:root{
      --theme:#0B3D91;
      --ink:#152238;
      --muted:#64748b;
      --line:#dbe4f0;
      --soft:#f4f7fb;
      --accent:#16a085;
      --white:#fff;
      --shadow:0 16px 45px rgba(15,35,70,.10);
      --radius:18px;
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;background:#fff;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.6}
    a{color:inherit;text-decoration:none}
    img{max-width:100%;display:block}
    .container{width:min(1180px,calc(100% - 40px));margin:0 auto}
    .topbar{background:#10233f;color:#dce8f7;font-size:13px}
    .topbar .container{min-height:36px;display:flex;align-items:center;justify-content:space-between;gap:20px}
    .topbar-links{display:flex;gap:22px}
    .topbar a:hover{color:#fff}
    .header{position:relative;z-index:20;background:#fff;border-bottom:1px solid var(--line)}
    .header-inner{height:78px;display:flex;align-items:center;gap:28px}
    .logo{display:flex;align-items:center;gap:10px;min-width:max-content;font-size:19px;font-weight:800;color:var(--theme)}
    .logo img{width:34px;height:34px;object-fit:contain}
    .main-nav{flex:1}
    .nav-list{display:flex;align-items:center;justify-content:center;gap:4px;list-style:none;padding:0;margin:0}
    .nav-item{position:relative}
    .nav-link{display:flex;align-items:center;gap:6px;padding:28px 12px;font-size:14px;font-weight:700;color:#30425d;white-space:nowrap}
    .nav-link:hover,.nav-item:focus-within>.nav-link{color:var(--theme)}
    .has-arrow:after{content:"⌄";font-size:13px;color:#8da0b8}
    .dropdown-panel,.mega-menu{position:absolute;top:calc(100% - 1px);left:50%;transform:translateX(-50%) translateY(8px);width:300px;padding:20px;background:#fff;border:1px solid var(--line);border-radius:0 0 16px 16px;box-shadow:var(--shadow);opacity:0;visibility:hidden;pointer-events:none;transition:.2s ease}
    .mega-menu{width:670px}
    .nav-item:hover>.dropdown-panel,.nav-item:focus-within>.dropdown-panel,.nav-item:hover>.mega-menu,.nav-item:focus-within>.mega-menu{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0)}
    .dropdown-panel:before,.mega-menu:before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}
    .panel-title{margin:0 0 14px;color:var(--theme);font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
    .panel-list{display:grid;gap:9px}
    .panel-list a{font-size:14px;font-weight:650;padding-bottom:8px;border-bottom:1px solid var(--line)}
    .panel-list a:hover,.mega-card:hover strong{color:var(--theme)}
    .mega-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
    .mega-card{min-width:0;border:1px solid var(--line);padding:11px;border-radius:12px;background:#fbfdff}
    .mega-card img{width:42px;height:42px;object-fit:contain;border-radius:8px;margin-bottom:8px}
    .mega-card strong{display:block;font-size:13px;line-height:1.35}
    .mega-card small{display:block;margin-top:5px;color:var(--muted);font-size:11px;line-height:1.45}
    .mega-footer{display:block;margin-top:16px;color:var(--theme);font-size:13px;font-weight:800}
    .header-btns{display:flex;align-items:center;gap:9px;min-width:max-content}
    .member-btn,.account-btn{padding:9px 13px;border-radius:9px;font-size:13px;font-weight:800}
    .member-btn{color:var(--theme);border:1px solid #b9cbea}
    .account-btn{background:var(--theme);color:#fff}
    .hamburger{display:none;width:42px;height:40px;border:1px solid var(--line);border-radius:9px;background:#fff;cursor:pointer;padding:9px}
    .hamburger span{display:block;height:2px;background:var(--theme);margin:5px 0;transition:.2s}
    .hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
    .hamburger.active span:nth-child(2){opacity:0}
    .hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
    .drawer-overlay{position:fixed;inset:0;background:rgba(9,24,47,.48);opacity:0;visibility:hidden;z-index:40;transition:.25s}
    .drawer-overlay.open{opacity:1;visibility:visible}
    .mobile-drawer{position:fixed;top:0;right:0;width:min(390px,88vw);height:100vh;background:#fff;z-index:50;transform:translateX(100%);transition:.3s ease;overflow:auto}
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{display:flex;align-items:center;gap:14px;padding:20px;border-bottom:1px solid var(--line);font-weight:800;color:var(--theme)}
    .drawer-head>a{margin-left:auto;color:var(--theme);font-size:13px}
    .drawer-close{border:0;background:none;font-size:28px;color:var(--ink);cursor:pointer}
    .drawer-menu{padding:12px 20px 30px}
    .drawer-link,.drawer-toggle{display:block;width:100%;padding:14px 0;border:0;border-bottom:1px solid var(--line);background:none;text-align:left;color:var(--ink);font:inherit;font-size:15px;font-weight:750;cursor:pointer}
