:root { --primary: #306ec1; --black:#111111; --dark:#1C1C1C; --mid:#2B2B2B; --light:#F5F5F5; --white:#ffffff; }
* { box-sizing:border-box; }
body { margin:0; font-family: Arial, Helvetica, sans-serif; color:var(--black); background:#fff; line-height:1.7; }
a { color:inherit; text-decoration:none; }
img { max-width:100%; height:auto; display:block; }
header, .site-header { background:linear-gradient(135deg, var(--primary), #18345f); color:#fff; position:sticky; top:0; z-index:20; box-shadow:0 8px 24px rgba(0,0,0,.12); }
.container { width:min(1120px, calc(100% - 32px)); margin:0 auto; }
.header-wrap { display:flex; align-items:center; justify-content:space-between; min-height:72px; gap:18px; }
.logo { display:flex; align-items:center; gap:10px; font-weight:800; letter-spacing:.5px; }
.logo img { width:44px; height:44px; border-radius:14px; background:#fff; object-fit:contain; padding:4px; }
.logo span { font-size:1.3rem; }
nav { display:none; flex-direction:column; position:absolute; left:16px; right:16px; top:72px; background:#fff; color:var(--black); padding:16px; border-radius:18px; box-shadow:0 18px 40px rgba(0,0,0,.18); }
nav a { padding:10px 12px; border-radius:12px; font-weight:700; }
nav a:hover { background:var(--light); color:var(--primary); }
.nav-toggle { display:none; }
.mobile-nav { width:42px; height:42px; display:grid; place-content:center; gap:5px; border:1px solid rgba(255,255,255,.45); border-radius:14px; cursor:pointer; }
.mobile-nav span { width:20px; height:2px; background:#fff; display:block; }
.nav-toggle:checked ~ nav { display:flex; }
.hero, .banner { background:linear-gradient(135deg, #10213d 0%, var(--primary) 100%); color:#fff; padding:64px 0; }
.hero-grid { display:grid; gap:32px; align-items:center; }
.kicker { display:inline-flex; background:rgba(255,255,255,.16); padding:8px 12px; border-radius:999px; font-weight:700; margin-bottom:16px; }
h1 { font-size:clamp(2rem, 8vw, 4.2rem); line-height:1.1; margin:0 0 18px; letter-spacing:-1.5px; }
h2 { font-size:clamp(1.5rem, 4vw, 2.3rem); line-height:1.2; margin:0 0 14px; }
h3 { margin:0 0 10px; }
p { margin:0 0 14px; }
section { padding:56px 0; }
.section-alt { background:var(--light); }
.lead { font-size:1.08rem; opacity:.92; }
.tags { display:flex; flex-wrap:wrap; gap:10px; margin:22px 0; }
.tag { background:rgba(255,255,255,.16); color:#fff; border:1px solid rgba(255,255,255,.3); padding:8px 12px; border-radius:999px; font-size:.92rem; font-weight:700; }
.btn { display:inline-flex; align-items:center; justify-content:center; background:var(--primary); color:#fff; padding:13px 22px; border-radius:16px; font-weight:800; box-shadow:0 12px 24px rgba(48,110,193,.28); border:none; }
.hero .btn { background:#fff; color:var(--primary); }
.grid { display:grid; gap:18px; }
.card { background:#fff; border-radius:20px; padding:24px; box-shadow:0 12px 32px rgba(17,17,17,.08); border:1px solid rgba(17,17,17,.06); }
.card strong, .accent { color:var(--primary); }
.notice { background:#eef5ff; border-left:5px solid var(--primary); padding:18px 20px; border-radius:16px; margin:22px 0; color:#16243b; }
.faq { display:grid; gap:14px; }
.faq details { background:#fff; border-radius:18px; padding:18px 20px; box-shadow:0 8px 24px rgba(0,0,0,.06); }
.faq summary { cursor:pointer; font-weight:800; color:var(--dark); }
.link-row { display:flex; flex-wrap:wrap; gap:12px; margin-top:18px; }
.link-row a { color:var(--primary); font-weight:800; }
.steps { counter-reset: step; display:grid; gap:16px; }
.step { position:relative; padding-left:58px; }
.step:before { counter-increment: step; content: counter(step); position:absolute; left:0; top:0; width:40px; height:40px; display:grid; place-items:center; border-radius:14px; background:var(--primary); color:#fff; font-weight:900; }
.footer { background:linear-gradient(135deg, #13233d, var(--primary)); color:#fff; padding:42px 0; }
.footer-grid { display:grid; gap:24px; }
.footer a { display:block; margin:8px 0; opacity:.92; }
.footer-brand { font-size:1.5rem; font-weight:900; margin-bottom:10px; }
.page-hero { background:var(--light); padding:50px 0 34px; }
.page-hero h1 { color:var(--dark); font-size:clamp(2rem, 6vw, 3.4rem); }
@media (min-width: 768px) {
  nav { display:flex; position:static; flex-direction:row; background:transparent; color:#fff; padding:0; border-radius:0; box-shadow:none; }
  nav a:hover { background:rgba(255,255,255,.16); color:#fff; }
  .mobile-nav { display:none; }
  .hero-grid { grid-template-columns:1.15fr .85fr; }
  .grid.two { grid-template-columns:repeat(2,1fr); }
  .grid.three { grid-template-columns:repeat(3,1fr); }
  .footer-grid { grid-template-columns:1.5fr .8fr 1fr; }
}
@media (min-width: 1024px) {
  section { padding:72px 0; }
  .hero, .banner { padding:84px 0; }
  .card { padding:28px; }
}