:root{--hd:'Raleway',sans-serif;--bd:'Source Sans 3',sans-serif;--p:#1E3A5F;--a:#D4A843;--bg:#F6F7F9;--alt:#E9ECF0;--tx:#333;--wh:#fff;--rd:8px}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--bd);color:var(--tx);line-height:1.7;background:var(--wh)}
h1,h2,h3,h4{font-family:var(--hd);color:var(--p);line-height:1.25}
a{color:var(--p);text-decoration:none}
img{max-width:100%;height:auto;display:block}
ul{list-style:none}

.scb-disclaimer{background:var(--p);color:var(--wh);font-size:.8rem;text-align:center;padding:10px 20px;line-height:1.5}
.scb-disclaimer span{color:var(--a);font-weight:600}

.scb-header{background:var(--wh);padding:0 40px;display:flex;align-items:center;justify-content:space-between;height:72px;position:sticky;top:0;z-index:100;box-shadow:0 2px 12px rgba(0,0,0,.06)}
.scb-logo{font-family:var(--hd);font-size:1.45rem;font-weight:700;color:var(--p)}
.scb-logo span{color:var(--a)}
.scb-nav{display:flex;gap:28px}
.scb-nav a{font-size:.92rem;font-weight:600;transition:color .2s}
.scb-nav a:hover{color:var(--a)}
.scb-burger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:4px}
.scb-burger i{width:24px;height:2.5px;background:var(--p);border-radius:2px;transition:transform .3s}

.scb-hero{background:linear-gradient(135deg,var(--p) 0%,#2a4f7a 100%);color:var(--wh);padding:90px 40px 80px;text-align:center}
.scb-hero-inner{max-width:780px;margin:0 auto}
.scb-badge{display:inline-block;background:rgba(212,168,67,.18);color:var(--a);font-size:.78rem;font-weight:600;padding:6px 18px;border-radius:20px;margin-bottom:22px;letter-spacing:.5px;text-transform:uppercase}
.scb-hero h1{font-size:2.2rem;font-weight:700;margin-bottom:18px;color:var(--wh)}
.scb-hero p{font-size:1.08rem;opacity:.88;max-width:620px;margin:0 auto}

.scb-section{padding:70px 40px}
.scb-section-alt{background:var(--bg)}
.scb-container{max-width:1080px;margin:0 auto}
.scb-section-tag{font-size:.75rem;color:var(--a);font-weight:600;text-transform:uppercase;letter-spacing:1px;margin-bottom:8px}
.scb-section-title{font-size:1.85rem;font-weight:700;margin-bottom:14px}
.scb-section-sub{font-size:1rem;color:#666;max-width:600px;margin-bottom:40px}

.scb-about-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
.scb-about-img{border-radius:var(--rd);overflow:hidden}
.scb-about-img img{width:100%;object-fit:cover}
.scb-about-text p{margin-bottom:16px;color:#555}

.scb-cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.scb-card{background:var(--wh);border-radius:var(--rd);padding:32px 26px;box-shadow:0 2px 16px rgba(0,0,0,.05);transition:transform .25s,box-shadow .25s}
.scb-card:hover{transform:translateY(-4px);box-shadow:0 8px 28px rgba(0,0,0,.1)}
.scb-card-icon{width:48px;height:48px;background:rgba(30,58,95,.08);border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:18px;font-size:1.4rem;color:var(--p)}
.scb-card h3{font-size:1.1rem;margin-bottom:10px;font-weight:700}
.scb-card p{font-size:.92rem;color:#666;line-height:1.6}

.scb-process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.scb-step{position:relative;padding:30px 20px}
.scb-step-num{width:44px;height:44px;border-radius:50%;background:var(--a);color:var(--wh);font-family:var(--hd);font-weight:700;font-size:1.1rem;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
.scb-step h3{font-size:1rem;margin-bottom:8px;font-weight:700}
.scb-step p{font-size:.88rem;color:#666}

.scb-faq-list{max-width:760px;margin:0 auto}
.scb-faq-item{border-bottom:1px solid var(--alt);padding:0}
.scb-faq-q{width:100%;background:none;border:none;text-align:left;padding:20px 0;font-family:var(--hd);font-size:1.02rem;font-weight:600;color:var(--p);cursor:pointer;display:flex;justify-content:space-between;align-items:center}
.scb-faq-q::after{content:'+';font-size:1.3rem;color:var(--a);transition:transform .3s}
.scb-faq-q.scb-active::after{transform:rotate(45deg)}
.scb-faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease;padding:0 0 0 0}
.scb-faq-a p{padding:0 0 20px;font-size:.93rem;color:#555;line-height:1.7}

