:root{--obs:#080D18;--text:#1A2540;--text2:#3D4F72;--text3:#6B7DA0;--border:rgba(26,37,64,0.09);--surface:#F7F9FD;--white:#fff;--acc:#1B4FE8;--acc-l:#E8EFFE;--acc-mid:#7CA0F8;--g1:#1B4FE8;--g2:#F97316;--shadow:0 1px 3px rgba(8,13,24,0.06),0 4px 16px rgba(8,13,24,0.06);--shadow2:0 2px 8px rgba(8,13,24,0.08),0 16px 48px rgba(8,13,24,0.10)}
body.i40{--acc:#C2410C;--acc-l:#FFF1E6;--acc-mid:#FDBA74;--g1:#EA580C;--g2:#2563EB}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
body{font-family:'DM Sans',sans-serif;background:var(--surface);color:var(--text);font-size:14.5px;line-height:1.72}
a{color:var(--acc)}a:hover{color:var(--text)}
.hero{background:var(--obs);padding:84px 48px 76px;position:relative;overflow:hidden}
.orb{position:absolute;border-radius:50%;pointer-events:none}
.orb1{width:560px;height:560px;background:radial-gradient(circle,color-mix(in oklab,var(--g1) 18%,transparent) 0%,transparent 68%);top:-190px;right:-70px}
.orb2{width:380px;height:380px;background:radial-gradient(circle,color-mix(in oklab,var(--g2) 12%,transparent) 0%,transparent 68%);bottom:-130px;left:4%}
.w{max-width:1120px;margin:0 auto;position:relative}
.hero h1{font-family:'Fraunces',serif;font-size:clamp(32px,4.6vw,56px);font-weight:600;color:#fff;line-height:1.1;max-width:860px;margin-bottom:18px;letter-spacing:-0.015em;text-wrap:balance}
.hero h1 em{font-style:italic;color:var(--acc-mid)}
.hero-sub{font-size:16.5px;color:rgba(255,255,255,0.62);max-width:660px;line-height:1.7;margin-bottom:34px;text-wrap:pretty}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap}
.btn-g{display:inline-flex;align-items:center;background:linear-gradient(90deg,var(--g1),var(--g2));color:#fff;font-size:14px;font-weight:700;padding:14px 28px;border-radius:100px;text-decoration:none;transition:opacity .2s,transform .2s}
.btn-g:hover{opacity:.9;transform:translateY(-1px);color:#fff}
.btn-o{display:inline-flex;align-items:center;border:1px solid rgba(255,255,255,0.22);color:rgba(255,255,255,0.88);font-size:14px;font-weight:600;padding:14px 28px;border-radius:100px;text-decoration:none;transition:background .2s}
.btn-o:hover{background:rgba(255,255,255,0.08);color:#fff}
.chips{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}
.chip{font-size:12px;font-weight:500;padding:6px 16px;border-radius:100px;border:1px solid rgba(255,255,255,0.14);color:rgba(255,255,255,0.68)}
.page{max-width:1120px;margin:0 auto;padding:0 36px 72px}
.section{padding:64px 0 0}
.label{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:0.15em;color:var(--acc);margin-bottom:10px}
h2.sh{font-family:'Fraunces',serif;font-size:clamp(26px,3vw,36px);font-weight:500;letter-spacing:-0.015em;line-height:1.2;margin-bottom:14px;text-wrap:balance}
.lead{font-size:15px;color:var(--text2);line-height:1.78;max-width:760px;text-wrap:pretty}
.two{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin-top:32px}
.card{background:var(--white);border:1px solid var(--border);border-radius:18px;padding:30px 34px;box-shadow:var(--shadow)}
.card.dark{background:linear-gradient(135deg,#0A0E1A,#13213F);border-color:rgba(255,255,255,0.08)}
.card .cl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:0.12em;color:var(--acc);margin-bottom:12px}
.card.dark .cl{color:var(--acc-mid)}
.card p{font-size:14px;color:var(--text2);line-height:1.75}
.card.dark p{color:rgba(255,255,255,0.72)}
.card p+p{margin-top:12px}
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:32px}
.grid.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.item{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:24px 26px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:8px;transition:box-shadow .2s,transform .2s;text-decoration:none;color:inherit}
