:root {
  color-scheme: light;
  --ink: #142235; --body: #3b4757; --muted: #5b6676; --bg: #ffffff; --soft: #f5f7fa; --soft2: #eef2f7;
  --line: #e1e6ed; --navy: #17365d; --navy-2: #0f2744; --accent: #c7651c; --link: #1c4d86;
  --radius: 14px; --shadow: 0 1px 2px rgba(16, 34, 58, .06), 0 8px 24px rgba(16, 34, 58, .06);
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0; background: var(--bg); color: var(--body);
  font: 17px/1.65 system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}
h1, h2, h3 { color: var(--ink); letter-spacing: -.01em; }
a { color: var(--link); }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; border-radius: 4px; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 16px; }
@media (min-width: 700px) { .wrap { padding: 0 28px; } }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 8px; background: #fff; padding: 8px 12px; z-index: 20; }

/* header */
.top { position: sticky; top: 0; z-index: 10; background: rgba(255, 255, 255, .92);
  backdrop-filter: saturate(160%) blur(8px); border-bottom: 1px solid var(--line); }
.bar { display: flex; align-items: center; gap: 24px; min-height: 66px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink);
  font-size: 19px; font-weight: 800; letter-spacing: .02em; }
.logo b { font-weight: 500; color: var(--muted); }
.mark { width: 32px; height: 32px; flex: none; }
.nav { display: flex; gap: 22px; margin-left: auto; }
.nav a { color: var(--body); text-decoration: none; font-size: 15px; font-weight: 500; }
.nav a:hover { color: var(--navy); }
.lang { font-size: 14px; font-weight: 600; text-decoration: none; color: var(--navy);
  border: 1px solid var(--line); border-radius: 999px; padding: 5px 12px; }
.lang:hover { background: var(--soft); }
@media (max-width: 760px) { .nav { display: none; } .lang { margin-left: auto; } }

/* hero */
.hero { background:
    radial-gradient(900px 420px at 85% -10%, rgba(23, 54, 93, .10), transparent 60%),
    radial-gradient(600px 300px at 0% 110%, rgba(199, 101, 28, .07), transparent 60%),
    linear-gradient(180deg, #fbfcfe, #f3f6fa);
  border-bottom: 1px solid var(--line); padding: 64px 0 72px; }
.hero-grid { display: grid; grid-template-columns: 1.25fr .9fr; gap: 56px; align-items: center; }
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; gap: 40px; } }
.eyebrow { display: inline-block; margin: 0 0 16px; font-size: 13px; font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; color: var(--accent); }
h1 { font-size: clamp(32px, 4.6vw, 52px); line-height: 1.1; margin: 0 0 20px; }
.lead { font-size: 19px; color: var(--body); max-width: 56ch; margin: 0 0 30px; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn { display: inline-flex; align-items: center; gap: 9px; background: var(--navy); color: #fff;
  text-decoration: none; font-weight: 600; padding: 13px 22px; border-radius: 10px; border: 1px solid var(--navy);
  box-shadow: 0 6px 16px rgba(23, 54, 93, .18); overflow-wrap: anywhere; }
.btn:hover { background: var(--navy-2); }
.btn.ghost { background: #fff; color: var(--navy); border-color: var(--line); box-shadow: none; }
.btn.ghost:hover { background: var(--soft); }
.btn.light { background: #fff; color: var(--navy); border-color: #fff; flex: none; white-space: nowrap; overflow-wrap: normal; }
.btn-ico { width: 18px; height: 18px; flex: none; }

/* hero document illustration */
.doc { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 26px;
  box-shadow: 0 2px 4px rgba(16, 34, 58, .05), 0 24px 48px rgba(16, 34, 58, .12); transform: rotate(1.2deg); }
.doc-head { display: flex; gap: 14px; align-items: center; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.doc-head strong { display: block; color: var(--ink); font-size: 17px; }
.doc-head span { font-size: 14px; color: var(--muted); }
.doc-ico, .card-ico { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  background: var(--soft2); color: var(--navy); flex: none; }
.doc-ico .ico, .card-ico .ico { width: 26px; height: 26px; }
.doc ul { list-style: none; padding: 0; margin: 16px 0 20px; }
.doc li { display: flex; align-items: center; gap: 10px; padding: 9px 0; color: var(--ink); font-size: 15px;
  border-bottom: 1px dashed var(--line); }
.doc li:last-child { border-bottom: 0; }
.doc-bar { height: 8px; border-radius: 99px; background: var(--soft2); overflow: hidden; }
.doc-bar span { display: block; width: 100%; height: 100%; background: linear-gradient(90deg, var(--navy), #2f6db5); }
.tick { width: 18px; height: 18px; flex: none; color: #fff; background: #2e8b57; border-radius: 50%; padding: 3px;
  stroke-width: 2.6; }

