:root{--navy:#062238;--navy2:#0b3454;--gold:#c99a33;--text:#14253a;--muted:#5d6b7a;--bg:#f5f8fb;--card:#fff;--border:#dfe7ef;--max:1180px}
*{box-sizing:border-box}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:var(--bg);line-height:1.65}
a{text-decoration:none;color:inherit}
a:hover{color:var(--gold)}
.header{background:linear-gradient(90deg,var(--navy),var(--navy2));color:#fff}
.header-inner{max-width:var(--max);margin:auto;padding:18px 24px;display:grid;grid-template-columns:320px 1fr auto;gap:30px;align-items:center}
.brand{display:flex;align-items:center;gap:14px;color:#fff}
.brand img{width:58px;height:auto}
.brand strong{display:block;font-size:1.25rem}
.brand span{display:block;opacity:.88}
.nav{display:flex;justify-content:center;gap:28px;flex-wrap:wrap}
.nav a{color:#fff;font-weight:800}
.btn{display:inline-block;background:var(--gold);color:#111;padding:14px 26px;border-radius:10px;font-weight:800}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:64px 24px 72px}
.hero-inner{max-width:var(--max);margin:auto}
.breadcrumb{margin-bottom:24px;color:#dbe8f4;font-weight:700}
.breadcrumb a{color:var(--gold)}
.hero h1{max-width:900px;margin:0 0 24px;color:#fff;font-size:clamp(2.4rem,5vw,4.7rem);line-height:1.08}
.hero p{max-width:900px;color:#eef6fb;font-size:1.18rem}
.main{max-width:var(--max);margin:auto;padding:42px 24px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:42px;align-items:start}
.card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:26px 30px;margin-bottom:18px;box-shadow:0 10px 28px rgba(6,34,56,.07)}
.card h2,.card h3{margin-top:0;color:var(--navy)}
.section-title{margin:28px 0 18px;padding-top:12px;border-top:3px solid var(--gold);color:var(--navy)}
.sidebar{background:#edf4f8;border:1px solid var(--border);border-radius:18px;padding:26px;position:sticky;top:24px}
.sidebar h2,.sidebar h3{margin-top:0;color:var(--navy)}
.cta{background:linear-gradient(90deg,var(--navy),var(--navy2));color:#fff;border-radius:18px;padding:30px;margin-top:28px}
.cta h2,.cta p{color:#fff}
.footer{background:var(--navy);color:#fff;margin-top:40px}
.footer-inner{max-width:var(--max);margin:auto;padding:34px 24px;display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.footer a{color:#fff}
.copyright{border-top:1px solid rgba(255,255,255,.18);text-align:center;padding:14px 24px;color:#dbe8f4}
@media(max-width:900px){.header-inner,.layout,.footer-inner{grid-template-columns:1fr}.nav{justify-content:flex-start}.sidebar{position:static}}