:root{--bg:#f6f8fb;--card:#ffffff;--text:#0b1220;--muted:#4b5565;--brand:#0a66c2;--brand2:#0ea5e9;--line:rgba(11,18,32,.10);--shadow:0 18px 60px rgba(0,0,0,.10);--radius:18px;--max:1200px}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:linear-gradient(180deg,#ffffff 0%,#f6f8fb 100%);color:var(--text);line-height:1.6}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:var(--max);margin:0 auto;padding:20px}
.topbar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;max-width:var(--max);margin:0 auto;padding:12px 20px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;letter-spacing:.2px}
.brand .dot{width:10px;height:10px;border-radius:999px;background:linear-gradient(135deg,var(--brand),var(--brand2))}
.navlinks{display:flex;flex-wrap:wrap;gap:10px;align-items:center}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:10px 14px;border-radius:999px;border:1px solid var(--line);background:#fff;box-shadow:0 6px 18px rgba(0,0,0,.06);font-weight:700}
.btn.primary{background:linear-gradient(135deg,var(--brand),var(--brand2));color:#fff;border-color:transparent}
.hero{padding:26px 0}
.heroGrid{display:grid;grid-template-columns:1.2fr .8fr;gap:18px;align-items:stretch}
@media (max-width:920px){.heroGrid{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.kpi{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:12px}
@media (max-width:920px){.kpi{grid-template-columns:1fr}}
.kpi div{border:1px solid var(--line);border-radius:14px;padding:10px;background:#fff}
.h1{font-size:38px;line-height:1.15;margin:0 0 8px}
.muted{color:var(--muted)}
.badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.badge{font-size:12px;font-weight:800;border:1px solid var(--line);border-radius:999px;padding:6px 10px;background:#fff}
.section{padding:16px 0}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:920px){.grid2{grid-template-columns:1fr}}
.hr{height:1px;background:var(--line);margin:14px 0}
.table{width:100%;border-collapse:collapse;overflow:hidden;border-radius:14px;border:1px solid var(--line)}
.table th,.table td{padding:10px;border-bottom:1px solid var(--line);vertical-align:top}
.table th{text-align:left;background:#f1f5ff}
.table tr:last-child td{border-bottom:none}
.faq details{border:1px solid var(--line);border-radius:14px;padding:12px;background:#fff}
.faq summary{cursor:pointer;font-weight:800}
.footer{margin-top:22px;border-top:1px solid var(--line);background:#fff}
.footer .cols{display:grid;grid-template-columns:1.2fr .8fr;gap:14px;padding:18px 0}
@media (max-width:920px){.footer .cols{grid-template-columns:1fr}}
.small{font-size:13px}
.links{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
@media (max-width:920px){.links{grid-template-columns:repeat(2,1fr)}}
.pill{display:inline-block;border:1px solid var(--line);border-radius:999px;padding:6px 10px;background:#fff;font-size:12px;font-weight:700}
.notice{border-left:5px solid var(--brand2);padding:10px 12px;border-radius:12px;background:#f2fbff;border:1px solid rgba(14,165,233,.25)}