:root {
  --navy: #3b4763;
  --navy-dark: #2b3550;
  --navy-light: #5a6885;
  --gold: #c8a951;
  --gold-soft: #e2c87e;
  --ink: #1f2738;
  --muted: #5d6880;
  --bg: #f5f6f9;
  --white: #ffffff;
  --radius: 14px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  background: var(--bg);
  color: var(--ink);
  line-height: 1.6;
}

img { max-width: 100%; display: block; }

a { color: var(--navy); }

.container {
  width: min(1120px, 92vw);
  margin: 0 auto;
}

/* Header */
.site-header {
  background: linear-gradient(120deg, var(--navy-dark), var(--navy-light));
  color: var(--white);
  position: sticky;
  top: 0;
  z-index: 20;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.12);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.9rem 0;
  flex-wrap: wrap;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  color: var(--white);
  text-decoration: none;
  font-size: 1.35rem;
  font-weight: bold;
  letter-spacing: 0.5px;
}

.brand img { width: 38px; height: 38px; }

.nav {
  display: flex;
  gap: 1.6rem;
  flex-wrap: wrap;
}

.nav a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  font-size: 0.98rem;
  padding-bottom: 3px;
  border-bottom: 2px solid transparent;
}

.nav a:hover { color: var(--white); }
.nav a.active { color: var(--white); border-bottom-color: var(--gold); }

/* Hero */
.hero {
  position: relative;
  background: linear-gradient(120deg, rgba(43, 53, 80, 0.92), rgba(90, 104, 133, 0.82)),
    url("hero.jpg") center/cover no-repeat;
  color: var(--white);
  padding: 5rem 0;
}

.hero h1 {
  font-size: clamp(2rem, 4.4vw, 3.2rem);
  margin: 0 0 1rem;
  line-height: 1.15;
}

.hero p {
  font-size: 1.1rem;
  max-width: 680px;
  color: rgba(255, 255, 255, 0.9);
}

.hero .tag {
  display: inline-block;
  border: 1px solid var(--gold);
  color: var(--gold-soft);
  border-radius: 999px;
  padding: 0.25rem 0.9rem;
  font-size: 0.85rem;
  margin-bottom: 1.2rem;
  letter-spacing: 1px;
  text-transform: uppercase;
}

.btn {
  display: inline-block;
  background: var(--gold);
  color: #2b3550;
  font-weight: bold;
  text-decoration: none;
  padding: 0.85rem 1.7rem;
  border-radius: 999px;
  border: none;
  cursor: pointer;
  font-size: 1rem;
}

.btn:hover { background: var(--gold-soft); }

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, 0.6);
}

.btn-outline:hover { background: rgba(255, 255, 255, 0.12); color: var(--white); }

.btn-row { display: flex; gap: 1rem; flex-wrap: wrap; margin-top: 2rem; }

/* Sections */
section { padding: 4rem 0; }

.section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--navy-dark);
  margin: 0 0 0.6rem;
}

.section-sub {
  color: var(--muted);
  max-width: 720px;
  margin: 0 0 2.4rem;
}

.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }

.card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.6rem;
  box-shadow: 0 8px 22px rgba(43, 53, 80, 0.07);
  border-top: 3px solid var(--gold);
}

.card h3 { margin: 0.2rem 0 0.6rem; color: var(--navy-dark); font-size: 1.12rem; }
.card p { margin: 0; color: var(--muted); font-size: 0.97rem; }
.card .icon { font-size: 1.9rem; }

.stat {
  background: var(--navy-dark);
  color: var(--white);
  border-radius: var(--radius);
  padding: 1.8rem;
  text-align: center;
  border-top: 3px solid var(--gold);
}

.stat strong { display: block; font-size: 2.4rem; color: var(--gold-soft); line-height: 1.1; }
.stat span { color: rgba(255, 255, 255, 0.82); font-size: 0.95rem; }

.alt { background: var(--white); }

.list { padding-left: 1.1rem; color: var(--muted); margin: 0; }
.list li { margin-bottom: 0.55rem; }

.banner {
  background: linear-gradient(120deg, var(--navy-dark), var(--navy-light));
  color: var(--white);
  border-radius: var(--radius);
  padding: 2.6rem;
  text-align: center;
}

.banner h2 { margin: 0 0 0.8rem; font-size: clamp(1.4rem, 2.6vw, 2rem); }
.banner p { color: rgba(255, 255, 255, 0.88); margin: 0 auto 1.6rem; max-width: 720px; }

table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 8px 22px rgba(43, 53, 80, 0.07);
}

th, td { padding: 0.85rem 1rem; text-align: left; border-bottom: 1px solid #e7e9ef; font-size: 0.95rem; }
th { background: var(--navy-dark); color: var(--white); font-weight: bold; }
td.num, th.num { text-align: right; }
tr.highlight td { background: #f3efe1; font-weight: bold; }

/* Forms */
label { display: block; font-size: 0.9rem; font-weight: bold; color: var(--navy-dark); margin-bottom: 0.3rem; }
input, textarea, select {
  width: 100%;
  padding: 0.7rem 0.8rem;
  border: 1px solid #d3d8e3;
  border-radius: 10px;
  font-size: 1rem;
  font-family: inherit;
  background: var(--white);
}
input:focus, textarea:focus { outline: 2px solid var(--gold); border-color: var(--gold); }
.field { margin-bottom: 1.1rem; }
.hint { font-size: 0.8rem; color: var(--muted); margin-top: 0.25rem; }

.result {
  background: #eef0f6;
  border-radius: 10px;
  padding: 0.9rem 1rem;
  margin-bottom: 0.9rem;
}
.result span { display: block; font-size: 0.85rem; color: var(--muted); }
.result strong { font-size: 1.5rem; color: var(--navy-dark); }
.result.gold { background: #f6f0dd; }
.result.gold strong { color: #9a7d24; }

.chart-wrap { position: relative; height: 320px; }

/* Footer */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255, 255, 255, 0.8);
  padding: 2.5rem 0;
  font-size: 0.92rem;
}
.site-footer a { color: var(--gold-soft); }
.site-footer .container { display: flex; justify-content: space-between; gap: 1.5rem; flex-wrap: wrap; }

@media (max-width: 640px) {
  .hero { padding: 3.2rem 0; }
  section { padding: 2.8rem 0; }
}