:root{--bg:#f3f4fa;--alt:#e4e7f4;--card:#ffffff;--line:#d2d7ea;--ink:#1b2040;--muted:#566086;--head:#1a2150;--accent:#f2b632;--on-accent:#1a1100;--link:#33449e;--hero-bg:linear-gradient(160deg,#10163a,#1f2a66 60%,#35408f);--hero-ink:#ffffff;--hero-sub:#d3d9f3;--top-bg:#10163a;--top-ink:#ffffff;--top-line:rgba(255,255,255,.1);--nav-hover:rgba(255,255,255,.12);--nav-on:#f2b632;--nav-on-ink:#1a1100;--btn:#1a2150;--btn-ink:#ffffff;--hbtn:#f2b632;--hbtn-ink:#1a1100;--cbtn:#f2b632;--cbtn-ink:#1a1100;--cta-bg:linear-gradient(135deg,#10163a,#2a3685);--cta-ink:#ffffff;--foot-bg:#0b1030;--foot-ink:#cdd3f0;--foot-head:#f2b632;--radius:22px;--btn-r:999px;--nav-r:999px;--font-head:'Segoe UI',system-ui,-apple-system,Roboto,'Helvetica Neue',Arial,sans-serif;--font-body:'Segoe UI',system-ui,-apple-system,Roboto,'Helvetica Neue',Arial,sans-serif;--font-ui:'Segoe UI',system-ui,-apple-system,Roboto,'Helvetica Neue',Arial,sans-serif;--hw:700;--hls:-.02em;--tt:none;--ls:0;--pattern:radial-gradient(rgba(255,255,255,.55) 1px,transparent 1.6px) 0 0/97px 97px,radial-gradient(rgba(255,255,255,.3) 1px,transparent 1.6px) 41px 58px/67px 67px;--cut:ellipse(58% 100% at 50% 100%);--cut-h:80px}
@media (prefers-color-scheme:dark){:root{--bg:#0b0f26;--alt:#111736;--card:#171e45;--line:#2a3470;--ink:#e8eafc;--muted:#a6aedb;--head:#ffffff;--link:#f2c75a;--btn:#f2b632;--btn-ink:#1a1100}}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.7 var(--font-body);padding-bottom:env(safe-area-inset-bottom,0px)}
img,svg{max-width:100%;height:auto}
a{color:var(--link);text-underline-offset:3px}
a:focus-visible,summary:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:6px}
h1,h2,h3{font-family:var(--font-head);font-weight:var(--hw);color:var(--head);line-height:1.15;margin:0;letter-spacing:var(--hls)}
h1{font-size:clamp(2.1rem,5.2vw,3.5rem)}
h2{font-size:clamp(1.65rem,3.4vw,2.3rem);margin-bottom:14px}
h3{font-size:1.2rem;margin-bottom:8px}
p{margin:0 0 16px}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
.narrow{max-width:720px}
.muted{color:var(--muted)}

.top{background:var(--top-bg);color:var(--top-ink);padding-top:env(safe-area-inset-top,0px);position:relative;z-index:5;border-bottom:1px solid var(--top-line)}
.top .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px 28px;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--top-ink);font:700 1.3rem var(--font-head)}
.brand svg{flex:none}
.brand small{display:block;font:500 .78rem/1.2 var(--font-ui);opacity:.8;text-transform:var(--tt);letter-spacing:var(--ls)}
nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:2px 6px}
nav a{display:block;color:var(--top-ink);text-decoration:none;font:600 .96rem/1.2 var(--font-ui);padding:9px 14px;border-radius:var(--nav-r)}
nav a:hover{background:var(--nav-hover)}
nav a[aria-current="page"]{background:var(--nav-on);color:var(--nav-on-ink)}

.hero{background:var(--pattern),var(--hero-bg);color:var(--hero-ink);position:relative;padding:52px 0 calc(var(--cut-h) + 48px)}
.page-hero{background:var(--pattern),var(--hero-bg);color:var(--hero-ink);position:relative;padding:44px 0 calc(var(--cut-h) + 40px)}
.hero::after,.page-hero::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:var(--cut-h);background:var(--bg);clip-path:var(--cut)}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center}
.hero h1{color:var(--hero-ink);margin-bottom:20px}
.hero .lead{font-size:1.2rem;color:var(--hero-sub);max-width:34em}
.hero-art{display:flex;justify-content:center}
.hero-art svg{width:100%;max-width:300px;height:auto;filter:drop-shadow(0 18px 22px rgba(0,0,0,.28))}
.facts-line{margin-top:26px;font-size:.96rem;color:var(--hero-sub);display:flex;flex-wrap:wrap;gap:6px 22px}
.facts-line span::before{content:"";display:inline-block;width:9px;height:9px;background:var(--hbtn);border-radius:50%;margin-right:8px}
.page-hero h1{color:var(--hero-ink);font-size:clamp(2rem,4.4vw,3rem);margin-bottom:12px}
.page-hero p{color:var(--hero-sub);font-size:1.12rem;max-width:36em;margin:0}

.btn{display:inline-block;background:var(--btn);color:var(--btn-ink);text-decoration:none;font:700 1rem/1.2 var(--font-ui);padding:14px 26px;border-radius:var(--btn-r);margin:6px 10px 6px 0;transition:transform .15s}
.btn:hover{transform:translateY(-2px)}
.btn.alt{background:transparent;color:var(--head);box-shadow:inset 0 0 0 2px var(--head)}
.hero .btn{background:var(--hbtn);color:var(--hbtn-ink)}
.hero .btn.alt{background:transparent;color:var(--hero-ink);box-shadow:inset 0 0 0 2px var(--hero-ink)}

