:root{--yellow:#ffc90e;--yellow2:#ffdc5e;--black:#111;--ink:#1c1c1c;--paper:#faf6ec;--card:#fff;--mut:#6b6350;--line:#e8dfc8;--green:#2a9d5e;--red:#d33;--maxw:1120px}
*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--ink);font-family:"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;line-height:1.75}
a{color:inherit;text-decoration:none}img{max-width:100%;height:auto;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.btn{display:inline-block;background:var(--black);color:var(--yellow);padding:13px 30px;border-radius:4px;font-weight:800;font-size:.95rem;border:2px solid var(--black);transition:.15s}
.btn:hover{background:var(--yellow);color:var(--black)}
.btn.yellow{background:var(--yellow);color:var(--black);border-color:var(--yellow)}
.btn.ghost{background:#fff;color:var(--black);border:2px solid var(--black)}
.btn.sm{padding:8px 18px;font-size:.85rem}
header.site{position:sticky;top:0;z-index:50;background:var(--black);color:#fff;border-bottom:4px solid var(--yellow)}
.top{display:flex;align-items:center;justify-content:space-between;height:62px}
.logo{display:flex;align-items:center;font-weight:900;font-size:1.3rem;letter-spacing:.02em}
.logo b{color:var(--yellow)}
.logo span{color:#fff}
nav.main{display:flex;gap:20px;align-items:center;font-size:.92rem}
nav.main a{color:#d8d3c2;padding:6px 0;font-weight:700;border-bottom:2px solid transparent}
nav.main a:hover,nav.main a.active{color:var(--yellow);border-color:var(--yellow)}
.nav-toggle{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer}
.hero{padding:64px 0 46px;background:var(--black);color:#fff}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.eyebrow{display:inline-block;color:var(--black);background:var(--yellow);font-weight:900;letter-spacing:.12em;font-size:.78rem;text-transform:uppercase;padding:6px 14px;border-radius:3px;margin-bottom:16px}
.hero h1{font-size:clamp(2.1rem,5vw,3.4rem);font-weight:900;line-height:1.1}
.hero h1 em{font-style:normal;color:var(--yellow)}
.hero .sub{margin:18px 0 0;color:#cfc9b6;max-width:540px;font-size:1.03rem}
.hero .cta-row{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap}
.herocard{background:#1c1c1c;border:1px solid #333;border-radius:10px;padding:20px}
.herocard .l{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid #2c2c2c;font-size:.9rem}
.herocard .l b{color:#fff}
.herocard .l .a{color:var(--green);font-weight:800}
section.blk{padding:52px 0}
section.blk.alt{background:#fff}
h2.sec{font-size:1.6rem;font-weight:900;margin-bottom:10px}
h2.sec em{font-style:normal;color:#b8860b}
p.sec-sub{color:var(--mut);margin-bottom:26px;max-width:680px}
.grid{display:grid;gap:18px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:8px;padding:24px;border-top:4px solid var(--yellow)}
.card h3{font-size:1.1rem;font-weight:800;margin-bottom:8px}
.card p{color:var(--mut);font-size:.93rem}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.note{background:#fff3cd;border-left:4px solid var(--yellow);padding:16px 20px;border-radius:8px;color:#6b5b2a;font-size:.92rem;margin-top:26px}
.risk{background:var(--black);color:#cfc9b6;border-radius:8px;padding:16px 20px;font-size:.86rem;margin-top:34px}
.phead{padding:50px 0 26px;border-bottom:4px solid var(--yellow);background:#fff}
.phead h1{font-size:clamp(1.9rem,4.2vw,2.8rem);font-weight:900}
.phead h1 em{font-style:normal;color:#b8860b}
.lede{margin-top:14px;max-width:720px;color:var(--mut);font-size:1.03rem}
.crumb{font-size:.85rem;color:var(--mut);margin-bottom:14px}.crumb a{color:#b8860b;font-weight:700}
ul.list{margin:12px 0 0 22px}ul.list li{margin-bottom:9px;color:var(--mut)}
table.tb{width:100%;border-collapse:collapse;font-size:.92rem;background:#fff;border:1px solid var(--line);border-radius:8px;overflow:hidden}
.tb th,.tb td{padding:12px 15px;border-bottom:1px solid var(--line);text-align:left}
.tb th{background:var(--black);color:var(--yellow);font-weight:800}
.tb tr:last-child td{border-bottom:0}
.cta-card{background:var(--yellow);color:var(--black);border-radius:12px;padding:44px 34px;text-align:center}
.cta-card h2{font-size:1.5rem;font-weight:900;margin-bottom:8px}
.cta-card p{margin:0 auto 22px;max-width:540px}
.cta-card .btn{background:var(--black);color:var(--yellow)}
.faqwrap{display:flex;flex-direction:column;gap:12px}
.faq{background:#fff;border:1px solid var(--line);border-radius:8px;overflow:hidden}
.faq summary{padding:17px 20px;cursor:pointer;font-weight:800;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"＋";color:#b8860b}
.faq[open] summary::after{content:"－"}.faq .a{padding:4px 20px 17px;color:var(--mut);font-size:.93rem}
footer.site{border-top:4px solid var(--yellow);margin-top:56px;padding:40px 0 32px;background:var(--black);color:#b8b2a0;font-size:.88rem}
.ft{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}.ft nav{display:flex;gap:18px;flex-wrap:wrap}.ft nav a{color:#e8e2d0}.ft nav a:hover{color:var(--yellow)}
@media(max-width:880px){.g3{grid-template-columns:1fr}.g2{grid-template-columns:1fr}.g4{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}
 .hero .wrap{grid-template-columns:1fr}
 .nav-toggle{display:block}
 nav.main{position:fixed;top:62px;left:0;right:0;background:#111;flex-direction:column;align-items:flex-start;padding:18px 20px;gap:16px;border-bottom:3px solid var(--yellow);display:none}
 nav.main.open{display:flex}}