:root{--navy:#14284b;--navy2:#1e3a6b;--red:#b22234;--ink:#1d2433;--muted:#5b6475;--bg:#f6f7fa;--line:#dfe3ea}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:var(--navy2)}.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.draft{background:#fff3cd;color:#6b4e00;text-align:center;font-size:.85rem;padding:6px}
header{background:var(--navy);color:#fff;border-bottom:4px solid var(--red)}
header .wrap{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px;padding:14px 20px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;letter-spacing:.5px}
nav a{color:#fff;text-decoration:none;margin-left:18px;font-size:.95rem}nav a:hover,nav a.on{border-bottom:2px solid var(--red)}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:70px 0 60px;position:relative;overflow:hidden}
.hero h1{font-size:2.3rem;line-height:1.2;margin:0 0 14px;max-width:720px}.hero p{max-width:640px;color:#dce3f0;font-size:1.1rem}
.hero .stripes{position:absolute;right:-40px;top:0;bottom:0;width:260px;opacity:.12}
.btn{display:inline-block;background:var(--red);color:#fff;padding:12px 22px;border-radius:4px;text-decoration:none;font-weight:600;margin-top:12px}
.btn.alt{background:transparent;border:1px solid #fff;margin-left:8px}
section{padding:54px 0}section.alt{background:var(--bg)}h2{color:var(--navy);margin-top:0;font-size:1.7rem}
h2:after{content:"";display:block;width:48px;height:3px;background:var(--red);margin-top:8px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--navy);border-radius:4px;padding:20px}
.card h3{margin:0 0 6px;color:var(--navy);font-size:1.1rem}.card p{margin:0;color:var(--muted)}
table{width:100%;border-collapse:collapse;background:#fff}td,th{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}th{background:var(--navy);color:#fff}
.note{font-size:.85rem;color:var(--muted)}.tag{display:inline-block;background:#fdecee;color:var(--red);font-size:.75rem;padding:2px 8px;border-radius:10px;font-weight:600}
form label{display:block;font-weight:600;margin-top:12px}form input,form textarea,form select{width:100%;padding:10px;border:1px solid var(--line);border-radius:4px;font:inherit}
form button{background:var(--red);color:#fff;border:0;padding:12px 22px;border-radius:4px;font-weight:600;margin-top:16px;cursor:pointer}
footer{background:var(--navy);color:#c9d2e3;font-size:.9rem;padding:28px 0;border-top:4px solid var(--red)}footer a{color:#fff}
@media(max-width:640px){.hero h1{font-size:1.7rem}nav a{margin:0 14px 0 0}.btn.alt{margin-left:0}}