:root{--navy:#071a33;--navy2:#0d2a4d;--gold:#d5a62a;--light:#f5f7fa;--ink:#162033;--muted:#5c6675;--white:#fff}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{text-decoration:none;color:inherit}.container{max-width:1150px;margin:auto;padding:0 22px}
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:10;border-bottom:3px solid var(--gold)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:74px}.brand{font-weight:800;letter-spacing:1px;font-size:21px}.brand span{color:var(--gold)}
nav a{margin-left:18px;font-size:14px;font-weight:700}.btn{display:inline-block;background:var(--gold);color:#111;padding:13px 20px;border-radius:5px;font-weight:800}.btn.alt{background:#fff;color:var(--navy)}.btn.outline{background:transparent;color:#fff;border:1px solid #fff}
.hero{background:linear-gradient(120deg,var(--navy),var(--navy2));color:#fff;padding:85px 0}.hero h1{font-size:48px;line-height:1.08;margin:0 0 16px}.hero p{font-size:20px;max-width:760px;color:#e7edf5}.kicker{color:var(--gold);font-weight:800;letter-spacing:2px;text-transform:uppercase}
section{padding:68px 0}.section-title{text-align:center;margin-bottom:40px}.section-title h2{font-size:34px;margin:0 0 10px}.section-title p{color:var(--muted);max-width:720px;margin:auto}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{border:1px solid #e2e6eb;border-radius:9px;padding:25px;background:#fff;box-shadow:0 5px 20px rgba(0,0,0,.05)}.card h3{margin-top:0;color:var(--navy)}
.band{background:var(--light)}.split{display:grid;grid-template-columns:1fr 1fr;gap:45px;align-items:center}.facts{display:grid;grid-template-columns:1fr 1fr;gap:12px}.fact{background:#fff;padding:18px;border-left:4px solid var(--gold);box-shadow:0 2px 10px rgba(0,0,0,.05)}.fact b{display:block;color:var(--navy)}
ul{padding-left:20px}.cta{background:var(--navy);color:#fff;text-align:center}.cta p{color:#dce5ef}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}.contact-box{background:var(--light);padding:25px;border-radius:8px}.small{font-size:13px;color:var(--muted)}
footer{background:#041124;color:#dce5ef;padding:35px 0}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}footer h3{color:#fff}footer a{display:block;margin:7px 0}.notice{background:#fff7dc;border:1px solid #ead38a;padding:15px;border-radius:6px;font-size:14px}
@media(max-width:800px){.grid,.split,.contact-grid,.footergrid{grid-template-columns:1fr}.hero h1{font-size:38px}nav{display:none}.facts{grid-template-columns:1fr}.nav{justify-content:center}}