:root{
      --brand:#0a3a67; --accent:#ff7a00; --muted:#5f6c7b; --bg:#f7fafc; --card:#ffffff; --ok:#0ea5e9;
    }
    *{box-sizing:border-box}
    body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,Helvetica,Arial,sans-serif;color:#0b1220;background:var(--bg);line-height:1.6}
    .wrap{max-width:1120px;margin:auto;padding:28px}
    .hero{background:linear-gradient(180deg,#fff, #eef5fb);border-radius:20px;padding:36px 28px;display:grid;grid-template-columns:1.2fr 1fr;gap:24px;align-items:center}
    .hero h1{margin:0 0 8px 0;font-size:clamp(28px,4.2vw,42px);color:var(--brand)}
    .badge{display:inline-block;background:var(--accent);color:#fff;font-weight:700;padding:6px 10px;border-radius:999px;font-size:12px;letter-spacing:.4px}
    .hero p{margin:10px 0 16px 0;color:var(--muted)}
    .cta{display:flex;gap:12px;flex-wrap:wrap}
    .btn{appearance:none;border:0;border-radius:12px;padding:12px 16px;font-weight:700;cursor:pointer}
    .btn-primary{background:var(--brand);color:#fff}
    .btn-ghost{background:#fff;color:var(--brand);border:2px solid var(--brand)}
    .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}
    .card{background:var(--card);border:1px solid #e7eef6;border-radius:16px;overflow:hidden;box-shadow:0 6px 20px rgba(10,58,103,.06)}
    .card img{width:100%;height:160px;object-fit:cover;background:#f2f6fb}
    .card .c-body{padding:16px}
    .card h3{margin:0 0 6px 0;font-size:18px;color:#091b2a}
    .kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:28px 0}
    .kpi{background:#fff;border:1px solid #e7eef6;border-radius:14px;padding:14px;text-align:center}
    .kpi .big{font-size:22px;font-weight:800;color:var(--brand)}
    .table{overflow:auto;background:#fff;border-radius:14px;border:1px solid #e7eef6}
    table{border-collapse:collapse;width:100%}
    th,td{padding:12px 14px;border-bottom:1px solid #eef3f9;font-size:14px}
    th{background:#f4f8fd;text-align:left;color:#2b3b4a}
    .faq{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:28px}
    details{background:#fff;border:1px solid #e7eef6;border-radius:12px;padding:14px}
    summary{font-weight:700;color:#0b2743;cursor:pointer}
    .note{font-size:13px;color:#6b7280}
    @media (max-width:960px){
      .hero{grid-template-columns:1fr}
      .cards{grid-template-columns:1fr 1fr}
      .faq{grid-template-columns:1fr}
    }
    @media (max-width:640px){
      .cards{grid-template-columns:1fr}
    }