.section{padding:72px 0}
.section.alt{background:var(--alt)}
.section-head{max-width:640px;margin-bottom:34px}
.section-head p{color:var(--muted);font-size:1.06rem;margin:0}
.two{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:22px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.card p{margin:0;color:var(--muted)}
.card p+p{margin-top:12px}
.icon{width:54px;height:54px;border-radius:calc(var(--radius)*.7);background:var(--accent);color:var(--on-accent);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.tag{display:inline-block;font:700 .8rem/1.2 var(--font-ui);color:var(--on-accent);background:var(--accent);padding:4px 12px;border-radius:999px;margin-bottom:12px;text-transform:var(--tt);letter-spacing:var(--ls)}
.card ul{margin:12px 0 0;padding-left:18px;color:var(--muted)}
.card dl{margin:14px 0 0;font-size:.95rem}
.card dt{font-weight:700;color:var(--head);float:left;clear:left;margin-right:6px}
.card dd{margin:0 0 4px;color:var(--muted)}

.steps{list-style:none;counter-reset:s;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:22px}
.steps li{counter-increment:s;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px 24px;position:relative}
.steps li::before{content:counter(s);position:absolute;top:-18px;left:22px;width:38px;height:38px;border-radius:50%;background:var(--accent);color:var(--on-accent);font:bold 1.1rem/38px var(--font-head);text-align:center}
.steps h3{margin-top:6px}
.steps p{margin:0;color:var(--muted);font-size:.98rem}

.quote{margin:0;background:var(--card);border-left:6px solid var(--accent);border-radius:6px var(--radius) var(--radius) 6px;padding:24px 26px}
.quote p{font:italic 1.06rem/1.6 var(--font-head);color:var(--ink);margin-bottom:14px}
.quote cite{font-style:normal;font-weight:700;color:var(--head);font-size:.95rem}

.timeline{list-style:none;margin:0;padding:0 0 0 26px;border-left:3px solid var(--accent)}
.timeline li{position:relative;padding:0 0 28px 8px}
.timeline li::before{content:"";position:absolute;left:-36px;top:7px;width:17px;height:17px;border-radius:50%;background:var(--bg);border:4px solid var(--accent)}
.timeline b{font:bold 1.15rem var(--font-head);color:var(--head);display:block}
.timeline span{color:var(--muted)}

details.faq{background:var(--card);border:1px solid var(--line);border-radius:calc(var(--radius)*.75);margin-bottom:12px}
details.faq summary{cursor:pointer;font-weight:700;color:var(--head);padding:18px 22px;list-style:none;display:flex;justify-content:space-between;gap:16px}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--link)}
details.faq[open] summary::after{content:"\2013"}
details.faq p{padding:0 22px 20px;margin:0;color:var(--muted)}

.cta{background:var(--pattern),var(--cta-bg);color:var(--cta-ink);border-radius:var(--radius);padding:48px 40px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.cta h2{color:var(--cta-ink);margin-bottom:8px}
.cta p{margin:0;opacity:.92;max-width:34em}
.cta .btn{background:var(--cbtn);color:var(--cbtn-ink);margin:0}

table{border-collapse:collapse;width:100%;background:var(--card);border-radius:var(--radius);overflow:hidden}
th,td{text-align:left;padding:16px 20px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--accent);color:var(--on-accent);font:700 .92rem/1.3 var(--font-ui);text-transform:var(--tt);letter-spacing:var(--ls)}
tr:last-child td{border-bottom:0}
td small{display:block;color:var(--muted)}
.scroll{overflow-x:auto;border-radius:var(--radius)}

.article{max-width:720px}
.article+.article{margin-top:64px;padding-top:56px;border-top:2px dashed var(--line)}
.article h2{margin-bottom:6px}
.article .meta{color:var(--muted);font-size:.92rem;margin-bottom:22px}
.article h3{margin:26px 0 8px}

.contact-list{list-style:none;margin:0;padding:0}
.contact-list li{display:flex;gap:16px;padding:16px 0;border-bottom:1px solid var(--line)}
.contact-list li:last-child{border-bottom:0}
.contact-list b{min-width:110px;color:var(--head)}

footer{background:var(--foot-bg);color:var(--foot-ink);padding:56px 0 calc(28px + env(safe-area-inset-bottom,0px))}
footer a{color:var(--foot-ink);opacity:.88}
footer .fcols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px}
footer h4{margin:0 0 12px;font:bold 1.05rem var(--font-head);color:var(--foot-head)}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin-bottom:6px}
footer p{opacity:.88;font-size:.95rem}
footer .copy{border-top:1px solid rgba(255,255,255,.16);margin-top:34px;padding-top:20px;font-size:.88rem;opacity:.75}

@media (max-width:820px){
  .hero-grid,.two,.cta,footer .fcols{grid-template-columns:1fr}
  .hero{padding-top:32px}
  .hero-art{order:-1}.hero-art svg{max-width:190px}
  .section{padding:54px 0}
  .cta{padding:34px 26px}
  .contact-list li{flex-direction:column;gap:2px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}