:root {
  --topic-primary: #0b63f6;
  --topic-primary-dark: #0747b6;
  --topic-primary-soft: #eaf3ff;
  --topic-cyan: #12a6d8;
  --topic-ink: #132238;
  --topic-muted: #5e6c7f;
  --topic-line: #e3eaf3;
  --topic-bg: #f6f9fd;
  --topic-card: #ffffff;
  --topic-success: #0f9f6e;
  --topic-warn: #d97706;
  --topic-radius: 18px;
  --topic-shadow: 0 18px 50px rgba(21, 69, 124, .09);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--topic-ink);
  background: #fff;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", "PingFang SC", "Microsoft YaHei", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.78;
}
a { color: var(--topic-primary); text-decoration: none; }
a:hover { color: var(--topic-primary-dark); }
img { max-width: 100%; }
.topic-container { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }

.site-top { background: #f5f8fc; color: #617087; font-size: 13px; }
.site-top .topic-container { min-height: 38px; display: flex; align-items: center; justify-content: space-between; }
.site-head { background: #fff; border-bottom: 1px solid #edf1f7; }
.site-head .topic-container { min-height: 100px; display: flex; align-items: center; gap: 34px; }
.site-logo img { display: block; width: 236px; height: auto; }
.site-logo-new { display: flex; align-items: center; width: 250px; height: 74px; overflow: hidden; }
.site-logo-new img { width: 250px; height: auto; }
.site-slogan { padding-left: 28px; border-left: 1px solid #d7dee8; color: #657187; line-height: 1.6; }
.site-slogan strong { display: block; color: #17263d; font-size: 18px; }
.site-slogan strong span { color: var(--topic-primary); }
.site-phone { margin-left: auto; text-align: right; color: #6b7788; font-size: 13px; }
.site-phone a { display: block; color: #ef3d32; font-size: 24px; font-weight: 800; letter-spacing: .5px; }
.site-nav { background: linear-gradient(90deg, #0757d8, #0b72ef); box-shadow: 0 8px 24px rgba(7, 84, 199, .18); }
.site-nav ul { list-style: none; margin: 0; padding: 0; display: flex; justify-content: center; }
.site-nav a { display: block; padding: 17px 42px; color: #fff; font-weight: 600; }
.site-nav a:hover { background: rgba(255,255,255,.12); color: #fff; }

.topic-preview-badge { background: #102f58; color: #fff; text-align: center; font-size: 13px; letter-spacing: .06em; padding: 7px 16px; }
.topic-breadcrumb { padding: 18px 0; color: #778398; font-size: 14px; }
.topic-breadcrumb a { color: #51637c; }

.topic-hero {
  position: relative;
  overflow: hidden;
  padding: 72px 0 66px;
  background:
    radial-gradient(circle at 88% 15%, rgba(18,166,216,.16), transparent 26%),
    radial-gradient(circle at 72% 90%, rgba(11,99,246,.13), transparent 34%),
    linear-gradient(135deg, #f9fcff 0%, #eff6ff 54%, #f8fbff 100%);
  border-bottom: 1px solid #e7effa;
}
.topic-hero::after {
  content: ""; position: absolute; right: -90px; top: -120px; width: 420px; height: 420px;
  border: 70px solid rgba(11,99,246,.045); border-radius: 50%; pointer-events: none;
}
.topic-hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.45fr) minmax(320px, .75fr); gap: 62px; align-items: center; }
.topic-eyebrow { display: inline-flex; align-items: center; gap: 8px; margin-bottom: 14px; color: var(--topic-primary); font-size: 14px; font-weight: 750; letter-spacing: .08em; }
.topic-eyebrow::before { content: ""; width: 28px; height: 3px; border-radius: 3px; background: linear-gradient(90deg, var(--topic-primary), var(--topic-cyan)); }
.topic-hero h1 { margin: 0 0 20px; color: #10233e; font-size: clamp(38px, 4.2vw, 58px); line-height: 1.14; letter-spacing: -.03em; }
.topic-lead { margin: 0; color: #53657d; font-size: 18px; line-height: 1.9; }
.topic-hero-actions { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 30px; }
.topic-btn { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 0 25px; border-radius: 10px; font-weight: 700; transition: transform .2s ease, box-shadow .2s ease; }
.topic-btn:hover { transform: translateY(-1px); }
.topic-btn-primary { color: #fff; background: linear-gradient(135deg, var(--topic-primary), #1388ed); box-shadow: 0 12px 28px rgba(11,99,246,.23); }
.topic-btn-primary:hover { color: #fff; box-shadow: 0 15px 34px rgba(11,99,246,.3); }
.topic-btn-light { color: #24415f; background: rgba(255,255,255,.82); border: 1px solid #d8e4f2; }
.topic-quick { display: grid; gap: 12px; }
.topic-quick-item { display: grid; grid-template-columns: 44px 1fr; gap: 14px; align-items: center; padding: 18px; background: rgba(255,255,255,.88); border: 1px solid rgba(211,226,245,.95); border-radius: 15px; box-shadow: 0 12px 32px rgba(33,85,143,.08); backdrop-filter: blur(8px); }
.topic-quick-icon { display: grid; place-items: center; width: 44px; height: 44px; color: var(--topic-primary); background: var(--topic-primary-soft); border-radius: 12px; font-weight: 800; }
.topic-quick-item strong { display: block; color: #18314f; font-size: 16px; }
.topic-quick-item span { display: block; margin-top: 2px; color: #718096; font-size: 13px; line-height: 1.55; }

.topic-main { background: #fff; }
.topic-section { padding: 74px 0; }
.topic-section:nth-child(even) { background: var(--topic-bg); }
.topic-section-head { max-width: 800px; margin: 0 auto 34px; text-align: center; }
.topic-section-head .topic-kicker { display: block; margin-bottom: 8px; color: var(--topic-primary); font-size: 13px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.topic-section h2 { margin: 0; color: #132944; font-size: clamp(28px, 3vw, 38px); line-height: 1.3; letter-spacing: -.02em; }
.topic-section-head p { margin: 14px auto 0; color: var(--topic-muted); font-size: 16px; }
.topic-subsection-head { max-width: 760px; margin: 42px auto 24px; text-align: center; }
.topic-subsection-head h3 { margin: 0; color: #173858; font-size: 24px; line-height: 1.35; }
.topic-subsection-head p { margin: 10px 0 0; color: var(--topic-muted); }
.topic-prose { max-width: 900px; margin: 0 auto; color: #465a72; }
.topic-prose p { margin: 0 0 18px; }
.topic-prose strong { color: #173354; }

.topic-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.topic-grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.topic-grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.topic-card { padding: 27px; background: var(--topic-card); border: 1px solid var(--topic-line); border-radius: var(--topic-radius); box-shadow: 0 10px 34px rgba(35,70,110,.055); }
.topic-card h3 { margin: 0 0 11px; color: #183451; font-size: 20px; line-height: 1.45; }
.topic-card p { margin: 0; color: #607086; font-size: 15px; }
.topic-card .topic-number { display: inline-grid; place-items: center; min-width: 40px; height: 40px; margin-bottom: 16px; padding: 0 10px; color: #fff; background: linear-gradient(135deg, var(--topic-primary), var(--topic-cyan)); border-radius: 12px; font-weight: 800; }
.topic-card-accent { border-color: #cfe0fb; background: linear-gradient(160deg, #fff 35%, #f2f7ff 100%); }
.topic-card-label { display: inline-flex; margin-bottom: 13px; padding: 5px 10px; color: #0c5ecb; background: #eaf3ff; border-radius: 7px; font-size: 12px; font-weight: 800; letter-spacing: .04em; }
.topic-text-link { display: inline-flex; margin-top: 17px; font-weight: 750; }
.topic-service-grid .topic-card, .topic-feature-split .topic-card { display: flex; flex-direction: column; height: 100%; }
.topic-service-grid .topic-card > .topic-text-link, .topic-feature-split .topic-card > .topic-text-link { margin-top: auto; padding-top: 17px; }
.topic-center-action { margin-top: 30px; text-align: center; }

.topic-category-strip { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin: 0 0 30px; }
.topic-category-strip a { padding: 10px 20px; color: #234765; background: #fff; border: 1px solid #dce5f0; border-radius: 9px; font-weight: 700; }
.topic-category-strip a:hover { color: var(--topic-primary); border-color: #abcaf4; box-shadow: 0 6px 18px rgba(11,99,246,.08); }
.topic-product-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
.topic-product-grid-home { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.topic-product-card { display: flex; flex-direction: column; height: 100%; overflow: hidden; background: #fff; border: 1px solid #e0e7ef; border-radius: 10px; transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; }
.topic-product-card:hover { transform: translateY(-2px); border-color: #bfd5f2; box-shadow: 0 12px 28px rgba(29,71,116,.09); }
.topic-product-image { display: grid; flex: 0 0 auto; width: 100%; min-width: 0; min-height: 0; aspect-ratio: 4 / 3; place-items: center; overflow: hidden; padding: 16px; background: #fafbfd; border-bottom: 1px solid #edf1f5; }
.topic-product-grid-home .topic-product-image { flex-basis: auto; height: auto; }
.topic-product-image img { display: block; width: 100%; height: 100%; min-width: 0; min-height: 0; max-width: 100%; max-height: 100%; object-fit: contain; object-position: center; }
.topic-product-body { display: flex; flex: 1; flex-direction: column; padding: 18px; }
.topic-product-body h3 { min-height: 52px; margin: 0 0 9px; color: #17334f; font-size: 17px; line-height: 1.55; }
.topic-product-feature { min-height: 22px; margin: 0; color: #50677f; font-size: 14px; }
.topic-product-scene { display: flex; min-height: 42px; align-items: center; margin: 8px 0 0; padding: 7px 9px; color: #55708c; background: #f2f6fa; border-radius: 6px; font-size: 13px; line-height: 1.55; }
.topic-product-body > .topic-text-link { margin-top: auto; padding-top: 17px; }

