:root{--ink:#1c2230;--sub:#5b6474;--line:#e6e1d8;--bg:#faf8f4;--card:#fff;--accent:#a9834a;--accent-d:#8a6a37;--navy:#18233b;--ok:#2f7d5b;--r:14px;--sh:0 6px 24px rgba(24,35,59,.08);--hh:68px}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:"Segoe UI","Be Vietnam Pro",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px}
img{max-width:100%;display:block}a{color:inherit;text-decoration:none}
h1,h2,h3{line-height:1.3;margin:0 0 .5em}h1{font-size:clamp(26px,4.2vw,40px)}h2{font-size:clamp(22px,3vw,30px)}h3{font-size:18px}
p{margin:0 0 1em}ul{margin:0 0 1em;padding-left:1.2em}
.wrap{width:min(1180px,100% - 32px);margin-inline:auto}
.sec{padding:56px 0}.sec.alt{background:#fff}
.eyebrow{color:var(--accent);font-weight:700;letter-spacing:.14em;font-size:12px;text-transform:uppercase;margin-bottom:8px}
.lead{color:var(--sub);max-width:720px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 22px;border-radius:999px;border:1px solid var(--navy);font-weight:600;cursor:pointer;background:transparent;color:var(--navy);font-size:15px}
.btn.fill{background:var(--navy);color:#fff}.btn.gold{background:var(--accent);border-color:var(--accent);color:#fff}
.btn:hover{filter:brightness(1.08)}
/* header */
.hd{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.hd .wrap{display:flex;align-items:center;justify-content:space-between;height:var(--hh)}
.logo{font-weight:800;letter-spacing:.18em;font-size:22px;color:var(--navy)}.logo small{display:block;font-weight:500;letter-spacing:.04em;font-size:11px;color:var(--sub)}
.nav{display:flex;gap:4px}.nav>li{list-style:none;position:relative}
.nav>li>a{display:block;padding:24px 9px;font-weight:600;font-size:13.5px;white-space:nowrap}
@media(max-width:1180px){.nav>li>a{padding:24px 6px;font-size:12.5px}}
.nav .dd{position:absolute;left:0;top:100%;min-width:260px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--sh);padding:8px;display:none}
.nav li:hover .dd,.nav li:focus-within .dd{display:block}
.nav .dd a{display:block;padding:9px 12px;border-radius:8px;font-size:14.5px}.nav .dd a:hover{background:var(--bg);color:var(--accent-d)}
.nav,.nav ul{margin:0;padding:0}
.burger{display:none;background:none;border:0;font-size:28px;padding:8px;cursor:pointer}
.drawer{position:fixed;inset:0;z-index:80;background:#fff;transform:translateX(100%);transition:.25s;overflow:auto;padding:16px 16px 100px}
.drawer.on{transform:none}.drawer .top{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.drawer details{border-bottom:1px solid var(--line)}.drawer summary{padding:14px 4px;font-weight:700;cursor:pointer;list-style:none}
.drawer summary::after{content:"+";float:right}.drawer details[open] summary::after{content:"–"}
.drawer details a{display:block;padding:9px 12px;color:var(--sub)}
@media(max-width:1060px){.nav{display:none}.burger{display:block}}
/* banner */
.bn{position:relative;overflow:hidden;background:var(--navy)}
.bn-track{display:flex;transition:transform .6s ease}
.bn-slide{min-width:100%;position:relative;aspect-ratio:21/8;min-height:300px;display:flex;align-items:center;color:#fff}
.bn-slide .bg{position:absolute;inset:0}.bn-slide .bg img{width:100%;height:100%;object-fit:cover;object-position:72% 30%}
.bn-slide::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(14,20,36,.82),rgba(14,20,36,.2))}
.bn-txt{position:relative;z-index:2;max-width:560px}.bn-txt .eyebrow{color:#e5c892}
.bn-txt p{opacity:.92}
.bn-dots{position:absolute;bottom:14px;left:0;right:0;z-index:3;display:flex;justify-content:center;gap:8px}
.bn-dots button{width:9px;height:9px;border-radius:50%;border:0;background:rgba(255,255,255,.5);padding:0;cursor:pointer}.bn-dots button.on{background:#fff;width:26px;border-radius:6px}
.bn-nav{position:absolute;top:50%;z-index:3;transform:translateY(-50%);background:rgba(255,255,255,.18);border:0;color:#fff;width:42px;height:42px;border-radius:50%;font-size:22px;cursor:pointer}.bn-nav.p{left:14px}.bn-nav.n{right:14px}
@media(max-width:700px){.bn-slide{aspect-ratio:auto;min-height:340px}.bn-nav{display:none}}
/* image slots */
.slot{position:relative;background:linear-gradient(135deg,#d9d2c4,#efe9dc);overflow:hidden}
.slot img{width:100%;height:100%;object-fit:cover}
.slot.miss img{visibility:hidden}.slot.miss::after{content:attr(data-label);position:absolute;inset:0;display:flex;align-items:center;justify-content:center;text-align:center;padding:10px;font-size:12px;color:#8b8472}
/* grids */
