:root{
  --bg:#f7fafc;
  --surface:#ffffff;
  --text:#10233a;
  --muted:#5d6b7a;
  --primary:#0e7490;
  --primary-dark:#155e75;
  --accent:#f59e0b;
  --border:#d9e2ec;
  --soft:#e6f7fb;
  --shadow:0 10px 30px rgba(16,35,58,.08);
  --radius:18px;
  --max:1120px;
}
*{box-sizing:border-box} html{scroll-behavior:smooth} body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;background:linear-gradient(180deg,#f8fbfd 0%,#eef6fb 100%);color:var(--text);line-height:1.65}
a{color:var(--primary);text-decoration:none} a:hover{text-decoration:underline}
.container{width:min(var(--max),calc(100% - 32px));margin:0 auto}
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid rgba(217,226,236,.8)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0}
.brand{font-weight:800;letter-spacing:.03em;color:var(--text);font-size:1.2rem}
.nav-links{display:flex;gap:18px;flex-wrap:wrap;justify-content:flex-end}
.nav-links a{color:var(--text);font-weight:600}
.hero{padding:72px 0 56px;background:radial-gradient(circle at top right,#d6f4ff 0%,transparent 34%),linear-gradient(135deg,#08203e 0%,#0b3b57 54%,#0e7490 100%);color:#fff}
.kicker{display:inline-flex;align-items:center;gap:8px;padding:8px 14px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);font-weight:700;font-size:.92rem;margin-bottom:16px}
.hero h1{font-size:clamp(2.1rem,5vw,4rem);line-height:1.08;margin:0 0 14px;max-width:820px}
.hero p{max-width:760px;color:rgba(255,255,255,.88);font-size:1.08rem;margin:0 0 24px}
.actions{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;padding:14px 22px;border-radius:999px;font-weight:800;border:1px solid transparent;box-shadow:var(--shadow)}
.btn-primary{background:#fff;color:var(--primary-dark)}
.btn-secondary{background:transparent;border-color:rgba(255,255,255,.45);color:#fff}
main section{padding:56px 0}
.grid{display:grid;gap:22px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card h3,.card h4{margin-top:0;margin-bottom:10px}
.section-head{max-width:760px;margin-bottom:26px}.section-head h2{font-size:clamp(1.7rem,3vw,2.5rem);margin:0 0 8px}.section-head p{margin:0;color:var(--muted)}
.pill-list{display:flex;flex-wrap:wrap;gap:10px}.pill{padding:10px 14px;background:var(--soft);color:var(--primary-dark);border-radius:999px;font-weight:700;border:1px solid #b8e8f3}
.stats .card{padding:28px;text-align:center}.stats strong{display:block;font-size:2rem}.muted{color:var(--muted)}
.checklist{padding-left:18px}.checklist li{margin:8px 0}
.process{counter-reset:step}.process .card{position:relative;padding-top:58px}.step{position:absolute;top:18px;left:18px;width:30px;height:30px;border-radius:999px;background:var(--accent);display:grid;place-items:center;color:#fff;font-weight:800}
.notice{background:#fff8e8;border:1px solid #f6d99d;border-radius:16px;padding:18px 20px;color:#694b00}
.footer{padding:34px 0 50px;background:#08203e;color:#e7eff5;margin-top:30px}.footer a{color:#bfe8f5}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
.small{font-size:.95rem}.table-like{width:100%;border-collapse:collapse}.table-like tr+tr td{border-top:1px solid var(--border)}.table-like td{padding:14px 0;vertical-align:top}
.cta-band{background:linear-gradient(135deg,#083344 0%,#0e7490 100%);color:#fff;border-radius:26px;padding:28px;border:1px solid rgba(255,255,255,.08);box-shadow:var(--shadow)}
.faq details{background:#fff;border:1px solid var(--border);border-radius:16px;padding:16px 18px}.faq details+details{margin-top:12px}.faq summary{font-weight:700;cursor:pointer}
.contact-list{list-style:none;padding:0;margin:0}.contact-list li+li{margin-top:10px}
.hero-note{margin-top:18px;color:#d9edf6;font-size:.95rem}
@media (max-width:900px){.grid-3,.grid-2,.footer-grid{grid-template-columns:1fr}.nav{align-items:flex-start}.nav-links{justify-content:flex-start}}