:root {
  --blue: #0d2f4f;
  --blue-2: #17395e;
  --green: #4fae91;
  --green-soft: #e2f5ef;
  --gray: #f6f8fb;
  --gray-2: #e8edf2;
  --text: #213042;
  --muted: #637083;
  --white: #ffffff;
  --shadow: 0 18px 45px rgba(13, 39, 67, .08);
  --radius: 24px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: Arial, Helvetica, sans-serif; color: var(--text); background: var(--white); line-height: 1.65; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--green); }
img { max-width: 100%; height: auto; display: block; }
.container { width: min(1120px, calc(100% - 40px)); margin: 0 auto; }
.narrow { width: min(860px, calc(100% - 40px)); }
.skip-link { position: absolute; left: 16px; top: -80px; background: var(--blue); color: #fff; padding: 10px 14px; border-radius: 10px; z-index: 10; }
.skip-link:focus { top: 16px; }
.visually-hidden { position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0,0,0,0); white-space:nowrap; border:0; }
.site-header { position: sticky; top: 0; z-index: 5; background: rgba(255,255,255,.96); backdrop-filter: blur(14px); border-bottom: 1px solid var(--gray-2); }
.nav-wrap { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display:flex; align-items:center; gap:12px; font-weight:800; color:var(--blue); }
.brand-mark { width:42px; height:42px; border-radius:14px; display:grid; place-items:center; background:var(--green-soft); color:var(--blue); border:1px solid rgba(74, 169, 128, .35); }
.brand-text { font-size: 1.02rem; letter-spacing: -.01em; }
.site-nav { display:flex; align-items:center; gap: 4px; }
.site-nav a { padding: 10px 12px; border-radius: 999px; color: var(--text); font-size: .94rem; }
.site-nav a.active, .site-nav a:hover { background: var(--green-soft); color: var(--blue); }
.nav-toggle { display:none; width:44px; height:44px; border:1px solid var(--gray-2); border-radius:14px; background:#fff; align-items:center; justify-content:center; flex-direction:column; gap:5px; }
.nav-toggle span:not(.visually-hidden) { width:20px; height:2px; background:var(--blue); display:block; border-radius:2px; }
.hero { padding: 72px 0 56px; background: linear-gradient(180deg, #fff 0%, var(--gray) 100%); }
.hero-grid { display:grid; grid-template-columns: 1.03fr .97fr; gap: 48px; align-items:center; }
.eyebrow { color: var(--green); text-transform: uppercase; letter-spacing: .12em; font-weight: 800; font-size: .78rem; margin: 0 0 12px; }
h1, h2, h3 { color: var(--blue); line-height: 1.15; margin-top: 0; }
h1 { font-size: clamp(2.25rem, 5vw, 4.65rem); letter-spacing: -.05em; margin-bottom: 22px; }
h2 { font-size: clamp(1.55rem, 3vw, 2.35rem); letter-spacing: -.035em; margin-bottom: 16px; }
h3 { font-size: 1.13rem; margin-bottom: 10px; }
p { margin-top: 0; }
.hero-subtitle { font-size: 1.18rem; color: var(--muted); max-width: 690px; }
.hero-actions { display:flex; flex-wrap:wrap; gap: 14px; margin-top: 30px; }
.btn { display:inline-flex; align-items:center; justify-content:center; min-height:48px; padding: 12px 20px; border-radius: 999px; font-weight:800; border: 1px solid transparent; cursor: pointer; }
.btn-primary { background: var(--blue); color:#fff; box-shadow: 0 12px 28px rgba(11,37,69,.18); }
.btn-primary:hover { color:#fff; transform: translateY(-1px); }
.btn-secondary { background: #fff; color: var(--blue); border-color: var(--gray-2); }
.hero-visual { padding: 18px; background: rgba(255,255,255,.68); border: 1px solid var(--gray-2); border-radius: 34px; box-shadow: var(--shadow); }
.section { padding: 66px 0; }
.section-muted { background: var(--gray); }
.split-intro { display:grid; grid-template-columns: .85fr 1.15fr; gap:36px; align-items:end; margin-bottom: 30px; }
.cards, .term-grid, .content-grid { display:grid; gap: 20px; }
.four-cards { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.three-cards { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.card, .mini-card, .term-card, .content-card, .panel { background:#fff; border:1px solid var(--gray-2); border-radius: var(--radius); padding: 24px; box-shadow: 0 8px 24px rgba(13, 39, 67, .04); }
.card { min-height: 210px; }
.panel-soft { background: var(--green-soft); border-color: rgba(74,169,128,.22); }
.two-column { display:grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; align-items:start; }
