:root{--navy:#14243A;--navy2:#203A56;--blue:#2478E8;--lblue:#EAF3FF;--bg:#F5F8FC;--text:#273548;--accent:#F4A340;--white:#fff;--radius:16px;--shadow:0 10px 30px rgba(20,36,58,.10);--font:'Inter','Manrope','Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--text);background:#fff;line-height:1.65;font-size:17px;-webkit-text-size-adjust:100%;overflow-x:hidden}
img,svg{max-width:100%;height:auto}
a{color:var(--blue)}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.5vw,3.2rem)}h2{font-size:clamp(1.5rem,3vw,2.1rem)}h3{font-size:1.2rem}
.container{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}
.narrow{max-width:860px}
.center{text-align:center}.mt{margin-top:28px}
.fine{font-size:.88rem;opacity:.85}.light{color:#fff}
.screen-reader-text,.skip-link:not(:focus){position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.skip-link:focus{position:fixed;top:8px;left:8px;background:#fff;padding:10px 14px;z-index:9999;border-radius:8px}
.announce{background:var(--navy);color:#fff;text-align:center;font-size:.9rem;padding:8px 0;font-weight:600}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:13px 24px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:inherit;font-size:1rem;transition:transform .15s,box-shadow .15s,background .15s;min-height:48px;text-align:center;line-height:1.2}
.btn:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(20,36,58,.2)}
.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:#1a63c6}
.btn-accent{background:var(--accent);color:var(--navy)}.btn-accent:hover{background:#e8922a}
.btn-brand{background:var(--brand,var(--blue));color:#fff}
.btn-outline{border-color:var(--blue);color:var(--blue);background:#fff}.btn-outline:hover{background:var(--lblue)}
.btn-ghost{border-color:#fff;color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-ghost-dark{border-color:var(--navy);color:var(--navy)}
.btn-lg{padding:16px 30px;font-size:1.08rem}.btn-sm{padding:9px 18px;font-size:.92rem;min-height:42px}
.btn-block{display:flex;width:100%}
.btn-row{display:flex;gap:14px;flex-wrap:wrap;margin:26px 0 18px}
.text-link{font-weight:700;text-decoration:none}
/* header */
.site-header{position:sticky;top:0;z-index:100;background:#fff;box-shadow:0 2px 14px rgba(20,36,58,.08)}
.header-inner{display:flex;align-items:center;gap:22px;min-height:76px}
.brand img{display:block;height:46px;width:auto}
.primary-nav{margin-left:auto}
.primary-nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
.primary-nav a{display:block;padding:10px 14px;color:var(--navy);font-weight:600;text-decoration:none;border-radius:10px}
.primary-nav a:hover{background:var(--lblue);color:var(--blue)}
.primary-nav li{position:relative}
.primary-nav .sub-menu{display:none;position:absolute;top:100%;left:0;min-width:220px;background:#fff;box-shadow:var(--shadow);border-radius:12px;padding:8px;flex-direction:column;gap:0}
.primary-nav li:hover>.sub-menu,.primary-nav li:focus-within>.sub-menu{display:flex}
.primary-nav .menu-item-has-children>a::after{content:" ▾";font-size:.75em}
.nav-call{display:none}
.header-call{display:flex;align-items:center;gap:14px}
.header-call-text{font-size:.78rem;line-height:1.25;text-align:right;color:#5a6b80}
.header-call-text a{font-size:1.05rem;color:var(--navy);text-decoration:none}
.nav-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer;margin-left:auto}
.nav-toggle span{display:block;width:26px;height:3px;background:var(--navy);margin:5px 0;border-radius:2px;transition:.2s}
.nav-toggle[aria-expanded=true] span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.nav-toggle[aria-expanded=true] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded=true] span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
.breadcrumbs{background:var(--bg);font-size:.88rem;padding:9px 0}.breadcrumbs a{text-decoration:none}
