:root{--navy:#142638;--blue:#1f5f8b;--sky:#eaf2f7;--ink:#243341;--muted:#647482;--line:#d9e1e6;--white:#fff;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font-family:Arial,Helvetica,sans-serif;line-height:1.65}a{color:var(--blue)}
.top{background:var(--navy);color:#fff}.bar{width:min(var(--max),calc(100% - 40px));margin:auto;display:flex;align-items:center;justify-content:space-between;min-height:82px;gap:30px}.brand{color:#fff;text-decoration:none;font-size:15px;font-weight:700;line-height:1.25;max-width:360px}.nav{display:flex;gap:22px;flex-wrap:wrap}.nav a{color:#dce8ef;text-decoration:none;font-size:14px}.nav a:hover,.nav a[aria-current=page]{color:#fff;text-decoration:underline;text-underline-offset:7px}
.hero{background:linear-gradient(120deg,#edf4f8,#fff);border-bottom:1px solid var(--line);padding:90px 0}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.eyebrow{color:var(--blue);font-size:13px;font-weight:700;letter-spacing:.11em;text-transform:uppercase}.hero h1{color:var(--navy);max-width:830px;font-size:clamp(36px,5vw,62px);line-height:1.1;margin:14px 0 24px;letter-spacing:-.025em}.hero p{max-width:760px;font-size:19px;color:#4c5e6c}.actions{display:flex;gap:12px;margin-top:30px}.btn{display:inline-block;padding:12px 19px;border-radius:4px;text-decoration:none;font-weight:700}.primary{background:var(--blue);color:#fff}.secondary{border:1px solid #aab9c3;color:var(--navy);background:#fff}
main section{padding:72px 0}.soft{background:var(--sky)}h2{color:var(--navy);font-size:34px;line-height:1.2;margin:0 0 20px}h3{color:var(--navy);margin-top:0}.lead{font-size:19px;max-width:830px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{background:#fff;border:1px solid var(--line);border-radius:6px;padding:28px}.card p{color:var(--muted)}.two{display:grid;grid-template-columns:1.4fr .8fr;gap:55px}.facts{background:var(--navy);color:#e6eef3;padding:30px;border-radius:6px}.facts strong{display:block;color:#fff}.facts div+div{margin-top:18px;padding-top:18px;border-top:1px solid #3b4e5e}.prose{max-width:850px}.prose h2,.prose h3{margin-top:35px}.notice{padding:20px;border-left:4px solid var(--blue);background:var(--sky)}
.footer{background:#101f2c;color:#cdd9e1;padding:45px 0}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:35px}.footer a{color:#fff}.legal-links{display:flex;gap:15px;flex-wrap:wrap}.small{font-size:13px;color:#9eafbb;margin-top:32px;padding-top:22px;border-top:1px solid #304250}
@media(max-width:850px){.bar{align-items:flex-start;flex-direction:column;padding:22px 0}.nav{gap:13px}.grid,.two,.footer-grid{grid-template-columns:1fr}.hero{padding:60px 0}.hero h1{font-size:38px}}