:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --surface-soft: #f8fbff;
  --text: #172033;
  --muted: #5f6c80;
  --line: #dfe7f1;
  --brand: #0b67d1;
  --brand-dark: #074d9d;
  --brand-soft: #eaf3ff;
  --green: #18864b;
  --green-soft: #eaf8f0;
  --warning: #9a6500;
  --warning-soft: #fff5dc;
  --shadow: 0 18px 55px rgba(22, 48, 85, .09);
  --radius-xl: 28px;
  --radius-lg: 20px;
  --radius-md: 14px;
  --max: 1120px;
}

* { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  color: var(--text);
  background:
    radial-gradient(circle at 92% 0%, rgba(11,103,209,.11), transparent 31rem),
    var(--bg);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  line-height: 1.7;
}

a {
  color: var(--brand);
  text-decoration: none;
}

a:hover { text-decoration: underline; }

img { max-width: 100%; }

.container {
  width: min(var(--max), calc(100% - 32px));
  margin-inline: auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  border-bottom: 1px solid rgba(223,231,241,.92);
  background: rgba(255,255,255,.93);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
}

.header-inner {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--text);
  font-weight: 820;
  letter-spacing: -.025em;
  white-space: nowrap;
}

.brand:hover { text-decoration: none; }

.brand-mark {
  width: 40px;
  height: 40px;
  border-radius: 13px;
  display: grid;
  place-items: center;
  color: #fff;
  background: linear-gradient(145deg, #1478e8, #074b98);
  box-shadow: 0 9px 22px rgba(11,103,209,.25);
  font-size: 16px;
  letter-spacing: -.04em;
}

.nav {
  display: flex;
  align-items: center;
  gap: 7px;
  flex-wrap: wrap;
}

.nav a {
  padding: 9px 12px;
  border-radius: 10px;
  color: #354157;
  font-size: 14px;
  font-weight: 690;
}

.nav a:hover,
.nav a[aria-current="page"] {
  color: var(--brand-dark);
  background: var(--brand-soft);
  text-decoration: none;
}

.hero {
  margin-top: 48px;
  padding: clamp(30px, 5vw, 58px);
  border-radius: var(--radius-xl);
  color: #fff;
  background:
    radial-gradient(circle at 85% 0%, rgba(110,183,255,.55), transparent 34rem),
    linear-gradient(125deg, #063a78 0%, #0b67d1 60%, #137ce8 100%);
  box-shadow: var(--shadow);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(280px, .8fr);
  gap: clamp(28px, 5vw, 60px);
  align-items: center;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 7px 11px;
  border: 1px solid rgba(255,255,255,.28);
  border-radius: 999px;
  background: rgba(255,255,255,.10);
  font-size: 12px;
  font-weight: 780;
  letter-spacing: .07em;
  text-transform: uppercase;
}

.hero h1 {
  max-width: 800px;
  margin: 16px 0 14px;
  font-size: clamp(38px, 6vw, 65px);
  line-height: 1.02;
  letter-spacing: -.052em;
}

.hero .lead {
  max-width: 800px;
  margin: 0;
  color: rgba(255,255,255,.88);
  font-size: clamp(17px, 2.4vw, 20px);
}

.hero-actions {
  display: flex;
  gap: 11px;
  flex-wrap: wrap;
  margin-top: 25px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 45px;
  padding: 10px 17px;
  border: 1px solid transparent;
  border-radius: 12px;
  font-size: 14px;
  font-weight: 760;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
}

.btn:hover {
  text-decoration: none;
  transform: translateY(-1px);
}

.btn-light {
  color: var(--brand-dark);
  background: #fff;
  box-shadow: 0 8px 24px rgba(0,0,0,.10);
}

.btn-outline-light {
  color: #fff;
  border-color: rgba(255,255,255,.42);
  background: rgba(255,255,255,.08);
}

.btn-primary {
  color: #fff;
  background: var(--brand);
  box-shadow: 0 8px 20px rgba(11,103,209,.20);
}

.hero-card {
  padding: 24px;
  border: 1px solid rgba(255,255,255,.24);
  border-radius: 22px;
  background: rgba(255,255,255,.11);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.16);
}