/* stats */
.stats { border-bottom: 1px solid var(--line); background: #fff; }
.stats-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.stat { padding: 30px 24px; border-left: 1px solid var(--line); }
.stat:first-child { border-left: 0; padding-left: 0; }
.stat strong { display: block; font-size: 30px; line-height: 1.2; color: var(--navy); margin-bottom: 6px; }
.stat span { font-size: 15px; color: var(--muted); }
@media (max-width: 760px) {
  .stats-grid { grid-template-columns: 1fr; }
  .stat, .stat:first-child { border-left: 0; border-top: 1px solid var(--line); padding: 22px 0; }
  .stat:first-child { border-top: 0; }
}

/* sections */
.section { padding: 80px 0; }
.section.alt { background: var(--soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
h2 { font-size: clamp(26px, 3vw, 34px); line-height: 1.2; margin: 0 0 10px; }
.sub { margin: 0 0 36px; color: var(--muted); font-size: 18px; }
.muted { color: var(--muted); }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 960px) { .cards { grid-template-columns: 1fr; } }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px;
  display: flex; flex-direction: column; box-shadow: var(--shadow); transition: transform .15s, box-shadow .15s; }
.card:hover { transform: translateY(-2px); box-shadow: 0 2px 4px rgba(16, 34, 58, .06), 0 16px 36px rgba(16, 34, 58, .10); }
@media (prefers-reduced-motion: reduce) { .card, .card:hover { transition: none; transform: none; } }
.card h3 { font-size: 21px; margin: 18px 0 8px; }
.card p { margin: 0 0 16px; font-size: 16px; }
.checks { list-style: none; padding: 0; margin: 0 0 24px; }
.checks li { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 10px; font-size: 16px; color: var(--ink); }
.checks .tick { margin-top: 3px; }
.card-foot { margin-top: auto; display: flex; flex-wrap: wrap; gap: 12px; align-items: center;
  justify-content: space-between; padding-top: 18px; border-top: 1px solid var(--line); }
.pill { font-size: 13px; font-weight: 600; color: var(--navy); background: var(--soft2); border-radius: 999px; padding: 5px 11px; }
.more { font-weight: 600; text-decoration: none; font-size: 15px; }
.more:hover { text-decoration: underline; }

.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: s; }
@media (max-width: 960px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.steps li { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; display: flex;
  flex-direction: column; gap: 14px; }
.num { width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center; font-weight: 800;
  background: var(--navy); color: #fff; }
.steps h3 { font-size: 18px; margin: 0 0 4px; }
.steps p { margin: 0; font-size: 15px; }

.principles { display: grid; grid-template-columns: 1fr 1fr; gap: 28px 40px; margin-top: 28px; }
@media (max-width: 760px) { .principles { grid-template-columns: 1fr; } }
.principle { display: flex; gap: 16px; }
.principle > .ico { width: 44px; height: 44px; padding: 10px; flex: none; border-radius: 12px; background: var(--soft2); color: var(--navy); }
.principle h3 { font-size: 18px; margin: 0 0 4px; }
.principle p { margin: 0; font-size: 16px; }

.about { display: grid; grid-template-columns: 1.4fr 1fr; gap: 48px; align-items: start; }
@media (max-width: 860px) { .about { grid-template-columns: 1fr; gap: 24px; } }
.about-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow); }
.about-card p { margin: 0 0 14px; overflow-wrap: anywhere; }
.about-card .label { margin: 0 0 2px; font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }

.cta { background: linear-gradient(120deg, var(--navy-2), var(--navy) 60%, #24508a); color: #dbe6f3; padding: 64px 0; }
.cta h2 { color: #fff; }
.cta p { margin: 0; font-size: 18px; }
.cta-inner { display: flex; gap: 32px; align-items: center; justify-content: space-between; }
@media (max-width: 860px) { .cta-inner { flex-direction: column; align-items: flex-start; } }

.fine { padding: 48px 0; font-size: 14px; color: var(--muted); }
.fine h2 { font-size: 18px; }
.fine p { max-width: 90ch; }
sup a { text-decoration: none; }

.foot { border-top: 1px solid var(--line); padding: 32px 0; font-size: 15px; color: var(--muted); background: var(--soft); }
.foot-grid { display: flex; flex-wrap: wrap; gap: 24px; justify-content: space-between; align-items: flex-start; }
.foot p { margin: 8px 0 0; }