:root{--bg:#f6f8fb;--card:#ffffff;--text:#0b1220;--muted:#4b5565;--brand:#0a66c2;--brand2:#0ea5e9;--line:rgba(15,23,42,.10);--shadow:0 18px 60px rgba(2,6,23,.10);--radius:18px;--max:1300px}
*{box-sizing:border-box}
body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.65}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:var(--max);margin:0 auto;padding:22px}
.topbar{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.85);backdrop-filter:saturate(120%) blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:10px 22px;max-width:var(--max);margin:0 auto}
.brand{display:flex;align-items:center;gap:10px;font-weight:800}
.brand .dot{width:10px;height:10px;border-radius:50%;background:linear-gradient(135deg,var(--brand),var(--brand2))}
.nav a{font-weight:650}
.nav .links{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:18px;align-items:center;padding:26px;border-radius:var(--radius);
  background:radial-gradient(850px 420px at 10% -10%, rgba(14,165,233,.20), transparent 60%),
             radial-gradient(750px 420px at 110% 0%, rgba(10,102,194,.18), transparent 55%), #fff;
  box-shadow:var(--shadow);border:1px solid var(--line)}
.hero h1{margin:0 0 10px;font-size:27px;line-height:1.15}
.hero p{margin:0 0 14px;color:var(--muted)}
.badges{display:flex;gap:10px;flex-wrap:wrap;margin:10px 0 16px}
.badge{font-size:13px;padding:6px 10px;border-radius:999px;border:1px solid var(--line);background:#fff}
.ctaRow{display:flex;gap:10px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;gap:8px;padding:10px 14px;border-radius:12px;border:1px solid var(--line);background:#fff;font-weight:750}
.btn.primary{background:linear-gradient(135deg,var(--brand),var(--brand2));border:none;color:#fff}
.hero img{width:100%;height:auto;border-radius:16px;border:1px solid var(--line);box-shadow:0 12px 35px rgba(2,6,23,.12)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 12px 35px rgba(2,6,23,.06);padding:18px}
.card h2,.card h3{margin:0 0 10px}
.muted{color:var(--muted)}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:14px}
.kpi{background:#fff;border:1px solid var(--line);border-radius:16px;padding:12px}
.kpi .n{font-weight:900;font-size:16px}
.kpi .t{color:var(--muted);font-size:13px}
hr.sep{border:none;border-top:1px solid var(--line);margin:18px 0}
.tableWrap{overflow:auto;border:1px solid var(--line);border-radius:14px}
table{width:100%;border-collapse:collapse;background:#fff}
th,td{padding:12px 12px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#f8fafc;text-align:left}
.small{font-size:13px;color:var(--muted)}
.notice{border-left:4px solid var(--brand2);background:rgba(14,165,233,.08);padding:12px 14px;border-radius:14px}
.faq details{border:1px solid var(--line);border-radius:14px;padding:12px 14px;background:#fff}
.faq details+details{margin-top:10px}
.faq summary{cursor:pointer;font-weight:750}
footer{margin-top:24px}
.footerTop{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:14px}
footer .card{box-shadow:none}
footer ul{list-style:none;padding:0;margin:0}
footer li{padding:4px 0}
.bottom{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;color:var(--muted);font-size:13px;margin-top:10px}
@media (max-width:980px){.hero{grid-template-columns:1fr}.kpis{grid-template-columns:repeat(2,1fr)}.footerTop{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.grid2{grid-template-columns:1fr}.footerTop{grid-template-columns:1fr}.hero h1{font-size:28px}}