:root{
  --navy:#102a43; --blue:#1f5f8b; --light:#f4f7fa; --text:#243b53;
  --muted:#627d98; --white:#fff; --border:#d9e2ec;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.6}
a{color:var(--blue)}
.wrap{width:min(1120px,92%);margin:auto}
header{background:var(--navy);color:#fff}
.topbar{display:flex;justify-content:space-between;align-items:center;padding:20px 0;gap:25px}
.brand{font-size:1.65rem;font-weight:700;letter-spacing:.3px;color:#fff;text-decoration:none}
nav{display:flex;gap:22px;flex-wrap:wrap}
nav a{color:#fff;text-decoration:none;font-weight:600}
.hero{background:linear-gradient(135deg,#102a43,#1f5f8b);color:#fff;padding:76px 0}
.hero h1{font-size:clamp(2.2rem,5vw,4rem);line-height:1.05;margin:0 0 18px}
.hero p{font-size:1.2rem;max-width:760px;margin:0 0 28px}
.button{display:inline-block;background:#fff;color:var(--navy);text-decoration:none;font-weight:700;padding:12px 18px;border-radius:7px;margin-right:10px}
section{padding:58px 0}
.alt{background:var(--light)}
h1,h2,h3{line-height:1.2;color:var(--navy)}
.hero h1{color:#fff}
h2{font-size:2rem;margin-top:0}
.cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.card{border:1px solid var(--border);border-radius:10px;padding:28px;background:#fff}
.card h3{margin-top:0}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:30px}
.policy{max-width:900px}
.policy h2{margin-top:38px;font-size:1.45rem}
.notice{background:#edf5fb;border-left:4px solid var(--blue);padding:16px 18px;border-radius:4px}
footer{background:#0b1f33;color:#d9e2ec;padding:34px 0}
footer a{color:#fff}
.footer-row{display:flex;justify-content:space-between;gap:25px;flex-wrap:wrap}
.small{font-size:.92rem;color:var(--muted)}
footer .small{color:#bcccdc}
@media(max-width:720px){
  .topbar{align-items:flex-start;flex-direction:column}
  .cards,.contact-grid{grid-template-columns:1fr}
  .hero{padding:55px 0}
}