.topic-type-grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 16px; }
.topic-type-grid .topic-card { padding: 23px 20px; border-radius: 12px; box-shadow: none; }
.topic-type-grid .topic-card h3 { font-size: 18px; }
.topic-choice-entry { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.topic-choice-path { display: flex; flex-direction: column; height: 100%; padding: 30px; background: #fff; border: 1px solid #dfe7f1; border-radius: 14px; }
.topic-choice-path-personal { background: #f5f9ff; border-color: #cfe0f6; }
.topic-choice-path h3 { margin: 0 0 9px; color: #163654; font-size: 24px; }
.topic-choice-path > p { margin: 0; color: #607086; }
.topic-path-steps { display: grid; gap: 10px; margin-top: 20px; }
.topic-path-steps div { position: relative; padding: 14px 15px 14px 44px; background: #fff; border: 1px solid #e1e8f0; border-radius: 9px; }
.topic-path-steps div::before { content: "→"; position: absolute; left: 16px; top: 14px; color: var(--topic-primary); font-weight: 900; }
.topic-path-steps strong, .topic-path-steps span { display: block; }
.topic-path-steps strong { color: #24445f; font-size: 14px; }
.topic-path-steps span { margin-top: 3px; color: #667a90; font-size: 13px; }
.topic-choice-path > .topic-text-link { margin-top: auto; padding-top: 18px; }
.topic-choice-guide { margin-top: 28px; overflow: hidden; color: #fff; background: linear-gradient(135deg, #123d70, #0b63d8); border-radius: 16px; box-shadow: 0 16px 34px rgba(18,61,112,.14); }
.topic-choice-guide-head { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 21px 24px; border-bottom: 1px solid rgba(255,255,255,.16); }
.topic-choice-guide-head span { font-size: 13px; font-weight: 800; letter-spacing: .08em; }
.topic-choice-guide-head strong { font-size: 18px; }
.topic-choice-guide-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.topic-choice-guide-grid > div { min-width: 0; padding: 24px; border-left: 1px solid rgba(255,255,255,.16); }
.topic-choice-guide-grid > div:first-child { border-left: 0; }
.topic-choice-guide-grid span { display: block; color: #9dd0ff; font-size: 12px; font-weight: 850; letter-spacing: .1em; }
.topic-choice-guide-grid p { min-height: 48px; margin: 12px 0 13px; color: rgba(255,255,255,.76); font-size: 14px; line-height: 1.7; }
.topic-choice-guide-grid strong { display: flex; align-items: center; justify-content: space-between; gap: 10px; font-size: 16px; }
.topic-choice-guide-grid strong::after { content: "→"; color: #77c4ff; font-size: 18px; }
.topic-standards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 20px; }
.topic-standards span { padding: 14px 12px; color: #1259b3; background: #f0f6ff; border: 1px solid #d2e2f7; border-radius: 9px; text-align: center; font-weight: 750; }
.topic-choice-detail { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.topic-choice-panel { display: flex; flex-direction: column; height: 100%; padding: 30px; background: #fff; border: 1px solid #dfe7f0; border-radius: 14px; }
.topic-choice-panel-personal { background: #fff; border-color: #dfe7f0; }
.topic-choice-panel h3 { margin: 0 0 18px; color: #173855; font-size: 24px; }
.topic-number-list { margin: 0; padding: 0; list-style: none; display: grid; grid-template-columns: repeat(2, 1fr); gap: 11px; counter-reset: choice; }
.topic-number-list li { position: relative; padding: 14px 14px 14px 45px; background: #fff; border: 1px solid #e1e8f0; border-radius: 9px; counter-increment: choice; }
.topic-number-list li::before { content: counter(choice); position: absolute; left: 14px; top: 14px; display: grid; place-items: center; width: 23px; height: 23px; color: #fff; background: var(--topic-primary); border-radius: 7px; font-size: 12px; font-weight: 800; }
.topic-number-list strong, .topic-number-list span { display: block; }
.topic-number-list strong { color: #24445f; font-size: 14px; }
.topic-number-list span { margin-top: 3px; color: #687b90; font-size: 13px; line-height: 1.55; }
.topic-compact-list, .topic-mini-list { margin: 0; padding: 0; list-style: none; display: grid; gap: 10px; }
.topic-compact-list li { padding-bottom: 10px; color: #61748a; border-bottom: 1px solid #e8edf3; font-size: 14px; }
.topic-compact-list strong { display: block; color: #24445f; }
.topic-mini-list li { position: relative; padding-left: 23px; color: #5d7087; }
.topic-mini-list li::before { content: "✓"; position: absolute; left: 0; color: var(--topic-success); font-weight: 900; }
.topic-tag-row { display: flex; flex-wrap: wrap; gap: 7px; margin-top: 17px; }
.topic-tag-row span { padding: 5px 9px; color: #536e89; background: #f1f5f8; border-radius: 5px; font-size: 12px; }
.topic-choice-panel > .topic-text-link { margin-top: auto; padding-top: 17px; }
.topic-inline-cta, .topic-about { display: grid; grid-template-columns: 1fr auto; gap: 34px; align-items: center; padding: 34px; background: #fff; border: 1px solid #dbe5f0; border-radius: 16px; box-shadow: 0 12px 32px rgba(32,70,111,.06); }
.topic-inline-cta h2, .topic-about h2 { margin: 0 0 10px; }
.topic-inline-cta p, .topic-about p { margin: 0; color: #5b6f85; }
.topic-about { grid-template-columns: .55fr 1.5fr auto; }

.topic-table-wrap { overflow-x: auto; border: 1px solid var(--topic-line); border-radius: var(--topic-radius); box-shadow: 0 14px 40px rgba(35,70,110,.06); }
.topic-table { width: 100%; border-collapse: collapse; background: #fff; min-width: 680px; }
.topic-table th { padding: 17px 19px; color: #fff; background: #174f96; text-align: left; font-size: 15px; }
.topic-table td { padding: 17px 19px; border-top: 1px solid #e7edf5; color: #506177; vertical-align: top; }
.topic-table tbody tr:nth-child(even) td { background: #f8fbff; }
.topic-table strong { color: #193a60; }
.topic-settlement-grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 14px; }
.topic-settlement-grid article { position: relative; min-width: 0; padding: 25px 21px 22px; overflow: hidden; background: linear-gradient(155deg, #fff 35%, #f3f8ff); border: 1px solid #d8e5f3; border-radius: 16px; }
.topic-settlement-grid article::after { content: ""; position: absolute; right: -28px; bottom: -28px; width: 82px; height: 82px; background: rgba(11,99,246,.06); border-radius: 50%; }
.topic-settlement-grid span { color: var(--topic-primary); font-size: 12px; font-weight: 850; letter-spacing: .1em; }
.topic-settlement-grid h3 { min-height: 52px; margin: 10px 0 13px; color: #173654; font-size: 19px; line-height: 1.45; }
.topic-settlement-grid strong { display: block; min-height: 47px; color: #294b6c; font-size: 14px; line-height: 1.65; }
.topic-settlement-grid p { margin: 10px 0 0; color: #718297; font-size: 13px; line-height: 1.6; }
.topic-price-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.topic-price-grid article { display: flex; min-width: 0; min-height: 275px; flex-direction: column; padding: 26px 23px; background: #fff; border: 1px solid #d9e5f2; border-radius: 17px; box-shadow: 0 12px 30px rgba(35,70,110,.055); }
.topic-price-grid span { align-self: flex-start; padding: 5px 9px; color: #0b63d8; background: #eaf3ff; border-radius: 7px; font-size: 12px; font-weight: 800; }
.topic-price-grid h3 { margin: 17px 0 8px; color: #173654; font-size: 20px; }
.topic-price-grid strong { color: #0863dd; font-size: 25px; line-height: 1.35; }
.topic-price-grid p { margin: auto 0 0; padding-top: 22px; color: #697d92; font-size: 14px; line-height: 1.75; }
.topic-fee-source-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.topic-fee-source-grid article { min-width: 0; padding: 27px; background: linear-gradient(150deg, #fff, #f5f9fe); border: 1px solid #d9e5f2; border-radius: 17px; }
.topic-fee-source-head { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.topic-fee-source-head span { display: grid; place-items: center; width: 38px; height: 38px; color: #fff; background: var(--topic-primary); border-radius: 11px; font-size: 12px; font-weight: 850; }
.topic-fee-source-head h3 { margin: 0; color: #173654; font-size: 20px; }
.topic-fee-source-grid dl, .topic-fee-source-grid dd { margin: 0; }
.topic-fee-source-grid dl { display: grid; gap: 14px; }
.topic-fee-source-grid dl > div { padding-top: 14px; border-top: 1px solid #e1e9f2; }
.topic-fee-source-grid dt { color: #0b63d8; font-size: 13px; font-weight: 800; }
.topic-fee-source-grid dd { margin-top: 5px; color: #60748a; font-size: 14px; line-height: 1.7; }
.topic-free-reminder { display: grid; grid-template-columns: auto 1fr; gap: 20px; align-items: center; margin-top: 26px; padding: 24px 27px; color: #fff; background: linear-gradient(135deg, #153c69, #0b63d8); border-radius: 16px; box-shadow: 0 14px 30px rgba(21,60,105,.14); }
.topic-free-reminder span { padding: 8px 12px; color: #0b5fc9; background: #fff; border-radius: 999px; font-size: 12px; font-weight: 850; white-space: nowrap; }
.topic-free-reminder p { margin: 0; color: rgba(255,255,255,.82); line-height: 1.75; }

