:root{
  --ink:#1b2029;--deep:#0f1720;--card:#ffffff;--paper:#f5f6f8;--line:#e2e5ea;
  --red:#d8333a;--red2:#b02027;--silver:#8a94a3;--mut:#5b6472;
  --maxw:1160px;--r:10px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--ink);font-family:"Inter","Segoe UI",system-ui,sans-serif;line-height:1.7}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
ul.list{margin:0 0 0 20px}
ul.list li{margin:8px 0}

header.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:60}
.hbar{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:11px;font-weight:800;font-size:1.4rem}
.brand img{width:32px;height:32px;border-radius:8px}
.brand small{display:block;font-size:.6rem;color:var(--red);font-weight:700;letter-spacing:.15em;text-transform:uppercase}
nav.nav{display:flex;gap:18px;align-items:center;font-size:.95rem}
nav.nav a{color:var(--mut);padding:6px 2px;border-bottom:2px solid transparent;font-weight:600}
nav.nav a:hover,nav.nav a.active{color:var(--red);border-color:var(--red)}
.nav-toggle{display:none;background:none;border:0;color:var(--ink);font-size:1.9rem;cursor:pointer}
.btn{display:inline-block;background:linear-gradient(135deg,var(--red),var(--red2));color:#fff;padding:13px 30px;border-radius:8px;font-weight:800;font-size:.95rem;box-shadow:0 8px 22px rgba(216,51,58,.25)}
.btn:hover{transform:translateY(-2px)}
.btn.ghost{background:transparent;color:var(--red);border:1.5px solid var(--red)}
.btn.sm{padding:8px 18px;font-size:.84rem}

.hero{padding:70px 0 0;background:
 radial-gradient(circle at 90% 10%, rgba(216,51,58,.1) 0, transparent 40%),
 linear-gradient(160deg,#fff,var(--paper))}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center;padding-bottom:56px}
.hero h1{font-size:clamp(2.2rem,5vw,3.4rem);line-height:1.06}
.hero h1 em{color:var(--red);font-style:normal}
.hero .sub{margin:20px 0 0;max-width:640px;color:var(--mut);font-size:1.06rem}
.hero .cta-row{margin-top:30px;display:flex;gap:14px;flex-wrap:wrap}
.hero-art{background:linear-gradient(150deg,var(--deep),#24303f);border-radius:14px;padding:32px;color:#fff;box-shadow:0 18px 40px rgba(15,23,32,.22)}
.hero-art .big{font-size:2.4rem;font-weight:900;color:#fff}
.hero-art .warn{font-size:.8rem;color:#b9c2cf;margin-top:10px}
.tlist{list-style:none;margin-top:16px}
.tlist li{padding:9px 0;border-bottom:1px dashed rgba(255,255,255,.16);font-size:.92rem}
.tlist li b{color:#ff9ca0}

section.blk{padding:60px 0}
section.blk.alt{background:#edf0f4}
h2.sec{font-size:1.8rem;font-weight:900;margin-bottom:12px;color:var(--deep)}
p.sec-sub{color:var(--mut);margin-bottom:34px;max-width:660px}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:0 6px 18px rgba(15,30,50,.05)}
.card h3{font-size:1.12rem;margin-bottom:10px;color:var(--red)}
.card p{color:var(--mut);font-size:.95rem}
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.panel{background:var(--deep);color:#c8d0da;border-radius:var(--r);padding:28px}
.panel b{color:#fff}
.panel span{color:#9aa6b5;font-size:.92rem}
.ph{border-bottom:1px dashed rgba(255,255,255,.16);padding:12px 0}
.ph:last-child{border-bottom:0}

table.cmp{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
table.cmp th,table.cmp td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);font-size:.92rem}
table.cmp th{background:var(--deep);color:#fff;font-weight:700}
table.cmp tr:last-child td{border-bottom:0}
table.cmp td b{color:var(--red)}

.reco{display:inline-block;background:#fdecec;color:var(--red);border:1px solid #f5b8ba;font-size:.72rem;font-weight:700;padding:2px 8px;border-radius:999px}

.cta-band{background:linear-gradient(135deg,var(--deep),#25333f);border-radius:var(--r);padding:40px;color:#fff;text-align:center}
.cta-band h2{color:#fff;margin-bottom:10px}
.cta-band p{color:#b9c2cf;margin-bottom:24px}

footer.ft{background:var(--deep);color:#9aa6b5;padding:50px 0 44px;margin-top:20px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:34px}
footer h4{color:#fff;font-size:.95rem;margin-bottom:14px}
footer nav a{display:block;color:#9aa6b5;padding:5px 0;font-size:.92rem}
footer nav a:hover{color:#ff9ca0}
.copy{margin-top:34px;padding-top:22px;border-top:1px solid rgba(255,255,255,.14);display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.82rem}
footer .risk{font-size:.76rem;color:#7d8a9c;line-height:1.6;margin-top:18px}

details.faq{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:18px 20px;margin-bottom:12px}
details.faq summary{cursor:pointer;font-weight:700;color:var(--deep)}
details.faq summary::marker{color:var(--red)}
details.faq .a{padding-top:12px;color:var(--mut);font-size:.95rem}

.crumb{background:#edf0f4;color:var(--mut);padding:16px 0;font-size:.85rem}
.crumb a{color:var(--red);font-weight:600}

@media(max-width:880px){
  .g3,.g4{grid-template-columns:repeat(2,1fr)}
  .split,.fgrid{grid-template-columns:1fr}
  .hero .wrap{grid-template-columns:1fr}
  .nav-toggle{display:block}
  nav.nav{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;flex-direction:column;padding:20px 24px;gap:16px;align-items:flex-start;border-top:1px solid var(--line)}
  nav.nav.open{display:flex}
}
@media(max-width:520px){.g2,.g3,.g4{grid-template-columns:1fr}}