:root{--bg:#F4F7FB;--ink:#0C1B33;--mut:#46556E;--line:#D3DCE9;--card:#FFFFFF;--acc:#1D4ED8;--acc-d:#1B3FAE;--warm:#FFB020;--dark:#0C1B33;--dk-mut:#B4C1D6;--r:6px;--w:1180px;--hh:68px;--ff:"Segoe UI","Helvetica Neue",Arial,system-ui,sans-serif}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--ff);font-size:17px;line-height:1.6;padding-top:var(--hh)}
img{max-width:100%;height:auto;display:block}
a{color:var(--acc);text-underline-offset:3px}
a:hover{color:var(--acc-d)}
:focus-visible{outline:3px solid var(--warm);outline-offset:2px}
h1,h2,h3{line-height:1.12;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2.3rem,5.4vw,4.1rem);font-weight:800;letter-spacing:-.035em}
h2{font-size:clamp(1.75rem,3.5vw,2.6rem);font-weight:750}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
[id]{scroll-margin-top:calc(var(--hh) + 16px)}
.box{max-width:var(--w);margin:0 auto;padding:0 20px}
.box-s{max-width:800px}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:8px 14px;z-index:100;border-radius:var(--r)}
.skip:focus{left:8px}
/* header */
.bar{position:fixed;top:0;left:0;right:0;height:var(--hh);background:var(--bg);border-bottom:1px solid var(--line);z-index:50}
.bar-in{height:100%;display:flex;align-items:center;gap:20px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);margin-right:auto}
.brand:hover{color:var(--ink)}
.brand-t{display:flex;flex-direction:column;line-height:1.1}
.brand-t b{font-size:1.15rem;letter-spacing:-.02em}
.brand-t small{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--mut)}
.nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0}
.nav a{display:block;padding:8px 12px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.97rem;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current]{border-bottom-color:var(--acc);color:var(--acc-d)}
.lang{position:relative}
.lang summary{list-style:none;cursor:pointer;padding:7px 12px;border:1px solid var(--ink);border-radius:var(--r);font-weight:700;font-size:.9rem}
.lang summary::-webkit-details-marker{display:none}
.lang summary::after{content:"";display:inline-block;width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin:0 0 3px 8px}
.lang ul{position:absolute;right:0;top:calc(100% + 6px);min-width:150px;list-style:none;margin:0;padding:6px;background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:0 6px 0 rgba(0,0,0,.1)}
.lang a{display:block;padding:8px 10px;text-decoration:none;color:var(--ink);border-radius:4px}
.lang a:hover,.lang a[aria-current]{background:var(--bg)}
.burger{display:none;width:44px;height:44px;border:1px solid var(--ink);background:transparent;border-radius:var(--r);padding:0;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px}
.burger span{display:block;width:20px;height:2px;background:var(--ink);transition:transform .2s,opacity .2s}
.burger[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded=true] span:nth-child(2){opacity:0}
.burger[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
/* buttons */
.go{display:inline-block;background:var(--acc);color:#fff;border:2px solid var(--acc);padding:13px 24px;border-radius:var(--r);font:inherit;font-weight:700;text-decoration:none;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s}
.go:hover{background:var(--acc-d);border-color:var(--acc-d);color:#fff;transform:translate(-2px,-2px);box-shadow:3px 3px 0 rgba(0,0,0,.85)}
.go-line{background:transparent;color:var(--ink);border-color:var(--ink)}
.go-line:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.go-warm{background:var(--warm);border-color:var(--warm);color:var(--ink)}
.go-warm:hover{background:#FFC24F;border-color:#FFC24F;color:var(--ink)}
