:root{
  --bg:#f7f9fc;--white:#fff;--text:#1f2a37;--muted:#5b6573;--line:#e5eaf0;
  --primary:#2457f5;--primary-dark:#163ec2;--soft:#edf3ff;--green:#0f9d58;
  --shadow:0 10px 30px rgba(27,39,94,.08);--radius:20px;--max:1180px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:var(--bg);line-height:1.65}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
.container{width:min(var(--max),calc(100% - 32px));margin:auto}
header{position:sticky;top:0;z-index:50;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:20px;min-height:76px}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;font-size:20px}
.brand-badge{width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,#2457f5,#7fa2ff);display:grid;place-items:center;color:#fff;font-weight:800;box-shadow:var(--shadow)}
nav ul{display:flex;list-style:none;margin:0;padding:0;gap:18px;flex-wrap:wrap}
nav a{color:var(--muted);font-weight:600}
nav a:hover,nav a.active{color:var(--primary)}
.hero{padding:70px 0 44px}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:30px;align-items:center}
.pill{display:inline-flex;align-items:center;gap:10px;background:var(--soft);color:var(--primary);border:1px solid #d8e4ff;border-radius:999px;padding:10px 14px;font-size:14px;font-weight:700;margin-bottom:18px}
h1{font-size:clamp(34px,5vw,58px);line-height:1.08;margin:0 0 16px;letter-spacing:-1px}
h2{font-size:clamp(28px,4vw,42px);line-height:1.15}
.hero p,.lead{font-size:18px;color:var(--muted)}
.btn{display:inline-block;background:var(--primary);color:#fff;padding:14px 22px;border-radius:12px;font-weight:700;transition:.25s ease;box-shadow:var(--shadow);border:0;cursor:pointer}
.btn:hover{background:var(--primary-dark)}
.btn.secondary{background:#fff;color:var(--primary);border:1px solid #cfdafc;box-shadow:none}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:24px 0}
.notice,.panel,.card,.disclaimer,details{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow)}
.notice{border-left:4px solid var(--green);padding:16px 18px;border-radius:14px;color:var(--muted)}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:28px;padding:20px;box-shadow:var(--shadow)}
.hero-visual{background:linear-gradient(180deg,#f7fbff,#eef4ff);border-radius:24px;padding:18px;border:1px solid #dde8ff}
section{padding:42px 0}
.section-head{text-align:center;max-width:780px;margin:0 auto 30px}
.section-head h2{margin:0 0 10px}
.section-head p{margin:0;color:var(--muted);font-size:17px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{border-radius:22px;overflow:hidden;transition:.25s ease}
.card:hover{transform:translateY(-4px)}
.card-illus{height:170px;background:linear-gradient(135deg,#edf3ff,#fff);display:flex;align-items:center;justify-content:center;padding:12px;border-bottom:1px solid var(--line)}
.card-body{padding:22px}
.card h3{margin:0 0 10px;font-size:22px}
.card p{margin:0 0 14px;color:var(--muted)}
.read{color:var(--primary);font-weight:700}
.feature-band{background:#fff;border:1px solid var(--line);border-radius:28px;box-shadow:var(--shadow);padding:32px;display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:center}
.check-list{list-style:none;padding:0;margin:18px 0 0}
.check-list li{margin:0 0 12px;padding-left:32px;position:relative;color:var(--muted);font-weight:600}
.check-list li::before{content:"✓";position:absolute;left:0;top:2px;width:22px;height:22px;border-radius:50%;display:grid;place-items:center;color:#fff;background:var(--green);font-size:13px}
.page-hero{padding:56px 0 24px}
.page-hero .inner{background:linear-gradient(135deg,#eef4ff,#fff);border:1px solid #dce6fb;border-radius:28px;padding:40px}
.page-hero p{max-width:760px;color:var(--muted);font-size:18px}
.content-wrap{display:grid;grid-template-columns:1fr 300px;gap:28px}
.article,.sidebar{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:var(--shadow)}
.article h2{font-size:28px;margin-top:0}
.article h3{margin-top:28px}
.article p,.article li,.sidebar p,.sidebar li{color:var(--muted)}
.sidebar ul{padding-left:18px}
.faq{display:grid;gap:16px;max-width:900px;margin:auto}
details{border-radius:16px;padding:18px 20px}
summary{cursor:pointer;font-weight:700;font-size:18px}
details p{margin:14px 0 0;color:var(--muted)}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.panel{border-radius:22px;padding:26px}
.panel h3{margin-top:0;font-size:26px}
.panel p{color:var(--muted)}
form{display:grid;gap:14px}
input,textarea{width:100%;padding:14px 15px;border:1px solid #dbe1ea;border-radius:12px;font-size:15px;font-family:inherit;background:#fff}
textarea{min-height:130px;resize:vertical}
.disclaimer{border-radius:20px;padding:24px;color:var(--muted)}
.disclaimer strong{color:var(--text)}
footer{margin-top:32px;background:#0f1725;color:#d9e2ef;padding:38px 0 24px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px;margin-bottom:20px}
footer h4{margin:0 0 12px;color:#fff}
footer p,footer li{color:#c4cfdf}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.copy{border-top:1px solid rgba(255,255,255,.12);padding-top:16px;color:#9fb0c6;font-size:14px;text-align:center}
@media(max-width:980px){.hero-grid,.feature-band,.contact-grid,.footer-grid,.content-wrap{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.nav{flex-direction:column;align-items:flex-start;padding:12px 0}nav ul{gap:14px}.cards{grid-template-columns:1fr}.hero{padding-top:38px}.page-hero .inner{padding:26px}}