:root{
      --primary:#0f4c81;
      --accent:#2dd4bf;
      --bg:#f7f8fb;
      --text:#1a1a1a;
      --muted:#667085;
    }
    html,body{margin:0;padding:0;font-family:Inter,Segoe UI,Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.6}
    .container{max-width:1040px;margin:0 auto;padding:24px}
    .hero{background:linear-gradient(180deg,#ffffff, #eef3f9);border-radius:20px;padding:40px;display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:center;box-shadow:0 10px 30px rgba(15,76,129,.06)}
    .badge{display:inline-block;background:var(--accent);color:#053b4c;font-weight:700;border-radius:999px;padding:6px 12px;font-size:12px;letter-spacing:.08em;text-transform:uppercase}
    h1{font-size:36px;line-height:1.2;margin:16px 0 8px}
    h2{font-size:28px;margin:32px 0 12px}
    h3{font-size:20px;margin:20px 0 8px}
    p{margin:8px 0}
    .muted{color:var(--muted)}
    .grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
    .grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
    .card{background:#fff;border-radius:16px;padding:18px;box-shadow:0 8px 24px rgba(0,0,0,.05)}
    .list{padding-left:18px}
    .kpi{display:flex;gap:14px;align-items:flex-start}
    .kpi b{display:block;font-size:15px}
    .icon{width:18px;height:18px;border-radius:6px;background:var(--primary);display:inline-block;margin-top:4px}
    .cta-bar{position:sticky;bottom:0;background:#0f4c81;color:#fff;display:flex;gap:14px;justify-content:center;align-items:center;padding:14px 16px;z-index:10}
    .btn{background:#fff;color:#0f4c81;border:none;border-radius:999px;padding:10px 18px;font-weight:700;cursor:pointer}
    .table{width:100%;border-collapse:separate;border-spacing:0 8px}
    .table th, .table td{background:#fff;padding:12px;border:none}
    .table th{text-align:left;color:var(--muted);font-weight:600}
    .table tr{box-shadow:0 4px 14px rgba(0,0,0,.05);border-radius:12px}
    .hint{font-size:12px;color:var(--muted)}
    .faq details{background:#fff;border-radius:12px;padding:14px 16px;margin-bottom:10px;box-shadow:0 6px 18px rgba(0,0,0,.05)}
    .tag{display:inline-block;background:#e6eef7;color:#0f4c81;border-radius:8px;padding:4px 8px;margin:4px 6px 0 0;font-size:12px}
    @media (max-width:900px){
      .hero{grid-template-columns:1fr}
    }