:root{--bg:#F5F8FB;--ink:#12263A;--mute:#52667A;--line:#D5DEE8;--acc:#0E7C7B;--accd:#0A5C5B;--wa:#1B8F4B;--card:#fff;color-scheme:light}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:12px}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.6 "Segoe UI",Roboto,"Noto Sans",Arial,sans-serif}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
a{color:var(--acc)}
.btn{display:inline-block;background:var(--acc);color:#fff;text-decoration:none;border-radius:8px;padding:11px 18px;font:600 16px/1.3 inherit;border:0;cursor:pointer;text-align:center}
.btn:hover{background:var(--accd)}.btn.wa{background:var(--wa)}.btn.ghost{background:#fff;color:var(--ink);border:1px solid var(--line)}
.btn[disabled]{opacity:.6;cursor:wait}
:focus-visible{outline:3px solid var(--acc);outline-offset:2px}
header{background:#fff;border-bottom:1px solid var(--line)}
header .wrap{display:flex;align-items:center;gap:14px;padding-top:10px;padding-bottom:10px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.logo img{width:44px;height:44px}.logo b{display:block;font-size:18px;line-height:1.2}.logo small{color:var(--mute);font-size:13px}
nav{margin-left:auto}nav a{color:var(--ink);text-decoration:none;margin-left:20px;font-weight:600;font-size:15px}nav a:hover{color:var(--acc)}
#menu{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;width:44px;height:44px;font-size:22px;cursor:pointer}
.hero{position:relative;background:#fff}
.hero>img{width:100%;aspect-ratio:16/9;object-fit:cover;object-position:right}
.hero .txt{padding:26px 18px}
h1{font-size:clamp(30px,5vw,48px);line-height:1.15;margin:0 0 12px}
.lead{color:var(--mute);margin:0 0 20px;max-width:56ch}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:14px}
.micro{font-size:15px;color:var(--mute);margin:0 0 14px}
.disc{font-size:14px;color:var(--mute);border-left:4px solid var(--acc);padding:6px 12px;margin:0;max-width:60ch}
section{padding:46px 0}h2{font-size:clamp(24px,3.5vw,32px);margin:0 0 8px;line-height:1.2}
.sub{color:var(--mute);margin:0 0 24px;max-width:62ch}
.grid{display:grid;gap:18px;grid-template-columns:repeat(3,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:14px;display:flex;flex-direction:column;gap:8px}
.card img{border-radius:8px;aspect-ratio:1;object-fit:cover;background:#fff}
.card h3{margin:6px 0 0;font-size:19px;line-height:1.3}.card p{margin:0;color:var(--mute);font-size:15.5px}
.card .fee{color:var(--ink);margin-top:auto;padding-top:6px}.card .alt{text-align:center;font-size:14.5px}
.why{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:center}
.why img{border-radius:12px}.pts{display:grid;gap:14px}.pts div{border-left:4px solid var(--acc);padding-left:14px}.pts b{display:block}.pts span{color:var(--mute);font-size:15.5px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;counter-reset:s;padding:0;list-style:none;margin:0}
.steps li{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px;counter-increment:s}
.steps li::before{content:counter(s);display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--acc);color:#fff;font-weight:700;margin-bottom:8px}
.steps b{display:block}.steps span{color:var(--mute);font-size:15.5px}
.docs{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px}.docs ul{margin:0 0 14px;padding-left:20px}
.note{font-size:15px;background:var(--bg);padding:10px 14px;border-radius:8px;margin:0}
details{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:8px 0;max-width:800px}
summary{cursor:pointer;font-weight:600}details p{margin:8px 0 0;color:var(--mute)}
.final{background:#fff;border-top:1px solid var(--line)}
.final .wrap{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:center}
footer{background:var(--ink);color:#C9D6E3;padding:26px 0;font-size:14px}footer a{color:#fff;margin-right:16px}footer p{margin:8px 0 0}
.center{text-align:center;padding:60px 18px;max-width:640px;margin:0 auto}.center .lead{margin-inline:auto}
@media(min-width:900px){
 .hero>img{position:absolute;inset:0;height:100%;aspect-ratio:auto}
 .hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#fff 0,#fff 36%,rgba(255,255,255,0) 62%)}
 .hero .txt{position:relative;z-index:1;max-width:560px;padding:64px 0 64px 18px;margin-left:max(0px,calc((100% - 1080px)/2))}
}
@media(max-width:899px){.grid{grid-template-columns:repeat(2,1fr)}.why,.final .wrap{grid-template-columns:1fr}.steps{grid-template-columns:1fr}
 #menu{display:block}nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:8px 18px;z-index:5}
 nav.open{display:block}nav a{display:block;margin:0;padding:12px 0}header{position:relative}}
@media(max-width:560px){.grid{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}