/* ===== CSS: Root ===== */
    :root{--navy:#1a237e;--navy-dark:#0d1457;--gold:#f5a623;--gold-light:#ffd54f;--off:#f8f9ff;--text:#1a1d2e;--muted:#5e6678;--border:rgba(13,20,87,.12);--h:'Playfair Display',serif;--b:'DM Sans',sans-serif}
    /* ===== CSS: Base ===== */
    *{box-sizing:border-box;margin:0;padding:0}body{font-family:var(--b);background:var(--off);color:var(--text);line-height:1.7}a{text-decoration:none;color:inherit}.container{width:min(1120px,92%);margin:auto}
    /* ===== CSS: Loader ===== */
    body.loading{overflow:hidden}.site-loader{position:fixed;inset:0;z-index:9999;display:flex;align-items:center;justify-content:center;background:radial-gradient(circle at top,rgba(40,53,147,.92),var(--navy-dark) 58%);transition:.55s}.site-loader.hidden{opacity:0;visibility:hidden;pointer-events:none}.loader-content{width:min(360px,82vw);text-align:center}.loader-content img{width:128px;margin:0 auto 18px}.loader-content h2{font:700 30px/1.2 var(--h);color:#fff;margin-bottom:16px}.loader-bar{height:4px;background:rgba(255,255,255,.16);border-radius:999px;overflow:hidden;position:relative}.loader-bar:before{content:'';position:absolute;inset:0;width:45%;background:linear-gradient(90deg,var(--gold),var(--gold-light));animation:m 1.2s infinite}@keyframes m{0%{transform:translateX(-110%)}100%{transform:translateX(230%)}}
    /* ===== CSS: Header ===== */
    header{position:sticky;top:0;z-index:10;background:#fff;border-bottom:1px solid var(--border)}.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between}.logo img{width:98px}.nav-links{display:flex;gap:14px;font-weight:700;color:var(--navy-dark)}
    /* ===== CSS: Hero ===== */
    .hero{padding:60px 0 28px;background:linear-gradient(145deg,#131f72,#2238a7);color:#fff}.hero h1{font:700 clamp(2rem,4vw,3rem)/1.1 var(--h)}.hero p{margin-top:12px;color:rgba(255,255,255,.9);max-width:760px}
    /* ===== CSS: Banners ===== */
    section{padding:30px 0}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.banner{display:flex;flex-direction:column;gap:12px;padding:24px;border-radius:18px;background:#fff;border:1px solid var(--border);box-shadow:0 16px 38px rgba(13,20,87,.08);transition:.28s}.banner:hover{transform:translateY(-4px);border-color:rgba(245,166,35,.42)}.banner h2{font:700 1.35rem/1.2 var(--h);color:var(--navy-dark)}.banner p{color:var(--muted)}.btn{margin-top:auto;display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 16px;border-radius:999px;background:linear-gradient(135deg,var(--gold),var(--gold-light));color:var(--navy-dark);font-weight:800}
    /* ===== CSS: Footer ===== */
    footer{margin-top:26px;padding:24px 0;background:#0d1457;color:#fff}
    @media(max-width:980px){.grid{grid-template-columns:1fr}}