.linkish{background:none;border:0;padding:0;font:inherit;color:inherit;text-decoration:underline;text-underline-offset:3px;cursor:pointer}
/* intro */
.lede{padding:56px 0 72px}
.lede-in{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.lead{font-size:clamp(1.1rem,1.6vw,1.3rem);color:var(--mut);max-width:34em}
.lead-s{font-size:1.12rem;color:var(--mut)}
.acts{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0}
.tags{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px 22px;font-size:.92rem;font-weight:600}
.tags li{padding-left:14px;border-left:3px solid var(--warm)}
.lede-v img,.rim{width:100%;border-radius:var(--r);border-bottom:6px solid var(--warm);background:var(--dark)}
/* blocks */
.sect{padding:84px 0}
.sect-line{border-top:1px solid var(--line)}
.dark{background:var(--dark);color:var(--bg)}
.dark p,.dark .sec-h p{color:var(--dk-mut)}
.dark-s{background:var(--card);border-bottom:1px solid var(--line);padding:56px 0}
.sec-h{max-width:640px;margin-bottom:44px}
.sec-h p{color:var(--mut);font-size:1.1rem}
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.two-top{align-items:start}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.tiles-4{grid-template-columns:repeat(4,1fr);gap:20px}
.tiles-2{grid-template-columns:repeat(2,1fr)}
.tile{background:var(--card);border:1px solid var(--line);border-radius:var(--r);display:flex;flex-direction:column;overflow:hidden;transition:transform .15s,box-shadow .15s,border-color .15s}
.tile:hover{transform:translateY(-3px);border-color:var(--ink);box-shadow:4px 4px 0 rgba(0,0,0,.85)}
.tile-img{display:block;border-bottom:4px solid var(--warm);background:var(--dark)}
.tile-img img{width:100%;aspect-ratio:3/2;object-fit:cover}
.tile-b{padding:22px 24px 26px;display:flex;flex-direction:column;flex:1}
.tile-b p{color:var(--mut)}
.tile-b h2{font-size:1.45rem}
.tiles-4 .tile-b{padding:18px 18px 22px}
.tiles-4 .tile-b h3{font-size:1.05rem}
.tiles-4 .tile-b p{font-size:.93rem}
.more{margin-top:auto;font-weight:700;text-decoration:none}
.more:hover{text-decoration:underline}
.tagline{font-size:.82rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--acc);margin-bottom:.6em}
/* steps */
.flow{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);border-top:2px solid #2A3E5E}
.flow li{padding:26px 22px 8px 0;position:relative}
.flow li::before{content:"";position:absolute;top:-7px;left:0;width:12px;height:12px;background:var(--warm)}
.flow li::after{content:"";position:absolute;top:-1px;right:8px;width:9px;height:9px;border-top:2px solid #7487A6;border-right:2px solid #7487A6;transform:translateY(-4px) rotate(45deg)}
.flow li:last-child::after{display:none}
.flow h3{color:#fff;font-size:1.15rem}
.flow p{font-size:.97rem;margin:0}
/* lists */
.adv{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:28px 36px}
.adv li{border-top:3px solid var(--acc);padding-top:14px}
.adv p{color:var(--mut);margin:0}
.adv-inv li{border-top-color:var(--warm)}
.adv-inv h3{color:#fff}
.adv-inv p{color:var(--dk-mut)}
.adv-1{grid-template-columns:1fr;margin-top:24px}
.tick{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.tick li{padding-left:30px;position:relative}
.tick li::before{content:"";position:absolute;left:2px;top:.5em;width:12px;height:7px;border-left:3px solid var(--acc);border-bottom:3px solid var(--acc);transform:rotate(-45deg)}
.tick-2{grid-template-columns:1fr 1fr;gap:14px 28px}
.tick-inv li{color:#fff}
.tick-inv li::before{border-color:var(--warm)}
.who{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.who li{border-top:3px solid var(--acc);padding-top:18px}
.who .ic{color:var(--acc);margin-bottom:10px}
.who p{color:var(--mut);margin:0}
