:root{--navy:#12264a;--navy2:#0d1d38;--teal:#14b8a6;--teal2:#0e9f8a;--bg:#f5f7fa;--card:#ffffff;--text:#0f172a;--mut:#5b6b82;--line:#e2e8f0;--r:24px;--sh:0 10px 30px rgba(15,23,42,.08)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
a{color:var(--teal2);text-decoration:none}
a:hover{text-decoration:underline}
.top{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.85);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.topin{max-width:1080px;margin:0 auto;padding:14px 20px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.logo{font-size:26px;font-weight:900;letter-spacing:2px;color:var(--navy)}
.logo .dot{color:var(--teal)}
.nav{display:flex;gap:18px;font-weight:700;font-size:14px}
.nav a{color:var(--text)}
.nav a:hover{color:var(--teal2);text-decoration:none}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px 64px}
.hero{padding:64px 0 32px;text-align:left}
.eyebrow{display:inline-block;background:#e6f7f4;color:#0b6b5e;border-radius:999px;padding:6px 14px;font-size:12px;font-weight:800;letter-spacing:.5px}
.hero h1{font-size:clamp(38px,6vw,64px);line-height:1.05;letter-spacing:-1px;margin:18px 0 12px;color:var(--navy)}
.hero h1 .teal{color:var(--teal2)}
.hero p{font-size:18px;color:var(--mut);max-width:680px;margin:0 0 24px}
.btn{display:inline-block;background:var(--navy);color:#ffffff;border-radius:999px;padding:14px 26px;font-weight:800;font-size:15px;border:0;cursor:pointer}
.btn:hover{background:var(--navy2);text-decoration:none}
.btn.teal{background:var(--teal2)}
.btn.teal:hover{background:#0c8a78}
.btn.ghost{background:#ffffff;color:var(--text);border:1px solid var(--line)}
.ctas{display:flex;gap:12px;flex-wrap:wrap}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px;margin-top:36px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--sh);transition:transform .25s ease,box-shadow .25s ease;display:flex;flex-direction:column}
.card:hover{transform:translateY(-5px);box-shadow:0 18px 40px rgba(15,23,42,.12)}
.card:hover a{color:var(--teal2)}
.ic{width:56px;height:56px;border-radius:16px;background:linear-gradient(135deg,var(--navy),var(--teal2));display:flex;align-items:center;justify-content:center;color:#ffffff;margin-bottom:14px}
.ic svg{width:28px;height:28px}
.card h2{margin:0 0 8px;font-size:22px;color:var(--navy)}
.card h2 a{color:var(--navy)}
.card p{color:var(--mut);margin:0 0 18px;flex:1}
.more{font-weight:800;color:var(--teal2)}
.sec{margin-top:56px}
.sec h2{font-size:30px;color:var(--navy);margin:0 0 10px}
.sec p{color:var(--mut);max-width:720px}
.note{background:#fffbeb;border:1px solid #fde68a;border-radius:16px;padding:16px 20px;color:#92400e;font-size:14px}
.detail{max-width:820px;margin:0 auto;padding:40px 20px 64px}
.detail h1{font-size:clamp(34px,5vw,52px);line-height:1.1;color:var(--navy);margin:14px 0 12px}
.detail .lead{font-size:18px;color:var(--mut)}
.detail h2{color:var(--navy);margin-top:36px}
.detail ul{padding-left:20px;color:var(--text)}
.detail li{margin:8px 0}
.back{font-weight:800;color:var(--teal2)}
.steps{display:grid;gap:12px;margin-top:12px}
.step{background:#ffffff;border:1px solid var(--line);border-radius:16px;padding:16px 20px}
.step b{color:var(--navy)}
.rel{display:flex;gap:10px;flex-wrap:wrap;margin-top:12px}
.rel a{background:#ffffff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-weight:700;color:var(--text)}
.foot{background:var(--navy);color:#dbe7ff;margin-top:40px}
.footin{max-width:1080px;margin:0 auto;padding:36px 20px}
.footin b{color:#ffffff}
.footin p{margin:6px 0;color:#dbe7ff}
@media(max-width:640px){.nav{display:none}.hero{padding:40px 0 20px}.btn{width:100%;text-align:center}.ctas{flex-direction:column}}