:root{
  --bg:#f7f8fb;
  --paper:#ffffff;
  --ink:#0b1220;
  --muted:#55627a;
  --border:rgba(11,18,32,.10);
  --navy:#0f2a5f;
  --gold:#c9a227;
  --shadow:0 18px 45px rgba(11,18,32,.10);
  --radius:16px;
  --max:1180px;
}
*{box-sizing:border-box}
html,body{height:100%}
body{
  margin:0;
  font-family: ui-serif, Georgia, Cambria, "Times New Roman", Times, serif;
  color:var(--ink);
  background:
    radial-gradient(1100px 600px at 20% -10%, rgba(15,42,95,.08), transparent 55%),
    radial-gradient(1000px 520px at 90% 0%, rgba(201,162,39,.10), transparent 55%),
    var(--bg);
  line-height:1.75;
}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
.container{width:min(var(--max),92vw);margin:0 auto}
.small{font-size:.95rem;color:var(--muted)}
.muted{color:var(--muted)}
.kicker{
  font-family: ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
  letter-spacing:.22em;
  text-transform:uppercase;
  font-size:.78rem;
  color:var(--muted);
}
header{
  position:sticky;top:0;z-index:50;
  background: rgba(247,248,251,.86);
  backdrop-filter: blur(12px);
  border-bottom:1px solid var(--border);
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:14px}
.brand{display:flex;align-items:center;gap:10px}
.mark{
  width:34px;height:34px;border-radius:12px;
  background:
    linear-gradient(135deg, var(--navy), rgba(15,42,95,.55)),
    radial-gradient(circle at 30% 30%, rgba(201,162,39,.95), transparent 60%);
  box-shadow: 0 12px 26px rgba(15,42,95,.18);
}
.brand strong{
  font-family: ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
  letter-spacing:.2px;
}
.navlinks{
  display:flex;gap:10px;flex-wrap:wrap;align-items:center;
  font-family: ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
  font-weight:700;
}
.navlinks a{padding:8px 10px;border-radius:12px;color:var(--ink)}
.navlinks a.active, .navlinks a:hover{background: rgba(15,42,95,.08);text-decoration:none}
.card{
  background: var(--paper);
  border:1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.hero{padding:54px 0 22px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:18px;align-items:stretch}
@media (max-width: 980px){.hero-grid{grid-template-columns:1fr}}
.hero-card{padding:28px}
.hero h1{
  margin:10px 0 12px;
  font-size: clamp(2.05rem, 4.2vw, 3.25rem);
  line-height:1.08;
  color: var(--navy);
}
.hero p{margin:0 0 12px;color:var(--muted)}
.hr{height:1px;background:var(--border);border:0;margin:18px 0}
.btnrow{display:flex;gap:12px;flex-wrap:wrap;margin-top:16px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:12px 14px;border-radius:14px;
  border:1px solid rgba(15,42,95,.18);
  background: rgba(15,42,95,.05);
  color: var(--navy);
  font-family: ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
  font-weight:800;
}
.btn:hover{background: rgba(15,42,95,.08);text-decoration:none}
.btn.primary{
  background: linear-gradient(135deg, var(--navy), rgba(15,42,95,.75));
  color:#fff;
  border-color: rgba(15,42,95,.35);
}
.btn.primary:hover{filter:brightness(1.03)}
.badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
.badge{
  font-family: ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
  font-size:.85rem;
  padding:8px 12px;border-radius:999px;
  border:1px solid var(--border);
  background: rgba(11,18,32,.03);
  color: var(--ink);
}
.aside{padding:22px;display:flex;flex-direction:column;gap:12px}
.aside h3{
  margin:0;
  font-family: ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
  color: var(--navy);
}
.aside ul{margin:0;padding-left:18px;color:var(--muted)}
.aside li{margin:7px 0}
.notice{
  padding:14px 16px;border-radius:14px;
  border:1px solid rgba(201,162,39,.35);
  background: rgba(201,162,39,.10);
  color: var(--ink);
}
.section{padding:18px 0 62px}
.section h2{margin:0 0 14px;font-size:clamp(1.4rem,2.0vw,1.85rem);color:var(--navy)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width:980px){.grid3{grid-template-columns:1fr}}
.feature{padding:18px}
.feature h4{
  margin:0 0 8px;
  font-family: ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
  color: var(--navy);
}
.feature p{margin:0;color:var(--muted)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:980px){.split{grid-template-columns:1fr}}
.block{padding:22px}
.block h3{
  margin:0 0 10px;
  color: var(--navy);
  font-family: ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
}
.block p, .block li{color:var(--muted)}
.block ul{padding-left:18px}
.quote{
  padding:18px;border-radius:14px;
  background: rgba(15,42,95,.04);
  border:1px solid rgba(15,42,95,.12);
}
.quote p{margin:0}
.quote .small{display:block;margin-top:8px}
.faq details{
  background: rgba(11,18,32,.03);
  border:1px solid var(--border);
  border-radius:14px;
  padding:14px 16px;
  margin:10px 0;
}
.faq summary{
  cursor:pointer;
  font-family: ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
  font-weight:900;
  color: var(--navy);
}
.faq p{margin:10px 0 0;color:var(--muted)}
footer{border-top:1px solid var(--border);background: rgba(255,255,255,.55)}
.footer{
  padding:26px 0;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;
  color: var(--muted);
  font-family: ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
}
.footer strong{color: var(--ink)}
.footer .cols{display:flex;gap:22px;flex-wrap:wrap}
.footer .col{min-width:240px}
.footer ul{list-style:none;padding:0;margin:10px 0 0}
.footer li{margin:7px 0}
.footer a{color: var(--muted)}
.footer a:hover{color: var(--navy);text-decoration:none}
.page{padding:30px 0 68px}
.page h1{margin:8px 0 12px;font-size:clamp(2rem,3.2vw,2.85rem);line-height:1.15;color:var(--navy)}
.page h2{margin-top:26px;margin-bottom:10px;color:var(--navy)}
.content{padding:26px}
.table{width:100%;border-collapse:collapse;margin-top:10px;border-radius:14px;overflow:hidden;border:1px solid var(--border)}
.table th,.table td{padding:12px 12px;vertical-align:top;border-bottom:1px solid var(--border);text-align:left}
.table th{background: rgba(15,42,95,.05);color: var(--ink)}
.table td{color: var(--muted)}
.table tr:last-child td{border-bottom:0}
#cookie-banner{position:fixed;left:18px;right:18px;bottom:18px;max-width:980px;margin:0 auto;z-index:60;display:none}
.cookie-inner{display:flex;gap:14px;align-items:flex-start;justify-content:space-between;padding:16px}
.cookie-actions{display:flex;gap:10px;flex-wrap:wrap}
.chip{
  font-size:.82rem;padding:8px 10px;border-radius:999px;
  border:1px solid var(--border);
  background: rgba(11,18,32,.03);
  cursor:pointer;
  font-family: ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial;
  font-weight:800;
}
.chip.primary{
  background: linear-gradient(135deg, var(--gold), rgba(201,162,39,.75));
  border-color: rgba(201,162,39,.45);
  color: #1a1400;
}
.chip:hover{filter:brightness(1.03)}