/* hero */
.hero{background-size:cover;background-position:center;color:#fff;padding:90px 0 70px}
.hero h1{color:#fff;max-width:820px}.hero .lead{font-size:1.2rem;max-width:720px;opacity:.95}
.eyebrow{color:var(--accent);font-weight:700;letter-spacing:.04em;text-transform:uppercase;font-size:.85rem;margin:0 0 14px}
.disclosure{font-size:.88rem;background:rgba(255,255,255,.1);border-left:4px solid var(--accent);padding:10px 14px;border-radius:8px;max-width:720px}
.page-hero .disclosure,.entry .disclosure,.section .disclosure{background:var(--lblue);border-left-color:var(--blue);color:var(--text)}
.page-hero{background:linear-gradient(120deg,var(--navy),var(--navy2));color:#fff;padding:54px 0}
.page-hero h1{color:#fff;margin:0}.page-hero .lead{margin:12px 0 0;opacity:.92;font-size:1.15rem}
/* sections */
.section{padding:72px 0}.section.alt{background:var(--bg)}
.section-head{text-align:center;max-width:720px;margin:0 auto 40px}
.card-grid{display:grid;gap:24px}
.cols-1{grid-template-columns:minmax(0,520px);justify-content:center}.cols-3{grid-template-columns:repeat(3,1fr)}.cols-5{grid-template-columns:repeat(5,1fr)}
.card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;border:1px solid #e6edf6;transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-4px);box-shadow:0 16px 38px rgba(20,36,58,.15)}
.card-icon{display:inline-grid;place-items:center;width:56px;height:56px;border-radius:14px;background:var(--lblue);color:var(--blue);margin-bottom:14px}
.brand-card{display:flex;flex-direction:column;gap:10px;padding:22px;border-top:5px solid var(--brand)}
.brand-card p{font-size:.95rem;flex:1;margin:0}
.brand-mark{display:grid;place-items:center;width:48px;height:48px;border-radius:12px;background:var(--brand);color:#fff;font-weight:800;font-size:1.4rem}
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.steps li{background:#fff;border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);text-align:center}
.step-num{display:inline-grid;place-items:center;width:48px;height:48px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;font-size:1.3rem;margin-bottom:12px}
.cta-band{background:linear-gradient(120deg,var(--navy),var(--blue));color:#fff;padding:70px 0}
.cta-band h2{color:#fff}.cta-band p{max-width:640px;margin:0 auto 22px;font-size:1.1rem}
/* FAQ */
.faq-item{background:#fff;border:1px solid #dbe5f1;border-radius:14px;margin-bottom:12px;overflow:hidden}
.faq-item summary{cursor:pointer;padding:18px 54px 18px 20px;font-weight:700;color:var(--navy);list-style:none;position:relative;min-height:48px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--blue)}
.faq-item[open] summary::after{content:"–"}
.faq-item[open]{box-shadow:var(--shadow)}
.faq-answer{padding:0 20px 18px}
.faq-search input{width:100%;padding:14px 18px;border:2px solid #dbe5f1;border-radius:999px;font-size:1rem;margin-bottom:26px;font-family:inherit}
.faq-group{margin-bottom:30px}
/* guide pages */
.top-disclosure{margin-top:22px}
.notice{border-radius:12px;padding:14px 18px;margin:0 0 20px;font-size:.95rem}
.notice-info{background:#FFF6E8;border:1px solid var(--accent)}
.notice-success{background:#E8F8EE;border:1px solid #2e9e5b;color:#145c33}
.notice-error{background:#FDECEC;border:1px solid #d24646;color:#7d1f1f}
.guide-hero{background:linear-gradient(135deg,#fff,color-mix(in srgb,var(--brand) 14%,#fff));padding:50px 0 40px;border-bottom:4px solid var(--brand)}
.guide-hero h1{max-width:860px}.guide-hero .lead{max-width:760px;font-size:1.15rem}
.band{background:var(--bg);padding:18px 0}
.guide-layout{display:grid;grid-template-columns:260px 1fr;gap:40px;padding-top:44px;padding-bottom:60px;align-items:start}
.guide-nav{position:sticky;top:96px;background:var(--bg);border-radius:var(--radius);padding:20px;font-size:.93rem}
