:root{
  --navy:#17324d;
  --blue:#2e6f9e;
  --gold:#c49a4a;
  --cream:#f7f5ef;
  --ink:#26323a;
  --muted:#66737d;
  --white:#ffffff;
  --border:#dce2e6;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:var(--white)}
a{color:var(--blue)}
.container{width:min(1100px,92%);margin:auto}
header{background:var(--navy);color:white;position:sticky;top:0;z-index:10;box-shadow:0 2px 12px #0002}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:15px 0}
.brand{font-size:1.35rem;font-weight:800;letter-spacing:.04em}
.brand small{display:block;font-size:.7rem;font-weight:400;letter-spacing:.12em;text-transform:uppercase;color:#dbe6ef}
nav a{color:white;text-decoration:none;margin-left:20px;font-size:.95rem}
.hero{background:linear-gradient(135deg,var(--navy),#285b7d);color:white;padding:82px 0}
.hero h1{font-size:clamp(2.3rem,5vw,4rem);line-height:1.05;margin:0 0 18px}
.hero p{font-size:1.18rem;max-width:700px;color:#eef5f9}
.buttons{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-block;padding:12px 18px;border-radius:7px;text-decoration:none;font-weight:700}
.btn.primary{background:var(--gold);color:#17202a}
.btn.secondary{border:1px solid #ffffff80;color:white}
section{padding:64px 0}
.cream{background:var(--cream)}
h2{color:var(--navy);font-size:2rem;margin-top:0}
h3{color:var(--navy)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{border:1px solid var(--border);border-radius:10px;padding:24px;background:white}
.card h3{margin-top:0}
.notice{border-left:5px solid var(--gold);background:#fffaf0;padding:18px 20px;margin:22px 0}
.sms-box{border:2px solid var(--navy);border-radius:10px;padding:26px;background:#fbfcfd}
label{display:block;font-weight:700;margin:12px 0 6px}
input,textarea{width:100%;padding:12px;border:1px solid #bcc7cf;border-radius:6px;font:inherit}
textarea{min-height:120px}
.check{display:flex;gap:10px;align-items:flex-start;margin:16px 0}
.check input{width:auto;margin-top:6px}
footer{background:#132636;color:#dfe8ee;padding:36px 0}
footer a{color:#fff}
.policy h2{margin-top:36px}
.policy h1{color:var(--navy)}
.meta{color:var(--muted);font-size:.95rem}
ul{padding-left:24px}
.small{font-size:.9rem;color:var(--muted)}
@media(max-width:760px){
  .nav{align-items:flex-start;flex-direction:column}
  nav a{margin:0 16px 0 0}
  .grid{grid-template-columns:1fr}
  .hero{padding:58px 0}
}