:root{--navy:#002244;--red:#C60C30;--silver:#B0B7BC;--bg:#FAFAF7;--white:#fff;--text:#1b2433;--muted:#556070;--line:#e2e5e8}
*{box-sizing:border-box;margin:0}html{scroll-behavior:smooth}body{font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:var(--bg);color:var(--text);line-height:1.6}
a{color:var(--red)}.wrap{max-width:1100px;margin:0 auto;padding:0 24px}
header.top{background:var(--white);border-bottom:4px solid var(--navy);box-shadow:0 2px 0 var(--red) inset}
nav{display:flex;justify-content:space-between;align-items:center;padding:14px 0}
.logo{display:flex;gap:10px;align-items:center;font-weight:800;color:var(--navy);text-decoration:none;font-size:1.15rem}.logo img{width:40px}
nav ul{display:flex;gap:22px;list-style:none;padding:0}nav ul a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}nav ul a:hover{color:var(--red)}
.hero{background:linear-gradient(180deg,#fff,#F1F3F5);border-bottom:1px solid var(--line);padding:70px 0;
background-image:repeating-linear-gradient(90deg,transparent 0 109px,rgba(0,34,68,.05) 109px 110px),linear-gradient(180deg,#fff,#F1F3F5)}
.hero .wrap{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center}
.eyebrow{display:inline-block;background:var(--navy);color:#fff;font-weight:700;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;padding:5px 12px;border-radius:4px;margin-bottom:18px}
h1{font-size:clamp(2.2rem,5vw,3.6rem);line-height:1.08;color:var(--navy);letter-spacing:-.02em}h1 span{color:var(--red)}
.hero p{color:var(--muted);font-size:1.15rem;margin:18px 0 28px;max-width:560px}
.hero img{width:100%;max-width:360px;justify-self:center;filter:drop-shadow(0 14px 20px rgba(0,34,68,.18))}
.btn{display:inline-block;background:var(--red);color:#fff;font-weight:700;padding:12px 22px;border-radius:8px;text-decoration:none}.btn.alt{background:#fff;color:var(--navy);border:2px solid var(--navy);margin-left:10px}
section{padding:72px 0}section.alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.kicker{color:var(--red);font-weight:800;letter-spacing:.12em;text-transform:uppercase;font-size:.8rem}
h2{color:var(--navy);font-size:2rem;margin:4px 0 8px}.sub{color:var(--muted);margin-bottom:34px;max-width:680px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px;counter-reset:s;list-style:none;padding:0}
.steps li{background:#fff;border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:10px;padding:22px}
.steps li::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--red);color:#fff;font-weight:800;margin-bottom:10px}
h3{color:var(--navy);margin-bottom:6px;font-size:1.1rem}.steps p,.card p,.tip p{color:var(--muted);font-size:.95rem}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:22px;border-left:5px solid var(--red);transition:.2s}.card:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(0,34,68,.1)}
.card .no{font-size:.75rem;font-weight:800;color:var(--silver);letter-spacing:.1em}
.tips{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:16px}
.tip{display:flex;gap:14px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px}.tip b{flex:none;width:30px;height:30px;border-radius:6px;background:var(--navy);color:#fff;display:grid;place-items:center}
details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px 20px;margin-bottom:12px}summary{cursor:pointer;font-weight:700;color:var(--navy)}details p{color:var(--muted);margin-top:10px}
footer{background:var(--navy);color:#dfe4ea;padding:30px 0;border-top:6px solid var(--red);font-size:.9rem}footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;align-items:center}footer img{width:30px;vertical-align:middle;margin-right:8px}footer small{color:var(--silver)}
.center{min-height:70vh;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;gap:14px;padding:40px 24px}.center img{width:160px}
@media(max-width:900px){.grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){.grid{grid-template-columns:1fr}nav ul{display:none}.hero .wrap{grid-template-columns:1fr}.hero img{max-width:220px;order:-1}.btn.alt{margin:12px 0 0}}