:root{--blue:#155aa9;--navy:#14324d;--red:#c9272d;--ink:#1f2933;--muted:#667085;--line:#dfe5ec;--paper:#f4f7fa;--white:#fff}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--paper);color:var(--ink);line-height:1.65}a{text-decoration:none;color:inherit}a:hover{color:var(--red)}
.notice{background:#14324d;color:#fff;font-size:13px}.wrap{max-width:1260px;margin:auto}.notice .wrap{display:flex;justify-content:space-between;padding:8px 20px}
.header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.header .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 20px}.logo{font-size:28px;font-weight:900;color:var(--blue)}.logo span{color:var(--red)}.logo small{display:block;font-size:11px;color:var(--muted);letter-spacing:.16em}.nav{display:flex;gap:16px;font-weight:800;font-size:14px}.reg{background:var(--red);color:#fff;padding:9px 13px}
.page{max-width:1260px;margin:0 auto;padding:22px 20px}.hero{display:grid;grid-template-columns:310px 1fr;gap:24px}.side{background:#fff;border:1px solid var(--line)}.side h3{margin:0;background:var(--navy);color:#fff;padding:15px 16px;text-transform:uppercase;font-size:14px}.side a{display:block;padding:12px 16px;border-bottom:1px solid var(--line);font-weight:900}.side .note{padding:16px;color:var(--muted);font-size:14px}
.banner{min-height:450px;background:linear-gradient(112deg,rgba(20,50,77,.93),rgba(21,90,169,.76)),radial-gradient(circle at 74% 25%,#d5e8ff,transparent 30%),linear-gradient(135deg,#e9eef5,#fff);color:#fff;padding:44px;display:grid;grid-template-columns:1fr 330px;gap:28px;align-items:end}.banner h1{font-size:48px;line-height:1.05;margin:10px 0}.eyebrow{letter-spacing:.18em;text-transform:uppercase;color:#ffd6d8;font-weight:900;font-size:12px}.btn{display:inline-block;background:var(--red);color:#fff;padding:12px 18px;font-weight:900;margin-top:14px}.enquiry{background:#fff;color:var(--ink);padding:22px;box-shadow:0 18px 42px rgba(0,0,0,.22)}.enquiry b{color:var(--blue)}.enquiry input{width:100%;padding:12px;border:1px solid var(--line);margin:10px 0}
.icon-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:10px;margin:24px 0}.icon{background:#fff;border:1px solid var(--line);padding:14px;text-align:center;font-weight:900}.icon span{display:block;color:var(--red);font-size:22px}
.section{background:#fff;border:1px solid var(--line);padding:26px;margin:22px 0}.section h2{margin-top:0;color:var(--navy);font-size:30px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{border:1px solid var(--line);padding:18px;background:#fbfdff}.card b{color:var(--blue)}.updates article{display:grid;grid-template-columns:130px 1fr;gap:18px;border-top:1px solid var(--line);padding:16px 0}.bullet{color:var(--red);font-weight:900}
.layout{display:grid;grid-template-columns:310px 1fr;gap:24px}.content{background:#fff;border:1px solid var(--line);padding:30px}.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:14px}.content h1,.article h1{font-size:39px;line-height:1.12;color:var(--navy)}.article h2{margin-top:30px;color:var(--blue)}.risk{border-left:5px solid var(--red);background:#fff3f3;padding:14px;margin:18px 0;font-weight:800}.faq details{border:1px solid var(--line);padding:12px;margin:10px 0;background:#fbfdff}
.footer{background:#14324d;color:#e7eef7;margin-top:40px}.footer .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:25px;padding:30px 20px}.footer h4{color:#fff}.footer a{display:block;color:#e7eef7;margin:7px 0}
@media(max-width:900px){.hero,.banner,.layout{grid-template-columns:1fr}.icon-grid,.cards,.footer .wrap{grid-template-columns:1fr}.banner h1{font-size:34px}.nav{display:none}}