.grid{display:grid;gap:18px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px}
.card.link:hover{box-shadow:var(--sh);transform:translateY(-2px);transition:.2s}
.svc{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media(max-width:1000px){.svc{grid-template-columns:repeat(2,1fr)}}@media(max-width:560px){.svc{grid-template-columns:1fr}}
.svc .card h3{color:var(--navy);display:flex;justify-content:space-between}
.svc ul{list-style:none;padding:0;margin:8px 0 0}.svc li a{display:block;padding:5px 0;color:var(--sub);font-size:14.5px;border-bottom:1px dashed var(--line)}.svc li a:hover{color:var(--accent-d)}
.stat{text-align:center}.stat b{display:block;font-size:34px;color:var(--accent-d)}
/* quick consult */
.qc{background:var(--navy);color:#fff;padding:20px 0}.qc .wrap{display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.qc p{margin:0}.qc .btns{display:flex;gap:10px;flex-wrap:wrap}
/* page hero */
.ph{background:linear-gradient(120deg,var(--navy),#2c3a5a);color:#fff;padding:54px 0 46px}
.ph .eyebrow{color:#e5c892}.ph p{max-width:720px;opacity:.9;margin:0}
.crumb{font-size:13px;opacity:.75;margin-bottom:10px}
.subnav{background:#fff;border-bottom:1px solid var(--line);overflow-x:auto;white-space:nowrap}.subnav .wrap{display:flex;gap:6px;padding:10px 0}
.subnav a{padding:8px 14px;border-radius:999px;font-size:14px;color:var(--sub);border:1px solid transparent}.subnav a.on,.subnav a:hover{border-color:var(--accent);color:var(--accent-d)}
.prose{max-width:860px}.prose h2{margin-top:1.6em}.prose h3{margin-top:1.2em}
.info{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.info th,.info td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;font-size:15px}.info th{width:34%;background:#f6f2ea;color:var(--navy)}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;position:relative;padding:12px 14px 12px 54px;background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px}
.steps li::before{content:counter(s);position:absolute;left:14px;top:12px;width:28px;height:28px;border-radius:50%;background:var(--accent);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px}
.note{background:#fff7e8;border:1px solid #efd9a8;border-radius:12px;padding:14px 16px;font-size:14.5px;color:#6b5420}
.cta{background:linear-gradient(120deg,#f3ece0,#fff);border:1px solid var(--line);border-radius:var(--r);padding:26px;display:flex;justify-content:space-between;gap:16px;align-items:center;flex-wrap:wrap}
details.faq{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px}
details.faq summary{padding:15px 18px;font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:12px}
details.faq summary::after{content:"+";color:var(--accent-d);font-size:20px;line-height:1}details.faq[open] summary::after{content:"–"}
details.faq div{padding:0 18px 16px;color:var(--sub)}
.rel a{display:inline-block;margin:0 8px 8px 0;padding:8px 14px;border:1px solid var(--line);border-radius:999px;background:#fff;font-size:14px}
/* boards */
.board{list-style:none;padding:0;margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--r)}
.board li a{display:flex;justify-content:space-between;gap:12px;padding:16px 18px;border-bottom:1px solid var(--line)}.board li:last-child a{border:0}.board li a:hover{background:var(--bg)}
.board time{color:var(--sub);font-size:14px;white-space:nowrap}.tag{display:inline-block;font-size:12px;background:#f1ebdd;color:var(--accent-d);padding:2px 9px;border-radius:999px;margin-right:6px}
.filters{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:18px}.filters button{padding:8px 16px;border-radius:999px;border:1px solid var(--line);background:#fff;cursor:pointer;font-size:14px}.filters button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.ba{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.ba .pair{display:grid;grid-template-columns:1fr 1fr}.ba .slot{aspect-ratio:1/1;cursor:zoom-in}.ba .lab{position:absolute;left:8px;top:8px;background:rgba(24,35,59,.82);color:#fff;font-size:12px;padding:2px 9px;border-radius:999px;z-index:2}
.ba .cap{padding:12px 14px}.ba .cap b{display:block}.ba .cap span{color:var(--sub);font-size:14px}
.lb{position:fixed;inset:0;background:rgba(10,14,24,.9);z-index:120;display:none;align-items:center;justify-content:center;padding:20px}.lb.on{display:flex}.lb img{max-height:90vh;max-width:96vw;border-radius:10px}
.lb .x{position:absolute;right:16px;top:12px;color:#fff;font-size:34px;background:none;border:0;cursor:pointer}
