:root { --primary:#306ec1; --black:#111111; --dark:#1C1C1C; --mid:#2B2B2B; --light:#F5F5F5; --white:#ffffff; --muted:#666b75; --line:#e7e9ee; }
* { box-sizing: border-box; }
body { margin:0; font-family: Arial, Helvetica, sans-serif; color:var(--black); background:var(--light); line-height:1.65; }
a { color:inherit; text-decoration:none; }
img { max-width:100%; display:block; }
header, .site-header { background:linear-gradient(135deg, var(--primary), #16345f); color:var(--white); position:sticky; top:0; z-index:10; box-shadow:0 8px 22px rgba(0,0,0,.12); }
.container { width:min(1120px, calc(100% - 32px)); margin:0 auto; }
.header-wrap { min-height:72px; display:flex; align-items:center; justify-content:space-between; gap:18px; }
.logo { display:flex; align-items:center; gap:10px; font-weight:800; letter-spacing:.5px; font-size:22px; }
.logo img { width:44px; height:44px; object-fit:contain; border-radius:12px; background:#fff; padding:4px; }
nav { display:none; flex-direction:column; position:absolute; left:16px; right:16px; top:72px; padding:16px; background:#ffffff; color:#111; border-radius:18px; box-shadow:0 18px 40px rgba(0,0,0,.16); }
nav a { padding:10px 12px; border-radius:12px; font-weight:700; }
nav a:hover { background:rgba(48,110,193,.1); color:var(--primary); }
.nav-toggle { display:none; }
.mobile-nav { width:44px; height:44px; border-radius:14px; display:flex; flex-direction:column; gap:5px; align-items:center; justify-content:center; background:rgba(255,255,255,.16); cursor:pointer; }
.mobile-nav span { width:21px; height:2px; background:#fff; border-radius:99px; }
.nav-toggle:checked ~ nav { display:flex; }
.hero, .banner { background:linear-gradient(140deg, #ffffff 0%, #eef4ff 52%, rgba(48,110,193,.17) 100%); padding:44px 0 36px; }
.hero-grid { display:grid; gap:28px; align-items:center; }
.eyebrow { display:inline-flex; align-items:center; gap:8px; color:var(--primary); font-weight:800; background:rgba(48,110,193,.1); border-radius:999px; padding:7px 12px; font-size:14px; }
h1 { font-size:34px; line-height:1.15; margin:16px 0; letter-spacing:-.6px; }
h2 { font-size:26px; margin:0 0 14px; line-height:1.25; }
h3 { margin:0 0 10px; line-height:1.3; }
p { margin:0 0 14px; }
.hero p.lead { font-size:18px; color:#293241; }
.tags { display:flex; flex-wrap:wrap; gap:10px; margin:20px 0; }
.tag { display:inline-flex; padding:9px 12px; border-radius:999px; background:#fff; border:1px solid rgba(48,110,193,.22); color:#243042; font-weight:700; box-shadow:0 6px 18px rgba(0,0,0,.06); }
.btn { display:inline-flex; align-items:center; justify-content:center; min-height:46px; padding:12px 20px; border-radius:16px; background:var(--primary); color:#fff; font-weight:800; border:0; box-shadow:0 10px 22px rgba(48,110,193,.28); transition:.2s ease; }
.btn:hover { transform:translateY(-2px); box-shadow:0 14px 28px rgba(48,110,193,.34); }
.hero-card { border-radius:24px; background:#fff; padding:18px; box-shadow:0 20px 55px rgba(17,17,17,.12); }
.hero-card img { border-radius:20px; margin:auto; }
section { padding:34px 0; }
.section-title { max-width:780px; margin-bottom:22px; }
.grid { display:grid; grid-template-columns:1fr; gap:16px; }
.card { background:#fff; border:1px solid var(--line); border-radius:18px; padding:20px; box-shadow:0 8px 24px rgba(17,17,17,.06); }
.card strong { color:var(--primary); }
.notice { border-left:5px solid var(--primary); background:#fff; padding:18px 20px; border-radius:18px; box-shadow:0 8px 24px rgba(17,17,17,.06); }
.notice b { color:var(--primary); }
.faq { display:grid; gap:14px; }
.faq details { background:#fff; border:1px solid var(--line); border-radius:18px; padding:16px 18px; box-shadow:0 8px 20px rgba(17,17,17,.05); }
.faq summary { font-weight:800; cursor:pointer; color:#172033; }
.faq p { margin-top:10px; color:#4a5260; }
.inline-links { display:flex; flex-wrap:wrap; gap:10px; margin-top:16px; }
.inline-links a { color:var(--primary); font-weight:800; background:rgba(48,110,193,.1); padding:8px 12px; border-radius:999px; }
.step-list { counter-reset:step; list-style:none; padding:0; display:grid; gap:14px; }
.step-list li { counter-increment:step; background:#fff; border-radius:18px; border:1px solid var(--line); padding:16px 16px 16px 58px; position:relative; box-shadow:0 8px 20px rgba(17,17,17,.05); }
.step-list li:before { content:counter(step); position:absolute; left:16px; top:16px; width:30px; height:30px; display:grid; place-items:center; border-radius:50%; background:var(--primary); color:#fff; font-weight:800; }
.footer { background:linear-gradient(135deg, #152238, var(--primary)); color:#fff; padding:34px 0 16px; margin-top:34px; }
.footer-grid { display:grid; gap:22px; }
.footer a { display:block; color:#eef6ff; margin:7px 0; }
.footer p { color:#e6edf8; }
.copyright { border-top:1px solid rgba(255,255,255,.18); margin-top:22px; padding-top:16px; color:#e7edf7; font-size:14px; }
@media (min-width: 768px) {
    h1 { font-size:46px; }
    .hero-grid { grid-template-columns:1.08fr .92fr; }
    .grid { grid-template-columns:repeat(2, minmax(0,1fr)); }
    .footer-grid { grid-template-columns:1.4fr .8fr 1.2fr; }
    nav { display:flex; position:static; flex-direction:row; background:transparent; color:#fff; box-shadow:none; padding:0; }
    nav a:hover { background:rgba(255,255,255,.15); color:#fff; }
    .mobile-nav { display:none; }
}
@media (min-width: 1024px) {
    .hero, .banner { padding:68px 0 56px; }
    section { padding:48px 0; }
    .grid.three { grid-template-columns:repeat(3, minmax(0,1fr)); }
    h1 { font-size:54px; }
}