* { margin: 0; padding: 0; box-sizing: border-box; }
    body { font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif; color: #333; line-height: 1.6; background: #f8f9fa; }
    .logo-bar { background: #fff; text-align: center; padding: 16px 20px; border-bottom: 1px solid #e9ecef; }
    .logo-bar img { max-width: 280px; width: 100%; height: auto; }
    .hero { background: linear-gradient(135deg, #0b1d3a 0%, #1a3a5c 100%); color: #fff; text-align: center; padding: 40px 20px 32px; }
    .hero h1 { font-size: 32px; font-weight: 800; line-height: 1.2; }
    .hero .effective { font-size: 14px; opacity: 0.6; margin-top: 8px; }
    .content { max-width: 720px; margin: 0 auto; padding: 40px 20px 60px; }
    .content p { font-size: 15px; color: #555; margin-bottom: 18px; }
    .content h2 { font-size: 20px; font-weight: 700; color: #0b1d3a; margin-bottom: 14px; margin-top: 32px; }
    .content ul { margin: 12px 0 20px; padding-left: 24px; }
    .content ul li { font-size: 15px; color: #555; margin-bottom: 8px; }
    .content a { color: #1690fa; text-decoration: none; }
    .content a:hover { text-decoration: underline; }
    .contact-block { background: #fff; border-radius: 8px; padding: 24px; margin: 24px 0; border: 1px solid #e9ecef; }
    .contact-block p { margin-bottom: 6px; color: #333; font-size: 15px; }
    .contact-block a { color: #1690fa; }
    .footer { background: #0b1d3a; color: rgba(255,255,255,0.6); text-align: center; padding: 32px 20px 24px; font-size: 14px; }
    .footer-links { margin-bottom: 16px; }
    .footer-links a { color: rgba(255,255,255,0.7); text-decoration: none; margin: 0 12px; transition: color 0.2s; }
    .footer-links a:hover { color: #fff; }
    .footer-copy { font-size: 13px; opacity: 0.5; }
    @media (max-width: 600px) { .hero h1 { font-size: 26px; } .footer-links a { display: inline-block; margin: 4px 10px; } }