:root{--bg:#f6f8fb;--card:#fff;--ink:#111827;--ink2:#4b5563;--line:#e5e7eb;--brand:#0b5cad;--brand2:#f2a900}
*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,"Noto Sans",sans-serif}
a{color:var(--brand)}.wrap{max-width:1040px;margin:0 auto;padding:0 18px}
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.bar{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:10px;padding-bottom:10px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}.brand small{display:block;color:var(--ink2);font-size:12px;line-height:1.2}
.mark{width:40px;height:40px;border-radius:10px;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:800;font-size:20px;box-shadow:inset 0 -4px 0 var(--brand2)}
.nav{display:flex;gap:4px}.nav a{padding:8px 12px;border-radius:8px;text-decoration:none;color:var(--ink2);font-weight:600}.nav a[aria-current]{background:#e8f0fb;color:var(--brand)}
main.wrap{padding:28px 18px 48px}h1{font-size:30px;line-height:1.2;margin:8px 0 12px}h2{font-size:22px;margin:32px 0 10px}h3{margin:0 0 6px;font-size:18px}
.hero{background:linear-gradient(135deg,#0b5cad,#0a3f78);color:#fff;border-radius:18px;padding:32px 26px}.hero p{color:#e6eefb;max-width:720px}
.btn{display:inline-block;background:var(--brand2);color:#111;padding:11px 18px;border-radius:10px;font-weight:700;text-decoration:none}
.grid{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}.grid.two{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px}.card .btn{background:var(--brand);color:#fff}
.note{background:#fff7e0;border:1px solid #f6dfa0;border-radius:10px;padding:10px 14px}
.policy{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 24px;max-width:820px}
.foot{background:#0f172a;color:#cbd5e1;padding:26px 0;font-size:14px}.foot a{color:#e2e8f0}.foot .cols{display:flex;gap:30px;flex-wrap:wrap;justify-content:space-between}
.pol{margin-top:14px}.fine{color:#94a3b8;font-size:13px}.policy .fine{color:#6b7280}
@media(max-width:560px){h1{font-size:25px}.hero{padding:24px 18px}}