:root{--navy:#173659;--blue:#2185c7;--ink:#0f172a;--muted:#64748b;--line:#dbe4ee;--bg:#f8fafc}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.7}a{color:var(--blue)}header{background:var(--navy);color:#fff}.nav{max-width:1100px;margin:auto;padding:18px 24px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-size:1.3rem;font-weight:800;color:#fff;text-decoration:none}.links{display:flex;flex-wrap:wrap;gap:18px}.links a{color:#fff;text-decoration:none;font-size:.93rem}.hero{background:linear-gradient(135deg,#173659,#2185c7);color:#fff;padding:64px 24px}.hero div,.content,footer>div{max-width:900px;margin:auto}.hero h1{font-size:clamp(2rem,5vw,3.4rem);line-height:1.1;margin:0 0 12px}.hero p{margin:0;opacity:.9}.content{background:#fff;margin-top:36px;margin-bottom:36px;padding:42px;border:1px solid var(--line);border-radius:18px;box-shadow:0 12px 35px rgba(15,23,42,.06)}h2{color:var(--navy);margin-top:34px;line-height:1.25}h2:first-child{margin-top:0}h3{color:var(--navy)}ul{padding-left:22px}.notice{background:#eef7fd;border-left:4px solid var(--blue);padding:16px 18px;margin:24px 0;border-radius:0 10px 10px 0}.merchant{background:#f8fafc;border:1px solid var(--line);padding:18px;border-radius:12px;margin-top:30px}footer{background:#102a47;color:#dbe7f3;padding:38px 24px}footer a{color:#fff}.footer-links{display:flex;flex-wrap:wrap;gap:14px;margin:18px 0}.updated{font-size:.9rem;color:var(--muted)}@media(max-width:700px){.nav{align-items:flex-start;flex-direction:column}.content{margin:20px 14px;padding:26px}.hero{padding:48px 20px}.links{gap:12px}}