:root{--gold:#c08e1b;--gold-light:#e2b24a;--navy:#0b1220;--navy-2:#121c30;--ink:#1a2235;--muted:#5b6678;--line:#e6e9ef;--bg:#fff;--bg-soft:#f6f7fa;--blue:#1769e0;--radius:16px;--max:960px;--gutter:20px}
*{box-sizing:border-box}html,body{margin:0}
body{font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg);font-size:16px;line-height:1.6}
a{color:var(--blue)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
header.nav{background:var(--navy);padding:14px 0}header.nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px}
header.nav img{height:36px}header.nav a.home{color:#fff;text-decoration:none;font-weight:600;font-size:.95rem;opacity:.85}
.hero{background:linear-gradient(135deg,var(--navy-2),var(--navy));color:#fff;padding:64px 0 56px}
.hero .eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-light);margin-bottom:12px}
.hero h1{font-size:clamp(2rem,5vw,3.2rem);font-weight:800;margin:0 0 12px;line-height:1.1}
.hero p.lead{font-size:1.15rem;max-width:680px;color:rgba(255,255,255,.82);margin:0}
.section{padding:48px 0}.section.soft{background:var(--bg-soft)}
h2{font-size:clamp(1.5rem,3.5vw,2.1rem);font-weight:800;margin:0 0 16px}h3{font-size:1.1rem;font-weight:700;margin:28px 0 8px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin-top:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.card strong{display:block;margin-bottom:6px}
ol,ul{padding-left:22px}li{margin:6px 0}
.muted{color:var(--muted)}
footer{background:var(--navy);color:rgba(255,255,255,.75);padding:28px 0;font-size:.9rem}
footer .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}footer a{color:#fff}
.policy p,.policy li{max-width:760px}
@media(max-width:600px){.hero{padding:44px 0 40px}}