*{box-sizing:border-box;margin:0;padding:0}
:root{--red:#C20D0D;--redD:#990B0B;--navy:#1C242F;--ink:#23272e;--mut:#6c7480;--bg:#fff;--soft:#f5f6f8;--line:#e7e9ee}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:var(--navy);text-decoration:none}
.topbar{background:var(--navy);color:#fff;font-size:13px;display:flex;justify-content:space-between;gap:12px;padding:8px 5vw;flex-wrap:wrap}
.topbar a{color:#fff}
.hd{display:flex;align-items:center;gap:18px;padding:16px 5vw;background:#fff;position:sticky;top:0;z-index:20}
.logo img{display:block}
.hbtn{margin-left:auto;background:var(--red);color:#fff;padding:11px 22px;border-radius:6px;font-weight:700;font-size:14px}
.hbtn:hover{background:var(--redD)}
.catnav{display:flex;gap:6px 22px;flex-wrap:wrap;justify-content:center;padding:12px 5vw;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-size:14px;font-weight:600;background:#fff}
.catnav a{color:var(--navy)}.catnav a:hover{color:var(--red)}
.bread{padding:14px 5vw;font-size:13px;color:var(--mut)}
.bread a{color:var(--mut)}.bread span{color:var(--ink)}
.hero{display:flex;gap:32px;align-items:center;padding:24px 5vw 12px;max-width:1060px}
.hero-img{flex:none;width:330px;max-width:42vw}
.hero-img img{width:100%;height:auto;aspect-ratio:1/1;object-fit:contain;background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px}
.hero-txt{flex:1;min-width:280px}
.hero h1{font-size:32px;line-height:1.2;color:var(--navy);margin-bottom:10px}
.lead{font-size:18px;color:var(--mut);margin-bottom:18px}
.ctabox{display:flex;gap:12px;flex-wrap:wrap;margin:8px 0 4px}
.cta{display:inline-block;background:var(--red);color:#fff;font-weight:700;padding:13px 24px;border-radius:6px;box-shadow:0 4px 14px rgba(194,13,13,.22);transition:.15s}
.cta:hover{background:var(--redD);transform:translateY(-1px)}
.cta.ghost{background:#fff;color:var(--navy);border:2px solid var(--navy);box-shadow:none}
.cta.ghost:hover{background:var(--navy);color:#fff}
.art{max-width:980px;padding:14px 5vw 10px}
.art h2{color:var(--navy);font-size:23px;margin:26px 0 10px;padding-top:6px}
.art p{margin:0 0 14px}
.steps{display:grid;gap:12px;margin:6px 0 10px}
.step{display:flex;gap:14px;background:var(--soft);border-radius:10px;padding:14px 16px;border:1px solid var(--line)}
.snum{flex:none;width:34px;height:34px;border-radius:50%;background:var(--red);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.step strong{display:block;margin-bottom:3px;color:var(--navy)}
.step p{margin:0;font-size:15px;color:var(--mut)}
.faq{margin:6px 0}
.faq details{border:1px solid var(--line);border-radius:8px;margin-bottom:9px;padding:0 16px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:13px 0;list-style:none;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary:before{content:"+";color:var(--red);font-weight:800;margin-right:10px}
.faq details[open] summary:before{content:"–"}
.faq details>div{padding:0 0 14px;color:var(--mut)}
.finalcta{max-width:980px;margin:24px 5vw;background:var(--navy);color:#fff;border-radius:14px;padding:30px 26px;text-align:center}
.finalcta h2{color:#fff;margin-bottom:8px}.finalcta p{margin-bottom:16px;opacity:.92}
.finalcta .cta{background:var(--red)}.finalcta .cta:hover{background:var(--redD)}
.rel{max-width:980px;padding:6px 5vw 30px}
.rel h2{color:var(--navy);font-size:20px;margin-bottom:10px}
.rel ul{list-style:none;display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:6px 18px}
.rel a{font-size:14px;color:var(--red)}.rel a:hover{text-decoration:underline}
.ft{background:var(--soft);display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;padding:34px 5vw;border-top:3px solid var(--red)}
.ft h3{font-size:15px;margin-bottom:10px;color:var(--navy)}
.ft a{display:block;color:var(--mut);font-size:14px;margin-bottom:6px}.ft a:hover{color:var(--red)}
.ft p{color:var(--mut);font-size:14px;margin-top:8px}
.ftbar{background:var(--navy);color:#fff;text-align:center;font-size:12px;padding:13px}
.wfloat{position:fixed;right:18px;bottom:18px;width:54px;height:54px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 14px rgba(0,0,0,.25);z-index:30}
.hgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:14px;margin:10px 0 20px}
.hcard{background:var(--soft);border-radius:10px;padding:18px;border:1px solid var(--line);border-left:4px solid var(--red)}
.hcard h3{color:var(--navy);font-size:16px;margin-bottom:4px}.hcard span{color:var(--mut);font-size:13px}
@media(max-width:760px){.hero{flex-direction:column;align-items:stretch}.hero-img{width:100%;max-width:300px;margin:0 auto}}
@media(max-width:640px){.hero h1{font-size:26px}.catnav{gap:4px 14px;font-size:13px}}