:root{--navy:#12304f;--gold:#c8a04b;--bg:#f6f8fb;--text:#1f2937;--muted:#667085;--line:#e5e7eb}
*{box-sizing:border-box}body{margin:0;font-family:Tahoma,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.8}
a{text-decoration:none;color:inherit}.container{width:min(1100px,92%);margin:auto}
.top{background:var(--navy);color:#fff;padding:8px 0;font-size:14px}.top .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
nav{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0}
.brand{font-weight:800;color:var(--navy)}.links{display:flex;gap:18px;flex-wrap:wrap;font-weight:700}
.hero{padding:72px 0;background:linear-gradient(135deg,#fff,#edf3f9)}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:36px;align-items:center}
h1,h2,h3{color:var(--navy)}h1{font-size:clamp(2rem,5vw,4rem);line-height:1.25}.lead{font-size:1.12rem;color:#475467}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 10px 25px rgba(18,48,79,.07)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.section{padding:60px 0}.section.white{background:#fff}
.details{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.detail{background:#fff;border:1px solid var(--line);padding:18px;border-radius:14px}
.detail span{display:block;color:var(--muted);font-size:13px}.detail b{color:var(--navy)}
.btn{display:inline-block;background:var(--navy);color:#fff;padding:11px 18px;border-radius:10px;font-weight:700;margin-top:14px}
.footer{background:#0b1f35;color:#dbe4ef;padding:32px 0}.footer-grid{display:grid;grid-template-columns:1.3fr .7fr .7fr;gap:28px}.footer h4{color:#fff}.footer a{display:block;margin:5px 0}
.legal{max-width:900px}.notice{background:#fff7df;border:1px solid #ead59a;padding:14px;border-radius:12px;color:#6b551e}
@media(max-width:820px){.hero-grid,.grid,.details,.footer-grid{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column}}