:root{
  --blue:#0757b8;--blue2:#0b68d6;--navy:#071f3f;--ink:#12243d;--text:#617286;
  --muted:#8e9bac;--line:#e3eaf1;--soft:#f6f9fc;--green:#0e936e;--mint:#eaf8f4;
  --white:#fff;--shadow:0 18px 48px rgba(17,60,108,.09);--shadow2:0 10px 28px rgba(16,57,101,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
button,input,select,textarea{font:inherit}
button{cursor:pointer}
img{display:block;max-width:100%}
.container{width:min(1180px,calc(100% - 36px));margin:auto}
.topbar{background:var(--navy);color:#d7e6f8;font-size:11px}
.topbar .container{height:34px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.topbar-right{display:flex;align-items:center;gap:18px}
header{position:sticky;top:0;z-index:1200;background:rgba(255,255,255,.98);border-bottom:1px solid #edf1f5;backdrop-filter:blur(14px)}
.navbar{height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand img{width:205px;height:47px;object-fit:contain;object-position:left center}
.desktop-nav{display:flex;align-items:center;gap:5px}
.nav-item{position:relative}
.nav-link{border:0;background:transparent;padding:27px 9px;display:flex;align-items:center;gap:5px;color:#42556e;font-size:12px;font-weight:780;white-space:nowrap}
.nav-link:hover,.nav-item:hover>.nav-link,.nav-link.active{color:var(--blue)}
.caret{font-size:8px;opacity:.65}
.nav-whatsapp{padding:10px 14px!important;background:var(--blue);color:#fff!important;border-radius:11px;margin-left:4px}
.dropdown{position:absolute;top:67px;left:0;min-width:235px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:9px;box-shadow:0 22px 54px rgba(16,51,92,.14);opacity:0;visibility:hidden;transform:translateY(8px);transition:.17s}
.nav-item:hover>.dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:block;padding:9px 10px;border-radius:9px;color:#53657a;font-size:11px;font-weight:650}
.dropdown a:hover{background:#f2f7fd;color:var(--blue)}
.mega{position:absolute;top:67px;left:50%;transform:translate(-50%,8px);width:740px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px;box-shadow:0 24px 58px rgba(16,51,92,.14);opacity:0;visibility:hidden;transition:.17s}
.nav-item:hover>.mega{opacity:1;visibility:visible;transform:translate(-50%,0)}
.mega-grid{display:grid;grid-template-columns:1.05fr 1.05fr .8fr;gap:25px}
.mega-col h4{font-size:10px;letter-spacing:.08em;color:var(--blue);text-transform:uppercase;margin-bottom:8px}
.mega-col a{display:block;padding:7px 0;color:#53657a;font-size:11px;font-weight:650}
.mega-col a:hover{color:var(--blue)}
.mega-footer{margin-top:16px;padding-top:13px;border-top:1px solid #edf1f4;display:flex;align-items:center;justify-content:space-between}
.mega-footer span{font-size:9px;color:var(--muted)}
.mega-footer a{font-size:10px;color:var(--blue);font-weight:850}
.menu-btn{display:none;border:0;background:transparent;color:var(--ink);font-size:24px}
.mobile-nav{display:none}

.page-hero{position:relative;overflow:hidden;background:linear-gradient(145deg,#071f3f,#0757b8);color:#fff;padding:66px 0 62px}
.page-hero:before,.page-hero:after{content:"";position:absolute;border-radius:50%;background:rgba(255,255,255,.06)}
.page-hero:before{width:360px;height:360px;right:-90px;top:-160px}
.page-hero:after{width:220px;height:220px;right:18%;bottom:-130px}
.breadcrumb{position:relative;z-index:2;display:flex;gap:7px;align-items:center;font-size:9px;color:#b9d8f7;margin-bottom:14px}
.breadcrumb a:hover{color:#fff}
.page-hero h1{position:relative;z-index:2;font-size:clamp(34px,5vw,52px);line-height:1.08;letter-spacing:-1.4px;max-width:900px}
.page-hero p{position:relative;z-index:2;max-width:760px;margin-top:14px;color:#d7e7f8;font-size:13px}
.hero-actions{position:relative;z-index:2;display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}
.btn{min-height:44px;padding:0 17px;border-radius:12px;display:inline-flex;align-items:center;justify-content:center;border:1px solid transparent;font-size:12px;font-weight:850}
.btn-primary{background:#fff;color:var(--blue)}
.btn-blue{background:var(--blue);color:#fff}
.btn-soft{background:#edf6ff;color:var(--blue);border-color:#d8e9fb}
.btn-outline{border-color:rgba(255,255,255,.32);color:#fff}

