:root{--navy:#0b2257;--navy2:#143274;--gold:#ffc20e;--lb:#7cb9f4;--sky:#e8f1fc;--blue:#1f6fd1;--ink:#1b2438;--serif:"Libre Baskerville",Georgia,serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff}
img,svg{max-width:100%}a{color:var(--blue)}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,6vw,3.4rem)}h2{font-size:clamp(1.5rem,4vw,2.2rem)}h3{font-size:1.1rem}
p{margin:0 0 1em;max-width:68ch}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.top{background:var(--navy);position:sticky;top:0;z-index:5;border-bottom:3px solid var(--lb)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:10px;padding-bottom:10px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;font:700 1.35rem/1 var(--serif);letter-spacing:.14em}
.brand small{display:block;color:var(--lb);font:600 .62rem/1 system-ui,sans-serif;letter-spacing:.5em;margin-top:5px}
.brand svg{width:42px;height:42px}
nav{display:flex;align-items:center;gap:22px}
nav a{color:#fff;text-decoration:none;font-weight:500}nav a:hover{color:var(--lb)}
nav a[aria-current]{border-bottom:2px solid var(--lb)}
.menu{display:none;background:none;border:1px solid #fff6;color:#fff;padding:8px 14px;border-radius:6px;font:inherit}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;text-decoration:none;padding:12px 22px;border-radius:6px;border:2px solid var(--gold);cursor:pointer;font-size:1rem}
nav a.btn{color:var(--navy);padding:9px 16px}nav a.btn:hover{background:#fff;color:var(--navy)}
.btn:hover{background:#fff}.btn.alt{background:none;color:#fff;border-color:#fff8}.btn.alt:hover{border-color:var(--lb);color:var(--lb)}
.hero{background:var(--navy);color:#fff;padding:84px 0 92px;background-image:repeating-linear-gradient(45deg,#fff1 0 1px,transparent 1px 44px),repeating-linear-gradient(-45deg,#fff1 0 1px,transparent 1px 44px)}
.hero h1{color:#fff;max-width:16ch}.hero h1 em{color:var(--lb);font-style:normal;display:block}
.hero p{font-size:1.15rem;color:#d7e3f8}.hero .acts{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.facts{background:var(--sky)}.facts .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding-top:22px;padding-bottom:22px}
.facts b{display:block;font:700 1.5rem var(--serif);color:var(--navy)}.facts span{font-size:.92rem}
section{padding:68px 0}.alt-bg{background:var(--sky)}
.cols{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.rule{list-style:none;padding:0;margin:0;columns:2;column-gap:36px}
.rule li{padding:10px 0 10px 16px;border-left:3px solid var(--lb);margin-bottom:10px;break-inside:avoid;background:#fff}
.alt-bg .rule li{background:#fff}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(5,1fr);gap:16px;list-style:none;padding:0}
.steps li{counter-increment:s;border-top:3px solid var(--navy);padding-top:12px}
.steps li:before{content:counter(s);font:700 1.6rem var(--serif);color:var(--blue);display:block}
.steps b{display:block;color:var(--navy)}
.band{background:var(--navy);color:#fff;text-align:center}.band h2{color:#fff}.band p{margin:0 auto 1.4em;color:#d7e3f8}
.panel{background:var(--navy);color:#fff;padding:26px 28px;border-radius:8px}.panel h3{color:var(--lb)}.panel p{margin:0;color:#e3ecfb}
form{display:grid;gap:14px}label{font-weight:600;color:var(--navy);display:grid;gap:5px}
input,select,textarea{font:inherit;padding:12px;border:1.5px solid #9db3d6;border-radius:6px;width:100%;background:#fff}
textarea{min-height:130px}.hp{position:absolute;left:-9999px}
.msg{padding:14px 16px;border-radius:6px;background:#e5f6ea;border:1px solid #8fcca0;display:none}.msg.err{background:#fdeaea;border-color:#e39a9a}
.page-head{background:var(--navy);color:#fff;padding:56px 0}.page-head h1{color:#fff;margin:0}.page-head p{color:#d7e3f8;margin:.6em 0 0}
footer{background:var(--navy);color:#cbd9f2;padding:36px 0;font-size:.95rem;border-top:3px solid var(--lb)}
footer a{color:#fff}footer .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
@media(max-width:820px){.menu{display:block}nav{display:none;flex-direction:column;align-items:flex-start;width:100%;padding:10px 0 6px;gap:14px}nav.open{display:flex}
.cols{grid-template-columns:1fr;gap:28px}.facts .wrap{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr}.rule{columns:1}section{padding:48px 0}.hero{padding:56px 0 64px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}