:root{--brand:#1a6bd4;--dark:#0b0f19;--bg:#f0f4f8;--border:#e2e8f0;--muted:#64748b;--amber:#f59e0b;--red:#ef4444}*{box-sizing:border-box;margin:0;padding:0}body{background:var(--bg);color:#1e293b;-webkit-font-smoothing:antialiased;font-family:DM Sans,sans-serif}nav{background:var(--dark);justify-content:space-between;align-items:center;padding:14px 5%;display:flex}.nav-back{color:#94a3b8;align-items:center;gap:8px;font-size:.88rem;font-weight:600;text-decoration:none;display:flex}.nav-back:hover{color:#fff}.hero{background:linear-gradient(135deg, var(--dark) 0%, #1a2744 100%);text-align:center;color:#fff;padding:64px 5% 80px}.hero-badge{color:#93c5fd;letter-spacing:1px;text-transform:uppercase;background:#1a6bd433;border:1px solid #1a6bd466;border-radius:50px;align-items:center;gap:8px;margin-bottom:20px;padding:8px 20px;font-size:.78rem;font-weight:800;display:inline-flex}.hero h1{letter-spacing:-1px;margin-bottom:14px;font-size:2.6rem;font-weight:800}.hero p{color:#94a3b8;max-width:600px;margin:0 auto;font-size:1.05rem;line-height:1.65}.guarantees{z-index:10;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:20px;max-width:1100px;margin:-40px auto 60px;padding:0 5%;display:grid;position:relative}.g-card{border:1px solid var(--border);text-align:center;background:#fff;border-radius:16px;padding:26px;box-shadow:0 4px 16px #0000000d}.g-icon{border-radius:14px;justify-content:center;align-items:center;width:52px;height:52px;margin:0 auto 14px;font-size:1.3rem;display:flex}.gi-green{color:var(--brand);background:#eff6ff}.gi-amber{color:var(--amber);background:#fffbeb}.gi-blue{color:#3b82f6;background:#eff6ff}.gi-red{color:var(--red);background:#fef2f2}.g-title{color:var(--dark);margin-bottom:4px;font-size:1.5rem;font-weight:900}.g-label{text-transform:uppercase;letter-spacing:.5px;color:var(--muted);margin-bottom:10px;font-size:.72rem;font-weight:700}.g-desc{color:#475569;font-size:.85rem;line-height:1.5}.policy-wrap{max-width:860px;margin:0 auto;padding:0 5% 80px}.policy-section{border:1px solid var(--border);background:#fff;border-radius:16px;margin-bottom:20px;overflow:hidden}.ps-header{border-bottom:1px solid var(--border);background:#f8fafc;align-items:center;gap:12px;padding:20px 26px;display:flex}.ps-header i{color:var(--brand);font-size:1.1rem}.ps-header h3{color:var(--dark);font-size:1rem;font-weight:800}.ps-body{padding:22px 26px}.ps-body p{color:#475569;margin-bottom:14px;font-size:.9rem;line-height:1.7}.ps-body p:last-child{margin-bottom:0}.timeline{flex-direction:column;gap:0;display:flex}.tl-item{border-left:2px solid var(--border);gap:16px;margin-left:10px;padding:14px 0 14px 20px;display:flex;position:relative}.tl-item:before{content:"";background:var(--brand);border-radius:50%;width:10px;height:10px;position:absolute;top:18px;left:-6px}.tl-day{text-transform:uppercase;letter-spacing:.5px;color:var(--brand);white-space:nowrap;background:#eff6ff;border:1px solid #bfdbfe;border-radius:50px;align-self:flex-start;margin-top:2px;padding:3px 10px;font-size:.72rem;font-weight:800}.tl-body{flex:1}.tl-title{color:var(--dark);margin-bottom:3px;font-size:.9rem;font-weight:700}.tl-desc{color:var(--muted);font-size:.82rem;line-height:1.5}.split-table{border-collapse:collapse;width:100%}.split-table th{text-align:left;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);border-bottom:1px solid var(--border);background:#f8fafc;padding:10px 14px;font-size:.72rem;font-weight:800}.split-table td{color:#334155;border-bottom:1px solid #f8fafc;padding:13px 14px;font-size:.88rem}.split-table tr:last-child td{border-bottom:none}.highlight-note{color:#166534;background:#eff6ff;border:1px solid #bfdbfe;border-radius:10px;align-items:flex-start;gap:10px;padding:14px 18px;font-size:.85rem;font-weight:600;line-height:1.5;display:flex}@media (max-width:768px){.hero h1{font-size:1.9rem}.guarantees{margin-top:-30px}}