:root{--blue:#1c77c3;--navy:#17344f;--cyan:#45a6cc;--ink:#27343f;--muted:#697884;--soft:#f5f9fc;--line:#dce7ee;--dark:#12293c}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.66;background:#fff}
a{text-decoration:none;color:inherit}img{max-width:100%;display:block}.wrap{width:min(1180px,92%);margin:auto}
.top{background:var(--dark);color:#e7f1f8;padding:8px 0;font-size:13px}.top .wrap{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:25}.nav{min-height:84px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:12px}.brand img{width:50px;height:50px;border-radius:50%}.brand strong{font-size:20px;color:var(--navy)}.brand small{display:block;font-size:10px;letter-spacing:1.4px;text-transform:uppercase;color:#72818d}
nav{display:flex;gap:18px;font-size:12px;font-weight:700}nav a:hover{color:var(--blue)}.appt{background:var(--blue);color:#fff!important;padding:11px 15px;border-radius:5px}
.hero{min-height:650px;background:linear-gradient(90deg,rgba(255,255,255,.96),rgba(255,255,255,.2)),url('/assets/img/hero.svg') center/cover no-repeat;display:flex;align-items:center}.content{max-width:760px;padding:90px 0}.kicker{text-transform:uppercase;letter-spacing:3px;font-size:11px;font-weight:800;color:var(--blue)}
h1,h2,h3{line-height:1.14;margin-top:0}h1{font-size:clamp(48px,7vw,78px);margin:12px 0 22px}h2{font-size:clamp(34px,5vw,50px)}h3{font-size:24px}.lead{font-size:19px;color:var(--muted)}
.btn{display:inline-block;margin-top:18px;padding:13px 22px;background:var(--navy);color:#fff;text-transform:uppercase;font-size:12px;font-weight:800;letter-spacing:1px;border-radius:5px}
.section{padding:82px 0}.soft{background:var(--soft)}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{border:1px solid var(--line);background:#fff;padding:26px;border-radius:10px}.card img{width:calc(100% + 52px);height:225px;object-fit:cover;margin:-26px -26px 20px;max-width:none}.card p{color:var(--muted)}
.pagehero{padding:92px 0 56px;background:linear-gradient(135deg,#edf7fd,#fff)}.pagehero h1{color:var(--navy)}.content-grid{display:grid;grid-template-columns:1.75fr .8fr;gap:42px}.side{background:#f5f9fc;padding:28px;border:1px solid var(--line);border-radius:10px;align-self:start}
.list{border-top:1px solid var(--line);margin-top:22px}.row{display:flex;justify-content:space-between;gap:16px;padding:15px 0;border-bottom:1px solid var(--line)}.notice{border-left:4px solid var(--cyan);padding:16px 18px;background:#f0f9fd;margin:22px 0}.article h2{font-size:31px;margin-top:34px;color:#23577e}.article p,.article li{color:#5e6c77}
footer{background:#12293c;color:#e5eef5;padding:58px 0 24px}.cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:38px}footer h3{color:#fff}footer a{display:block;color:#e5eef5;margin:7px 0}.copy{border-top:1px solid #345066;margin-top:35px;padding-top:18px;color:#aabac6;font-size:13px}
@media(max-width:950px){nav{display:none}.grid2,.grid3,.content-grid,.cols{grid-template-columns:1fr}}