*{margin:0;padding:0;box-sizing:border-box;font-family:Arial,Helvetica,sans-serif;}
body{background:#f5f7fb;color:#222;line-height:1.7;}
a{color:inherit;text-decoration:none;}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px;}
.topbar{background:#0f172a;position:sticky;top:0;z-index:50;}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;height:62px;flex-wrap:wrap;}
.brand{color:#fff;font-weight:800;font-size:20px;}
.links{display:flex;gap:16px;flex-wrap:wrap;}
.links a{color:#cbd5e1;font-size:14px;font-weight:600;padding:6px 4px;}
.links a:hover,.links a.active{color:#f59e0b;}
.page-hero{background:linear-gradient(135deg,#0f172a,#1e40af);color:#fff;padding:54px 0 46px;}
.crumb{font-size:13px;color:#bcd0f5;margin-bottom:14px;}
.crumb a{color:#bcd0f5;text-decoration:underline;}
.page-hero h1{font-size:34px;line-height:1.15;margin-bottom:14px;}
.intro{font-size:18px;max-width:760px;opacity:.95;}
.content{padding:44px 22px 10px;}
.content h2{font-size:26px;color:#0f172a;margin:34px 0 14px;}
.content h3{font-size:19px;color:#1e40af;margin:8px 0 8px;}
.content p{margin-bottom:14px;font-size:17px;}
ul.bullets{margin:0 0 18px 22px;}
ul.bullets li{margin-bottom:8px;font-size:17px;}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin:20px 0;}
.card{background:#fff;border-radius:14px;padding:22px;box-shadow:0 5px 18px rgba(0,0,0,.07);border-top:4px solid #f59e0b;}
.card p{font-size:15px;color:#555;margin:0;}
.faq details{background:#fff;border:1px solid #e6e9ef;border-radius:10px;padding:14px 18px;margin-bottom:10px;}
.faq summary{font-weight:700;cursor:pointer;color:#0f172a;list-style:none;}
.faq summary::after{content:"+";float:right;color:#1e40af;font-weight:800;}
.faq details[open] summary::after{content:"–";}
.faq p{margin-top:10px;color:#555;font-size:16px;}
.cta-box{background:#0f172a;color:#fff;border-radius:16px;padding:30px;margin:38px 0 10px;}
.cta-box h3{color:#fff;font-size:22px;margin-bottom:8px;}
.cta-box p{color:#cbd5e1;margin-bottom:16px;}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;}
.btn{display:inline-block;background:#f59e0b;color:#fff;padding:13px 22px;border-radius:9px;font-weight:700;}
.btn:hover{background:#d97706;}
.btn.wa{background:#25D366;}
.btn.wa:hover{background:#1ebe5d;}
.btn.ghost{background:transparent;border:2px solid #fff;}
.note{font-size:13px;color:#94a3b8;}
.highlight{background:#fef3c7;border-left:5px solid #f59e0b;padding:16px 20px;border-radius:10px;color:#78350f;margin:18px 0;}
footer{background:#0f172a;color:#cbd5e1;padding:34px 0;margin-top:46px;text-align:center;}
footer a{color:#f59e0b;}
footer p{margin-bottom:8px;font-size:15px;}
@media(max-width:760px){.page-hero h1{font-size:27px;}.links{gap:10px;}}