:root {
    --primary: #254290;
    --black: #111111;
    --dark: #1C1C1C;
    --mid: #2B2B2B;
    --light: #F5F5F5;
    --white: #ffffff;
    --shadow: 0 16px 42px rgba(17,17,17,.10);
    --radius: 18px;
}
* { box-sizing: border-box; }
body {
    margin: 0;
    font-family: Arial, Helvetica, sans-serif;
    color: var(--black);
    background: var(--light);
    line-height: 1.7;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
header, .site-header {
    background: var(--primary);
    color: var(--white);
    position: sticky;
    top: 0;
    z-index: 20;
    box-shadow: 0 8px 24px rgba(17,17,17,.14);
}
.container { width: min(1120px, calc(100% - 32px)); margin: 0 auto; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 14px 0; flex-wrap: wrap; }
.logo { display: flex; align-items: center; gap: 10px; font-weight: 800; letter-spacing: .5px; }
.logo img { width: 42px; height: 42px; object-fit: contain; border-radius: 12px; background: rgba(255,255,255,.16); }
nav, .desktop-nav, .mobile-nav { display: flex; align-items: center; gap: 10px; }
nav a { padding: 9px 12px; border-radius: 999px; font-weight: 700; font-size: 14px; }
nav a:hover { background: rgba(255,255,255,.18); }
.desktop-nav { display: none; }
.mobile-nav { width: 100%; justify-content: space-between; background: rgba(255,255,255,.10); border-radius: 16px; padding: 6px; }
.hero, .banner { background: linear-gradient(135deg, #ffffff 0%, #eef3ff 56%, rgba(37,66,144,.16) 100%); padding: 42px 0; }
.hero-grid { display: grid; gap: 28px; align-items: center; }
.eyebrow { display: inline-flex; align-items: center; background: rgba(37,66,144,.10); color: var(--primary); border-radius: 999px; padding: 7px 12px; font-weight: 800; font-size: 13px; }
h1 { font-size: clamp(30px, 8vw, 58px); line-height: 1.08; margin: 14px 0 18px; color: var(--black); }
h2 { font-size: clamp(24px, 4vw, 36px); line-height: 1.2; margin: 0 0 14px; }
h3 { margin: 0 0 10px; font-size: 20px; }
p { margin: 0 0 14px; }
section { padding: 36px 0; }
.section-title { max-width: 760px; margin-bottom: 22px; }
.grid { display: grid; gap: 18px; }
.card { background: var(--white); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow); border: 1px solid rgba(17,17,17,.06); }
.card strong { color: var(--primary); }
.tags { display: flex; flex-wrap: wrap; gap: 10px; margin: 18px 0; }
.tag { background: rgba(37,66,144,.10); color: var(--primary); border: 1px solid rgba(37,66,144,.16); border-radius: 999px; padding: 8px 12px; font-weight: 700; font-size: 14px; }
.btn { display: inline-flex; align-items: center; justify-content: center; background: var(--primary); color: var(--white); border: 0; border-radius: 999px; padding: 13px 20px; font-weight: 800; box-shadow: 0 12px 28px rgba(37,66,144,.24); transition: transform .2s ease, box-shadow .2s ease; }
.btn:hover { transform: translateY(-2px); box-shadow: 0 16px 34px rgba(37,66,144,.30); }
.notice { background: #fff; border-left: 5px solid var(--primary); border-radius: var(--radius); padding: 18px; box-shadow: var(--shadow); }
.notice strong { color: var(--primary); }
.faq { display: grid; gap: 14px; }
.faq-item { background: var(--white); border-radius: var(--radius); padding: 18px; box-shadow: var(--shadow); }
.faq-item h3 { color: var(--primary); }
.steps { counter-reset: step; display: grid; gap: 14px; }
.step { position: relative; padding-left: 58px; }
.step:before { counter-increment: step; content: counter(step); position: absolute; left: 0; top: 0; width: 38px; height: 38px; border-radius: 50%; background: var(--primary); color: #fff; display: grid; place-items: center; font-weight: 800; }
.footer { background: var(--primary); color: var(--white); padding: 34px 0 18px; margin-top: 34px; }
.footer-grid { display: grid; gap: 22px; }
.footer a { display: block; margin: 7px 0; color: var(--white); opacity: .95; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.24); margin-top: 22px; padding-top: 16px; font-size: 14px; opacity: .95; }
.link-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 14px; }
.link-row a { color: var(--primary); font-weight: 800; }
.safe-list { padding-left: 18px; margin: 0; }
.safe-list li { margin-bottom: 8px; }
.app-card { background: #fff; border-radius: 28px; padding: 18px; box-shadow: var(--shadow); }
@media (min-width: 768px) {
    .desktop-nav { display: flex; }
    .mobile-nav { display: none; }
    .hero, .banner { padding: 72px 0; }
    .hero-grid { grid-template-columns: 1.15fr .85fr; }
    .grid.two { grid-template-columns: repeat(2, 1fr); }
    .grid.three { grid-template-columns: repeat(3, 1fr); }
    .footer-grid { grid-template-columns: 1.4fr .8fr 1fr; }
}
@media (min-width: 1024px) {
    section { padding: 54px 0; }
    .grid.four { grid-template-columns: repeat(4, 1fr); }
    .card { padding: 26px; }
}