*{box-sizing:border-box}body{margin:0;font:17px/1.6 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:#1d2a33;background:#fff}
a{color:#0b5d8c}.wrap{max-width:1040px;margin:0 auto;padding:0 18px}
header{background:#0b3d5c;color:#fff;position:sticky;top:0;z-index:5}header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px;padding:10px 18px}
.logo{color:#fff;font-weight:800;text-decoration:none;font-size:1.1rem}.call{background:#f2a900;color:#111;font-weight:800;padding:9px 14px;border-radius:8px;text-decoration:none;white-space:nowrap}
nav{background:#0e4a6f;overflow-x:auto;white-space:nowrap}nav a{color:#dfeefa;display:inline-block;padding:9px 12px;text-decoration:none;font-size:.95rem}
.hero{background:linear-gradient(135deg,#0b3d5c,#1a7aa8);color:#fff;padding:44px 0}.hero h1{font-size:clamp(1.7rem,5vw,2.6rem);line-height:1.2;margin:0 0 12px}
.btn{display:inline-block;background:#f2a900;color:#111;font-weight:800;padding:13px 20px;border-radius:9px;text-decoration:none;margin:6px 8px 0 0}.btn.alt{background:#fff;color:#0b3d5c}
.grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));margin:22px 0}.card{border:1px solid #d7e3ea;border-radius:12px;padding:18px;background:#f8fbfd}.card h3{margin-top:0}
main{padding:26px 0 40px}table{border-collapse:collapse;width:100%;margin:14px 0;font-size:.95rem}td,th{border:1px solid #d7e3ea;padding:8px;text-align:left;vertical-align:top}th{background:#eef5f9}
.note{background:#fff7e0;border-left:4px solid #f2a900;padding:10px 14px;margin:14px 0}.ph{background:#ffe3e3;padding:1px 5px;border-radius:4px}
form{display:grid;gap:10px;max-width:520px}input,select,textarea{font:inherit;padding:11px;border:1px solid #b9cbd6;border-radius:8px;width:100%}button{font:inherit;font-weight:800;background:#0b5d8c;color:#fff;border:0;padding:13px;border-radius:9px}
footer{background:#10212c;color:#c5d3dc;padding:26px 0;font-size:.9rem}footer a{color:#9fd3f5}.sticky{position:fixed;bottom:0;left:0;right:0;display:none;text-align:center;background:#f2a900;padding:12px;font-weight:800;color:#111;text-decoration:none}
@media(max-width:700px){.sticky{display:block}body{padding-bottom:52px}header .call{display:none}}