:root{
  --navy:#0a1f3b;--navy-2:#0f2f57;--blue:#1c4f86;--teal:#14b8a6;--teal-2:#0f766e;--mint:#5eead4;
  --ink:#14233a;--muted:#55657d;--line:#e3ebf5;--bg:#f6f9fc;--white:#fff;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:var(--teal-2)}
a:focus-visible,.btn:focus-visible{outline:3px solid var(--mint);outline-offset:3px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
/* Header */
.top{background:var(--navy)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;font-size:18px}
.brand img{width:38px;height:38px;border-radius:50%}
.nav{display:flex;gap:20px}
.nav a{color:#c7d6ea;text-decoration:none;font-size:15px}
.nav a:hover{color:#fff}
/* Hero */
.hero{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 55%,var(--blue) 100%);color:#fff;padding:72px 0 80px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.eyebrow{color:var(--mint);font-weight:700;letter-spacing:.14em;font-size:13px;text-transform:uppercase}
.hero h1{font-size:clamp(34px,5vw,54px);line-height:1.08;margin:12px 0 16px}
.hero p.lead{font-size:19px;color:#c7d6ea;margin:0 0 28px;max-width:540px}
.btn{display:inline-flex;align-items:center;gap:10px;background:var(--teal);color:#05201c;font-weight:700;text-decoration:none;padding:14px 22px;border-radius:12px;font-size:17px}
.btn[aria-disabled="true"]{opacity:.85;cursor:default}
.note{display:block;margin-top:14px;font-size:14px;color:#8fa6c4}
.chat{display:flex;flex-direction:column;gap:10px}
.msg{border-radius:16px;padding:11px 16px;font-size:15.5px;line-height:1.45;max-width:440px}
.me{align-self:flex-end;background:#d9fdd3;color:#0b2a1a}
.bot{align-self:flex-start;background:#fff;color:var(--ink)}
.bot b{color:var(--teal-2)}
/* Sections */
section{padding:64px 0}
section h2{font-size:clamp(26px,3.4vw,34px);margin:0 0 10px}
.sub{color:var(--muted);margin:0 0 32px;max-width:640px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px}
.card .num{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--mint);font-weight:700;margin-bottom:10px}
.card h3{margin:0 0 6px;font-size:18px}
.card p{margin:0;color:var(--muted)}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 16px;font-size:15px}
.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.notice{background:#fff8eb;border:1px solid #f5d9a8;border-radius:14px;padding:18px 20px;color:#5c4210}
.notice strong{color:#3d2c08}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}
summary{cursor:pointer;font-weight:600}
details p{margin:10px 0 0;color:var(--muted)}
/* Footer */
footer{background:var(--navy);color:#8fa6c4;padding:32px 0;font-size:14px}
footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px}
footer a{color:#c7d6ea;text-decoration:none;margin-right:16px}
footer a:hover{color:#fff}
/* Legal pages */
.legal{background:#fff;border:1px solid var(--line);border-radius:16px;padding:36px clamp(20px,4vw,48px);margin:40px auto;max-width:820px}
.legal h1{font-size:32px;margin:0 0 4px}
.legal .updated{color:var(--muted);margin:0 0 24px}
.legal h2{font-size:21px;margin:30px 0 8px}
.legal ul{padding-left:22px}
.legal li{margin:4px 0}
@media (max-width:820px){
  .hero{padding:48px 0 56px}
  .hero .wrap{grid-template-columns:1fr;gap:32px}
  .grid3{grid-template-columns:1fr}
  .nav{display:none}
  section{padding:48px 0}
}