:root{
    --brand:#1F3F86;          /* primary — site main colour */
    --brand-700:#18336E;
    --brand-600:#2B54A6;
    --brand-300:#8FA9DC;
    --brand-050:#EDF2FB;
    --accent:#C9A227;          /* sparing warm accent */
    --accent-050:#FBF4E0;
    --ok:#1E7F62;
    --ink:#152340;
    --muted:#54637E;           /* slightly darker for comfortable reading */
    --line:#D9E2F1;
    --bg:#F5F7FC;
    --card:#FFFFFF;
    --radius:14px;
    --shadow:0 1px 2px rgba(21,35,64,.06), 0 10px 28px rgba(31,63,134,.08);
    --maxw:1140px;
  }
  *,*::before,*::after{box-sizing:border-box}
  html{-webkit-text-size-adjust:100%;font-size:18px}   /* scales all rem-based text up */
  body{
    margin:0;background:var(--bg);color:var(--ink);
    font:18px/1.75 "Segoe UI",Roboto,"Helvetica Neue","Microsoft YaHei",Arial,sans-serif;
    font-size:1.0625rem;                                  /* ~19px comfortable reading size */
  }
  h1,h2,h3{line-height:1.28;margin:0 0 .5em}
  h2{font-size:clamp(1.45rem,2.8vw,1.95rem);color:var(--brand);letter-spacing:-.01em}
  h3{font-size:1.12rem;color:var(--ink)}
  p{margin:0 0 1em}
  a{color:var(--brand-600);text-underline-offset:2px}
  a:focus-visible,summary:focus-visible,.btn:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:6px}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
  .sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
  .btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;font-weight:600;font-size:1rem;padding:12px 22px;border-radius:999px;border:1px solid var(--brand);transition:.18s}
  .btn:hover{background:var(--brand-700)}

  /* ---------- hero ---------- */
  .hero{background:
      radial-gradient(1100px 420px at 88% -12%,rgba(201,162,39,.20),transparent 60%),
      linear-gradient(160deg,var(--brand) 0%,var(--brand-700) 58%,#122A5C 100%);
    color:#fff;padding:54px 0 56px}
  .hero h1{font-size:clamp(2rem,4.6vw,2.95rem);color:#fff;letter-spacing:-.02em}
  .hero .lede{font-size:1.12rem;line-height:1.75;color:#DCE5F8;max-width:66ch;margin:0}
  .hero-facts{display:flex;gap:28px;flex-wrap:wrap;margin-top:32px;padding-top:24px;border-top:1px solid rgba(255,255,255,.22)}
  .hero-facts div{min-width:126px}
  .hero-facts b{display:block;font-size:1.5rem;color:#fff}
  .hero-facts small{color:#C6D3EE;font-size:.94rem}

  /* ---------- sections ---------- */
  main{padding:0 0 8px}
  section{padding:48px 0;border-bottom:1px solid var(--line)}
  section:last-of-type{border-bottom:0}
  .sec-sub{color:var(--muted);font-size:1.06rem;line-height:1.72;max-width:74ch;margin-bottom:26px}
  .kicker{display:inline-block;background:var(--accent-050);color:#8A6D12;border:1px solid #EBD9A6;font-size:.83rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:5px 12px;border-radius:999px;margin-bottom:14px}

  /* ---------- steps ---------- */
  .steps{list-style:none;margin:0;padding:0;display:grid;gap:16px}
  .steps li{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--brand);border-radius:var(--radius);padding:20px 22px;box-shadow:var(--shadow);display:grid;grid-template-columns:50px 1fr;gap:18px;align-items:start}
  .steps .num{width:50px;height:50px;border-radius:12px;background:var(--brand-050);color:var(--brand);font-weight:800;display:grid;place-items:center;font-size:1.12rem;border:1px solid #D5E0F5}
  .steps h3{margin-bottom:.3em;font-size:1.15rem}
  .steps p{margin:0;color:var(--muted);font-size:1.02rem;line-height:1.72}
  .steps .meta{margin-top:10px;font-size:.96rem;color:var(--brand-600);background:var(--brand-050);border:1px dashed #C9D8F2;border-radius:8px;padding:8px 12px;display:inline-block}