    .drawer-toggle:after{content:"+";float:right;color:var(--theme)}
    .drawer-toggle.active:after{content:"−"}
    .drawer-submenu{display:none;padding:4px 0 7px 14px}
    .drawer-submenu.open{display:grid}
    .drawer-submenu a{padding:8px 0;color:var(--muted);font-size:14px}
    .footer{margin-top:70px;background:#10233f;color:#dce8f7}
    .footer-main{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:35px;padding:54px 0 42px}
    .footer-brand strong{font-size:21px;color:#fff}
    .footer p{margin:12px 0;color:#aebfd5;font-size:13px}
    .footer h3{margin:0 0 14px;color:#fff;font-size:14px}
    .footer-links{display:grid;gap:8px}
    .footer-links a{color:#b9c9dc;font-size:13px}
    .footer-links a:hover{color:#fff}
    .footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid rgba(255,255,255,.13);padding:18px 0;color:#9fb1c9;font-size:12px}
    .download-page-main{background:linear-gradient(180deg,#f5f8fc 0,#fff 390px);padding:74px 0 10px}
    .download-hero{text-align:center;max-width:760px;margin:0 auto 44px}
    .eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 12px;border-radius:30px;background:#e6eefb;color:var(--theme);font-size:12px;font-weight:850;letter-spacing:.08em;text-transform:uppercase}
    .eyebrow:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--accent)}
    .download-hero h1{margin:17px 0 12px;font-size:clamp(34px,5vw,58px);line-height:1.08;letter-spacing:-.045em;color:#102b55}
    .download-hero p{margin:0;color:var(--muted);font-size:17px}
    .download-actions{display:flex;justify-content:center;flex-wrap:wrap;gap:12px;margin-top:25px}
    .primary-action,.secondary-action{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 20px;border-radius:10px;font-size:14px;font-weight:800}
    .primary-action{background:var(--theme);color:#fff;box-shadow:0 9px 20px rgba(11,61,145,.2)}
    .secondary-action{border:1px solid #b9cbea;background:#fff;color:var(--theme)}
    .download-panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:30px}
    .download-panel h2{margin:0 0 7px;font-size:25px;color:#102b55}
    .section-lead{margin:0 0 25px;color:var(--muted)}
    .download-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
    .step-card{position:relative;padding:22px;border:1px solid var(--line);border-radius:14px;background:#fbfdff}
    .step-number{display:grid;place-items:center;width:35px;height:35px;border-radius:50%;background:var(--theme);color:#fff;font-weight:850;font-size:14px}
    .step-card h3{margin:16px 0 6px;font-size:17px}
    .step-card p{margin:0;color:var(--muted);font-size:14px}
    .platform-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:28px}
    .platform-card{display:flex;align-items:center;gap:15px;padding:18px;border:1px solid var(--line);border-radius:14px}
    .platform-icon{display:grid;place-items:center;width:48px;height:48px;border-radius:12px;background:#e8f0fc;color:var(--theme);font-size:20px;font-weight:900}
    .platform-card h3{margin:0;font-size:16px}
    .platform-card p{margin:3px 0 0;color:var(--muted);font-size:12px}
    .platform-card a{display:inline-block;margin-top:7px;color:var(--theme);font-size:12px;font-weight:850}
    .faq-section{margin-top:30px}
    .faq-section h2{margin:0 0 16px;font-size:25px;color:#102b55}
    .faq-list{display:grid;grid-template-columns:repeat(2,1fr);gap:13px}
    .faq-item{padding:19px;border:1px solid var(--line);border-radius:13px;background:#fff}
    .faq-item h3{margin:0 0 7px;font-size:15px}
    .faq-item p{margin:0;color:var(--muted);font-size:13px}
    .risk-note{margin-top:24px;padding:16px 18px;border-left:4px solid #e4a11b;background:#fff8e7;color:#70531b;font-size:13px;border-radius:8px}
    @media(max-width:1050px){
      .main-nav{display:none}
      .hamburger{display:block}
      .footer-main{grid-template-columns:repeat(2,1fr)}
    }
    @media(max-width:700px){
      .container{width:min(100% - 28px,600px)}
      .topbar .container{padding:8px 0;align-items:flex-start;flex-direction:column;gap:2px}
      .topbar-links{gap:12px;flex-wrap:wrap}
      .header-inner{height:68px;gap:10px}
      .member-btn{display:none}
      .account-btn{padding:8px 10px;font-size:12px}
      .download-page-main{padding-top:48px}
      .download-hero h1{font-size:38px}
      .download-hero p{font-size:15px}
      .download-panel{padding:20px 16px}
      .download-steps,.platform-grid,.faq-list{grid-template-columns:1fr}
      .footer-main{grid-template-columns:1fr;gap:24px;padding:38px 0 28px}
      .footer-bottom{display:grid;gap:8px}
      .mega-grid{grid-template-columns:1fr}
    }