.btn-ghost{border:2px solid var(--line);color:var(--navy);background:#fff}
.btn-ghost:hover{border-color:var(--teal);color:var(--teal)}
.phero{position:relative;overflow:hidden;color:#fff;background:var(--navy) url("/media/sanasto_1800x620.jpg") center 40%/cover no-repeat;padding:92px 0 96px}
.phero p{font-size:19px;color:rgba(255,255,255,.9);max-width:660px}
.callout{background:var(--navy);color:#fff;border-radius:16px;padding:38px 40px;display:grid;grid-template-columns:1.4fr .8fr;gap:30px;align-items:center;border-left:6px solid var(--amber)}
.callout h3{color:#fff;font-size:22px;margin-bottom:8px}
.callout p{color:rgba(255,255,255,.85);font-size:15.5px}
.callout .btns{display:flex;gap:12px;flex-wrap:wrap;justify-content:flex-end}
.cta{background:var(--teal);color:#fff;padding:72px 0}
.cta .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
.cta h2{color:#fff;font-size:32px;margin-bottom:10px}
.cta p{color:rgba(255,255,255,.9);max-width:560px}
.cta .btns{display:flex;gap:14px;flex-wrap:wrap;justify-content:flex-end}
.abc{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:34px}
.abc span{width:40px;height:40px;border-radius:10px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;font-family:Poppins,Arial,sans-serif;font-weight:600;color:var(--navy)}
.abc span.n{color:#b7c2cc;background:transparent}
.term{max-width:900px;display:grid;grid-template-columns:72px 1fr;gap:22px;padding:30px 0;border-top:1px solid var(--line)}
.term:first-of-type{border-top:0;padding-top:0}
.term .L{width:60px;height:60px;border-radius:14px;background:var(--navy);color:var(--amber);display:grid;place-items:center;font-family:Poppins,Arial,sans-serif;font-weight:700;font-size:26px}
.term h3{font-size:20px;font-weight:600;margin-bottom:8px}
.term p{color:#2a3744}
.term .cnt{font-size:13px;color:var(--muted);margin-top:8px}
@media (max-width:900px){.callout,.cta .wrap{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr 1fr}.menu{display:none}.phero h1{font-size:40px}.sec h2{font-size:30px}.cta .btns,.callout .btns{justify-content:flex-start}.term{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}