:root {
  --navy: #00132b;
  --orange: #ff6105;
  --line: #e5e9f0;
  --muted: #5a6b80;
  --bg: #ffffff;
  --soft: #fbfdff;
  --max: 1080px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--navy);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--orange); }
a:hover { text-decoration: underline; }

.wrap { width: min(var(--max), calc(100% - 32px)); margin: 0 auto; }

.header { border-bottom: 1px solid var(--line); padding: 18px 0; background: #fff; position: sticky; top: 0; z-index: 10; }
.header__inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.header__logo { font-weight: 900; color: var(--navy); text-decoration: none; font-size: 20px; letter-spacing: -.01em; }
.header__logo b { color: var(--orange); }
.header__cta {
  display: inline-flex; align-items: center;
  padding: 10px 18px; background: var(--orange); color: #fff;
  font-weight: 800; border-radius: 10px; text-decoration: none; font-size: 14px;
}
.header__cta:hover { background: #e65500; text-decoration: none; }

.breadcrumb { font-size: 13px; color: var(--muted); padding: 18px 0 4px; }
.breadcrumb a { color: var(--muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--orange); }
.breadcrumb span { margin: 0 8px; opacity: .5; }

.hero { padding: 24px 0 56px; }
.hero h1 { font-size: clamp(32px, 5vw, 48px); line-height: 1.08; letter-spacing: -.03em; margin: 0 0 18px; color: var(--navy); }
.hero .lead { font-size: 18px; color: var(--muted); max-width: 660px; margin: 0 0 28px; }
.hero .cta { display: inline-flex; align-items: center; gap: 10px; padding: 16px 28px; background: var(--orange); color: #fff; font-weight: 800; border-radius: 12px; text-decoration: none; font-size: 16px; transition: background .2s ease, transform .2s ease; }
.hero .cta:hover { background: #e65500; transform: translateY(-1px); text-decoration: none; }

section { padding: 44px 0; border-top: 1px solid var(--line); }
section:first-of-type { border-top: 0; }
section h2 { font-size: clamp(24px, 3.4vw, 32px); line-height: 1.18; letter-spacing: -.02em; margin: 0 0 16px; color: var(--navy); }
section p { color: var(--muted); max-width: 760px; margin: 0 0 14px; }
section p:last-child { margin-bottom: 0; }

.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; margin-top: 26px; }
.card { padding: 22px; border: 1px solid var(--line); border-radius: 14px; background: #fff; }
.card h3 { font-size: 16px; margin: 0 0 8px; color: var(--navy); font-weight: 800; }
.card p { font-size: 14.5px; margin: 0; color: var(--muted); line-height: 1.55; }

.list { margin: 16px 0 0; padding: 0; list-style: none; }
.list li { padding: 10px 0 10px 26px; position: relative; color: var(--muted); border-bottom: 1px solid var(--line); }
.list li:last-child { border-bottom: 0; }
.list li::before {
  content: ""; position: absolute; left: 0; top: 18px;
  width: 14px; height: 14px; border-radius: 50%;
  background: var(--orange); opacity: .15;
}
.list li::after {
  content: ""; position: absolute; left: 5px; top: 23px;
  width: 4px; height: 4px; border-radius: 50%;
  background: var(--orange);
}

.faq-list { margin-top: 24px; }
.faq-list details {
  padding: 18px 22px;
  border: 1px solid var(--line);
  border-radius: 12px;
  margin-bottom: 10px;
  background: #fff;
}
.faq-list summary {
  cursor: pointer;
  font-weight: 800;
  color: var(--navy);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+"; color: var(--orange); font-size: 22px; font-weight: 800;
  transition: transform .25s ease;
}
.faq-list details[open] summary::after { transform: rotate(45deg); }
.faq-list p { margin: 12px 0 0; }

.related-links { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.related-links a {
  padding: 10px 16px; border-radius: 10px;
  background: #fef3eb; color: var(--orange);
  text-decoration: none; font-weight: 700; font-size: 14px;
  border: 1px solid #ffd6bd;
}
.related-links a:hover { background: #ffe0cb; }

.cta-band { padding: 64px 0; text-align: center; background: var(--navy); color: #fff; border-top: 0; }
.cta-band h2 { color: #fff; margin-bottom: 12px; }
.cta-band p { color: rgba(255,255,255,.72); margin: 0 auto 28px; max-width: 540px; }
.cta-band .cta {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 16px 32px; background: var(--orange); color: #fff;
  font-weight: 800; border-radius: 12px; text-decoration: none;
  font-size: 16px; transition: background .2s ease, transform .2s ease;
}
.cta-band .cta:hover { background: #e65500; transform: translateY(-1px); text-decoration: none; }

.footer { border-top: 1px solid var(--line); padding: 32px 0; color: var(--muted); font-size: 14px; }
.footer a { color: var(--muted); text-decoration: none; }
.footer a:hover { color: var(--orange); }
.footer__row { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }

.hubs-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 10px; margin-top: 22px; }
.hubs-grid a {
  display: block; padding: 14px 18px;
  border: 1px solid var(--line); border-radius: 12px;
  background: #fff; color: var(--navy);
  text-decoration: none; font-weight: 700; font-size: 14.5px;
  transition: border-color .2s ease, transform .2s ease;
}
.hubs-grid a:hover { border-color: var(--orange); transform: translateY(-2px); text-decoration: none; }
.hubs-grid a span { display: block; font-size: 12px; color: var(--muted); font-weight: 500; margin-top: 2px; }

@media (max-width: 640px) {
  .header__cta { display: none; }
  .hero { padding: 20px 0 36px; }
  section { padding: 32px 0; }
  .cta-band { padding: 48px 0; }
  .grid { grid-template-columns: 1fr; }
}