.hero-card strong {
  display: block;
  margin-bottom: 7px;
  font-size: 20px;
}

.hero-card p {
  margin: 0;
  color: rgba(255,255,255,.82);
  font-size: 14px;
}

.hero-points {
  display: grid;
  gap: 10px;
  margin-top: 18px;
}

.hero-point {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 14px;
}

.hero-point::before {
  content: "✓";
  flex: 0 0 auto;
  width: 23px;
  height: 23px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #06442a;
  background: #b9ffd5;
  font-weight: 900;
  line-height: 1;
}

.main-content {
  padding: 32px 0 70px;
}

.section {
  padding: 30px 0;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 22px;
}

.section-heading h2,
.content-card h2,
.policy-card h2 {
  margin: 0 0 10px;
  font-size: clamp(25px, 4vw, 36px);
  line-height: 1.16;
  letter-spacing: -.035em;
}

.section-heading p {
  margin: 0;
  color: var(--muted);
  font-size: 17px;
}

.grid-2,
.grid-3,
.grid-4 {
  display: grid;
  gap: 18px;
}

.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.card,
.content-card,
.policy-card,
.contact-card {
  border: 1px solid var(--line);
  background: var(--surface);
  box-shadow: 0 11px 35px rgba(24,48,80,.055);
}

.card {
  padding: 23px;
  border-radius: var(--radius-lg);
}

.card h3 {
  margin: 0 0 8px;
  font-size: 19px;
  line-height: 1.3;
}

.card p {
  margin: 0;
  color: var(--muted);
}

.icon {
  width: 43px;
  height: 43px;
  margin-bottom: 17px;
  border-radius: 13px;
  display: grid;
  place-items: center;
  color: var(--brand-dark);
  background: var(--brand-soft);
  font-weight: 900;
  font-size: 19px;
}

.stat {
  padding: 21px;
  border-radius: 18px;
  background: var(--surface-soft);
  border: 1px solid var(--line);
}

.stat b {
  display: block;
  margin-bottom: 4px;
  color: var(--muted);
  font-size: 12px;
  letter-spacing: .04em;
  text-transform: uppercase;
}

.stat span {
  font-size: 17px;
  font-weight: 750;
}

.content-card,
.policy-card {
  padding: clamp(23px, 4vw, 46px);
  border-radius: var(--radius-xl);
}

.content-card + .content-card {
  margin-top: 20px;
}

.content-card p,
.policy-card p {
  margin: 0 0 14px;
}

.content-card ul,
.policy-card ul {
  margin: 10px 0 16px;
  padding-left: 22px;
}

.content-card li,
.policy-card li {
  margin: 7px 0;
}

.split-layout {
  display: grid;
  grid-template-columns: 255px minmax(0, 1fr);
  gap: 25px;
  align-items: start;
}

.toc {
  position: sticky;
  top: 96px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: rgba(255,255,255,.92);
  box-shadow: 0 10px 30px rgba(20,42,74,.05);
}

.toc strong {
  display: block;
  margin-bottom: 9px;
  font-size: 14px;
}

.toc a {
  display: block;
  padding: 6px 0;
  color: var(--muted);
  font-size: 13px;
}

.policy-card section {
  scroll-margin-top: 96px;
  padding-bottom: 25px;
  margin-bottom: 25px;
  border-bottom: 1px solid var(--line);
}

.policy-card section:last-child {
  padding-bottom: 0;
  margin-bottom: 0;
  border-bottom: 0;
}

.policy-card h3 {
  margin: 22px 0 8px;
  font-size: 19px;
}

.notice {
  margin: 18px 0;
  padding: 18px 20px;
  border-left: 4px solid var(--brand);
  border-radius: 0 14px 14px 0;
  background: var(--brand-soft);
}

.notice-green {
  border-left-color: var(--green);
  background: var(--green-soft);
}

.notice-warning {
  border-left-color: var(--warning);
  background: var(--warning-soft);
}

