:root{--navy:#082b4c;--blue:#0d4f7c;--gold:#d59a2f;--ink:#222;--muted:#66717b;--bg:#f4f7f9;--white:#fff;--line:#e4e9ee}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.65}.top{background:var(--navy);color:#fff;font-size:14px}.wrap{max-width:1180px;margin:auto;padding:0 22px}.top .wrap{display:flex;justify-content:space-between;gap:18px;align-items:center;min-height:42px;flex-wrap:wrap}.brandbar{background:#fff;border-bottom:1px solid var(--line)}.brandbar .wrap{display:flex;align-items:center;justify-content:space-between;min-height:86px;gap:22px}.brand{font-weight:800;letter-spacing:.2px;color:var(--navy);font-size:20px;line-height:1.2;text-decoration:none;max-width:420px}.brand small{display:block;color:var(--gold);font-size:12px;letter-spacing:1.4px;margin-top:5px}.nav{display:flex;gap:18px;flex-wrap:wrap;align-items:center}.nav a{color:#253746;text-decoration:none;font-size:14px;font-weight:700}.nav a:hover{color:var(--gold)}.hero{background:linear-gradient(125deg,var(--navy),var(--blue));color:#fff;padding:66px 0 58px}.hero h1{font-size:clamp(34px,5vw,58px);line-height:1.05;margin:0 0 16px;max-width:820px}.hero p{max-width:760px;margin:0;font-size:18px;color:#e8f0f6}.crumb{font-size:13px;color:#dfe9f1;margin-bottom:14px}.section{padding:56px 0}.section.alt{background:var(--bg)}h2{font-size:30px;color:var(--navy);margin:0 0 18px}h3{color:var(--blue);margin:22px 0 8px}.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.card{border:1px solid var(--line);border-radius:10px;padding:24px;background:#fff;box-shadow:0 6px 24px rgba(12,45,71,.05)}.card h2,.card h3{margin-top:0}.facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.fact{padding:20px;border-left:4px solid var(--gold);background:#fff;border-radius:6px}.contactbox{display:grid;grid-template-columns:1fr 1fr;gap:30px}.contactbox a{color:var(--blue)}.notice{padding:18px 20px;border:1px solid var(--line);background:#fff;border-radius:8px;color:var(--muted)}.footer{background:#061e34;color:#dce7ef;padding:48px 0 22px}.footer h3{color:#fff;margin-top:0}.footer a{color:#dce7ef;text-decoration:none}.footer-grid{display:grid;grid-template-columns:1.35fr .8fr 1.15fr;gap:35px}.copyright{border-top:1px solid rgba(255,255,255,.16);margin-top:30px;padding-top:18px;font-size:13px;color:#b7c5cf}.license{display:inline-block;margin-top:15px;padding:7px 10px;border:1px solid rgba(255,255,255,.25);border-radius:4px;font-size:12px}.btn{display:inline-block;background:var(--gold);color:#111;text-decoration:none;font-weight:800;padding:11px 18px;border-radius:6px;margin-top:18px}.menu-toggle{display:none;border:0;background:var(--navy);color:white;padding:9px 12px;border-radius:5px}@media(max-width:820px){.brandbar .wrap{min-height:76px}.menu-toggle{display:block}.nav{display:none;width:100%;padding:0 0 18px}.nav.open{display:flex;flex-direction:column;align-items:flex-start}.brandbar .wrap{flex-wrap:wrap}.grid,.facts,.contactbox,.footer-grid{grid-template-columns:1fr}.hero{padding:48px 0}.hero h1{font-size:38px}}@media(max-width:480px){.wrap{padding:0 16px}.top .wrap{padding-top:8px;padding-bottom:8px}.section{padding:40px 0}.hero h1{font-size:32px}}