:root{--ink:#173245;--muted:#5c7180;--paper:#f4f7f6;--card:#fff;--teal:#087a70;--gold:#d2b574;--line:#d9e2e4}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 Arial,Helvetica,sans-serif}a{color:var(--teal);text-underline-offset:3px}.wrap{width:min(920px,calc(100% - 40px));margin:auto}.top{border-top:6px solid var(--gold);background:var(--ink);color:#fff;padding:20px 0}.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-weight:700;letter-spacing:.04em}.top a{color:#fff;text-decoration:none}.hero{padding:84px 0 62px}.eyebrow{margin:0 0 14px;color:var(--teal);font-size:.78rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase}h1{max-width:760px;margin:0;font-size:clamp(2.5rem,7vw,5.2rem);line-height:.98;letter-spacing:-.055em}h2{margin:0 0 16px;font-size:clamp(1.55rem,3vw,2.2rem);line-height:1.15;letter-spacing:-.025em}.lede{max-width:690px;margin:28px 0 0;color:var(--muted);font-size:1.2rem}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:0 0 72px}.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:28px}.num{display:block;margin-bottom:28px;color:var(--gold);font-weight:700}.card h2{font-size:1.15rem}.card p{margin:0;color:var(--muted)}.statement{margin:0 0 72px;padding:38px;border-left:5px solid var(--teal);background:#e7f1ef}.statement p{max-width:760px;margin:0;font-size:1.25rem}.detail{display:grid;grid-template-columns:1fr 1fr;gap:42px;padding:0 0 80px}.detail p{color:var(--muted)}.button{display:inline-block;margin-top:12px;padding:11px 16px;border:1px solid var(--teal);border-radius:8px;text-decoration:none;font-weight:700}.policy{padding:70px 0 90px}.policy h1{font-size:clamp(2.4rem,6vw,4.5rem)}.policy article{max-width:760px;margin-top:48px;background:var(--card);border:1px solid var(--line);border-radius:16px;padding:clamp(25px,5vw,54px)}.policy h2{margin-top:42px;font-size:1.35rem}.policy h2:first-child{margin-top:0}.policy li{margin:7px 0}.meta{color:var(--muted)}footer{padding:26px 0;border-top:1px solid var(--line);color:var(--muted);font-size:.9rem}footer .wrap{display:flex;justify-content:space-between;gap:20px}@media(max-width:720px){.grid,.detail{grid-template-columns:1fr}.hero{padding-top:58px}.top .wrap,footer .wrap{align-items:flex-start;flex-direction:column}.grid{margin-bottom:52px}}