:root{--navy:#08233e;--navy2:#0d3154;--yellow:#ffc400;--green:#168a50;--ink:#132235;--muted:#607080;--bg:#f5f8fb;--white:#fff;--line:#dce5ed}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--white);line-height:1.6}
a{color:inherit}.wrap{width:min(1160px,92%);margin:auto}.top{background:var(--navy);color:#fff;font-size:14px;padding:8px 0}.top .wrap{display:flex;justify-content:space-between;gap:20px}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.head{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.logo{text-decoration:none;font-weight:900;letter-spacing:-1px;font-size:24px;color:var(--navy)}.logo span{color:var(--yellow)}nav{display:flex;gap:24px;flex-wrap:wrap}nav a{text-decoration:none;font-weight:700;font-size:14px}
.hero{background:linear-gradient(115deg,var(--navy),var(--navy2));color:#fff;padding:82px 0 72px}.hero .eyebrow{color:var(--yellow);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:13px}.hero h1{font-size:clamp(38px,6vw,68px);line-height:1.02;max-width:850px;margin:10px 0 20px;letter-spacing:-2px}.hero p{font-size:19px;max-width:760px;color:#e4edf5}
.notice{margin-top:26px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);padding:16px 18px;border-radius:10px;max-width:760px}
section{padding:64px 0}.soft{background:var(--bg)}h2{font-size:clamp(28px,4vw,42px);line-height:1.12;margin:0 0 12px;color:var(--navy);letter-spacing:-1px}.lead{max-width:760px;color:var(--muted);font-size:18px;margin:0 0 30px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:12px;padding:24px;background:#fff}.card h3{margin:0 0 8px;color:var(--navy)}.card a{font-weight:800;color:var(--navy)}
.two{display:grid;grid-template-columns:1.25fr .75fr;gap:34px}.checklist{padding-left:20px}.checklist li{margin:8px 0}.warning{border-left:5px solid var(--yellow);background:#fff8db;padding:18px 20px;margin:24px 0}
footer{background:var(--navy);color:#dbe6ef;padding:44px 0}.foot{display:grid;grid-template-columns:2fr 1fr;gap:30px}footer a{color:#fff}
.breadcrumb{font-size:14px;color:#6c7b89;margin-bottom:22px}.breadcrumb a{color:var(--navy)}
@media(max-width:800px){nav{display:none}.top .wrap{display:block}.hero{padding:56px 0}.grid,.two,.foot{grid-template-columns:1fr}section{padding:46px 0}.head{min-height:66px}.hero h1{letter-spacing:-1px}}