.section{padding:72px 0}
.section.soft{background:var(--soft)}
.section-head{max-width:790px;margin-bottom:28px}
.kicker{font-size:10px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:8px}
.section-head h2{font-size:clamp(28px,4vw,42px);line-height:1.14;letter-spacing:-1px}
.section-head p{font-size:12px;color:var(--text);margin-top:9px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:start}
.copy h2{font-size:34px;line-height:1.15;letter-spacing:-.8px}
.copy h3{font-size:21px;margin:25px 0 9px}
.copy p,.copy li{font-size:12px;color:var(--text)}
.copy p+p{margin-top:12px}
.copy ul{padding-left:18px;margin-top:10px}
.copy li+li{margin-top:7px}

.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{border:1px solid var(--line);border-radius:22px;background:#fff;padding:22px;box-shadow:0 8px 26px rgba(20,63,110,.045)}
.card.soft-blue{background:#f6faff}
.card.soft-green{background:#f4fbf8}
.card h3{font-size:18px;line-height:1.3}
.card p{font-size:10px;color:var(--text);margin-top:7px}
.card a.link{display:inline-flex;margin-top:15px;color:var(--blue);font-size:10px;font-weight:850}
.icon-box{width:48px;height:48px;border-radius:15px;display:grid;place-items:center;background:#edf6ff;color:var(--blue);font-weight:900;margin-bottom:18px}
.tag{display:inline-flex;border-radius:999px;padding:5px 8px;background:#edf6ff;color:var(--blue);font-size:8px;font-weight:900;letter-spacing:.05em;text-transform:uppercase}
.notice{border:1px solid #d8e8f8;background:#f5faff;border-radius:18px;padding:18px;color:#53677d;font-size:10px}
.notice strong{color:var(--ink)}

.rate-table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff}
.rate-table th,.rate-table td{padding:13px 15px;text-align:left;border-bottom:1px solid var(--line);font-size:11px}
.rate-table th{background:#f4f8fc;color:#53667c;font-size:9px;text-transform:uppercase;letter-spacing:.05em}
.rate-table tr:last-child td{border-bottom:0}
.rate-table td strong{color:var(--blue)}
.table-wrap{overflow:auto}

.product-side{position:sticky;top:128px;border:1px solid var(--line);border-radius:22px;padding:20px;background:#fff;box-shadow:var(--shadow2)}
.product-side h3{font-size:17px}
.product-side p{font-size:10px;color:var(--text);margin:6px 0 15px}
.product-side .btn{width:100%;margin-top:8px}

.feature-list{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:18px}
.feature{border:1px solid var(--line);border-radius:15px;padding:14px}
.feature b{display:block;font-size:12px}
.feature span{display:block;font-size:9px;color:var(--muted);margin-top:3px}

.timeline{position:relative;padding-left:23px}
.timeline:before{content:"";position:absolute;left:7px;top:6px;bottom:6px;width:2px;background:#dbe9f7}
.timeline-item{position:relative;padding:0 0 26px 20px}
.timeline-item:before{content:"";position:absolute;left:-22px;top:5px;width:12px;height:12px;border-radius:50%;background:var(--blue);border:3px solid #dceeff}
.timeline-item:last-child{padding-bottom:0}
.timeline-item small{font-size:8px;color:var(--blue);font-weight:900}
.timeline-item h3{font-size:17px;margin:3px 0 4px}
.timeline-item p{font-size:10px;color:var(--text)}

