:root {
  --ink: #172033;
  --muted: #5f6f84;
  --line: #dbe3ee;
  --soft: #f7f9fc;
  --blue: #0f6b8f;
  --green: #18785f;
  --rose: #b3325a;
  --gold: #a66a18;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: #ffffff;
  line-height: 1.65;
}
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 18px; }
.topbar {
  border-bottom: 1px solid var(--line);
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 10;
}
.nav {
  min-height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand { font-weight: 800; color: var(--ink); font-size: 20px; }
.menu { display: flex; flex-wrap: wrap; gap: 14px; font-size: 14px; }
.menu a { color: #344256; }
.hero {
  background: linear-gradient(180deg, #f8fbff 0%, #fff 100%);
  border-bottom: 1px solid var(--line);
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 34px;
  align-items: center;
  padding: 42px 0 34px;
}
.eyebrow {
  display: inline-block;
  color: var(--green);
  font-weight: 700;
  margin-bottom: 8px;
}
h1, h2, h3 { line-height: 1.25; color: #121b2d; }
h1 { font-size: 42px; margin: 0 0 16px; }
h2 { font-size: 28px; margin: 34px 0 12px; }
h3 { font-size: 20px; margin: 24px 0 8px; }
.lead { font-size: 18px; color: #3f5066; margin: 0 0 18px; }
.actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: 10px 16px;
  border: 1px solid var(--blue);
  border-radius: 6px;
  font-weight: 700;
}
.btn.primary { background: var(--blue); color: #fff; }
.btn.secondary { background: #fff; color: var(--blue); }
.trust {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}
.trust div,
.tile,
.note,
.toc,
.faq-item {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}
.trust div { padding: 14px; font-weight: 700; }
.section { padding: 28px 0; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.tile { padding: 18px; }
.tile h3 { margin-top: 0; }
.muted { color: var(--muted); }
.toc { padding: 16px 18px; background: var(--soft); margin: 20px 0; }
.toc strong { display: block; margin-bottom: 8px; }
.toc ul { margin: 0; padding-left: 20px; }
.infographic { margin: 22px 0; }
.infographic img {
  width: 100%;
  height: auto;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}
.note {
  border-left: 4px solid var(--green);
  padding: 16px 18px;
  background: #f7fcfa;
}
.table {
  width: 100%;
  border-collapse: collapse;
  margin: 16px 0;
  border: 1px solid var(--line);
}
.table th, .table td {
  padding: 12px;
  border-bottom: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}
.table th { background: #f1f5f9; }
.faq-item { padding: 14px 18px; margin-bottom: 10px; }
.footer {
  margin-top: 34px;
  border-top: 1px solid var(--line);
  background: #f8fafc;
  padding: 26px 0;
  color: #516174;
}
.breadcrumb { font-size: 14px; color: var(--muted); margin: 22px 0 0; }
.content { max-width: 850px; padding: 18px 0 36px; }
.pill-list { display: flex; flex-wrap: wrap; gap: 8px; margin: 12px 0; }
.pill-list a, .pill {
  display: inline-block;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 7px 11px;
  background: #fff;
  color: #314257;
}
@media (max-width: 820px) {
  .hero-inner, .grid-2, .grid-3 { grid-template-columns: 1fr; }
  h1 { font-size: 32px; }
  .nav { align-items: flex-start; flex-direction: column; padding: 12px 0; }
  .trust { grid-template-columns: 1fr; }
}