:root{
  --bg:#ffffff;
  --text:#111827;
  --muted:#6b7280;
  --card:#f9fafb;
  --border:#e5e7eb;
  --accent:#c00000;
  --accent2:#2563eb;
  --max:1100px;
  --radius:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji","Segoe UI Emoji";
  color:var(--text);
  background:var(--bg);
  line-height:1.5;
}
a{color:inherit}
.container{max-width:var(--max);margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
.skip:focus{left:18px;top:18px;width:auto;height:auto;padding:10px 14px;background:#fff;border:2px solid var(--accent);border-radius:10px;z-index:9999}
header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.92);
  backdrop-filter:saturate(180%) blur(10px);
  border-bottom:1px solid var(--border);
}
.nav{
  display:flex;align-items:center;justify-content:space-between;
  gap:14px;padding:12px 0;
}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo{
  width:36px;height:36px;border-radius:12px;
  background:linear-gradient(135deg,var(--accent),#ff5a5a);
  box-shadow:0 8px 18px rgba(192,0,0,.18);
}
.brand b{letter-spacing:.2px}
.menu{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.menu a{
  text-decoration:none;
  padding:8px 10px;border-radius:12px;
  color:var(--muted);
}
.menu a:hover{background:var(--card);color:var(--text)}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:11px 14px;border-radius:14px;text-decoration:none;
  border:1px solid var(--border);
  background:#fff;
}
.btn.primary{
  border-color:transparent;
  background:var(--accent);color:#fff;
  box-shadow:0 12px 24px rgba(192,0,0,.18);
}
.btn.primary:hover{filter:brightness(.96)}
.btn.ghost:hover{background:var(--card)}
.hero{
  padding:42px 0 18px;
}
.grid2{
  display:grid;grid-template-columns:1.05fr .95fr;gap:22px;align-items:center;
}
@media (max-width: 900px){.grid2{grid-template-columns:1fr;}}
h1{font-size:42px;line-height:1.12;margin:0 0 12px}
@media (max-width: 520px){h1{font-size:34px}}
.lead{font-size:18px;color:var(--muted);margin:0 0 16px}
.pills{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0 18px}
.pill{font-size:13px;padding:8px 10px;border-radius:999px;background:var(--card);border:1px solid var(--border);color:var(--muted)}
.card{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:18px;
}
.kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
@media (max-width: 520px){.kpis{grid-template-columns:1fr}}
.kpi{padding:14px;border-radius:16px;background:#fff;border:1px solid var(--border)}
.kpi b{display:block;font-size:18px}
.kpi span{color:var(--muted);font-size:13px}
.section{padding:28px 0}
.section h2{font-size:26px;margin:0 0 10px}
.section p{margin:0 0 10px;color:var(--muted)}
.ul{margin:10px 0 0;padding-left:18px;color:var(--muted)}
.ul li{margin:6px 0}
.split{
  display:grid;grid-template-columns:1fr 1fr;gap:16px;
}
@media (max-width: 900px){.split{grid-template-columns:1fr}}
.notice{
  border-left:5px solid var(--accent2);
  background:#eff6ff;
  border-radius:14px;
  padding:14px 14px;
  color:#1f2937;
}
.notice small{color:var(--muted)}
.ctaRow{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px}
.footer{
  padding:26px 0;border-top:1px solid var(--border);color:var(--muted);font-size:14px
}
.footer a{color:var(--muted)}
.footer a:hover{color:var(--text)}
.faq details{background:#fff;border:1px solid var(--border);border-radius:16px;padding:12px 14px}
.faq details+details{margin-top:10px}
.faq summary{cursor:pointer;font-weight:650}
.badge{font-size:12px;color:#fff;background:var(--accent2);padding:3px 8px;border-radius:999px}