:root{
  --navy:#0f2859; --blue:#1E3A8A; --orange:#FF8C00; --text:#17233a;
  --muted:#63738f; --line:#dfe7f2; --bg:#f4f7fb; --white:#fff;
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;background:var(--bg);color:var(--text)}
a{color:inherit}.container{width:min(1180px,92%);margin:auto}
.legal-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);box-shadow:0 4px 18px rgba(15,40,89,.05)}
.legal-nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.legal-logo img{width:220px;max-height:54px;object-fit:contain;object-position:left}
.legal-links{display:flex;align-items:center;gap:26px;font-size:14px;font-weight:700;color:#263a60}
.legal-links a{text-decoration:none}.legal-links a:hover{color:var(--blue)}
.hero{padding:34px 0 0}
.hero-card{overflow:hidden;border-radius:28px;padding:38px;background:
 radial-gradient(circle at 88% 18%,rgba(0,194,255,.18),transparent 20%),
 radial-gradient(circle at 72% 115%,rgba(255,140,0,.18),transparent 28%),
 linear-gradient(135deg,#0d234d,#173f89 58%,#0e2d66);color:#fff;box-shadow:0 24px 60px rgba(17,45,95,.2)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:34px;align-items:center}
.breadcrumb{font-size:13px;color:#c0d0eb;margin-bottom:10px}.breadcrumb a{color:#fff;text-decoration:none}
.hero h1{font-size:46px;line-height:1.04;margin:8px 0 14px;letter-spacing:-.04em}
.hero p{margin:0;max-width:760px;color:#e5edfb;font-size:16px;line-height:1.75}
.badges{display:flex;flex-wrap:wrap;gap:9px;margin-top:20px}.badge{padding:9px 12px;border:1px solid rgba(255,255,255,.18);border-radius:999px;background:rgba(255,255,255,.08);font-size:12px;font-weight:700}
.brand-panel{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:22px;padding:22px;text-align:center}
.brand-panel img{width:100%;max-width:260px;max-height:135px;object-fit:contain;filter:drop-shadow(0 10px 22px rgba(0,0,0,.22))}
.brand-panel small{display:block;margin-top:8px;color:#c8d7ef}
.layout{display:grid;grid-template-columns:270px minmax(0,1fr);gap:28px;padding:28px 0 76px;align-items:start}
.sidebar{position:sticky;top:100px}.side-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:18px;box-shadow:0 12px 30px rgba(18,43,87,.05);margin-bottom:14px}
.side-card strong{display:block;color:var(--navy);margin-bottom:10px}
.side-card a{display:flex;justify-content:space-between;text-decoration:none;padding:9px 10px;border-radius:10px;color:var(--muted);font-size:13px}.side-card a:hover{background:#f1f5fb;color:var(--blue)}
.help{background:linear-gradient(135deg,#fff7eb,#fff)}.help p{color:#6e5f4e;font-size:13px;line-height:1.6}.help .btn{display:block;text-align:center;background:var(--orange);color:#fff;font-weight:800;padding:11px;border-radius:11px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:18px}.stat{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:0 10px 25px rgba(18,43,87,.04)}.stat span{display:block;color:#8894aa;font-size:12px;margin-bottom:6px}.stat strong{color:var(--blue);font-size:15px}
.summary,.section{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:0 12px 30px rgba(18,43,87,.05);margin-bottom:18px}
.summary{position:relative;overflow:hidden;padding:24px 26px 24px 30px}.summary:before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:linear-gradient(var(--orange),#ffb14a)}
.summary h2,.section h2{margin:0 0 10px;color:var(--navy)}.summary p,.section p,.section li{color:#596b87;line-height:1.75}
.section{padding:28px}.section h2{font-size:22px;display:flex;align-items:center;gap:10px}.num{width:34px;height:34px;border-radius:11px;background:#eaf1ff;color:var(--blue);display:inline-grid;place-items:center;font-size:13px;flex:0 0 34px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:14px}.tile{padding:17px;border-radius:15px;border:1px solid var(--line);background:#fbfcfe}.tile strong{display:block;color:#173a89;margin-bottom:6px}.tile p{margin:0;font-size:14px}
.callout{margin-top:16px;padding:16px 18px;border-radius:14px;background:#eef5ff;border:1px solid #d7e5fb;color:#45617f;font-size:14px;line-height:1.65}.callout.warn{background:#fff7eb;border-color:#f1ddbc;color:#705a3b}
.steps{display:grid;gap:14px;margin-top:14px}.step{display:grid;grid-template-columns:42px 1fr;gap:14px;padding:16px;border:1px solid var(--line);border-radius:15px;background:#fbfcfe}.stepno{width:42px;height:42px;border-radius:13px;background:linear-gradient(135deg,#173a89,#2459bf);color:#fff;display:grid;place-items:center;font-weight:900}.step strong{color:#173a89}.step p{margin:4px 0 0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:14px}.box{padding:18px;border-radius:16px;border:1px solid var(--line)}.box.good{background:#f5fbf7;border-color:#cfe7d6}.box.warn{background:#fff9ef;border-color:#f2dfbf}.box strong{display:block;margin-bottom:6px}.box.good strong{color:#22613a}.box.warn strong{color:#7a5a22}
.btnrow{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;padding:12px 16px;border-radius:12px;font-weight:800}.btn.primary{background:var(--blue);color:#fff}.btn.secondary{background:#eef4ff;color:var(--blue);border:1px solid #cfdcf1}
.legal-footer{background:#0d234d;color:#dbe6f8;padding:34px 0}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}.legal-footer img{width:230px;max-height:72px;object-fit:contain}.legal-footer strong{display:block;color:#fff;margin-bottom:10px}.legal-footer a{display:block;color:#dbe6f8;text-decoration:none;margin:7px 0;font-size:14px}
@media(max-width:900px){.hero-grid,.layout{grid-template-columns:1fr}.sidebar{position:static}.hero-grid .brand-panel{max-width:320px}.stats{grid-template-columns:1fr}.legal-links{display:none}}
@media(max-width:700px){.hero-card{padding:26px 22px;border-radius:20px}.hero h1{font-size:34px}.grid2,.split,.footer-grid{grid-template-columns:1fr}.legal-logo img{width:185px}.section{padding:22px}}