:root{--ink:#17324d;--blue:#1d5f8a;--light:#f4f8fb;--line:#d9e4ec;--white:#fff}
*{box-sizing:border-box} body{margin:0;font-family:Arial,Helvetica,sans-serif;color:#243746;line-height:1.6;background:#fff}
header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0}
.wrap{max-width:1040px;margin:auto;padding:0 22px}.nav{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:16px 0}
.brand{font-weight:800;color:var(--ink);font-size:1.15rem}.nav a{color:var(--ink);text-decoration:none;margin-left:18px}
.hero{background:var(--light);padding:70px 0}.hero h1{font-size:clamp(2rem,5vw,3.6rem);line-height:1.08;color:var(--ink);max-width:800px;margin:0 0 18px}
.hero p{font-size:1.15rem;max-width:760px}.btn{display:inline-block;background:var(--blue);color:white;text-decoration:none;padding:13px 20px;border-radius:8px;font-weight:700;margin-top:12px}
section{padding:52px 0}h2{color:var(--ink);font-size:1.8rem}.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px}
.card{border:1px solid var(--line);border-radius:10px;padding:22px;background:#fff}
.notice{background:#f7f7f7;border-left:4px solid #789;padding:18px;margin:24px 0;font-size:.93rem}
footer{background:#12283b;color:#eaf1f6;padding:34px 0;margin-top:30px}footer a{color:#fff}
.small{font-size:.9rem}.legal h1{color:var(--ink)}.legal{max-width:850px;margin:auto;padding:50px 22px}
@media(max-width:650px){.nav{align-items:flex-start;flex-direction:column}.nav a{margin:0 14px 0 0}}