:root{
  --navy:#061f55;
  --navy-2:#0b3276;
  --gold:#e8b42d;
  --gold-light:#ffe08a;
  --ink:#172033;
  --muted:#637083;
  --paper:#ffffff;
  --wash:#f4f7fb;
  --line:#dfe6f0;
  --danger:#a32020;
  --shadow:0 18px 50px rgba(6,31,85,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}
a{color:inherit}
.container{width:min(1120px,calc(100% - 36px));margin:auto}
header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid rgba(223,230,240,.9)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;font-weight:800;color:var(--navy)}
.brand img{width:52px;height:52px;border-radius:14px;object-fit:cover;box-shadow:0 8px 22px rgba(6,31,85,.18)}
.brand span small{display:block;color:var(--muted);font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700}
nav{display:flex;align-items:center;gap:22px}
nav a{text-decoration:none;font-weight:650;font-size:.95rem;color:#344057}
nav a:hover,nav a.active{color:var(--navy)}
.menu-btn{display:none;border:0;background:var(--wash);border-radius:10px;padding:10px 12px;font-size:1.2rem}
.hero{overflow:hidden;background:radial-gradient(circle at 85% 10%,rgba(232,180,45,.24),transparent 24%),linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:88px 0 80px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 12px;border:1px solid rgba(255,255,255,.26);border-radius:999px;background:rgba(255,255,255,.08);font-size:.82rem;font-weight:750;letter-spacing:.06em;text-transform:uppercase}
h1{font-size:clamp(2.3rem,5vw,4.8rem);line-height:1.04;margin:20px 0 22px;letter-spacing:-.045em}
.hero p{font-size:1.12rem;color:#e8eefb;max-width:670px}
.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 20px;border-radius:12px;text-decoration:none;font-weight:800;border:1px solid transparent}
.btn-gold{background:var(--gold);color:#17120a;box-shadow:0 9px 24px rgba(232,180,45,.28)}
.btn-outline{border-color:rgba(255,255,255,.4);color:#fff;background:rgba(255,255,255,.06)}
.hero-logo{width:min(410px,100%);margin:auto;display:block;border-radius:30px;box-shadow:0 28px 70px rgba(0,0,0,.3);transform:rotate(1deg)}
section{padding:78px 0}
.section-head{max-width:760px;margin-bottom:34px}
.kicker{color:#9c6f00;font-size:.82rem;font-weight:850;letter-spacing:.14em;text-transform:uppercase}
h2{font-size:clamp(1.8rem,3.7vw,3rem);line-height:1.12;letter-spacing:-.035em;margin:10px 0 14px;color:var(--navy)}
.lead{font-size:1.07rem;color:var(--muted)}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:0 10px 32px rgba(6,31,85,.055)}
.card .icon{width:46px;height:46px;display:grid;place-items:center;border-radius:13px;background:#fff5d5;color:#8a6100;font-size:1.35rem;margin-bottom:18px}
.card h3{margin:0 0 9px;color:var(--navy);font-size:1.15rem}
.card p{margin:0;color:var(--muted)}
.alt{background:var(--wash)}
.feature{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
.panel{background:linear-gradient(145deg,#fff,#f7f9fd);border:1px solid var(--line);border-radius:24px;padding:34px;box-shadow:var(--shadow)}
.checks{display:grid;gap:14px;margin:24px 0 0;padding:0;list-style:none}
.checks li{display:flex;gap:12px;align-items:flex-start}
.checks li:before{content:"✓";width:24px;height:24px;flex:0 0 24px;display:grid;place-items:center;border-radius:50%;background:#fff0bd;color:#7d5900;font-weight:900}
.notice{border-left:4px solid var(--gold);background:#fff9e7;padding:18px 20px;border-radius:0 12px 12px 0;color:#5b4a1d}
.contact-box{background:linear-gradient(135deg,var(--navy),#0a3c8c);color:#fff;border-radius:26px;padding:38px;display:grid;grid-template-columns:1fr auto;gap:26px;align-items:center;box-shadow:var(--shadow)}
.contact-box h2{color:#fff;margin-top:0}
.contact-box p{color:#e3ebfa;margin-bottom:0}
.address{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);padding:20px;border-radius:16px;min-width:320px}
footer{background:#03153b;color:#cbd6eb;padding:42px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:34px}
footer h4{color:#fff;margin:0 0 12px}
footer a{display:block;color:#cbd6eb;text-decoration:none;margin:7px 0}
.copyright{border-top:1px solid rgba(255,255,255,.14);margin-top:30px;padding-top:20px;font-size:.88rem;color:#9fb0cd}
.legal-hero{background:linear-gradient(135deg,var(--navy),#0d397e);color:#fff;padding:64px 0}
.legal-hero h1{font-size:clamp(2.2rem,5vw,4rem);margin-bottom:14px}
.legal-hero p{color:#dbe5f8;max-width:760px}
.legal-wrap{display:grid;grid-template-columns:280px 1fr;gap:38px;align-items:start;padding:58px 0 90px}
.toc{position:sticky;top:100px;border:1px solid var(--line);border-radius:16px;padding:20px;background:var(--wash)}
.toc strong{display:block;color:var(--navy);margin-bottom:10px}
.toc a{display:block;text-decoration:none;color:#536176;padding:6px 0;font-size:.92rem}
.legal-content{max-width:820px}
.legal-content h2{font-size:1.55rem;margin-top:44px;padding-top:8px}
.legal-content h3{color:var(--navy);margin-top:25px}
.legal-content li{margin:7px 0}
.meta{font-size:.9rem;color:var(--muted)}
.warning{background:#fff1f1;border:1px solid #f0caca;color:#6d1c1c;border-radius:14px;padding:18px}
@media(max-width:900px){
  .hero-grid,.feature{grid-template-columns:1fr}.hero-logo{max-width:330px}.grid-4{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:1fr}.contact-box{grid-template-columns:1fr}.address{min-width:0}.legal-wrap{grid-template-columns:1fr}.toc{position:static}.footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:700px){
  .menu-btn{display:block}nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;padding:18px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}nav.open{display:flex}.grid-4{grid-template-columns:1fr}.hero{padding:62px 0}.hero-grid{gap:38px}.footer-grid{grid-template-columns:1fr}.brand span{font-size:.9rem}section{padding:60px 0}
}