:root{--ink:#0F1B2D;--ground:#F4F6F8;--navy:#12306B;--accent:#FFC233;--muted:#4A5A70}
*{box-sizing:border-box}
body{margin:0;font-family:Manrope,system-ui,sans-serif;color:var(--ink);background:var(--ground);line-height:1.6}
h1,h2,h3{font-family:Sora,system-ui,sans-serif;line-height:1.15}
a{color:var(--navy)}a:hover{color:#C2410C}
.disclosure{background:var(--ink);color:var(--ground);padding:10px 24px;font-size:14px;text-align:center}
.wrap{max-width:1100px;margin:0 auto;padding:0 24px}
header .wrap{display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between;padding-top:22px;padding-bottom:22px}
.logo{font-family:Sora,sans-serif;font-weight:700;font-size:22px;color:var(--ink);text-decoration:none}
nav{display:flex;gap:24px;flex-wrap:wrap}nav a{text-decoration:none;font-weight:600;color:var(--ink)}
.hero{background:var(--navy);color:var(--ground);padding:64px 0 80px}
.hero h1{font-size:clamp(32px,5vw,52px);margin:12px 0 16px;max-width:760px}
.hero p{font-size:20px;max-width:560px;margin:0 0 28px}
.bar{width:64px;height:6px;background:var(--accent)}
.btn{display:inline-block;background:var(--accent);color:var(--ink);font-weight:700;padding:14px 26px;border-radius:999px;text-decoration:none}
section{padding:56px 0}
.white{background:#fff}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px}
.card{background:var(--ground);border-radius:20px;overflow:hidden;display:flex;flex-direction:column}
.ph{height:170px;background:linear-gradient(135deg,#12306B,#2A4A87);color:#DCE6F7;display:flex;align-items:center;justify-content:center;font-family:Sora,sans-serif;font-size:28px;font-weight:700}
.card div.b{padding:22px;display:flex;flex-direction:column;gap:10px}
.card h3{margin:0;font-size:22px}.card p{margin:0}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:28px}
.num{font-family:Sora,sans-serif;font-weight:700;font-size:38px}
article{max-width:760px;margin:0 auto;padding:48px 24px}
article h1{font-size:clamp(30px,4vw,44px)}
.notice{background:#FFF6DB;border-left:6px solid var(--accent);padding:14px 18px;border-radius:8px;margin:20px 0}
.todo{border:2px dashed #7A8899;border-radius:12px;padding:16px 20px;color:var(--muted);margin:20px 0}
footer{background:var(--ink);color:var(--ground);padding:40px 0;font-size:14px}
footer a{color:var(--ground)}
footer .wrap{display:flex;flex-wrap:wrap;gap:24px;justify-content:space-between}
footer .links{display:flex;gap:20px;flex-wrap:wrap}

.ph{background-size:cover;background-position:center;font-size:0}
.cover{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:16px;margin:12px 0}
.credit{font-size:13px;color:var(--muted)}
.ph{background-color:#2A4A87}
.ph.plain{background-image:linear-gradient(135deg,#12306B,#2A4A87);font-size:28px}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin:20px 0}
.facts div{background:#fff;border-radius:12px;padding:12px 14px;font-weight:600}
.facts span{display:block;font-size:12px;color:var(--muted);font-weight:400;text-transform:uppercase;letter-spacing:.05em}
.small{font-size:14px;color:var(--muted)}
.cmp{width:100%;border-collapse:collapse;margin:20px 0;background:#fff;border-radius:12px;overflow:hidden}
.cmp th,.cmp td{padding:12px 14px;text-align:left;border-bottom:1px solid #E3E8EE;vertical-align:top}
.cmp thead th{background:var(--navy);color:var(--ground)}.cmp thead a{color:var(--accent)}
.cmp tbody th{width:28%;color:var(--muted);font-weight:600}
@media(max-width:640px){.cmp th,.cmp td{padding:10px 8px;font-size:14px}}
.cmpbar{display:flex;flex-wrap:wrap;gap:12px;align-items:flex-end;margin:20px 0}
.cmpbar label{flex:1 1 220px;display:flex;flex-direction:column;gap:6px;font-weight:600}
.cmpbar select{font:inherit;padding:12px;border:1px solid #C9D2DC;border-radius:10px;background:#fff;color:inherit}
.cmpbar button{font:inherit;font-size:20px;padding:10px 14px;border:1px solid #C9D2DC;border-radius:10px;background:#fff;cursor:pointer}
.cmpimg{width:100%;height:auto;border-radius:8px;display:block}