.facts{margin:24px 0 0;display:grid;gap:0}
.facts div{display:grid;grid-template-columns:130px 1fr;gap:16px;padding:14px 0;border-top:1px solid var(--line)}
.facts div:last-child{border-bottom:1px solid var(--line)}
.facts dt{font-weight:700;color:var(--mut);font-size:.92rem}
.facts dd{margin:0}
.dark img{border-radius:var(--r);border-bottom:5px solid var(--warm)}
/* faq */
.qa{border-top:1px solid var(--line)}
.qa:last-child{border-bottom:1px solid var(--line)}
.qa summary{cursor:pointer;list-style:none;padding:18px 36px 18px 0;font-weight:700;position:relative}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:"+";position:absolute;right:6px;top:14px;font-size:1.5rem;font-weight:400;color:var(--acc)}
.qa[open] summary::after{content:"\2212"}
.qa p{color:var(--mut);padding-right:36px}
.notice{border:2px solid var(--ink);border-radius:var(--r);padding:30px 32px;background:var(--card)}
.notice h2{font-size:1.5rem}
.notice p:last-child{margin:0}
.notice-s{margin-top:44px;border-left:8px solid var(--warm)}
.note-blk{padding:0 0 84px}
.more-all{margin:36px 0 0}
/* page head */
.phead{padding:56px 0 48px;border-bottom:1px solid var(--line)}
.phead h1{font-size:clamp(2.2rem,5vw,3.6rem)}
.phead .lede-in{align-items:center}
.crumbs ol{display:flex;flex-wrap:wrap;gap:6px;list-style:none;margin:0 0 20px;padding:0;font-size:.9rem;color:var(--mut)}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--line)}
.crumbs a{color:var(--mut)}
/* services */
.svc{display:grid;grid-template-columns:.85fr 1.15fr;gap:48px;padding:48px 0;border-top:1px solid var(--line)}
.svc:first-child{border-top:0;padding-top:0}
.svc-h .ic{color:var(--acc);margin-bottom:14px}
.svc-h h2{font-size:clamp(1.55rem,3vw,2.1rem)}
.svc-h p{color:var(--mut)}
.trio{margin:0;display:grid;gap:0}
.trio div{padding:18px 0;border-top:1px solid var(--line)}
.trio div:first-child{border-top:0;padding-top:0}
.trio dt{font-size:.8rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--acc);margin-bottom:6px}
.trio dd{margin:0}
.legal-note{margin-top:20px;padding:18px 22px;border-left:6px solid var(--warm);background:var(--card);border-radius:var(--r);color:var(--mut);font-size:.97rem}
.cy-h{font-size:1.4rem;margin-bottom:24px}
.cycle{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:0}
.cycle li{position:relative;padding:14px 26px 14px 18px;font-weight:700;border:2px solid var(--ink);margin-left:-2px;background:var(--bg)}
.cycle li:first-child{margin-left:0;border-radius:var(--r) 0 0 var(--r)}
.cycle li:last-child{border-radius:0 var(--r) var(--r) 0;background:var(--warm)}
.cycle li:not(:last-child)::after{content:"";position:absolute;right:-9px;top:50%;width:14px;height:14px;background:var(--bg);border-top:2px solid var(--ink);border-right:2px solid var(--ink);transform:translateY(-50%) rotate(45deg);z-index:2}
/* band */
.band{background:var(--dark);color:#fff;padding:56px 0}
.band-in{display:flex;align-items:center;justify-content:space-between;gap:32px}
.band h2{font-size:clamp(1.5rem,3vw,2.2rem);margin-bottom:.3em}
.band p{color:var(--dk-mut);margin:0}
/* form */
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:28px;border-top:5px solid var(--acc)}
.panel-h{font-size:1.4rem}
.f-row{margin-bottom:16px}
.f-row label{display:block;font-weight:700;font-size:.92rem;margin-bottom:6px}
.f-row input,.f-row textarea,.f-row select{width:100%;font:inherit;color:var(--ink);background:#fff;border:1.5px solid #7B8798;border-radius:var(--r);padding:11px 13px}
.f-row input:focus,.f-row textarea:focus,.f-row select:focus{outline:3px solid var(--warm);outline-offset:1px;border-color:var(--ink)}
.f-row .bad,.f-check .bad{border-color:#B3261E;outline:2px solid #B3261E}
