:root {
  --ink: #16324f;
  --sub: #3d5770;
  --band-a: #e8f1fb;
  --band-b: #ffffff;
  --line: #c5d6e8;
  --blue: #1d4e89;
  --btn: #1d4e89;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", sans-serif;
  color: var(--ink);
  font-size: 18px;
  line-height: 1.75;
  background: var(--band-b);
}

a { color: var(--blue); }
a:hover { text-decoration: underline; }

.bar {
  background: var(--blue);
  color: #fff;
}

.bar-inner {
  max-width: 920px;
  margin: 0 auto;
  padding: 14px 24px 0;
}

.brand {
  font-size: 15px;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 8px;
}

.nav { display: flex; gap: 24px; list-style: none; }

.nav a {
  color: #d5e4f5;
  text-decoration: none;
  display: inline-block;
  padding: 10px 0 14px;
  font-size: 16px;
}

.nav a.is-current {
  color: #fff;
  box-shadow: inset 0 -3px 0 #fff;
}

.band { padding: 40px 24px; }
.band-a { background: var(--band-a); }
.band-b { background: var(--band-b); }

.inner { max-width: 920px; margin: 0 auto; }

.hero h1 {
  font-size: 40px;
  line-height: 1.25;
  letter-spacing: -0.03em;
  margin-bottom: 16px;
}

.cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin: 20px 0 10px; }

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--btn);
  color: #fff;
  text-decoration: none;
  padding: 14px 22px;
  font-size: 16px;
  font-weight: 700;
}

.btn:hover { background: #163b68; text-decoration: none; color: #fff; }

.btn-ghost {
  background: transparent;
  color: var(--blue);
  border: 2px solid var(--blue);
}

.note { font-size: 15px; color: var(--sub); }

h2 {
  font-size: 28px;
  line-height: 1.3;
  margin-bottom: 14px;
}

p { margin-bottom: 14px; }
ul, ol { margin: 0 0 14px 1.2em; }
li { margin-bottom: 8px; }

table { width: 100%; border-collapse: collapse; margin: 14px 0 18px; font-size: 15px; }
th, td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; }
th { background: #d7e6f5; }

.risk { border-left: 8px solid #b42318; padding-left: 18px; }

.qa {
  border-left: 6px solid var(--blue);
  padding: 4px 0 4px 16px;
  margin: 18px 0;
}

.qa h3 {
  font-size: 18px;
  margin-bottom: 6px;
}

.faq dt {
  font-size: 18px;
  font-weight: 700;
  margin-top: 20px;
  padding-left: 12px;
  border-left: 4px solid var(--blue);
}

.faq dd { margin: 8px 0 0; color: var(--sub); }

footer {
  background: #10233a;
  color: #c5d4e4;
  padding: 36px 24px 48px;
  font-size: 14px;
  line-height: 1.7;
}

.footer-inner { max-width: 920px; margin: 0 auto; }
footer p { margin-bottom: 8px; }
footer a { color: #9ec0e6; }

@media (max-width: 700px) {
  .hero h1 { font-size: 28px; }
  h2 { font-size: 22px; }
}