:root{
  --ink:#132235;--muted:#5c6877;--bg:#f7f9fb;--panel:#fff;--line:#dfe5eb;
  --brand:#163a5f;--brand2:#235b8f;--accent:#f0a126;--ok:#eef6f1;
  --radius:18px;--shadow:0 10px 30px rgba(19,34,53,.08)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
a{color:var(--brand2)}img{max-width:100%;height:auto}.wrap{width:min(1120px,92vw);margin:auto}
.topbar{background:var(--ink);color:#fff;font-size:.94rem}.topbar .wrap{display:flex;justify-content:space-between;gap:20px;padding:9px 0;align-items:center}.topbar a{color:#fff;text-decoration:none;font-weight:700}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:74px}
.brand{font-weight:900;color:var(--ink);text-decoration:none;font-size:1.1rem;display:flex;gap:10px;align-items:center}.mark{width:34px;height:34px;border-radius:10px;background:var(--brand);display:grid;place-items:center;color:#fff;font-weight:900}
nav{display:flex;gap:18px;align-items:center}nav a{color:var(--ink);text-decoration:none;font-weight:700;font-size:.94rem}.nav-cta,.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;padding:12px 18px;text-decoration:none;font-weight:850}
.nav-cta,.btn.primary{background:var(--accent);color:#1b1b1b}.btn.secondary{background:#fff;color:var(--brand);border:1px solid var(--line)}
.menu{display:none;background:none;border:0;font-size:1.5rem}
.hero{background:linear-gradient(135deg,#102b47,#1f527e);color:#fff;padding:72px 0 58px}.hero .grid{display:grid;grid-template-columns:1.25fr .75fr;gap:44px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:900;color:#eeb24f}.hero h1{font-size:clamp(2.2rem,5vw,4.5rem);line-height:1.02;margin:.25em 0}.hero p{font-size:1.12rem;color:#e6eef7;max-width:760px}.hero-card{background:#fff;color:var(--ink);padding:26px;border-radius:var(--radius);box-shadow:var(--shadow)}
.hero-card h2{margin-top:0}.hero-card ul{padding-left:20px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.breadcrumbs{font-size:.9rem;color:var(--muted);padding:20px 0}.breadcrumbs a{color:var(--muted);text-decoration:none}
section{padding:58px 0}.section-sm{padding:34px 0}.section-title{max-width:760px;margin-bottom:28px}.section-title h2{font-size:clamp(1.7rem,3vw,2.6rem);line-height:1.14;margin:0 0 10px}.section-title p{color:var(--muted);margin:0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}.card h3{margin-top:0}.card p{color:var(--muted)}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:36px;align-items:start}.content{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:clamp(24px,4vw,44px)}.content h2{margin-top:1.8em}.content h2:first-child{margin-top:0}.content h3{margin-top:1.5em}.content li{margin:.35em 0}
.sidebar{position:sticky;top:100px}.callbox{background:var(--brand);color:#fff;padding:24px;border-radius:var(--radius)}.callbox h3{margin-top:0}.callbox p{color:#dce7f2}.callbox a{width:100%}
.notice{background:#fff8e8;border:1px solid #f2d99b;border-radius:14px;padding:18px}.tip{background:var(--ok);border-left:4px solid #54866a;padding:18px;border-radius:10px}
.linklist{display:grid;gap:10px}.linklist a{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px 15px;text-decoration:none;font-weight:750}
.cta{background:var(--ink);color:#fff;border-radius:var(--radius);padding:32px;display:flex;justify-content:space-between;gap:24px;align-items:center}.cta h2{margin:0 0 6px}.cta p{margin:0;color:#d9e3ed}.cta .btn{white-space:nowrap}
footer{background:#0d1b2a;color:#d8e1ea;margin-top:60px;padding:46px 0 84px}footer a{color:#fff}.footergrid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:30px}.fine{font-size:.85rem;color:#aeb9c4;border-top:1px solid #26384c;margin-top:30px;padding-top:20px}
.mobile-call{display:none}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:10px 0}.faq summary{font-weight:800;cursor:pointer}
@media(max-width:850px){nav{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;padding:18px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}nav.open{display:flex}.menu{display:block}.hero .grid,.content-grid,.footergrid{grid-template-columns:1fr}.sidebar{position:static}.cards{grid-template-columns:1fr}.hero{padding:50px 0}.mobile-call{display:flex;position:fixed;left:14px;right:14px;bottom:14px;z-index:40;background:var(--accent);color:#161616;text-decoration:none;font-weight:900;border-radius:999px;padding:15px 20px;justify-content:center;box-shadow:0 12px 35px rgba(0,0,0,.22)}footer{padding-bottom:110px}.topbar .wrap{justify-content:center}.topbar span:first-child{display:none}}