:root{--bg:#F5F7FA;--card:#fff;--ink:#0D1B2A;--mut:#55657A;--line:#DCE2EA;--acc:#14396B;--accfg:#fff;--soft:#E9EEF6;--gold:#B7791F;box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px);color-scheme:light}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#0B1522;--card:#111F30;--ink:#E8EEF6;--mut:#9AAABD;--line:#243449;--acc:#8DB3EE;--accfg:#0B1522;--soft:#17283D;--gold:#E0A83C;color-scheme:dark}}
:root[data-theme="dark"]{--bg:#0B1522;--card:#111F30;--ink:#E8EEF6;--mut:#9AAABD;--line:#243449;--acc:#8DB3EE;--accfg:#0B1522;--soft:#17283D;--gold:#E0A83C;color-scheme:dark}
*,*:before,*:after{box-sizing:inherit}
html{scroll-padding-top:calc(env(safe-area-inset-top,0px) + 64px)}
body{margin:0;background:var(--bg);color:var(--ink);font:400 1rem/1.55 "Source Sans 3",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);background:var(--card);z-index:20}
.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:var(--card);border-bottom:1px solid var(--line)}
.bar{max-width:1040px;margin:0 auto;padding:12px 20px;display:flex;align-items:center;gap:12px;cursor:pointer}
.bar svg{flex:none}.bar svg rect{fill:var(--acc)}.bar svg path{stroke:var(--accfg)}.bar svg path.g{stroke:var(--gold)}.bar b em{font-style:normal;font-weight:500;color:var(--mut)}
.bar b{font:600 1.25rem "Source Serif 4",Georgia,serif;letter-spacing:-.01em}
.bar span{color:var(--mut);font-size:.9rem;padding-left:12px;border-left:1px solid var(--line)}
@media(max-width:600px){.bar span{display:none}}
.wrap{max-width:1040px;margin:0 auto;padding:32px 20px 56px}
h1,h2{font-family:"Source Serif 4",Georgia,serif;font-weight:600;letter-spacing:-.015em;color:var(--ink)}
h1{font-size:clamp(1.8rem,4.4vw,2.9rem);line-height:1.12;margin:0 0 12px}
.sec{font-size:1.45rem;margin:44px 0 16px}
.hero{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center;padding:20px 0 8px}
@media(max-width:820px){.hero{grid-template-columns:1fr;gap:28px}}
.lead,.sub{font-size:1.1rem;color:var(--mut);max-width:58ch;margin:0 0 22px}
.go{margin-top:18px;width:100%;font:inherit;font-weight:700;font-size:1.05rem;background:var(--acc);color:var(--accfg);border:0;border-radius:8px;padding:13px;cursor:pointer}
.go.cta{width:auto;margin:0;padding:12px 24px}
.go:focus-visible,.cc:focus-visible,.crumb:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--acc);outline-offset:2px}
.ex{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:22px}
.ex h2{font-size:1.1rem;margin:0 0 2px}.ex p{margin:0 0 12px;color:var(--mut);font-size:.88rem}
.ex .r{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px solid var(--line);font-size:.95rem}
.ex .t{display:flex;justify-content:space-between;align-items:baseline;padding-top:14px;font-weight:700}
.ex .t em{font:600 1.7rem "Source Serif 4",Georgia,serif;font-style:normal;color:var(--acc)}
.what{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
@media(max-width:820px){.what{grid-template-columns:1fr 1fr}}@media(max-width:520px){.what{grid-template-columns:1fr}}
.what li{border-top:3px solid var(--acc);padding-top:12px}.what b{display:block;margin-bottom:4px}.what span{color:var(--mut);font-size:.92rem}
.cg{display:grid;gap:14px;grid-template-columns:repeat(auto-fill,minmax(280px,1fr))}
.cc{position:relative;font:inherit;text-align:left;cursor:pointer;background:var(--card);color:var(--ink);border:1px solid var(--line);border-radius:10px;padding:18px 18px 18px 24px}
.cc:before{content:"";position:absolute;left:0;top:14px;bottom:14px;width:4px;border-radius:0 4px 4px 0;background:var(--gold)}
.cc:hover{border-color:var(--acc)}
.cc b{display:block;font:600 1.15rem "Source Serif 4",Georgia,serif;margin-bottom:3px}
.cc span{display:block;color:var(--mut);font-size:.9rem;padding-right:34px}
.cc i{position:absolute;top:16px;right:16px;font-style:normal;font-size:.78rem;font-weight:700;color:var(--acc);background:var(--soft);padding:2px 8px;border-radius:6px}
.steps{margin:0;padding:0;list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:s}
@media(max-width:700px){.steps{grid-template-columns:1fr}}
.steps li{counter-increment:s;padding-left:46px;position:relative}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--acc);color:var(--accfg);font-weight:700;display:grid;place-items:center}
.steps b{display:block}.steps span{color:var(--mut);font-size:.92rem}
.crumb{font:inherit;background:none;border:0;color:var(--acc);font-weight:600;cursor:pointer;padding:0;margin-bottom:12px}
.grid{display:grid;gap:20px;grid-template-columns:1fr 1.1fr;align-items:start}
@media(max-width:760px){.grid{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:22px}
label{display:block;font-weight:600;font-size:.92rem;margin:14px 0 5px}
label:first-child{margin-top:0}
input,select{width:100%;font:inherit;color:var(--ink);background:var(--bg);border:1px solid var(--line);border-radius:8px;padding:10px 12px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.chk{display:flex;gap:10px;align-items:center;font-weight:400;margin-top:14px}.chk input{width:auto}
.hint{color:var(--mut);font-size:.82rem;margin:4px 0 0}
.tot{background:var(--acc);color:var(--accfg);border-radius:10px;padding:20px 22px;margin-bottom:14px}
.tot small{display:block;opacity:.85}
.tot strong{font:600 clamp(1.9rem,5vw,2.6rem)/1.15 "Source Serif 4",Georgia,serif}
.it{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-bottom:1px solid var(--line)}
.it:last-child{border:0}.it b{font-weight:600}.it span{display:block;color:var(--mut);font-size:.82rem}.it em{font-style:normal;font-weight:700;white-space:nowrap}
.err{color:#b3261e;font-weight:600}
@media(prefers-color-scheme:dark){:root:not([data-theme="light"]) .err{color:#ff9b93}}
.legal{margin-top:22px;color:var(--mut);font-size:.84rem;max-width:80ch}.legal p{margin:0 0 8px}
.foot{border-top:1px solid var(--line);background:var(--card)}.foot div{max-width:1040px;margin:0 auto;padding:22px 20px;color:var(--mut);font-size:.86rem}
a.cc{display:block;text-decoration:none}a.crumb{display:inline-block;text-decoration:none}a.bar{text-decoration:none;color:inherit}a.cc:focus-visible,a.crumb:focus-visible,a.bar:focus-visible{outline:3px solid var(--acc);outline-offset:2px}.foot nav{display:flex;flex-wrap:wrap;gap:6px 18px;margin-top:10px}.foot a{color:var(--acc);font-weight:600;text-decoration:none}
.prose{max-width:70ch}.prose h2{font-size:1.25rem;margin:30px 0 8px}.prose p,.prose li{color:var(--ink)}.prose ul{padding-left:20px}.prose a{color:var(--acc);font-weight:600}