  /* ---------- table ---------- */
  .tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}
  table{border-collapse:collapse;width:100%;min-width:660px;font-size:1.02rem}
  caption{text-align:left;padding:16px 20px 0;color:var(--muted);font-size:.96rem}
  th,td{padding:15px 20px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top;line-height:1.7}
  thead th{background:var(--brand);color:#fff;font-size:.98rem;letter-spacing:.02em;font-weight:700;position:sticky;top:0}
  tbody tr:nth-child(even){background:#FAFCFF}
  tbody tr:hover{background:var(--brand-050)}
  td:first-child{font-weight:600;color:var(--brand);width:30%}

  /* ---------- chips ---------- */
  .chips{display:flex;flex-wrap:wrap;gap:12px;margin:0;padding:0;list-style:none}
  .chips li{background:#fff;border:1px solid #C9D8F2;color:var(--brand);border-radius:999px;padding:10px 18px;font-size:1rem;font-weight:600}
  .chips li.hl{background:var(--accent-050);border-color:#EBD9A6;color:#8A6D12}

  /* ---------- checklist ---------- */
  .check{display:grid;gap:14px 28px;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));margin:0;padding:0;list-style:none}
  .check li{display:grid;grid-template-columns:24px 1fr;gap:12px;background:#fff;border:1px solid var(--line);border-radius:11px;padding:15px 18px;font-size:1.02rem;line-height:1.7;box-shadow:0 1px 2px rgba(21,35,64,.04)}
  .check svg{width:22px;height:22px;margin-top:4px;color:var(--ok);flex:none}
  .check b{color:var(--ink)}

  /* ---------- trust ---------- */
  /* two landscape cards per row */
  .trust{display:grid;gap:18px 20px;grid-template-columns:repeat(2,minmax(0,1fr))}
  .trust .item{background:#fff;border:1px solid var(--line);border-left:4px solid var(--brand);border-radius:var(--radius);padding:22px 24px;box-shadow:var(--shadow)}
  .trust .item h3{color:var(--brand);font-size:1.1rem;display:flex;align-items:center;gap:8px}
  .trust .item ul{margin:10px 0 0;padding-left:20px;color:var(--muted);font-size:1.02rem;line-height:1.7}
  .trust .item li{margin-bottom:6px}

  /* ---------- contact ---------- */
  .contact{background:linear-gradient(150deg,#fff,var(--brand-050));border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);display:grid;gap:24px;grid-template-columns:1.15fr .85fr}
  .contact dl{margin:0;display:grid;grid-template-columns:max-content 1fr;gap:10px 18px;font-size:1.04rem;line-height:1.7}
  .contact dt{color:var(--muted)}
  .contact dd{margin:0;font-weight:600}
  .contact .aside{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}
  .contact .aside h3{margin-bottom:.4em}
  .contact .aside p{font-size:1.02rem;line-height:1.7;color:var(--muted)}

  /* ---------- faq ---------- */
  .faq{display:grid;gap:14px}
  details{background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);overflow:hidden}
  details[open]{border-color:var(--brand-300)}
  summary{cursor:pointer;list-style:none;padding:18px 56px 18px 22px;font-weight:600;color:var(--brand);position:relative;font-size:1.1rem;line-height:1.6}
  summary::-webkit-details-marker{display:none}
  summary::after{content:"";position:absolute;right:22px;top:50%;width:10px;height:10px;border-right:2.5px solid var(--brand);border-bottom:2.5px solid var(--brand);transform:translateY(-70%) rotate(45deg);transition:.2s}
  details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
  summary:hover{background:var(--brand-050)}
  .answer{padding:0 22px 20px;color:var(--muted);font-size:1.04rem;line-height:1.75}

  @media (max-width:820px){
    html{font-size:17px}
    .contact{grid-template-columns:1fr}
    .trust{grid-template-columns:1fr}
    .steps li{grid-template-columns:42px 1fr}
    .steps .num{width:42px;height:42px}
  }
  @media print{
    body{background:#fff}
    section{page-break-inside:avoid}
  }