.table-wrap {
  overflow-x: auto;
  margin: 20px 0 8px;
  border: 1px solid var(--line);
  border-radius: 15px;
}

table {
  width: 100%;
  min-width: 680px;
  border-collapse: collapse;
  font-size: 14px;
}

th,
td {
  padding: 13px 14px;
  text-align: left;
  vertical-align: top;
  border-bottom: 1px solid var(--line);
}

th {
  color: #334057;
  background: #f2f7fc;
}

tr:last-child td { border-bottom: 0; }

.contact-card {
  padding: 24px;
  border-radius: var(--radius-lg);
}

.contact-card b {
  display: block;
  margin-bottom: 5px;
  color: var(--muted);
  font-size: 13px;
}

.faq details {
  padding: 17px 0;
  border-bottom: 1px solid var(--line);
}

.faq details:first-child { padding-top: 0; }
.faq details:last-child { border-bottom: 0; }

.faq summary {
  cursor: pointer;
  font-weight: 750;
  color: #28364e;
}

.faq p {
  margin: 9px 0 0;
  color: var(--muted);
}

.subhero {
  margin-top: 36px;
  padding: clamp(27px, 4vw, 43px);
  border-radius: var(--radius-xl);
  border: 1px solid var(--line);
  background:
    radial-gradient(circle at 100% 0%, rgba(11,103,209,.10), transparent 27rem),
    var(--surface);
  box-shadow: var(--shadow);
}

.subhero .eyebrow {
  color: var(--brand-dark);
  border-color: #c9ddf5;
  background: var(--brand-soft);
}

.subhero h1 {
  max-width: 820px;
  margin: 13px 0 10px;
  font-size: clamp(34px, 5vw, 53px);
  line-height: 1.05;
  letter-spacing: -.045em;
}

.subhero p {
  max-width: 820px;
  margin: 0;
  color: var(--muted);
  font-size: 18px;
}

.meta {
  margin-top: 18px;
  color: var(--muted);
  font-size: 13px;
}

.cta {
  padding: 30px;
  border-radius: var(--radius-xl);
  color: #fff;
  background: linear-gradient(125deg, #084e9e, #0b67d1);
  box-shadow: var(--shadow);
}

.cta h2 {
  margin: 0 0 8px;
  font-size: 29px;
  letter-spacing: -.03em;
}

.cta p {
  max-width: 700px;
  margin: 0;
  color: rgba(255,255,255,.84);
}

.cta .hero-actions { margin-top: 18px; }

.footer {
  margin-top: 35px;
  border-top: 1px solid var(--line);
  background: rgba(255,255,255,.78);
}

.footer-inner {
  padding: 30px 0 38px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 25px;
  align-items: start;
}

.footer-title {
  font-weight: 820;
}

.footer-copy {
  max-width: 620px;
  margin-top: 6px;
  color: var(--muted);
  font-size: 13px;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 12px;
  font-size: 13px;
  font-weight: 680;
}

.copyright {
  padding: 13px 0 20px;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 12px;
}

.muted { color: var(--muted); }

@media (max-width: 900px) {
  .hero-grid,
  .split-layout {
    grid-template-columns: 1fr;
  }

  .toc { position: static; }

  .grid-3,
  .grid-4 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .hero-card { max-width: 590px; }
}

@media (max-width: 720px) {
  .site-header { position: static; }

  .header-inner {
    min-height: auto;
    padding: 15px 0;
    align-items: flex-start;
    flex-direction: column;
  }

  .nav {
    width: 100%;
    gap: 4px;
  }

  .nav a {
    padding: 8px 9px;
    font-size: 13px;
  }

  .hero,
  .subhero {
    margin-top: 22px;
  }

  .grid-2,
  .grid-3,
  .grid-4 {
    grid-template-columns: 1fr;
  }

  .footer-inner {
    grid-template-columns: 1fr;
  }

  .footer-links {
    justify-content: flex-start;
  }
}

@media (max-width: 450px) {
  .container {
    width: min(var(--max), calc(100% - 22px));
  }

  .hero,
  .subhero,
  .content-card,
  .policy-card {
    border-radius: 21px;
  }

  .hero h1 { font-size: 39px; }

  .hero-actions .btn {
    width: 100%;
  }
}