:root{--green:#0f3f1c;--blue:#061f3b;--text:#0d1726;--muted:#64748b;--soft:#f5f8f7;--line:#e6ecea;--white:#fff;--shadow:0 22px 64px rgba(6,31,59,.1);--radius:28px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scrollbar-gutter:stable}body{margin:0;min-width:320px;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Arial,sans-serif;color:var(--text);background:#fff;font-size:16px;line-height:1.65;overflow-x:clip}a{color:inherit;text-decoration:none}.container{width:min(1120px,calc(100% - 48px));margin-inline:auto}.skip-link{position:absolute;left:-9999px;top:12px;z-index:2000;background:var(--blue);color:#fff;padding:10px 14px;border-radius:10px}.skip-link:focus{left:12px}
header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(14px)}.nav{min-height:80px;display:grid;grid-template-columns:190px minmax(0,1fr) 106px;align-items:center;gap:18px}.brand{display:flex;align-items:center;gap:12px;font-weight:900;color:var(--blue);letter-spacing:-.035em;white-space:nowrap}.brand img{width:48px;height:48px;object-fit:contain;border-radius:12px;background:#fff}.brand .green{color:var(--green)}nav{display:flex;justify-content:center;align-items:stretch;gap:clamp(10px,1.4vw,18px);height:80px;color:#475569;font-size:14.5px;font-weight:750}nav a{display:flex;align-items:center;border-bottom:3px solid transparent;white-space:nowrap}nav a:hover,nav a.active{color:var(--green);border-bottom-color:var(--green)}.menu-toggle{display:none;width:46px;height:46px;border:1px solid var(--line);border-radius:14px;background:#fff;color:var(--blue);font-size:27px;cursor:pointer}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:13px 22px;border:1px solid transparent;border-radius:999px;font-weight:900;text-align:center;line-height:1.2;transition:.18s}.btn:hover{transform:translateY(-2px)}.btn.primary{background:var(--green);color:#fff;box-shadow:0 14px 34px rgba(15,63,28,.2)}.btn.secondary{background:#fff;color:var(--blue);border-color:var(--line)}
.breadcrumbs{padding:16px 0 0;color:var(--muted);font-size:14px}.breadcrumbs a{color:var(--blue);font-weight:800}.breadcrumbs span{margin:0 8px;color:#94a3b8}.hero{position:relative;overflow:hidden;padding:66px 0 72px;background:linear-gradient(135deg,#fff 0%,#f6faf8 56%,#eef5f2 100%)}.hero:before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;background:rgba(15,63,28,.08);right:-230px;top:-220px}.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);gap:42px;align-items:center}.eyebrow{display:inline-flex;color:var(--green);font-weight:950;text-transform:uppercase;letter-spacing:.11em;font-size:12px}.badge{display:inline-flex;margin-left:9px;padding:5px 9px;border-radius:999px;background:#fff1e8;color:#9a3412;font-size:11px;font-weight:950;letter-spacing:.06em;text-transform:uppercase;vertical-align:middle}h1{max-width:900px;margin:16px 0 20px;color:var(--blue);font-size:clamp(36px,5vw,60px);line-height:1.03;letter-spacing:-.055em}.lead{max-width:760px;margin:0 0 26px;color:#475569;font-size:20px;line-height:1.65}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.trust-row,.meta-row{display:flex;gap:9px;flex-wrap:wrap;margin-top:20px}.trust-pill,.meta-pill{display:inline-flex;align-items:center;gap:7px;padding:8px 12px;border:1px solid var(--line);border-radius:999px;background:#fff;color:#375167;font-size:13.5px;font-weight:850}.hero-card,.content-card,.side-card{background:#fff;border:1px solid var(--line);border-radius:30px;box-shadow:var(--shadow)}.hero-card{padding:30px}.hero-card h2,.side-card h2{margin:0 0 10px;color:var(--blue);font-size:26px;line-height:1.15;letter-spacing:-.035em}.hero-card p,.side-card p{margin:0 0 16px;color:var(--muted)}.check-list{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:11px}.check-list li{display:flex;gap:10px;color:#334155}.check-list li:before{content:"✓";color:var(--green);font-weight:950}
main>section:not(.hero){padding:64px 0}.detail-grid{display:grid;grid-template-columns:minmax(0,1fr) 350px;gap:28px;align-items:start}.content-card{padding:42px}.content-card h2{margin:36px 0 12px;color:var(--blue);font-size:clamp(27px,3vw,40px);line-height:1.12;letter-spacing:-.04em}.content-card h2:first-child{margin-top:0}.content-card h3{margin:28px 0 9px;color:var(--blue);font-size:22px}.content-card p,.content-card li{color:var(--muted);font-size:17px;line-height:1.78}.content-card ul{padding-left:22px}.content-card a:not(.btn){color:var(--green);font-weight:850;text-decoration:underline;text-underline-offset:3px}.notice{margin:22px 0;padding:18px 20px;border:1px solid rgba(15,63,28,.18);border-radius:20px;background:#f6faf8;color:#375167}.side-card{position:sticky;top:104px;padding:28px;box-shadow:0 12px 38px rgba(6,31,59,.06)}.side-card .btn{width:100%;margin-top:10px}.source-link{display:block;margin-top:14px;color:var(--muted);font-size:14px;text-align:center;text-decoration:underline}.meta-grid{display:grid;gap:9px;margin:16px 0}.meta-grid .meta-pill{width:100%}.application-process ol{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:12px;counter-reset:steps}.application-process li{counter-increment:steps;display:grid;grid-template-columns:38px 1fr;column-gap:12px;padding:15px;border:1px solid var(--line);border-radius:18px;background:#f8fbfa}.application-process li:before{content:counter(steps);grid-row:1 / span 2;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--green);color:#fff;font-weight:900}.application-process li strong{color:var(--blue)}.application-process li span{font-size:15px;color:var(--muted)}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:28px;align-items:start}.article-toc{position:sticky;top:104px;padding:24px;border:1px solid var(--line);border-radius:24px;background:var(--soft)}.article-toc strong{display:block;margin-bottom:10px;color:var(--blue)}.article-toc a{display:block;padding:7px 0;color:#475569;font-size:14px}.article-callout{margin:26px 0;padding:22px;border-left:5px solid var(--green);border-radius:0 20px 20px 0;background:var(--soft);color:#375167}.comparison{width:100%;border-collapse:separate;border-spacing:0;margin:24px 0;border:1px solid var(--line);border-radius:18px;overflow:hidden}.comparison th,.comparison td{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.comparison th{background:var(--soft);color:var(--blue)}.comparison tr:last-child td{border-bottom:0}
.cta{padding:48px 0 64px}.cta-box{display:flex;align-items:center;justify-content:space-between;gap:30px;padding:40px;border-radius:34px;background:linear-gradient(135deg,var(--green),var(--blue));color:#fff}.cta-box h2{margin:0 0 8px;font-size:clamp(28px,4vw,42px);line-height:1.1;letter-spacing:-.04em}.cta-box p{max-width:720px;margin:0;color:rgba(255,255,255,.8);font-size:18px}.mobile-sticky-cta{display:none}footer{padding:34px 0;background:#071426;color:#fff}.foot{display:flex;align-items:center;justify-content:space-between;gap:20px;color:rgba(255,255,255,.72);font-size:14px}.foot a{color:rgba(255,255,255,.84)}
@media(min-width:1500px){.container{width:min(1240px,calc(100% - 96px))}.nav{grid-template-columns:200px minmax(0,1fr) 110px}.hero-grid{gap:72px}.detail-grid{grid-template-columns:minmax(0,1fr) 380px}.article-layout{grid-template-columns:minmax(0,1fr) 330px}}
@media(max-width:1050px){.desktop-contact{display:none}.nav{grid-template-columns:190px minmax(0,1fr)}.hero-grid,.detail-grid,.article-layout{grid-template-columns:1fr}.side-card,.article-toc{position:static}.hero{padding:54px 0 60px}.cta-box,.foot{align-items:flex-start;flex-direction:column}}
@media(max-width:850px){.nav{min-height:74px;display:flex;flex-wrap:wrap;padding:12px 0}.brand{flex:1}.brand img{width:42px;height:42px}.menu-toggle{display:inline-flex;align-items:center;justify-content:center}nav{display:none;flex:0 0 100%;width:100%;height:auto;flex-direction:column;gap:9px;padding:14px 0 4px;border-top:1px solid var(--line)}nav.open{display:flex}nav a{width:100%;min-height:50px;padding:12px 16px;border:1px solid var(--line);border-radius:15px;background:#fff;color:var(--blue);font-size:16px;font-weight:900}.hero-actions .btn{flex:1 1 230px}}
@media(max-width:640px){body{padding-bottom:76px}.container{width:min(100% - 28px,1120px)}.hero{padding:42px 0 48px}.hero:before{width:320px;height:320px;right:-190px;top:-120px}.hero-grid{gap:22px}.eyebrow{font-size:11px}.badge{display:inline-flex;margin:8px 0 0}h1{font-size:clamp(30px,9vw,38px);line-height:1.08;letter-spacing:-.03em;overflow-wrap:anywhere}.lead{font-size:17px;line-height:1.57}.hero-actions{display:grid;grid-template-columns:1fr}.hero-actions .btn,.btn{width:100%;min-height:52px}.trust-row{display:none}.hero-card,.content-card,.side-card{padding:23px;border-radius:24px}main>section:not(.hero){padding:44px 0}.content-card p,.content-card li{font-size:16px;line-height:1.7}.content-card h2{font-size:clamp(25px,7vw,33px)}.article-toc{display:none}.comparison{display:block;overflow-x:auto}.comparison th,.comparison td{min-width:150px}.cta-box{padding:28px;border-radius:27px}.mobile-sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:1100;display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:9px 12px;background:rgba(255,255,255,.95);border-top:1px solid var(--line);backdrop-filter:blur(14px)}.mobile-sticky-cta .btn{min-height:48px;padding:11px 12px;font-size:14px}.foot{align-items:center;text-align:center}footer{padding-bottom:100px}}
@media(max-width:380px){.container{width:calc(100% - 24px)}.mobile-sticky-cta{grid-template-columns:1fr}body{padding-bottom:130px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}