:root{
  --ink:#202631;--red:#e13a3a;--red2:#c02626;--blue:#2b4bd8;
  --paper:#fbfaf8;--card:#ffffff;--line:#e9e4dc;--mut:#5c6470;
  --maxw:1120px;--r:8px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--ink);font-family:Georgia,"Noto Serif","Segoe UI",serif;line-height:1.75}
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 22px}
ul.list li{margin:8px 0}

header.top{background:var(--ink);position:sticky;top:0;z-index:60}
.hbar{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;font-size:1.45rem;color:#fff}
.brand img{width:34px;height:34px;border-radius:6px}
.brand small{display:block;font-size:.6rem;color:var(--red);font-weight:700;letter-spacing:.16em;text-transform:uppercase}
nav.nav{display:flex;gap:20px;align-items:center;font-size:.95rem}
nav.nav a{color:#d5dae2;padding:6px 2px;border-bottom:2px solid transparent;font-weight:700}
nav.nav a:hover,nav.nav a.active{color:#fff;border-color:var(--red)}
.nav-toggle{display:none;background:none;border:0;color:#fff;font-size:1.9rem;cursor:pointer}
.btn{display:inline-block;background:var(--red);color:#fff;padding:13px 30px;border-radius:6px;font-weight:800;font-size:.95rem;box-shadow:0 8px 22px rgba(225,58,58,.28)}
.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:64px 0 0;background:
 radial-gradient(circle at 100% 0, rgba(43,75,216,.08) 0, transparent 34%),
 var(--paper)}
.hero .wrap{max-width:820px;margin:0 auto;padding:0 24px 44px;text-align:center}
.hero h1{font-size:clamp(2.2rem,5vw,3.3rem);line-height:1.1}
.hero h1 em{color:var(--red);font-style:normal}
.hero .sub{margin:20px 0 0;color:var(--mut);font-size:1.08rem;max-width:720px;margin-left:auto;margin-right:auto}
.hero .cta-row{margin-top:30px;display:flex;gap:14px;flex-wrap:wrap;justify-content:center}
.facts{display:flex;flex-wrap:wrap;gap:0;justify-content:center;margin-top:44px;border:1px solid var(--line);background:var(--card);border-radius:10px;overflow:hidden}
.fact{flex:1 1 140px;padding:18px;border-right:1px solid var(--line);text-align:center}
.fact:last-child{border-right:0}
.fact b{display:block;font-size:1.5rem;color:var(--red);font-weight:900;font-family:"Inter","Segoe UI",sans-serif}
.fact span{font-size:.82rem;color:var(--mut)}

section.blk{padding:58px 0}
section.blk.alt{background:#efece6}
h2.sec{font-size:1.9rem;font-weight:900;margin-bottom:12px;color:var(--ink)}
h2.sec::after{content:"";display:block;width:56px;height:4px;background:var(--red);margin-top:10px}
p.sec-sub{color:var(--mut);margin-bottom:34px;max-width:680px}
.grid{display:grid;gap:22px}
.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}
.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:46px;align-items:center}
.panel{background:var(--ink);color:#d5dae2;border-radius:var(--r);padding:28px}
.panel b{color:#fff}
.panel span{color:#aeb6c2;font-size:.92rem}
.ph{border-bottom:1px dashed rgba(255,255,255,.18);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(--ink);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:#eaf6ec;color:#1a7f37;border:1px solid #b9e0c3;font-size:.72rem;font-weight:700;padding:2px 8px;border-radius:999px}

.cta-band{background:linear-gradient(135deg,var(--ink),#34405a);border-radius:var(--r);padding:40px;color:#fff;text-align:center}
.cta-band h2{color:#fff;margin-bottom:10px}
.cta-band p{color:#c6cdd9;margin-bottom:24px}

footer.ft{background:var(--ink);color:#b8bfcc;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:#b8bfcc;padding:5px 0;font-size:.92rem}
footer nav a:hover{color:var(--red)}
.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:#8e97a5;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(--ink)}
details.faq summary::marker{color:var(--red)}
details.faq .a{padding-top:12px;color:var(--mut);font-size:.95rem}

.crumb{background:#efece6;color:var(--mut);padding:16px 0;font-size:.86rem}
.crumb a{color:var(--red);font-weight:700}

@media(max-width:880px){
  .g3,.g4{grid-template-columns:repeat(2,1fr)}
  .split,.fgrid{grid-template-columns:1fr}
  .nav-toggle{display:block}
  nav.nav{display:none;position:absolute;top:72px;left:0;right:0;background:var(--ink);flex-direction:column;padding:20px 24px;gap:16px;align-items:flex-start;border-top:1px solid rgba(255,255,255,.1)}
  nav.nav.open{display:flex}
}
@media(max-width:520px){.g2,.g3,.g4,.facts{grid-template-columns:1fr}.fact{border-right:0;border-bottom:1px solid var(--line)}}