:root{--navy:#123d59;--navy2:#0e3148;--gold:#c69a58;--ink:#16334b;--muted:#607386;--paper:#fff;--soft:#f4f7f9;--line:#dfe7ed;--shadow:0 12px 30px rgba(18,61,89,.09);--radius:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}a{color:#0b6195;text-decoration:none}img{max-width:100%}.container{width:min(1180px,calc(100% - 40px));margin:auto}.narrow{width:min(860px,calc(100% - 40px));margin:auto}
.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid #edf1f4}.header-inner{min-height:78px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:10px;color:var(--navy);margin-right:auto}.brand-mark{height:46px;width:56px;display:flex;align-items:flex-end;gap:4px}.brand-mark i{display:block;width:8px;height:var(--h);background:linear-gradient(#dcc295,#ae7e39);border-radius:2px 2px 0 0}.brand-copy{display:flex;flex-direction:column;line-height:1}.brand-copy strong{font-family:Georgia,serif;font-size:28px;letter-spacing:-.7px}.brand-copy small{font-size:8.5px;letter-spacing:.11em;margin-top:6px}.nav{display:flex;gap:22px;align-items:center}.nav a,.link-login{font-size:14px;color:var(--ink);font-weight:600}.nav-actions{display:flex;gap:14px;align-items:center}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 20px;border-radius:8px;font-weight:700;border:1px solid transparent;transition:.2s}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--navy);color:white;box-shadow:var(--shadow)}.btn-outline{border-color:#7794a7;color:var(--navy);background:#fff}.btn-gold{background:#d3a25f;color:#17344a}.menu-toggle{display:none;border:0;background:none;font-size:26px;color:var(--navy)}
.hero{background:linear-gradient(90deg,#fff 0%,#fbf7f0 55%,#eef2f4 100%)}.hero-grid{min-height:525px;display:grid;grid-template-columns:1.05fr .95fr;align-items:stretch}.hero-copy{padding:70px 20px 48px 0;z-index:2}.eyebrow{font-size:12px;letter-spacing:.14em;font-weight:800;color:#41677e}.hero h1,.page-hero h1,h2{font-family:Georgia,serif}.hero h1{font-size:57px;line-height:1.02;margin:16px 0 20px;letter-spacing:-1.5px}.lead{font-size:20px;color:#405b6e;max-width:700px}.cta-row{display:flex;gap:14px;margin:28px 0}.micro-features{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:45px;font-size:12px;font-weight:700}.hero-visual{position:relative;overflow:hidden;min-height:525px;background:linear-gradient(180deg,#eff4f7 0,#f6ead6 70%,#d8d2b9 100%)}.hero-visual .sun{position:absolute;width:180px;height:180px;border-radius:50%;background:radial-gradient(circle,#fff8d5 0,#f2c77f 38%,rgba(242,199,127,0) 70%);right:10%;top:34%}.hero-visual .road{position:absolute;width:390px;height:95px;border-radius:50%;border-bottom:18px solid rgba(255,255,255,.9);right:-60px;bottom:12%;transform:rotate(-15deg)}.person-silhouette{position:absolute;left:38%;bottom:0;width:120px;height:310px;background:linear-gradient(#262c31,#182129);border-radius:58px 58px 20px 20px}.person-silhouette:before{content:"";position:absolute;left:33px;top:-42px;width:58px;height:58px;border-radius:50%;background:#2a241f}.hero-visual p{position:absolute;right:8%;top:10%;font-family:Georgia,serif;font-size:21px;line-height:1.18}.section{padding:54px 0}.soft{background:var(--soft)}.section-head{display:flex;justify-content:space-between;gap:20px;align-items:end;margin-bottom:24px}.section-head h2{margin:0;font-size:30px}.section-head p{margin:2px 0;color:var(--muted)}.debt-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.debt-card{background:white;border:1px solid #edf1f4;border-radius:14px;padding:20px;min-height:150px;color:var(--ink);box-shadow:0 5px 18px rgba(18,61,89,.04);display:flex;flex-direction:column}.debt-card:hover{box-shadow:var(--shadow)}.debt-card strong{margin:8px 0 4px}.debt-card