:root{
  --navy:#062b5f;
  --navy-2:#0b3f86;
  --red:#e30613;
  --ink:#10233f;
  --muted:#5c6d82;
  --soft:#f4f8fd;
  --line:#e2eaf3;
  --white:#ffffff;
  --shadow:0 18px 45px rgba(6,43,95,.12);
  --radius:26px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Arial, Helvetica, sans-serif;
  color:var(--ink);
  background:#fff;
  line-height:1.58;
}
img{max-width:100%;height:auto}
a{color:inherit}
.container{width:min(1140px, calc(100% - 40px));margin-inline:auto}
.topbar{background:var(--navy);color:#fff;font-size:15px}
.topbar .container{min-height:38px;display:flex;justify-content:flex-end;align-items:center;gap:20px;flex-wrap:wrap}
.topbar a{text-decoration:none}
.header{
  background:#fff;
  border-bottom:1px solid var(--line);
  position:sticky;
  top:0;
  z-index:20;
  box-shadow:0 8px 26px rgba(6,43,95,.07);
}
.nav{min-height:86px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo img{width:210px;display:block}
.menu{display:flex;align-items:center;gap:22px}
.menu a{text-decoration:none;color:var(--navy);font-weight:800}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  border:0;
  border-radius:999px;
  background:var(--red);
  color:#fff!important;
  text-decoration:none;
  font-weight:900;
  padding:13px 21px;
  box-shadow:0 10px 24px rgba(227,6,19,.24);
}
.btn.secondary{
  background:#fff;
  color:var(--navy)!important;
  border:2px solid var(--navy);
  box-shadow:none;
}
.hero{
  background:
    radial-gradient(circle at top right, rgba(227,6,19,.13), transparent 34%),
    linear-gradient(145deg,#fff 0%,#f3f8fe 100%);
  padding:68px 0 76px;
}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:42px;align-items:center}
.eyebrow{color:var(--red);font-weight:900;text-transform:uppercase;letter-spacing:1.5px}
h1{font-size:clamp(38px,6vw,68px);line-height:1.02;color:var(--navy);margin:12px 0 18px;letter-spacing:-1.6px}
.lead{font-size:22px;color:#263b55;max-width:720px;margin:0 0 28px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-card,.card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}
.hero-card{padding:32px}
.hero-card h2,.card h3{color:var(--navy)}
section{padding:76px 0}
.section-head{text-align:center;max-width:820px;margin:0 auto 40px}
.section-head h2{font-size:clamp(30px,4vw,46px);line-height:1.08;color:var(--navy);margin:0 0 12px}
.section-head p{font-size:20px;color:var(--muted);margin:0}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.card{padding:28px}
.card h3{font-size:24px;margin:10px 0 10px}
.card p{font-size:18px;color:#40546c;margin:0 0 16px}
.icon{
  width:64px;height:64px;border-radius:20px;background:#eef4fb;
  display:flex;align-items:center;justify-content:center;color:var(--red);font-size:32px;font-weight:900
}
.checklist{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.checklist li{display:flex;gap:11px;align-items:flex-start;font-size:18px}
.checklist li::before{
  content:"✓";background:var(--red);color:#fff;border-radius:50%;
  width:24px;height:24px;display:inline-flex;align-items:center;justify-content:center;
  font-weight:900;flex:0 0 24px;margin-top:2px
}
.band{background:var(--navy);color:#fff}
.band h2,.band h3{color:#fff}
.band p{color:#e6effa}
.soft{background:var(--soft)}
.page-hero{padding:58px 0;background:linear-gradient(145deg,#fff,#f4f9ff);border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(36px,5vw,58px)}
.tip-number{width:42px;height:42px;border-radius:50%;background:var(--red);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:900;margin-bottom:10px}
.notice{padding:18px 20px;border-left:7px solid var(--red);background:#fff3f4;border-radius:15px;font-size:17px}
.about-wrap{display:grid;grid-template-columns:.95fr 1.05fr;gap:32px;align-items:center}
.about-box{background:linear-gradient(150deg,var(--navy),var(--navy-2));color:#fff;border-radius:34px;padding:38px;box-shadow:var(--shadow)}
.about-box h2{font-size:38px;margin:0 0 12px}
.about-box p{font-size:20px;color:#e6effa}
.badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.badge{background:#fff;color:var(--navy);border-radius:999px;padding:10px 14px;font-weight:900}
.contact-wrap{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.contact-list{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.contact-list a{text-decoration:none;color:var(--navy);font-weight:900}
.form{display:grid;gap:14px}
input,select,textarea{width:100%;border:1px solid #ccd9e7;border-radius:14px;padding:14px 15px;font:inherit}
textarea{min-height:130px;resize:vertical}
.small{font-size:14px;color:var(--muted)}
.brand-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;align-items:start}
.brand-tile{background:#fff;border:1px solid var(--line);border-radius:24px;padding:18px;box-shadow:0 10px 30px rgba(6,43,95,.08)}
.brand-tile img{border-radius:16px;background:#fff}
footer{background:#031b3d;color:#fff;padding:42px 0}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:28px}
footer a{color:#fff;text-decoration:none}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.legal{border-top:1px solid rgba(255,255,255,.16);margin-top:28px;padding-top:20px;color:#ced9e8;font-size:14px}
@media(max-width:920px){
  .hero-grid,.about-wrap,.contact-wrap,.footer-grid,.brand-grid{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr 1fr}
  .menu{display:none}
  .topbar .container{justify-content:center;padding:8px 0}
}
@media(max-width:640px){
  .container{width:min(100% - 28px,1140px)}
  section{padding:56px 0}
  .hero{padding:44px 0 54px}
  .grid-3,.grid-2{grid-template-columns:1fr}
  .logo img{width:178px}
  .lead{font-size:19px}
}