*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',Helvetica,Arial,sans-serif;color:#1f2933;line-height:1.6;background:#fff}
a{color:#1d4e89}
.wrap{max-width:1040px;margin:0 auto;padding:0 24px}
header{border-bottom:1px solid #e4e7eb;background:#fff}
header .wrap{display:flex;justify-content:space-between;align-items:center;padding-top:18px;padding-bottom:18px;flex-wrap:wrap;gap:8px}
.brand{font-weight:700;font-size:20px;color:#102a43;text-decoration:none}
nav a{margin-left:20px;text-decoration:none;color:#334e68;font-size:15px}
.hero{background:#102a43;color:#fff;padding:72px 0}
.hero h1{font-size:40px;line-height:1.2;max-width:760px;margin-bottom:18px}
.hero p{font-size:18px;max-width:680px;color:#d9e2ec}
.btn{display:inline-block;margin-top:28px;background:#f0b429;color:#102a43;padding:12px 26px;border-radius:6px;font-weight:600;text-decoration:none}
section{padding:52px 0}
section.alt{background:#f5f7fa}
h2{font-size:28px;color:#102a43;margin-bottom:16px}
h3{font-size:18px;color:#102a43;margin-bottom:8px}
.lead{max-width:760px;font-size:17px;color:#486581}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px;margin-top:28px}
.card{background:#fff;border:1px solid #e4e7eb;border-radius:10px;padding:22px}
.step{font-weight:700;color:#f0b429;font-size:14px;letter-spacing:.05em;text-transform:uppercase}
.contact{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px;margin-top:24px}
.contact dt{font-weight:600;color:#102a43}
.contact dd{margin-bottom:14px}
.notice{font-size:14px;color:#486581;background:#fff;border-left:4px solid #f0b429;padding:14px 18px;border-radius:4px}
.doc{padding:48px 0 64px;max-width:800px}
.doc h1{font-size:32px;color:#102a43;margin-bottom:6px}
.doc h2{font-size:21px;margin:30px 0 10px}
.doc p,.doc li{margin-bottom:10px}
.doc ul{padding-left:22px}
.muted{color:#627d98;font-size:14px}
footer{background:#102a43;color:#bcccdc;padding:28px 0;font-size:14px}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
footer a{color:#fff;margin-left:16px}
footer a:first-child{margin-left:0}
@media(max-width:640px){.hero{padding:56px 0}.hero h1{font-size:30px}nav a{margin-left:0;margin-right:16px}section{padding:44px 0}}
.grid3{grid-template-columns:repeat(3,1fr)}
@media(max-width:860px){.grid3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.grid3{grid-template-columns:1fr}}