.topic-rate-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; width: 100%; }
.topic-rate-card { position: relative; overflow: hidden; min-width: 0; padding: 26px 22px 24px; text-align: center; background: linear-gradient(155deg, #fff 42%, #f4f8fd 100%); border: 1px solid #dbe6f2; border-radius: 16px; box-shadow: 0 12px 32px rgba(35,70,110,.06); }
.topic-rate-card::before { content: ""; position: absolute; top: 0; left: 24%; right: 24%; height: 3px; background: linear-gradient(90deg, var(--topic-primary), var(--topic-cyan)); border-radius: 0 0 4px 4px; }
.topic-rate-card h3 { min-height: 50px; margin: 0 0 14px; color: #214467; font-size: 17px; line-height: 1.45; }
.topic-rate-card p { margin: 11px 0 0; color: #68798d; font-size: 14px; line-height: 1.6; }
.topic-rate-value { display: block; color: var(--topic-primary); font-size: 32px; line-height: 1.15; font-weight: 850; letter-spacing: -.02em; }
.topic-rate-value-text { padding-top: 5px; font-size: 24px; line-height: 1.25; }
.topic-rate-card-accent { background: linear-gradient(155deg, #f7fbff 25%, #eaf4ff 100%); border-color: #bdd8f6; }

.topic-cost-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; width: 100%; }
.topic-cost-card { display: flex; flex-direction: column; min-width: 0; padding: 25px 26px 23px; background: #fff; border: 1px solid #dfe8f2; border-radius: 16px; box-shadow: 0 12px 34px rgba(35,70,110,.055); }
.topic-cost-head { display: flex; align-items: center; gap: 15px; margin-bottom: 15px; }
.topic-cost-icon { display: grid; flex: 0 0 48px; place-items: center; width: 48px; height: 48px; color: #fff; background: linear-gradient(135deg, #0b63d9, #13a7cb); border-radius: 13px; font-size: 13px; font-weight: 850; letter-spacing: .04em; }
.topic-cost-head h3 { margin: 0 0 5px; color: #193a60; font-size: 20px; line-height: 1.35; }
.topic-cost-badge { display: inline-flex; padding: 3px 8px; color: #0b63c7; background: #eaf3ff; border-radius: 6px; font-size: 12px; font-weight: 750; }
.topic-cost-card > p { margin: 0 0 18px; color: #63758a; font-size: 14px; }
.topic-cost-check { display: grid; grid-template-columns: auto 1fr; gap: 12px; align-items: start; margin-top: auto; padding: 14px 15px; color: #526b84; background: #f5f8fc; border-radius: 10px; font-size: 14px; line-height: 1.65; }
.topic-cost-check strong { color: #0d5dbf; white-space: nowrap; }
.topic-cost-links { max-width: none; }

.topic-product-directory { position: relative; display: grid; grid-template-columns: 150px 1fr auto; gap: 20px; align-items: center; margin-top: 22px; padding: 24px 76px 24px 26px; overflow: hidden; color: #173654; background: linear-gradient(120deg, #eef6ff, #fff 62%, #e8f3ff); border: 1px solid #cfe0f4; border-radius: 16px; box-shadow: 0 12px 32px rgba(35,70,110,.055); }
.topic-product-directory::after { content: "→"; position: absolute; right: 24px; top: 50%; display: grid; place-items: center; width: 38px; height: 38px; color: #fff; background: linear-gradient(135deg, #075bdc, #11a1d8); border-radius: 50%; transform: translateY(-50%); }
.topic-product-directory:hover { border-color: #9fc5f3; box-shadow: 0 16px 34px rgba(11,99,246,.09); }
.topic-product-directory span { color: #0b63d8; font-size: 13px; font-weight: 850; letter-spacing: .08em; }
.topic-product-directory strong { color: #173654; font-size: 20px; }
.topic-product-directory em { color: #687c91; font-size: 14px; font-style: normal; }

.topic-personal-choice-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.topic-personal-choice-grid article { min-width: 0; min-height: 225px; padding: 25px 24px; background: linear-gradient(150deg, #fff, #f5f9ff); border: 1px solid #d9e5f2; border-radius: 16px; box-shadow: 0 10px 28px rgba(35,70,110,.045); }
.topic-personal-choice-grid article > span, .topic-use-grid article > span, .topic-reliability-grid article > span { display: inline-grid; place-items: center; min-width: 38px; height: 30px; padding: 0 9px; color: #0b63d8; background: #eaf3ff; border-radius: 8px; font-size: 12px; font-weight: 850; }
.topic-personal-choice-grid h3 { margin: 16px 0 13px; color: #173654; font-size: 19px; }
.topic-personal-choice-grid ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 9px; }
.topic-personal-choice-grid li { position: relative; padding-left: 18px; color: #60748a; font-size: 14px; line-height: 1.65; }
.topic-personal-choice-grid li::before { content: ""; position: absolute; left: 1px; top: .7em; width: 6px; height: 6px; background: #13a1cf; border-radius: 50%; }
.topic-selection-summary { display: grid; grid-template-columns: 190px 1fr; gap: 24px; align-items: center; margin-top: 20px; padding: 23px 26px; color: #fff; background: linear-gradient(125deg, #113c70, #0b63d8); border-radius: 16px; }
.topic-selection-summary strong { font-size: 18px; }
.topic-selection-summary p { margin: 0; color: rgba(255,255,255,.82); }

.topic-use-grid, .topic-reliability-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.topic-use-grid article, .topic-reliability-grid article { display: flex; min-width: 0; min-height: 220px; flex-direction: column; padding: 27px 26px; background: #fff; border: 1px solid #dbe6f2; border-radius: 16px; box-shadow: 0 12px 32px rgba(35,70,110,.05); }
.topic-use-grid h3, .topic-reliability-grid h3 { margin: 17px 0 9px; color: #173654; font-size: 20px; }
.topic-use-grid p, .topic-reliability-grid p { margin: 0; color: #60748a; line-height: 1.8; }
.topic-use-grid a { font-weight: 750; }
.topic-reliability-grid article { min-height: 255px; }
.topic-card-links { display: flex; flex-wrap: wrap; gap: 16px; margin-top: auto; padding-top: 18px; }
.topic-card-links a { color: #0b63d8; font-size: 14px; font-weight: 750; }

.topic-apply-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.topic-apply-grid article { display: grid; min-width: 0; min-height: 230px; grid-template-columns: 54px 1fr; gap: 18px; align-items: start; padding: 27px 26px; background: linear-gradient(145deg, #fff, #f5f9fe); border: 1px solid #d9e5f2; border-radius: 16px; }
.topic-apply-grid article > span { display: grid; place-items: center; width: 54px; height: 54px; color: #fff; background: linear-gradient(135deg, #075bdc, #11a1d8); border-radius: 15px; font-size: 14px; font-weight: 850; }
.topic-apply-grid h3 { margin: 2px 0 9px; color: #173654; font-size: 20px; }
.topic-apply-grid p { margin: 0; color: #60748a; line-height: 1.8; }
.topic-apply-grid ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 9px; }
.topic-apply-grid li { position: relative; padding-left: 18px; color: #60748a; line-height: 1.7; }
.topic-apply-grid li::before { content: ""; position: absolute; left: 1px; top: .7em; width: 6px; height: 6px; background: #149fcf; border-radius: 50%; }

.topic-merchant-device-compare { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.topic-merchant-device-compare article { display: flex; min-width: 0; min-height: 430px; flex-direction: column; padding: 31px 30px; background: linear-gradient(150deg, #fff, #f4f8fe); border: 1px solid #d8e4f1; border-radius: 18px; box-shadow: 0 14px 36px rgba(35,70,110,.055); }
.topic-merchant-device-compare article.is-smart { background: linear-gradient(150deg, #f7fbff, #eaf4ff); border-color: #bfd8f5; }
.topic-merchant-device-compare article > span { align-self: flex-start; padding: 6px 10px; color: #0b63d8; background: #e8f2ff; border-radius: 7px; font-size: 12px; font-weight: 850; }
.topic-merchant-device-compare h3 { margin: 17px 0 8px; color: #173654; font-size: 25px; }
.topic-merchant-device-compare p { margin: 0 0 19px; color: #60748a; }
.topic-merchant-device-compare ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 11px; }
.topic-merchant-device-compare li { position: relative; padding: 11px 13px 11px 37px; color: #536b84; background: rgba(255,255,255,.72); border: 1px solid #e0e9f3; border-radius: 9px; }
.topic-merchant-device-compare li::before { content: "✓"; position: absolute; left: 14px; color: #0a71dd; font-weight: 900; }
.topic-merchant-device-compare a { margin-top: auto; padding-top: 22px; font-weight: 800; }
.topic-merchant-decision { display: grid; grid-template-columns: 130px 1fr; gap: 22px; align-items: center; margin-top: 20px; padding: 22px 25px; color: #fff; background: linear-gradient(120deg, #143b68, #0b63d8); border-radius: 15px; }
.topic-merchant-decision p { margin: 0; color: rgba(255,255,255,.82); }

.topic-merchant-function-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.topic-merchant-function-grid article { min-width: 0; min-height: 255px; padding: 26px 23px; background: #fff; border: 1px solid #dce7f2; border-radius: 16px; box-shadow: 0 12px 30px rgba(35,70,110,.05); }
.topic-merchant-function-grid span, .topic-merchant-fees article > span, .topic-merchant-care-grid article > span { display: inline-grid; place-items: center; min-width: 42px; height: 32px; padding: 0 10px; color: #0b63d8; background: #eaf3ff; border-radius: 8px; font-size: 12px; font-weight: 850; }
.topic-merchant-function-grid h3 { margin: 18px 0 10px; color: #173654; font-size: 20px; }
.topic-merchant-function-grid p { margin: 0; color: #60748a; line-height: 1.75; }

