:root{
--tm-yellow:#FFEB3B;
--tm-dark:#333;
--tm-light:#fff;
--tm-gray:#f7f7f7;
--tm-border:#e5e5e5;
--tm-radius:14px;
--tm-shadow:0 8px 24px rgba(0,0,0,.08);
}

.tm-container{max-width:1180px;margin:0 auto;padding:24px;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--tm-dark);line-height:1.7;background:#fff;}
.tm-benefits{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin-bottom:40px;}
.tm-benefit{background:#fff;padding:20px;border-radius:12px;box-shadow:var(--tm-shadow);border:1px solid rgba(0,0,0,.05);}
.tm-section{margin-bottom:52px;}
.tm-section h2{font-size:1.7rem;margin-bottom:20px;color:#111;font-weight:700;line-height:1.3;}
.tm-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px;}
.tm-card{background:var(--tm-light);padding:22px;border-radius:var(--tm-radius);box-shadow:var(--tm-shadow);border:1px solid var(--tm-border);}
.tm-highlight{background:#fff8c6;padding:18px 20px;border-radius:12px;margin-top:20px;}
.tm-table{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;box-shadow:var(--tm-shadow);}
.tm-table tr:nth-child(even){background:#fafafa;}
.tm-table td{padding:14px 18px;border-bottom:1px solid #eee;vertical-align:top;}
.tm-table td:first-child{font-weight:700;width:35%;}
.tm-faq details{background:#fff;border-radius:12px;padding:18px;margin-bottom:14px;box-shadow:var(--tm-shadow);border:1px solid #eee;}
.tm-faq summary{font-weight:700;cursor:pointer;}
.tm-cta{background:var(--tm-gray);padding:40px;border-radius:var(--tm-radius);text-align:center;box-shadow:var(--tm-shadow);}
.tm-btn{display:inline-block;margin-top:14px;padding:15px 28px;background:#111;color:#fff;text-decoration:none;border-radius:12px;font-weight:700;}
.tm-note{background:#fff8c6;padding:16px 18px;border-radius:12px;margin-top:20px;}