:root{--blue:#0b5cd5;--blue-d:#0846a6;--ink:#152033;--muted:#5a6578;--line:#e3e8f0;--bg:#f6f8fc;--card:#fff;--accent:#ff7a1a;--accent-d:#e2620a;--good:#0f8a5f;--bad:#c2410c;--r:12px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Inter,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto}a{color:var(--blue)}a:hover{color:var(--blue-d)}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.header-inner{display:flex;align-items:center;gap:16px;min-height:64px}
.logo{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--ink);font-size:19px;font-weight:600}.logo b{color:var(--blue)}
.site-nav{margin-left:auto}.site-nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.site-nav a{display:block;padding:8px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:500}
.site-nav a:hover,.site-nav a[aria-current]{background:#eaf1fd;color:var(--blue)}
.nav-toggle{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit;cursor:pointer}
.btn{display:inline-block;background:var(--accent);color:#fff!important;text-decoration:none;font-weight:700;padding:14px 22px;border-radius:10px;box-shadow:0 2px 0 var(--accent-d);text-align:center}
.btn:hover{background:var(--accent-d)}.btn-sm{padding:9px 14px;font-size:15px}
.btn-ghost{background:#fff;color:var(--blue)!important;border:2px solid var(--blue);box-shadow:none}.btn-ghost:hover{background:#eaf1fd}
.main{padding-top:20px;padding-bottom:48px}
.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:12px}.breadcrumbs a{color:var(--muted)}.sep{opacity:.5}
.content{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:clamp(20px,4vw,48px);max-width:820px;margin:0 auto}
.content.wide{max-width:none}
h1{font-size:clamp(28px,4.5vw,42px);line-height:1.15;margin:0 0 10px;letter-spacing:-.02em}
h2{font-size:clamp(22px,3vw,28px);line-height:1.25;margin:40px 0 12px;letter-spacing:-.01em}h3{font-size:20px;margin:28px 0 8px}
.lead{font-size:19px;color:#2c3a52}.byline{font-size:14px;color:var(--muted);margin:0 0 16px}
.disclosure{font-size:14px;background:#f3f6fb;border-left:3px solid var(--blue);padding:10px 14px;border-radius:6px;color:var(--muted)}
.verify-note{font-size:15px;background:#fff8ec;border:1px solid #ffd9a8;padding:12px 14px;border-radius:8px}
.answer{background:#eef5ff;border:1px solid #cfe0fb;border-radius:var(--r);padding:16px 20px;margin:20px 0}.answer p{margin:.3em 0}
.cta-box{background:linear-gradient(135deg,#0b5cd5,#2a7bef);color:#fff;border-radius:var(--r);padding:26px;margin:36px 0;text-align:center}
.cta-box .cta-h{color:#fff;margin:0 0 6px;font-size:24px}.cta-box p{margin:0 0 16px;color:#e6efff}.cta-box .cta-note{font-size:13px;margin:12px 0 0;opacity:.85}
.table-wrap{overflow-x:auto;margin:20px 0;border:1px solid var(--line);border-radius:10px}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:15px}th,td{padding:11px 13px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:#f3f6fb;font-weight:700}tr:last-child td{border-bottom:0}
.pc{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:20px 0}.pc>div{border:1px solid var(--line);border-radius:10px;padding:14px 18px}
.pc h3{margin-top:4px}.pros h3{color:var(--good)}.cons h3{color:var(--bad)}.pc ul{padding-left:20px;margin:0}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:14px;margin:20px 0}
.card{display:block;border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;text-decoration:none;color:var(--ink);background:#fff;transition:border-color .15s,transform .15s}
.card:hover{border-color:var(--blue);transform:translateY(-2px)}.card strong{display:block;color:var(--blue);font-size:17px;margin-bottom:4px}.card span{font-size:15px;color:var(--muted)}
.hero{text-align:center;padding:10px 0 6px}.hero .lead{max-width:640px;margin:0 auto 20px}.hero-ctas{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.related{border-top:1px solid var(--line);margin-top:36px;padding-top:6px}.related ul{padding-left:20px}
.faq details{border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:10px 0}.faq summary{cursor:pointer;font-weight:600}.faq details div{margin-top:8px}
.steps{counter-reset:s;list-style:none;padding:0}.steps>li{counter-increment:s;position:relative;padding-left:48px;margin:18px 0}
.steps>li:before{content:counter(s);position:absolute;left:0;top:0;width:34px;height:34px;border-radius:50%;background:var(--blue);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}
.site-footer{background:#0f1a2e;color:#b9c4d8;padding:40px 0 20px;font-size:15px}.site-footer a{color:#dbe5f6}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:24px}.site-footer h2{color:#fff;font-size:15px;margin:0 0 8px}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:4px 0}
.logo-foot{color:#fff;font-weight:700;font-size:18px;margin:0 0 6px}.copy{margin-top:24px;font-size:13px;opacity:.7}
@media(max-width:860px){.nav-toggle{display:block}.header-cta{display:none}.site-nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);margin:0}
.site-nav.open{display:block}.site-nav ul{flex-direction:column;padding:8px 12px}.site-nav a{padding:12px}
.pc{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){body{font-size:16px}.footer-grid{grid-template-columns:1fr}.btn{display:block}}