.team{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px}.team .slot{aspect-ratio:4/5;border-radius:12px;margin-bottom:12px}
.team ul{font-size:14.5px;color:var(--sub)}
/* popup */
.pop{position:fixed;inset:0;z-index:110;background:rgba(10,14,24,.55);display:none;align-items:center;justify-content:center;padding:16px}.pop.on{display:flex}
.pop-box{background:#fff;border-radius:16px;max-width:460px;width:100%;overflow:hidden;box-shadow:0 20px 60px rgba(0,0,0,.35)}
.pop-slide{display:none}.pop-slide.on{display:block}.pop-slide .slot{aspect-ratio:4/3}.pop-body{padding:18px 20px}
.pop-ft{display:flex;justify-content:space-between;padding:12px 16px;border-top:1px solid var(--line);font-size:14px}.pop-ft button{background:none;border:0;cursor:pointer;color:var(--sub);font-size:14px}
/* float + footer */
.fab{position:fixed;right:16px;bottom:18px;z-index:60;display:flex;flex-direction:column;gap:10px}
.fab a{background:var(--accent);color:#fff;border-radius:999px;padding:13px 18px;font-weight:700;box-shadow:var(--sh);font-size:14.5px}
@media(max-width:700px){.fab{left:12px;right:12px;bottom:12px;flex-direction:row}.fab a{flex:1;text-align:center}body{padding-bottom:72px}}
.ft{background:#10192b;color:#b8c0d0;padding:44px 0 90px;font-size:14px}.ft a{color:#e5c892}.ft h4{color:#fff;margin:0 0 10px}
.ft .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}@media(max-width:760px){.ft .cols{grid-template-columns:1fr}}
.ft ul{list-style:none;padding:0;margin:0}.ft li{padding:3px 0}
.sns{display:flex;gap:10px;flex-wrap:wrap}.sns a{border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:6px 14px}

.pop-slide .slot.pop-img{aspect-ratio:680/900}.pop-imglink{display:block}.pop-imglink .slot img{width:100%;height:100%;object-fit:cover}

.pop-slide .slot.pop-img.pop-pc{display:none;aspect-ratio:1000/600}
@media(min-width:769px){.pop-slide .slot.pop-img.pop-m{display:none}.pop-slide .slot.pop-img.pop-pc{display:block}.pop-box:has(.pop-slide.on .pop-pc){max-width:780px}}

/* magazine */
.g3{grid-template-columns:repeat(3,1fr)}@media(max-width:900px){.g3{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.g3{grid-template-columns:1fr}}
.mag-tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}
.mag-tabs button{border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 18px;font-size:14px;font-weight:600;cursor:pointer;color:var(--ink)}
.mag-tabs button.on{background:var(--navy);border-color:var(--navy);color:#fff}
.mag-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh);transition:transform .15s}
.mag-card:hover{transform:translateY(-3px)}
.mag-card a{display:block;height:100%}
.mag-th{aspect-ratio:1200/630;background:#ece7db;overflow:hidden}
.mag-th img{width:100%;height:100%;object-fit:cover}
.mag-bd{padding:16px 18px 20px}
.mag-meta{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--sub);margin-bottom:8px}
.mag-bd h3{font-size:17px;margin:0 0 8px}
.mag-bd p{font-size:14.5px;color:var(--sub);margin:0 0 10px;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.mag-bd .more{color:var(--accent-d);font-weight:600;font-size:14px}
.mag-sum{background:#fff;border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:var(--r);padding:18px 22px;margin:0 0 1.4em}
.mag-sum b{display:block;margin-bottom:6px;color:var(--accent-d)}
.mag-sum ul{margin:0;padding-left:1.2em}.mag-sum li{margin:4px 0}
.prose .tbl{overflow-x:auto;margin:1em 0 1.4em}
.prose table{border-collapse:collapse;width:100%;background:#fff;font-size:15px}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:#f4efe4;color:var(--navy)}
.prose details.faq{background:#fff;border:1px solid var(--line);border-radius:12px;margin:0 0 10px;padding:0 16px}
.prose details.faq summary{cursor:pointer;font-weight:600;padding:14px 0;list-style:none}
.prose details.faq summary::-webkit-details-marker{display:none}
.prose details.faq summary::after{content:"+";float:right;color:var(--accent-d)}
.prose details.faq[open] summary::after{content:"–"}
.prose details.faq p{margin:0 0 14px;color:var(--sub)}
.mag-note{font-size:13.5px;color:var(--sub);border-top:1px solid var(--line);margin-top:2em;padding-top:1em}
.mag-note p{margin:0 0 .5em}.mag-note p:first-child{font-weight:600;color:var(--ink)}
.cta{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;background:var(--navy);color:#fff;border-radius:var(--r);padding:22px 26px;margin:1.6em 0 0}
.cta h3{color:#fff;margin:0 0 4px}.cta p{margin:0;opacity:.85}
.mag-more-h{margin-top:48px}
.mag-nav{margin:22px 0 6px;font-weight:600;color:var(--accent-d)}