.people-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.person{border:1px solid var(--line);border-radius:20px;padding:20px;background:#fff;text-align:center}
.person-photo{width:82px;height:82px;border-radius:50%;margin:0 auto 13px;display:grid;place-items:center;background:linear-gradient(145deg,#e8f3ff,#d7e9fb);color:var(--blue);font-size:22px;font-weight:900}
.person h3{font-size:13px;line-height:1.3}
.person p{font-size:9px;color:var(--text);margin-top:4px}
.person small{display:block;margin-top:7px;font-size:8px;color:var(--muted)}

.office-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.office{border:1px solid var(--line);border-radius:22px;padding:22px;background:#fff}
.office-top{display:flex;align-items:center;justify-content:space-between;gap:10px}
.office-type{font-size:8px;font-weight:900;color:var(--blue);letter-spacing:.06em;text-transform:uppercase}
.office h3{font-size:20px;margin-top:5px}
.office address{font-style:normal;font-size:10px;color:var(--text);margin-top:8px}
.office .meta{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}
.office .meta span{font-size:8px;padding:6px 8px;border-radius:999px;background:#f2f6fa;color:#687a90}

.news-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.news-card{border:1px solid var(--line);background:#fff;border-radius:22px;overflow:hidden;transition:.18s}
.news-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.news-image{aspect-ratio:900/560;overflow:hidden;background:#e9f2fb}
.news-image img{width:100%;height:100%;object-fit:cover}
.news-body{padding:18px}
.news-meta{font-size:8px;color:var(--blue);font-weight:900;text-transform:uppercase;letter-spacing:.06em}
.news-body h3{font-size:16px;line-height:1.35;margin:8px 0 6px}
.news-body p{font-size:10px;color:var(--text)}
.news-body a{display:inline-flex;margin-top:13px;font-size:10px;color:var(--blue);font-weight:850}

.article{max-width:820px;margin:auto}
.article .lead{font-size:16px;color:#425870;line-height:1.75;margin-bottom:24px}
.article h2{font-size:26px;margin:30px 0 10px}
.article p{font-size:13px;color:#53677d;margin-bottom:15px}
.article-note{margin-top:28px;border-top:1px solid var(--line);padding-top:16px;font-size:9px;color:var(--muted)}

.report-years{display:grid;gap:14px}
.report-year{border:1px solid var(--line);border-radius:20px;background:#fff;overflow:hidden}
.report-year h3{padding:17px 20px;background:#f7fafc;font-size:17px}
.report-list{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.report-item{padding:16px;border-top:1px solid var(--line);border-right:1px solid var(--line)}
.report-item:last-child{border-right:0}
.report-item b{display:block;font-size:11px}
.report-item span{display:block;font-size:8px;color:var(--muted);margin:4px 0 10px}
.report-item a,.report-item button{border:0;background:transparent;color:var(--blue);font-size:9px;font-weight:850;padding:0}
.report-item .disabled{color:#9ba7b3;cursor:default}

.faq{display:grid;gap:10px}
.faq-item{border:1px solid var(--line);border-radius:16px;background:#fff;overflow:hidden}
.faq-q{width:100%;padding:16px 18px;border:0;background:#fff;text-align:left;display:flex;align-items:center;justify-content:space-between;gap:16px;color:var(--ink);font-size:12px;font-weight:800}
.faq-a{display:none;padding:0 18px 16px;color:var(--text);font-size:10px}
.faq-item.open .faq-a{display:block}

.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:20px}
.contact-panel{border-radius:25px;padding:29px;background:linear-gradient(145deg,#0757b8,#0a67d1);color:#fff}
.contact-panel h2{font-size:32px;line-height:1.15}
.contact-panel p{font-size:11px;color:#d7e7f8;margin:10px 0 19px}
.contact-list{display:grid;gap:10px}
.contact-box{border:1px solid var(--line);border-radius:16px;padding:16px}
.contact-box small{font-size:8px;color:var(--muted);text-transform:uppercase;font-weight:900}
.contact-box strong{display:block;font-size:12px;margin-top:5px}
.form{display:grid;gap:12px}
.form label{font-size:9px;font-weight:850}
.form input,.form textarea,.form select{width:100%;border:1px solid #dbe4ed;border-radius:11px;padding:11px;outline:0;color:var(--ink);background:#fff}
.form textarea{min-height:120px;resize:vertical}

