/* Set 1 — centered document, navy, single column */
:root {
  --ink: #142033;
  --muted: #4a5a73;
  --line: #d5deea;
  --paper: #f3f6fb;
  --card: #ffffff;
  --navy: #163e86;
  --navy-deep: #0d2b61;
  --cta: #1b4dad;
  --cta-hover: #123a86;
  --soft: #e8eef8;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Palatino Linotype", Palatino, "Songti SC", "SimSun", serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.75;
  font-size: 17px;
}
.skip {
  position: absolute; left: -999px; top: 0;
}
.skip:focus { left: 12px; top: 12px; background: #fff; padding: 8px; }
.top {
  background: var(--navy-deep);
  color: #fff;
  border-bottom: 4px solid #c9a227;
}
.top-inner {
  max-width: 820px;
  margin: 0 auto;
  padding: 18px 22px 16px;
  text-align: center;
}
.brand {
  font-size: 28px;
  letter-spacing: 0.12em;
  font-weight: 700;
  color: #fff;
  text-decoration: none;
  display: inline-block;
  margin-bottom: 10px;
}
.nav { display: flex; justify-content: center; gap: 22px; flex-wrap: wrap; }
.nav a {
  color: #d7e3f7;
  text-decoration: none;
  font-size: 15px;
  padding: 4px 0;
  border-bottom: 2px solid transparent;
}
.nav a:hover { color: #fff; }
.nav a.current { color: #fff; border-bottom-color: #c9a227; }
.wrap { max-width: 820px; margin: 0 auto; padding: 28px 22px 64px; }
.hero {
  background: var(--card);
  border: 1px solid var(--line);
  padding: 36px 32px 32px;
  margin-bottom: 28px;
  box-shadow: 0 8px 24px rgba(20, 32, 51, 0.06);
}
.hero h1 {
  font-size: 30px;
  line-height: 1.35;
  color: var(--navy-deep);
  margin-bottom: 14px;
}
.lead { color: var(--muted); margin-bottom: 20px; }
.cta {
  display: inline-block;
  background: var(--cta);
  color: #fff;
  text-decoration: none;
  padding: 12px 26px;
  font-size: 16px;
  border-radius: 2px;
}
.cta:hover { background: var(--cta-hover); }
.cta svg { width: 16px; height: 16px; vertical-align: -2px; margin-right: 6px; }
.note { font-size: 13px; color: var(--muted); margin-top: 12px; }
.block {
  background: var(--card);
  border: 1px solid var(--line);
  border-left: 6px solid var(--navy);
  padding: 22px 26px 24px;
  margin-bottom: 20px;
}
.block h2 { font-size: 22px; color: var(--navy); margin-bottom: 10px; line-height: 1.4; }
.block p { margin-bottom: 12px; color: var(--ink); }
.block ul, .block ol { margin: 8px 0 12px 22px; color: var(--ink); }
.block li { margin-bottom: 6px; }
.facts {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
  margin: 12px 0;
}
.facts li { list-style: none; background: var(--soft); padding: 10px 12px; margin-left: 0; }
.faq-item { border-top: 1px solid var(--line); padding: 12px 0; }
.faq-item:first-of-type { border-top: 0; }
.faq-item h3 { font-size: 17px; margin-bottom: 6px; color: var(--navy-deep); }
.foot {
  background: #0f1c33;
  color: #c5d0e0;
  padding: 28px 22px 36px;
  font-size: 13px;
  line-height: 1.7;
}
.foot-inner { max-width: 820px; margin: 0 auto; text-align: center; }
.foot p { margin-bottom: 10px; }
.foot nav { margin-bottom: 12px; }
.foot nav a { color: #d7e3f7; margin: 0 8px; text-decoration: none; }
@media (max-width: 640px) {
  .hero { padding: 24px 18px; }
  .hero h1 { font-size: 24px; }
  .block { padding: 18px; }
}