:root{--bg:#f8fafc;--surface:#fff;--ink:#0f172a;--muted:#475569;--line:#dbe4ef;--blue:#10538e;--cyan:#14b8a6;--orange:#f97316;--shadow:0 18px 44px rgba(15,23,42,.10);--radius:24px}*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.62}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;display:block}.container{width:min(100% - 32px,1180px);margin:0 auto}.skip-link{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 12px;border-radius:10px}.skip-link:focus{left:8px;z-index:10}.header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.93);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0}.logo{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:900;letter-spacing:-.03em}.logo-mark{width:40px;height:40px;border-radius:14px;background:linear-gradient(135deg,var(--blue),var(--cyan));display:grid;place-items:center;color:#fff;font-weight:950}.nav{display:flex;align-items:center;gap:14px;flex-wrap:wrap}.nav a{font-weight:750;color:#26364a;font-size:.95rem}.nav .phone{background:var(--blue);color:#fff;padding:9px 14px;border-radius:999px}.hero{padding:64px 0 36px;background:radial-gradient(circle at 20% 0,#dff7ff,transparent 34%),radial-gradient(circle at 90% 20%,#fff1e6,transparent 32%)}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:center}.kicker{display:inline-flex;align-items:center;gap:8px;color:#0f766e;background:#ecfeff;border:1px solid #bdecef;border-radius:999px;padding:7px 12px;font-weight:850;margin-bottom:16px}h1{font-size:clamp(2.15rem,5vw,4.25rem);line-height:1.02;margin:0 0 18px;letter-spacing:-.06em}h2{font-size:clamp(1.55rem,3vw,2.35rem);line-height:1.14;margin:0 0 14px;letter-spacing:-.04em}h3{font-size:1.15rem;line-height:1.25;margin:0 0 9px}.lead{font-size:1.18rem;color:var(--muted);max-width:780px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 18px;border-radius:999px;font-weight:900;border:1px solid transparent}.btn-primary{background:var(--blue);color:#fff}.btn-secondary{background:#fff;color:var(--blue);border-color:#bfdbfe}.btn-accent{background:var(--orange);color:#fff}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}.media{border-radius:28px;overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow)}.section{padding:52px 0}.section-head{display:flex;justify-content:space-between;gap:24px;align-items:flex-end;margin-bottom:24px}.section-head p{max-width:760px;color:var(--muted);margin:0}.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.card p{color:var(--muted);margin:0 0 12px}.card ul{margin:10px 0 0;padding:0;list-style:none;display:grid;gap:10px}.card li{position:relative;padding-left:26px}.card li:before{content:"";position:absolute;left:0;top:.58em;width:10px;height:10px;border-radius:50%;background:linear-gradient(135deg,var(--cyan),var(--blue))}.icon{width:22px;height:22px;stroke:currentColor;stroke-width:2;fill:none;stroke-linecap:round;stroke-linejoin:round;vertical-align:-4px}.steps{counter-reset:step}.step{position:relative;padding-left:60px}.step:before{counter-increment:step;content:counter(step);position:absolute;left:18px;top:21px;width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:var(--blue);color:#fff;font-weight:900}.table{width:100%;border-collapse:collapse;background:#fff;border-radius:18px;overflow:hidden;border:1px solid var(--line)}.table td{padding:14px;border-bottom:1px solid var(--line);vertical-align:top}.cta{background:linear-gradient(135deg,var(--blue),#0f766e);color:#fff;border-radius:32px;padding:32px;display:grid;grid-template-columns:1.2fr .8fr;gap:24px;align-items:center}.cta p{color:#dff7ff}.cta a{color:#fff;text-decoration:underline}.breadcrumbs{padding:16px 0 0;color:#64748b;font-size:.95rem}.footer{background:#071827;color:#cbd5e1;padding:44px 0;margin-top:40px}.footer a{color:#e0f2fe}.footer-grid{display:grid;grid-template-columns:1.25fr .9fr .9fr 1fr;gap:28px}.footer h2,.footer h3{color:#fff;margin-top:0}.footer ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}.sitemap-card li{padding-left:0}.sitemap-card li:before{display:none}.note{background:#fff7ed;border:1px solid #fed7aa;border-radius:20px;padding:18px;color:#7c2d12}@media(max-width:980px){.hero-grid,.grid-2,.grid-3,.grid-4,.cta,.footer-grid{grid-template-columns:1fr}.header-inner{align-items:flex-start;flex-direction:column}}@media(max-width:640px){.container{width:min(100% - 22px,1180px)}h1{font-size:2.25rem}.hero{padding-top:36px}.nav{gap:10px}.card,.cta{padding:20px;border-radius:20px}}


.hub-nav{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:14px;margin-top:26px}
.hub-nav a{display:block;background:#fff;border:1px solid var(--line);border-radius:18px;padding:14px;font-weight:900;color:var(--ink);box-shadow:0 8px 22px rgba(15,23,42,.06)}
.hub-nav span{display:block;color:var(--muted);font-weight:650;font-size:.92rem;margin-top:4px}
.hub-card{position:relative;overflow:hidden}
.hub-card:after{content:"";position:absolute;right:-42px;top:-42px;width:120px;height:120px;border-radius:50%;background:rgba(20,184,166,.14)}
.anchor-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.anchor-grid a{background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px;font-weight:850}
.faq-list{display:grid;gap:14px}
.faq-list details{background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px;box-shadow:0 8px 22px rgba(15,23,42,.05)}
.faq-list summary{font-weight:900;cursor:pointer}
@media(max-width:980px){.hub-nav,.anchor-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.hub-nav,.anchor-grid{grid-template-columns:1fr}}


/* homepage hub cards */
.hub-quick-section{padding:22px 0 18px;background:linear-gradient(180deg,#f8fafc,#eef7fb)}
.hub-quick-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.hub-quick-card{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:20px;padding:18px;box-shadow:0 10px 28px rgba(15,23,42,.07);color:var(--ink)}
.hub-quick-card:hover{text-decoration:none;transform:translateY(-1px)}
.hub-quick-card b{display:block;font-size:1.05rem;line-height:1.2}
.hub-quick-card span{display:block;color:var(--muted);font-weight:650;font-size:.95rem;margin-top:5px;line-height:1.35}
.hub-quick-card .icon{margin-top:2px;color:var(--blue)}
@media(max-width:980px){.hub-quick-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){.hub-quick-grid{grid-template-columns:1fr}.hub-quick-section{padding-top:14px}}