*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  body { font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif; color:#1a1a2e; line-height:1.7; background:#fff; }
  .ftc-banner { background:#f8f9fc; border-bottom:1px solid #e2e4eb; padding:8px 24px; text-align:center; font-size:12px; color:#7a7a96; }
  .header { background:#1a1a2e; padding:0 24px; position:sticky; top:0; z-index:100; box-shadow:0 2px 16px rgba(0,0,0,0.15); }
  .header-inner { max-width:1120px; margin:0 auto; display:flex; align-items:center; justify-content:space-between; height:68px; }
  .logo { display:flex; align-items:center; gap:10px; text-decoration:none; color:#fff; font-weight:800; font-size:22px; letter-spacing:-0.02em; }
  .logo span { color:#4d8aff; }
  .nav-links { display:flex; gap:8px; list-style:none; }
  .nav-links a { color:rgba(255,255,255,0.75); text-decoration:none; font-size:14px; font-weight:500; padding:8px 16px; border-radius:6px; }
  .nav-links a:hover { color:#fff; background:rgba(255,255,255,0.08); }
  .hero { background:linear-gradient(170deg,#1a1a2e 0%,#16213e 50%,#0f3460 100%); padding:56px 24px 60px; text-align:center; color:#fff; }
  .hero h1 { font-size:2.4rem; max-width:820px; margin:10px auto 14px; line-height:1.2; }
  .hero p.sub { max-width:720px; margin:0 auto; font-size:1.05rem; color:#cdd5e0; }
  .hero-badge { display:inline-block; background:rgba(21,93,252,0.2); color:#7eb3ff; padding:6px 14px; border-radius:20px; font-size:12px; font-weight:700; letter-spacing:0.5px; text-transform:uppercase; }
  .hero-meta { margin-top:16px; font-size:13px; color:#9aa5b5; }
  .content-wrap { max-width:820px; margin:0 auto; padding:40px 24px 60px; }
  .breadcrumb { font-size:13px; color:#7a7a96; margin-bottom:18px; }
  .breadcrumb a { color:#155DFC; text-decoration:none; }
  .disclosure-box { background:#fef3c7; border:1px solid #fde68a; border-radius:8px; padding:14px 18px; font-size:13px; color:#92400e; margin-bottom:24px; }
  .quick-answer { background:linear-gradient(135deg,#e8efff,#f0f4ff); border:1px solid #c5d5ff; border-radius:10px; padding:22px 26px; margin:24px 0; }
  .quick-answer .qa-label { font-weight:700; font-size:14px; color:#155DFC; margin:0 0 8px; text-transform:uppercase; letter-spacing:0.5px; }
  .quick-answer p { font-size:16px; line-height:1.65; margin:0 0 12px; }
  h2 { font-size:1.7rem; margin:40px 0 14px; color:#1a1a2e; }
  h3 { font-size:1.25rem; margin:28px 0 10px; color:#1a1a2e; }
  p { margin-bottom:14px; color:#31324a; }
  table { width:100%; border-collapse:collapse; margin:20px 0; font-size:14px; box-shadow:0 2px 8px rgba(0,0,0,0.06); border-radius:8px; overflow:hidden; }
  th { background:#155DFC; color:#fff; text-align:left; padding:12px 14px; font-weight:700; }
  td { padding:12px 14px; border-bottom:1px solid #e2e4eb; }
  tr:nth-child(even) td { background:#f8f9fc; }
  .cta-box { background:linear-gradient(135deg,#155DFC,#0f3460); color:#fff; padding:28px 32px; border-radius:12px; text-align:center; margin:32px 0; }
  .cta-box h3 { color:#fff; margin:0 0 10px; }
  .cta-box p { color:rgba(255,255,255,0.9); margin:0 0 16px; }
  .cta-button { display:inline-block; background:#fff; color:#155DFC; font-weight:700; padding:12px 28px; border-radius:8px; text-decoration:none; font-size:15px; }
  .cta-button:hover { background:#f0f0f0; }
  .internal-links { background:#f8f9fc; border-left:3px solid #155DFC; padding:18px 22px; margin:28px 0; border-radius:6px; }
  .internal-links ul { margin:8px 0 0 20px; }
  .internal-links a { color:#155DFC; }
  .faq-item { border-bottom:1px solid #e2e4eb; padding:16px 0; }
  .faq-item h3 { margin:0 0 8px; font-size:1.1rem; }
  .faq-answer { color:#4a4a68; }
  footer { background:#1a1a2e; color:#9aa5b5; padding:32px 24px; text-align:center; font-size:13px; margin-top:40px; }
  footer a { color:#cdd5e0; margin:0 10px; text-decoration:none; }