:root{--navy:#0d2b45;--blue:#2f9ed6;--orange:#ff8a00;--bg:#f5f8fb;--text:#263442;--muted:#667788;--card:#fff;--border:#dfe7ee}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.7}header{background:#fff;border-bottom:1px solid var(--border)}.wrap{width:min(960px,calc(100% - 32px));margin:0 auto}.nav{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{text-decoration:none;font-weight:800;color:var(--navy);font-size:1.35rem}.brand span{color:var(--blue)}nav a{color:var(--navy);text-decoration:none;margin-left:18px;font-weight:600}nav a:hover{color:var(--blue)}.hero{padding:80px 0 60px;text-align:center}.hero h1{font-size:clamp(2.2rem,6vw,4rem);line-height:1.1;color:var(--navy);margin:0 0 18px}.hero p{max-width:720px;margin:0 auto 26px;color:var(--muted);font-size:1.1rem}.badge{display:inline-block;padding:7px 12px;background:#eaf6fc;color:#1776a5;border-radius:999px;font-weight:700;margin-bottom:18px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;padding-bottom:70px}.card{display:block;background:var(--card);color:inherit;text-decoration:none;border:1px solid var(--border);border-radius:16px;padding:25px;box-shadow:0 8px 28px rgba(13,43,69,.05)}.card:hover{transform:translateY(-2px)}.card h2{color:var(--navy);font-size:1.2rem;margin:0 0 8px}.card p{margin:0;color:var(--muted)}main.legal{background:#fff;max-width:900px;margin:38px auto;padding:38px;border:1px solid var(--border);border-radius:16px;box-shadow:0 8px 28px rgba(13,43,69,.05)}.legal h1{color:var(--navy);line-height:1.2}.legal h2{color:var(--navy);margin-top:32px;line-height:1.3}.legal a{color:#167fb5}.notice{background:#fff4e5;border-left:4px solid var(--orange);padding:16px 18px;border-radius:8px;margin:20px 0}.small{font-size:.94rem;color:var(--muted)}footer{padding:28px 0 36px;color:var(--muted);text-align:center;font-size:.92rem}footer a{color:var(--muted)}@media(max-width:760px){.nav{align-items:flex-start;flex-direction:column;padding:18px 0}nav a{margin:0 15px 0 0}.grid{grid-template-columns:1fr}main.legal{margin:20px 16px;padding:24px}.hero{padding-top:55px}}