:root{
  --bg:#f7f5f0;
  --paper:#ffffff;
  --ink:#1d1b18;
  --muted:#5f5a52;
  --gold:#dfb159;
  --gold-dark:#9c722b;
  --line:#e2d9c7;
  --black:#111111;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65}
a{color:#7d5513;text-decoration:none}a:hover{text-decoration:underline}
.container{max-width:1120px;margin:0 auto;padding:0 22px}
.topbar{background:var(--black);color:#fff;font-size:14px;padding:8px 0}.topbar a{color:#fff;text-decoration:underline}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10;box-shadow:0 2px 12px rgba(0,0,0,.04)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:14px 22px;max-width:1120px;margin:0 auto}
.brand{display:flex;align-items:center;gap:12px;color:var(--ink);text-decoration:none}.brand-mark{width:42px;height:42px;border-radius:50%;background:linear-gradient(145deg,var(--gold),#f3d58e);display:flex;align-items:center;justify-content:center;font-weight:800;color:#1b1710;border:1px solid #c69b45}.brand-title{display:flex;flex-direction:column;line-height:1.15}.brand-title strong{font-size:18px}.brand-title span{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.nav-toggle{display:none;background:#fff;border:1px solid var(--line);padding:9px 11px;border-radius:8px;font-weight:700}
.nav{display:flex;align-items:center;gap:16px;font-size:14px}.nav a{color:var(--ink);font-weight:700}.nav .cta-small{background:var(--gold);padding:9px 12px;border-radius:8px;color:#111}
.hero{padding:76px 0 58px;background:radial-gradient(circle at 15% 0%,#fff6df,transparent 34%),linear-gradient(135deg,#fff,#f3ead8)}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:36px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.14em;color:var(--gold-dark);font-size:13px;font-weight:800;margin:0 0 12px}h1{font-size:46px;line-height:1.08;margin:0 0 18px;letter-spacing:-.03em}h2{font-size:30px;line-height:1.2;margin:38px 0 14px}h3{font-size:21px;margin:26px 0 10px}.lead{font-size:20px;color:#3b3833;margin:0 0 24px}.hero-card{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 18px 42px rgba(55,43,20,.12)}.hero-card ul{padding-left:20px;margin:10px 0 0}.hero-card li{margin:7px 0}.button-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:10px;padding:13px 18px;font-weight:800;text-decoration:none;border:1px solid transparent}.btn-primary{background:var(--gold);color:#111}.btn-secondary{background:#fff;color:#111;border-color:var(--line)}.btn:hover{text-decoration:none;filter:brightness(.98)}
.section{padding:56px 0}.section.white{background:#fff}.grid{display:grid;gap:22px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 8px 20px rgba(0,0,0,.035)}.card h3{margin-top:0}.card p:last-child,.card ul:last-child{margin-bottom:0}.notice{background:#17130d;color:#fff;border-radius:16px;padding:24px}.notice a{color:#ffe1a0;text-decoration:underline}.toc{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;margin:28px 0}.toc ul{columns:2;padding-left:20px}.content{background:#fff}.content-wrap{max-width:860px;margin:0 auto;padding:50px 22px}.content p{margin:0 0 17px}.content ul{margin:0 0 22px}.content li{margin:8px 0}.page-title{padding:52px 0;background:linear-gradient(135deg,#fff,#f2ead9);border-bottom:1px solid var(--line)}.page-title h1{font-size:42px}.breadcrumb{font-size:14px;color:var(--muted);margin-bottom:8px}.cta-band{background:#111;color:#fff;padding:42px 0}.cta-band h2{margin-top:0}.cta-band p{color:#eee}.cta-band .btn-secondary{background:#fff;color:#111}.footer{background:#efeadf;border-top:1px solid var(--line);padding:34px 0;color:#3e3932;font-size:14px}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:28px}.footer a{color:#3e3932;text-decoration:underline}.legal{font-size:12px;color:#645d53;margin-top:18px;border-top:1px solid #d8cfbd;padding-top:18px}.badge{display:inline-block;background:#fff7e5;border:1px solid #edd08e;color:#6f4a07;font-weight:800;border-radius:999px;padding:5px 10px;font-size:12px;margin:4px 6px 4px 0}.checklist{list-style:none;padding-left:0}.checklist li{padding-left:30px;position:relative}.checklist li:before{content:"✓";position:absolute;left:0;top:0;color:#7d5513;font-weight:900}.callout{border-left:4px solid var(--gold);background:#fffaf0;padding:18px 20px;margin:26px 0;border-radius:0 12px 12px 0}
@media(max-width:860px){.nav-toggle{display:block}.nav{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;border-bottom:1px solid var(--line);padding:14px 22px;flex-direction:column;align-items:flex-start}.nav.open{display:flex}.hero-grid,.grid-3,.grid-2,.footer-grid{grid-template-columns:1fr}h1{font-size:36px}.hero{padding:52px 0 42px}.toc ul{columns:1}.brand-title strong{font-size:16px}.header-inner{padding:12px 18px}.content-wrap{padding:36px 22px}}