:root{
  --navy:#0B1F3A; --navy-2:#132B4D; --ink:#0F1B2D; --muted:#4A5A6E; --line:#E3E8EE;
  --bg:#F4F6F8; --white:#FFFFFF; --green:#12B76A; --green-d:#0B7A4B; --green-l:#E7F8EF;
  --gold:#B7791F; --gold-l:#FFF6E0; --red:#B42318; --red-l:#FEF3F2; --blue:#1D4ED8;
  --radius:16px; --shadow:0 1px 2px rgba(11,31,58,.06),0 8px 24px rgba(11,31,58,.06);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Be Vietnam Pro",system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:16px}
a{color:var(--green-d)}
a:hover{color:var(--navy)}
img,svg{display:block}
.container{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.2;margin:0;letter-spacing:-.02em}
h2{font-size:clamp(26px,3.4vw,38px);font-weight:800}
h3{font-size:20px;font-weight:700}
p{margin:0}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--green-d)}
.section{padding:80px 0}
.section.alt{background:var(--bg)}
.section-head{display:flex;flex-direction:column;gap:12px;max-width:760px;margin-bottom:40px}
.section-head p{color:var(--muted);font-size:18px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 22px;border-radius:12px;font-weight:700;font-size:16px;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:inherit;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--green);color:#fff}
.btn-primary:hover{background:var(--green-d);color:#fff}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}
.btn-ghost:hover{border-color:#fff;color:#fff}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-outline:hover{border-color:var(--navy);color:var(--navy)}
.btn-sm{min-height:44px;padding:0 14px;font-size:14px;border-radius:10px}
header{position:sticky;top:0;z-index:50;background:rgba(11,31,58,.97);backdrop-filter:blur(8px)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;font-weight:800;font-size:24px;letter-spacing:-.03em}
.brand span{color:#3DDC97}
.nav-links{display:flex;gap:6px;align-items:center;flex-wrap:wrap}
.nav-links a{color:#C9D4E3;text-decoration:none;font-weight:600;font-size:15px;padding:10px 12px;border-radius:8px}
.nav-links a:hover{color:#fff;background:rgba(255,255,255,.08)}
.nav-toggle{display:none;background:none;border:0;color:#fff;min-width:44px;min-height:44px;cursor:pointer}
@media (max-width:900px){
  .nav-links{display:none;position:absolute;top:68px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:8px 20px 20px}
  .nav-links.open{display:flex}
  .nav-toggle{display:inline-flex;align-items:center;justify-content:center}
}
.hero{background:var(--navy);color:#fff;padding:72px 0 88px;position:relative;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
.hero h1{font-size:clamp(34px,5vw,56px);font-weight:800}
.hero h1 em{font-style:normal;color:#3DDC97}
.hero-lead{font-size:19px;color:#C9D4E3;margin-top:20px;max-width:620px}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}
.hero-points{display:flex;gap:20px;flex-wrap:wrap;margin-top:32px;color:#C9D4E3;font-size:15px}
.hero-points div{display:flex;align-items:center;gap:8px}
.hero-card{background:var(--navy-2);border:1px solid rgba(255,255,255,.1);border-radius:20px;padding:28px}
.hero-card .label{font-size:14px;color:#9FB0C6}
.hero-card .big{font-size:48px;font-weight:800;color:#3DDC97;letter-spacing:-.03em;line-height:1.1;margin-top:6px}
.hero-card .row{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:15px}
.hero-card .row:last-of-type{border-bottom:0}
.hero-card .row b{color:#fff}
.hero-card small{display:block;color:#9FB0C6;font-size:13px;margin-top:12px}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
@media (max-width:900px){.grid-3,.grid-2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.step-num{width:44px;height:44px;border-radius:12px;background:var(--green-l);color:var(--green-d);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px;margin-bottom:16px}
.card p{color:var(--muted);margin-top:8px}
.explain{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media (max-width:900px){.explain{grid-template-columns:1fr}}
.explain-list{display:flex;flex-direction:column;gap:16px;margin-top:24px}
.explain-list div{display:flex;gap:14px;align-items:flex-start}
.check{flex:0 0 28px;height:28px;border-radius:50%;background:var(--green-l);display:flex;align-items:center;justify-content:center}
.flow{display:flex;flex-direction:column;gap:12px}
.flow-box{border-radius:14px;padding:18px 20px;border:1px solid var(--line);background:#fff}
.flow-box b{display:block;font-size:17px}
.flow-box span{color:var(--muted);font-size:15px}
.flow-arrow{align-self:center;color:var(--muted)}
.flow-box.hl{background:var(--green-l);border-color:#B7EBCF}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}
table{width:100%;border-collapse:collapse;min-width:760px;font-size:15px}
th,td{padding:16px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#F8FAFC;font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:700}
tr:last-child td{border-bottom:0}
td .tag{display:inline-block;font-size:12px;font-weight:700;padding:3px 10px;border-radius:999px}
.tag-green{background:var(--green-l);color:var(--green-d)}
.tag-gold{background:var(--gold-l);color:#8A5A12}
.tag-gray{background:#EEF2F6;color:var(--muted)}
.num{font-weight:800;color:var(--green-d);font-size:17px}
.pending{color:#7A8799;font-style:italic}
