:root{--navy:#0a3161;--red:#b22234;--blue:#3c6ea5;--light:#f4f6fb;--ink:#172033;--gold:#d9a441}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:var(--navy)}header{background:var(--navy);color:#fff;padding:14px 18px}header a{color:#fff;text-decoration:none}.topbar{max-width:1080px;margin:0 auto;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}.logo{font-weight:800;font-size:20px}.logo span{color:#fff}.logo b{color:#ff6b6b}
nav{display:flex;gap:14px;flex-wrap:wrap}nav a{font-size:15px}
main{max-width:1080px;margin:0 auto;padding:20px 18px 60px}.hero{background:linear-gradient(180deg,#fff,#eef3fb);border:1px solid #dbe4f2;border-top:6px solid var(--red);padding:24px;border-radius:12px}
.privacy{background:#fff7e6;border:2px solid var(--gold);padding:14px 16px;border-radius:10px;margin:16px 0}
.privacy strong{color:#7a4a00}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}.card{border:1px solid #dbe4f2;border-radius:12px;padding:18px;background:#fff}.card h3{margin-top:0}
.btn{display:inline-block;background:var(--red);color:#fff;padding:10px 18px;border-radius:8px;text-decoration:none;font-weight:700;border:0;cursor:pointer}.btn2{background:var(--navy)}
label{display:block;margin:10px 0 4px;font-weight:600}input,select,textarea{width:100%;padding:10px;border:1px solid #b9c4d6;border-radius:8px;font-size:16px}input[type=checkbox]{width:auto}
.result{background:var(--light);border:1px solid #dbe4f2;border-radius:10px;padding:16px;margin-top:16px}.ad{border:2px dashed #9aa7bd;color:#5a6b84;text-align:center;padding:14px;border-radius:10px;margin:18px 0;font-size:14px}
footer{background:var(--navy);color:#fff;padding:22px 18px}footer a{color:#cfe0ff}table{width:100%;border-collapse:collapse}th,td{border:1px solid #dbe4f2;padding:8px;text-align:left}th{background:var(--light)}
.small{font-size:14px;color:#4a5568}.warn{background:#fff1f1;border:1px solid #f0b0b0;padding:12px;border-radius:8px}
.flagbar{height:8px;background:linear-gradient(90deg,var(--red) 0 40%,#fff 40% 60%,var(--navy) 60%)}
@media(max-width:640px){.topbar{flex-direction:column;align-items:flex-start}h1{font-size:26px}table{font-size:14px}}