:root{--navy:#102f50;--blue:#1769aa;--teal:#0e8f78;--ink:#172b3a;--muted:#667789;--bg:#f4f7fa;--card:#fff;--line:#e2e8ee;--soft:#edf5fb;--max:1180px;--radius:18px;--shadow:0 8px 28px rgba(16,47,80,.07)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:Arial,"Noto Sans",sans-serif;line-height:1.7}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}.container{width:min(var(--max),calc(100% - 32px));margin:auto}
.topbar{background:#0b243e;color:#dce8f2;font-size:13px}.topbar .container{display:flex;justify-content:space-between;padding:7px 0}
.header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--line)}.header-in{height:76px;display:flex;align-items:center;gap:28px}.logo{font-size:27px;font-weight:900;color:var(--navy);white-space:nowrap}.logo b{color:var(--teal)}
.nav{display:flex;align-items:center;gap:4px;margin-left:auto}.nav a{padding:10px 11px;border-radius:10px;font-size:14px;font-weight:700;color:#33485b}.nav a:hover,.nav a.active{background:var(--soft);color:var(--blue)}
.menu{display:none;border:0;background:none;font-size:28px;color:var(--navy)}
.hero{background:linear-gradient(135deg,#eaf4fb 0%,#fff 62%);padding:76px 0 68px}.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:55px;align-items:center}.eyebrow{color:var(--teal);font-weight:900;text-transform:uppercase;font-size:13px;letter-spacing:.8px}
h1{font-size:clamp(38px,5vw,60px);line-height:1.08;color:var(--navy);margin:10px 0 18px;letter-spacing:-1.5px}h2{font-size:31px;line-height:1.2;color:var(--navy);margin:0 0 12px}h3{color:var(--navy);margin:0 0 7px}.lead{font-size:19px;color:var(--muted);max-width:750px}.btn{display:inline-block;background:var(--navy);color:#fff;padding:12px 19px;border-radius:10px;font-weight:800;margin-top:10px}.btn.alt{background:#e7f5f1;color:#08725f}
.hero-panel{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:var(--shadow)}.hero-number{font-size:54px;font-weight:900;color:var(--teal)}.hero-panel p{color:var(--muted)}
.section{padding:62px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:25px}.section-head p{margin:0;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:19px}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:23px;box-shadow:var(--shadow);transition:.18s}.card:hover{transform:translateY(-3px);border-color:#cbdbe8}.card p{color:var(--muted);margin:7px 0 10px}.icon{height:47px;width:47px;display:grid;place-items:center;background:var(--soft);border-radius:12px;font-size:22px;margin-bottom:13px}.arrow{font-weight:900;color:var(--teal)}
.band{background:var(--navy);color:#fff;padding:45px 0}.band h2{color:#fff}.band p{color:#d7e2ec}.band-grid{display:grid;grid-template-columns:2fr 1fr;gap:30px;align-items:center}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:25px}.stat{background:#fff;border:1px solid var(--line);border-radius:14px;padding:19px}.stat strong{font-size:28px;color:var(--navy);display:block}.stat span{color:var(--muted);font-size:13px}
.breadcrumb{padding:18px 0;color:var(--muted);font-size:13px}.breadcrumb a{color:var(--blue)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:28px}.article{background:#fff;border:1px solid var(--line);border-radius:18px;padding:36px;box-shadow:var(--shadow)}.article h1{font-size:43px}.article h2{font-size:28px;margin-top:32px}.article p,.article li{font-size:17px}.article ul{padding-left:24px}
.sidebar{display:grid;align-content:start;gap:17px}.side{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px}.side ul{list-style:none;padding:0;margin:10px 0}.side li{border-bottom:1px solid var(--line);padding:8px 0}.side li:last-child{border:0}
.notice{background:#fff8e7;border:1px solid #efd38d;color:#674f00;border-radius:12px;padding:15px;margin:20px 0}.faq{background:#fff;border:1px solid var(--line);border-radius:12px;margin:10px 0}.faq summary{padding:16px;cursor:pointer;font-weight:800;color:var(--navy)}.faq div{padding:0 16px 16px;color:var(--muted)}
.search{display:flex;gap:8px;margin:22px 0}.search input{flex:1;border:1px solid var(--line);border-radius:10px;padding:13px;font-size:16px}.search button{border:0;background:var(--navy);color:#fff;border-radius:10px;padding:0 20px;font-weight:800}
.tag{display:inline-block;background:#eef6f4;color:#08725f;border-radius:20px;padding:5px 10px;font-size:12px;font-weight:800;margin:2px}
.footer{background:#0a2239;color:#cad6e1;margin-top:55px;padding:45px 0 18px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}.footer h3{color:#fff}.footer a{color:#cad6e1}.footer-bottom{border-top:1px solid rgba(255,255,255,.13);margin-top:28px;padding-top:17px;font-size:13px}
@media(max-width:900px){.nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 16px;flex-direction:column;align-items:stretch}.nav.open{display:flex}.menu{display:block;margin-left:auto}.hero-grid,.band-grid,.layout{grid-template-columns:1fr}.grid4{grid-template-columns:repeat(2,1fr)}.grid{grid-template-columns:repeat(2,1fr)}.stats{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.container{width:calc(100% - 22px)}.topbar .container{display:none}.header-in{height:68px}.nav{top:68px}.hero{padding:48px 0}.grid,.grid4,.stats{grid-template-columns:1fr}.section{padding:45px 0}.article{padding:22px}.article h1{font-size:33px}.hero h1{font-size:37px}}

.filter-btn{border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 15px;cursor:pointer;font-weight:700}.filter-btn.active{background:var(--navy);color:#fff}.company-filter{border-bottom:1px solid var(--line);padding-bottom:4px}