:root{--blue:#1F4E79;--blue-dark:#0E2F4F;--red:#B11226;--ink:#111;--soft:#333;--muted:#F2F4F7;--divider:#D9DEE5;--edge:clamp(20px,5vw,64px);--lead:28px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--ink);font-family:Arial,Helvetica,sans-serif}
a{color:var(--blue);text-underline-offset:3px}
a:focus-visible,button:focus-visible{outline:3px solid var(--red);outline-offset:3px}
.wrap{max-width:920px;margin:0 auto;padding:0 var(--edge)}
.topbar{border-bottom:2px solid var(--divider);position:sticky;top:0;background:#fff;z-index:10}
.topbar .wide{max-width:1200px;display:flex;align-items:center;gap:18px;padding:10px var(--edge);margin:0 auto}
.topbar img{height:58px;width:auto;display:block;mix-blend-mode:multiply}
.topbar nav{margin-left:auto;display:flex;gap:18px;align-items:center}
.topbar nav a{font-weight:700;font-size:14px;text-decoration:none}
.wa{display:inline-block;background:var(--red);color:#fff!important;padding:12px 16px;text-decoration:none;font-weight:700}
main{padding:52px 0 70px}
.breadcrumbs{font-size:13px;margin-bottom:24px;color:#555}
.kick{display:block;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);font-weight:700;margin-bottom:10px}
h1,h2,h3{font-family:Arial,Helvetica,sans-serif;color:var(--blue-dark);letter-spacing:-.02em}
h1{font-size:clamp(34px,5vw,52px);line-height:1.05;margin:0;max-width:19ch}
h2{font-size:clamp(23px,3vw,30px);margin:54px 0 20px;padding-top:26px;border-top:2px solid var(--divider)}
h3{font-size:19px;margin:0 0 8px}
p,li{font-size:16px;line-height:1.75;color:var(--soft)}
.intro{font-size:19px;line-height:1.6;max-width:66ch;margin:28px 0}
.notice{padding:16px 18px;border-left:4px solid var(--blue);background:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.card{border:2px solid var(--divider);padding:22px;background:#fff}
.steps{counter-reset:step;list-style:none;padding:0;display:grid;gap:14px}
.steps li{counter-increment:step;padding:16px 18px 16px 58px;background:var(--muted);position:relative}
.steps li::before{content:counter(step);position:absolute;left:18px;top:16px;color:var(--red);font-weight:800;font-size:20px}
.cta{padding:28px;background:var(--blue-dark);color:#fff;margin:50px 0}
.cta h2{border:0;padding:0;margin:0 0 12px;color:#fff}
.cta p{color:#fff;margin:0 0 20px}
.faq details{border-bottom:2px solid var(--divider)}
.faq summary{cursor:pointer;padding:20px 0;font-weight:800;color:var(--blue-dark)}
.faq p{margin:0 0 20px}
.other{display:flex;flex-wrap:wrap;gap:14px;margin-top:48px;padding-top:24px;border-top:2px solid var(--divider)}
.other strong{width:100%}
footer{border-top:2px solid var(--divider);padding:28px 0;font-size:13px;color:#555}
@media(max-width:720px){.topbar nav a:not(.wa){display:none}.topbar img{height:48px}.grid{grid-template-columns:1fr}main{padding-top:36px}.cta{padding:22px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}