:root{
  --navy:#0f2742;--blue:#1b64d8;--sky:#edf5ff;--ink:#102030;--muted:#607086;
  --line:#dfe8f2;--card:#fff;--soft:#f7fafc;--green:#1f8a70;--amber:#b77800;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:var(--blue);text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1140px,92%);margin:auto}
.topbar{background:#071a2f;color:#dbe9ff;font-size:14px;padding:8px 0}
.topbar .container{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
.nav{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);z-index:50}
.nav-inner{height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:12px;color:var(--navy);font-weight:800;font-size:20px}
.logo-mark{width:42px;height:42px;border-radius:14px;background:linear-gradient(135deg,var(--blue),#23a6d5);display:grid;place-items:center;color:white;font-weight:900;box-shadow:0 10px 24px rgba(27,100,216,.25)}
.menu{display:flex;align-items:center;gap:24px;font-size:15px;font-weight:650}
.menu a{color:#23364d}
.menu a:hover{color:var(--blue)}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:13px 22px;font-weight:750;border:1px solid transparent;cursor:pointer}
.btn-primary{background:var(--blue);color:white;box-shadow:0 12px 24px rgba(27,100,216,.22)}
.btn-outline{border-color:#b9c9dc;color:var(--navy);background:white}
.hero{position:relative;overflow:hidden;background:linear-gradient(120deg,#071a2f 0%,#123b65 55%,#eef6ff 55%,#ffffff 100%);padding:86px 0 70px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.kicker{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);color:#e7f2ff;border-radius:999px;padding:8px 14px;font-size:13px;font-weight:750;letter-spacing:.02em;margin-bottom:18px}
.hero h1{color:#fff;font-size:54px;line-height:1.08;margin:0 0 18px;letter-spacing:-.04em}
.hero p{color:#d8e9ff;font-size:19px;margin:0 0 28px;max-width:650px}
.hero-card{background:white;border-radius:32px;padding:22px;box-shadow:0 28px 80px rgba(8,30,55,.22);border:1px solid #e7eef8}
.hero-card .note{background:#f4f8fd;border:1px solid var(--line);border-radius:22px;padding:18px;margin-top:16px;color:#42546b;font-size:14px}
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:30px}
.trust div{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:14px;color:#fff}
.trust strong{display:block;font-size:18px}
.section{padding:82px 0}
.section-soft{background:var(--soft)}
.section-head{max-width:780px;margin:0 auto 42px;text-align:center}
.section-head h2{font-size:40px;line-height:1.15;letter-spacing:-.035em;margin:0 0 12px;color:var(--navy)}
.section-head p{font-size:18px;color:var(--muted);margin:0}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:34px;align-items:center}
.card{background:var(--card);border:1px solid var(--line);border-radius:28px;padding:28px;box-shadow:0 18px 45px rgba(24,49,83,.07)}
.card h3{font-size:22px;margin:0 0 10px;color:var(--navy)}
.card p{margin:0;color:#516177}
.icon{width:54px;height:54px;border-radius:18px;background:var(--sky);display:grid;place-items:center;margin-bottom:18px;font-size:24px}
.badge{display:inline-block;background:#eaf4ff;color:#174b89;border-radius:999px;padding:7px 12px;font-size:13px;font-weight:750;margin:4px 6px 4px 0}
.process{counter-reset:item}
.step{position:relative;padding-left:70px;margin-bottom:28px}
.step:before{counter-increment:item;content:counter(item);position:absolute;left:0;top:0;width:48px;height:48px;border-radius:16px;background:var(--blue);color:white;display:grid;place-items:center;font-weight:900}
.notice{border-left:5px solid var(--green);background:#f1fbf8;border-radius:18px;padding:22px;color:#284b43}
.warning{border-left:5px solid var(--amber);background:#fff8ec;border-radius:18px;padding:22px;color:#5f4411}
.form-wrap{background:#fff;border:1px solid var(--line);border-radius:30px;padding:30px;box-shadow:0 22px 50px rgba(20,45,75,.08)}
label{display:block;font-weight:750;margin:14px 0 8px;color:#23364d}
input,textarea,select{width:100%;border:1px solid #c9d6e5;border-radius:14px;padding:14px 15px;font:inherit;background:#fff}
textarea{min-height:130px;resize:vertical}
.small{font-size:13px;color:#6a788a}
.footer{background:#071a2f;color:#d6e6fb;padding:54px 0 20px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
.footer h4{color:#fff;margin:0 0 12px}
.footer a{color:#d6e6fb;display:block;margin:6px 0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:34px;padding-top:18px;font-size:13px;color:#a8bbd2}
.page-hero{background:linear-gradient(120deg,#071a2f,#174b89);color:#fff;padding:76px 0}
.page-hero h1{font-size:46px;line-height:1.1;margin:0 0 12px}
.content{max-width:920px;margin:auto}
.content h2{color:var(--navy);font-size:28px;margin-top:36px}
.content p,.content li{color:#4c5e73}
.table{width:100%;border-collapse:collapse;background:white;border:1px solid var(--line);border-radius:16px;overflow:hidden}
.table th,.table td{border-bottom:1px solid var(--line);padding:14px;text-align:left}
.table th{background:#f4f8fd;color:var(--navy)}
.mobile-toggle{display:none}
@media(max-width:860px){
 .hero-grid,.grid-3,.grid-2,.footer-grid{grid-template-columns:1fr}
 .hero{background:linear-gradient(160deg,#071a2f 0%,#123b65 70%,#f7fbff 70%);padding-top:50px}
 .hero h1{font-size:40px}
 .trust{grid-template-columns:1fr}
 .menu{display:none}
 .mobile-toggle{display:block}
 .nav-inner{height:68px}
 .section{padding:56px 0}
 .section-head h2{font-size:32px}
}