/* RESET */
* { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif; background:#f4f7fb; color:#0b1c2d; line-height:1.6; }

/* TOP BAR */
.topbar{display:flex;justify-content:space-between;align-items:center;padding:14px 20px;background:#fff;border-bottom:1px solid #e6edf5}
.topbar-left{display:flex;align-items:center}
.logo{height:18px;margin-right:10px}
.brand-name{font-weight:900;letter-spacing:1px}
.brand-tagline{font-size:10px;color:#4a6fa1}
.topbar-right a{margin-left:16px;text-decoration:none;font-size:13px;color:#1b3a6f}
.topbar-right .btn{padding:6px 12px;border-radius:8px;background:#1b5cff;color:#fff;font-weight:700}

/* HERO */
.hero{background:linear-gradient(135deg,#0d47a1,#1b5cff);color:#fff;padding:60px 20px}
.hero-inner{max-width:1100px;margin:auto;display:grid;grid-template-columns:1.2fr .8fr;gap:40px}
.hero h1{font-size:34px;line-height:1.15;margin-bottom:14px}
.hero p{opacity:.92;max-width:520px}
.hero-cta{margin-top:20px}
.btn{display:inline-block;padding:10px 18px;border-radius:10px;text-decoration:none;font-weight:800}
.btn.primary{background:#fff;color:#1b5cff;margin-right:10px}
.btn.ghost{border:1px solid rgba(255,255,255,.45);color:#fff}

/* HERO CARD */
.hero-card{background:#fff;color:#0b1c2d;border-radius:14px;padding:18px;box-shadow:0 14px 40px rgba(0,0,0,.18)}
.card-title{font-size:12px;font-weight:800;color:#1b5cff;margin-bottom:12px}
.card-row{display:flex;justify-content:space-between;font-size:13px;margin-bottom:8px}
.card-note{font-size:11px;margin-top:10px;color:#667}

/* SECTIONS */
.section{padding:60px 20px;max-width:1100px;margin:auto}
.section h2{font-size:26px;margin-bottom:10px}
.section-sub{color:#516b9b;margin-bottom:30px}

/* GRID */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px}
.grid.two{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.box{background:#fff;padding:20px;border-radius:14px;box-shadow:0 10px 26px rgba(0,0,0,.07);border:1px solid #eef3fb}
.box h3{font-size:15px;margin-bottom:8px}

/* ALT SECTION */
.section.alt{background:#ffffff;}

/* NOTICE */
.notice{background:#0b1c2d;color:#fff;padding:40px 20px}
.notice-inner{max-width:900px;margin:auto;text-align:center;opacity:.92}

/* FOOTER */
.footer{background:#fff;border-top:1px solid #e6edf5}
.footer-inner{max-width:1100px;margin:auto;padding:30px 20px;display:flex;justify-content:space-between;align-items:center}
.footer a{margin-left:16px;font-size:13px;text-decoration:none;color:#1b3a6f}

/* MOBILE */
@media (max-width:768px){
  .hero-inner{grid-template-columns:1fr}
  .topbar-right{display:none}
  .hero h1{font-size:26px}
}