:root {
  --ink: #14202e;
  --muted: #4c5a69;
  --paper: #ffffff;
  --band: #f2f5f8;
  --navy: #0f2a44;
  --accent: #d9822b;
  --line: #dde3ea;
}
* { box-sizing: border-box; }
body { margin: 0; font-family: system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif; color: var(--ink); background: var(--paper); line-height: 1.6; }
a { color: var(--navy); }
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 16px; }
.top { background: var(--navy); color: #fff; }
.bar { display: flex; align-items: center; justify-content: space-between; min-height: 60px; gap: 12px; flex-wrap: wrap; }
.brand { color: #fff; text-decoration: none; font-weight: 700; font-size: 1.1rem; letter-spacing: 0.2px; }
.brand span { color: var(--accent); }
nav a { color: #fff; text-decoration: none; margin-left: 18px; font-size: 0.95rem; }
nav a:first-child { margin-left: 0; }
.hero { background: linear-gradient(135deg, var(--navy), #1d466e); color: #fff; padding: 64px 0 72px; }
.eyebrow { text-transform: uppercase; letter-spacing: 1px; font-size: 0.8rem; opacity: 0.85; margin: 0 0 10px; }
.hero h1 { font-size: clamp(1.7rem, 4.2vw, 2.6rem); line-height: 1.2; margin: 0 0 16px; max-width: 760px; }
.lead { font-size: 1.1rem; max-width: 640px; opacity: 0.95; margin: 0 0 26px; }
.btn { display: inline-block; background: var(--accent); color: #fff; padding: 12px 22px; border-radius: 6px; text-decoration: none; font-weight: 600; }
.block { padding: 48px 16px; }
h2 { font-size: 1.6rem; margin: 0 0 20px; }
.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.grid article { border: 1px solid var(--line); border-radius: 8px; padding: 18px; }
.grid h3 { margin: 0 0 6px; font-size: 1.05rem; }
.grid p { margin: 0; color: var(--muted); }
.band { background: var(--band); }
.steps { margin: 0; padding-left: 20px; }
.steps li { margin-bottom: 10px; }
.points { margin: 0; padding-left: 20px; }
.points li { margin-bottom: 8px; }
.contact dl { display: grid; grid-template-columns: 130px 1fr; gap: 8px 16px; margin: 18px 0 0; }
.contact dt { font-weight: 600; }
.contact dd { margin: 0; }
.foot { padding: 24px 16px 40px; color: var(--muted); font-size: 0.9rem; border-top: 1px solid var(--line); }
.foot p { margin: 4px 0; }
@media (max-width: 560px) {
  nav a { margin-left: 12px; font-size: 0.9rem; }
  .contact dl { grid-template-columns: 1fr; }
  .contact dt { margin-top: 6px; }
}