:root{--navy:#14213D;--ink:#1f2937;--muted:#5b6475;--accent:#F2A93B;--accent-d:#c9821b;--bg:#F7F8FA;--line:#e5e7eb;--ok:#0f766e}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:var(--navy)}img{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
header.top{position:sticky;top:0;background:#fff;border-bottom:1px solid var(--line);z-index:10}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{font-weight:800;font-size:26px;letter-spacing:-.5px;color:var(--navy);text-decoration:none}
.logo span{color:var(--accent)}
nav a{margin-left:22px;text-decoration:none;color:var(--ink);font-size:15px}
nav a.btn{color:#fff}
.btn{display:inline-block;background:var(--accent);color:#14213D!important;font-weight:700;padding:12px 22px;border-radius:8px;text-decoration:none;border:0;cursor:pointer;font-size:16px}
.btn:hover{background:var(--accent-d)}
.btn.ghost{background:transparent;border:2px solid #fff;color:#fff!important}
.hero{background:var(--navy);color:#fff;padding:72px 0 80px}
.hero .wrap{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:center}
.hero h1{font-size:44px;line-height:1.15;margin:0 0 16px;letter-spacing:-.5px}
.hero p.lead{font-size:19px;color:#d6dbe6;margin:0 0 28px}
.hero .ticks{list-style:none;padding:0;margin:24px 0 0;color:#d6dbe6}
.hero .ticks li{margin:6px 0}.hero .ticks li:before{content:"✓  ";color:var(--accent);font-weight:700}
.card{background:#fff;color:var(--ink);border-radius:14px;padding:26px;box-shadow:0 10px 30px rgba(0,0,0,.18)}
.card h2{margin:0 0 4px;font-size:22px;color:var(--navy)}
.card p.small{margin:0 0 16px;color:var(--muted);font-size:14px}
label{display:block;font-size:14px;font-weight:600;margin:12px 0 4px}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid #cfd5df;border-radius:8px;font:inherit;font-size:15px}
.consent{display:flex;gap:8px;align-items:flex-start;font-size:13px;color:var(--muted);margin:14px 0}
.consent input{width:auto;margin-top:4px}
section{padding:72px 0}section.alt{background:var(--bg)}
h2.sec{font-size:32px;color:var(--navy);margin:0 0 10px;letter-spacing:-.3px}
p.sub{color:var(--muted);margin:0 0 36px;font-size:17px;max-width:720px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.svc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px}
.svc .ic{width:44px;height:44px;border-radius:10px;background:#FFF4E2;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:12px}
.svc h3{margin:0 0 6px;color:var(--navy)}.svc p{margin:0;color:var(--muted);font-size:15px}
.soon{display:inline-block;font-size:12px;background:#eef2f7;color:var(--muted);padding:2px 8px;border-radius:20px;margin-left:6px;font-weight:600}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.step{padding:20px;border-left:3px solid var(--accent);background:#fff}
.step:before{counter-increment:s;content:counter(s);font-weight:800;font-size:28px;color:var(--accent)}
.step h3{margin:4px 0;color:var(--navy);font-size:18px}.step p{margin:0;color:var(--muted);font-size:15px}
.why{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.why div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px}
.why h3{margin:0 0 6px;color:var(--navy)}.why p{margin:0;color:var(--muted)}
.notice{background:#fff;border:1px solid var(--line);border-left:4px solid var(--navy);padding:18px 20px;border-radius:0;color:var(--muted);font-size:15px}
footer{background:#0e1830;color:#aab3c5;padding:44px 0;font-size:14px}
footer a{color:#dfe4ee}footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
footer h4{color:#fff;margin:0 0 10px;font-size:15px}
footer .legal{border-top:1px solid #24304a;margin-top:30px;padding-top:20px;font-size:13px;line-height:1.7}
.doc{max-width:820px;margin:0 auto;padding:56px 20px}
.doc h1{color:var(--navy);font-size:36px;margin:0 0 6px}.doc h2{color:var(--navy);margin-top:36px;font-size:22px}
.doc table{width:100%;border-collapse:collapse;margin:10px 0}.doc th,.doc td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top;font-size:15px}
.doc th{background:var(--bg)}
.meta{color:var(--muted);font-size:14px}
@media(max-width:860px){.hero .wrap,.grid,.steps,.why,footer .cols{grid-template-columns:1fr}.hero h1{font-size:34px}nav a:not(.btn){display:none}}