:root{--navy:#0F1B2D;--orange:#FF6B1A;--ink:#1c2533;--muted:#5b6575;--line:#e3e6ea;--bg:#ffffff;--soft:#f5f6f8}
*{box-sizing:border-box}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--navy)}
.wrap{max-width:880px;margin:0 auto;padding:0 20px}
header{border-bottom:1px solid var(--line);background:#fff}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:700;letter-spacing:.04em}
.brand img{width:40px;height:auto}
nav a{margin-left:20px;text-decoration:none;color:var(--muted);font-size:15px}
nav a:hover{color:var(--navy)}
.hero{background:var(--navy);color:#fff;padding:88px 0 80px}
.hero h1{font-size:44px;line-height:1.15;margin:0 0 16px;font-weight:700}
.hero p{font-size:20px;color:#c9d1dc;max-width:620px;margin:0 0 32px}
.rule{width:64px;height:3px;background:var(--orange);margin-bottom:28px}
.btn{display:inline-block;background:var(--orange);color:#fff;text-decoration:none;padding:14px 26px;border-radius:6px;font-weight:600}
.btn:hover{filter:brightness(.95)}
section{padding:64px 0}
h2{color:var(--navy);font-size:28px;margin:0 0 24px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.step{border:1px solid var(--line);border-radius:8px;padding:22px}
.step b{display:block;color:var(--orange);font-size:14px;letter-spacing:.08em;margin-bottom:6px}
.step h3{margin:0 0 6px;font-size:18px;color:var(--navy)}
.step p{margin:0;color:var(--muted);font-size:15px}
.soft{background:var(--soft)}
ul.checks{padding-left:20px;margin:0}
ul.checks li{margin-bottom:8px}
footer{border-top:1px solid var(--line);padding:28px 0;color:var(--muted);font-size:14px}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
.policy h1{color:var(--navy);font-size:34px;margin:48px 0 4px}
.policy .eff{color:var(--muted);margin:0 0 32px}
.policy h2{font-size:22px;margin:40px 0 12px}
.policy table{width:100%;border-collapse:collapse;margin:12px 0 16px;font-size:15px}
.policy th,.policy td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.policy th{background:var(--soft);color:var(--navy)}
.policy{padding-bottom:64px}
@media (max-width:700px){.hero h1{font-size:32px}.hero p{font-size:18px}.steps{grid-template-columns:1fr}nav a{margin-left:14px}.policy table{display:block;overflow-x:auto}}