:root{--blue:#1534c8;--navy:#0d1b3d;--ink:#1f2937;--muted:#5b6475;--line:#e3e7ef;--bg:#f6f8fc;--ok:#0f7b4f;--warn-bg:#fff4d6;--warn:#7a4b00;--r:12px;--max:1120px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}a:hover{color:var(--navy)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
header.site{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.brand img{width:180px}
.brand span{font-weight:600;font-size:.95rem;color:var(--muted);border-left:1px solid var(--line);padding-left:12px}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:2px;flex-wrap:nowrap;white-space:nowrap;align-items:center}
nav.main a{display:block;padding:8px 10px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}
nav.main a:hover,nav.main a[aria-current]{background:var(--bg);color:var(--blue)}
nav.main a.cta{background:var(--blue);color:#fff}nav.main a.cta:hover{background:var(--navy);color:#fff}
details.menu{display:none}
@media (max-width:1240px){.brand span{display:none}}
@media (max-width:1020px){nav.main{display:none}details.menu{display:block;position:relative}
details.menu summary{list-style:none;cursor:pointer;padding:8px 14px;border:1px solid var(--line);border-radius:8px;font-weight:600}
details.menu summary::-webkit-details-marker{display:none}
details.menu ul{position:absolute;right:0;top:46px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:0 10px 30px rgba(13,27,61,.12);list-style:none;margin:0;padding:8px;min-width:240px}
details.menu a{display:block;padding:10px 12px;text-decoration:none;color:var(--ink);border-radius:8px}details.menu a:hover{background:var(--bg)}
.brand span{display:none}.brand img{width:150px}}
.hero{background:linear-gradient(135deg,#0d1b3d 0%,#1534c8 100%);color:#fff;padding:64px 0 56px}
.hero .wrap{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center}
.hero h1{color:#fff;font-size:clamp(1.9rem,4vw,2.8rem);line-height:1.15;margin:0 0 16px}
.hero p.lead{font-size:1.15rem;opacity:.92;margin:0 0 24px}
.hero .imgbox{background:#fff;border-radius:var(--r);padding:16px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.hero .badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px;padding:0;list-style:none}
.hero .badges li{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);padding:6px 12px;border-radius:999px;font-size:.9rem}
@media (max-width:820px){.hero .wrap{grid-template-columns:1fr}.hero{padding:40px 0}}
.btn{display:inline-block;padding:12px 22px;border-radius:10px;font-weight:600;text-decoration:none;border:2px solid transparent;margin:4px 8px 4px 0}
.btn.primary{background:#fff;color:var(--navy)}.btn.primary:hover{background:#e8edff}
.btn.ghost{border-color:rgba(255,255,255,.7);color:#fff}.btn.ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn.blue{background:var(--blue);color:#fff}.btn.blue:hover{background:var(--navy);color:#fff}
.btn.outline{border-color:var(--blue);color:var(--blue)}
section{padding:56px 0}section.alt{background:var(--bg)}
h1,h2,h3{color:var(--navy);line-height:1.25}h2{font-size:clamp(1.5rem,3vw,2rem);margin:0 0 12px}h3{font-size:1.15rem;margin:0 0 8px}
.page-head{background:var(--bg);border-bottom:1px solid var(--line);padding:40px 0 28px}.page-head h1{margin:0 0 8px;font-size:clamp(1.7rem,3.5vw,2.4rem)}.page-head p{margin:0;color:var(--muted);max-width:760px}
.crumbs{font-size:.88rem;color:var(--muted);margin-bottom:10px}.crumbs a{color:var(--muted)}
.grid{display:grid;gap:20px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}
@media (max-width:820px){.g3,.g2{grid-template-columns:1fr}}
.card{border:1px solid var(--line);border-radius:var(--r);padding:24px;background:#fff}
.card .ic{width:40px;height:40px;border-radius:10px;background:#e8edff;color:var(--blue);display:grid;place-items:center;font-weight:700;margin-bottom:12px}
ul.check{list-style:none;padding:0;margin:0}ul.check li{padding-left:28px;position:relative;margin:6px 0}
ul.check li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:700}
table{width:100%;border-collapse:collapse;background:#fff;font-size:.97rem}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-weight:600}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r)}
.price{font-size:1.4rem;font-weight:700;color:var(--navy);white-space:nowrap}
.note{font-size:.9rem;color:var(--muted)}
.todo{background:var(--warn-bg);color:var(--warn);border:1px dashed #d9a400;padding:1px 6px;border-radius:6px;font-weight:600;font-size:.9em}
.draft{background:#fff1f1;border:2px solid #c62828;color:#8e1b1b;border-radius:var(--r);padding:16px 20px;margin:0 0 28px;font-weight:600}
.prose{max-width:820px}.prose h2{margin-top:36px;font-size:1.4rem}.prose h3{margin-top:24px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}@media (max-width:820px){.split{grid-template-columns:1fr}}
.cta-band{background:var(--navy);color:#fff;border-radius:var(--r);padding:32px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 4px}.cta-band p{margin:0;opacity:.85}
form.f{display:grid;gap:16px}.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}@media (max-width:640px){.row2{grid-template-columns:1fr}}
label{font-weight:600;font-size:.95rem;display:block;margin-bottom:6px}label .opt{font-weight:400;color:var(--muted)}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid #c9d0dd;border-radius:8px;font:inherit;background:#fff}
input:focus,select:focus,textarea:focus{outline:3px solid #c7d2fe;border-color:var(--blue)}
fieldset{border:1px solid var(--line);border-radius:var(--r);padding:16px 18px}legend{font-weight:700;color:var(--navy);padding:0 6px}
.radio{display:flex;gap:20px;flex-wrap:wrap}.radio label{font-weight:500;display:flex;gap:8px;align-items:center}.radio input{width:auto}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
button.btn{cursor:pointer;font:inherit;font-weight:600}
details.faq{border:1px solid var(--line);border-radius:var(--r);padding:0 18px;margin:10px 0;background:#fff}
details.faq summary{cursor:pointer;padding:16px 0;font-weight:600;color:var(--navy)}details.faq[open] summary{border-bottom:1px solid var(--line)}
details.faq div{padding:12px 0 16px}
.src{font-size:.85rem;color:var(--muted)}.src ol{padding-left:20px}.src li{margin:4px 0;word-break:break-word}
sup a{text-decoration:none}
footer.site{background:var(--navy);color:#cfd6e6;padding:44px 0 28px;margin-top:40px;font-size:.95rem}
footer.site a{color:#fff}footer.site h3{color:#fff;font-size:1rem}
footer.site .grid{grid-template-columns:1.4fr 1fr 1fr}@media (max-width:820px){footer.site .grid{grid-template-columns:1fr}}
footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin:4px 0}
footer.site .legal{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:16px;font-size:.85rem;opacity:.8}
.err404{text-align:center;padding:80px 0}.err404 .code{font-size:5rem;font-weight:800;color:var(--blue);line-height:1}