:root {
  --ink: #0f1b2d;
  --ink-soft: #3b4a60;
  --bg: #ffffff;
  --bg-soft: #f4f6f9;
  --sun: #f59e0b;
  --sun-deep: #b45309;
  --line: #dde3ec;
  --ok: #15803d;
  --radius: 14px;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
}
a { color: var(--sun-deep); }
img { max-width: 100%; }

.wrap { max-width: 1080px; margin: 0 auto; padding: 0 16px; }

header.top {
  border-bottom: 1px solid var(--line);
  background: var(--bg);
  position: sticky; top: 0; z-index: 10;
}
header.top .wrap { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.brand { font-weight: 800; font-size: 20px; color: var(--ink); text-decoration: none; letter-spacing: -0.02em; }
.brand span { color: var(--sun); }
.nav-cta {
  background: var(--sun); color: var(--ink); font-weight: 700; text-decoration: none;
  padding: 10px 16px; border-radius: 999px; font-size: 15px;
}

.hero { background: linear-gradient(180deg, #fff8eb 0%, #ffffff 100%); padding: 48px 0 32px; }
.hero .wrap { display: grid; grid-template-columns: 1.1fr 1fr; gap: 40px; align-items: start; }
.eyebrow { font-weight: 700; color: var(--sun-deep); text-transform: uppercase; letter-spacing: 0.08em; font-size: 13px; margin: 0 0 8px; }
h1 { font-size: clamp(30px, 5vw, 46px); line-height: 1.12; letter-spacing: -0.03em; margin: 0 0 16px; }
h2 { font-size: clamp(24px, 3.4vw, 32px); line-height: 1.2; letter-spacing: -0.02em; margin: 0 0 12px; }
h3 { font-size: 19px; margin: 0 0 6px; }
.lead { font-size: 19px; color: var(--ink-soft); margin: 0 0 20px; }
.ticks { list-style: none; padding: 0; margin: 0 0 8px; }
.ticks li { padding-left: 30px; position: relative; margin: 8px 0; }
.ticks li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--ok); font-weight: 800; }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px; box-shadow: 0 10px 30px rgba(15, 27, 45, 0.08);
}
.card h2 { font-size: 22px; }

form label { display: block; font-weight: 600; font-size: 15px; margin: 12px 0 4px; }
form input, form select, form textarea {
  width: 100%; font: inherit; font-size: 16px; padding: 11px 12px;
  border: 1px solid #c4cdd9; border-radius: 10px; background: #fff; color: var(--ink);
}
form textarea { min-height: 84px; resize: vertical; }
form input:focus, form select:focus, form textarea:focus { outline: 3px solid #fcd34d; border-color: var(--sun-deep); }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 13px; color: var(--ink-soft); margin: 14px 0 4px; font-weight: 400; }
.consent input { width: auto; margin-top: 3px; }
.btn {
  display: inline-block; width: 100%; margin-top: 14px; border: 0; cursor: pointer;
  background: var(--sun); color: var(--ink); font: inherit; font-weight: 800; font-size: 18px;
  padding: 14px 18px; border-radius: 12px;
}
.btn:hover { background: #fbbf24; }
.btn[disabled] { opacity: 0.6; cursor: wait; }
.form-note { font-size: 13px; color: var(--ink-soft); margin: 10px 0 0; text-align: center; }
.form-msg { margin-top: 12px; font-weight: 600; }
.form-msg.err { color: #b91c1c; }
.hp { position: absolute; left: -9999px; }

section { padding: 48px 0; }
section.soft { background: var(--bg-soft); }
.grid3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.tile { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; }
.tile p { margin: 0; color: var(--ink-soft); }
.tile a.more { display: inline-block; margin-top: 10px; font-weight: 700; text-decoration: none; }
.steps { counter-reset: s; list-style: none; padding: 0; margin: 0; }
.steps li { counter-increment: s; position: relative; padding: 0 0 18px 52px; }
.steps li::before {
  content: counter(s); position: absolute; left: 0; top: 0; width: 36px; height: 36px; border-radius: 50%;
  background: var(--ink); color: #fff; font-weight: 800; display: grid; place-items: center;
}
.prose { max-width: 720px; }
.prose h2 { margin-top: 32px; }
.notice { background: #fff8eb; border: 1px solid #fde68a; border-radius: 12px; padding: 14px 16px; font-size: 15px; color: var(--ink-soft); }

footer { background: var(--ink); color: #c9d3e0; padding: 32px 0; font-size: 14px; }
footer a { color: #fff; }
footer .cols { display: flex; flex-wrap: wrap; gap: 12px 24px; margin-bottom: 12px; }

@media (max-width: 860px) {
  .hero .wrap, .grid3, .grid2 { grid-template-columns: 1fr; }
  .hero { padding-top: 28px; }
}
@media (max-width: 420px) {
  .row2 { grid-template-columns: 1fr; }
  .nav-cta { padding: 8px 12px; font-size: 14px; }
}

.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px; margin: 10px 0; }
.faq summary { font-weight: 700; cursor: pointer; }
.faq details p { margin: 10px 0 0; color: var(--ink-soft); }
a.tile.rel { text-decoration: none; color: var(--ink); display: block; }
a.tile.rel:hover { border-color: var(--sun); }
a.tile.rel .more { color: var(--sun-deep); font-weight: 700; }