:root{--navy:#0b1f3a;--navy2:#132d52;--cyan:#38bdf8;--blue:#1d4ed8;--ink:#0f172a;--mut:#5b6b85;--bg:#f3f6fb;--grad:linear-gradient(135deg,#38bdf8,#1d4ed8)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='80' height='80'%3E%3Cpath d='M0 40h30l10-10h40M40 0v20' fill='none' stroke='%231d4ed8' stroke-opacity='.06' stroke-width='1.5'/%3E%3Ccircle cx='40' cy='30' r='2.5' fill='%231d4ed8' fill-opacity='.08'/%3E%3C/svg%3E")}
a{color:var(--blue)}img{max-width:100%;height:auto}
.w{max-width:1100px;margin:0 auto;padding:0 20px}
header{background:var(--navy);position:sticky;top:0;z-index:5;box-shadow:0 2px 12px #0004}
header nav{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px;padding:10px 20px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;font-size:1.15rem}
.logo img{width:36px;height:36px;border-radius:9px}.logo b{color:var(--cyan)}
nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
nav ul a{color:#cfe3ff;text-decoration:none;padding:6px 10px;border-radius:8px;font-size:.95rem}nav ul a:hover{background:#ffffff14;color:#fff}
.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 80% 20%,#1d4ed855,transparent 50%),linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:40px 0 56px}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(#ffffff0a 1px,transparent 1px),linear-gradient(90deg,#ffffff0a 1px,transparent 1px);background-size:40px 40px}
.hero .w{position:relative;display:grid;gap:28px;align-items:center}
.hero-logo{background:#fff;border-radius:24px;padding:10px;max-width:260px;margin:0 auto;box-shadow:0 20px 50px #0006,0 0 0 4px #38bdf855}
.hero-logo img{display:block;border-radius:16px}
.hero h1{font-size:clamp(2rem,6vw,3.2rem);line-height:1.1;margin:0 0 12px}
.hero h1 span{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent;filter:brightness(1.3)}
.hero p{color:#cfe3ff;font-size:1.1rem;margin:0 0 22px}
.btn{display:inline-block;background:var(--grad);color:#fff;text-decoration:none;font-weight:700;padding:12px 22px;border-radius:999px;box-shadow:0 6px 18px #1d4ed866;margin:0 8px 8px 0}
.btn.ghost{background:transparent;border:2px solid #38bdf8;box-shadow:none}
.bub{position:absolute;border-radius:50%;background:radial-gradient(circle at 30% 30%,#fff9,#38bdf855 40%,#1d4ed822);pointer-events:none}
section{padding:44px 0}h2{font-size:1.7rem;margin:0 0 8px;color:var(--navy)}
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin:18px 0 8px}
.tabs a{text-decoration:none;padding:8px 16px;border-radius:999px;background:#fff;border:1px solid #c9d7ee;color:var(--navy);font-weight:600;font-size:.92rem}
.tabs a.on,.tabs a:hover{background:var(--grad);color:#fff;border-color:transparent}
.cat{margin-top:30px;scroll-margin-top:80px}.cat h3{display:flex;align-items:center;gap:10px;font-size:1.3rem;color:var(--navy);margin:0 0 14px}
.cat h3::after{content:"";flex:1;height:3px;border-radius:3px;background:var(--grad);opacity:.5}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:14px}
.card{background:#fff;border-radius:18px;padding:18px 14px;text-align:center;border:1px solid #dde6f3;box-shadow:0 4px 14px #0b1f3a12;transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 24px #1d4ed82a}
.ic{width:58px;height:58px;margin:0 auto 10px;border-radius:16px;display:grid;place-items:center;font-size:1.8rem;background:linear-gradient(135deg,#e0f2fe,#dbeafe)}
.card h4{margin:0 0 6px;font-size:1rem;color:var(--navy)}
.soon{display:inline-block;font-size:.72rem;font-weight:700;color:#fff;background:var(--navy);padding:3px 9px;border-radius:999px}
.panel{background:#fff;border-radius:20px;padding:24px;border:1px solid #dde6f3;box-shadow:0 4px 14px #0b1f3a12}
.policy{background:#fff;border-radius:20px;padding:24px;margin:30px auto;max-width:820px;border:1px solid #dde6f3;box-shadow:0 4px 14px #0b1f3a12}
.policy h1{color:var(--navy);margin-top:0}.policy h2{font-size:1.2rem;margin-top:26px;padding-left:12px;border-left:4px solid var(--cyan)}
.meta{background:var(--bg);padding:12px 16px;border-radius:12px;font-size:.95rem}
footer{background:var(--navy);color:#9fb6d8;padding:26px 0;font-size:.9rem;margin-top:30px}footer a{color:var(--cyan)}
@media(min-width:760px){.hero .w{grid-template-columns:1.3fr 1fr}.hero-logo{max-width:300px}.hero{padding:64px 0 80px}}
@media(prefers-reduced-motion:reduce){.card{transition:none}}