.item:hover{box-shadow:var(--shadow2);transform:translateY(-2px);color:inherit}
.item .n{font-size:11px;font-weight:800;color:var(--acc);letter-spacing:0.08em}
.item .t{font-size:15px;font-weight:700;color:var(--text)}
.item .d{font-size:13px;color:var(--text3);line-height:1.65}
.item .go{font-size:12.5px;font-weight:700;color:var(--acc);margin-top:auto;padding-top:6px}
.steps{margin-top:32px;border:1px solid var(--border);border-radius:18px;overflow:hidden;background:var(--white);box-shadow:var(--shadow)}
.step{display:grid;grid-template-columns:64px minmax(0,1fr);border-bottom:1px solid var(--border)}
.step:last-child{border-bottom:none}
.step .sn{display:flex;justify-content:center;padding:24px 0;border-right:1px solid var(--border)}
.step .sn span{width:32px;height:32px;border-radius:50%;background:var(--acc-l);color:var(--acc);font-size:13px;font-weight:800;display:flex;align-items:center;justify-content:center}
.step .sb{padding:22px 28px}
.step .st{font-size:14.5px;font-weight:700;margin-bottom:4px}
.step .sd{font-size:13px;color:var(--text3);line-height:1.65}
.tbl{margin-top:32px;border:1px solid var(--border);border-radius:18px;overflow:hidden;background:var(--white);box-shadow:var(--shadow)}
.tr{display:grid;grid-template-columns:minmax(0,0.8fr) minmax(0,1fr) minmax(0,1fr);border-bottom:1px solid var(--border)}
.tr:last-child{border-bottom:none}
.tr>div{padding:16px 22px;font-size:13.5px;color:var(--text2);line-height:1.6}
.tr>div:first-child{font-weight:700;color:var(--text)}
.tr>div:last-child{background:color-mix(in oklab,var(--acc-l) 60%,white);color:var(--text)}
.tr.th>div{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:0.12em;color:var(--text3);background:var(--surface)}
.tr.th>div:last-child{color:var(--acc);background:var(--acc-l)}
.note{margin-top:22px;font-size:13.5px;color:var(--text2);background:var(--white);border:1px solid var(--border);border-radius:14px;padding:18px 22px}
.cta{background:linear-gradient(90deg,var(--g1),#0D1F6E);border-radius:18px;padding:40px 48px;margin-top:64px;display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
body.i40 .cta{background:linear-gradient(90deg,#C2410C,#1E293B)}
.cta h3{font-family:'Fraunces',serif;font-size:24px;font-weight:500;color:#fff;margin-bottom:8px}
.cta p{font-size:14px;color:rgba(255,255,255,0.75);max-width:540px;line-height:1.65}
.cta-btns{display:flex;flex-direction:column;gap:10px}
.btn-w{display:inline-flex;justify-content:center;background:#fff;color:var(--acc);font-size:14px;font-weight:700;padding:13px 28px;border-radius:100px;text-decoration:none}
.btn-w:hover{opacity:.92;color:var(--acc)}
.btn-wo{display:inline-flex;justify-content:center;border:1px solid rgba(255,255,255,0.3);color:#fff;font-size:14px;font-weight:600;padding:13px 28px;border-radius:100px;text-decoration:none}
.btn-wo:hover{background:rgba(255,255,255,0.1);color:#fff}
.foot{background:var(--obs);color:rgba(255,255,255,0.5);font-size:13px;padding:28px 36px}
.foot .w{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.foot nav{display:flex;gap:18px;flex-wrap:wrap}
.foot a{color:rgba(255,255,255,0.65);text-decoration:none}.foot a:hover{color:#fff}
@media(max-width:900px){.hero{padding:52px 24px 48px}.page{padding:0 20px 56px}.two,.grid,.grid.g2,.grid.g4{grid-template-columns:minmax(0,1fr)}.tr{grid-template-columns:minmax(0,1fr)}.cta{padding:32px 26px}}
@media(min-width:901px) and (max-width:1100px){.grid.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}