:root{color-scheme:light;--blue:#1757c7;--blue2:#0e3684;--navy:#15223c;--green:#16784a;--mint:#e7f5ed;--text:#263650;--muted:#60708a;--line:#dae3f2;--pale:#f3f7fd;--white:#fff}
    *,*::before,*::after{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;background:var(--pale);color:var(--text);font:16px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif}
    a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}a:focus-visible,summary:focus-visible{outline:3px solid #7bc8a4;outline-offset:4px;border-radius:5px}
    .wrap{width:min(1120px,calc(100% - 40px));margin:0 auto}
    .skip{position:absolute;left:-10000px;top:10px;background:white;padding:8px;z-index:10}.skip:focus{left:10px}
    .topbar{background:#fff;border-bottom:1px solid var(--line)}
    .topbar-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:17px 0}
    .brand{display:flex;align-items:center;gap:12px;color:var(--navy);font-size:18px;font-weight:800;letter-spacing:-.4px}
    .brand:hover{text-decoration:none}.logo{display:grid;place-items:center;width:43px;height:43px;border-radius:12px;color:#fff;background:linear-gradient(145deg,#3177e5,#124aaf);font-size:23px;box-shadow:0 5px 15px #1757c729}
    .top-links{display:flex;align-items:center;gap:22px;font-size:14px;font-weight:650}.top-links a{color:#385072}
    .hero{position:relative;overflow:hidden;background:linear-gradient(125deg,#0c2d78 0%,#1757c7 66%,#256fda 100%);color:#fff;padding:83px 0 91px}
    .hero::after{content:"";position:absolute;right:-125px;top:-170px;width:520px;height:520px;border:1px solid #ffffff2b;border-radius:50%;box-shadow:0 0 0 80px #ffffff0a,0 0 0 155px #ffffff08;pointer-events:none}
    .eyebrow{display:inline-flex;gap:7px;align-items:center;border:1px solid #ffffff55;background:#ffffff17;border-radius:100px;padding:5px 13px;font-size:12px;font-weight:800;letter-spacing:1.2px;text-transform:uppercase}
    .hero h1{max-width:770px;margin:21px 0 15px;font-size:clamp(34px,5vw,57px);line-height:1.12;letter-spacing:-1.8px}
    .hero p{max-width:670px;font-size:19px;color:#dfebff;margin:0 0 28px}
    .hero-actions{display:flex;gap:12px;flex-wrap:wrap}
    .button{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:11px;font-weight:750;font-size:15px;border:1px solid transparent;transition:transform .15s,background .15s}
    .button:hover{transform:translateY(-1px);text-decoration:none}
    .button-light{background:#fff;color:#164ba7}.button-outline{background:#ffffff12;color:#fff;border-color:#ffffff70}.button-outline:hover{background:#ffffff23}
    .main{padding:45px 0 70px}
    .section-title{margin:0;color:var(--navy);font-size:clamp(24px,3vw,31px);line-height:1.2;letter-spacing:-.7px}
    .section-intro{color:var(--muted);margin:10px 0 24px;max-width:740px}
    .grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px}
    .card{background:var(--white);border:1px solid var(--line);border-radius:17px;padding:25px;box-shadow:0 9px 25px #1f44700b}
    .feature-icon{display:grid;place-items:center;width:45px;height:45px;margin-bottom:17px;color:#164ba7;background:#e9f0ff;border-radius:12px;font-size:23px}
    .card h3{color:var(--navy);margin:0 0 8px;font-size:19px;line-height:1.35}.card p{color:var(--muted);margin:0;font-size:15px}
    .section{margin-top:53px;scroll-margin-top:20px}
    .help-panel{display:grid;grid-template-columns:1.15fr .85fr;gap:26px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:20px;padding:33px;box-shadow:0 9px 25px #1f44700b}
    .help-panel p{color:var(--muted);max-width:600px}.help-panel .small{font-size:13px;margin-top:16px}
    .contact-card{background:linear-gradient(135deg,#e8f6ee,#f4fbf6);border:1px solid #c5e9d5;border-radius:15px;padding:22px}
    .contact-card strong{display:block;color:#124d32;margin-bottom:4px}.contact-card a{font-weight:800;color:#11683c;overflow-wrap:anywhere}
    .steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
    .step{position:relative;background:#fff;border:1px solid var(--line);border-radius:15px;padding:23px}.step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:35px;height:35px;background:#e7effe;border-radius:50%;font-weight:850;color:var(--blue);margin-bottom:12px}.step strong{display:block;color:var(--navy);margin-bottom:6px}.step p{font-size:14px;color:var(--muted);margin:0}
    .faq{display:grid;gap:10px}.faq details{background:#fff;border:1px solid var(--line);border-radius:13px;padding:0 20px}.faq summary{list-style:none;cursor:pointer;font-weight:750;color:var(--navy);padding:17px 22px 17px 0;position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";position:absolute;right:1px;font-size:24px;line-height:1;color:var(--blue);top:17px}.faq details[open] summary::after{content:"−"}.faq details p{margin:0;padding:0 25px 18px 0;color:var(--muted);font-size:15px}
    .notices{display:grid;grid-template-columns:1fr 1fr;gap:17px}.notice{background:#fff;border:1px solid var(--line);border-left:4px solid var(--green);padding:24px;border-radius:13px}.notice.warning{border-left-color:#ca8131}.notice h3{margin:0 0 7px;color:var(--navy);font-size:18px}.notice p{color:var(--muted);font-size:15px;margin:0}
    footer{border-top:1px solid var(--line);background:#fff;padding:27px 0;color:#64738b;font-size:14px}.footer-inner{display:flex;align-items:center;justify-content:space-between;gap:15px;flex-wrap:wrap}.footer-links{display:flex;gap:20px;flex-wrap:wrap}
    @media(max-width:850px){.grid,.steps{grid-template-columns:repeat(2,minmax(0,1fr))}.help-panel{grid-template-columns:1fr}}
    @media(max-width:580px){.wrap{width:min(100% - 28px,1120px)}.top-links{gap:12px;font-size:12px}.top-links a:first-child{display:none}.hero{padding:59px 0 65px}.hero p{font-size:16px}.grid,.steps,.notices{grid-template-columns:1fr}.help-panel{padding:23px}.section{margin-top:40px}.card{padding:21px}.brand{font-size:16px}}
    @media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}}
    .brand-voice{color:#1757c7}
    .contact-helper{margin:8px 0 14px;color:#3d6e54;font-size:14px}
    .contact-action{background:#157a49;color:#fff;padding:11px 17px}