:root{--ink:#1d2733;--muted:#5b6b7b;--brand:#1f5fa8;--brand-dark:#174a84;--bg:#f6f8fb;--card:#fff;--line:#e3e8ee;--max:1040px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-weight:700;font-size:1.1rem;color:var(--ink);text-decoration:none;letter-spacing:.2px}
.logo span{color:var(--brand)}
nav a{margin-left:18px;text-decoration:none;color:var(--muted);font-weight:500}
nav a:hover{color:var(--brand)}
.hero{background:linear-gradient(135deg,#153a66 0%,#1f5fa8 60%,#2d7bd3 100%);color:#fff;padding:72px 0 64px}
.hero h1{font-size:2.3rem;line-height:1.15;margin:0 0 12px}
.hero p{font-size:1.15rem;max-width:620px;margin:0 0 26px;opacity:.95}
.btn{display:inline-block;padding:12px 22px;border-radius:8px;background:#fff;color:var(--brand-dark);font-weight:600;text-decoration:none}
.btn.secondary{background:transparent;border:2px solid rgba(255,255,255,.8);color:#fff;margin-left:10px}
.btn.primary{background:var(--brand);color:#fff}
section{padding:52px 0}
section h2{font-size:1.6rem;margin:0 0 18px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px}
.card h3{margin:0 0 8px;font-size:1.1rem}
.card p{margin:0;color:var(--muted)}
.contact{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.contact .card p{color:var(--ink)}
footer{border-top:1px solid var(--line);padding:26px 0;color:var(--muted);font-size:.92rem;background:#fff}
footer a{color:var(--muted)}
.policy p,.policy li{color:var(--ink)}
.policy h2{margin-top:34px;font-size:1.25rem}
.notice{background:#eef4fb;border-left:4px solid var(--brand);padding:14px 18px;border-radius:8px}
@media (max-width:640px){.hero h1{font-size:1.8rem}nav a{margin-left:12px;font-size:.95rem}.btn.secondary{margin:10px 0 0}}