:root{
  --navy:#071b33; --navy2:#0d2b4d; --blue:#1263a3; --gold:#d79b2b;
  --ice:#f4f7fb; --line:#d9e3ee; --ink:#17212c; --muted:#617080; --white:#fff;
}
*{box-sizing:border-box}
body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:inherit;text-decoration:none}
.container{max-width:1180px;margin:0 auto;padding:0 24px}
.topbar{background:#061526;color:#dbe7f4;font-size:.92rem}
.topbar .container{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;padding:9px 24px}
.header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);z-index:10;border-bottom:1px solid var(--line)}
.header .container{display:flex;justify-content:space-between;align-items:center;gap:24px;padding:16px 24px}
.logo{display:flex;align-items:center;gap:12px;font-weight:900;color:var(--navy);letter-spacing:.2px;font-size:1.24rem}
.logo span:first-child{width:46px;height:46px;display:grid;place-items:center;background:linear-gradient(135deg,var(--gold),#f0c067);color:#091a2f;border-radius:12px;font-weight:950}
nav{display:flex;gap:20px;flex-wrap:wrap}
nav a{font-weight:800;color:var(--navy);font-size:.95rem}
nav a:hover{color:var(--blue)}
.hero{min-height:660px;color:#fff;background:linear-gradient(90deg,rgba(7,27,51,.94),rgba(7,27,51,.76),rgba(7,27,51,.38)),url('assets/hero.svg') center/cover no-repeat;display:flex;align-items:center}
.hero-content{max-width:820px;padding:80px 0}
.eyebrow{color:var(--gold);font-weight:900;text-transform:uppercase;letter-spacing:.14em;font-size:.82rem}
h1{font-size:clamp(2.45rem,5.3vw,5rem);line-height:1.02;margin:14px 0 20px;letter-spacing:-.05em}
h2{font-size:clamp(1.8rem,3.2vw,3rem);line-height:1.12;margin:0 0 16px;color:var(--navy);letter-spacing:-.035em}
h3{font-size:1.25rem;margin:0 0 10px;color:var(--navy)}
.hero p{font-size:1.18rem;max-width:760px;color:#e6eef8}
.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 20px;border-radius:10px;font-weight:900;border:2px solid transparent}
.btn.primary{background:var(--gold);color:#071b33}
.btn.secondary{border-color:#fff;color:#fff}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:-54px;position:relative;z-index:2}
.stat{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 16px 40px rgba(7,27,51,.12)}
.stat strong{display:block;font-size:1.8rem;color:var(--navy)}
.section{padding:76px 0}
.alt{background:var(--ice)}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 10px 28px rgba(7,27,51,.06)}
.icon{width:48px;height:48px;border-radius:14px;background:#eaf3fb;display:grid;place-items:center;color:var(--blue);font-size:1.45rem;margin-bottom:18px}
.panel{background:var(--navy);color:#fff;border-radius:22px;padding:32px;box-shadow:0 18px 45px rgba(7,27,51,.20)}
.panel h2,.panel h3{color:#fff}
.panel p{color:#dce7f3}
.panel a{text-decoration:underline}
.checklist{display:grid;gap:12px;margin-top:22px}
.check{display:flex;gap:12px;align-items:flex-start}
.check:before{content:"✓";color:var(--gold);font-weight:900}
.band{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:54px 0}
.band h2{color:#fff}
.footer{background:#061526;color:#cbd8e6;padding:42px 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
.footer a{text-decoration:underline}
.small{font-size:.92rem;color:var(--muted)}
.footer .small{color:#9fb0c4}
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:64px 0}
.page-hero h1{font-size:3.2rem}
.content{max-width:920px}
.policy h2{margin-top:34px}
.notice{background:#fff8e8;border:1px solid #eed59d;border-left:6px solid var(--gold);border-radius:14px;padding:20px}
.contact-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px}
@media(max-width:860px){
  .header .container{flex-direction:column;align-items:flex-start}
  .grid,.split,.stats,.footer-grid{grid-template-columns:1fr}
  .stats{margin-top:20px}
  .hero{min-height:auto}
}