.note{font-size:14px;color:var(--muted);margin-top:14px}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:20px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line)}
@media (max-width:900px){.calc{grid-template-columns:1fr}}
.calc-form{background:#fff;padding:32px;display:flex;flex-direction:column;gap:18px}
.field{display:flex;flex-direction:column;gap:6px}
.field label{font-weight:600;font-size:15px}
.field select,.field input{font-family:inherit;font-size:16px;min-height:48px;padding:0 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}
.field select:focus,.field input:focus{outline:3px solid #B7EBCF;border-color:var(--green)}
.field .hint{font-size:13px;color:var(--muted)}
.calc-result{background:var(--navy);color:#fff;padding:32px;display:flex;flex-direction:column;gap:16px;justify-content:center}
.calc-result .label{color:#9FB0C6;font-size:15px}
.calc-result .big{font-size:clamp(40px,6vw,60px);font-weight:800;color:#3DDC97;letter-spacing:-.03em;line-height:1}
.calc-result .sub{color:#C9D4E3;font-size:15px}
.calc-result .breakdown{border-top:1px solid rgba(255,255,255,.12);padding-top:16px;display:flex;flex-direction:column;gap:8px;font-size:15px;color:#C9D4E3}
.calc-result .breakdown div{display:flex;justify-content:space-between;gap:12px}
.calc-result .breakdown b{color:#fff}
.brokers{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
@media (max-width:900px){.brokers{grid-template-columns:1fr}}
.broker{display:flex;flex-direction:column;gap:18px}
.broker-top{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;flex-wrap:wrap}
.broker-name{font-size:26px;font-weight:800;letter-spacing:-.02em}
.broker-sub{color:var(--muted);font-size:14px}
.facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.fact{background:var(--bg);border-radius:12px;padding:12px 14px}
.fact small{display:block;color:var(--muted);font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.05em}
.fact b{font-size:15px}
.code-box{display:flex;align-items:center;justify-content:space-between;gap:12px;border:1.5px dashed #B7EBCF;background:var(--green-l);border-radius:12px;padding:10px 10px 10px 16px;flex-wrap:wrap}
.code-box .code{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-weight:700;font-size:18px;color:var(--navy)}
.code-box small{display:block;color:var(--muted);font-size:12px;font-family:inherit;font-weight:600}
.alert{border-radius:12px;padding:14px 16px;font-size:15px;display:flex;gap:10px;align-items:flex-start}
.alert-warn{background:var(--gold-l);color:#6B4610;border:1px solid #F3D9A4}
.alert-info{background:#EFF6FF;color:#1E3A8A;border:1px solid #C7DBFE}
.broker-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:auto}
.payout{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
@media (max-width:900px){.payout{grid-template-columns:1fr}}
.faq{display:flex;flex-direction:column;gap:12px;max-width:860px}
details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 20px}
summary{cursor:pointer;font-weight:700;font-size:17px;padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:12px;align-items:center;min-height:44px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:24px;color:var(--green-d);font-weight:500}
details[open] summary::after{content:"–"}
details p{color:var(--muted);padding-bottom:18px}
.cta-band{background:var(--navy);color:#fff;border-radius:24px;padding:48px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band p{color:#C9D4E3;margin-top:10px;font-size:17px}
.contact-btns{display:flex;gap:12px;flex-wrap:wrap}
footer{background:#08172C;color:#9FB0C6;padding:48px 0 32px;font-size:14px}
.foot-grid{display:flex;justify-content:space-between;gap:32px;flex-wrap:wrap}
.risk{margin-top:32px;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);line-height:1.7}
.risk b{color:#fff}
.partner-note{display:flex;align-items:center;gap:8px;color:#C9D4E3}
.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%) translateY(120px);background:var(--navy);color:#fff;padding:14px 20px;border-radius:12px;font-weight:600;box-shadow:var(--shadow);transition:transform .25s;z-index:100}
.toast.show{transform:translateX(-50%) translateY(0)}
.brief{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:var(--shadow)}
.brief-date{font-size:14px;color:var(--green-d);font-weight:700}
.brief-title{font-size:clamp(20px,2.4vw,26px);font-weight:800;margin-top:6px}
.brief-summary{color:var(--muted);margin-top:10px;font-size:17px}
.brief-h{font-size:15px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin:24px 0 10px}
.brief-list{margin:0;padding-left:20px;color:var(--ink)}
.brief-list li{margin:6px 0}
.brief-watch{margin-top:20px;background:var(--gold-l);border:1px solid #F3D9A4;border-radius:12px;padding:14px 16px;color:#5B3B0C}
.brief-disclaimer{font-size:13px;color:#7A8799;margin-top:16px}
.archive{display:grid;grid-template-columns:240px 1fr;gap:24px;align-items:start}
@media (max-width:900px){.archive{grid-template-columns:1fr}}
.archive-list{display:flex;flex-direction:column;gap:8px}
.archive-list a{display:block;padding:12px 14px;border-radius:12px;border:1px solid var(--line);background:#fff;text-decoration:none;color:var(--ink);font-size:14px;min-height:44px}
.archive-list a[aria-current="true"]{border-color:var(--green);background:var(--green-l)}
.archive-list small{display:block;color:var(--muted)}