.topic-merchant-process { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.topic-merchant-process article { display: grid; min-width: 0; min-height: 260px; grid-template-columns: 54px 1fr; gap: 18px; padding: 27px 26px; background: linear-gradient(145deg, #fff, #f5f9fe); border: 1px solid #d9e5f2; border-radius: 16px; }
.topic-merchant-process article > span { display: grid; place-items: center; width: 54px; height: 54px; color: #fff; background: linear-gradient(135deg, #075bdc, #11a1d8); border-radius: 15px; font-size: 14px; font-weight: 850; }
.topic-merchant-process h3 { margin: 2px 0 11px; color: #173654; font-size: 20px; }
.topic-merchant-process ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 9px; }
.topic-merchant-process li { position: relative; padding-left: 18px; color: #60748a; line-height: 1.7; }
.topic-merchant-process li::before { content: ""; position: absolute; left: 1px; top: .7em; width: 6px; height: 6px; background: #149fcf; border-radius: 50%; }
.topic-merchant-process-final { grid-column: 1 / -1; min-height: 0 !important; }

.topic-merchant-fees { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 16px; }
.topic-merchant-fees article { display: flex; min-width: 0; min-height: 265px; grid-column: span 2; flex-direction: column; padding: 26px 23px; background: linear-gradient(150deg, #fff, #f5f9fe); border: 1px solid #d9e5f2; border-radius: 16px; }
.topic-merchant-fees .topic-merchant-fee-key { min-height: 245px; grid-column: span 3; text-align: center; background: linear-gradient(150deg, #f7fbff, #eaf4ff); border-color: #bfd8f5; }
.topic-merchant-fees h3 { margin: 17px 0 9px; color: #173654; font-size: 20px; }
.topic-merchant-fees strong { display: block; color: #0b63d8; font-size: 31px; line-height: 1.25; }
.topic-merchant-fees p { margin: 11px 0 0; color: #60748a; line-height: 1.75; }
.topic-merchant-fees a { display: inline-flex; align-self: flex-start; margin-top: auto; padding-top: 18px; font-weight: 800; }
.topic-merchant-fee-key a { align-self: center; }

.topic-merchant-reliable-grid, .topic-merchant-care-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.topic-merchant-reliable-grid article, .topic-merchant-care-grid article { min-width: 0; min-height: 240px; padding: 27px 26px; background: #fff; border: 1px solid #dbe6f2; border-radius: 16px; box-shadow: 0 12px 30px rgba(35,70,110,.045); }
.topic-merchant-reliable-grid article > span { display: inline-grid; place-items: center; width: 38px; height: 30px; color: #0b63d8; background: #eaf3ff; border-radius: 8px; font-size: 12px; font-weight: 850; }
.topic-merchant-reliable-grid h3, .topic-merchant-care-grid h3 { margin: 17px 0 9px; color: #173654; font-size: 20px; }
.topic-merchant-reliable-grid p, .topic-merchant-care-grid p { margin: 0; color: #60748a; line-height: 1.78; }
.topic-merchant-guide { position: relative; display: grid; grid-template-columns: 145px 1fr auto; gap: 20px; align-items: center; margin-top: 20px; padding: 23px 72px 23px 25px; color: #173654; background: linear-gradient(120deg, #eef6ff, #fff 64%, #e8f3ff); border: 1px solid #cfe0f4; border-radius: 15px; }
.topic-merchant-guide::after { content: "→"; position: absolute; right: 23px; top: 50%; display: grid; place-items: center; width: 36px; height: 36px; color: #fff; background: #0b63d8; border-radius: 50%; transform: translateY(-50%); }
.topic-merchant-guide span { color: #0b63d8; font-size: 12px; font-weight: 850; }
.topic-merchant-guide strong { font-size: 18px; }
.topic-merchant-guide em { color: #687c91; font-size: 13px; font-style: normal; }
.topic-merchant-care-grid article { min-height: 225px; }
.topic-merchant-care-wide { grid-column: 1 / -1; min-height: 0 !important; }
.topic-merchant-product-grid > article { display: flex; min-height: 225px; flex-direction: column; }
.topic-merchant-product-grid h3 { min-height: 30px; }
.topic-merchant-product-grid > article > p { margin-bottom: 0; }
.topic-merchant-product-link { display: inline-flex; align-items: center; align-self: flex-start; margin-top: auto; padding-top: 20px; font-weight: 800; }

.topic-home-service-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.topic-home-service-grid article { position: relative; display: flex; min-width: 0; min-height: 300px; flex-direction: column; overflow: hidden; padding: 30px 27px; background: linear-gradient(150deg, #fff 38%, #f3f8ff); border: 1px solid #d8e5f2; border-radius: 18px; box-shadow: 0 14px 34px rgba(35,70,110,.055); }
.topic-home-service-grid article::after { content: ""; position: absolute; right: -46px; top: -46px; width: 130px; height: 130px; background: rgba(11,99,246,.055); border-radius: 50%; }
.topic-home-service-grid article > span { align-self: flex-start; padding: 6px 11px; color: #0b63d8; background: #eaf3ff; border-radius: 999px; font-size: 12px; font-weight: 850; letter-spacing: .07em; }
.topic-home-service-grid h3 { margin: 20px 0 10px; color: #173654; font-size: 22px; }
.topic-home-service-grid p { position: relative; z-index: 1; margin: 0; color: #60748a; line-height: 1.8; }
.topic-home-service-grid a { position: relative; z-index: 1; display: inline-flex; align-self: flex-start; margin-top: auto; padding-top: 22px; font-weight: 800; }
.topic-home-check-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.topic-home-check-grid article { display: grid; min-width: 0; min-height: 235px; grid-template-columns: 50px minmax(0, 1fr); grid-template-rows: auto 1fr auto; column-gap: 18px; padding: 27px 26px; background: #fff; border: 1px solid #dbe6f2; border-radius: 17px; box-shadow: 0 12px 30px rgba(35,70,110,.045); }
.topic-home-check-grid article > span { grid-row: 1 / 4; display: grid; place-items: center; width: 50px; height: 50px; color: #fff; background: linear-gradient(135deg, #075bdc, #11a1d8); border-radius: 14px; font-size: 13px; font-weight: 850; }
.topic-home-check-grid h3 { margin: 2px 0 9px; color: #173654; font-size: 20px; }
.topic-home-check-grid p { margin: 0; color: #60748a; line-height: 1.78; }
.topic-home-check-grid a { display: inline-flex; align-self: end; margin-top: 16px; font-weight: 800; }
.topic-home-process-intro { max-width: 930px; margin: -10px auto 34px; color: #60748a; text-align: center; font-size: 16px; line-height: 1.85; }
.topic-home-process-flow { position: relative; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); overflow: hidden; padding: 36px 20px 32px; background: linear-gradient(145deg, #fff, #f5f9ff); border: 1px solid #d8e5f2; border-radius: 20px; box-shadow: 0 16px 38px rgba(35,70,110,.06); }
.topic-home-process-flow::before { content: ""; position: absolute; left: 10%; right: 10%; top: 62px; height: 2px; background: linear-gradient(90deg, #0b63f6, #12a6d8); opacity: .34; }
.topic-home-process-flow article { position: relative; z-index: 1; min-width: 0; padding: 0 24px; text-align: center; }
.topic-home-process-flow article + article { border-left: 1px solid #e0e9f3; }
.topic-home-process-flow article > span { display: grid; place-items: center; width: 54px; height: 54px; margin: 0 auto 22px; color: #fff; background: linear-gradient(135deg, #075bdc, #12a6d8); border: 6px solid #f7fbff; border-radius: 50%; box-shadow: 0 8px 20px rgba(11,99,246,.18); font-size: 12px; font-weight: 850; }
.topic-home-process-flow h3 { min-height: 56px; margin: 0 0 11px; color: #173654; font-size: 19px; line-height: 1.5; }
.topic-home-process-flow p { margin: 0; color: #60748a; font-size: 14px; line-height: 1.78; }
.topic-home-knowledge-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.topic-home-knowledge-grid article { position: relative; display: flex; min-width: 0; min-height: 285px; flex-direction: column; overflow: hidden; padding: 28px 25px; background: linear-gradient(150deg, #fff 45%, #f3f8ff); border: 1px solid #d8e5f2; border-radius: 17px; box-shadow: 0 13px 32px rgba(35,70,110,.05); }
.topic-home-knowledge-grid article::after { content: ""; position: absolute; right: -42px; top: -42px; width: 112px; height: 112px; background: rgba(11,99,246,.05); border-radius: 50%; }
.topic-home-knowledge-grid article > span { position: relative; z-index: 1; align-self: flex-start; padding: 5px 10px; color: #0b63d8; background: #eaf3ff; border-radius: 999px; font-size: 12px; font-weight: 850; letter-spacing: .08em; }
.topic-home-knowledge-grid h3 { position: relative; z-index: 1; margin: 18px 0 9px; color: #173654; font-size: 21px; }
.topic-home-knowledge-grid p { position: relative; z-index: 1; margin: 0; color: #60748a; line-height: 1.8; }
.topic-home-knowledge-grid a { position: relative; z-index: 1; display: inline-flex; align-self: flex-start; margin-top: auto; padding-top: 21px; font-weight: 800; }
.topic-product-type-overview { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 16px; }
.topic-product-type-overview article { display: flex; min-width: 0; min-height: 300px; grid-column: span 2; flex-direction: column; padding: 27px 24px; background: linear-gradient(150deg, #fff, #f4f8fd); border: 1px solid #d9e5f2; border-radius: 17px; box-shadow: 0 11px 28px rgba(35,70,110,.045); }
.topic-product-type-overview article:nth-last-child(-n+2) { min-height: 255px; grid-column: span 3; }
.topic-product-type-overview article > span { align-self: flex-start; padding: 5px 9px; color: #0b63d8; background: #eaf3ff; border-radius: 7px; font-size: 12px; font-weight: 850; }
.topic-product-type-overview h3 { margin: 18px 0 8px; color: #173654; font-size: 21px; }
.topic-product-type-overview strong { color: #0b63d8; font-size: 14px; line-height: 1.65; }
.topic-product-type-overview p { margin: auto 0 0; padding-top: 19px; color: #60748a; line-height: 1.75; }
.topic-product-check-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.topic-product-check-grid article { display: flex; min-width: 0; min-height: 255px; flex-direction: column; padding: 28px 26px; background: #fff; border: 1px solid #dbe6f2; border-radius: 17px; box-shadow: 0 12px 30px rgba(35,70,110,.045); }
.topic-product-check-grid article > span { align-self: flex-start; color: #0b63d8; font-size: 12px; font-weight: 850; letter-spacing: .1em; }
.topic-product-check-grid h3 { margin: 16px 0 10px; color: #173654; font-size: 21px; }
.topic-product-check-grid p { margin: 0; color: #60748a; line-height: 1.78; }
.topic-product-check-grid a { display: inline-flex; align-self: flex-start; margin-top: auto; padding-top: 18px; font-weight: 800; }
.topic-product-selection-route { display: grid; grid-template-columns: 135px 1fr; gap: 22px; align-items: center; margin-top: 20px; padding: 23px 26px; color: #fff; background: linear-gradient(120deg, #123d70, #0b63d8); border-radius: 16px; box-shadow: 0 14px 30px rgba(18,61,112,.13); }
.topic-product-selection-route strong { font-size: 18px; }
.topic-product-selection-route p { margin: 0; color: rgba(255,255,255,.82); }

