:root {
  --bg: #f5f7fb;
  --surface: #ffffff;
  --text: #18202a;
  --muted: #5f6b78;
  --line: #dfe5ec;
  --accent: #1e4fd8;
  --accent-dark: #1439a0;
  --soft: #eef3ff;
  --warning: #fff8e5;
  --warning-line: #efcf6a;
  --max: 1120px;
  --radius: 18px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  line-height: 1.65;
}
a { color: var(--accent); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--accent-dark); }
a:focus-visible, button:focus-visible { outline: 3px solid #9fb7ff; outline-offset: 3px; }

.container { width: min(var(--max), calc(100% - 32px)); margin: 0 auto; }
.site-header {
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 10;
  backdrop-filter: blur(10px);
}
.header-inner {
  display: flex;
  gap: 24px;
  align-items: center;
  justify-content: space-between;
  min-height: 74px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--text);
  text-decoration: none;
  font-weight: 750;
  letter-spacing: -.02em;
}
.brand-mark {
  width: 34px; height: 34px; border-radius: 10px;
  background: linear-gradient(145deg, #1e4fd8, #6c8ff2);
  position: relative;
  flex: 0 0 auto;
}
.brand-mark::after {
  content: "";
  position: absolute;
  inset: 8px;
  border: 2px solid #fff;
  border-radius: 7px;
  transform: rotate(45deg);
}
.brand small { display:block; color: var(--muted); font-weight: 500; letter-spacing: 0; font-size: 12px; }
.nav { display:flex; flex-wrap:wrap; gap: 16px; align-items:center; justify-content:flex-end; }
.nav a { color: var(--muted); text-decoration:none; font-size: 14px; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--text); }

.hero { padding: 74px 0 28px; }
.grid-hero { display:grid; grid-template-columns: 1.25fr .75fr; gap: 30px; align-items: stretch; }
.eyebrow { color: var(--accent); font-weight: 750; font-size: 13px; text-transform: uppercase; letter-spacing: .09em; }
h1 { margin: 10px 0 18px; font-size: clamp(36px, 5vw, 58px); line-height: 1.06; letter-spacing: -.045em; }
.lead { margin: 0 0 22px; max-width: 760px; color: var(--muted); font-size: 18px; }
.badges { display:flex; flex-wrap:wrap; gap: 10px; }
.badge { border:1px solid var(--line); background:var(--surface); border-radius:999px; padding:7px 12px; font-size:13px; color:var(--muted); }
.hero-card, .card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 8px 30px rgba(20,34,55,.05); }
.hero-card { padding: 26px; display:flex; flex-direction:column; justify-content:space-between; }
.hero-card h2 { margin-top:0; font-size:20px; }
.hero-card .mini { padding: 14px 0; border-top:1px solid var(--line); }
.hero-card .mini:first-of-type { border-top:0; padding-top:0; }
.mini strong { display:block; margin-bottom:4px; }
.mini span { color:var(--muted); font-size:14px; }

.notice { margin: 0 0 34px; padding: 18px 20px; border:1px solid var(--warning-line); border-radius:16px; background:var(--warning); }
.notice strong { display:block; margin-bottom:4px; }
.notice p { margin:0; color:#5d4f20; }

.section { padding: 34px 0; }
.section h2 { margin:0 0 14px; font-size:32px; line-height:1.15; letter-spacing:-.03em; }
.section-intro { margin:0 0 22px; color:var(--muted); max-width:780px; }
.cards { display:grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { padding: 22px; }
.card h3 { margin:0 0 9px; font-size:19px; }
.card p { margin:0; color:var(--muted); }

.steps { display:grid; grid-template-columns: repeat(4, 1fr); gap: 14px; counter-reset: step; }
.step { position:relative; padding:20px; background:var(--surface); border:1px solid var(--line); border-radius:16px; }
.step::before { counter-increment:step; content:counter(step); display:grid; place-items:center; width:30px; height:30px; border-radius:50%; background:var(--soft); color:var(--accent); font-weight:800; margin-bottom:12px; }
.step h3 { margin:0 0 7px; font-size:17px; }
.step p { margin:0; color:var(--muted); font-size:14px; }

.prose { max-width: 860px; }
.prose h2 { margin-top: 34px; }
.prose h3 { margin-top: 25px; }
.prose p, .prose li { color: var(--muted); }
.prose ul { padding-left: 22px; }
.prose .callout { padding:18px; border-left:4px solid var(--accent); background:var(--soft); border-radius:0 14px 14px 0; }

.ext-link { padding:22px; border:1px dashed #b8c3d1; border-radius:16px; background:#fbfcfe; }
.ext-link p { margin:0 0 8px; color:var(--muted); }

.footer { margin-top: 50px; border-top:1px solid var(--line); background:#fff; }
.footer-inner { display:grid; grid-template-columns: 1fr 1fr; gap:28px; padding:32px 0; }
.footer p, .footer li { margin:0; color:var(--muted); font-size:13px; }
.footer ul { list-style:none; padding:0; margin:8px 0 0; display:flex; flex-wrap:wrap; gap:14px; }
.legal-note { padding: 14px 0 28px; color: #778291; font-size: 12px; }

@media (max-width: 900px) {
  .grid-hero, .footer-inner { grid-template-columns: 1fr; }
  .cards { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .container { width:min(var(--max), calc(100% - 22px)); }
  .header-inner { align-items:flex-start; padding:12px 0; flex-direction:column; }
  .nav { gap: 10px 14px; justify-content:flex-start; }
  .hero { padding-top:42px; }
  .cards, .steps { grid-template-columns:1fr; }
  h1 { font-size:39px; }
}