:root{--bg:#ffffff;--soft:#f4f5f7;--card:#ffffff;--bd:#dcdfe6;--tx:#1c2024;--dim:#5d646e;--hd:#000000;--ac:#1652f0;--ac2:#0b2f9c;--mw:1060px;}
*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}
body{font-family:"Helvetica Neue",Helvetica,"PingFang SC","Noto Sans SC",Arial,sans-serif;line-height:1.8;color:var(--tx);background:var(--bg)}
a{color:var(--ac);text-decoration:none}a:hover{text-decoration:underline}
h1,h2,h3,h4{color:var(--hd);line-height:1.22;font-weight:700;letter-spacing:-1px}
.wrap{max-width:var(--mw);margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:12px;top:12px;background:var(--ac);color:#fff;padding:8px 14px}
.site-header{border-bottom:2px solid #000;position:sticky;top:0;background:#fff;z-index:99}
.nav{display:flex;align-items:baseline;justify-content:space-between;gap:14px;flex-wrap:wrap;max-width:var(--mw);margin:0 auto;padding:18px 24px}
.brand{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:19px;color:#000}
.brand .dot{width:16px;height:16px;background:#000}
.nav-links{display:flex;flex-wrap:wrap;gap:20px}
.nav-links a{color:var(--dim);font-size:14px;text-decoration:none;border-bottom:2px solid transparent;padding-bottom:2px}
.nav-links a:hover,.nav-links a[aria-current=page]{color:#000;border-color:var(--ac);text-decoration:none}
.disclaimer-bar{background:var(--soft);color:var(--dim);font-size:12.5px;padding:8px 12px;text-align:center;border-bottom:1px solid var(--bd)}
.hero{padding:68px 0 44px;border-bottom:1px solid var(--bd)}
.hero h1{font-size:clamp(30px,6vw,58px);margin-bottom:18px;max-width:14ch}
.hero h1 em{font-style:normal;text-decoration:underline;text-decoration-color:var(--ac);text-underline-offset:8px}
.lead{color:var(--dim);font-size:1.12rem;max-width:620px;margin-bottom:26px}
.badge{display:inline-block;font-size:12px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--ac);margin-bottom:20px}
.btn{display:inline-block;padding:13px 26px;background:#000;color:#fff;font-weight:700;font-size:15px}
.btn:hover{background:var(--ac);color:#fff;text-decoration:none}
.btn-ghost{background:#fff;color:#000;border:2px solid #000}.btn-ghost:hover{background:#000;color:#fff}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:40px;border-top:1px solid var(--bd)}
.stats div{padding:20px 18px 6px;border-right:1px solid var(--bd)}
.stats div:last-child{border-right:0}
.stats h3{font-size:1.9rem}.stats p{color:var(--dim);font-size:.85rem}
.section{padding:52px 0;border-bottom:1px solid var(--bd)}
.section h2{font-size:clamp(22px,3.2vw,34px);margin-bottom:10px}
.section-sub{color:var(--dim);margin-bottom:28px;max-width:660px}
.grid{display:grid;gap:34px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{border-top:3px solid #000;padding-top:16px}
.card h3{font-size:1.05rem;margin-bottom:8px}
.card p{color:var(--dim);font-size:.95rem}
.prose p{margin-bottom:16px;max-width:70ch}.prose ul{margin:0 0 18px 20px}.prose li{margin-bottom:8px;color:var(--dim)}
.faq details{border-bottom:1px solid var(--bd);padding:4px 0}
.faq summary{cursor:pointer;padding:16px 0;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";color:var(--ac);font-weight:400}.faq details[open] summary::after{content:"−"}
.faq p{padding:0 0 18px;color:var(--dim)}
.topic-links{display:flex;flex-wrap:wrap;gap:10px}
.topic-links a{border:1px solid var(--bd);padding:9px 16px;font-size:13.5px;color:var(--tx)}
.topic-links a:hover{border-color:#000;text-decoration:none}
.breadcrumb{font-size:13px;color:var(--dim);padding:18px 0 0}
.site-footer{background:#000;color:#b9bec7;padding:46px 0 26px;margin-top:0}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:28px;margin-bottom:24px}
.footer-grid h4{color:#fff;font-size:13px;margin-bottom:12px;letter-spacing:1px}
.footer-grid a{display:block;color:#9aa2ad;font-size:13px;margin-bottom:6px}.footer-grid a:hover{color:#fff}
.footer-bottom{border-top:1px solid #26292f;padding-top:18px;text-align:center;font-size:12.5px;color:#7d848e}
@media(max-width:820px){.stats{grid-template-columns:1fr 1fr}.hero h1{max-width:none}}