small{color:var(--muted);line-height:1.4}.debt-icon{font-size:30px;color:var(--navy)}.split-feature{display:grid;grid-template-columns:1fr 1fr;background:var(--soft);border-radius:var(--radius);overflow:hidden}.quote-panel{min-height:330px;padding:50px;background:linear-gradient(120deg,rgba(18,61,89,.95),rgba(78,74,68,.82));display:flex;align-items:center}.quote-panel blockquote{font-family:Georgia,serif;color:white;font-size:30px;line-height:1.3;margin:0;max-width:390px}.feature-copy{padding:44px}.feature-copy h2{font-size:34px;margin:4px 0 12px}.mini-grid{display:flex;gap:18px;margin:25px 0;flex-wrap:wrap}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.guide-card{background:#fff;border:1px solid #e7edf1;border-radius:14px;padding:24px}.guide-card h3{font-family:Georgia,serif;font-size:22px;line-height:1.25}.tag{font-size:10px;color:#1972a6;font-weight:800}.final-cta{background:linear-gradient(90deg,var(--navy2),#1c5677);color:#fff}.final-cta-inner{min-height:140px;display:flex;align-items:center;justify-content:space-between}.final-cta h2{font-size:30px;margin:0}.final-cta p{margin:3px 0;color:#dbe8ef}.site-footer{padding:48px 0 20px;background:#fff}.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:38px}.footer-grid h3{font-size:14px}.footer-grid>div>a{display:block;color:var(--ink);font-size:13px;margin:6px 0}.muted{color:var(--muted);font-size:13px}.footer-bottom{border-top:1px solid var(--line);margin-top:35px;padding-top:18px;display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}
.page-hero{padding:68px 0 55px;background:linear-gradient(120deg,#f8fafb,#f6eee3)}.page-hero h1{font-size:50px;line-height:1.08;margin:12px 0}.content>section{padding:14px 0 22px;border-bottom:1px solid var(--line)}.content h2{font-size:28px}.content p,.content li{font-size:17px}.notice{padding:18px 20px;background:#eef6fa;border-left:4px solid #5b91ad;border-radius:8px}.warning{background:#fff8eb;border-color:#c69a58}.legal-placeholder{color:#8a4f16;font-weight:700}.topic-list{display:grid;gap:14px}.topic-row{display:flex;align-items:center;justify-content:space-between;padding:22px 26px;border:1px solid var(--line);border-radius:14px;color:var(--ink);box-shadow:0 4px 15px rgba(18,61,89,.04)}.topic-row h2{margin:0}.topic-row p{margin:4px 0;color:var(--muted)}
@media(max-width:980px){.nav{position:absolute;display:none;top:78px;left:0;right:0;background:#fff;padding:20px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}.nav.open{display:flex}.menu-toggle{display:block}.link-login{display:none}.hero-grid{grid-template-columns:1fr}.hero-visual{min-height:360px}.hero-copy{padding-right:0}.micro-features{grid-template-columns:1fr 1fr}.debt-grid{grid-template-columns:repeat(2,1fr)}.split-feature{grid-template-columns:1fr}.guide-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.container,.narrow{width:min(100% - 28px,1180px)}.header-inner{min-height:70px}.brand-copy strong{font-size:22px}.brand-mark{width:42px;height:38px}.brand-mark i{width:6px}.nav-actions>.btn{display:none}.hero h1{font-size:42px}.hero-copy{padding-top:50px}.lead{font-size:18px}.cta-row{flex-direction:column;align-items:stretch}.micro-features{grid-template-columns:1fr}.hero-visual{min-height:300px}.hero-visual p{font-size:16px}.person-silhouette{height:240px;width:90px}.debt-grid{grid-template-columns:1fr}.section{padding:38px 0}.section-head{align-items:flex-start;flex-direction:column}.quote-panel{min-height:250px;padding:30px}.quote-panel blockquote{font-size:25px}.feature-copy{padding:30px}.footer-grid{grid-template-columns:1fr}.footer-bottom,.final-cta-inner{flex-direction:column;align-items:flex-start;gap:20px;padding-top:25px;padding-bottom:25px}.page-hero h1{font-size:39px}}