:root {
  --ink: #172033;
  --muted: #5e6676;
  --brand: #5548d9;
  --brand-dark: #3930a8;
  --accent: #14818c;
  --background: #f5f7fb;
  --card: #ffffff;
  --line: #dfe4ee;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--background);
  line-height: 1.65;
}
a { color: var(--brand-dark); }
.wrap {
  width: min(1080px, calc(100% - 40px));
  margin: 0 auto;
}
header {
  background: var(--card);
  border-bottom: 1px solid var(--line);
}
nav {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  color: var(--ink);
  font-size: 1.05rem;
  font-weight: 800;
  text-decoration: none;
}
nav a:last-child { font-weight: 650; }
main { padding: 48px 0 64px; }
.hero {
  padding: 56px;
  color: white;
  border-radius: 26px;
  background: linear-gradient(135deg, var(--brand), var(--accent));
  box-shadow: 0 18px 50px rgba(35, 42, 92, .16);
}
.kicker {
  margin: 0 0 10px;
  font-weight: 750;
  text-transform: uppercase;
  letter-spacing: .08em;
  opacity: .9;
}
h1 {
  margin: 0 0 18px;
  max-width: 800px;
  font-size: clamp(2.2rem, 6vw, 4.4rem);
  line-height: 1.05;
}
h2 { margin-top: 48px; font-size: 1.8rem; }
h3 { margin-top: 0; }
.lead {
  max-width: 760px;
  margin: 0;
  font-size: 1.16rem;
}
.grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.card, .panel {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 26px;
}
.panel { margin-top: 24px; }
.muted { color: var(--muted); }
.policy {
  max-width: 850px;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 38px;
}
.policy h1 {
  color: var(--ink);
  font-size: clamp(2rem, 5vw, 3.3rem);
}
.policy h2 { margin-top: 36px; font-size: 1.4rem; }
footer {
  padding: 28px 0;
  background: var(--card);
  border-top: 1px solid var(--line);
  color: var(--muted);
}
footer .wrap {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}
@media (max-width: 760px) {
  .hero { padding: 34px 26px; }
  .grid { grid-template-columns: 1fr; }
  .policy { padding: 26px; }
}