:root{--navy:#0b2345;--blue:#1769aa;--light:#f4f7fb;--text:#24364b;--line:#dce5ef}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.6;background:#fff}
a{color:#1769aa}header{background:#fff;border-bottom:1px solid var(--line)}.nav{max-width:1100px;margin:auto;padding:18px 24px;display:flex;justify-content:space-between;align-items:center;gap:24px}
.brand{font-size:24px;font-weight:700;color:var(--navy)}.brand small{display:block;font-size:12px;font-weight:400;color:#667}
nav{display:flex;gap:18px;flex-wrap:wrap}nav a{text-decoration:none;font-weight:600}
.hero{background:var(--navy);color:#fff}.hero-inner{max-width:1100px;margin:auto;padding:72px 24px}.hero h1{font-size:44px;line-height:1.1;margin:0 0 14px}.hero p{max-width:720px;font-size:20px}
.btn{display:inline-block;background:#fff;color:var(--navy);padding:12px 18px;border-radius:6px;text-decoration:none;font-weight:700}
main{max-width:1100px;margin:auto;padding:42px 24px 60px}section{margin-bottom:42px}h1,h2,h3{color:var(--navy)}h2{font-size:30px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card,.notice,.policy-box{border:1px solid var(--line);border-radius:8px;padding:20px;background:var(--light)}
.notice{margin-top:24px}.policy{max-width:850px}.policy h1{font-size:38px}.policy h2{font-size:24px;margin-top:32px}
.callout{border-left:5px solid var(--blue);padding:18px 22px;background:var(--light);margin:24px 0}.email-example{border:1px solid var(--line);padding:24px;border-radius:8px;background:#fff}
footer{background:#081a33;color:#fff}.footer-inner{max-width:1100px;margin:auto;padding:30px 24px;display:flex;justify-content:space-between;gap:24px}.footer-inner a{color:#fff;display:block}
@media(max-width:750px){.nav,.footer-inner{flex-direction:column;align-items:flex-start}.cards{grid-template-columns:1fr}.hero h1{font-size:36px}}