:root{--bg:#fff;--surf:#f3f6fb;--ink:#14213d;--mut:#55627a;--line:#dbe3ef;--navy:#0b1d3a;--navy2:#13305c;--red:#e63946;--brand:#13305c;box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}
*,*::before,*::after{box-sizing:inherit}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
a{color:var(--navy2)}.wrap{max-width:1040px;margin:0 auto;padding:0 20px}.narrow{max-width:780px}
.bar{background:#fff4d6;color:#5c4300;font-size:14px;text-align:center;padding:8px 12px}
header{background:var(--navy);color:#fff}.nav{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:14px 0;flex-wrap:wrap}
.nav nav a{margin-right:16px;text-decoration:none;color:#dbe6fb;font-weight:500}.nav nav a:hover{color:#fff}
.logo{font-weight:800;font-size:23px;color:#fff;text-decoration:none}.logo span{color:var(--red)}
.btn{display:inline-block;background:var(--red);color:#fff;padding:12px 22px;border-radius:8px;font-weight:700;text-decoration:none}
.btn:hover{filter:brightness(1.08)}.btn.alt{background:transparent;color:#fff;border:2px solid #fff}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:56px 0 48px}
.hero h1{font-size:clamp(28px,5vw,44px);line-height:1.15;margin:0 0 14px}.hero p{color:#c9d6ee;max-width:640px;font-size:18px}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 12px}.small{font-size:13px;color:var(--mut)}.hero .small{color:#a9b9d8}
section{padding:40px 0}section.alt{background:var(--surf)}h1,h2{margin-top:0}h2{font-size:26px;margin-bottom:18px;color:var(--navy)}
.grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--red);border-radius:10px;padding:20px}.card h3{margin:0 0 8px;font-size:18px;color:var(--navy)}.card p{margin:0;color:var(--mut)}
.num{display:inline-grid;place-items:center;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:10px}
.tw{overflow-x:auto}table{border-collapse:collapse;width:100%;min-width:480px;background:#fff}th,td{text-align:left;padding:12px;border-bottom:1px solid var(--line)}th{background:var(--navy);color:#fff}
details{border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin-bottom:10px;background:#fff}summary{font-weight:700;cursor:pointer;color:var(--navy)}details p{color:var(--mut);margin:10px 0 0}
.notice{border-left:4px solid var(--red);background:#fff;padding:16px 18px;border-radius:8px}
.doc{padding:40px 0}.doc h1{font-size:34px;color:var(--navy)}.doc h2{font-size:20px;margin:28px 0 8px}.doc p,.doc li{color:var(--mut)}
footer{background:var(--navy);color:#b8c6e2;padding:40px 0 30px;font-size:14px}footer a{color:#e8eefb;text-decoration:none}footer a:hover{text-decoration:underline}
.fcols{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));padding-bottom:24px;border-bottom:1px solid #243a63;margin-bottom:20px}
.fcols h4{margin:0 0 10px;color:#fff;font-size:15px}.fcols a{display:block;margin-bottom:8px}footer p{margin:0 0 12px}