.topic-qr-advantages { gap: 16px; }
.topic-qr-advantages .topic-card { position: relative; display: grid; min-height: 168px; grid-template-columns: 48px minmax(0, 1fr); grid-template-rows: auto 1fr; column-gap: 16px; align-content: start; overflow: hidden; padding: 25px 24px; background: linear-gradient(145deg, #fff 40%, #f5f9ff); border-color: #d7e4f3; border-radius: 16px; box-shadow: 0 12px 28px rgba(35,70,110,.05); }
.topic-qr-advantages .topic-card::before { content: ""; position: absolute; left: 0; top: 23px; bottom: 23px; width: 3px; background: linear-gradient(180deg, #0b63f6, #12a6d8); border-radius: 0 3px 3px 0; }
.topic-qr-advantages .topic-card .topic-number { grid-row: 1 / 3; min-width: 48px; width: 48px; height: 48px; margin: 0; padding: 0; border-radius: 14px; box-shadow: 0 8px 18px rgba(11,99,246,.15); }
.topic-qr-advantages .topic-card h3 { margin: 1px 0 7px; font-size: 19px; line-height: 1.4; }
.topic-qr-advantages .topic-card p { margin: 0; color: #60748a; font-size: 14px; line-height: 1.72; }
.topic-qr-pos-compare { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.topic-qr-pos-compare article { position: relative; display: flex; min-width: 0; min-height: 310px; flex-direction: column; overflow: hidden; padding: 34px; background: #fff; border: 1px solid #d8e5f2; border-radius: 19px; box-shadow: 0 16px 38px rgba(35,70,110,.06); }
.topic-qr-pos-compare article:nth-child(2) { background: linear-gradient(145deg, #f8fbff, #eaf4ff); border-color: #c5dcf8; }
.topic-qr-pos-compare article::after { content: ""; position: absolute; right: -55px; bottom: -55px; width: 170px; height: 170px; background: rgba(11,99,246,.05); border-radius: 50%; }
.topic-qr-pos-compare span { align-self: flex-start; padding: 6px 11px; color: #0b63d8; background: #eaf3ff; border-radius: 999px; font-size: 12px; font-weight: 850; letter-spacing: .08em; }
.topic-qr-pos-compare h3 { margin: 19px 0 9px; color: #153656; font-size: 26px; }
.topic-qr-pos-compare strong { color: #0b63d8; font-size: 17px; }
.topic-qr-pos-compare p { position: relative; z-index: 1; margin: auto 0 0; padding-top: 23px; color: #60748a; line-height: 1.85; }
.topic-qr-option-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.topic-qr-option-grid article { display: flex; min-width: 0; min-height: 440px; flex-direction: column; padding: 29px 25px; background: linear-gradient(155deg, #fff 38%, #f4f8fd); border: 1px solid #d8e5f2; border-radius: 18px; box-shadow: 0 13px 32px rgba(35,70,110,.055); }
.topic-qr-option-grid article > span { align-self: flex-start; padding: 6px 10px; color: #0b63d8; background: #eaf3ff; border-radius: 7px; font-size: 12px; font-weight: 850; }
.topic-qr-option-grid h3 { margin: 18px 0 10px; color: #173654; font-size: 22px; }
.topic-qr-option-grid article > p { margin: 0; color: #60748a; line-height: 1.78; }
.topic-qr-option-grid dl, .topic-qr-option-grid dd { margin: 0; }
.topic-qr-option-grid dl { display: grid; gap: 13px; margin-top: auto; padding-top: 24px; }
.topic-qr-option-grid dl > div { padding: 14px 15px; background: rgba(255,255,255,.78); border: 1px solid #e0e9f3; border-radius: 11px; }
.topic-qr-option-grid dt { color: #0b63d8; font-size: 12px; font-weight: 850; }
.topic-qr-option-grid dd { margin-top: 4px; color: #405f7b; font-size: 14px; line-height: 1.65; }
.topic-qr-option-note { display: grid; grid-template-columns: auto 1fr auto; gap: 20px; align-items: center; margin-top: 20px; padding: 24px 27px; color: #fff; background: linear-gradient(135deg, #123d70, #0b63d8); border-radius: 16px; box-shadow: 0 15px 34px rgba(18,61,112,.15); }
.topic-qr-option-note > span { padding: 7px 11px; color: #0b5fc9; background: #fff; border-radius: 999px; font-size: 12px; font-weight: 850; white-space: nowrap; }
.topic-qr-option-note p { margin: 0; color: rgba(255,255,255,.8); line-height: 1.7; }
.topic-qr-option-note strong { color: #fff; }
.topic-qr-option-note a { color: #fff; font-weight: 800; white-space: nowrap; }
.topic-qr-qualification { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; margin-bottom: 28px; }
.topic-qr-qualification article { min-width: 0; padding: 28px; background: #fff; border: 1px solid #d8e5f2; border-radius: 17px; }
.topic-qr-qualification span { color: #0b63d8; font-size: 12px; font-weight: 850; letter-spacing: .08em; }
.topic-qr-qualification h3 { margin: 12px 0 9px; color: #173654; font-size: 21px; }
.topic-qr-qualification p { margin: 0; color: #60748a; line-height: 1.78; }
.topic-qr-process { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 17px; }
.topic-qr-process article { display: flex; min-width: 0; min-height: 270px; grid-column: span 2; flex-direction: column; padding: 28px 24px; background: linear-gradient(150deg, #fff, #f4f8fd); border: 1px solid #d9e5f2; border-radius: 17px; }
.topic-qr-process article:nth-last-child(-n+2) { min-height: 235px; grid-column: span 3; }
.topic-qr-process span { display: grid; place-items: center; width: 45px; height: 45px; color: #fff; background: linear-gradient(135deg, #0b63f6, #12a6d8); border-radius: 13px; font-size: 12px; font-weight: 850; }
.topic-qr-process h3 { margin: 20px 0 10px; color: #173654; font-size: 20px; }
.topic-qr-process p { margin: 0; color: #60748a; line-height: 1.8; }
.topic-qr-limit-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.topic-qr-limit-grid article { position: relative; min-width: 0; min-height: 215px; padding: 29px 27px 27px 82px; overflow: hidden; background: #fff; border: 1px solid #dbe6f2; border-radius: 17px; box-shadow: 0 12px 30px rgba(35,70,110,.05); }
.topic-qr-limit-grid span { position: absolute; left: 25px; top: 28px; display: grid; place-items: center; width: 40px; height: 40px; color: #0b63d8; background: #eaf3ff; border-radius: 11px; font-size: 12px; font-weight: 850; }
.topic-qr-limit-grid h3 { margin: 0 0 10px; color: #173654; font-size: 20px; }
.topic-qr-limit-grid p { margin: 0; color: #60748a; line-height: 1.8; }