.scb-blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.scb-blog-card{background:var(--wh);border-radius:var(--rd);overflow:hidden;box-shadow:0 2px 16px rgba(0,0,0,.05);transition:transform .25s}
.scb-blog-card:hover{transform:translateY(-3px)}
.scb-blog-card img{width:100%;height:200px;object-fit:cover}
.scb-blog-body{padding:22px 20px}
.scb-blog-tag{display:inline-block;background:rgba(30,58,95,.08);color:var(--p);font-size:.72rem;font-weight:600;padding:4px 12px;border-radius:14px;margin-bottom:10px;text-transform:uppercase}
.scb-blog-card h3{font-size:1.02rem;font-weight:700;margin-bottom:8px;line-height:1.35}
.scb-blog-card p{font-size:.88rem;color:#666;margin-bottom:14px}
.scb-blog-link{font-size:.85rem;font-weight:600;color:var(--a)}

.scb-contact{background:var(--p);color:var(--wh);padding:70px 40px}
.scb-contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;max-width:1080px;margin:0 auto}
.scb-contact h2{color:var(--wh);margin-bottom:14px}
.scb-contact-sub{opacity:.8;margin-bottom:30px;font-size:.95rem}
.scb-form{display:flex;flex-direction:column;gap:14px}
.scb-form input,.scb-form textarea{padding:13px 16px;border:1px solid rgba(255,255,255,.2);border-radius:6px;background:rgba(255,255,255,.08);color:var(--wh);font-family:var(--bd);font-size:.92rem}
.scb-form input::placeholder,.scb-form textarea::placeholder{color:rgba(255,255,255,.5)}
.scb-form textarea{min-height:110px;resize:vertical}
.scb-form button{background:var(--a);color:var(--wh);border:none;padding:14px;border-radius:6px;font-family:var(--hd);font-weight:600;font-size:.95rem;cursor:pointer;transition:opacity .2s}
.scb-form button:hover{opacity:.88}
.scb-contact-info h3{color:var(--a);margin-bottom:16px;font-size:1.1rem}
.scb-contact-info p{margin-bottom:10px;opacity:.85;font-size:.92rem}

.scb-footer{background:#0f2238;color:rgba(255,255,255,.7);padding:50px 40px 0}
.scb-footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;max-width:1080px;margin:0 auto;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1)}
.scb-footer-brand{font-family:var(--hd);font-size:1.25rem;font-weight:700;color:var(--wh);margin-bottom:12px}
.scb-footer-brand span{color:var(--a)}
.scb-footer p{font-size:.85rem;line-height:1.7;margin-bottom:6px}
.scb-footer h4{font-family:var(--hd);color:var(--wh);font-size:.95rem;margin-bottom:14px}
.scb-footer-links a{display:block;font-size:.85rem;margin-bottom:8px;color:rgba(255,255,255,.6);transition:color .2s}
.scb-footer-links a:hover{color:var(--a)}
.scb-footer-bottom{text-align:center;padding:22px 0;font-size:.78rem;max-width:1080px;margin:0 auto}

.scb-article{max-width:820px;margin:0 auto;padding:0 20px 60px}
.scb-breadcrumb{padding:24px 0 12px;font-size:.85rem;color:#888}
.scb-breadcrumb a{color:var(--p);text-decoration:none}
.scb-breadcrumb a:hover{color:var(--a)}
.scb-article-img{margin:16px 0 28px;border-radius:10px;overflow:hidden}
.scb-article-img img{width:100%;height:auto;display:block}
.scb-article-title{font-family:var(--hd);font-weight:700;font-size:2.2rem;color:var(--p);margin-bottom:8px;line-height:1.2}
.scb-article-meta{font-size:.85rem;color:#888;margin-bottom:32px}
.scb-article-body p{margin-bottom:18px;font-size:.95rem;color:#444;line-height:1.75}
.scb-article-back{display:inline-block;margin-top:32px;font-family:var(--hd);font-weight:600;color:var(--p);text-decoration:none}
.scb-article-back:hover{color:var(--a)}
.scb-legal{max-width:820px;margin:0 auto;padding:40px 20px 60px}
.scb-legal .scb-article-title{text-align:center;margin-bottom:32px}
.scb-legal-section{margin-bottom:32px}
.scb-legal-section h2{font-family:var(--hd);font-weight:700;font-size:1.3rem;color:var(--p);margin-bottom:12px}
.scb-legal-section p{margin-bottom:10px;font-size:.92rem;color:#444;line-height:1.7}

@media(max-width:768px){
.scb-header{padding:0 20px}
.scb-nav{position:fixed;top:72px;left:0;width:100%;background:var(--wh);flex-direction:column;padding:20px;gap:16px;box-shadow:0 8px 20px rgba(0,0,0,.1);transform:translateY(-120%);transition:transform .3s;z-index:99}
.scb-nav.scb-open{transform:translateY(0)}
.scb-burger{display:flex}
.scb-hero{padding:60px 20px 50px}
.scb-hero h1{font-size:1.55rem}
.scb-section{padding:50px 20px}
.scb-about-grid,.scb-contact-grid{grid-template-columns:1fr}
.scb-cards-grid,.scb-blog-grid{grid-template-columns:1fr}
.scb-process-grid{grid-template-columns:1fr 1fr}
.scb-footer-grid{grid-template-columns:1fr}
}