:root{--accent:#f59e0b;--accent-light:#fef3c7;--accent-dark:#b45309;--accent-text:#78350f;--text:#1e293b;--text-mid:#475569;--text-light:#64748b;--bg:#ffffff;--bg-page:#f8fafc;--bg-alt:#f1f5f9;--border:#e2e8f0;--border-light:#f1f5f9;--radius:12px;--radius-sm:8px;--shadow-sm:0 1px 3px rgba(0,0,0,.06),0 1px 2px rgba(0,0,0,.04);--shadow-md:0 4px 16px rgba(0,0,0,.06),0 2px 4px rgba(0,0,0,.04);--shadow-lg:0 8px 30px rgba(0,0,0,.08);--focus-ring:0 0 0 3px rgba(245,158,11,.45);--transition:.2s ease;--content-max:820px}
    *,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;scroll-padding-top:24px}
    body{background:var(--bg-page);color:var(--text);font-family:system-ui,-apple-system,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;font-size:clamp(15px,1vw+12px,17px);line-height:1.75;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;text-rendering:optimizeLegibility}
    .skip-link{position:absolute;top:-100%;left:16px;z-index:9999;padding:12px 24px;background:var(--text);color:#fff;border-radius:var(--radius-sm);font-weight:600;font-size:.9rem;text-decoration:none;transition:top var(--transition)}.skip-link:focus{top:16px}
    .progress-bar{position:fixed;top:0;left:0;width:0%;height:3px;background:linear-gradient(90deg,var(--accent),var(--accent-dark));z-index:1000;transition:width 60ms linear;border-radius:0 2px 2px 0}

    .kt-main{max-width:var(--content-max);margin:0 auto;padding:40px clamp(16px,4vw,48px) 64px}

    .kt-hero{text-align:center;margin-bottom:48px;padding-bottom:32px;border-bottom:2px solid var(--accent)}
    .kt-hero h1{font-size:clamp(1.6rem,2.8vw+.5rem,2.2rem);font-weight:800;color:var(--text);letter-spacing:-.025em;line-height:1.25;margin-bottom:8px}
    .kt-hero .company{font-size:1rem;font-weight:600;color:var(--accent-dark);margin-bottom:4px}
    .kt-hero .subtitle{font-size:.9rem;color:var(--text-light);max-width:520px;margin:0 auto}

    .group-divider{display:flex;align-items:center;gap:12px;margin:40px 0 24px;padding:0 4px}
    .group-divider::before,.group-divider::after{content:'';flex:1;height:1px;background:var(--border)}
    .group-divider-label{font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--text-light);white-space:nowrap}

    .kt-card{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);margin-bottom:24px;overflow:hidden;transition:box-shadow var(--transition);scroll-margin-top:20px}
    .kt-card:hover{box-shadow:var(--shadow-sm)}.kt-card:target{box-shadow:0 0 0 2px var(--accent)}
    .kt-card--highlight{border-left:3px solid var(--accent)}.kt-card--highlight .kt-card-header{background:linear-gradient(135deg,var(--accent-light) 0%,var(--bg) 70%)}
    .kt-card-header{display:flex;align-items:center;gap:12px;padding:18px 24px 14px;border-bottom:1px solid var(--border-light);background:var(--bg)}
    .badge{display:inline-flex;align-items:center;justify-content:center;min-width:38px;height:32px;padding:0 10px;border-radius:var(--radius-sm);background:var(--accent-light);color:var(--accent-text);font-size:.78rem;font-weight:800;flex-shrink:0;border:1px solid rgba(245,158,11,.25)}
    .badge--icon{font-size:1.1rem;padding:0 8px}
    .kt-card-header h2{font-size:clamp(1rem,1.5vw+.4rem,1.15rem);font-weight:700;color:var(--text);margin:0;line-height:1.35}
    .anchor-link{display:inline-block;margin-left:6px;font-size:.8em;color:var(--text-light);text-decoration:none;opacity:0;transition:opacity var(--transition);vertical-align:middle}
    .kt-card:hover .anchor-link,.anchor-link:focus{opacity:1}
    .kt-card-body{padding:20px 24px 24px}.kt-card-body p{margin-bottom:16px;color:var(--text-mid)}