.topic-section-subtitle { max-width: 820px; margin: -18px auto 30px; color: #5d7087; text-align: center; font-size: 16px; }
.topic-regular-foundation .topic-card { display: flex; min-height: 285px; flex-direction: column; }
.topic-regular-foundation .topic-card p { margin-top: auto; }
.topic-regular-concepts { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.topic-regular-concepts article { position: relative; display: flex; min-width: 0; min-height: 320px; flex-direction: column; overflow: hidden; padding: 34px; background: linear-gradient(145deg, #fff 35%, #f2f7ff); border: 1px solid #d6e4f4; border-radius: 19px; box-shadow: 0 16px 38px rgba(35,70,110,.065); }
.topic-regular-concepts article::after { content: ""; position: absolute; right: -52px; top: -52px; width: 145px; height: 145px; background: rgba(11,99,246,.055); border-radius: 50%; }
.topic-regular-concepts article > span { align-self: flex-start; padding: 6px 11px; color: #0b63d8; background: #e8f2ff; border-radius: 999px; font-size: 12px; font-weight: 850; letter-spacing: .08em; }
.topic-regular-concepts h3 { margin: 22px 0 12px; color: #153656; font-size: 24px; }
.topic-regular-concepts p { margin: 0; color: #5e7188; line-height: 1.85; }
.topic-regular-concepts strong { margin-top: auto; padding-top: 24px; color: #0c5fcf; font-size: 15px; }
.topic-regulation-core { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(320px, .75fr); gap: 18px; }
.topic-regulation-core > div { min-width: 0; padding: 31px; background: #fff; border: 1px solid #d9e5f2; border-radius: 18px; }
.topic-regulation-core span { color: #0b63d8; font-size: 12px; font-weight: 850; letter-spacing: .09em; }
.topic-regulation-core h3 { margin: 9px 0 10px; color: #153656; font-size: 26px; }
.topic-regulation-core p { margin: 0; color: #60748a; line-height: 1.8; }
.topic-regulation-core a { display: inline-flex; margin-top: 18px; font-weight: 800; }
.topic-regulation-core .topic-regulation-highlight { display: flex; justify-content: center; flex-direction: column; color: #fff; background: linear-gradient(135deg, #123d70, #0b63d8); border-color: transparent; box-shadow: 0 16px 34px rgba(18,61,112,.16); }
.topic-regulation-highlight span { color: #9fd6ff; }
.topic-regulation-highlight strong { display: block; margin: 13px 0 10px; color: #fff; font-size: 25px; line-height: 1.45; }
.topic-regulation-highlight p { color: rgba(255,255,255,.78); }
.topic-regulation-label { display: flex; align-items: center; justify-content: space-between; gap: 22px; margin: 29px 0 16px; }
.topic-regulation-label strong { color: #183b5c; font-size: 19px; }
.topic-regulation-label span { color: #6b7d91; font-size: 13px; }
.topic-regulation-five { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 13px; }
.topic-regulation-five article { min-width: 0; padding: 23px 19px; background: linear-gradient(155deg, #fff, #f5f9fe); border: 1px solid #dbe6f2; border-radius: 15px; }
.topic-regulation-five article > span { display: inline-grid; place-items: center; width: 37px; height: 30px; color: #fff; background: linear-gradient(135deg, #0b63f6, #12a6d8); border-radius: 8px; font-size: 12px; font-weight: 850; }
.topic-regulation-five h3 { min-height: 54px; margin: 16px 0 7px; color: #173654; font-size: 18px; line-height: 1.5; }
.topic-regulation-five p { margin: 0; color: #687b90; font-size: 14px; line-height: 1.7; }
.topic-regulation-result { display: grid; grid-template-columns: auto 1fr; gap: 19px; align-items: center; margin-top: 17px; padding: 22px 25px; background: #edf6ff; border: 1px solid #cfe2f8; border-radius: 15px; }
.topic-regulation-result strong { padding: 7px 12px; color: #fff; background: #0b63d8; border-radius: 999px; font-size: 13px; white-space: nowrap; }
.topic-regulation-result p { margin: 0; color: #405d78; }
.topic-agent-check-grid { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 18px; }
.topic-agent-check-grid article { display: flex; min-width: 0; min-height: 260px; grid-column: span 2; flex-direction: column; padding: 28px 25px; background: #fff; border: 1px solid #dbe6f2; border-radius: 17px; box-shadow: 0 12px 30px rgba(35,70,110,.05); }
.topic-agent-check-grid article:nth-last-child(-n+2) { grid-column: span 3; min-height: 230px; }
.topic-agent-check-grid span { align-self: flex-start; color: #0b63d8; font-size: 12px; font-weight: 850; letter-spacing: .1em; }
.topic-agent-check-grid h3 { margin: 17px 0 10px; color: #173654; font-size: 20px; }
.topic-agent-check-grid p { margin: 0; color: #60748a; line-height: 1.8; }
.topic-regular-checklist { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.topic-regular-checklist article { display: grid; min-width: 0; min-height: 156px; grid-template-columns: 50px 1fr; gap: 18px; align-items: start; padding: 25px; background: linear-gradient(145deg, #fff, #f5f9fe); border: 1px solid #dbe6f2; border-radius: 16px; }
.topic-regular-checklist article > span { display: grid; place-items: center; width: 50px; height: 50px; color: #fff; background: linear-gradient(135deg, #075bdc, #11a1d8); border-radius: 14px; font-size: 13px; font-weight: 850; }
.topic-regular-checklist h3 { margin: 2px 0 7px; color: #173654; font-size: 20px; }
.topic-regular-checklist p { margin: 0; color: #60748a; line-height: 1.75; }
.topic-regular-checklist .topic-regular-check-wide { grid-column: 1 / -1; min-height: 0; }

.topic-callout { max-width: 980px; margin: 28px auto 0; padding: 23px 25px; color: #29435f; background: linear-gradient(135deg, #edf6ff, #f7fbff); border: 1px solid #cfe3fb; border-left: 5px solid var(--topic-primary); border-radius: 14px; }
.topic-callout strong { color: #0d55bb; }
.topic-callout-warn { background: #fff9ed; border-color: #f5dbab; border-left-color: var(--topic-warn); }
.topic-callout-warn strong { color: #a75a04; }
.topic-cost-more { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; margin-top: 28px; }
.topic-cost-more a { position: relative; display: grid; min-width: 0; padding: 24px 68px 24px 24px; overflow: hidden; color: #173654; background: linear-gradient(135deg, #fff, #f2f7fd); border: 1px solid #d8e4f1; border-radius: 16px; transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease; }
.topic-cost-more a::after { content: "→"; position: absolute; right: 22px; top: 50%; display: grid; place-items: center; width: 34px; height: 34px; color: #fff; background: var(--topic-primary); border-radius: 50%; transform: translateY(-50%); }
.topic-cost-more a:hover { transform: translateY(-2px); border-color: #a8c9f3; box-shadow: 0 14px 30px rgba(11,99,246,.09); }
.topic-cost-more span { color: var(--topic-primary); font-size: 12px; font-weight: 850; letter-spacing: .08em; }
.topic-cost-more strong { margin-top: 5px; color: #173654; font-size: 19px; }
.topic-cost-more em { margin-top: 5px; color: #687c91; font-size: 13px; font-style: normal; line-height: 1.6; }

.topic-steps { position: relative; display: grid; gap: 14px; max-width: 960px; margin: 0 auto; }
.topic-step { display: grid; grid-template-columns: 54px 1fr; gap: 20px; align-items: start; padding: 23px 25px; background: #fff; border: 1px solid var(--topic-line); border-radius: 16px; }
.topic-step-no { display: grid; place-items: center; width: 54px; height: 54px; color: #fff; background: linear-gradient(135deg, #075bdc, #11a1d8); border-radius: 15px; font-size: 18px; font-weight: 800; }
.topic-step h3 { margin: 1px 0 6px; color: #173655; font-size: 19px; }
.topic-step p { margin: 0; color: #607187; }
.topic-steps-grid { max-width: none; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.topic-steps-grid .topic-step { height: 100%; padding: 22px 24px; }
.topic-steps-grid .topic-step-no { width: 48px; height: 48px; border-radius: 13px; }
.topic-service-escalation { display: grid; grid-template-columns: auto 1fr; gap: 18px; align-items: center; max-width: 960px; margin: 18px auto 0; padding: 23px 26px; color: #fff; background: linear-gradient(135deg, #123d70, #0b63d8); border-radius: 16px; box-shadow: 0 14px 30px rgba(18,61,112,.13); }
.topic-service-escalation > span { padding: 7px 11px; color: #0c5ecb; background: #fff; border-radius: 999px; font-size: 12px; font-weight: 850; }
.topic-service-escalation h3 { margin: 0 0 5px; font-size: 19px; }
.topic-service-escalation p { margin: 0; color: rgba(255,255,255,.78); font-size: 14px; }

.topic-list { max-width: 900px; margin: 0 auto; padding: 0; list-style: none; display: grid; gap: 13px; }
.topic-list li { position: relative; padding: 15px 18px 15px 50px; color: #53667c; background: #fff; border: 1px solid var(--topic-line); border-radius: 13px; }
.topic-list li::before { content: "✓"; position: absolute; left: 18px; top: 14px; color: var(--topic-success); font-weight: 900; }

.topic-calculator-wrap { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; width: 100%; }
.topic-calculator { display: flex; flex-direction: column; min-width: 0; margin: 0; padding: 30px; background: linear-gradient(145deg, #102f58, #0d3f75); border: 1px solid rgba(255,255,255,.1); border-radius: 20px; box-shadow: var(--topic-shadow); color: #fff; }
.topic-calculator-head { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 22px; }
.topic-calculator-head > span { display: grid; flex: 0 0 42px; place-items: center; width: 42px; height: 42px; color: #fff; background: linear-gradient(135deg, var(--topic-primary), var(--topic-cyan)); border-radius: 12px; font-size: 13px; font-weight: 850; }
.topic-calculator-head h3 { margin: 0 0 4px; color: #fff; font-size: 21px; line-height: 1.4; }
.topic-calculator-head p { margin: 0; color: #c7d9ee; font-size: 13px; line-height: 1.65; }
.topic-calculator-grid { display: grid; gap: 14px; }
.topic-calculator-grid-direct { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.topic-calculator-grid-reverse { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.topic-field label { display: block; margin-bottom: 7px; color: #c9daf0; font-size: 13px; }
.topic-field input { width: 100%; height: 48px; padding: 0 13px; color: #18324e; background: #fff; border: 2px solid transparent; border-radius: 10px; font-size: 16px; outline: none; transition: border-color .2s, box-shadow .2s; }
.topic-field input:focus { border-color: #69cdf0; box-shadow: 0 0 0 3px rgba(105,205,240,.18); }
.topic-calc-button { width: 100%; min-height: 48px; margin-top: 16px; padding: 11px 18px; color: #0d4e94; background: #fff; border: 0; border-radius: 10px; font: inherit; font-weight: 800; cursor: pointer; transition: transform .2s, box-shadow .2s; }
.topic-calc-button:hover { transform: translateY(-1px); box-shadow: 0 9px 22px rgba(0,0,0,.15); }
.topic-result { min-height: 76px; margin-top: 16px; padding: 15px 16px; color: #dcecff; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.18); border-radius: 12px; line-height: 1.75; }
.topic-result strong { color: #9ee7ff; font-size: 20px; }
.topic-result.is-error { color: #fff1cf; border-color: rgba(255,207,112,.55); background: rgba(217,119,6,.18); }
.topic-calculator-help { margin: 15px 0 0; padding-top: 14px; color: #c7d9ee; border-top: 1px solid rgba(255,255,255,.14); font-size: 13px; line-height: 1.7; }
.topic-calculator-help strong { color: #fff; }

