:root{
  --phm-blue-900:#173b77;
  --phm-blue-800:#214a8d;
  --phm-blue-700:#2b5ca6;
  --phm-blue-100:#eaf2fb;
  --phm-blue-050:#f4f8fd;
  --phm-ink:#17304f;
  --phm-muted:#5e748f;
  --phm-white:#ffffff;
  --phm-border:#c7d9ef;
  --phm-shadow:0 14px 34px rgba(23,59,119,.10);
}
.phm-shell{font-family:Arial,Helvetica,sans-serif;color:var(--phm-ink)}
.phm-wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.phm-hero{background:linear-gradient(135deg,var(--phm-blue-050),var(--phm-white));padding:56px 0 34px}
.phm-hero-grid{display:grid;grid-template-columns:1.4fr .9fr;gap:28px;align-items:center}
.phm-badge,.phm-eyebrow{display:inline-block;background:var(--phm-blue-100);color:var(--phm-blue-900);padding:8px 14px;border-radius:999px;font-size:13px;font-weight:700;letter-spacing:.2px}
.phm-hero h1{font-size:42px;line-height:1.15;margin:18px 0 14px;color:var(--phm-blue-900)}
.phm-lead{font-size:18px;line-height:1.65;color:var(--phm-muted);max-width:760px}
.phm-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.phm-button{display:inline-block;background:var(--phm-blue-800);color:#fff!important;padding:14px 22px;border-radius:14px;text-decoration:none;font-weight:700;box-shadow:var(--phm-shadow)}
.phm-button:hover{background:var(--phm-blue-900)}
.phm-button-alt{background:#fff;color:var(--phm-blue-900)!important;border:1px solid var(--phm-border)}
.phm-panel{background:#fff;border:1px solid var(--phm-border);border-radius:22px;padding:24px;box-shadow:var(--phm-shadow)}
.phm-panel h2,.phm-panel h3{margin-top:0;color:var(--phm-blue-900)}
.phm-panel ul{padding-left:18px;margin-bottom:0}
.phm-kpis{background:var(--phm-blue-900);padding:18px 0}
.phm-kpis .phm-wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.phm-kpi{background:rgba(255,255,255,.08);color:#fff;text-align:center;padding:18px 12px;border-radius:16px}
.phm-section{padding:54px 0}
.phm-section-soft{background:var(--phm-blue-050)}
.phm-heading{max-width:820px;margin-bottom:24px}
.phm-heading h2{font-size:32px;color:var(--phm-blue-900);margin:12px 0}
.phm-heading p{color:var(--phm-muted);font-size:17px;line-height:1.6}
.phm-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.phm-card,.phm-mini-card{background:#fff;border:1px solid var(--phm-border);border-radius:22px;padding:22px;box-shadow:var(--phm-shadow)}
.phm-card h3,.phm-mini-card h3{margin:8px 0 10px;color:var(--phm-blue-900)}
.phm-card p,.phm-mini-card p{color:var(--phm-muted);line-height:1.6}
.phm-tag{display:inline-block;background:var(--phm-blue-100);color:var(--phm-blue-900);padding:6px 10px;border-radius:999px;font-size:12px;font-weight:700}
.phm-link{display:inline-block;margin-top:8px;color:var(--phm-blue-800);text-decoration:none;font-weight:700}
.phm-columns-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.phm-columns-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:1024px){
  .phm-hero-grid,.phm-grid,.phm-columns-2,.phm-columns-3,.phm-kpis .phm-wrap{grid-template-columns:1fr 1fr}
}
@media (max-width:680px){
  .phm-hero-grid,.phm-grid,.phm-columns-2,.phm-columns-3,.phm-kpis .phm-wrap{grid-template-columns:1fr}
  .phm-hero h1{font-size:32px}
}