:root{
  --navy:#071f45;--blue:#123d76;--ink:#162235;--muted:#5f6b7a;--paper:#f6f8fb;
  --line:#dfe5ec;--white:#fff;--red:#d71f32;--shadow:0 16px 40px rgba(7,31,69,.10)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.6}
a{color:var(--blue)}.wrap{width:min(1120px,calc(100% - 32px));margin:auto}
.top{background:var(--navy);color:#fff}.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:18px 0}
.brand{font-weight:800;letter-spacing:.01em;color:#fff;text-decoration:none;font-size:1.15rem}.brand span{font-weight:500}
.nav{display:flex;gap:18px;flex-wrap:wrap}.nav a{color:#fff;text-decoration:none;font-size:.95rem;opacity:.9}.nav a:hover{opacity:1}
.tricolor{height:4px;background:linear-gradient(90deg,#164f9c 0 33.33%,#fff 33.33% 66.66%,#d71f32 66.66% 100%)}
.hero{padding:78px 0 60px;background:linear-gradient(135deg,#081f45 0%,#103967 58%,#17385a 100%);color:#fff}
.kicker{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:800;opacity:.8}
h1{font-size:clamp(2.35rem,7vw,5.4rem);line-height:.95;letter-spacing:-.045em;margin:.25em 0 .28em}h2{font-size:clamp(1.6rem,3vw,2.4rem);line-height:1.15;letter-spacing:-.025em;margin:0 0 .6em}
.lead{font-size:clamp(1.1rem,2vw,1.35rem);max-width:760px;opacity:.94}.tagline{font-weight:800;letter-spacing:.02em}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;padding:12px 18px;border-radius:12px;text-decoration:none;font-weight:750}.btn.primary{background:#fff;color:var(--navy)}.btn.ghost{border:1px solid rgba(255,255,255,.45);color:#fff}
main{padding:46px 0 70px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:var(--shadow)}.card h3{margin:.1em 0 .4em;color:var(--navy)}.card p{color:var(--muted)}
.prose{background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(24px,5vw,52px);box-shadow:var(--shadow)}.prose h1{font-size:clamp(2rem,5vw,3.4rem);color:var(--navy);line-height:1.05;margin-top:0}.prose h2{margin-top:1.7em;color:var(--navy)}.prose h3{margin-top:1.4em;color:var(--navy)}.prose p,.prose li{max-width:840px}.notice{background:#eef4fb;border-left:4px solid var(--blue);padding:16px 18px;border-radius:8px;margin:20px 0}.warning{background:#fff5e6;border-left-color:#b26a00}
footer{background:#061936;color:#dbe6f5;padding:34px 0}.footer-grid{display:flex;gap:24px;justify-content:space-between;flex-wrap:wrap}.footer-links{display:flex;gap:16px;flex-wrap:wrap}.footer-links a{color:#fff}
.small{font-size:.9rem;color:var(--muted)}footer .small{color:#b8c7db}
@media(max-width:820px){.grid{grid-template-columns:1fr}.top .wrap{align-items:flex-start;flex-direction:column}.hero{padding-top:56px}.nav{gap:12px}}