:root{--navy:#142D4C;--port:#385170;--silver:#B0B8C1;--soft:#F5F7FA;--gold:#E0A030;--green:#3E9B6A;--teal:#2A9DAA;--ink:#25364A}
*{box-sizing:border-box;margin:0}body{font:16px/1.65 'Open Sans',Arial,sans-serif;color:var(--ink);background:var(--soft)}
h1,h2,h3,.logo{font-family:Montserrat,Arial,sans-serif;color:var(--navy);line-height:1.2}
a{color:var(--port)}.wrap{max-width:1040px;margin:auto;padding:0 20px}
header{background:var(--navy);position:sticky;top:0;z-index:5}header .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;padding:12px 20px}
.logo{color:#fff;font-weight:700;text-decoration:none;font-size:18px}.logo b{color:var(--gold)}
nav a{color:#cfdbe8;text-decoration:none;margin-left:18px;font-size:14px;font-weight:600}nav a:hover,nav a.on{color:var(--gold)}
.hero{background:linear-gradient(#0B1D33,#2A5788);color:#fff;padding:70px 0 0;overflow:hidden}
.hero h1{color:#fff;font-size:clamp(32px,6vw,54px);max-width:640px}.hero h1 .g{color:var(--gold)}.hero p{max-width:540px;margin:18px 0 26px;color:#d5dfea}
.hero.sm{padding:48px 0 40px}.hero.sm h1{font-size:clamp(28px,5vw,40px)}
.btn{display:inline-block;background:var(--gold);color:var(--navy);padding:12px 24px;border-radius:8px;font-weight:700;text-decoration:none}
.btn.o{background:none;border:2px solid #fff;color:#fff;margin-left:8px}
svg{display:block;width:100%;height:auto;margin-top:30px}
section{padding:56px 0}section.alt{background:#fff}h2{font-size:28px;margin-bottom:14px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin-top:22px}
.card{background:#fff;border-radius:12px;padding:22px;box-shadow:0 2px 10px rgba(20,45,76,.08);border-top:5px solid var(--gold)}
.alt .card{background:var(--soft)}.card.g{border-color:var(--green)}.card.t{border-color:var(--teal)}.card.p{border-color:var(--port)}
.card h3{font-size:17px;margin-bottom:8px}.tag{font-size:12px;font-weight:700;letter-spacing:.08em;color:var(--gold);text-transform:uppercase}
ul{padding-left:20px}li{margin:6px 0}.band{background:var(--navy);color:#fff;text-align:center;padding:48px 20px}.band h2{color:#fff}.band p{color:#cfdbe8;margin-bottom:20px}
footer{background:#0B1D33;color:#9FB4CC;font-size:14px;padding:28px 0}footer a{color:var(--gold)}
@media(max-width:600px){nav a{margin:0 12px 0 0}header .wrap{gap:8px}}
.f{margin-top:20px;max-width:680px;display:grid;gap:14px}.f .r{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
.f label{font-weight:600;font-size:14px;color:var(--navy);display:grid;gap:6px}
.f input,.f select,.f textarea{font:inherit;padding:11px 12px;border:1px solid var(--silver);border-radius:8px;background:#fff;color:var(--ink)}
.f input:focus,.f select:focus,.f textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}.f button{border:0;cursor:pointer;font:inherit;font-weight:700;justify-self:start}

.card h3 a{color:inherit;text-decoration:none}.card h3 a:hover{color:var(--gold)}
.pimg{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:8px;margin:10px 0;background:#e8edf3}
.flt{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:6px}.flt button{border:2px solid var(--navy);background:#fff;color:var(--navy);border-radius:20px;padding:6px 16px;font:inherit;font-weight:600;cursor:pointer}.flt button.on{background:var(--navy);color:#fff}
button.btn{border:0;cursor:pointer;font:inherit;font-weight:700}.btn.o2{background:none;border:2px solid var(--navy);color:var(--navy);margin-left:8px}#msg{margin-top:12px;font-weight:600}

.wa{position:fixed;right:18px;bottom:18px;width:56px;height:56px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 14px rgba(0,0,0,.3);z-index:9}.wa:hover{transform:scale(1.07)}.f h3{margin-top:8px}.tabs{display:flex;gap:8px;flex-wrap:wrap;margin:30px 0 20px}.tabs button{border:2px solid var(--navy);background:#fff;color:var(--navy);border-radius:8px;padding:9px 18px;font:inherit;font-weight:700;cursor:pointer}.tabs button.on{background:var(--navy);color:#fff}
.hint{margin-top:12px;font-size:13px;color:#5B6B7D}.f textarea{resize:vertical}