*{box-sizing:border-box}html,body{margin:0;padding:0}body{font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:#e6e6e6;background:#0b0f16;line-height:1.6}
:root{--bg:#0b0f16;--bg-alt:#0f1520;--panel:#131b28;--text:#e6e6e6;--muted:#b4c0cf;--brand:#f0b90b;--brand-2:#e89c0c;--border:#1f2a3c;--shadow:0 10px 30px rgba(0,0,0,.35)}
.container{max-width:1100px;margin:0 auto;padding:0 20px}
.site-header{position:sticky;top:0;z-index:20;background:#0a0f17;border-bottom:1px solid var(--border)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{flex-shrink:0}
.logo-wrap{display:flex;align-items:center;gap:10px}
.brand{font-weight:900;letter-spacing:.5px;color:#ffd452;font-size:20px}
.brand span{font-weight:700;color:#ffef9d;font-size:12px;margin-left:6px}
.header-actions{display:flex;align-items:center;gap:10px}
.lang-select{appearance:none;background:#121a27;color:#e7edf6;border:1px solid var(--border);border-radius:10px;padding:8px 10px;font-weight:700}
.hamburger{display:none;background:none;border:0;padding:8px;cursor:pointer}
.hamburger span{display:block;width:24px;height:2px;background:#fff;margin:5px 0}
.hero{position:relative;background:linear-gradient(180deg,rgba(240,185,11,.12),rgba(11,15,22,0) 60%), radial-gradient(1200px 600px at 80% -50%,rgba(232,156,12,.25),transparent 60%),var(--bg);min-height:var(--hero-height,100vh);display:flex;align-items:center;border-bottom:1px solid var(--border);padding:0}
.hero::after{content:"";position:absolute;inset:0;background-image:var(--hero-bg, none);background-size:var(--hero-bg-size, cover);background-position:center var(--hero-bg-pos, 70%);background-repeat:no-repeat;z-index:0}
.hero .container{position:relative;z-index:1;padding:64px 0}
.hero .category-tabs{position:relative;z-index:1}
.headline h1{margin:0 0 12px;font-size:44px;line-height:1.1;letter-spacing:.5px}
.hero-cta{display:flex;gap:12px;margin-bottom:12px}
.btn{display:inline-block;padding:12px 18px;border-radius:10px;text-decoration:none;color:#fff;background:#1a2231;border:1px solid var(--border);transition:.2s ease}
.btn:hover{transform:translateY(-1px)}
.btn.primary{background:linear-gradient(180deg,var(--brand),var(--brand-2));color:#1a1a1a;border-color:#c88b06}
.hero-steps{list-style:none;margin:10px 0 24px;padding:0;display:flex;gap:18px;flex-wrap:wrap;color:#e6e6e6}
.hero-steps li{display:flex;align-items:center;gap:10px;background:rgba(0,0,0,.25);padding:10px 12px;border:1px solid rgba(255,255,255,.08);border-radius:12px}
.hero-steps .step-num{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;border-radius:8px;background:#fff;color:#0b0f16;font-weight:800}
.category-tabs{background:#0d1320;border-top:1px solid var(--border);border-bottom:1px solid var(--border);margin-top:24px}
.tabs-inner{display:flex;gap:8px;overflow:auto;white-space:nowrap;padding:10px 20px}
.category-tabs a{color:#cbd6e2;text-decoration:none;font-weight:700;font-size:13px;padding:10px 14px;border-radius:10px;border:1px solid transparent}
.category-tabs a.active,.category-tabs a:hover{background:#151e2f;border-color:#2a3a55}
.subnav{position:sticky;top:64px;z-index:10;background:#f2f5f9;color:#1a2231;border-bottom:1px solid #dfe7ef}
.subnav-inner{display:flex;gap:14px;overflow:auto;white-space:nowrap;height:44px;align-items:center}
.subnav a{color:#1c2b3f;text-decoration:none;font-weight:700;font-size:13px;padding:6px 10px;border-radius:8px}
.subnav a:hover{background:#e7eef7}
.section{padding:64px 0;background:var(--bg)}
.section.alt{background:var(--bg-alt)}
.two-col{display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:start}
.card{background:var(--panel);border:1px solid var(--border);border-radius:14px;padding:20px;box-shadow:var(--shadow)}
.card.highlight{background:linear-gradient(180deg,rgba(240,185,11,.08),transparent),var(--panel)}
.facts{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.facts li{display:flex;align-items:center;justify-content:space-between;border-bottom:1px dashed var(--border);padding:8px 0}
.facts span{color:var(--muted)}
.facts strong{color:#fff}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:14px}
.step{background:var(--panel);border:1px solid var(--border);border-radius:14px;padding:18px;position:relative}
.step .num{position:absolute;top:-12px;left:-12px;background:linear-gradient(180deg,var(--brand),var(--brand-2));color:#1a1a1a;width:36px;height:36px;display:flex;align-items:center;justify-content:center;border-radius:10px;font-weight:800}
.cta-row{margin-top:18px;display:flex;gap:12px}
.bullets{margin:0;padding-left:18px;color:var(--muted)}
.ordered{margin:0;padding-left:18px;color:var(--muted)}
.grid.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:12px}
.grid .card h3{margin-top:0}
.note{margin-top:12px;color:var(--muted)}
.accordion details{background:var(--panel);border:1px solid var(--border);border-radius:12px;padding:14px;margin-bottom:12px}
.accordion summary{cursor:pointer;font-weight:600}
.site-footer{background:#0a0e14;border-top:1px solid var(--border);padding:28px 0 18px;color:#c3cfdd}
.footer-top{display:flex;align-items:center;justify-content:space-between;gap:20px}
.footer-left .logo{margin-right:8px}
.footer-right{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.partners-title{color:#e5edf7;font-weight:800}
.legal-links{color:#9fb0c4;font-weight:700}
.footer-cta{margin:18px 0;background:#111827;border:1px solid #223147;border-radius:14px;padding:16px;display:flex;align-items:center;justify-content:space-between;box-shadow:var(--shadow)}
.footer-cta .cta-text{color:#e7edf6;font-weight:700}
.copyright{text-align:center;color:#8fa3b9;margin:10px 0 0;font-size:13px}
@media (max-width:960px){
  .two-col{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .grid.cards{grid-template-columns:1fr 1fr}
  .container{padding:0 16px}
}
@media (max-width:720px){
  .hamburger{display:block}
  .grid.cards{grid-template-columns:1fr}
  .headline h1{font-size:34px}
  .subnav{top:64px}
  .hero{min-height:80vh}
  .hero .container{padding:48px 0}
  .cta-row .btn{flex:1;text-align:center}
  .steps{gap:12px}
  .step{padding:14px}
  .step .num{width:32px;height:32px;top:-10px;left:-10px}
  .tabs-inner{padding:8px 12px}
  .subnav-inner{height:40px}
  .subnav a{padding:6px 8px}
}
@media (max-width:420px){
  .headline h1{font-size:28px}
  .hero{min-height:70vh}
  .btn{padding:12px 14px}
  .grid.cards{grid-template-columns:1fr}
  .legal-links{font-size:12px}
}