);
    box-shadow:var(--shadow);
    background:#fff;
  }

  .cta-row{
    display:flex;
    gap:12px;
    flex-wrap:wrap;
    margin:14px 0;
  }

  .btn{
    border:0;
    border-radius:12px;
    padding:12px 18px;
    font-weight:800;
    cursor:pointer;
    display:inline-block;
  }

  .btn-primary{
    background:var(--brand);
    color:#fff;
    box-shadow:var(--shadow);
  }

  .btn-outline{
    background:#fff;
    border:2px solid var(--brand);
    color:var(--brand);
  }

  .kpis{
    display:grid;
    gap:14px;
    margin-top:16px;
    grid-template-columns:repeat(auto-fit,minmax(220px,1fr));
  }

  .kpi{
    background:var(--card);
    border:1px solid var(--border);
    border-radius:14px;
    padding:16px;
    text-align:center;
    box-shadow:var(--shadow);
  }

  .kpi b{
    font-size:18px;
    color:#0d2b6b;
  }

  h2{
    font-size:clamp(22px,2.2vw,30px);
    margin:0 0 14px;
    color:#0d2b6b;
  }

  h3{
    font-size:clamp(18px,1.8vw,20px);
    margin:0 0 10px;
  }

  .grid{
    display:grid;
    gap:clamp(16px,2.2vw,26px);
    margin:clamp(20px,3vw,34px) 0;
    grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
  }

  .card{
    background:#fff;
    border:1px solid var(--border);
    border-radius:18px;
    padding:clamp(16px,2vw,22px);
    box-shadow:var(--shadow);
  }

  ul{
    margin:0;
    padding-left:18px;
  }

  ul li{
    margin:8px 0;
  }

  .stripe{
    background:linear-gradient(180deg,#ffffff 0%,#f7fbff 100%);
    border:1px solid var(--border);
    border-radius:18px;
    box-shadow:var(--shadow);
    padding:clamp(16px,2vw,22px);
    margin:clamp(20px,3vw,34px) 0;
  }

  .steps{
    display:grid;
    gap:12px;
  }

  .step{
    display:flex;
    gap:14px;
  }

  .num{
    min-width:34px;
    height:34px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    border-radius:10px;
    background:#eaf2ff;
    color:#0d2b6b;
    font-weight:800;
  }

  .ba-section{
    background:#fff;
    border:1px solid var(--border);
    border-radius:18px;
    box-shadow:var(--shadow);
    padding:clamp(16px,2vw,26px);
    margin:clamp(20px,3vw,40px) 0;
  }

  .ba-gallery{
    display:grid;
    gap:clamp(12px,1.8vw,20px);
    grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
  }

  .ba-card{
    background:#f9fbff;
    border:1px solid var(--border);
    border-radius:14px;
    box-shadow:var(--shadow);
    padding:10px;
    position:relative;
    overflow:hidden;
    text-align:center;
  }

  .ba-imgwrap{
    position:relative;
    aspect-ratio:4 / 3;
    overflow:hidden;
    border-radius:12px;
    background:#eef5ff;
  }

  .ba-imgwrap img{
    width:100%;
    height:100%;
    object-fit:cover;
    border-radius:12px;
    border:1px solid var(--border);
    box-shadow:0 4px 16px rgba(0,0,0,.08);
  }

  .ba-badge{
    position:absolute;
    top:10px;
    left:10px;
    z-index:2;
    background:rgba(13,43,107,.92);
    color:#fff;
    font-weight:800;
    font-size:12px;
    padding:6px 10px;
    border-radius:999px;
    letter-spacing:.2px;
  }

  .ba-label{
    font-weight:800;
    color:var(--brand);
    margin:10px 0 4px;
  }

  .ba-desc{
    font-size:14px;
    color:var(--muted);
  }

  .notice{
    font-size:13px;
    color:var(--muted);
    margin-top:12px;
    text-align:center;
  }

  .cta-block{
    text-align:center;
    margin:clamp(28px,4vw,44px) 0;
  }

  .cta-block p{
    color:var(--muted);
  }

  footer{
    margin:40px 0 18px;
    text-align:center;
    color:var(--muted);
    font-size:14px;
  }

  @media (max-width:960px){
    .hero{
      grid-template-columns:1fr;
    }
  }

  @media (max-width:640px){
    body{
      font-size:15px;
    }

    .wrap{
      padding:16px;
    }

    .cta-row{
      flex-direction:column;
    }

    .btn{
      width:100%;
      text-align:center;
    }

    .step{
      align-items:flex-start;
    }
  }