:root{--ink:#13213B;--muted:#4b5563;--line:#e5e7eb;--bg:#f6f7f4;--panel:#fff;--accent:#FF7A1A;--gold:#FFD43B;--good:#16a34a}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--ink:#eef2f7;--muted:#a8b3c4;--line:#2a3550;--bg:#0d1526;--panel:#16213a}}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:inherit}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
header.nav{position:sticky;top:0;z-index:10;background:rgba(19,33,59,.96);color:#fff;backdrop-filter:blur(6px)}
header.nav .wrap{display:flex;align-items:center;gap:16px;min-height:60px}
.logo{display:flex;align-items:center;gap:10px;font-weight:900;font-size:20px;text-decoration:none;letter-spacing:.3px}
.logo i{display:inline-block;width:12px;height:26px;background:var(--accent);border-radius:3px;transform:skew(-12deg)}
.nav .sp{flex:1}.nav .lnk{color:#cbd5e1;text-decoration:none;font-weight:700;font-size:15px}
.btn{display:inline-flex;align-items:center;gap:8px;border-radius:999px;padding:14px 26px;font-weight:900;font-size:18px;text-decoration:none;border:0;cursor:pointer}
.btn.primary{background:var(--accent);color:#13213B;box-shadow:0 6px 0 #b4530d}
.btn.primary:hover{transform:translateY(-1px)}
.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.4)}
.btn.small{padding:8px 16px;font-size:15px;box-shadow:none}
.hero{background:linear-gradient(135deg,#13213B,#26386a);color:#fff;padding:56px 0 64px}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:40px;align-items:center}
.hero h1{font-size:clamp(34px,5vw,56px);line-height:1.08;margin:0 0 16px;letter-spacing:-.5px}
.hero p.lead{font-size:20px;color:#dbe4f0;margin:0 0 26px}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:22px;padding:0;list-style:none}
.chips li{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:5px 12px;font-weight:700;font-size:14px}
.hero svg{width:100%;height:auto;border-radius:16px;box-shadow:0 18px 40px rgba(0,0,0,.35)}
.caption{font-size:14px;color:#cbd5e1;margin-top:8px;text-align:center}
section{padding:56px 0}
section h2{font-size:clamp(28px,3.4vw,38px);margin:0 0 10px;line-height:1.15}
section .sub{color:var(--muted);font-size:18px;margin:0 0 28px;max-width:760px}
.grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:var(--panel);border:1px solid var(--line);border-radius:18px;padding:20px 22px}
.card .ic{font-size:30px}.card h3{margin:6px 0 6px;font-size:20px}.card p{margin:0;color:var(--muted)}
.steps{counter-reset:s;display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.steps .card{position:relative;padding-top:52px}
.steps .card::before{counter-increment:s;content:counter(s);position:absolute;top:16px;left:22px;width:30px;height:30px;border-radius:50%;background:var(--accent);color:#13213B;font-weight:900;display:grid;place-items:center}
.band{background:var(--panel);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.split{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px;align-items:start}
.check{list-style:none;padding:0;margin:0;display:grid;gap:10px}.check li{padding-left:30px;position:relative}.check li::before{content:"✓";position:absolute;left:0;color:var(--good);font-weight:900}
details.faq{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:14px 18px;margin-bottom:10px}
details.faq summary{cursor:pointer;font-weight:800;font-size:18px}details.faq p{margin:10px 0 0;color:var(--muted)}
.cta-end{background:linear-gradient(135deg,#13213B,#3b2817);color:#fff;text-align:center;border-radius:24px;padding:44px 22px;margin:20px 0}
.cta-end h2{color:#fff}.cta-end p{color:#e2c79f;font-size:18px}
footer{padding:30px 0 50px;color:var(--muted);font-size:14px}
footer .wrap{display:grid;gap:8px}footer nav{display:flex;gap:16px;flex-wrap:wrap}footer a{font-weight:700}
.article{max-width:820px;margin:0 auto;padding:40px 20px}
.article h1{font-size:clamp(30px,4vw,44px);line-height:1.12;margin:0 0 12px}
.article h2{margin-top:40px}.article p,.article li{font-size:18px}
.article .diagram{margin:18px 0 8px}.article .diagram svg{width:100%;height:auto;border-radius:14px}
.beat{background:rgba(255,212,59,.18);border-left:6px solid var(--gold);border-radius:10px;padding:10px 16px;margin:12px 0}
.tbl{width:100%;border-collapse:collapse;font-size:16px}.tbl th,.tbl td{border:1px solid var(--line);padding:8px 10px;text-align:left}.tbl th{background:rgba(0,0,0,.04)}
.langbar{background:var(--gold);color:#13213B;text-align:center;padding:8px;font-weight:800}.langbar a{color:#13213B}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr}.hero{padding:36px 0 44px}.nav .lnk.hide-m{display:none}}
.logo,.nav .btn,.nav .lnk{white-space:nowrap}
@media (max-width:480px){header.nav .wrap{gap:10px}.logo{font-size:17px}.logo i{height:22px;width:10px}.nav .btn.small{padding:7px 12px;font-size:14px}.hero .ctas .btn{width:100%;justify-content:center}}