.guide-nav ul{list-style:none;margin:10px 0 0;padding:0}.guide-nav li{margin:2px 0}.guide-nav a{display:block;padding:6px 8px;border-radius:8px;text-decoration:none;color:var(--navy)}
.guide-nav a:hover{background:#fff;color:var(--brand)}
.guide-section{margin-bottom:44px;scroll-margin-top:96px}
.guide-section h2{display:flex;align-items:center;gap:12px}
.num{display:inline-grid;place-items:center;min-width:38px;height:38px;border-radius:10px;background:var(--brand);color:#fff;font-size:1.05rem}
.guide-section ol{padding-left:22px}.guide-section li{margin-bottom:8px}
.inline-cta{margin:20px 0;padding:18px;background:var(--bg);border-radius:14px;border-left:5px solid var(--brand)}
.band-box{background:var(--lblue);border-radius:var(--radius);padding:26px;margin:10px 0 44px;display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap}.band-box p{margin:0;flex:1 1 300px}
/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.3fr;gap:28px;align-items:start}
.big-phone{font-size:2rem;font-weight:800;color:var(--navy);text-decoration:none}
.field{margin-bottom:18px}.field label{display:block;font-weight:600;margin-bottom:6px}
.field input[type=text],.field input[type=email],.field textarea,.search-form input{width:100%;padding:13px 14px;border:2px solid #cfdbe9;border-radius:12px;font:inherit;color:var(--text);background:#fff}
.field input:focus,.field textarea:focus,.faq-search input:focus{outline:3px solid rgba(36,120,232,.3);border-color:var(--blue)}
.field.check{display:flex;flex-wrap:wrap;gap:10px;align-items:flex-start}.field.check input{width:22px;height:22px;margin-top:3px}.field.check label{flex:1;font-weight:400;margin:0}
.field .err{display:block;color:#b32424;font-size:.88rem;margin-top:4px;min-height:0}
.field.invalid input,.field.invalid textarea{border-color:#d24646}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.form-warn{font-size:.88rem;background:#FFF6E8;padding:10px 14px;border-radius:10px}
.search-form{display:flex;gap:10px;margin:0 0 24px}
/* entry */
.entry h2{margin-top:1.6em}.entry li{margin-bottom:6px}
.post-card{margin-bottom:20px}
/* footer */
.site-footer{background:var(--navy);color:#c9d6e6;padding-top:56px}
.site-footer h3{color:#fff;font-size:1rem;text-transform:uppercase;letter-spacing:.05em}
.site-footer a{color:#c9d6e6}.site-footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:34px}
.footer-menu{list-style:none;padding:0;margin:0}.footer-menu li{margin-bottom:8px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:40px;padding:22px 0 30px;font-size:.88rem}
.footer-disclaimer{color:#fff}
/* mobile call bar */
body{padding-bottom:88px}
html{scroll-padding-bottom:96px}
.call-bar{position:fixed;left:0;right:0;bottom:0;z-index:200;background:var(--navy);box-shadow:0 -8px 26px rgba(0,0,0,.28);padding:12px 20px calc(12px + env(safe-area-inset-bottom));padding-left:max(20px,env(safe-area-inset-left));padding-right:max(20px,env(safe-area-inset-right));animation:cbIn .6s .4s cubic-bezier(.2,.8,.2,1) both}
@keyframes cbIn{from{transform:translateY(110%);opacity:0}to{transform:none;opacity:1}}
.call-bar-inner{max-width:1180px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:20px}
.cb-left{display:flex;align-items:center;gap:12px;flex:1 1 auto;min-width:0}
.cb-left p{margin:0;color:#fff;font-weight:600;line-height:1.3}
.cb-ico{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:rgba(255,255,255,.12);color:var(--accent);flex:none}
.cb-mid{color:var(--accent);font-weight:800;white-space:nowrap;padding:0 4px}
.cb-mobile-text{display:none;margin:0}
.cb-btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--blue);color:#fff;font-weight:800;text-decoration:none;border-radius:999px;min-height:52px;padding:10px 26px;line-height:1.2;white-space:nowrap;flex:none;transition:background .15s,transform .15s}
