:root {
  --navy: #0b2f55;
  --navy-deep: #082440;
  --blue: #1684c5;
  --blue-dark: #086da9;
  --pale: #edf7fc;
  --ink: #233a50;
  --muted: #63778a;
  --line: #dce8f0;
  --surface: #f7fafc;
  --shadow: 0 18px 46px rgba(9, 45, 85, .09);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: #fff;
  color: var(--ink);
  font: 16px/1.7 Inter, system-ui, -apple-system, "Segoe UI", sans-serif;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: var(--blue-dark); }
.wrap { width: min(1120px, calc(100% - 40px)); margin-inline: auto; }

.notice {
  background: #f2f8fc;
  border-bottom: 1px solid var(--line);
  padding: 8px 0;
  color: #446176;
  font-size: 12px;
}
.notice .wrap { display: flex; gap: 8px; align-items: center; }
header, .top {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid #e8eff4;
  backdrop-filter: blur(12px);
}
.bar, .nav {
  min-height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  flex: 0 0 auto;
  color: var(--navy);
  font-size: 20px;
  font-weight: 850;
  line-height: 1.2;
  text-decoration: none;
  letter-spacing: -.025em;
}
.brand small {
  display: block;
  margin-top: 5px;
  color: var(--muted);
  font-size: 9px;
  font-weight: 750;
  letter-spacing: .14em;
}
.bar nav, .links, .footer-links { display: flex; align-items: center; gap: 6px; }
.bar nav a, .links a {
  display: inline-flex;
  align-items: center;
  min-height: 40px;
  padding: 0 11px;
  border-radius: 9px;
  color: #38546b;
  font-size: 13px;
  font-weight: 720;
  text-decoration: none;
  white-space: nowrap;
  transition: background .18s ease, color .18s ease;
}
.bar nav a:hover, .links a:hover { color: var(--blue-dark); background: var(--pale); }
.bar nav a[aria-current="page"], .links a[aria-current="page"] { color: var(--blue-dark); background: #eaf5fb; }
.mobile {
  display: none;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 10px;
  color: var(--navy);
  font-size: 20px;
  padding: 6px 11px;
  cursor: pointer;
}

.hero {
  overflow: hidden;
  background: linear-gradient(115deg, #f3f9fd 0%, #e8f5fb 58%, #dceff9 100%);
  padding: 72px 0;
}
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(300px, .92fr); gap: 54px; align-items: center; }
.hero h1, h1, h2, h3 { color: var(--navy); line-height: 1.18; letter-spacing: -.035em; }
h1 { max-width: 820px; margin: 13px 0 16px; font-size: clamp(36px, 5vw, 56px); }
.hero h1 { max-width: 640px; }
h2 { margin: 0 0 12px; font-size: clamp(26px, 3vw, 32px); }
h3 { margin: 30px 0 10px; font-size: 21px; }
.hero p { max-width: 680px; margin: 0; color: #4f687d; font-size: 18px; }
.hero-art { min-height: 300px; overflow: hidden; border: 7px solid rgba(255,255,255,.76); border-radius: 24px; box-shadow: var(--shadow); background: #dcebf3; }
.hero-art img { width: 100%; height: 350px; object-fit: cover; object-position: center; }
.eyebrow { color: var(--blue-dark); text-transform: uppercase; letter-spacing: .14em; font-size: 11px; font-weight: 850; }
.actions { display: flex; flex-wrap: wrap; align-items: center; gap: 11px; margin: 26px 0 20px; }
.btn {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  gap: 8px;
  min-height: 46px;
  padding: 11px 18px;
  border: 1px solid var(--blue);
  border-radius: 10px;
  background: var(--blue);
  color: #fff;
  font-size: 14px;
  font-weight: 780;
  line-height: 1.3;
  text-decoration: none;
  box-shadow: 0 7px 18px rgba(22,132,197,.16);
  transition: transform .18s ease, background .18s ease, box-shadow .18s ease;
}
.btn:hover { transform: translateY(-1px); background: var(--blue-dark); box-shadow: 0 10px 22px rgba(22,132,197,.22); }
.btn.alt { background: #fff; color: var(--navy); border-color: #cbdde8; box-shadow: none; }
.btn.alt:hover { background: var(--pale); }
.btn.navy { background: var(--navy); border-color: var(--navy); }
.safe { margin-top: 18px; padding: 15px 17px; border: 1px solid #d5e9f4; border-radius: 12px; background: rgba(255,255,255,.72); color: #526b80; font-size: 13px; }
.safe strong { color: var(--navy); }

.section { padding: 62px 0; }
.section.soft { background: var(--surface); }
.lead { max-width: 760px; margin: 0 0 20px; color: var(--muted); font-size: 16px; }
.cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; margin-top: 28px; }
.grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; margin-top: 28px; }
.card {
  display: flex;
  flex-direction: column;
  min-width: 0;
  padding: 25px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: #fff;
  box-shadow: var(--shadow);
  transition: transform .18s ease, box-shadow .18s ease;
}
.card:hover { transform: translateY(-2px); box-shadow: 0 22px 48px rgba(9,45,85,.13); }
.card .icon {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 13px;
  border-radius: 12px;
  background: var(--pale);
  color: var(--blue-dark);
  font-size: 20px;
  font-weight: 800;
}
.card .num { color: var(--blue-dark); font-size: 11px; font-weight: 850; letter-spacing: .12em; }
.card h2 { margin: 10px 0; font-size: 21px; }
.card h3 { margin: 4px 0 9px; font-size: 20px; }
.card p { flex: 1; margin: 0 0 16px; color: var(--muted); font-size: 14px; }
.card a { align-self: flex-start; color: var(--blue-dark); font-weight: 780; text-decoration: none; }
.card a:hover { text-decoration: underline; }

