*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,Ubuntu,Cantarell,Helvetica Neue,Arial,sans-serif;color:#2d3748;background:#fff;line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto;display:block}a{color:#1a3a5c;text-decoration:none;transition:color .2s}a:hover{color:#f0b429}ul,ol{list-style:none}button{cursor:pointer;border:none;background:none;font:inherit}input,select,textarea{font:inherit}:root{--blue:#1a3a5c;--blue-light:#234b73;--blue-dark:#0f2640;--gold:#f0b429;--gold-dark:#d9a21e;--gold-light:#f5c954;--gray-50:#f5f7fa;--gray-100:#e2e8f0;--gray-200:#cbd5e0;--gray-300:#a0aec0;--gray-600:#4a5568;--gray-700:#2d3748;--gray-800:#1a202c;--white:#ffffff;--success:#38a169;--warning:#dd6b20;--error:#e53e3e;--info:#3182ce;--radius:8px;--radius-lg:12px;--shadow:0 1px 3px rgba(0,0,0,.1),0 1px 2px rgba(0,0,0,.06);--shadow-md:0 4px 6px rgba(0,0,0,.07),0 2px 4px rgba(0,0,0,.06);--shadow-lg:0 10px 15px rgba(0,0,0,.1),0 4px 6px rgba(0,0,0,.05);--max-w:1120px;--transition:.25s ease}.container{width:100%;max-width:var(--max-w);margin:0 auto;padding:0 20px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}.text-center{text-align:center}h1,h2,h3,h4{color:var(--blue);line-height:1.2;font-weight:700}h1{font-size:clamp(1.75rem,4vw,2.5rem);margin-bottom:24px}h2{font-size:clamp(1.35rem,3vw,1.85rem);margin-bottom:20px}h3{font-size:clamp(1.1rem,2.5vw,1.4rem);margin-bottom:16px}p{margin-bottom:16px;color:var(--gray-600);line-height:1.65}strong{font-weight:600}.site-header{position:sticky;top:0;z-index:100;background:var(--white);border-bottom:1px solid var(--gray-100);transition:box-shadow var(--transition)}.site-header.scrolled{box-shadow:var(--shadow-md)}.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px}.logo{font-size:1.25rem;font-weight:700;color:var(--blue);display:flex;align-items:center;gap:8px}.logo span{color:var(--gold)}.nav-toggle{display:flex;flex-direction:column;gap:5px;width:28px;padding:4px 0;z-index:110}.nav-toggle span{display:block;height:2px;background:var(--blue);border-radius:2px;transition:var(--transition)}.nav-toggle.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}.nav-toggle.active span:nth-child(2){opacity:0}.nav-toggle.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.main-nav{position:fixed;top:0;right:-100%;width:280px;height:100vh;background:var(--white);padding:80px 32px 32px;transition:right .3s ease;z-index:105;box-shadow:var(--shadow-lg)}.main-nav.open{right:0}.main-nav a{display:block;padding:12px 0;font-size:1.05rem;font-weight:500;color:var(--gray-700);border-bottom:1px solid var(--gray-100)}.main-nav a:hover,.main-nav a.active{color:var(--gold)}.nav-overlay{position:fixed;top:0;right:0;bottom:0;left:0;background:#0006;z-index:104;opacity:0;pointer-events:none;transition:opacity .3s}.nav-overlay.show{opacity:1;pointer-events:auto}@media (min-width:768px){.nav-toggle,.nav-overlay{display:none}.main-nav{position:static;width:auto;height:auto;padding:0;box-shadow:none;display:flex;gap:4px;background:transparent}.main-nav a{display:inline-block;padding:8px 14px;font-size:.925rem;border-bottom:none;border-radius:var(--radius);transition:background var(--transition),color var(--transition)}.main-nav a:hover,.main-nav a.active{background:var(--gray-50);color:var(--blue)}}.hero{background:linear-gradient(135deg,var(--blue) 0%,var(--blue-light) 100%);color:var(--white);padding:64px 0 56px;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;bottom:-40px;left:-10%;width:120%;height:80px;background:var(--white);border-radius:50%;pointer-events:none}.hero h1{color:var(--white);max-width:700px}.hero p{color:#ffffffe0;max-width:600px;font-size:1.1rem}.