:root{--navy:#062b63;--red:#e21b23;--ink:#10233f;--muted:#5d6b7c;--bg:#f7f9fc;--line:#dfe6ef}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:var(--navy)}header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.wrap{max-width:1080px;margin:auto;padding:0 22px}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink);font-weight:800}.brand img{width:52px;height:52px;border-radius:50%}
nav{display:flex;gap:18px;flex-wrap:wrap}nav a{text-decoration:none;font-weight:700}
.hero{padding:74px 0;background:linear-gradient(180deg,#fff,#f6f8fb)}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center}
h1{font-size:clamp(38px,6vw,70px);line-height:1.02;margin:0 0 18px;color:var(--navy)}h2{color:var(--navy);margin-top:34px}
.lead{font-size:21px;color:var(--muted);max-width:720px}.hero img{width:min(100%,430px);display:block;margin:auto;border-radius:50%}
.badge{display:inline-block;font-weight:800;color:var(--red);letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px}
.section{padding:54px 0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{border:1px solid var(--line);border-radius:16px;padding:24px;background:#fff}
.card h3{margin-top:0;color:var(--navy)}.legal{max-width:850px;padding:48px 22px}.legal h1{font-size:42px}.legal p,.legal li{color:#33465f}
.notice{background:#f5f7fb;border-left:4px solid var(--navy);padding:16px 18px;border-radius:8px}
footer{border-top:1px solid var(--line);background:var(--bg);padding:30px 0;margin-top:40px}.foot{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.small{font-size:14px;color:var(--muted)}
@media(max-width:760px){.hero-grid,.cards{grid-template-columns:1fr}.nav{align-items:flex-start;padding-top:12px;padding-bottom:12px;flex-direction:column}nav{padding-bottom:8px}.hero{padding:48px 0}}