.check-list { padding-left: 0; list-style:none; margin: 0 0 22px; }
.check-list li { position:relative; padding-left:30px; margin: 12px 0; }
.check-list li:before { content:""; position:absolute; left:0; top:.45em; width:14px; height:14px; border-radius:50%; background:var(--green-soft); border: 3px solid var(--green); }
.text-link { font-weight:800; color: var(--blue); border-bottom: 2px solid var(--green); }
.learning-path { display:grid; grid-template-columns: .8fr 1.2fr; gap: 32px; align-items:start; }
.steps { counter-reset:item; list-style:none; padding:0; margin:0; display:grid; gap: 12px; }
.steps a { display:flex; align-items:center; gap:16px; padding:18px 20px; background:#fff; border:1px solid var(--gray-2); border-radius:18px; color:var(--blue); font-weight:800; }
.steps span { background:var(--green-soft); color:var(--blue); border-radius:999px; padding:6px 10px; font-size:.84rem; }
.page-hero { padding: 70px 0 46px; background: linear-gradient(180deg, #fff 0%, var(--gray) 100%); border-bottom:1px solid var(--gray-2); }
.page-hero p:last-child { font-size:1.1rem; color: var(--muted); }
.content-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.term-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.term-card h2 { font-size: 1.2rem; }
.notice { margin: 0 0 26px; padding: 20px 22px; border-radius: 20px; background: #fff; border: 1px solid var(--gray-2); border-left: 6px solid var(--green); color: var(--text); }
.notice-risk { border-left-color: var(--blue); background: var(--green-soft); }
.faq-list { display:grid; gap: 14px; }
.faq-item { border:1px solid var(--gray-2); border-radius:20px; background:#fff; overflow:hidden; }
.faq-question { width:100%; border:0; background:#fff; color:var(--blue); padding:20px 22px; display:flex; justify-content:space-between; gap:20px; text-align:left; font-weight:800; font-size:1rem; cursor:pointer; }
.faq-icon { color:var(--green); font-size:1.3rem; }
.faq-answer { display:none; padding:0 22px 20px; color: var(--muted); }
.faq-item.open .faq-answer { display:block; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.contact-form { display:grid; gap: 11px; }
label { font-weight:800; color:var(--blue); }
input, textarea { width:100%; border:1px solid var(--gray-2); border-radius:14px; padding:13px 14px; font:inherit; background:#fff; color:var(--text); }
input:focus, textarea:focus { outline: 3px solid var(--green-soft); border-color: var(--green); }
.checkbox { display:flex; gap:10px; align-items:flex-start; font-weight:400; color:var(--text); }
.checkbox input { width:auto; margin-top:7px; }
.form-note, .muted-text { color:var(--muted); font-size:.95rem; }
.legal-content h2 { margin-top: 30px; }
.legal-content h2:first-child { margin-top:0; }
.legal-section { background:#fff; }
.site-footer { background: var(--blue); color:#d8e4ef; padding: 48px 0; }
.site-footer h2 { color:#fff; font-size:1.05rem; margin-bottom:12px; }
.site-footer a { color:#fff; }
.footer-grid { display:grid; grid-template-columns: 1.3fr .9fr 1fr; gap: 30px; }
.footer-small { font-size:.92rem; color:#b8c7d8; }
.footer-links { margin:0; padding:0; list-style:none; display:grid; gap:8px; }
@media (max-width: 960px) {
  .hero-grid, .split-intro, .two-column, .learning-path { grid-template-columns: 1fr; }
  .four-cards, .three-cards, .term-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .site-nav { position:absolute; top:76px; left:20px; right:20px; display:none; flex-direction:column; align-items:stretch; padding:16px; background:#fff; border:1px solid var(--gray-2); border-radius:22px; box-shadow:var(--shadow); }
  .site-nav.open { display:flex; }
  .site-nav a { border-radius:14px; }
  .nav-toggle { display:flex; }
}
@media (max-width: 680px) {
  .container, .narrow { width: min(100% - 28px, 1120px); }
  .hero, .page-hero { padding: 48px 0 34px; }
  .section { padding: 46px 0; }
  .four-cards, .three-cards, .term-grid, .content-grid, .footer-grid { grid-template-columns: 1fr; }
  .brand-text { max-width: 190px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
  h1 { font-size: clamp(2rem, 12vw, 3.1rem); }
  .hero-actions { align-items:stretch; flex-direction:column; }
  .btn { width:100%; }
}