:root{
  --navy:#082b49;--navy2:#0d416d;--gold:#e6a318;--gold2:#ffc44a;
  --ink:#142230;--muted:#667582;--light:#f4f7fa;--white:#fff;--line:#dce5ec;
  --ok:#1b7f5a;--shadow:0 16px 45px rgba(8,43,73,.12)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:inherit;text-decoration:none}img{max-width:100%}.container{width:min(1160px,92%);margin:auto}
.topbar{background:var(--navy);color:#fff;font-size:.9rem;padding:.55rem 0}.topbar .container{display:flex;gap:1.4rem;justify-content:flex-end;flex-wrap:wrap}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:82px;gap:2rem}.brand{display:flex;align-items:center;gap:.8rem;font-weight:800;color:var(--navy)}
.brand img{height:58px;width:auto}.brand-text small{display:block;font-size:.68rem;letter-spacing:.13em;color:var(--muted)}
nav{display:flex;gap:1.15rem;align-items:center;font-weight:700;font-size:.93rem}nav a:hover{color:var(--gold)}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:800;padding:.85rem 1.18rem;border-radius:.4rem;border:2px solid var(--gold);cursor:pointer}
.btn:hover{background:var(--gold2)}.btn-outline{background:transparent;color:#fff;border-color:#fff}.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.hero{background:linear-gradient(102deg,rgba(8,43,73,.97),rgba(8,43,73,.76)),radial-gradient(circle at 88% 40%,#416a89,transparent 44%);color:#fff;padding:96px 0 88px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:4rem}.kicker{color:var(--gold2);font-weight:800;letter-spacing:.14em;text-transform:uppercase}
h1{font-size:clamp(2.5rem,5vw,4.8rem);line-height:1.02;margin:.7rem 0 1.2rem}h2{font-size:clamp(2rem,3.4vw,3rem);color:var(--navy);margin:.2rem 0 1rem}h3{color:var(--navy);margin-top:0}
.hero p{font-size:1.15rem;max-width:700px;color:#e8eff5}.actions{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.7rem}
.hero-card{background:#fff;color:var(--ink);border-radius:1rem;padding:1.5rem;box-shadow:var(--shadow);border-top:7px solid var(--gold)}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:.7rem;margin-top:1rem}.stat{background:var(--light);border-radius:.6rem;padding:1rem;text-align:center}.stat strong{display:block;color:var(--navy);font-size:1.6rem}
section{padding:76px 0}.section-head{max-width:760px;margin-bottom:2.2rem}.lead{font-size:1.1rem;color:var(--muted)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem}
.card{background:#fff;border:1px solid var(--line);border-radius:.8rem;padding:1.45rem;box-shadow:0 8px 24px rgba(8,43,73,.05)}.card .icon{font-size:1.8rem}
.alt{background:var(--light)}.band{background:var(--navy);color:#fff}.band h2{color:#fff}.goldline{width:72px;height:5px;background:var(--gold);border-radius:8px;margin:.6rem 0 1.3rem}
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}.step{position:relative;background:#fff;padding:1.4rem;border-radius:.7rem;border:1px solid var(--line)}.step:before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:38px;height:38px;background:var(--gold);color:var(--navy);font-weight:900;border-radius:50%;margin-bottom:.8rem}
form{display:grid;gap:1rem}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}label{font-weight:700;color:var(--navy);font-size:.92rem}input,select,textarea{width:100%;padding:.82rem;border:1px solid #b9c7d2;border-radius:.4rem;font:inherit;margin-top:.3rem}textarea{min-height:120px}.notice{padding:.85rem 1rem;background:#fff7df;border-left:4px solid var(--gold);font-size:.92rem}.success{background:#eaf8f2;border-left-color:var(--ok)}
.portal-tabs{display:flex;gap:.7rem;flex-wrap:wrap;margin-bottom:1.2rem}.tab{padding:.75rem 1rem;background:#e5ecf2;color:var(--navy);font-weight:800;border:0;border-radius:.35rem;cursor:pointer}.tab.active{background:var(--navy);color:#fff}.panel{display:none}.panel.active{display:block}
.match{border-left:5px solid var(--gold);padding:1rem;margin:.8rem 0;background:#fff;border-radius:.4rem}.match strong{color:var(--navy)}
footer{background:#051e33;color:#d9e4ed;padding:45px 0 25px}footer h3{color:#fff}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:2rem}.fine{border-top:1px solid #29465d;margin-top:2rem;padding-top:1rem;font-size:.86rem;color:#aabac7}
.mobile-toggle{display:none;background:none;border:0;font-size:1.7rem;color:var(--navy)}
@media(max-width:850px){.hero-grid,.grid3,.grid2,.steps,.footer-grid{grid-template-columns:1fr}.hero{padding-top:64px}.hero-card{max-width:580px}.mobile-toggle{display:block}nav{display:none;position:absolute;left:0;right:0;top:82px;background:#fff;padding:1rem 4%;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}nav.open{display:flex}.form-grid{grid-template-columns:1fr}.stats{grid-template-columns:1fr 1fr 1fr}}