:root {
    --navy-950: #08284f;
    --navy-900: #103d73;
    --navy-800: #174b86;
    --navy-100: #e9f2ff;
    --red-600: #ef3340;
    --red-700: #d92333;
    --gold-500: #ffb000;
    --ink-900: #102a4c;
    --ink-700: #40536c;
    --ink-500: #6d7d93;
    --line: #cfdaea;
    --panel: #ffffff;
    --canvas: #eef4fa;
    --canvas-deep: #e4edf7;
    --success-bg: #e8f8ee;
    --success-text: #176a3a;
    --shadow: 0 18px 42px rgba(16, 42, 76, 0.12);
    --radius-xl: 24px;
    --radius-lg: 18px;
    --radius-md: 13px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    margin: 0;
    font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    color: var(--ink-900);
    background:
        radial-gradient(circle at 13% 7%, rgba(255, 255, 255, 0.92), transparent 28rem),
        linear-gradient(180deg, var(--canvas) 0%, #f7faff 100%);
    line-height: 1.65;
    min-height: 100vh;
}

a { color: var(--navy-800); }
a:hover { color: var(--red-600); }

.skip-link {
    position: fixed;
    left: 12px;
    top: -80px;
    z-index: 9999;
    padding: 10px 14px;
    color: #fff;
    background: var(--navy-950);
    border-radius: 8px;
}
.skip-link:focus { top: 12px; }

.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255, 255, 255, 0.97);
    backdrop-filter: blur(14px);
    border-bottom: 1px solid rgba(207, 218, 234, 0.8);
}
.site-header__inner,
.page-shell,
.site-footer__inner {
    width: min(1540px, calc(100% - 44px));
    margin: 0 auto;
}
.site-header__inner {
    min-height: 82px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 28px;
}
.brand {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    color: var(--ink-900);
}
.brand__mark {
    width: 52px;
    height: 52px;
    display: grid;
    place-items: center;
    border: 1px solid var(--line);
    border-radius: 14px;
    background: #fff;
    box-shadow: 0 8px 20px rgba(16, 42, 76, 0.08);
}
.brand__cart {
    display: grid;
    place-items: center;
    width: 34px;
    height: 34px;
    border-radius: 10px;
    color: #fff;
    font-size: 12px;
    font-weight: 900;
    letter-spacing: .05em;
    background: linear-gradient(145deg, var(--red-600), var(--navy-900));
    box-shadow: inset 0 -4px 0 rgba(0, 0, 0, .12);
}
.brand__text { display: grid; line-height: 1.15; }
.brand__text strong { font-size: 18px; }
.brand__text small {
    margin-top: 5px;
    font-weight: 800;
    color: var(--ink-500);
    font-size: 10px;
    letter-spacing: .14em;
}
.public-nav {
    display: flex;
    align-items: center;
    gap: 7px;
}
.public-nav a {
    padding: 11px 14px;
    border-radius: 11px;
    text-decoration: none;
    color: var(--ink-900);
    font-weight: 800;
    font-size: 14px;
}
.public-nav a:hover,
.public-nav a.is-active {
    background: var(--navy-100);
    color: var(--navy-900);
}
.public-nav .public-nav__login {
    margin-left: 6px;
    color: #fff;
    background: var(--navy-900);
    box-shadow: 0 8px 18px rgba(16, 61, 115, .20);
}
.public-nav .public-nav__login:hover {
    color: #fff;
    background: var(--red-600);
}
.brand-rule {
    height: 3px;
    background: linear-gradient(90deg, var(--red-600), var(--red-600) 47%, var(--gold-500));
}
.page-shell { padding: 34px 0 64px; }

.hero {
    position: relative;
    overflow: hidden;
    display: grid;
    grid-template-columns: minmax(0, 1.35fr) minmax(280px, .65fr);
    gap: 38px;
    align-items: center;
    padding: 48px;
    border-radius: var(--radius-xl);
    color: #fff;
    background: linear-gradient(125deg, var(--navy-800), var(--navy-950));
    box-shadow: var(--shadow);
}
.hero::after {
    content: "";
    position: absolute;
    width: 360px;
    height: 360px;
    right: -90px;
    top: -130px;
    border: 42px solid rgba(255, 255, 255, .055);
    border-radius: 50%;
}
.hero__content, .hero__panel { position: relative; z-index: 1; }
.eyebrow {
    margin: 0 0 7px;
    color: var(--gold-500);
    font-size: 12px;
    font-weight: 900;
    letter-spacing: .13em;
    text-transform: uppercase;
}
h1, h2, h3 { line-height: 1.18; }
h1 { margin: 0; font-size: clamp(34px, 5vw, 58px); }
.hero__lead {
    max-width: 800px;
    margin: 17px 0 0;
    color: rgba(255, 255, 255, .88);
    font-size: clamp(17px, 2vw, 21px);
}
.hero__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 28px;
}
.button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 48px;
    padding: 11px 19px;
    border: 1px solid transparent;
    border-radius: 12px;
    text-decoration: none;
    font-weight: 900;
}
.button--primary { background: var(--red-600); color: #fff; }
.button--primary:hover { background: var(--red-700); color: #fff; }
.button--light { background: #fff; color: var(--navy-900); }
.button--light:hover { background: var(--navy-100); color: var(--navy-900); }
.button--outline { border-color: var(--line); background: #fff; color: var(--navy-900); }

