:root{--navy:#102f50;--blue:#174e80;--gold:#d4a72c;--ink:#152233;--muted:#66778a;--paper:#f6f8fb;--white:#fff;--line:#dfe6ee}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6}a{color:inherit}.nav{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line)}.navin{max-width:1120px;margin:auto;padding:14px 22px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-weight:900;letter-spacing:.2px;color:var(--navy);font-size:21px;text-decoration:none}.links{display:flex;gap:18px;align-items:center;font-size:14px}.links a{text-decoration:none;color:#415166}.hero{background:linear-gradient(135deg,#102f50,#174e80);color:#fff;padding:86px 22px 74px}.wrap{max-width:1120px;margin:auto}.hero h1{font-size:clamp(38px,7vw,72px);line-height:1.02;margin:0 0 18px;letter-spacing:-2px}.hero p{max-width:760px;font-size:clamp(17px,2vw,21px);color:#e5edf6;margin:0}.badge{display:inline-block;border:1px solid rgba(255,255,255,.3);border-radius:999px;padding:6px 12px;margin-bottom:20px;font-size:13px}.section{padding:64px 22px}.section h2{font-size:32px;color:var(--navy);margin:0 0 12px}.lead{color:var(--muted);max-width:780px;margin:0 0 30px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 7px 22px rgba(16,47,80,.05)}.card h3{margin:8px 0;color:var(--navy)}.ico{font-size:27px}.note{background:#eef4fa;border-left:4px solid var(--blue);padding:18px 20px;border-radius:10px}.footer{border-top:1px solid var(--line);padding:28px 22px;background:#fff;color:#647486;font-size:14px}.footerin{max-width:1120px;margin:auto;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}.legal{max-width:860px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:18px;padding:34px}.legal h1{color:var(--navy);font-size:36px;margin-top:0}.legal h2{color:var(--navy);margin-top:30px;font-size:21px}.legal p,.legal li{color:#3e4d5e}.legal .date{color:var(--muted);font-size:14px}@media(max-width:760px){.grid{grid-template-columns:1fr}.links a.hide-sm{display:none}.hero{padding-top:62px}.section{padding:46px 18px}.legal{padding:24px 19px;border-radius:0;border-left:0;border-right:0}.navin{padding:12px 16px}}