:root{
      --ink:#0f1a2e; --muted:#44506a; --brand:#1f86ff; --bg:#f8fbff; --card:#ffffff;
      --radius:16px; --shadow:0 12px 36px rgba(15,26,46,.08);
    }
    *{box-sizing:border-box}
    html,body{margin:0}
    body{font:16px/1.7 Inter,system-ui,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
    a{color:var(--brand);text-decoration:none}
    img{max-width:100%;height:auto;display:block}
    .wrap{max-width:980px;margin:0 auto;padding:clamp(16px,3vw,28px)}
    header h1{font-size:clamp(28px,4.2vw,44px);line-height:1.15;margin:6px 0 8px}
    .lead{color:var(--muted);font-size:clamp(16px,1.4vw,18px)}
    .hero-card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:clamp(18px,2.4vw,28px);display:grid;grid-template-columns:1.1fr .9fr;gap:20px;align-items:center}
    @media (max-width: 920px){ .hero-card{grid-template-columns:1fr} }
    .btn{display:inline-block;background:var(--brand);color:#fff;padding:12px 18px;border-radius:999px;font-weight:800}
    .btn.ghost{background:#e7f1ff;color:#0b3d91}
    .cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:12px}
    h2{font-size:clamp(22px,3vw,32px);margin:28px 0 10px}
    h3{font-size:clamp(18px,2.2vw,22px);margin:18px 0 8px}
    .card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px;margin:18px 0}
    ul,ol{padding-left:20px}
    .note{background:#f0f6ff;border-left:4px solid var(--brand);padding:12px;border-radius:10px;margin:14px 0}
    .grid{display:grid;grid-template-columns:repeat(12,1fr);gap:18px}
    .col-6{grid-column:span 6}
    .col-12{grid-column:span 12}
    @media (max-width: 900px){ .col-6{grid-column:1/-1} }
    footer{color:#6b7894;text-align:center;padding:28px}