:root{
  --navy:#0c2438;--blue:#0e6fa8;--sky:#e9f5fb;--ink:#12202b;--muted:#5f6d78;
  --line:#dfe8ee;--white:#fff;--soft:#f7fafc;--green:#0b8f6a;--gold:#b88a2b;
  --shadow:0 16px 40px rgba(20,45,65,.10);--radius:24px;--max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.68}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{width:min(var(--max),calc(100% - 36px));margin:0 auto}
.topbar{background:var(--navy);color:#d9e8f3;font-size:12px;padding:8px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:18px}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.brand{display:flex;align-items:center;gap:11px;font-weight:900;color:var(--navy)}
.brand-mark{width:38px;height:38px;border-radius:12px;background:linear-gradient(140deg,var(--blue),var(--navy));display:grid;place-items:center;color:#fff;font-weight:900}
.brand small{display:block;font-weight:700;font-size:10px;color:var(--muted);letter-spacing:.08em;text-transform:uppercase}
.navlinks{display:flex;gap:22px;align-items:center;font-size:14px;font-weight:700}
.navlinks a:hover{color:var(--blue)}
.nav-actions{display:flex;gap:10px;align-items:center}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 18px;border-radius:999px;border:1px solid transparent;font-weight:800;font-size:14px;cursor:pointer}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:#095d8f}
.btn-outline{border-color:#b8c9d4;background:#fff;color:var(--navy)}
.hero{position:relative;overflow:hidden;background:
radial-gradient(circle at 78% 20%,rgba(14,111,168,.18),transparent 36%),
radial-gradient(circle at 0% 100%,rgba(11,143,106,.12),transparent 40%),
linear-gradient(145deg,#f7fbfe,#eef6fa 58%,#fff);padding:82px 0 66px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;color:var(--blue);font-size:12px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
h1{font-size:clamp(36px,5.2vw,66px);line-height:1.03;letter-spacing:-.035em;margin:0 0 20px;color:var(--navy)}
.hero p{font-size:18px;color:#465765;max-width:760px;margin:0 0 28px}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:28px;padding:26px;box-shadow:var(--shadow)}
.hero-card strong{display:block;font-size:22px;color:var(--navy);margin-bottom:12px}
.hero-card ul{margin:0;padding-left:20px;color:var(--muted)}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px}
section{padding:70px 0}
.section-soft{background:var(--soft)}
.section-head{display:grid;grid-template-columns:.75fr 1.25fr;gap:38px;align-items:start;margin-bottom:34px}
.kicker{color:var(--blue);font-weight:900;font-size:12px;letter-spacing:.12em;text-transform:uppercase}
h2{font-size:clamp(28px,3.4vw,44px);line-height:1.12;letter-spacing:-.025em;color:var(--navy);margin:0 0 14px}
h3{font-size:22px;line-height:1.25;color:var(--navy);margin:0 0 10px}
p{margin:0 0 16px}
.lead{font-size:17px;color:var(--muted)}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:25px;background:#fff;box-shadow:0 8px 24px rgba(20,45,65,.05)}
.card p,.card li{color:var(--muted)}
.icon{width:44px;height:44px;border-radius:13px;background:var(--sky);display:grid;place-items:center;color:var(--blue);font-weight:900;margin-bottom:16px}
.checklist{display:grid;gap:10px;padding:0;margin:0;list-style:none}
.checklist li{padding-left:27px;position:relative}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:900}
.notice{padding:20px 22px;border-radius:18px;background:#fff8e7;border:1px solid #f0ddb1;color:#6d551f}
.policy{padding:24px;border-left:4px solid var(--blue);background:#f4f9fc;border-radius:0 18px 18px 0}
.breadcrumb{font-size:12px;color:var(--muted);margin:18px auto}
.breadcrumb a{color:var(--blue)}
.cta{background:linear-gradient(135deg,var(--navy),#173f5c);color:#fff;border-radius:32px;padding:34px;display:grid;grid-template-columns:1.3fr .7fr;gap:30px;align-items:center}
.cta h2,.cta p{color:#fff}
.faq{display:grid;gap:12px}
.faq details{border:1px solid var(--line);border-radius:16px;padding:16px 18px;background:#fff}
.faq summary{font-weight:800;color:var(--navy);cursor:pointer}
.faq details p{padding-top:10px;color:var(--muted)}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:18px;overflow:hidden;border:1px solid var(--line)}
th,td{text-align:left;padding:13px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#eef5f8;color:var(--navy);font-size:13px}
footer{background:#081b2a;color:#dbe7ef;padding:44px 0 30px;margin-top:70px}
.footer-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:34px}
footer a{color:#dbe7ef}
footer small{color:#91a8b8}
.footer-links{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 20px}
.inquiry-panel{border:1px solid var(--line);border-radius:24px;background:#fff;padding:26px}
.inquiry-panel label{display:block;font-size:12px;font-weight:800;color:var(--navy);margin:12px 0 6px}
.inquiry-panel input,.inquiry-panel select,.inquiry-panel textarea{width:100%;padding:12px;border:1px solid #cbd8df;border-radius:12px;font:inherit}
.inquiry-panel textarea{min-height:130px;resize:vertical}
.meta-row{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0}
.pill{display:inline-flex;padding:7px 11px;border-radius:999px;background:#eaf4f9;color:#0d5e8d;font-size:12px;font-weight:800}
@media(max-width:900px){
 .navlinks{display:none}.hero-grid,.section-head,.cta,.footer-grid,.grid-3,.grid-2{grid-template-columns:1fr}
 .hero{padding-top:56px}.topbar .wrap{display:block}.topbar span{display:block}
}