:root{--ink:#12202b;--muted:#5e6b75;--blue:#0e5a8a;--blue2:#083b5c;--ice:#edf6fa;--line:#dce6eb;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--white);line-height:1.65}a{color:var(--blue)}header{position:sticky;top:0;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);z-index:2}.nav{max-width:1080px;margin:auto;padding:16px 24px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-weight:800;text-decoration:none;color:var(--ink);letter-spacing:.02em}.nav-links{display:flex;gap:20px;flex-wrap:wrap}.nav-links a{text-decoration:none;font-weight:700;font-size:.94rem}.hero{background:linear-gradient(135deg,var(--blue2),var(--blue));color:#fff;padding:72px 24px}.hero-inner{max-width:1080px;margin:auto;display:grid;grid-template-columns:1.4fr .6fr;gap:48px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:800;color:#bfe6f7}.hero h1{font-size:clamp(2.25rem,6vw,4.7rem);line-height:1.02;margin:12px 0 20px;max-width:760px}.hero p{font-size:1.16rem;max-width:650px;margin:0;color:#e4f4fb}.badge{border:1px solid rgba(255,255,255,.35);border-radius:22px;padding:28px;background:rgba(255,255,255,.08)}.badge strong{display:block;font-size:1.35rem;margin-bottom:8px}.section{max-width:1080px;margin:auto;padding:64px 24px}.section h2{font-size:clamp(1.8rem,4vw,2.8rem);line-height:1.15;margin:0 0 16px}.section-intro{color:var(--muted);max-width:720px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:32px}.card{border:1px solid var(--line);border-radius:18px;padding:24px;background:#fff;box-shadow:0 8px 24px rgba(13,55,79,.06)}.card h3{margin:0 0 8px;color:var(--blue2)}.trust{background:var(--ice)}.legal{max-width:820px}.legal h1{font-size:clamp(2.1rem,5vw,3.6rem);line-height:1.08}.legal h2{font-size:1.35rem;margin-top:34px}.legal p,.legal li{color:#33444f}.notice{border-left:5px solid var(--blue);background:var(--ice);padding:16px 18px;border-radius:8px;margin:24px 0}footer{background:#0b2638;color:#d9edf6;padding:28px 24px}.footer-inner{max-width:1080px;margin:auto;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}footer a{color:#fff}@media(max-width:760px){.nav{align-items:flex-start;flex-direction:column;gap:8px}.hero{padding:54px 20px}.hero-inner{grid-template-columns:1fr;gap:26px}.cards{grid-template-columns:1fr}.section{padding:48px 20px}.nav-links{gap:14px}}