    .info-row{display:flex;gap:12px;padding:12px 0;border-bottom:1px solid var(--border-light)}.info-row:last-of-type{border-bottom:none}
    .info-label{flex:0 0 140px;font-weight:700;font-size:.88rem;color:var(--text)}.info-value{flex:1;font-size:.9rem;color:var(--text-mid);line-height:1.6}
    .info-value a{color:var(--accent-dark);text-decoration:none}.info-value a:hover{text-decoration:underline}

    .hint-box{display:flex;align-items:flex-start;gap:12px;padding:16px 20px;background:var(--accent-light);border:1px solid rgba(245,158,11,.25);border-radius:var(--radius-sm);margin-top:20px;font-size:.88rem;color:var(--accent-text);line-height:1.6}
    .hint-icon{font-size:1.2rem;flex-shrink:0;margin-top:1px}

    /* Quick-Links Grid */
    .quicklinks{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:16px;margin:24px 0 8px}
    .quicklink{display:flex;align-items:flex-start;gap:14px;padding:20px;background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);text-decoration:none;color:var(--text);transition:all var(--transition)}
    .quicklink:hover{border-color:var(--accent);box-shadow:var(--shadow-md);transform:translateY(-2px)}
    .quicklink:focus-visible{outline:none;box-shadow:var(--focus-ring)}
    .quicklink-icon{font-size:1.5rem;flex-shrink:0;margin-top:2px}
    .quicklink-text{flex:1}
    .quicklink-title{display:block;font-weight:700;font-size:.95rem;margin-bottom:4px;color:var(--text)}
    .quicklink-desc{font-size:.82rem;color:var(--text-mid);line-height:1.5}

    /* Trust Grid */
    .trust-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:12px;margin:16px 0}
    .trust-item{text-align:center;padding:20px 16px;background:var(--bg-alt);border-radius:var(--radius-sm);border:1px solid var(--border-light)}
    .trust-icon{font-size:1.6rem;margin-bottom:8px}
    .trust-label{font-weight:700;font-size:.88rem;color:var(--text);display:block;margin-bottom:4px}
    .trust-desc{font-size:.78rem;color:var(--text-mid);line-height:1.5}

    .kt-footer{text-align:center;padding:32px 24px;margin-top:48px;border-top:1px solid var(--border);font-size:.82rem;color:var(--text-light);line-height:1.7}
    .kt-footer .company-name{font-weight:700;color:var(--text);margin-bottom:4px}.kt-footer a{color:var(--accent-dark);text-decoration:none}.kt-footer a:hover{text-decoration:underline}

    .back-to-top{position:fixed;bottom:24px;right:20px;z-index:100;width:44px;height:44px;border-radius:50%;border:none;background:var(--text);color:#fff;cursor:pointer;box-shadow:var(--shadow-md);opacity:0;visibility:hidden;transform:translateY(12px);transition:opacity var(--transition),visibility var(--transition),transform var(--transition),background var(--transition);display:flex;align-items:center;justify-content:center}
    .back-to-top.visible{opacity:1;visibility:visible;transform:translateY(0)}.back-to-top:hover{background:var(--text-mid)}.back-to-top:focus-visible{outline:none;box-shadow:var(--focus-ring)}.back-to-top svg{width:18px;height:18px;fill:currentColor}

    a:focus-visible,button:focus-visible{outline:none;box-shadow:var(--focus-ring);border-radius:var(--radius-sm)}
    @media print{.back-to-top,.progress-bar,.skip-link{display:none!important}.kt-card{break-inside:avoid;box-shadow:none;border:1px solid #ccc}body{font-size:11pt}}
    @media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}
    @media(max-width:640px){.kt-main{padding:24px 16px 48px}.kt-card-header{padding:14px 16px 12px}.kt-card-body{padding:16px}.kt-hero h1{font-size:1.4rem}.info-row{flex-direction:column;gap:4px}.info-label{flex:none}.quicklinks{grid-template-columns:1fr}.trust-grid{grid-template-columns:repeat(2,1fr)}}
    @media(max-width:380px){.kt-hero h1{font-size:1.2rem}.hint-box{flex-direction:column;gap:8px}.trust-grid{grid-template-columns:1fr}}