:root{
  --bg:#ffffff;
  --ink:#0b1e39;         /* deep navy */
  --muted:#5b6b81;
  --gold:#c9a227;        /* institutional gold */
  --line:#e6e8ef;
  --panel:#f7f8fb;
  --radius:16px;
  --container:1160px;
}
*{box-sizing:border-box}
html,body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}

.container{max-width:var(--container);margin:0 auto;padding:0 20px}

/* Header */
.header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 0}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;letter-spacing:.02em}
.logo{width:44px;height:44px;border-radius:10px;border:1px solid var(--line);background:#fff}
#menu{display:flex;gap:12px;align-items:center;flex-wrap:wrap}
#menu a{padding:8px 10px;border-radius:10px}
#menu a:hover{background:var(--panel)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:10px 14px;border-radius:12px;border:1px solid var(--line);background:#fff;cursor:pointer}
.btn.small{padding:8px 10px;font-size:14px}
.btn.primary{background:linear-gradient(180deg,#0b1e39,#13325d);color:#fff;border:none;box-shadow:0 10px 24px rgba(19,50,93,.25)}
.btn.ghost{background:#fff;border-color:var(--line);}
.nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:8px 10px}
@media (max-width:900px){
  .nav-toggle{display:block}
  #menu{display:none;position:absolute;right:20px;top:72px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px;flex-direction:column;min-width:220px;box-shadow:0 16px 40px rgba(0,0,0,.08)}
  #menu[aria-expanded="true"]{display:flex}
}

.hero{background:linear-gradient(180deg,#f7f8fb, #fff);border-bottom:1px solid var(--line)}
.hero .inner{padding:48px 0}
.hero h1{font-size:clamp(28px,4vw,44px);margin:0 0 8px}
.hero p{margin:0 0 14px;color:var(--muted)}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap}

main{padding:24px 0}
.section{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;margin:16px 0}
.section h2{margin:0 0 8px;font-size:22px}
.grid{display:grid;gap:12px}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{border:1px solid var(--line);background:#fff;border-radius:14px;padding:14px}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px}
.kpi{border:1px solid var(--line);border-radius:14px;padding:14px;background:var(--panel)}

.form{max-width:680px;margin:0 auto}
.form label{display:grid;gap:6px;margin:10px 0}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:720px){.form .row{grid-template-columns:1fr}}
input,select,textarea{background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}

.notice{border-left:4px solid var(--gold);background:#fff7da;padding:10px;border-radius:10px}
.footer{border-top:1px solid var(--line);background:#fff;margin-top:40px}
.footgrid{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));padding:20px 0}
.copy{text-align:center;color:var(--muted);padding:10px 0;border-top:1px solid var(--line)}

.badge{display:inline-block;padding:4px 8px;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:12px}
.skip-link{position:absolute;left:-9999px}
.skip-link:focus{left:12px;top:12px;background:#fff;color:#000;padding:8px 12px;border-radius:8px;z-index:1000;position:absolute}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px}