:root{--navy:#102235;--gold:#b67a17;--ink:#18212b;--muted:#5f6b76;--line:#dbe2e8;--soft:#f5f7f9}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.65}a{color:#0a5f93}.wrap{max-width:1000px;margin:auto;padding:0 22px}.top{border-bottom:1px solid var(--line);background:#fff}.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{font-size:26px;font-weight:800;color:var(--navy);text-decoration:none}.links{display:flex;flex-wrap:wrap;gap:14px;font-size:14px}.links a{text-decoration:none;color:var(--ink)}.hero{padding:64px 0 48px;background:linear-gradient(135deg,#f7f9fb,#fff7e7)}.eyebrow{font-weight:700;color:#7c520d;text-transform:uppercase;letter-spacing:.08em;font-size:13px}h1{font-size:clamp(34px,5vw,54px);line-height:1.08;margin:12px 0 18px;color:var(--navy)}h2{font-size:30px;line-height:1.2;color:var(--navy);margin-top:44px}h3{color:var(--navy)}.lead{font-size:20px;max-width:780px}.notice{background:#fff7e7;border:1px solid #edd4a9;border-radius:12px;padding:16px 18px;margin:24px 0}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}.btn{display:inline-block;padding:12px 18px;border-radius:9px;text-decoration:none;font-weight:700}.primary{background:var(--navy);color:#fff}.secondary{background:#fff;border:1px solid var(--navy);color:var(--navy)}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px}.card{border:1px solid var(--line);border-radius:14px;padding:22px;background:#fff}main{padding:36px 0 64px}.facts{background:var(--soft);padding:24px;border-radius:14px}.faq details{border-top:1px solid var(--line);padding:16px 0}.faq summary{font-weight:700;cursor:pointer;color:var(--navy)}footer{border-top:1px solid var(--line);background:var(--soft);padding:28px 0;color:var(--muted);font-size:14px}.small{font-size:14px;color:var(--muted)}ul{padding-left:22px}@media(max-width:700px){.nav{align-items:flex-start;flex-direction:column;padding:16px 0}.hero{padding-top:42px}.links{gap:10px}}