:root {
  --navy: #002048;
  --navy-2: #0b3366;
  --orange: #e07800;
  --orange-soft: #fdf1e3;
  --ink: #1a2330;
  --muted: #55606e;
  --line: #dfe5ec;
  --paper: #f5f7fa;
  --white: #ffffff;
  --sans: Calibri, Carlito, "Segoe UI", system-ui, -apple-system, Arial, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 120px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; animation: none !important; } }
body { margin: 0; font-family: var(--sans); font-size: 17px; line-height: 1.6; color: var(--ink); background: var(--white); }
a { color: var(--navy-2); }
a:focus-visible, button:focus-visible { outline: 3px solid var(--orange); outline-offset: 2px; }
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 22px; }

.topbar { position: sticky; top: 0; z-index: 50; background: var(--navy); color: var(--white); }
.topbar-inner { max-width: 1080px; margin: 0 auto; padding: 0 22px; display: flex; align-items: center; justify-content: space-between; min-height: 52px; gap: 16px; }
.brand { color: var(--white); text-decoration: none; font-weight: 700; letter-spacing: .01em; }
.lang { display: flex; gap: 4px; }
.lang button { background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,.45); border-radius: 6px; padding: 4px 10px; font: inherit; font-size: 14px; cursor: pointer; }
.lang button[aria-pressed="true"] { background: var(--orange); border-color: var(--orange); }
.nav { display: flex; gap: 4px; overflow-x: auto; max-width: 1080px; margin: 0 auto; padding: 0 22px 8px; scrollbar-width: none; }
.nav::-webkit-scrollbar { display: none; }
.nav a { color: #cfd9e8; text-decoration: none; white-space: nowrap; font-size: 14px; padding: 6px 10px; border-radius: 6px; }
.nav a:hover, .nav a.active { color: var(--white); background: var(--navy-2); }

.hero { background: var(--navy); color: var(--white); padding: 64px 0 56px; }
.kicker { text-transform: uppercase; letter-spacing: .14em; font-size: 13px; color: #ffd3a3; margin: 0 0 14px; }
.hero h1 { font-size: clamp(30px, 4.6vw, 46px); line-height: 1.15; margin: 0 0 14px; font-weight: 700; }
.hero .sub { font-size: 20px; color: #d9e3f0; max-width: 760px; margin: 0 0 22px; }
.hero .meta { font-size: 15px; color: #b8c7da; margin: 0 0 26px; }
.hero .rule { width: 72px; height: 4px; background: var(--orange); border-radius: 2px; margin: 0 0 22px; }
.btn { display: inline-block; background: var(--orange); color: var(--white); text-decoration: none; padding: 10px 18px; border-radius: 8px; font-weight: 700; margin-right: 10px; }
.btn.ghost { background: transparent; border: 1px solid rgba(255,255,255,.6); }
.bal { margin: 26px 0 0; max-width: 760px; }
.bal-bar { display: flex; height: 34px; border-radius: 8px; overflow: hidden; font-size: 14px; font-weight: 700; color: var(--white); }
.bal-bar div { display: flex; align-items: center; padding: 0 12px; }
.bal-make { background: var(--navy-2); }
.bal-buy { background: var(--orange); }
.bal-cap { font-size: 13px; color: #b8c7da; margin-top: 6px; }
.notice { margin-top: 24px; background: rgba(255,255,255,.08); border-left: 4px solid var(--orange); padding: 12px 16px; border-radius: 6px; font-size: 15px; color: #e6edf6; max-width: 760px; }

.block { padding: 56px 0 8px; border-top: 1px solid var(--line); }
.block h2 { font-size: 30px; color: var(--navy); margin: 0 0 8px; line-height: 1.2; }
.lead { font-size: 19px; color: var(--muted); margin: 0 0 26px; max-width: 800px; }
.label { display: block; text-transform: uppercase; letter-spacing: .1em; font-size: 12px; font-weight: 700; color: var(--orange); margin-bottom: 6px; }
.simple, .science, .callout { border-radius: 10px; padding: 18px 22px; margin-bottom: 16px; max-width: 860px; }
.simple { background: var(--orange-soft); }
.science { background: var(--paper); border-left: 4px solid var(--navy); }
.simple p, .science p { margin: 0; }
.callout { background: var(--white); border: 1px solid var(--line); border-left: 4px solid var(--orange); margin-top: 26px; }
.callout ul { margin: 8px 0 0; padding-left: 20px; }

.grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin: 18px 0 8px; }
@media (max-width: 760px) { .grid { grid-template-columns: 1fr; } }
.card { border: 1px solid var(--line); border-radius: 10px; padding: 18px 20px; background: var(--white); }
.card h3 { margin: 0 0 6px; font-size: 18px; color: var(--navy); }
.card p { margin: 0 0 8px; font-size: 15px; }
.card p:last-child { margin-bottom: 0; }

.tablewrap { overflow-x: auto; margin: 18px 0 8px; border: 1px solid var(--line); border-radius: 10px; }
table { border-collapse: collapse; width: 100%; font-size: 15px; background: var(--white); }
th, td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--navy); color: var(--white); font-weight: 700; }
tbody tr:nth-child(even) { background: var(--paper); }
td.num, th.num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
tr.total td { font-weight: 700; background: var(--orange-soft); }
caption { caption-side: bottom; text-align: left; font-size: 13px; color: var(--muted); padding-top: 8px; }

.steps { display: grid; gap: 10px; margin: 18px 0 8px; padding: 0; list-style: none; counter-reset: s; }
.steps li { counter-increment: s; background: var(--paper); border-radius: 8px; padding: 12px 16px 12px 56px; position: relative; max-width: 860px; }
.steps li::before { content: counter(s); position: absolute; left: 14px; top: 11px; width: 28px; height: 28px; border-radius: 50%; background: var(--navy); color: var(--white); text-align: center; line-height: 28px; font-weight: 700; font-size: 14px; }

.refs { list-style: none; padding: 0; margin: 14px 0 0; font-size: 14.5px; counter-reset: r; }
.refs li { counter-increment: r; padding: 7px 0 7px 36px; border-bottom: 1px solid var(--line); overflow-wrap: anywhere; position: relative; }
.refs li::before { content: counter(r) "."; position: absolute; left: 0; color: var(--muted); }

.footer { background: var(--navy); color: #c9d6e6; padding: 28px 0; margin-top: 48px; font-size: 14px; }
.footer p { margin: 0 0 6px; max-width: 1080px; margin-left: auto; margin-right: auto; padding: 0 22px; }

@media (max-width: 640px) {
  body { font-size: 16px; }
  .hero { padding: 44px 0 40px; }
  .btn { display: block; margin: 0 0 10px; text-align: center; }
}