:root{--bg:#f7f9fc;--card:#fff;--text:#0b1220;--muted:#4b5565;--brand:#0a66c2;--line:rgba(2,8,23,.08);--shadow:0 18px 60px rgba(2,8,23,.10);--radius:18px;--max:1300px}
*{box-sizing:border-box}html,body{margin:0;padding:0}
body{font-family:ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Arial;background:var(--bg);color:var(--text);line-height:1.65}
a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}
.container{max-width:var(--max);margin:0 auto;padding:18px}
.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:12px 18px;max-width:var(--max);margin:0 auto}
.brand{display:flex;align-items:center;gap:10px;font-weight:800}
.brand .pill{font-size:12px;padding:4px 8px;border:1px solid var(--line);border-radius:999px;color:var(--muted)}
.navlinks{display:flex;gap:14px;flex-wrap:wrap;justify-content:flex-end}
.navlinks a{font-weight:700;font-size:14px;color:var(--text)}
.hero{padding:32px 0 12px}
.hero-card{position:relative;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:calc(var(--radius) + 4px);overflow:hidden;background:var(--card)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:18px;align-items:stretch}
@media(max-width:920px){.hero-grid{grid-template-columns:1fr}}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transform:scale(1.02)}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg, rgba(255,255,255,.94) 0%, rgba(255,255,255,.78) 55%, rgba(255,255,255,.40) 100%)}
.hero-copy{position:relative;padding:22px}
.bcrumb{color:var(--muted);font-size:13px;margin:0 0 10px}
h1{font-size:27px;line-height:1.18;margin:0 0 12px}
.lead{font-size:16px;color:var(--muted);margin:0 0 12px;max-width:70ch}
.cta-row{display:flex;gap:10px;flex-wrap:wrap;margin:14px 0 0}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:10px 14px;border-radius:12px;font-weight:800;border:1px solid var(--line);background:var(--brand);color:#fff}
.btn.alt{background:#fff;color:var(--text)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:920px){.grid2{grid-template-columns:1fr}}
.section{padding:18px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.card h2{margin:0 0 10px;font-size:22px}
.card h3{margin:14px 0 8px;font-size:18px}
.muted{color:var(--muted);max-width:80ch}
.badges{display:flex;gap:8px;flex-wrap:wrap;margin:10px 0 0}
.badge{font-size:12px;padding:4px 8px;border:1px solid var(--line);border-radius:999px;color:var(--muted);background:#fff}
table{width:100%;border-collapse:collapse;border-radius:14px;border:1px solid var(--line);overflow:hidden;background:#fff}
th,td{padding:10px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:rgba(2,8,23,.04);text-align:left}
tr:last-child td{border-bottom:none}
.kgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
@media(max-width:920px){.kgrid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.kgrid{grid-template-columns:1fr}}
.klink{display:block;padding:10px 12px;border:1px solid var(--line);border-radius:14px;background:#fff;font-weight:800;color:var(--text)}
.klink small{display:block;color:var(--muted);font-weight:700}
.footer{margin-top:22px;border-top:1px solid var(--line);background:#fff}
.footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:18px;padding:18px}
@media(max-width:920px){.footer .cols{grid-template-columns:1fr}}
.footer h4{margin:0 0 10px}
.footer a{display:block;padding:4px 0;color:var(--muted);font-weight:700}
.small{font-size:12px;color:var(--muted)}
.notice{padding:12px 14px;border:1px dashed var(--line);border-radius:14px;background:rgba(14,165,233,.06)}
details.faq{border-top:1px solid var(--line);padding:10px 0}
details.faq summary{cursor:pointer}