:root{--ink:#163041;--navy:#0d354b;--blue:#0879a9;--pale:#edf8fb;--line:#d6e5eb;--muted:#536b79;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:#076c9a}header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;box-shadow:0 1px 8px rgba(0,0,0,.12)}
.topbar{max-width:1160px;margin:auto;padding:15px 20px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{color:#fff;text-decoration:none;font-weight:800;font-size:19px}.topphone{display:inline-block;background:#0879a9;color:#fff;text-decoration:none;font-weight:800;white-space:nowrap;padding:10px 16px;border-radius:8px;box-shadow:0 1px 3px rgba(0,0,0,.18)}.topphone:hover,.topphone:focus{background:#06688f}
.nav{background:#fff;border-bottom:1px solid var(--line)}.navin{max-width:1160px;margin:auto;padding:0 20px;display:flex;gap:22px;overflow:auto}
.nav a{padding:12px 0;text-decoration:none;color:var(--ink);font-weight:700;white-space:nowrap;font-size:14px}
.hero{background:linear-gradient(135deg,#e9f7fb,#fff);border-bottom:1px solid var(--line)}.hero>div{max-width:950px;margin:auto;padding:54px 20px}
.hero h1{font-size:44px;line-height:1.08;margin:0 0 16px;letter-spacing:-.02em}.hero p{font-size:20px;max-width:760px}
.btn{display:inline-block;background:var(--blue);color:#fff;text-decoration:none;font-weight:800;padding:14px 21px;border-radius:8px}
main{max-width:900px;margin:auto;padding:38px 20px}h2{font-size:28px;line-height:1.2;margin:40px 0 12px}h3{line-height:1.25}.lead{font-size:20px;color:#2b4859}
.callout{margin:34px 0;padding:25px;background:var(--pale);border-left:5px solid var(--blue);border-radius:8px}.callout h2{margin-top:0;font-size:25px}
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:24px 0}.card{display:flex;flex-direction:column;padding:18px;border:1px solid var(--line);border-radius:8px;text-decoration:none;background:#fff}.card strong{font-size:17px}.card span{color:var(--muted)}
.notice{padding:15px 18px;background:#f7f9fa;border:1px solid var(--line);border-radius:8px;color:#435a67}
.breadcrumbs{font-size:13px;color:#657d89;margin-bottom:22px}.breadcrumbs a{text-decoration:none}
footer{background:var(--navy);color:#dceaf0;margin-top:48px}footer>div{max-width:950px;margin:auto;padding:34px 20px}footer a{color:#fff}.footlinks{display:flex;gap:18px;flex-wrap:wrap;margin:12px 0}.small{font-size:13px}
.stickycall{display:none}
@media(max-width:700px){header{position:static}.hero h1{font-size:35px}.cards{grid-template-columns:1fr}.topphone{display:none}.navin{gap:18px}.stickycall{display:block;position:fixed;bottom:0;left:0;right:0;background:var(--blue);color:#fff;text-align:center;padding:14px;text-decoration:none;font-weight:800;z-index:50;box-shadow:0 -2px 8px rgba(0,0,0,.15)}body{padding-bottom:52px}}