.f-check{display:flex;gap:10px;align-items:flex-start;margin:6px 0 18px;font-size:.95rem}
.f-check input{width:20px;height:20px;margin-top:3px;flex:none;accent-color:var(--acc)}
.f-note{font-size:.88rem;color:var(--mut);margin:14px 0 0}
.f-status{margin:12px 0 0;font-weight:700;min-height:1.4em}
.f-status.err{color:#B3261E}
/* article */
.post{padding:48px 0 72px}
.post h1{font-size:clamp(2rem,4.6vw,3.1rem)}
.post .rim{aspect-ratio:8/5;object-fit:cover;margin:28px 0 36px}
.prose h2{font-size:1.5rem;margin-top:1.8em}
.prose p{font-size:1.07rem}
.legal h2{font-size:1.25rem;margin-top:1.6em}
.after{margin-top:48px;padding-top:24px;border-top:1px solid var(--line)}
.after h2{font-size:1.2rem}
.after ul{padding-left:20px;margin:0}
.after li{margin-bottom:8px}
/* footer */
.foot{background:var(--dark);color:var(--dk-mut);padding:64px 0 28px;font-size:.96rem}
.foot a{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px}
.foot h2{font-size:.82rem;text-transform:uppercase;letter-spacing:.1em;color:#fff;margin-bottom:14px}
.foot ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.foot address{font-style:normal;margin-top:14px;line-height:1.7}
.foot address strong{color:#fff}
.brand-inv,.brand-inv:hover{color:#fff}
.brand-inv .brand-t small{color:var(--dk-mut)}
.foot .linkish{color:#fff}
.foot-disc{border-top:1px solid #2A3E5E;margin:40px 0 14px;padding-top:22px;font-size:.9rem;max-width:64em}
.foot-copy{margin:0;font-size:.88rem}
/* cookie + toast */
.ck{position:fixed;left:16px;right:16px;bottom:16px;z-index:60;max-width:880px;margin:0 auto;background:var(--card);border:2px solid var(--ink);border-radius:var(--r);box-shadow:5px 5px 0 rgba(0,0,0,.85);padding:18px 20px}
.ck[hidden]{display:none}
.ck-in{display:flex;gap:20px;align-items:center;justify-content:space-between}
.ck p{margin:4px 0 0;font-size:.93rem;color:var(--mut)}
.ck-act{display:flex;gap:10px;flex:none}
.ck .go{padding:10px 18px}
.toast{position:fixed;left:16px;right:16px;top:calc(var(--hh) + 14px);z-index:70;max-width:520px;margin:0 auto;background:#0E6B43;color:#fff;border:2px solid var(--ink);border-radius:var(--r);box-shadow:4px 4px 0 rgba(0,0,0,.85);padding:14px 18px;font-weight:600}
.toast[hidden]{display:none}
/* responsive */
@media (max-width:1100px){
.tiles-4{grid-template-columns:repeat(2,1fr)}
.who{grid-template-columns:1fr 1fr}
}
@media (max-width:1000px){
.lede-in,.two,.svc{grid-template-columns:1fr;gap:32px}
.tiles{grid-template-columns:repeat(2,1fr)}
.flow{grid-template-columns:1fr 1fr;border-top:0;gap:8px 28px}
.flow li{border-top:2px solid #2A3E5E;margin-top:10px}
.flow li::after{display:none}
.foot-grid{grid-template-columns:1fr 1fr}
.sect{padding:64px 0}
.cycle{grid-template-columns:1fr 1fr;gap:10px}
.cycle li,.cycle li:first-child,.cycle li:last-child{margin:0;border-radius:var(--r)}
.cycle li::after{display:none}
}
@media (max-width:860px){
.burger{display:flex}
.nav{position:fixed;top:var(--hh);left:0;right:0;background:var(--bg);border-bottom:1px solid var(--line);padding:8px 20px 16px;display:none}
.nav.open{display:block}
.nav ul{flex-direction:column;gap:0}
.nav a{padding:14px 4px;border-bottom:1px solid var(--line)}
}
@media (max-width:640px){
body{font-size:16px}
.tiles,.tiles-2,.tiles-4,.adv,.flow,.who,.tick-2,.cycle{grid-template-columns:1fr}
.foot-grid{grid-template-columns:1fr}
.band-in,.ck-in{flex-direction:column;align-items:flex-start}
.facts div{grid-template-columns:1fr;gap:2px}
.panel{padding:20px}
.lede{padding:36px 0 52px}
.brand-t small{display:none}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}.go:hover,.tile:hover{transform:none}}