.empty-state{border:1px dashed #cbd8e6;border-radius:24px;padding:46px;text-align:center;background:#f9fbfd}
.empty-state .icon{width:62px;height:62px;border-radius:20px;margin:0 auto 16px;display:grid;place-items:center;background:#edf6ff;color:var(--blue);font-size:22px;font-weight:900}
.empty-state h2{font-size:24px}
.empty-state p{font-size:11px;color:var(--text);max-width:600px;margin:8px auto 18px}

.cta-band{background:var(--navy);color:#fff}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:25px}
.cta-inner h2{font-size:30px;line-height:1.2}
.cta-inner p{font-size:10px;color:#afc2d8;margin-top:6px}

footer{background:#061a36;color:#fff;padding:50px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:38px}
.footer-brand img{width:190px;height:48px;object-fit:contain;object-position:left center;filter:brightness(0) invert(1);opacity:.96}
.footer-brand p{font-size:10px;color:#9fb4ca;max-width:330px;margin-top:13px}
.footer-col h4{font-size:11px;margin-bottom:12px}
.footer-col a{display:block;color:#9fb4ca;font-size:10px;margin-bottom:7px}
.footer-col a:hover{color:#fff}
.footer-reg{margin-top:18px;padding:13px 15px;border-radius:13px;background:rgba(255,255,255,.05);font-size:9px;color:#9fb4ca}
.footer-bottom{margin-top:33px;padding-top:18px;border-top:1px solid rgba(255,255,255,.08);display:flex;align-items:center;justify-content:space-between;gap:20px;color:#7e97b1;font-size:9px}
.fab{position:fixed;right:18px;bottom:18px;width:54px;height:54px;border-radius:50%;background:#1dbf73;color:#fff;display:grid;place-items:center;font-size:10px;font-weight:900;border:4px solid #fff;box-shadow:0 12px 30px rgba(29,191,115,.28);z-index:900}

@media(max-width:1060px){
  .desktop-nav{display:none}.menu-btn{display:block}
  .mobile-nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;border-top:1px solid var(--line);box-shadow:0 18px 40px rgba(20,55,96,.12);max-height:calc(100vh - 90px);overflow:auto;padding:12px 18px 20px}
  .mobile-nav.open{display:block}.mobile-group{border-bottom:1px solid #edf1f4}
  .mobile-toggle{width:100%;border:0;background:#fff;padding:13px 0;display:flex;align-items:center;justify-content:space-between;font-size:13px;font-weight:800;color:#40536c}
  .mobile-sub{display:none;padding:0 0 10px 12px}.mobile-group.open .mobile-sub{display:block}.mobile-sub a{display:block;padding:8px 0;color:#617286;font-size:11px}
  .people-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:820px){
  .topbar .container>span:first-child{display:none}.topbar .container{justify-content:flex-end}
  .split,.contact-grid{grid-template-columns:1fr}
  .product-side{position:static}
  .card-grid,.news-grid{grid-template-columns:1fr 1fr}
  .office-grid{grid-template-columns:1fr}
  .report-list{grid-template-columns:repeat(2,1fr)}
  .cta-inner{align-items:flex-start;flex-direction:column}
  .footer-grid{grid-template-columns:1.4fr 1fr 1fr}.footer-grid .footer-col:last-child{grid-column:2/4}
}
@media(max-width:620px){
  .container{width:min(100% - 26px,1180px)}
  .topbar .container{justify-content:center}.topbar-right span{display:none}
  .brand img{width:165px;height:40px}
  .page-hero{padding:52px 0 48px}.page-hero h1{font-size:36px}
  .section{padding:56px 0}
  .card-grid,.news-grid,.people-grid,.feature-list{grid-template-columns:1fr}
  .report-list{grid-template-columns:1fr}.report-item{border-right:0}
  .footer-grid{grid-template-columns:1fr}.footer-grid .footer-col:last-child{grid-column:auto}
  .footer-bottom{align-items:flex-start;flex-direction:column}
}