.page-head { padding: 55px 0 48px; background: linear-gradient(115deg, #f3f9fd, #e8f5fb); }
.page-head h1 { max-width: 850px; font-size: clamp(34px, 4.5vw, 48px); }
.page-head p { max-width: 740px; margin: 0 0 20px; color: #526b80; font-size: 17px; }
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(280px, .85fr); gap: 48px; align-items: center; }
.split > img { width: 100%; max-height: 440px; object-fit: cover; border-radius: 18px; box-shadow: var(--shadow); }
.bullets { margin: 18px 0 25px; padding-left: 21px; }
.bullets li { padding: 5px 0 5px 3px; }
.guide-copy { max-width: 850px; margin: auto; }
.guide-copy p { color: #4d6377; }
.guide-copy a { font-weight: 700; }

.faq { display: grid; gap: 11px; margin-top: 25px; }
.faq details { padding: 17px 20px; border: 1px solid var(--line); border-radius: 12px; background: #fff; }
.faq summary { color: var(--navy); font-weight: 760; cursor: pointer; }
.faq details p { margin: 12px 0 0; color: var(--muted); }
.contact-box { max-width: 720px; margin: auto; padding: 32px; border: 1px solid var(--line); border-radius: 18px; background: #fff; box-shadow: var(--shadow); }
.contact-box p { color: var(--muted); }

.article { max-width: 780px; margin: 0 auto; padding: 50px 0 76px; }
.article h1 { font-size: clamp(34px, 4.5vw, 48px); }
.article h2 { margin-top: 32px; font-size: 25px; }
.article p { margin: 17px 0; }
.article .summary { color: #526b80; font-size: 18px; }
.article .meta { margin: 10px 0 26px; color: var(--muted); font-size: 13px; }
.article ol, .article ul { padding-left: 24px; }
.article li { padding: 5px 0; }
.article a { color: var(--blue-dark); font-weight: 750; }
.callout { margin: 26px 0; padding: 17px 20px; border-left: 4px solid var(--blue); border-radius: 8px; background: var(--pale); }
.back { display: inline-block; margin-top: 30px; color: var(--blue-dark); font-weight: 750; text-decoration: none; }

.footer, footer { border-top: 1px solid var(--line); background: #f5f9fc; padding: 30px 0; color: var(--muted); font-size: 13px; }
.footer-row { display: flex; justify-content: space-between; align-items: center; gap: 32px; }
.footer-row > div:first-child { max-width: 620px; }
.footer-row p { margin: 9px 0 0; }
.footer-links { flex-wrap: wrap; justify-content: flex-end; gap: 6px 16px; }
.footer-links a { color: #38546b; font-weight: 700; text-decoration: none; }
.footer-links a:hover { color: var(--blue-dark); }
.foot { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.foot p { margin: 3px 0; }
.whats { position: fixed; right: 22px; bottom: 22px; z-index: 8; padding: 13px 18px; border-radius: 999px; background: #16845b; color: #fff; box-shadow: 0 10px 28px rgba(10,76,52,.25); font-size: 14px; font-weight: 800; text-decoration: none; }
.whats:hover { background: #106c49; }

@media (max-width: 900px) {
  .wrap { width: min(100% - 36px, 760px); }
  .bar, .nav { min-height: 70px; }
  .bar nav, .links { gap: 1px; }
  .bar nav a, .links a { padding-inline: 8px; font-size: 12px; }
  .hero-grid { gap: 30px; }
  .cards { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .split { gap: 30px; }
}
@media (max-width: 680px) {
  .wrap { width: calc(100% - 32px); }
  .notice .wrap { align-items: flex-start; }
  .bar { min-height: 0; flex-wrap: wrap; gap: 10px; padding: 13px 0; }
  .bar .brand { margin-right: auto; }
  .mobile { display: inline-flex; align-items: center; justify-content: center; }
  .bar nav { display: none; order: 3; width: 100%; flex-direction: column; align-items: stretch; gap: 2px; padding-top: 5px; }
  .bar nav.open { display: flex; }
  .bar nav a { width: 100%; min-height: 42px; padding-inline: 12px; font-size: 14px; }
  .nav { align-items: flex-start; flex-direction: column; gap: 8px; padding: 13px 0; }
  .links { width: 100%; overflow: visible; flex-wrap: wrap; padding-bottom: 3px; }
  .links a { flex: 0 0 auto; min-height: 40px; font-size: 13px; }
  .hero { padding: 44px 0; }
  .hero-grid { grid-template-columns: 1fr; gap: 26px; }
  .hero-art { min-height: 0; }
  .hero-art img { height: clamp(210px, 62vw, 320px); }
  .hero p { font-size: 16px; }
  h1 { font-size: clamp(34px, 10vw, 44px); }
  .actions { align-items: stretch; flex-direction: column; }
  .actions .btn { width: 100%; }
  .section { padding: 43px 0; }
  .cards, .grid, .split { grid-template-columns: 1fr; }
  .split { gap: 24px; }
  .split > img { max-height: 320px; }
  .page-head { padding: 42px 0 36px; }
  .footer-row { align-items: flex-start; flex-direction: column; gap: 18px; }
  .footer-links { justify-content: flex-start; }
  .article { padding: 34px 0 54px; }
  .article .summary { font-size: 16px; }
  .contact-box { padding: 24px; }
  .whats { right: 14px; bottom: 14px; padding: 11px 15px; }
}