.hero__panel {
    padding: 23px;
    border: 1px solid rgba(255, 255, 255, .20);
    border-radius: var(--radius-lg);
    background: rgba(255, 255, 255, .09);
    backdrop-filter: blur(8px);
}
.hero__panel h2 { margin: 0 0 14px; font-size: 21px; }
.check-list { margin: 0; padding: 0; list-style: none; }
.check-list li {
    position: relative;
    padding-left: 29px;
    margin: 12px 0;
    color: rgba(255,255,255,.9);
}
.check-list li::before {
    content: "✓";
    position: absolute;
    left: 0;
    top: 0;
    display: grid;
    place-items: center;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    color: var(--navy-950);
    background: var(--gold-500);
    font-size: 12px;
    font-weight: 1000;
}

.section { margin-top: 28px; }
.section-heading {
    display: flex;
    justify-content: space-between;
    align-items: end;
    gap: 20px;
    margin: 0 0 15px;
}
.section-heading h2 { margin: 0; font-size: clamp(25px, 3vw, 35px); }
.section-heading p { margin: 5px 0 0; color: var(--ink-700); }

.grid-3, .grid-2 {
    display: grid;
    gap: 20px;
}
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.card {
    padding: 26px;
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    background: var(--panel);
    box-shadow: 0 10px 24px rgba(16, 42, 76, .07);
}
.card--accent { border-left: 5px solid var(--red-600); }
.card--navy { border-left: 5px solid var(--navy-900); }
.card h2, .card h3 { margin: 0 0 10px; }
.card p:last-child { margin-bottom: 0; }
.card__icon {
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    margin-bottom: 17px;
    border-radius: 14px;
    color: var(--navy-900);
    background: var(--navy-100);
    font-weight: 1000;
    font-size: 18px;
}

.policy-layout {
    display: grid;
    grid-template-columns: minmax(220px, 300px) minmax(0, 1fr);
    gap: 24px;
    align-items: start;
}
.policy-nav {
    position: sticky;
    top: 108px;
    padding: 20px;
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    background: #fff;
    box-shadow: 0 10px 24px rgba(16, 42, 76, .06);
}
.policy-nav strong { display: block; margin-bottom: 10px; }
.policy-nav a {
    display: block;
    padding: 8px 10px;
    border-radius: 8px;
    color: var(--ink-700);
    text-decoration: none;
    font-size: 14px;
    font-weight: 700;
}
.policy-nav a:hover { background: var(--navy-100); color: var(--navy-900); }
.policy-content {
    padding: 34px;
    border: 1px solid var(--line);
    border-radius: var(--radius-xl);
    background: #fff;
    box-shadow: var(--shadow);
}
.policy-content h1 { font-size: clamp(32px, 4vw, 48px); }
.policy-content h2 {
    margin-top: 38px;
    padding-top: 18px;
    border-top: 1px solid var(--line);
    font-size: 24px;
}
.policy-content h3 { margin-top: 25px; font-size: 18px; }
.policy-content p, .policy-content li { color: var(--ink-700); }
.policy-content li + li { margin-top: 8px; }
.policy-meta {
    display: inline-flex;
    margin: 12px 0 5px;
    padding: 7px 11px;
    border-radius: 999px;
    color: var(--navy-900);
    background: var(--navy-100);
    font-size: 13px;
    font-weight: 800;
}
.notice {
    margin: 20px 0;
    padding: 18px 20px;
    border: 1px solid #bcdcc8;
    border-radius: 13px;
    color: var(--success-text);
    background: var(--success-bg);
}
.notice strong { color: inherit; }

.site-footer {
    color: #dbe8f8;
    background: var(--navy-950);
}
.site-footer__inner {
    display: grid;
    grid-template-columns: 1.2fr .8fr;
    gap: 24px;
    padding: 36px 0;
}
.site-footer p { margin: 7px 0 0; color: #b8cae0; }
.site-footer__links {
    display: flex;
    flex-wrap: wrap;
    align-content: start;
    justify-content: flex-end;
    gap: 10px 16px;
}
.site-footer a { color: #fff; font-weight: 750; }
.site-footer__legal {
    grid-column: 1 / -1;
    padding-top: 20px;
    border-top: 1px solid rgba(255,255,255,.13);
    font-size: 13px;
}

@media (max-width: 960px) {
    .hero, .grid-3, .grid-2, .policy-layout, .site-footer__inner { grid-template-columns: 1fr; }
    .policy-nav { position: static; }
    .site-footer__links { justify-content: flex-start; }
}
@media (max-width: 760px) {
    .site-header__inner { align-items: flex-start; flex-direction: column; padding: 14px 0; }
    .public-nav { width: 100%; overflow-x: auto; padding-bottom: 3px; }
    .public-nav a { white-space: nowrap; }
    .hero { padding: 30px 24px; }
    .policy-content { padding: 24px 20px; }
    .site-header__inner, .page-shell, .site-footer__inner { width: min(100% - 26px, 1540px); }
}