*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:#fff;color:#111418;font-family:-apple-system,BlinkMacSystemFont,"SF Pro Text","SF Pro Display","Helvetica Neue",Arial,sans-serif;line-height:1.5}
img{max-width:100%;display:block}
a{color:#C8102E}a:hover{color:#9E0C24}
h1,h2,h3{margin:0;letter-spacing:-.02em;line-height:1.1}
h2{font-size:clamp(26px,3.2vw,40px)}
h3,.h3{font-size:18px;letter-spacing:-.01em;line-height:1.25;margin:0}
p{margin:0}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
section{padding:clamp(48px,7vw,84px) 0}
section.bg{background:#F5F5F7}
.head{max-width:720px;margin-bottom:32px;display:flex;flex-direction:column;gap:12px}
.sub{font-size:17px;color:#3D424A;line-height:1.55}
.hdr{border-bottom:1px solid #E6E7EA;background:#fff;position:sticky;top:0;z-index:20}
.hdr-in{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px;padding-top:10px;padding-bottom:10px}
.logo img{width:60px;height:60px}
.nav{display:flex;flex-wrap:wrap;gap:6px 20px;font-size:15px}
.nav a{color:#3D424A;text-decoration:none;padding:6px 0}.nav a:hover{color:#C8102E}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 24px;border-radius:999px;background:#C8102E;color:#fff;text-decoration:none;font-weight:600;font-size:16px;border:1px solid transparent}
.btn:hover{background:#A50D26;color:#fff}
.btn-sm{min-height:44px;padding:0 18px;font-size:15px}
.btn-lg{min-height:56px;padding:0 28px;font-size:18px}
.btn-ghost{background:transparent;border-color:#555B64;color:#fff}.btn-ghost:hover{background:#1C2026}
.btn-ghost-dark{background:#fff;border-color:#C9CBD0;color:#111418}.btn-ghost-dark:hover{background:#F5F5F7;color:#111418}
.btn-inv{background:#fff;color:#C8102E}.btn-inv:hover{background:#FFE3E7;color:#9E0C24}
.hero{background:#111418;color:#fff}
.hero-light{background:#F5F5F7;color:#111418}
.hero-in{display:flex;flex-wrap:wrap;gap:48px;align-items:center}
.hero-main{flex:999 1 560px;min-width:0;display:flex;flex-direction:column;gap:18px}
.hero h1{font-size:clamp(36px,5.2vw,60px);letter-spacing:-.025em;line-height:1.04;max-width:880px}
.lead{font-size:clamp(17px,1.6vw,20px);color:#C9CBD0;max-width:680px}
.hero-light .lead{color:#3D424A}
.eyebrow{font-size:14px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:#FF6B7F}
.hero-light .eyebrow{color:#C8102E}
.crumb{font-size:14px;color:#A9ADB5}.crumb a{color:#C9CBD0}
.hero-light .crumb{color:#555B64}.hero-light .crumb a{color:#C8102E}
.ctas{display:flex;flex-wrap:wrap;gap:12px;padding-top:4px}
.hero-light .btn-ghost{color:#111418;border-color:#C9CBD0;background:#fff}
.note{font-size:14px;color:#A9ADB5}.hero-light .note{color:#555B64}
.side{flex:1 1 320px;min-width:0;background:#1C2026;border:1px solid #2E333B;border-radius:20px;padding:26px;display:flex;flex-direction:column;gap:16px}
.hero-light .side{background:#fff;border-color:#E6E7EA}
.kicker{font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:#A9ADB5}
.hero-light .kicker{color:#555B64}
.sstep{display:flex;gap:14px;align-items:flex-start}
.sstep span{flex:none;width:28px;height:28px;border-radius:999px;background:#C8102E;color:#fff;display:inline-flex;align-items:center;justify-content:center;font-size:14px;font-weight:700}
.sstep p{font-size:16px;color:#E4E5E8}.hero-light .sstep p{color:#3D424A}
.qa-card .lbl{font-size:15px;color:#555B64}
.qa-card .was{font-size:26px;font-weight:600;color:#8A8F98;text-decoration:line-through}
.qa-card .is{display:flex;align-items:center;gap:14px}
.qa-card .is img{width:68px;height:68px;flex:none}
.qa-card .is p{font-size:30px;font-weight:700;color:#C8102E}
.qa-card .foot{font-size:15px;color:#3D424A;border-top:1px solid #E6E7EA;padding-top:14px}
.trust{padding:24px 0;border-bottom:1px solid #E6E7EA}
.trust-in{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}
.trust-in>div{display:flex;gap:12px;align-items:flex-start}
.trust-in svg{flex:none;margin-top:2px}
.trust-in span{display:flex;flex-direction:column}
