:root{--blue:#00357a;--sun:#ffde21;--ink:#10213d;--muted:#5a6680;--line:#e3e7ef;--bg:#fbfaf6}
*{box-sizing:border-box;margin:0}
body{font-family:'DM Sans',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:var(--blue)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{padding:22px 0;border-bottom:1px solid var(--line);background:#fff}
header .wrap{display:flex;align-items:center;justify-content:space-between}
header img{height:46px;display:block}
nav a{font-size:.95rem;text-decoration:none;margin-left:22px;font-weight:500}
.hero{padding:88px 0 72px}
.hero .wrap{display:grid;grid-template-columns:1.3fr 1fr;gap:48px;align-items:center}
.tag{display:inline-block;background:var(--sun);color:var(--blue);font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;padding:6px 12px;border-radius:4px}
h1{font-size:clamp(2.2rem,5vw,3.5rem);line-height:1.1;color:var(--blue);margin:18px 0;letter-spacing:-.02em}
.hero p{font-size:1.15rem;color:var(--muted);max-width:34em}
.panel{background:var(--blue);color:#fff;border-radius:18px;padding:34px;position:relative;overflow:hidden}
.panel:after{content:"";position:absolute;right:-60px;bottom:-60px;width:180px;height:180px;border-radius:50%;background:var(--sun);opacity:.9}
.panel h3{font-size:1.05rem;margin-bottom:14px}
.panel ul{list-style:none;padding:0;position:relative;z-index:1}
.panel li{padding:10px 0;border-top:1px solid rgba(255,255,255,.18)}
.panel li:before{content:"✓";color:var(--sun);font-weight:700;margin-right:10px}
section.band{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:72px 0}
h2{font-size:1.9rem;color:var(--blue);letter-spacing:-.01em;margin-bottom:10px}
.lead{color:var(--muted);max-width:40em;margin-bottom:36px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{border:1px solid var(--line);border-radius:14px;padding:26px;background:var(--bg)}
.card b{display:block;width:38px;height:38px;border-radius:10px;background:var(--sun);color:var(--blue);text-align:center;line-height:38px;margin-bottom:14px}
.card h4{font-size:1.1rem;margin-bottom:6px;color:var(--blue)}
.card p{color:var(--muted);font-size:.97rem}
.note{padding:72px 0}
.note .box{border-left:6px solid var(--sun);padding:8px 0 8px 26px}
.note p{color:var(--muted);max-width:44em}
.legal{padding:56px 0 72px;max-width:760px}
.legal h1{font-size:2.2rem}
.legal h3{color:var(--blue);margin:26px 0 6px}
.legal p,.legal li{color:#33415c}
.legal .upd{color:var(--muted);font-size:.9rem}
@media(max-width:820px){.hero .wrap,.grid{grid-template-columns:1fr}.hero{padding:56px 0}header img{height:38px}nav a{margin-left:14px}}
footer{background:var(--blue);color:#c9d6ee;padding:56px 0 28px;font-size:.92rem;border-top:6px solid var(--sun)}
.f-top{display:flex;flex-wrap:wrap;gap:28px;justify-content:space-between;align-items:center;padding-bottom:32px;border-bottom:1px solid rgba(255,255,255,.15)}
.f-brand{display:flex;align-items:center;gap:14px}
.f-brand img{width:52px;height:52px}
.f-brand strong{display:block;color:#fff;font-size:1.25rem}
.f-brand span{color:var(--sun);font-size:.9rem}
.f-mail{display:block;background:var(--sun);color:var(--blue);text-decoration:none;font-weight:700;padding:14px 22px;border-radius:12px;transition:transform .15s}
.f-mail:hover{transform:translateY(-2px)}
.f-mail small{display:block;font-weight:500;font-size:.78rem;opacity:.8}
.f-bot{display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;padding-top:22px}
.f-bot a{color:#fff;text-decoration:none;margin-left:20px}
.f-bot a:hover{text-decoration:underline}
.f-bot a:first-child{margin-left:0}
@media(max-width:820px){
footer{padding:44px 0 24px}
.f-top{flex-direction:column;align-items:flex-start;gap:24px}
.f-mail{width:100%;text-align:center}
.f-bot{flex-direction:column-reverse;align-items:center;text-align:center;gap:14px}
.f-bot span:last-child{display:flex;gap:28px}
.f-bot a{margin-left:0}
.f-bot span:first-child{font-size:.82rem;opacity:.85}
}