:root{--navy:#0d1c2d;--navy2:#162c43;--gold:#c79a3b;--gold2:#e8cc87;--bg:#f5f7fa;--card:#fff;--text:#172435;--muted:#68778b;--line:#dfe5ec;--green:#138a4b}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.65}a{color:#1557b0}
.top{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff}.wrap{width:min(1080px,calc(100% - 32px));margin:auto}.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-size:24px;font-weight:850;letter-spacing:.06em;color:var(--gold2)}.navlinks{display:flex;gap:18px;flex-wrap:wrap}.navlinks a{color:#e8edf4;text-decoration:none;font-size:14px}
.hero{padding:72px 0 84px}.hero h1{font-size:clamp(34px,6vw,62px);line-height:1.06;margin:0 0 18px;max-width:850px}.hero p{font-size:18px;color:#d8e0ea;max-width:760px;margin:0}.tag{display:inline-block;border:1px solid #d9b86455;color:#f3d997;border-radius:999px;padding:6px 12px;font-size:12px;font-weight:800;letter-spacing:.08em;margin-bottom:18px}
main{padding:34px 0 64px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card,.legal{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 10px 28px rgba(16,35,55,.05)}.card h3{margin:0 0 8px}.card p{margin:0;color:var(--muted)}.legal{padding:34px;margin-top:-42px;position:relative}.legal h1{font-size:38px;line-height:1.15;margin-top:0}.legal h2{font-size:22px;margin-top:32px;padding-top:8px}.legal h3{font-size:17px;margin-top:22px}.legal p,.legal li{color:#3d4a59}.note{background:#f7f2e5;border-left:4px solid var(--gold);padding:15px 17px;border-radius:8px}.good{background:#eaf7ef;border-left:4px solid var(--green);padding:15px 17px;border-radius:8px}
footer{background:#0a1725;color:#c7d0dc;padding:32px 0;font-size:13px}footer a{color:#f0d48f}.small{font-size:13px;color:var(--muted)}.links{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}.btn{display:inline-block;padding:11px 15px;border-radius:9px;background:var(--navy);color:#fff;text-decoration:none;font-weight:750}.btn.alt{background:#eef2f6;color:var(--text)}
@media(max-width:780px){.grid{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column;padding:18px 0}.hero{padding:46px 0 68px}.legal{padding:22px}.navlinks{gap:10px}}