:root {
    --bg: #f7f8fb;
    --surface: #ffffff;
    --surface-soft: #eef3ff;
    --ink: #12213a;
    --muted: #5e6a7d;
    --line: #d8e0ee;
    --primary: #164f9f;
    --primary-dark: #0d3670;
    --accent: #b92735;
    --warning-bg: #fff3df;
    --warning-line: #e5a13b;
    --important-bg: #fff0f2;
    --important-line: #c94555;
    --radius: 18px;
    --shadow: 0 18px 45px rgba(18, 33, 58, 0.08);
}

* { box-sizing: border-box; }
body { margin: 0; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; color: var(--ink); background: var(--bg); line-height: 1.6; }
a { color: var(--primary); }
a:hover { color: var(--primary-dark); }
.container { width: min(1120px, calc(100% - 32px)); margin: 0 auto; }
.narrow { width: min(880px, calc(100% - 32px)); }
.skip-link { position: absolute; left: -999px; top: auto; width: 1px; height: 1px; overflow: hidden; }
.skip-link:focus { left: 16px; top: 16px; width: auto; height: auto; padding: 10px 14px; background: var(--surface); border: 2px solid var(--primary); z-index: 10; }
.site-header { background: rgba(255, 255, 255, 0.94); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 5; backdrop-filter: blur(10px); }
.nav-wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding: 14px 0; }
.brand { color: var(--ink); display: inline-flex; align-items: center; gap: 12px; text-decoration: none; }
.brand-mark { display: inline-grid; place-items: center; width: 42px; height: 42px; border-radius: 50%; background: var(--primary); color: #fff; font-weight: 800; }
.brand small { display: block; color: var(--muted); font-size: 0.78rem; }
.main-nav { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 6px; }
.main-nav a { color: var(--ink); text-decoration: none; padding: 9px 12px; border-radius: 999px; font-weight: 650; font-size: 0.94rem; }
.main-nav a[aria-current="page"], .main-nav a:hover { background: var(--surface-soft); color: var(--primary-dark); }
.hero { background: radial-gradient(circle at top right, #dfeaff 0, transparent 34%), linear-gradient(135deg, #ffffff 0%, #eef4ff 100%); border-bottom: 1px solid var(--line); }
.hero-inner { padding: 72px 0 56px; }
.eyebrow { color: var(--accent); font-weight: 800; letter-spacing: 0.04em; text-transform: uppercase; font-size: 0.8rem; margin: 0 0 10px; }
h1, h2, h3 { line-height: 1.15; }
h1 { font-size: clamp(2.1rem, 5vw, 4.35rem); max-width: 920px; margin: 0 0 18px; }
h2 { font-size: clamp(1.7rem, 3vw, 2.6rem); margin: 0 0 18px; }
h3 { margin: 0 0 10px; }
.lead { max-width: 880px; font-size: clamp(1.08rem, 2vw, 1.35rem); color: var(--muted); margin: 0 0 26px; }
.intro-note { margin: 26px 0 0; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; box-shadow: var(--shadow); }
.actions { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.actions-vertical { align-items: flex-start; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 44px; padding: 11px 18px; border-radius: 999px; text-decoration: none; font-weight: 800; }
.button-primary { background: var(--primary); color: #fff; }
.button-primary:hover { color: #fff; background: var(--primary-dark); }
.button-secondary { background: #fff; border: 1px solid var(--line); color: var(--primary-dark); }
.badge-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 26px; }
.badge { background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 8px 12px; color: var(--muted); font-weight: 700; font-size: 0.9rem; }
.section { padding: 58px 0; }
.section-muted { background: var(--surface-soft); border-block: 1px solid var(--line); }
.section-lead { color: var(--muted); max-width: 800px; }
.card-grid { display: grid; gap: 18px; margin-top: 22px; }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.card, .panel, .faq-item { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow); }
.card-kicker { color: var(--accent); font-size: 0.78rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em; margin: 0 0 8px; }
.inline-link { font-weight: 800; }
.check-list, .x-list, .footer-links { padding-left: 1.2rem; }
.check-list li, .x-list li { margin: 8px 0; }
.split-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; margin-top: 20px; }
.panel-positive { border-top: 5px solid var(--primary); }
.panel-caution { border-top: 5px solid var(--accent); }
.notice { padding: 24px 0; border-block: 1px solid var(--line); }
.notice-inner { background: var(--surface); border-radius: var(--radius); padding: 22px; border: 1px solid var(--line); box-shadow: var(--shadow); }
.notice-soft { background: #f8fbff; }
.notice-warning { background: var(--warning-bg); }
.notice-warning .notice-inner { border-left: 6px solid var(--warning-line); }
.notice-important { background: var(--important-bg); }
.notice-important .notice-inner { border-left: 6px solid var(--important-line); }
.faq-item { margin: 12px 0; }
.faq-item summary { cursor: pointer; font-weight: 800; }
.faq-item p { margin-bottom: 0; }
.links-section { background: #fff; }
.cta-band { background: var(--primary-dark); color: #fff; }
.cta-band .eyebrow { color: #ffced4; }
.cta-band a { color: #fff; }
.cta-band .button-secondary { color: #fff; background: transparent; border-color: rgba(255, 255, 255, 0.45); }
.cta-inner { display: grid; grid-template-columns: 1.3fr 0.7fr; gap: 28px; align-items: center; }
.table-wrap { overflow-x: auto; margin-top: 20px; border-radius: var(--radius); box-shadow: var(--shadow); }
.info-table { width: 100%; border-collapse: collapse; background: var(--surface); min-width: 720px; }
.info-table th, .info-table td { border: 1px solid var(--line); padding: 14px 16px; text-align: left; vertical-align: top; }
.info-table th { background: var(--surface-soft); color: var(--primary-dark); }
.site-footer { background: #0b172b; color: #d9e5f6; padding: 42px 0; }
.site-footer a { color: #ffffff; }
.site-footer h2, .site-footer h3 { color: #ffffff; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 0.8fr 0.9fr; gap: 28px; }
.footer-small { color: #a9b9d2; }
@media (max-width: 900px) {
    .nav-wrap, .cta-inner { align-items: flex-start; flex-direction: column; display: flex; }
    .grid-3, .grid-4, .split-grid, .footer-grid { grid-template-columns: 1fr; }
    .site-header { position: static; }
    .info-table { min-width: 640px; }
}