:root{font-family:Arial,Helvetica,sans-serif;color:#163047;background:#f7fafb;font-size:16px}*{box-sizing:border-box}body{margin:0}a{color:#17617b}a:hover{text-decoration:none}.wrap{max-width:1080px;margin:auto;padding:0 28px}.top{background:#fff;border-bottom:1px solid #dae5e9}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-weight:800;color:#123b50;text-decoration:none;font-size:1.2rem;letter-spacing:.02em}.navlinks{display:flex;gap:24px;flex-wrap:wrap}.navlinks a{text-decoration:none;font-weight:600}.hero{background:linear-gradient(125deg,#10384f,#17617b);color:#fff;padding:78px 0 86px}.eyebrow{text-transform:uppercase;letter-spacing:.15em;font-weight:700;font-size:.8rem;color:#b6e4e2}h1{font-size:clamp(2.4rem,5vw,4.5rem);line-height:1.08;max-width:760px;margin:16px 0 20px}h2{font-size:clamp(1.6rem,3vw,2.2rem);line-height:1.2}p{line-height:1.65}.intro{font-size:1.2rem;max-width:680px;color:#e0eff1}.section{padding:68px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid #dce7ea;border-radius:16px;padding:28px;box-shadow:0 12px 28px rgba(10,42,60,.05)}.card h3{margin-top:0;font-size:1.22rem}.card p{margin-bottom:0}.band{background:#e8f2f4}.narrow{max-width:760px}.note{border-left:4px solid #36a3a6;padding:12px 20px;background:#fff}.legal{max-width:800px;padding-top:56px;padding-bottom:72px}.legal h1{font-size:2.7rem;color:#123b50}.legal h2{font-size:1.4rem;margin-top:36px}.legal li{margin:9px 0;line-height:1.55}.footer{background:#10384f;color:#e1f0f2;padding:32px 0}.footer a{color:#e1f0f2}.footrow{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}.footlinks{display:flex;gap:18px;flex-wrap:wrap}@media(max-width:700px){.nav{align-items:flex-start;flex-direction:column;padding-top:18px;padding-bottom:18px}.hero{padding:60px 0}.grid{grid-template-columns:1fr}.section{padding:48px 0}.wrap{padding-left:20px;padding-right:20px}}