.trust-in strong{font-size:16px}.trust-in small{font-size:14px;color:#555B64}
.grid{display:grid;gap:16px;margin:0;padding:0;list-style:none}
.g3{grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.g5{grid-template-columns:repeat(auto-fit,minmax(190px,1fr))}
.card{border:1px solid #E6E7EA;border-radius:16px;padding:22px;display:flex;flex-direction:column;gap:8px;background:#fff}
.card p{font-size:15px;color:#4A4F57;line-height:1.55}
.card-link{text-decoration:none;color:inherit;transition:border-color .15s,box-shadow .15s}
.card-link:hover{border-color:#C8102E;box-shadow:0 6px 20px rgba(17,20,24,.06);color:inherit}
.more{margin-top:auto;padding-top:6px;font-size:14px;font-weight:600;color:#C8102E}
.num{font-size:14px;font-weight:700;color:#C8102E}
.tier .tag{font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#555B64}
.tier-hot{border:2px solid #C8102E}.tier-hot .tag{color:#C8102E}
.big{font-size:24px;font-weight:700;letter-spacing:-.01em;color:#111418!important}
.cols2{display:flex;flex-wrap:wrap;gap:40px}
.cols2>div{flex:1 1 420px;min-width:0;display:flex;flex-direction:column;gap:14px}
.ul{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:10px;font-size:16px;line-height:1.55;color:#3D424A}
.split{display:flex;flex-wrap:wrap;gap:48px}
.split-l{flex:1 1 280px;min-width:0;display:flex;flex-direction:column;gap:12px}
.split-r{flex:999 1 560px;min-width:0}
.qa{border-bottom:1px solid #D9DBDF;padding:18px 0}
.qa:last-child{border-bottom:0}
.qa summary{list-style:none;cursor:pointer}.qa summary::-webkit-details-marker{display:none}
.qa p{margin-top:8px;font-size:16px;color:#3D424A;line-height:1.6}
.prose{max-width:820px;display:flex;flex-direction:column;gap:16px}
.prose p{font-size:17px;line-height:1.65;color:#3D424A}
.arrow{font-weight:600;text-decoration:none}.arrow::after{content:" \2192"}
.topics{display:flex;flex-wrap:wrap;gap:48px;align-items:flex-start}
.toc{flex:1 1 220px;min-width:0;display:flex;flex-direction:column;gap:4px;position:sticky;top:96px;font-size:15px}
.toc a{color:#3D424A;text-decoration:none;padding:6px 10px;border-left:2px solid #E6E7EA}
.toc a:hover{color:#C8102E;border-left-color:#C8102E}
.topic-body{flex:999 1 600px;min-width:0;display:flex;flex-direction:column;gap:44px}
.topic{display:flex;flex-direction:column;gap:14px;scroll-margin-top:96px}
.topic h2{font-size:clamp(24px,2.6vw,32px)}
.topic p{font-size:17px;line-height:1.65;color:#3D424A}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-flex;align-items:center;min-height:42px;padding:0 18px;border-radius:999px;background:#fff;border:1px solid #D9DBDF;font-weight:600;font-size:15px}
.callout{display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between}
.callout p{flex:1 1 480px;min-width:0;font-size:17px;color:#3D424A}
.band{color:#fff}
.band-red{background:#C8102E}
.band-dark{background:#111418}
.band-dark .btn-inv{background:#C8102E;color:#fff}
.band-in{display:flex;flex-direction:column;align-items:center;text-align:center;gap:16px}
.band-in h2{font-size:clamp(28px,3.8vw,46px)}
.band-in p{font-size:18px;opacity:.9;max-width:580px}
.ftr{background:#111418;color:#A9ADB5;font-size:14px;padding:40px 0 0}
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:32px}
.fcol{display:flex;flex-direction:column;gap:9px;line-height:1.55}
.fcol a{color:#E4E5E8;text-decoration:none}.fcol a:hover{color:#fff;text-decoration:underline}
.fh{font-weight:600;color:#fff}
.fine{font-size:12px;padding-top:28px;padding-bottom:96px}
.fine p{border-top:1px solid #2E333B;padding-top:18px}
.callbar{display:none}
@media (max-width:720px){
.nav{order:3;width:100%;overflow-x:auto;flex-wrap:nowrap;white-space:nowrap;padding-bottom:4px}
.callbar{display:flex;position:fixed;left:12px;right:12px;bottom:12px;z-index:30;align-items:center;justify-content:center;gap:8px;min-height:54px;border-radius:999px;background:#C8102E;color:#fff;font-weight:700;text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.25)}
.toc{position:static}
}