:root{--brand:#003399;--brand2:#1e70d1;--accent:#ffcc00;--ink:#222;--bg:#f7faff;--card:#fff;--ring:rgba(0,0,0,.08)}
*{box-sizing:border-box}html,body{margin:0;padding:0}
body{font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.7}
a{color:inherit;text-decoration:none}img{max-width:100%;display:block}
.container{max-width:1100px;margin:0 auto;padding:0 20px}
header{position:sticky;top:0;z-index:20;background:var(--brand);color:#fff;box-shadow:0 2px 8px var(--ring)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.brand{display:flex;gap:.6rem;align-items:center;font-weight:800;letter-spacing:.4px}
.brand img{height:28px;width:auto}
nav ul{list-style:none;display:flex;gap:18px;margin:0;padding:0}
nav a{color:#fff;padding-bottom:4px;border-bottom:2px solid transparent;transition:.25s}
nav a:hover,nav a.active{color:var(--accent);border-bottom-color:var(--accent)}
.hero{background:linear-gradient(135deg,var(--brand),var(--brand2));color:#fff;text-align:center;padding:90px 20px}
.hero h1{font-size:2.6rem;margin:.2rem 0 1rem}
.hero p{font-size:1.05rem;opacity:.95}
.btn{display:inline-block;border-radius:28px;padding:12px 22px;font-weight:700;letter-spacing:.3px;text-transform:uppercase;font-size:.85rem;transition:transform .25s, box-shadow .25s}
.btn:hover{transform:translateY(-2px);box-shadow:0 6px 14px rgba(0,0,0,.12)}
.btn.primary{background:var(--accent);color:#000}
.btn.ghost{background:#fff;color:var(--brand);border:2px solid #fff}
.section{padding:56px 0}
h2.section-title{margin:0 0 12px;text-align:center;color:#0a4cc6;font-size:1.7rem}
p.lead{text-align:center;color:#333;margin:0 auto 8px;max-width:720px}
.grid{display:grid;gap:24px}
.grid.cards{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));margin-top:26px}
.card{background:var(--card);border:1px solid #eaeaea;border-radius:14px;box-shadow:0 6px 18px rgba(0,0,0,.05);overflow:hidden}
.card .pad{padding:18px}
.card h3{margin:.3rem 0 0.5rem;color:#0a4cc6}
.kicker{color:#a9d1ff;font-weight:800;text-transform:uppercase;letter-spacing:.6px;font-size:.78rem}
.badge{display:inline-block;padding:4px 10px;border-radius:999px;background:#eef4ff;color:#04307c;font-weight:700;font-size:.75rem}
.disclosure{background:#fff7d1;border:1px solid #ffe08a;color:#6a4b00;padding:12px;border-radius:10px;margin:18px 0;font-size:.95rem}
.ad-slot{border:2px dashed #cfcfcf;background:#f5f5f5;color:#6a6a6a;text-align:center;border-radius:10px;padding:28px;margin:22px 0}
footer{background:#111;color:#aaa;text-align:center;padding:38px 20px;margin-top:50px}
footer a{color:var(--accent);margin:0 10px}
.mini{font-size:.9rem;color:#666}
.list{padding-left:18px}
.table{width:100%;border-collapse:separate;border-spacing:0 8px}
.table th{text-align:left;padding:8px;color:#333}
.table td{background:#fff;border:1px solid #eee;padding:12px;border-radius:8px}
label{font-weight:600;color:#0a4cc6}input,textarea{width:100%;padding:12px;border:1px solid #cfcfcf;border-radius:10px;font-size:1rem}
textarea{min-height:140px}
@media (max-width:720px){.hero h1{font-size:2.1rem}}

.affiliate {
  text-align: center;
  margin: 20px 0;
}
.affiliate .btn {
  background: #0073e6;
  color: #fff;
  padding: 12px 25px;
  border-radius: 6px;
  text-decoration: none;
  font-weight: bold;
  display: inline-block;
}
.affiliate .btn:hover {
  background: #005bb5;
}