.cb-btn:hover{background:#1c62c4;transform:translateY(-1px)}
.cb-btn:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.announce a{color:#fff;text-decoration:none;display:inline-flex;gap:8px;align-items:center}.announce a:hover{text-decoration:underline}.announce .icon{width:16px;height:16px;color:var(--accent)}
.footer-disclaimer-2{color:#c9d6e6}
.eyebrow.dark{color:#c25a00}
.btn-outline-brand{border-color:#FB7701;color:#c25a00;background:#fff}.btn-outline-brand:hover{background:#FFF1E4}
.temu-feature{display:grid;grid-template-columns:1.2fr 1fr;gap:34px;align-items:center;background:#fff;border-radius:24px;border:2px solid #FFD9B3;box-shadow:var(--shadow);padding:40px;position:relative;overflow:hidden}
.temu-feature::before{content:"";position:absolute;left:0;top:0;bottom:0;width:8px;background:#FB7701}
.temu-feature img{justify-self:center;max-width:100%}
.guide-temu{--brand:#FB7701}
.guide-hero-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:30px;align-items:center}
.guide-art{justify-self:center}
.tip{background:#FFF6EC;border-left:4px solid #FB7701;padding:10px 14px;border-radius:8px;font-size:.95rem}
.svc-list{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:26px}
.svc-item{display:flex;gap:18px;align-items:flex-start;scroll-margin-top:100px}.svc-item h2{font-size:1.3rem}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.tick,.cross{list-style:none;padding:0;margin:0}.tick li,.cross li{padding-left:30px;position:relative;margin-bottom:10px}
.tick li::before{content:"✓";position:absolute;left:0;color:#1f9d55;font-weight:800}.cross li::before{content:"✕";position:absolute;left:0;color:#c33;font-weight:800}
.why{grid-template-columns:repeat(5,1fr)}.why .card{padding:22px}
html{scroll-behavior:smooth}

@media (max-width:1060px){
	.cols-5{grid-template-columns:repeat(3,1fr)}
	.header-call-text{display:none}
	.guide-layout{grid-template-columns:1fr}.guide-nav{position:static}
}
@media (max-width:1060px){.why{grid-template-columns:repeat(3,1fr)}}
@media (max-width:900px){
	.temu-feature{grid-template-columns:1fr}.cb-left p{font-size:.9rem}
	.nav-toggle{display:block}
	.header-call{display:none}
	.primary-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;box-shadow:0 14px 24px rgba(20,36,58,.15);padding:12px 20px 20px;max-height:calc(100vh - 120px);overflow:auto}
	.primary-nav.open{display:block}
	.primary-nav ul{flex-direction:column;align-items:stretch}
	.primary-nav a{padding:14px 10px;border-bottom:1px solid #eef2f7}
	.primary-nav .sub-menu{display:flex;position:static;box-shadow:none;padding:0 0 0 14px;min-width:0}
	.nav-call{display:block;margin-top:14px}
	.cols-3,.steps{grid-template-columns:1fr 1fr}
	.footer-grid{grid-template-columns:1fr 1fr}
	.contact-grid{grid-template-columns:1fr}
}
@media (max-width:640px){
	body{font-size:16px}
	.section{padding:48px 0}.hero{padding:56px 0 44px}
	.cols-3,.cols-5,.why,.steps,.footer-grid{grid-template-columns:1fr}
	.btn-row .btn{width:100%}
	.card{padding:22px}.band-box .btn,.inline-cta .btn,.cta-band .btn{width:100%}
	.brand img{height:38px}
	.cb-left,.cb-mid{display:none}
	.call-bar{padding:10px 14px calc(10px + env(safe-area-inset-bottom))}
	.call-bar-inner{flex-direction:column;gap:8px}
	.cb-mobile-text{display:block;color:#fff;font-weight:600;font-size:.92rem;text-align:center}
	.cb-btn{width:100%;min-height:56px;font-size:1.05rem}
	.temu-feature{grid-template-columns:1fr;padding:26px 22px}.guide-hero-grid,.svc-list,.two-col{grid-template-columns:1fr}.guide-art{max-width:260px}
	body{padding-bottom:104px}
}
@media (prefers-reduced-motion:reduce){.call-bar{animation:none}*{transition:none!important;scroll-behavior:auto!important}}