:root {
  --primary: #254290;
  --black: #111111;
  --dark: #1C1C1C;
  --mid: #2B2B2B;
  --light: #F5F5F5;
  --white: #ffffff;
  --text: #222222;
  --muted: #666666;
  --border: rgba(17,17,17,0.1);
  --shadow: 0 18px 45px rgba(17,17,17,0.10);
  --radius: 18px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--light);
  line-height: 1.7;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
header, .site-header {
  background: linear-gradient(135deg, var(--primary), #111111);
  color: var(--white);
  position: sticky;
  top: 0;
  z-index: 20;
  box-shadow: 0 8px 25px rgba(0,0,0,0.12);
}
.container {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 74px;
  gap: 16px;
}
.logo img {
  width: 126px;
  height: auto;
}
nav, .desktop-nav {
  display: none;
  align-items: center;
  gap: 10px;
}
nav a, .desktop-nav a, .mobile-nav a {
  padding: 10px 12px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 14px;
}
nav a:hover, .desktop-nav a:hover, .mobile-nav a:hover {
  background: rgba(255,255,255,0.13);
}
.mobile-nav {
  display: grid;
  grid-template-columns: repeat(4, auto);
  gap: 2px;
  overflow-x: auto;
}
.hero, .banner {
  background: linear-gradient(135deg, #ffffff 0%, #eef5ff 48%, rgba(37,66,144,0.14) 100%);
  padding: 42px 0 28px;
}
.hero-grid {
  display: grid;
  gap: 28px;
  align-items: center;
}
.kicker, .tag {
  display: inline-flex;
  align-items: center;
  width: fit-content;
  padding: 7px 12px;
  background: rgba(37,66,144,0.12);
  color: var(--primary);
  border: 1px solid rgba(37,66,144,0.25);
  border-radius: 999px;
  font-weight: 800;
  font-size: 13px;
}
h1, h2, h3 {
  color: var(--black);
  line-height: 1.18;
  margin: 0 0 14px;
}
h1 {
  font-size: clamp(32px, 9vw, 56px);
  letter-spacing: -1.5px;
}
h2 { font-size: clamp(24px, 5vw, 36px); }
h3 { font-size: 20px; }
p { margin: 0 0 14px; }
.lead {
  font-size: 18px;
  color: #3d3d3d;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 12px 20px;
  background: var(--primary);
  color: var(--white);
  border-radius: 999px;
  font-weight: 800;
  box-shadow: 0 12px 28px rgba(37,66,144,0.25);
  transition: transform .2s ease, box-shadow .2s ease;
}
.btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 35px rgba(37,66,144,0.32);
}
.tag-list {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 22px 0;
}
.hero-card {
  background: var(--white);
  padding: 18px;
  border-radius: 28px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.hero-card img {
  border-radius: 22px;
  width: 100%;
}
section {
  padding: 42px 0;
}
.section-title {
  max-width: 760px;
  margin-bottom: 22px;
}
.grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
}
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: 0 10px 28px rgba(17,17,17,0.06);
}
.card h3 {
  display: flex;
  align-items: center;
  gap: 10px;
}
.card h3::before {
  content: "";
  width: 10px;
  height: 10px;
  border-radius: 99px;
  background: var(--primary);
  flex: 0 0 auto;
}
.notice {
  background: #ffffff;
  border-left: 6px solid var(--primary);
  border-radius: var(--radius);
  padding: 20px;
  box-shadow: 0 12px 30px rgba(17,17,17,0.07);
}
.notice strong { color: var(--primary); }
.faq {
  display: grid;
  gap: 14px;
}
.faq details {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 18px 20px;
  box-shadow: 0 8px 24px rgba(17,17,17,0.05);
}
.faq summary {
  cursor: pointer;
  font-weight: 800;
  color: var(--black);
}
.inline-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 18px;
}
.inline-links a {
  color: var(--primary);
  font-weight: 800;
}
.steps {
  counter-reset: step;
  display: grid;
  gap: 16px;
}
.step {
  position: relative;
  padding-left: 62px;
}
.step::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  left: 0;
  top: 18px;
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--primary);
  color: var(--white);
  font-weight: 900;
}
.footer {
  background: linear-gradient(135deg, var(--primary), #111111);
  color: rgba(255,255,255,0.9);
  padding: 42px 0 24px;
}
.footer h3 { color: var(--white); }
.footer a {
  display: block;
  color: rgba(255,255,255,0.92);
  margin: 6px 0;
}
.footer-logo {
  width: 126px;
  margin-bottom: 12px;
}
.footer-grid {
  display: grid;
  gap: 22px;
}
.footer-bottom {
  display: flex;
  flex-direction: column;
  gap: 8px;
  border-top: 1px solid rgba(255,255,255,0.18);
  margin-top: 26px;
  padding-top: 18px;
  font-size: 14px;
}
@media (min-width: 768px) {
  .desktop-nav { display: flex; }
  .mobile-nav { display: none; }
  .hero, .banner { padding: 70px 0 54px; }
  .hero-grid { grid-template-columns: 1.12fr .88fr; }
  .grid.two { grid-template-columns: repeat(2, 1fr); }
  .grid.three { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1.3fr .7fr 1fr; }
  .footer-bottom { flex-direction: row; justify-content: space-between; }
}
@media (min-width: 1024px) {
  section { padding: 58px 0; }
  .card { padding: 28px; }
  .hero-card { padding: 24px; }
}