:root {
    --primary: #1989fa;
    --black: #111111;
    --dark: #1C1C1C;
    --mid: #2B2B2B;
    --light: #F5F5F5;
    --white: #ffffff;
    --shadow: 0 18px 45px rgba(17,17,17,.10);
    --radius: 18px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    margin: 0;
    font-family: Arial, Helvetica, sans-serif;
    background: #ffffff;
    color: var(--dark);
    line-height: 1.7;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; display: block; }
header, .site-header {
    background: linear-gradient(135deg, var(--primary), #0b4f96);
    color: var(--white);
    position: sticky;
    top: 0;
    z-index: 50;
    box-shadow: 0 8px 28px rgba(0,0,0,.14);
}
.header-inner {
    display: none;
    max-width: 1180px;
    margin: 0 auto;
    padding: 14px 22px;
    align-items: center;
    gap: 24px;
}
.logo img {
    width: 128px;
    max-height: 54px;
    object-fit: contain;
}
.main-nav, nav {
    display: flex;
    align-items: center;
    gap: 8px;
}
.main-nav {
    justify-content: center;
    flex: 1;
}
.main-nav a, .mobile-nav a, .footer-nav a {
    font-weight: 700;
    padding: 10px 14px;
    border-radius: 999px;
}
.main-nav a:hover, .mobile-nav a:hover {
    background: rgba(255,255,255,.16);
}
.header-actions, .mobile-actions {
    display: flex;
    align-items: center;
    gap: 10px;
}
.mobile-top {
    min-height: 70px;
    display: grid;
    grid-template-columns: 48px 1fr 48px;
    align-items: center;
    padding: 10px 16px 4px;
}
.mobile-logo {
    justify-self: center;
}
.mobile-menu-toggle {
    width: 42px;
    height: 42px;
    border: 0;
    border-radius: 12px;
    background: rgba(255,255,255,.18);
    color: #fff;
    font-size: 25px;
    cursor: pointer;
    line-height: 1;
}
.mobile-nav {
    display: none;
    padding: 8px 16px 16px;
    gap: 8px;
    background: rgba(0,0,0,.12);
}
.mobile-nav.is-open {
    display: grid;
}
.mobile-actions {
    justify-content: center;
    padding: 0 16px 12px;
}
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 46px;
    padding: 12px 22px;
    border-radius: 999px;
    background: linear-gradient(135deg, var(--primary), #0c61c5);
    color: #fff;
    font-weight: 800;
    box-shadow: 0 12px 26px rgba(25,137,250,.28);
    border: 0;
    cursor: pointer;
}
.btn:hover { transform: translateY(-1px); }
.btn-small {
    min-height: 40px;
    padding: 9px 18px;
    font-size: 14px;
}
.btn-alt {
    background: linear-gradient(135deg, #111111, #404040);
}
.hero, .banner {
    background: radial-gradient(circle at top right, rgba(25,137,250,.22), transparent 36%), linear-gradient(135deg, #f7fbff, #ffffff);
    padding: 44px 0;
}
.container {
    width: min(1120px, calc(100% - 32px));
    margin: 0 auto;
}
.hero-grid {
    display: grid;
    gap: 28px;
    align-items: center;
}
.kicker, .tag {
    display: inline-flex;
    align-items: center;
    border-radius: 999px;
    background: rgba(25,137,250,.12);
    color: #084d92;
    padding: 7px 12px;
    font-weight: 800;
    font-size: 13px;
}
h1, h2, h3 {
    line-height: 1.2;
    color: var(--black);
}
h1 {
    font-size: clamp(32px, 8vw, 58px);
    margin: 14px 0 16px;
}
h2 {
    font-size: clamp(25px, 5vw, 38px);
    margin: 0 0 14px;
}
h3 { margin: 0 0 10px; font-size: 20px; }
.lead {
    font-size: 18px;
    color: #3f3f3f;
    max-width: 720px;
}
.tags {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin: 22px 0;
}
section { padding: 44px 0; }
.grid {
    display: grid;
    gap: 18px;
}
.card {
    background: #ffffff;
    border-radius: var(--radius);
    padding: 24px;
    box-shadow: var(--shadow);
    border: 1px solid rgba(17,17,17,.06);
}
.card-soft {
    background: var(--light);
    box-shadow: none;
}
.notice {
    border-left: 5px solid var(--primary);
    background: rgba(25,137,250,.10);
    border-radius: 16px;
    padding: 18px;
    margin: 22px 0;
}
.faq {
    display: grid;
    gap: 14px;
}
.faq details {
    background: #fff;
    border-radius: 16px;
    box-shadow: var(--shadow);
    padding: 16px 18px;
}
.faq summary {
    cursor: pointer;
    font-weight: 800;
    color: var(--black);
}
.steps {
    counter-reset: step;
    display: grid;
    gap: 14px;
    padding: 0;
    list-style: none;
}
.steps li {
    counter-increment: step;
    background: #fff;
    border-radius: 16px;
    box-shadow: var(--shadow);
    padding: 18px 18px 18px 62px;
    position: relative;
}
.steps li::before {
    content: counter(step);
    position: absolute;
    left: 18px;
    top: 18px;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--primary);
    color: #fff;
    display: grid;
    place-items: center;
    font-weight: 900;
}
.inline-links {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-top: 18px;
}
.inline-links a {
    color: #075db2;
    font-weight: 800;
}
.footer {
    background: var(--dark);
    color: #eaeaea;
    padding: 42px 0;
}
.footer-grid {
    display: grid;
    gap: 22px;
}
.footer-logo {
    color: #fff;
    font-size: 26px;
    font-weight: 900;
}
.footer-nav {
    display: grid;
    align-items: start;
}
.footer-note strong {
    display: inline-flex;
    background: var(--primary);
    color: #fff;
    border-radius: 999px;
    padding: 8px 14px;
    margin-bottom: 8px;
}
.page-hero {
    padding: 40px 0;
    background: linear-gradient(135deg, rgba(25,137,250,.14), rgba(245,245,245,1));
}
@media (min-width: 768px) {
    .mobile-top, .mobile-actions, .mobile-nav {
        display: none;
    }
    .header-inner {
        display: flex;
    }
    .hero-grid {
        grid-template-columns: 1.1fr .9fr;
    }
    .grid-2 {
        grid-template-columns: repeat(2, 1fr);
    }
    .grid-3 {
        grid-template-columns: repeat(3, 1fr);
    }
    .footer-grid {
        grid-template-columns: 1.3fr .8fr 1.2fr;
    }
}
@media (min-width: 1024px) {
    .header-inner {
        padding: 16px 28px;
        gap: 34px;
    }
    .logo img {
        width: 150px;
    }
    section {
        padding: 58px 0;
    }
    .hero, .banner {
        padding: 72px 0;
    }
}