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 28px;border-radius:var(--radius);font-weight:600;font-size:.95rem;transition:all var(--transition);letter-spacing:.01em}.btn-primary{background:var(--gold);color:var(--blue-dark);box-shadow:0 2px 8px #f0b4294d}.btn-primary:hover{background:var(--gold-dark);color:var(--blue-dark);transform:translateY(-1px);box-shadow:0 4px 12px #f0b42966}.btn-secondary{background:#ffffff26;color:var(--white);border:1px solid rgba(255,255,255,.3)}.btn-secondary:hover{background:#ffffff40;color:var(--white)}.btn-outline{border:2px solid var(--blue);color:var(--blue);background:transparent}.btn-outline:hover{background:var(--blue);color:var(--white)}.section{padding:56px 0}.section-alt{background:var(--gray-50)}.section-title{text-align:center;margin-bottom:40px}.section-title p{max-width:600px;margin:8px auto 0;color:var(--gray-300)}.card{background:var(--white);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow);border:1px solid var(--gray-100);transition:transform var(--transition),box-shadow var(--transition)}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}.card-icon{width:48px;height:48px;border-radius:var(--radius);background:var(--gray-50);display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:1.5rem}.card h3{font-size:1.1rem}.grid-2,.grid-3{display:grid;gap:24px}@media (min-width:640px){.grid-2{grid-template-columns:repeat(2,1fr)}}@media (min-width:640px){.grid-3{grid-template-columns:repeat(2,1fr)}}@media (min-width:900px){.grid-3{grid-template-columns:repeat(3,1fr)}}.breadcrumb{padding:16px 0;font-size:.875rem}.breadcrumb ol{display:flex;flex-wrap:wrap;gap:4px;align-items:center}.breadcrumb li{display:flex;align-items:center;gap:4px;color:var(--gray-300)}.breadcrumb a{color:var(--gray-600)}.breadcrumb a:hover{color:var(--gold)}.breadcrumb li:last-child{color:var(--blue);font-weight:500}.breadcrumb .sep{color:var(--gray-200)}.progress-bar{position:sticky;top:64px;z-index:90;background:var(--gray-100);height:4px}.progress-bar .fill{height:100%;background:var(--gold);width:0;transition:width .3s}.step{padding:32px 0;border-bottom:1px solid var(--gray-100)}.step:last-child{border-bottom:none}.step-number{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--blue);color:var(--white);font-weight:700;font-size:1rem;margin-bottom:16px;flex-shrink:0}.step h2{display:flex;align-items:center;gap:16px}.step-content{margin-top:16px}.step-content p{margin-bottom:12px}.step-content ul,.step-content ol{margin:12px 0 16px 24px}.step-content li{margin-bottom:8px;color:var(--gray-600);position:relative;padding-left:8px}.step-content ol{list-style:decimal}.step-content ul li:before{content:"";position:absolute;left:-12px;top:10px;width:5px;height:5px;border-radius:50%;background:var(--gold)}.calc-form{max-width:640px;margin:0 auto}.form-group{margin-bottom:20px}.form-group label{display:block;font-weight:600;color:var(--blue);margin-bottom:6px;font-size:.95rem}.form-group .hint{font-size:.825rem;color:var(--gray-300);margin-bottom:4px}.form-group input,.form-group select{width:100%;padding:12px 16px;border:2px solid var(--gray-100);border-radius:var(--radius);font-size:1rem;transition:border-color var(--transition);background:var(--white)}.form-group input:focus,.form-group select:focus{outline:none;border-color:var(--blue)}.calc-btn{width:100%;padding:16px;background:var(--gold);color:var(--blue-dark);font-size:1.1rem;font-weight:700;border-radius:var(--radius);transition:all var(--transition)}.calc-btn:hover{background:var(--gold-dark);transform:translateY(-1px)}.calc-result{margin-top:32px;padding:32px;background:var(--gray-50);border-radius:var(--radius-lg);border:2px solid var(--gold);display:none}.calc-result.visible{display:block;animation:fadeIn .4s ease}.calc-result .total{font-size:clamp(1.8rem,4vw,2.4rem);font-weight:700;color:var(--blue);margin:16px 0}.calc-result .breakdown{margin-top:16px}.calc-result .breakdown .line{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--gray-100);font-size:.95rem}.calc-result .breakdown .line:last-child{border-bottom:none;font-weight:700;color:var(--blue)}.legal-notice{margin-top:24px;padding:16px;background:#fffbeb;border-left:4px solid var(--gold);border-radius:0 var(--radius) var(--radius) 0;font-size:.875rem;color:var(--gray-600)}.faq-item{border:1px solid var(--gray-100);border-radius:var(--radius);margin-bottom:12px;overflow:hidden;transition:box-shadow var(--transition)}.faq-item:hover{box-shadow:var(--shadow)}.faq-question{width:100%;text-align:left;padding:20px 48px 20px 20px;font-size:1rem;font-weight:600;color:var(--blue);background:var(--white);position:relative;transition:background var(--transition)}.faq-question:after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:1.4rem;font-weight:300;color:var(--gray-300);transition:transform .25s}.faq-item.open .faq-question:after{content:"−";transform:translateY(-50%)}.faq-item.open .faq-question{background:var(--gray-50)}.faq-answer{max-height:0;overflow:hidden;transition:max-height .35s ease}.faq-answer-inner{padding:0 20px 20px}.faq-answer-inner p{margin-bottom:10px}.blog-card{overflow:hidden;border-radius:var(--radius-lg)}.blog-card img{width:100%;height:200px;object-fit:cover;transition:transform .4s}.blog-card:hover img{transform:scale(1.03)}.blog-card-body{padding:24px}.blog-card-body .tag{display:inline-block;padding:4px 10px;background:var(--gray-50);color:var(--blue);font-size:.75rem;font-weight:600;border-radius:20px;margin-bottom:12px;text-transform:uppercase;letter-spacing:.03em}.blog-card-body h3{margin-bottom:8px}.blog-card-body h3 a{color:var(--blue)}.blog-card-body h3 a:hover{color:var(--gold)}.blog-card-body .excerpt{font-size:.9rem;color:var(--gray-300);margin-bottom:12px}.blog-card-body .meta{font-size:.8rem;color:var(--gray-300)}.article-header{padding:48px 0 32px}.article-header .meta{font-size:.875rem;color:var(--gray-300);margin-bottom:12px}.article-content{max-width:720px;margin:0 auto;padding-bottom:48px}.article-content h2{margin-top:36px}.article-content h3{margin-top:28px}.article-content p{font-size:1.025rem;line-height:1.7}.article-content ul,.article-content ol{margin:12px 0 20px 24px}.article-content ol{list-style:decimal}.article-content li{margin-bottom:8px;color:var(--gray-600);padding-left:4px}.article-content ul li{list-style:disc}.article-content blockquote{margin:24px 0;padding:16px 24px;border-left:4px solid var(--gold);background:var(--gray-50);border-radius:0 var(--radius) var(--radius) 0}.article-content blockquote p{margin-bottom:0;font-style:italic}.adsense-slot{background:var(--gray-50);border:1px dashed var(--gray-200);border-radius:var(--radius);padding:24px;text-align:center;margin:28px 0;min-height:90px;display:flex;align-items:center;justify-content:center;color:var(--gray-300);font-size:.8rem}.floating-cta{position:fixed;bottom:24px;right:24px;z-index:95;background:var(--gold);color:var(--blue-dark);padding:14px 24px;border-radius:50px;font-weight:700;font-size:.9rem;box-shadow:0 4px 16px #f0b42966;transition:all var(--transition);display:flex;align-items:center;gap:8px}.floating-cta:hover{background:var(--gold-dark);color:var(--blue-dark);transform:translateY(-2px);box-shadow:0 6px 20px #f0b42980}.floating-cta .icon{font-size:1.1rem}@media (max-width:480px){.floating-cta{bottom:16px;right:16px;padding:12px 18px;font-size:.8rem}}.site-footer{background:var(--blue-dark);color:#ffffffb3;padding:48px 0 24px}.footer-grid{display:grid;gap:32px;margin-bottom:32px}@media (min-width:640px){.footer-grid{grid-template-columns:repeat(2,1fr)}}@media (min-width:900px){.footer-grid{grid-template-columns:2fr 1fr 1fr}}.footer-grid h4{color:var(--white);font-size:1rem;margin-bottom:16px}.footer-grid a{color:#fff9;display:block;padding:4px 0;font-size:.9rem;transition:color var(--transition)}.footer-grid a:hover{color:var(--gold)}.footer-disclaimer{font-size:.8rem;color:#fff6;margin-top:16px;line-height:1.5}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:.825rem;color:#fff6}@keyframes fadeIn{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.fade-in{opacity:0;transform:translateY(16px);transition:opacity .5s ease,transform .5s ease}.fade-in.visible{opacity:1;transform:translateY(0)}.legal-content{max-width:720px;margin:0 auto;padding:40px 0 56px}.legal-content h2{margin-top:32px}.legal-content p,.legal-content li{font-size:.95rem;line-height:1.7}.legal-content ul{margin:12px 0 20px 24px}.legal-content ul li{list-style:disc;margin-bottom:6px;color:var(--gray-600)}.page-404{min-height:60vh;display:flex;align-items:center;justify-content:center;text-align:center;padding:48px 20px}.page-404 h1{font-size:clamp(4rem,10vw,7rem);color:var(--gray-200);margin-bottom:8px}.page-404 p{font-size:1.1rem;margin-bottom:24px}@media (min-width:900px){.content-with-sidebar{display:grid;grid-template-columns:1fr 300px;gap:40px}.sidebar{position:sticky;top:84px;align-self:start}.sidebar .adsense-slot{margin:0 0 24px}}