*{box-sizing:border-box;margin:0;padding:0}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:#1f2937;line-height:1.6;background:#fff}
.wrap{max-width:1000px;margin:0 auto;padding:0 20px}
header{border-bottom:1px solid #e5e7eb;background:#fff}
header .wrap{display:flex;justify-content:space-between;align-items:center;padding:16px 20px;flex-wrap:wrap;gap:10px}
.brand{font-weight:700;font-size:1.2rem;color:#0f3d75;text-decoration:none}
nav a{margin-left:18px;color:#374151;text-decoration:none;font-size:.95rem}
nav a:hover{color:#0f3d75}
.hero{background:linear-gradient(135deg,#0f3d75,#1e6fd9);color:#fff;padding:80px 0}
.hero h1{font-size:2.2rem;margin-bottom:12px}
.hero p{font-size:1.15rem;max-width:700px;opacity:.95}
.btn{display:inline-block;margin-top:24px;background:#fff;color:#0f3d75;padding:12px 22px;border-radius:6px;text-decoration:none;font-weight:600}
section{padding:60px 0}
section h2{font-size:1.6rem;color:#0f3d75;margin-bottom:20px}
.alt{background:#f5f7fa}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;list-style:none}
.grid li{background:#fff;border:1px solid #e5e7eb;border-radius:8px;padding:18px}
dl{display:grid;grid-template-columns:max-content 1fr;gap:8px 20px}
dt{font-weight:600}
a{color:#1e6fd9}
footer{background:#111827;color:#d1d5db;padding:30px 0;font-size:.9rem}
footer a{color:#93c5fd}
footer p{margin-bottom:6px}
.policy h1{color:#0f3d75;margin:40px 0 16px}.policy h2{font-size:1.2rem;margin:24px 0 8px;color:#0f3d75}.policy p{margin-bottom:10px}
@media(max-width:600px){.hero{padding:50px 0}.hero h1{font-size:1.7rem}nav a{margin:0 14px 0 0}dl{grid-template-columns:1fr;gap:2px}dd{margin-bottom:10px}}