.topic-faq { width: 100%; max-width: none; margin: 0 auto; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); align-items: start; gap: 14px 16px; }
.topic-faq details { background: #fff; border: 1px solid var(--topic-line); border-radius: 14px; overflow: hidden; }
.topic-faq details:last-child:nth-child(odd) { grid-column: 1 / -1; }
.topic-faq summary { position: relative; display: flex; align-items: center; min-height: 64px; cursor: pointer; padding: 17px 54px 17px 20px; color: #1b3b5b; font-weight: 700; line-height: 1.55; list-style: none; }
.topic-faq summary::-webkit-details-marker { display: none; }
.topic-faq summary::after { content: "+"; position: absolute; right: 20px; top: 50%; color: var(--topic-primary); font-size: 26px; font-weight: 400; transform: translateY(-50%); }
.topic-faq details[open] summary::after { content: "−"; }
.topic-faq .topic-answer { padding: 0 20px 20px; color: #5d6e82; }

.topic-related { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 15px; }
.topic-related a { display: block; padding: 19px 20px; color: #20405f; background: #fff; border: 1px solid var(--topic-line); border-radius: 13px; font-weight: 650; }
.topic-related a::after { content: "→"; float: right; color: var(--topic-primary); }
.topic-related a:hover { border-color: #a9c9f4; box-shadow: 0 10px 25px rgba(11,99,246,.08); }

.topic-cta { padding: 68px 0; color: #fff; background: linear-gradient(120deg, #083f91, #0871e6 62%, #0ba5ce); }
.topic-cta .topic-container { display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.topic-cta h2 { margin: 0 0 10px; color: #fff; font-size: clamp(28px, 3vw, 40px); }
.topic-cta p { margin: 0; color: #dcecff; }
.topic-cta .topic-btn-light { flex: 0 0 auto; background: #fff; border-color: #fff; color: #0b5fc8; }

.site-footer { padding: 42px 0 88px; color: #b8c6d7; background: #0f2239; font-size: 14px; }
.site-footer a { color: #d8e7f7; }
.site-footer p { margin: 6px 0; }
.mobile-fixed { display: none; }

@media (max-width: 980px) {
  .site-slogan { display: none; }
  .topic-hero-grid { grid-template-columns: 1fr; gap: 34px; }
  .topic-quick { grid-template-columns: repeat(3, 1fr); }
  .topic-quick-item { grid-template-columns: 1fr; text-align: center; }
  .topic-quick-icon { margin: 0 auto; }
  .topic-grid-4 { grid-template-columns: repeat(2, 1fr); }
  .topic-settlement-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-price-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-product-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .topic-product-grid-home { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-type-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-choice-entry, .topic-choice-detail { grid-template-columns: 1fr; }
  .topic-choice-guide-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-choice-guide-grid > div:nth-child(3) { border-left: 0; border-top: 1px solid rgba(255,255,255,.16); }
  .topic-choice-guide-grid > div:nth-child(4) { border-top: 1px solid rgba(255,255,255,.16); }
  .topic-about { grid-template-columns: 1fr; }
  .topic-calculator-wrap { grid-template-columns: 1fr; }
  .topic-faq { grid-template-columns: 1fr; }
  .topic-faq details:last-child:nth-child(odd) { grid-column: auto; }
  .topic-personal-choice-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-merchant-function-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-merchant-fees { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-merchant-fees article, .topic-merchant-fees .topic-merchant-fee-key { grid-column: auto; }
  .topic-regulation-core { grid-template-columns: 1fr; }
  .topic-regulation-five { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-regulation-five article:last-child { grid-column: 1 / -1; }
  .topic-agent-check-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-agent-check-grid article, .topic-agent-check-grid article:nth-last-child(-n+2) { min-height: 0; grid-column: auto; }
  .topic-agent-check-grid article:last-child { grid-column: 1 / -1; }
  .topic-home-service-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-home-service-grid article { min-height: 0; }
  .topic-home-service-grid article:last-child { grid-column: 1 / -1; }
  .topic-home-process-flow { grid-template-columns: repeat(2, minmax(0, 1fr)); padding: 8px 20px; }
  .topic-home-process-flow::before { display: none; }
  .topic-home-process-flow article { padding: 28px 24px; }
  .topic-home-process-flow article + article { border-left: 0; }
  .topic-home-process-flow article:nth-child(even) { border-left: 1px solid #e0e9f3; }
  .topic-home-process-flow article:nth-child(n+3) { border-top: 1px solid #e0e9f3; }
  .topic-home-process-flow h3 { min-height: 0; }
  .topic-home-knowledge-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-product-type-overview { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-product-type-overview article, .topic-product-type-overview article:nth-last-child(-n+2) { min-height: 0; grid-column: auto; }
  .topic-product-type-overview article:last-child { grid-column: 1 / -1; }
  .topic-qr-option-grid { grid-template-columns: 1fr; }
  .topic-qr-option-grid article { min-height: 0; }
  .topic-qr-process { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .topic-qr-process article, .topic-qr-process article:nth-last-child(-n+2) { min-height: 0; grid-column: auto; }
  .topic-qr-process article:last-child { grid-column: 1 / -1; }
}

