:root{
  --primary:#0B5CAD; --accent:#1DB0D4;
  --text:#1E293B; --bg:#F8FAFC; --white:#fff; --muted:#64748B;
}
*{box-sizing:border-box}
body{margin:0; font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif; color:var(--text); background:var(--bg)}
a{color:var(--primary); text-decoration:none}
a:focus,button:focus{outline:3px solid var(--accent); outline-offset:2px}
.site-header{position:sticky;top:0;background:var(--white);border-bottom:1px solid #E2E8F0;display:flex;align-items:center;justify-content:space-between;padding:12px 20px; z-index:10}
.logo{font-weight:700;color:var(--primary)}
.nav{display:flex;gap:16px;list-style:none;margin:0;padding:0}
.nav a{padding:8px 10px;border-radius:8px}
.nav a:focus,.nav a:hover{background:#EEF2F7}
.menu-toggle{display:none}
@media (max-width:768px){
  .menu-toggle{display:inline-block;background:transparent;border:1px solid #CBD5E1;border-radius:8px;padding:6px 10px}
  .nav{display:none;flex-direction:column;gap:0}
  .nav.open{display:flex}
}
.hero{padding:72px 20px;text-align:center;max-width:900px;margin:0 auto}
.hero h1{font-size:clamp(28px,4vw,44px);margin:0 0 8px}
.cta{display:flex;gap:12px;justify-content:center;margin-top:12px;flex-wrap:wrap}
.card{background:var(--white);border:1px solid #E2E8F0;border-radius:16px;padding:20px;box-shadow:0 2px 10px rgba(0,0,0,0.03)}
.pillars{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;padding:24px 20px;max-width:1100px;margin:0 auto}
.btn{display:inline-block;padding:10px 16px;border-radius:10px;border:2px solid var(--primary);font-weight:600}
.btn-primary{background:var(--primary);color:white}
.btn-outline{background:transparent;color:var(--primary)}
.btn-secondary{background:var(--accent);border-color:var(--accent);color:var(--white)}
.site-footer{padding:28px 20px;text-align:center;color:var(--muted)}
.disclaimer{font-size:14px;color:var(--muted)}
.wrap{max-width:1000px;margin:0 auto;padding:24px 20px}
.grid-2{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px}
.breadcrumbs{padding:8px 20px; max-width:1000px; margin:0 auto; font-size:14px; color:var(--muted)}
.table{width:100%;border-collapse:separate;border-spacing:0}
.table th,.table td{padding:12px;border-bottom:1px solid #E2E8F0;text-align:left}
.table th{background:#F1F5F9}
.muted{color:var(--muted)}