:root{
  --bg:#ffffff;
  --text:#0b1220;
  --muted:#495266;
  --line:#e6e9ef;
  --card:#f7f8fb;
  --accent:#0c6cf2;
  --accent2:#0aa36a;
  --shadow:0 10px 30px rgba(15,23,42,.08);
  --radius:18px;
  --max:1120px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.55;
}

a{color:inherit}
.container{max-width:var(--max); margin:0 auto; padding:0 18px}

.skip-link{
  position:absolute; left:-999px; top:auto; width:1px; height:1px; overflow:hidden;
}
.skip-link:focus{left:18px; top:18px; width:auto; height:auto; background:#fff; padding:10px 12px; border:1px solid var(--line); border-radius:12px; z-index:9999}

.site-header{
  position:sticky; top:0; z-index:20;
  background:rgba(255,255,255,.92);
  backdrop-filter: blur(10px);
  border-bottom:1px solid var(--line);
}
.header__inner{display:flex; align-items:center; gap:18px; padding:14px 0}
.brand{display:flex; align-items:center; gap:10px; text-decoration:none}
.brand__mark{
  width:34px;height:34px;border-radius:12px;
  display:grid;place-items:center;
  background:linear-gradient(135deg,var(--accent),#7c3aed);
  color:#fff;font-weight:800;
}
.brand__name{display:block;font-weight:800;letter-spacing:.2px}
.brand__tag{display:block;font-size:12px;color:var(--muted)}
.nav{display:flex; gap:12px; margin-left:auto}
.nav__link{
  text-decoration:none;
  padding:8px 10px;
  border-radius:12px;
  color:var(--muted);
  font-weight:600;
  font-size:14px;
}
.nav__link:hover{background:var(--card); color:var(--text)}
.nav__link.is-active{background:var(--card); color:var(--text)}

.header__cta{display:flex; gap:10px; align-items:center}
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  padding:10px 14px; border-radius:14px;
  background:var(--accent); color:#fff; text-decoration:none;
  font-weight:800; border:1px solid transparent;
  box-shadow:0 8px 18px rgba(12,108,242,.18);
}
.btn:hover{filter:brightness(.98)}
.btn--ghost{background:#fff;color:var(--text);border-color:var(--line);box-shadow:none}
.btn--block{width:100%}
.btn--small{padding:8px 12px; font-size:14px; border-radius:12px}

.hero{
  padding:44px 0 18px;
}
.hero__grid{
  display:grid; gap:18px;
  grid-template-columns: 1.15fr .85fr;
  align-items:start;
}
.badge{
  display:inline-flex; align-items:center; gap:8px;
  padding:8px 12px;
  background:var(--card);
  border:1px solid var(--line);
  border-radius:999px;
  color:var(--muted);
  font-weight:700;
  font-size:13px;
}
.h1{font-size:44px; line-height:1.08; margin:12px 0}
.lead{font-size:18px; color:var(--muted); margin:0 0 14px}
.points{display:flex; flex-wrap:wrap; gap:10px; margin:14px 0 18px; padding:0; list-style:none}
.points li{
  background:var(--card); border:1px solid var(--line);
  border-radius:999px; padding:8px 12px; font-weight:700; color:var(--muted); font-size:13px;
}
.hero__cta{display:flex; gap:10px; flex-wrap:wrap; margin:10px 0}
.section{padding:26px 0}
.grid{
  display:grid; gap:16px;
}
.grid--3{grid-template-columns: repeat(3, 1fr)}
.grid--2{grid-template-columns: repeat(2, 1fr)}
.card{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}
.card__inner{padding:18px}
.h2{font-size:24px; margin:0 0 10px}
.h3{font-size:18px; margin:0 0 8px}
.muted{color:var(--muted)}
.small{font-size:12px}
.kicker{font-weight:900; letter-spacing:.12em; color:var(--accent2); font-size:12px; text-transform:uppercase}

.form{display:grid; gap:12px; margin-top:10px}
.field span{display:block; font-weight:800; font-size:13px; margin-bottom:6px}
input, select, textarea{
  width:100%;
  padding:12px 12px;
  border-radius:14px;
  border:1px solid var(--line);
  background:#fff;
  font:inherit;
}
input:focus, select:focus, textarea:focus{
  outline:3px solid rgba(12,108,242,.18);
  border-color:rgba(12,108,242,.55);
}
.check{display:flex; gap:10px; align-items:flex-start; font-size:13px; color:var(--muted)}
.check input{width:18px; height:18px; margin-top:2px}
.disclosure{color:var(--muted)}
.hp{position:absolute; left:-9999px}

.list{margin:0; padding-left:18px}
.list li{margin:6px 0}

.site-footer{
  margin-top:32px;
  border-top:1px solid var(--line);
  padding:22px 0;
  background:#fff;
}
.footer__grid{
  display:grid;
  grid-template-columns: 1.2fr .8fr .8fr;
  gap:18px;
}
.footer__brand{font-weight:900; margin-bottom:8px}
.footer__title{font-weight:900; margin-bottom:8px}
.footer__links{margin:0; padding-left:18px; color:var(--muted)}
.footer__links li{margin:6px 0}
.footer__disclosure{margin-top:18px}
.pill{
  display:inline-flex; align-items:center; gap:8px;
  padding:10px 12px;
  border-radius:999px;
  border:1px solid var(--line);
  background:#fff;
  font-weight:800;
}
.pill svg{width:18px;height:18px}
.table{
  width:100%;
  border-collapse:separate;
  border-spacing:0;
  overflow:hidden;
  border-radius:16px;
  border:1px solid var(--line);
  background:#fff;
}
.table th, .table td{
  padding:12px;
  border-bottom:1px solid var(--line);
  text-align:left;
}
.table th{font-size:13px; color:var(--muted)}
.table tr:last-child td{border-bottom:none}
.tag{
  display:inline-flex; align-items:center;
  padding:6px 10px;
  border-radius:999px;
  background:#fff;
  border:1px solid var(--line);
  font-weight:800;
  color:var(--muted);
  font-size:12px;
}
.notice{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:14px 14px;
}

.breadcrumbs{font-size:13px;color:var(--muted); margin:14px 0}
.breadcrumbs a{color:var(--muted); text-decoration:none}
.breadcrumbs a:hover{text-decoration:underline}

.sticky-call{
  position:fixed; left:0; right:0; bottom:0;
  display:none;
  gap:10px;
  padding:12px;
  background:rgba(255,255,255,.92);
  border-top:1px solid var(--line);
  backdrop-filter: blur(10px);
  z-index:50;
}
.sticky-call__btn{
  flex:1;
  display:inline-flex; align-items:center; justify-content:center;
  padding:12px 14px;
  border-radius:16px;
  background:var(--accent);
  color:#fff;
  text-decoration:none;
  font-weight:900;
}
.sticky-call__btn--alt{background:var(--accent2)}
.sticky-call__btn--ghost{background:#fff;color:var(--text);border:1px solid var(--line)}
@media (max-width: 980px){
  .nav{display:none}
  .hero__grid{grid-template-columns: 1fr}
  .h1{font-size:36px}
}
@media (max-width: 720px){
  .grid--3{grid-template-columns: 1fr}
  .grid--2{grid-template-columns: 1fr}
  .footer__grid{grid-template-columns: 1fr}
  .sticky-call{display:flex}
}