:root{
      --bg:#f4f9ff;
      --panel:#ffffff;
      --soft:#edf6ff;
      --line:#dbe8f5;
      --text:#12314d;
      --muted:#5e7690;
      --primary:#1f6feb;
      --primary-2:#72b8ff;
      --accent:#0ea5e9;
      --shadow:0 18px 50px rgba(18,49,77,.10);
      --radius-xl:28px;
      --radius-lg:20px;
      --radius-md:14px;
      --max:1160px;
    }

    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{
      margin:0;
      font-family:'Inter',Arial,sans-serif;
      background:linear-gradient(180deg,#f8fbff 0%, #eef6ff 100%);
      color:var(--text);
      line-height:1.75;
    }

    img{max-width:100%;display:block}
    a{color:var(--primary);text-decoration:none}
    a:hover{text-decoration:underline}

    .container{
      width:min(var(--max), calc(100% - 32px));
      margin:0 auto;
    }

    .hero{
      position:relative;
      overflow:hidden;
      padding:68px 0 44px;
      background:
        radial-gradient(circle at top right, rgba(114,184,255,.22), transparent 28%),
        linear-gradient(135deg,#f7fbff 0%, #eef6ff 55%, #e7f2ff 100%);
      border-bottom:1px solid #e4eef8;
    }

    .hero-grid{
      display:grid;
      grid-template-columns:1.15fr .85fr;
      gap:28px;
      align-items:center;
    }

    .eyebrow{
      display:inline-flex;
      align-items:center;
      gap:10px;
      background:#eaf4ff;
      color:#145189;
      border:1px solid #cfe2f5;
      border-radius:999px;
      padding:8px 14px;
      font-size:13px;
      font-weight:700;
      letter-spacing:.2px;
      margin-bottom:18px;
    }

    h1,h2,h3{
      margin:0 0 14px;
      line-height:1.15;
      letter-spacing:-.02em;
    }

    h1{
      font-family:'Playfair Display',serif;
      font-size:clamp(2.1rem,5vw,3.7rem);
      color:#0e2b46;
    }

    .lead{
      font-size:1.06rem;
      color:#4f6881;
      margin:18px 0 0;
      max-width:760px;
    }

    .hero-card{
      background:rgba(255,255,255,.85);
      backdrop-filter:blur(8px);
      border:1px solid #dbe8f5;
      border-radius:26px;
      box-shadow:var(--shadow);
      padding:22px;
    }

    .hero-card h3{
      font-size:1.08rem;
      color:#0f3d65;
      margin-bottom:12px;
    }

    .checklist{
      padding:0;
      margin:0;
      list-style:none;
      display:grid;
      gap:10px;
    }

    .checklist li{
      background:#f7fbff;
      border:1px solid #e1edf8;
      border-radius:14px;
      padding:12px 14px;
      color:#38566f;
      font-size:.96rem;
    }

    .section{
      padding:34px 0;
    }

    .section-card{
      background:var(--panel);
      border:1px solid var(--line);
      border-radius:var(--radius-xl);
      box-shadow:var(--shadow);
      padding:34px;
    }

    .section h2{
      font-family:'Playfair Display',serif;
      font-size:clamp(1.65rem,3vw,2.45rem);
      color:#0f2f4a;
      margin-bottom:14px;
    }

    .section p{
      margin:0 0 16px;
      color:var(--muted);
      font-size:1rem;
    }

    .grid-2{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:22px;
    }

    .grid-3{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:20px;
    }

    .info-box{
      background:linear-gradient(180deg,#fbfdff 0%, #f3f9ff 100%);
      border:1px solid #deebf7;
      border-radius:20px;
      padding:22px;
      height:100%;
    }

    .info-box h3{
      font-size:1.08rem;
      color:#125186;
      margin-bottom:10px;
    }

    .info-box p,
    .info-box li{
      color:#5a728b;
      font-size:.98rem;
    }

    .info-box ul{
      margin:10px 0 0 18px;
      padding:0;
    }

    .highlight{
      background:linear-gradient(135deg,#1f6feb,#6bb6ff);
      color:#fff;
      border:none;
    }

    .highlight h3,
    .highlight p,
    .highlight li,
    .highlight a{
      color:#fff;
    }

    .cta{
      background:linear-gradient(135deg,#0f4d82 0%, #78bcff 100%);
      border-radius:28px;
      padding:34px;
      box-shadow:var(--shadow);
      color:#fff;
    }

    .cta h2,
    .cta p{
      color:#fff;
    }

    .btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:48px;
      padding:0 20px;
      background:#fff;
      color:#115085;
      border-radius:999px;
      font-weight:700;
      border:1px solid rgba(255,255,255,.6);
      margin-top:10px;
    }

    .faq{
      display:grid;
      gap:14px;
      margin-top:18px;
    }

    details{
      background:#fbfdff;
      border:1px solid #dfebf7;
      border-radius:16px;
      padding:16px 18px;
    }

    summary{
      cursor:pointer;
      font-weight:700;
      color:#153e64;
      list-style:none;
    }

    summary::-webkit-details-marker{display:none}
    details p{
      margin:12px 0 0;
    }

    .note{
      margin-top:16px;
      padding:16px 18px;
      background:#eef7ff;
      border:1px solid #d4e6f7;
      border-radius:16px;
      color:#54708a;
      font-size:.95rem;
    }

    .footer{
      padding:18px 0 50px;
      color:#6b839a;
      font-size:.93rem;
    }

    @media (max-width: 980px){
      .hero-grid,
      .grid-2,
      .grid-3{
        grid-template-columns:1fr;
      }

      .hero{
        padding:48px 0 28px;
      }

      .section-card,
      .cta{
        padding:24px;
      }
    }

    @media (max-width: 640px){
      .container{
        width:min(var(--max), calc(100% - 20px));
      }

      .hero-card{
        padding:18px;
      }

      .section{
        padding:22px 0;
      }

      .section p,
      .info-box p,
      .info-box li{
        font-size:.97rem;
      }
    }