:root{--navy:#07182f;--blue:#0b4a84;--sky:#eaf4ff;--gold:#f2b705;--orange:#ef7d00;--text:#18202a;--muted:#5b6672;--white:#fff;--line:#dce5ef;--green:#0b7a53}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#f7f9fc;line-height:1.65}
a{color:var(--blue)}.wrap{max-width:1180px;margin:auto;padding:0 22px}
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;box-shadow:0 3px 16px #0004}
.top{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:20px}.brand{font-size:22px;font-weight:800}.brand a{color:#fff;text-decoration:none}
nav{display:flex;gap:16px;flex-wrap:wrap}nav a{color:#fff;text-decoration:none;font-size:14px;font-weight:700}
.hero{background:linear-gradient(125deg,#061426,#0b4a84 65%,#1581c5);color:#fff;padding:78px 0 70px}.hero-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:34px;align-items:center}
.eyebrow{display:inline-block;background:#ffffff18;border:1px solid #ffffff4a;padding:7px 13px;border-radius:99px;font-weight:700}
h1{font-size:46px;line-height:1.08;margin:16px 0 18px}.hero p{font-size:18px;max-width:820px}.hero-card{background:#ffffff12;border:1px solid #ffffff36;border-radius:20px;padding:24px}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.btn{display:inline-block;padding:13px 20px;border-radius:10px;text-decoration:none;font-weight:800;border:0;cursor:pointer}
.btn-primary{background:var(--gold);color:#171717}.btn-light{background:#fff;color:var(--navy)}main section{padding:55px 0}.white{background:#fff}.soft{background:var(--sky)}
h2{font-size:33px;line-height:1.2;color:var(--navy);margin:0 0 18px}h3{font-size:22px;color:var(--blue);margin:24px 0 8px}.lead{font-size:18px;color:#334253;max-width:930px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 8px 25px #18304a0d}.card h3{margin-top:0}
.notice{border-left:5px solid var(--orange);background:#fff8e9;padding:18px 20px;border-radius:10px}
table{width:100%;border-collapse:collapse;background:#fff;margin:18px 0}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:var(--navy);color:#fff}
ul{padding-left:22px}.small{font-size:13px;color:var(--muted)}.breadcrumbs{font-size:13px;margin-bottom:16px}
footer{background:#061426;color:#d7e4f2;padding:38px 0}footer a{color:#fff}
.floating{position:fixed;right:18px;bottom:18px;display:flex;flex-direction:column;gap:10px;z-index:50}.floating a{padding:12px 16px;border-radius:999px;text-decoration:none;font-weight:800;box-shadow:0 6px 18px #0003}.wa{background:#25d366;color:#071}.quote{background:var(--gold);color:#111}
form{display:grid;gap:12px}.field{padding:12px;border:1px solid var(--line);border-radius:9px;width:100%}
@media(max-width:850px){.hero-grid,.grid,.grid-2{grid-template-columns:1fr}h1{font-size:35px}nav{display:none}}