:root {
  --bg: #f7f8fb;
  --surface: #ffffff;
  --text: #18202f;
  --muted: #5c6678;
  --brand: #2457ff;
  --brand-dark: #183bb4;
  --line: #e4e8f0;
  --soft: #eef3ff;
  --max: 1120px;
  --radius: 18px;
  --shadow: 0 18px 45px rgba(24,32,47,.08);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
}
a { color: var(--brand); text-decoration: none; }
a:hover { color: var(--brand-dark); text-decoration: underline; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--brand); color: #fff; padding: 8px 12px; z-index: 99; border-radius: 8px; }
.skip-link:focus { left: 8px; }
.site-header { background: rgba(255,255,255,.92); border-bottom: 1px solid var(--line); position: sticky; top: 0; backdrop-filter: blur(10px); z-index: 10; }
.nav-wrap { max-width: var(--max); margin: 0 auto; padding: 14px 22px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo { display: flex; align-items: center; gap: 10px; color: var(--text); font-weight: 800; letter-spacing: -.03em; font-size: 1.18rem; }
.logo-mark { width: 34px; height: 34px; border-radius: 10px; display: inline-grid; place-items: center; color: #fff; background: linear-gradient(135deg, var(--brand), #6e8cff); font-weight: 900; }
.main-nav { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; font-size: .95rem; }
.main-nav a { color: var(--text); font-weight: 600; }
.main-nav a:hover { color: var(--brand); text-decoration: none; }
.hero { max-width: var(--max); margin: 0 auto; padding: 70px 22px 48px; display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(260px, .9fr); gap: 34px; align-items: center; }
.hero-card, .card, .article, .policy-box { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.hero h1 { font-size: clamp(2.2rem, 5vw, 4.4rem); line-height: 1.03; margin: 0 0 18px; letter-spacing: -.055em; }
.hero p { font-size: 1.12rem; color: var(--muted); margin: 0 0 24px; }
.hero-card { padding: 28px; }
.hero-card h2 { margin-top: 0; font-size: 1.35rem; }
.hero-card ul { padding-left: 20px; color: var(--muted); }
.cta-row { display: flex; gap: 12px; flex-wrap: wrap; }
.button { display: inline-block; padding: 12px 17px; border-radius: 999px; font-weight: 750; background: var(--brand); color: #fff; border: 1px solid var(--brand); }
.button:hover { color: #fff; background: var(--brand-dark); text-decoration: none; }
.button.secondary { background: #fff; color: var(--brand); border-color: var(--line); }
.button.secondary:hover { background: var(--soft); color: var(--brand-dark); }
.section { max-width: var(--max); margin: 0 auto; padding: 34px 22px; }
.section-head { display: flex; justify-content: space-between; align-items: end; gap: 20px; margin-bottom: 18px; }
.section h2 { margin: 0 0 8px; font-size: clamp(1.55rem, 3vw, 2.25rem); letter-spacing: -.035em; }
.section p.lead { margin: 0; color: var(--muted); max-width: 760px; }
.grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.card { padding: 22px; min-height: 100%; box-shadow: none; }
.card small, .eyebrow { color: var(--brand-dark); text-transform: uppercase; letter-spacing: .08em; font-weight: 800; font-size: .75rem; }
.card h3 { margin: 8px 0 8px; line-height: 1.25; font-size: 1.12rem; }
.card p { color: var(--muted); margin: 0 0 14px; }
.article-wrap { max-width: 880px; margin: 0 auto; padding: 42px 22px 60px; }
.article { padding: clamp(24px, 5vw, 48px); }
.article h1 { font-size: clamp(2rem, 5vw, 3.3rem); line-height: 1.07; letter-spacing: -.05em; margin: 8px 0 14px; }
.article h2 { margin-top: 34px; line-height: 1.25; letter-spacing: -.025em; }
.article h3 { margin-top: 24px; }
.article p, .article li { color: #354052; }
.article .meta { color: var(--muted); font-size: .94rem; border-bottom: 1px solid var(--line); padding-bottom: 18px; margin-bottom: 26px; }
.article table { width: 100%; border-collapse: collapse; margin: 18px 0; overflow: hidden; border-radius: 12px; }
.article th, .article td { border: 1px solid var(--line); padding: 12px; text-align: left; vertical-align: top; }
.article th { background: var(--soft); }
.notice { padding: 16px 18px; border-left: 4px solid var(--brand); background: var(--soft); border-radius: 12px; color: #27334a; }
.policy-box { padding: 22px; margin: 22px 0; box-shadow: none; }
.footer { border-top: 1px solid var(--line); background: #fff; margin-top: 36px; }
.footer-wrap { max-width: var(--max); margin: 0 auto; padding: 32px 22px; display: grid; grid-template-columns: 1.1fr .9fr .9fr; gap: 24px; }
.footer h3 { margin-top: 0; }
.footer p, .footer li { color: var(--muted); }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer li { margin-bottom: 8px; }
.breadcrumb { color: var(--muted); font-size: .92rem; margin-bottom: 16px; }
.contact-form { display: grid; gap: 12px; margin-top: 20px; }
.contact-form input, .contact-form textarea { width: 100%; padding: 13px 14px; border: 1px solid var(--line); border-radius: 12px; font: inherit; }
.contact-form textarea { min-height: 150px; }
.form-note { font-size: .92rem; color: var(--muted); }
@media (max-width: 840px) {
  .hero { grid-template-columns: 1fr; padding-top: 46px; }
  .grid { grid-template-columns: 1fr 1fr; }
  .footer-wrap { grid-template-columns: 1fr; }
  .nav-wrap { align-items: flex-start; flex-direction: column; }
}
@media (max-width: 560px) {
  .grid { grid-template-columns: 1fr; }
  .main-nav { gap: 12px; }
}