*{box-sizing:border-box;margin:0;padding:0}
:root{--primary:#2563eb;--primary-dark:#1d4ed8;--text:#172033;--muted:#64748b;--bg:#f7f9fc;--card:#fff;--border:#e5eaf1;--shadow:0 12px 35px rgba(15,23,42,.08)}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:var(--bg);line-height:1.75}
a{color:var(--primary);text-decoration:none}a:hover{text-decoration:underline}
.container{width:min(1120px,calc(100% - 32px));margin:auto}
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}
.header-inner{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.brand{display:flex;align-items:center;gap:12px;color:var(--text);text-decoration:none}
.logo,.footer-logo{width:48px;height:48px;object-fit:contain;border-radius:12px}
.brand-text{display:flex;flex-direction:column}.brand-title{font-weight:800;font-size:17px}.brand-subtitle{font-size:12px;color:var(--muted)}
.navigation{display:flex;gap:25px}.navigation a{font-size:14px;font-weight:650;color:#334155}
.hero{padding:76px 0 70px;background:linear-gradient(135deg,#eff6ff,#fff)}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:55px;align-items:center}
.badge,.eyebrow{display:inline-flex;align-items:center;color:var(--primary);background:#eaf2ff;border-radius:999px;padding:6px 12px;font-size:12px;font-weight:800;letter-spacing:.02em;text-transform:uppercase}
h1{font-size:clamp(36px,5vw,60px);line-height:1.08;letter-spacing:-.045em;margin:20px 0}
h2{font-size:clamp(27px,3vw,38px);line-height:1.2;letter-spacing:-.025em;margin:0 0 20px}
h3{line-height:1.3}.lead{font-size:19px;color:#526176;max-width:720px}
.quick-points{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}.quick-points span{background:#fff;border:1px solid var(--border);padding:8px 12px;border-radius:10px;font-size:13px;font-weight:650}
.intro-card{background:#fff;border:1px solid var(--border);border-radius:24px;padding:30px;box-shadow:var(--shadow)}
.card-icon{font-size:30px;margin-bottom:12px}.intro-card p{color:var(--muted);margin-bottom:22px}
.primary-button{display:inline-flex;background:var(--primary);color:#fff;padding:12px 18px;border-radius:11px;font-weight:750;text-decoration:none}.primary-button:hover{background:var(--primary-dark);text-decoration:none}
.article-section{padding:75px 0}.content-wrap{display:flex;justify-content:center}.article{width:min(820px,100%);background:#fff;border:1px solid var(--border);border-radius:24px;padding:48px;box-shadow:0 8px 28px rgba(15,23,42,.045)}
.article h2{margin-top:42px}.article p{font-size:17px;color:#445267;margin:0 0 20px}.article a{font-weight:650}.info-box{background:#f0f7ff;border-left:4px solid var(--primary);padding:18px 20px;border-radius:10px;margin:30px 0;color:#334155}
.plan-card{background:#f8fafc;border:1px solid var(--border);border-radius:18px;padding:28px;margin:35px 0}.plan-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.plan-grid div{background:#fff;border:1px solid var(--border);padding:18px;border-radius:13px}.plan-grid b{display:block;margin-bottom:5px}.plan-grid span{display:block;color:var(--muted);font-size:14px}
.source-note{border-top:1px solid var(--border);margin-top:45px;padding-top:28px}.source-note h3{margin-bottom:12px}.source-note p,.source-note li{font-size:14px;color:var(--muted)}.source-note ul{padding-left:20px}

.faq-section{padding:45px 0 75px}.narrow{max-width:820px}.faq-section h2{margin-top:15px}.faq-item{background:#fff;border:1px solid var(--border);border-radius:14px;margin:10px 0;padding:0 18px}.faq-item summary{cursor:pointer;padding:18px 0;font-weight:750}.faq-item p{color:var(--muted);padding:0 0 18px;font-size:15px}
.footer{background:#101827;color:#cbd5e1;padding:45px 0 0}.footer-grid{display:grid;grid-template-columns:1.4fr .8fr;gap:45px}.footer-brand{display:flex;gap:15px}.footer-brand h3{color:#fff;margin-bottom:7px}.footer-brand p{font-size:14px;max-width:600px}.footer-links{display:grid;grid-template-columns:1fr 1fr;gap:10px}.footer-links a{color:#cbd5e1;font-size:14px}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:35px;padding:20px 0;display:flex;justify-content:space-between;gap:20px;font-size:12px}.association-note{max-width:650px;text-align:right;color:#94a3b8}

.desktop-banner{display:block;padding:35px 0 55px}
.desktop-banner .section-header{text-align:center;margin-bottom:22px}
.desktop-banner #bannerd{display:block}
.desktop-banner #bannerd img{display:block;width:100%;max-width:760px;margin:0 auto;border-radius:20px}
.mobile-banner{display:none}
.mobile-banner img{display:block;width:100%;height:auto;border-radius:12px}

@media(max-width:800px){.navigation{display:none}.hero{padding:48px 0}.hero-grid{grid-template-columns:1fr;gap:28px}.article-section{padding:35px 0}.article{padding:27px 20px;border-radius:18px}.article p{font-size:16px}.plan-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}.association-note{text-align:left}.footer-links{max-width:450px}}