:root{--ink:#14181d;--muted:#5f6670;--line:#e6e8eb;--accent:#B8202E;--navy:#1B2A4A;--gold:#E8B923;--bg:#ffffff;--band:#f5f4f0}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 "Helvetica Neue",Helvetica,Arial,-apple-system,sans-serif;color:var(--ink);background:var(--bg)}
.wrap{max-width:1040px;margin:0 auto;padding:0 24px}
header{background:#fff;position:sticky;top:0;z-index:2;border-bottom:1px solid var(--line)}
header::after{content:'';display:block;height:4px;background:linear-gradient(90deg,var(--navy) 0 34%,var(--accent) 34% 67%,var(--gold) 67% 100%)}
header .wrap{display:flex;justify-content:space-between;align-items:center;height:68px}
.brand{font-weight:700;letter-spacing:.14em;font-size:17px;color:var(--ink);text-decoration:none}
.brand span{color:var(--gold)}
nav a{color:var(--muted);text-decoration:none;margin-left:26px;font-size:14px;letter-spacing:.04em;text-transform:uppercase}
nav a:hover{color:var(--ink)}
.hero{padding:96px 0 80px;background:var(--navy);color:#fff}
.hero h1{color:#fff}
.hero p{color:#c9d1e0 !important}
.hero h1{font-size:46px;line-height:1.12;margin:0 0 18px;max-width:720px;font-weight:600;letter-spacing:-.01em}
.hero p{font-size:20px;color:var(--muted);max-width:620px;margin:0 0 30px}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:600;text-decoration:none;padding:13px 24px;border-radius:4px;font-size:15px;letter-spacing:.03em}
section{padding:72px 0}
section+section{border-top:1px solid var(--line)}
h2{font-size:14px;letter-spacing:.16em;text-transform:uppercase;color:var(--accent);margin:0 0 22px;font-weight:600}
h3{font-size:22px;margin:0 0 8px;font-weight:600;color:var(--navy)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:36px}
.grid p{color:var(--muted);margin:0;font-size:16px}
.about{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:start}
.about p{margin:0 0 14px}
.card{background:var(--band);padding:28px;border-radius:6px;border-top:4px solid var(--accent)}
.card h3{font-size:18px}
.card p{margin:0 0 6px;font-size:15px;color:var(--muted)}
dl{display:grid;grid-template-columns:max-content 1fr;gap:8px 24px;margin:0}
dt{color:var(--muted)}
dd{margin:0}
.legal h1{font-size:34px;margin:56px 0 10px;font-weight:600;color:var(--navy)}
.legal .lead{font-size:19px;color:var(--muted);margin-bottom:36px}
.legal h2{margin-top:36px}
.legal ul{padding-left:22px}.legal li{margin-bottom:8px}
footer{background:var(--navy);padding:32px 0 48px;font-size:14px;color:#c9d1e0}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
footer a{color:var(--gold);text-decoration:none;margin-right:18px}
footer a:hover{color:#fff}
a{color:var(--accent)}
@media(max-width:760px){.grid,.about{grid-template-columns:1fr}.hero h1{font-size:34px}.hero{padding:64px 0 56px}nav a{margin-left:14px;font-size:12px}}
@media(max-width:520px){dl{grid-template-columns:1fr}dt{margin-top:8px}}