:root{
  --blue:#0b6fb3; --blue2:#0d8bd8; --orange:#ff8a24; --ink:#14213d; --muted:#556070;
  --soft:#f4fbff; --line:#dceaf4; --white:#fff; --green:#0a7a42;
}
*{box-sizing:border-box}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.topbar{background:var(--soft);border-bottom:1px solid var(--line);font-size:.9rem}
.topbar .wrap{max-width:1180px;margin:0 auto;padding:8px 16px;display:flex;gap:14px;flex-wrap:wrap;justify-content:space-between}
.header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}
.navwrap{max-width:1180px;margin:0 auto;padding:12px 16px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;color:var(--ink)}
.brand img{width:54px;height:54px;object-fit:contain}
.brand small{display:block;font-size:.78rem;color:var(--muted);font-weight:600}
.nav{display:flex;align-items:center;gap:18px}
.nav a,.dropbtn{font-weight:700;color:var(--ink);background:none;border:none;font:inherit;cursor:pointer}
.dropdown{position:relative}
.dropdown-menu{display:none;position:absolute;top:32px;right:0;background:#fff;border:1px solid var(--line);box-shadow:0 12px 30px rgba(0,0,0,.08);border-radius:14px;min-width:240px;padding:10px}
.dropdown:hover .dropdown-menu,.dropdown.open .dropdown-menu{display:grid;gap:4px}
.dropdown-menu a{padding:9px;border-radius:8px}
.dropdown-menu a:hover{background:var(--soft);text-decoration:none}
.menu-toggle{display:none;background:var(--blue);color:white;border:none;border-radius:12px;padding:10px 12px;font-weight:800}
.cta{display:inline-block;background:var(--orange);color:#111;font-weight:800;padding:12px 18px;border-radius:14px;box-shadow:0 6px 18px rgba(255,138,36,.25)}
.cta.secondary{background:var(--blue);color:white}
.hero{background:linear-gradient(135deg,#f6fbff,#fff5ec);border-bottom:1px solid var(--line)}
.wrap{max-width:1180px;margin:0 auto;padding:32px 16px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:30px;align-items:center}
h1{font-size:clamp(2rem,4vw,3.6rem);line-height:1.05;margin:0 0 14px}
h2{font-size:clamp(1.5rem,2.6vw,2.3rem);line-height:1.15;margin:26px 0 10px}
h3{font-size:1.25rem;margin:20px 0 8px}
.lead{font-size:1.15rem;color:var(--muted);max-width:780px}
.card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:22px;box-shadow:0 14px 35px rgba(0,0,0,.06)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.pill-list{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0}
.pill{border:1px solid var(--line);border-radius:999px;padding:9px 13px;background:#fff;font-weight:700}
.trust{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:140px 1fr;gap:20px;align-items:center}
.trust img{width:140px;height:140px;object-fit:cover;border-radius:18px;border:1px solid var(--line);background:#f5f5f5}
.formbox iframe{width:100%;min-height:720px;border:0;border-radius:16px;background:#fff}
.notice{font-size:.9rem;color:var(--muted)}
.footer{background:#10233b;color:#fff;margin-top:36px}
.footer a{color:#fff;text-decoration:underline}
.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:22px}
.breadcrumb{font-size:.9rem;color:var(--muted);margin-bottom:14px}
.resource{border-left:5px solid var(--orange);background:#fffaf5;padding:18px;border-radius:16px}
@media(max-width:860px){
  .hero-grid,.grid3,.grid2,.footergrid,.trust-grid{grid-template-columns:1fr}
  .nav{display:none;position:absolute;left:0;right:0;top:79px;background:#fff;border-bottom:1px solid var(--line);padding:14px 16px;flex-direction:column;align-items:stretch}
  .nav.open{display:flex}
  .menu-toggle{display:inline-block}
  .dropdown-menu{position:static;box-shadow:none;border:1px solid var(--line);margin-top:8px}
  .dropdown:hover .dropdown-menu{display:none}
  .dropdown.open .dropdown-menu{display:grid}
  .cta{width:100%;text-align:center;margin-top:8px}
  .topbar .wrap{display:block}
}