:root{--navy:#102a43;--blue:#1769aa;--gold:#d5a33f;--ink:#243b53;--muted:#627d98;--bg:#f5f8fb;--white:#fff}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--white);line-height:1.65}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(1180px,92%);margin:auto}
.top{background:var(--navy);color:#fff;padding:10px 0;font-size:14px}.top .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
header{background:#fff;border-bottom:1px solid #dde6ee;position:sticky;top:0;z-index:10}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:16px 0}
.brand{font-weight:800;font-size:21px;color:var(--navy)}nav a{margin-left:18px;font-weight:700;color:var(--ink)}
.hero{background:linear-gradient(120deg,#102a43,#1769aa);color:#fff;padding:78px 0}.hero h1{font-size:clamp(34px,5vw,60px);line-height:1.08;margin:0 0 18px;max-width:900px}
.hero p{font-size:19px;max-width:760px}.btn{display:inline-block;background:var(--gold);color:#102a43;font-weight:800;padding:13px 20px;border-radius:6px;margin:8px 8px 0 0}
section{padding:55px 0}h2{font-size:32px;color:var(--navy);margin-top:0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{border:1px solid #dbe5ee;border-radius:10px;padding:22px;background:#fff;box-shadow:0 5px 18px rgba(16,42,67,.05)}.card h3{margin-top:0;color:var(--navy)}
.soft{background:var(--bg)}.crumb{font-size:14px;margin-bottom:20px;color:var(--muted)}.content{max-width:850px}.content p{font-size:17px}
.notice{border-left:4px solid var(--gold);padding:14px 18px;background:#fff8e8;margin:25px 0}.links{columns:2;column-gap:35px}.links a{display:block;margin:7px 0;break-inside:avoid}
footer{background:#0b1f33;color:#cbd5df;padding:40px 0;margin-top:40px}footer a{color:#fff}
@media(max-width:800px){.grid{grid-template-columns:1fr}.links{columns:1}nav{display:none}.hero{padding:52px 0}}