:root{--navy:#10233f;--wine:#8f1d3f;--line:#e5ebf2;--muted:#65758b;--bg:#f5f8fc}
*{box-sizing:border-box}body{margin:0;font-family:Inter,Arial,sans-serif;color:#203149;background:var(--bg);line-height:1.72}
a{color:var(--wine);text-decoration:none}a:hover{text-decoration:underline}
.topbar{background:#0b1b31;color:#dce5ef;font-size:12px;padding:8px 0}
.site-wrap{width:min(1160px,calc(100% - 36px));margin:auto}
.site-header{position:sticky;top:0;z-index:30;background:#fff;border-bottom:1px solid var(--line)}
.navrow{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.brand{font-size:24px;font-weight:900;color:var(--navy);text-decoration:none}.brand span{color:var(--wine)}
nav{display:flex;gap:16px;flex-wrap:wrap;font-size:14px;font-weight:700}nav a{color:#35465d}nav a:hover{color:var(--wine)}
main{max-width:1160px;margin:35px auto;padding:0 18px}
.hero{background:linear-gradient(120deg,#10233f,#1b4565);color:#fff;border-radius:20px;padding:38px clamp(22px,5vw,52px);margin-bottom:22px}
.crumb{font-size:13px;color:#8b98a9;margin-bottom:10px}.hero .crumb{color:#d7e1ec}
h1{font-size:clamp(32px,5vw,48px);line-height:1.13;letter-spacing:-1.4px;margin:10px 0 14px}
.hero p{max-width:850px;color:#e1eaf1;font-size:18px;margin:0}
.hero .kicker{font-size:12px;text-transform:uppercase;letter-spacing:1.5px;font-weight:800;color:#f1c7d4}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:22px;align-items:start}
article,.side{background:#fff;border:1px solid var(--line);border-radius:16px;padding:clamp(20px,3vw,34px);box-shadow:0 8px 28px rgba(16,35,63,.045)}
article h2{font-size:26px;line-height:1.25;color:var(--navy);margin:34px 0 10px}
article h3{font-size:19px;color:var(--navy);margin:23px 0 7px}
article p{margin:10px 0;color:#43546a}
article li{margin:8px 0;color:#43546a}
.lead{font-size:19px;color:#43546a}
.callout{border-left:4px solid var(--wine);background:#fbf1f4;padding:16px 18px;margin:22px 0;border-radius:0 12px 12px 0}
.toc{background:#f8fafc;border:1px solid var(--line);border-radius:12px;padding:17px 20px;margin:20px 0}
.toc b{display:block;margin-bottom:8px}.toc ul{margin:0;padding-left:20px;columns:2}.toc li{break-inside:avoid;margin:5px 0}
.side h3{margin:0 0 10px;color:var(--navy)}.side a{display:block;padding:9px 0;border-bottom:1px solid var(--line);font-weight:700;font-size:14px}
.faq details{border-bottom:1px solid var(--line);padding:13px 0}.faq summary{font-weight:800;cursor:pointer;color:var(--navy)}
.adbox{border:1px dashed #cbd4df;border-radius:10px;padding:18px;text-align:center;color:#94a0ae;font-size:12px;margin:20px 0}
footer{background:#0b1b31;color:#c9d6e6;padding:26px 0;margin-top:45px;font-size:13px}
.footlinks{display:flex;gap:18px;flex-wrap:wrap;margin:10px 0}.footlinks a{color:#fff}
@media(max-width:850px){.content-grid{grid-template-columns:1fr}nav{gap:10px}.toc ul{columns:1}}
@media(max-width:600px){.navrow{padding:12px 0}nav{font-size:12px}.hero{padding:28px 20px}article h2{font-size:23px}}