@media (max-width: 720px) {
  body { font-size: 15px; padding-bottom: 58px; }
  .topic-container { width: min(100% - 28px, 1180px); }
  .site-top { display: none; }
  .site-head .topic-container { min-height: 70px; gap: 12px; }
  .site-logo img { width: 160px; }
  .site-logo-new { width: 178px; height: 54px; }
  .site-logo-new img { width: 178px; }
  .site-phone { font-size: 0; }
  .site-phone a { font-size: 17px; }
  .site-nav { overflow-x: auto; }
  .site-nav ul { justify-content: flex-start; min-width: 440px; }
  .site-nav a { padding: 13px 21px; font-size: 14px; }
  .topic-preview-badge { font-size: 12px; }
  .topic-breadcrumb { padding: 13px 0; }
  .topic-hero { padding: 48px 0 45px; }
  .topic-hero h1 { font-size: 36px; }
  .topic-lead { font-size: 16px; }
  .topic-hero-actions .topic-btn { flex: 1 1 145px; }
  .topic-quick { grid-template-columns: 1fr; }
  .topic-quick-item { grid-template-columns: 42px 1fr; text-align: left; padding: 15px; }
  .topic-quick-icon { margin: 0; width: 42px; height: 42px; }
  .topic-section { padding: 52px 0; }
  .topic-section-head { margin-bottom: 26px; text-align: left; }
  .topic-section-subtitle { margin: -12px 0 24px; text-align: left; }
  .topic-subsection-head { margin: 34px 0 20px; text-align: left; }
  .topic-subsection-head h3 { font-size: 22px; }
  .topic-section h2 { font-size: 28px; }
  .topic-grid, .topic-grid-2, .topic-grid-4 { grid-template-columns: 1fr; }
  .topic-rate-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
  .topic-cost-more { grid-template-columns: 1fr; }
  .topic-rate-card { padding: 21px 12px 19px; border-radius: 14px; }
  .topic-rate-card h3 { min-height: 44px; margin-bottom: 10px; font-size: 15px; }
  .topic-rate-card p { margin-top: 9px; font-size: 13px; }
  .topic-rate-value { font-size: 27px; }
  .topic-rate-value-text { padding-top: 3px; font-size: 20px; }
  .topic-cost-grid { grid-template-columns: 1fr; gap: 12px; }
  .topic-cost-card { padding: 21px 18px 19px; }
  .topic-cost-check { grid-template-columns: 1fr; gap: 3px; }
  .topic-card { padding: 22px; }
  .topic-settlement-grid { grid-template-columns: 1fr; gap: 12px; }
  .topic-price-grid, .topic-fee-source-grid { grid-template-columns: 1fr; }
  .topic-price-grid article { min-height: 0; }
  .topic-free-reminder { grid-template-columns: 1fr; padding: 21px; }
  .topic-free-reminder span { justify-self: start; }
  .topic-settlement-grid h3, .topic-settlement-grid strong { min-height: 0; }
  .topic-step { grid-template-columns: 44px 1fr; gap: 14px; padding: 18px; }
  .topic-step-no { width: 44px; height: 44px; border-radius: 12px; }
  .topic-steps-grid { grid-template-columns: 1fr; gap: 12px; }
  .topic-steps-grid .topic-step { padding: 18px; }
  .topic-service-escalation { grid-template-columns: 1fr; padding: 20px; }
  .topic-service-escalation > span { justify-self: start; }
  .topic-calculator { padding: 22px 18px; }
  .topic-calculator-grid-direct, .topic-calculator-grid-reverse { grid-template-columns: 1fr; }
  .topic-related { grid-template-columns: 1fr; }
  .topic-category-strip { justify-content: flex-start; gap: 8px; }
  .topic-category-strip a { flex: 1 1 calc(50% - 8px); padding: 9px 12px; text-align: center; font-size: 13px; }
  .topic-product-grid, .topic-product-grid-home, .topic-type-grid { grid-template-columns: 1fr; }
  .topic-product-card { display: grid; grid-template-columns: 118px 1fr; }
  .topic-product-image, .topic-product-grid-home .topic-product-image { align-self: start; height: auto; min-height: 0; aspect-ratio: 4 / 3; border-right: 1px solid #edf1f5; border-bottom: 0; }
  .topic-product-body { padding: 15px; }
  .topic-product-body h3 { min-height: 0; font-size: 15px; }
  .topic-product-feature, .topic-product-scene { min-height: 0; }
  .topic-choice-path, .topic-choice-panel { padding: 22px; }
  .topic-choice-guide-head { display: block; padding: 18px; }
  .topic-choice-guide-head strong { display: block; margin-top: 5px; font-size: 16px; }
  .topic-choice-guide-grid > div { padding: 18px; }
  .topic-choice-guide-grid p { min-height: 70px; margin: 9px 0 10px; font-size: 13px; }
  .topic-choice-guide-grid strong { align-items: flex-start; font-size: 14px; }
  .topic-number-list { grid-template-columns: 1fr; }
  .topic-standards { grid-template-columns: repeat(2, 1fr); }
  .topic-inline-cta, .topic-about { grid-template-columns: 1fr; padding: 24px; }
  .topic-inline-cta .topic-btn, .topic-about .topic-btn { width: 100%; }
  .topic-product-directory { grid-template-columns: 1fr; gap: 7px; padding: 22px 66px 22px 21px; }
  .topic-product-directory strong { font-size: 18px; }
  .topic-personal-choice-grid, .topic-use-grid, .topic-apply-grid, .topic-reliability-grid { grid-template-columns: 1fr; gap: 12px; }
  .topic-personal-choice-grid article, .topic-use-grid article, .topic-apply-grid article, .topic-reliability-grid article { min-height: 0; }
  .topic-selection-summary { grid-template-columns: 1fr; gap: 7px; padding: 21px; }
  .topic-apply-grid article { grid-template-columns: 46px 1fr; gap: 14px; padding: 21px 19px; }
  .topic-apply-grid article > span { width: 46px; height: 46px; border-radius: 13px; }
  .topic-merchant-device-compare, .topic-merchant-function-grid, .topic-merchant-process, .topic-merchant-fees, .topic-merchant-reliable-grid, .topic-merchant-care-grid { grid-template-columns: 1fr; gap: 12px; }
  .topic-merchant-device-compare article, .topic-merchant-function-grid article, .topic-merchant-process article, .topic-merchant-fees article, .topic-merchant-fees .topic-merchant-fee-key, .topic-merchant-reliable-grid article, .topic-merchant-care-grid article { min-height: 0; grid-column: auto; }
  .topic-merchant-device-compare article { padding: 24px 21px; }
  .topic-merchant-decision { grid-template-columns: 1fr; gap: 7px; padding: 21px; }
  .topic-merchant-process article { grid-template-columns: 46px 1fr; gap: 14px; padding: 21px 19px; }
  .topic-merchant-process article > span { width: 46px; height: 46px; border-radius: 13px; }
  .topic-merchant-guide { grid-template-columns: 1fr; gap: 6px; padding: 21px 64px 21px 21px; }
  .topic-home-service-grid, .topic-home-check-grid, .topic-product-type-overview, .topic-product-check-grid { grid-template-columns: 1fr; gap: 12px; }
  .topic-home-service-grid article, .topic-home-service-grid article:last-child { grid-column: auto; padding: 24px 21px; }
  .topic-home-service-grid a { margin-top: 18px; padding-top: 0; }
  .topic-home-check-grid article { min-height: 0; grid-template-columns: 44px minmax(0, 1fr); column-gap: 14px; padding: 22px 19px; }
  .topic-home-check-grid article > span { width: 44px; height: 44px; border-radius: 12px; }
  .topic-home-process-intro { margin: -8px 0 24px; text-align: left; font-size: 15px; }
  .topic-home-process-flow { display: block; padding: 8px 19px; }
  .topic-home-process-flow article { display: grid; grid-template-columns: 48px minmax(0, 1fr); column-gap: 15px; padding: 22px 0; text-align: left; }
  .topic-home-process-flow article + article, .topic-home-process-flow article:nth-child(even), .topic-home-process-flow article:nth-child(n+3) { border-left: 0; border-top: 1px solid #e0e9f3; }
  .topic-home-process-flow article > span { grid-row: 1 / 3; width: 44px; height: 44px; margin: 0; border-width: 4px; }
  .topic-home-process-flow h3 { min-height: 0; margin: 1px 0 8px; font-size: 18px; }
  .topic-home-process-flow p { font-size: 14px; }
  .topic-home-knowledge-grid { grid-template-columns: 1fr; gap: 12px; }
  .topic-home-knowledge-grid article { min-height: 0; padding: 23px 20px; }
  .topic-home-knowledge-grid a { margin-top: 17px; padding-top: 0; }
  .topic-product-type-overview article, .topic-product-type-overview article:nth-last-child(-n+2), .topic-product-type-overview article:last-child { min-height: 0; grid-column: auto; padding: 23px 20px; }
  .topic-product-type-overview p { margin-top: 14px; padding-top: 0; }
  .topic-product-check-grid article { min-height: 0; padding: 23px 20px; }
  .topic-product-check-grid a { margin-top: 16px; padding-top: 0; }
  .topic-product-selection-route { grid-template-columns: 1fr; gap: 7px; padding: 21px; }
  .topic-qr-advantages .topic-card { min-height: 0; grid-template-columns: 44px minmax(0, 1fr); column-gap: 13px; padding: 21px 19px; }
  .topic-qr-advantages .topic-card .topic-number { min-width: 44px; width: 44px; height: 44px; border-radius: 12px; }
  .topic-qr-advantages .topic-card h3 { font-size: 17px; }
  .topic-qr-pos-compare, .topic-qr-qualification, .topic-qr-process, .topic-qr-limit-grid { grid-template-columns: 1fr; gap: 12px; }
  .topic-qr-pos-compare article { min-height: 0; padding: 25px 21px; }
  .topic-qr-pos-compare h3 { font-size: 22px; }
  .topic-qr-pos-compare p { margin-top: 18px; padding-top: 0; }
  .topic-qr-option-grid { gap: 12px; }
  .topic-qr-option-grid article { padding: 24px 20px; }
  .topic-qr-option-grid dl { margin-top: 18px; padding-top: 0; }
  .topic-qr-option-note { grid-template-columns: 1fr; gap: 9px; padding: 21px; }
  .topic-qr-option-note > span { justify-self: start; }
  .topic-qr-option-note a { margin-top: 5px; white-space: normal; }
  .topic-qr-qualification article { padding: 23px 20px; }
  .topic-qr-process article, .topic-qr-process article:nth-last-child(-n+2), .topic-qr-process article:last-child { min-height: 0; grid-column: auto; padding: 23px 20px; }
  .topic-qr-limit-grid article { min-height: 0; padding: 22px 19px 22px 70px; }
  .topic-qr-limit-grid span { left: 18px; top: 21px; }
  .topic-regular-foundation .topic-card { min-height: 0; }
  .topic-regular-concepts, .topic-regulation-five, .topic-agent-check-grid, .topic-regular-checklist { grid-template-columns: 1fr; gap: 12px; }
  .topic-regular-concepts article { min-height: 0; padding: 25px 21px; }
  .topic-regular-concepts h3 { font-size: 21px; }
  .topic-regular-concepts strong { margin-top: 18px; padding-top: 0; }
  .topic-regulation-core > div { padding: 24px 21px; }
  .topic-regulation-highlight strong { font-size: 22px; }
  .topic-regulation-label { display: block; margin-top: 25px; }
  .topic-regulation-label span { display: block; margin-top: 5px; }
  .topic-regulation-five article:last-child, .topic-agent-check-grid article:last-child, .topic-regular-checklist .topic-regular-check-wide { grid-column: auto; }
  .topic-regulation-five h3 { min-height: 0; }
  .topic-regulation-result { grid-template-columns: 1fr; padding: 20px; }
  .topic-regulation-result strong { justify-self: start; }
  .topic-agent-check-grid article { min-height: 0; padding: 23px 21px; }
  .topic-regular-checklist article { min-height: 0; grid-template-columns: 44px 1fr; gap: 14px; padding: 20px 18px; }
  .topic-regular-checklist article > span { width: 44px; height: 44px; border-radius: 12px; }
  .topic-cta { padding: 50px 0; }
  .topic-cta .topic-container { display: block; }
  .topic-cta .topic-btn { width: 100%; margin-top: 24px; }
  .site-footer { padding-bottom: 24px; }
  .mobile-fixed { position: fixed; z-index: 30; left: 0; right: 0; bottom: 0; display: grid; grid-template-columns: repeat(3, 1fr); min-height: 58px; background: #fff; border-top: 1px solid #e3eaf3; box-shadow: 0 -8px 30px rgba(28,59,96,.12); }
  .mobile-fixed a { display: grid; place-items: center; color: #214467; font-size: 13px; font-weight: 650; }
  .mobile-fixed a:first-child { color: #fff; background: var(--topic-primary); }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .topic-btn { transition: none; }
}