:root{
  --navy:#10243a;--navy2:#19364f;--blue:#3c6684;--gold:#b98b3e;
  --ink:#17212b;--muted:#607080;--line:#dfe6ed;--paper:#fff;
  --soft:#f5f7fa;--soft2:#eef3f7;--shadow:0 18px 50px rgba(16,36,58,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--soft);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.7}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.container{width:min(1160px,92%);margin:auto}
header.site-header{background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20;backdrop-filter:blur(12px)}
.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:12px;color:var(--navy);font-weight:800;letter-spacing:-.02em}
.brand-mark{width:40px;height:40px;border-radius:12px;background:linear-gradient(145deg,var(--navy),var(--blue));display:grid;place-items:center;color:#fff;font-weight:900}
.nav-links{display:flex;gap:24px;align-items:center;font-size:.94rem}
.nav-links a{color:#334657;font-weight:600}
.hero{padding:76px 0 54px;background:linear-gradient(180deg,#fff 0%,#f4f7fa 100%)}
.hero-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:50px;align-items:center}
.eyebrow{font-size:.75rem;font-weight:800;letter-spacing:.14em;color:var(--gold);text-transform:uppercase}
h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.5rem,6vw,4.7rem);line-height:1.03;letter-spacing:-.045em;color:var(--navy);margin:12px 0 20px}
h2{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:2rem;line-height:1.15}
h3{color:var(--navy);line-height:1.25}
.hero p{font-size:1.08rem;color:#526476;max-width:720px}
.hero-card{background:var(--navy);color:#fff;padding:30px;border-radius:24px;box-shadow:var(--shadow)}
.hero-card h3{color:#fff;font-family:Georgia,serif;font-size:1.55rem;margin-top:0}
.hero-card p{color:#dbe5ee;font-size:.96rem}
.badge{display:inline-block;padding:7px 10px;border-radius:999px;background:#edf2f6;color:#40586d;font-size:.75rem;font-weight:800}
.section{padding:64px 0}
.section-head{max-width:760px;margin-bottom:30px}
.section-head p{color:var(--muted)}
.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:25px;box-shadow:0 7px 24px rgba(16,36,58,.045);transition:.2s transform,.2s box-shadow}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card .number{font-size:.78rem;color:var(--gold);font-weight:900;letter-spacing:.12em}
.card h3{font-family:Georgia,serif;font-size:1.35rem;margin:10px 0}
.card p{color:var(--muted);font-size:.95rem}
.read{font-weight:800;color:var(--navy)}
.trust{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.trust-item{padding:8px 0}
.trust-item strong{display:block;color:var(--navy);margin-bottom:6px}
.trust-item span{color:var(--muted);font-size:.94rem}
.notice{background:#f7f3ea;border:1px solid #eadfc8;border-radius:18px;padding:22px;color:#4c4b45}
.notice strong{color:#302d26}
.article-shell{max-width:900px;margin:50px auto;background:#fff;border:1px solid var(--line);border-radius:24px;padding:clamp(26px,5vw,58px);box-shadow:var(--shadow)}
.article-meta{display:flex;flex-wrap:wrap;gap:10px;align-items:center;color:var(--muted);font-size:.88rem;margin:14px 0 28px}
.article-shell h1{font-size:clamp(2.25rem,5vw,4rem)}
.article-shell h2{margin-top:42px}
.article-shell h3{margin-top:28px}
.article-shell p,.article-shell li{font-size:1.03rem}
.article-shell ul,.article-shell ol{padding-left:25px}
.official-source{margin:34px 0 0;padding:23px;border:1px solid #d7e1ea;border-radius:18px;background:#f7fafc}
.official-source .eyebrow{color:var(--blue)}
.official-source p{font-size:.94rem;color:#536273}
.official-source a{font-weight:800}
.source-note{border-top:1px solid #dfe6ed;padding-top:14px}
.breadcrumbs{font-size:.82rem;color:var(--muted);margin-bottom:20px}
.breadcrumbs a{font-weight:700}
.quick{background:#f4f7f9;border-left:4px solid var(--blue);padding:18px 20px;border-radius:10px;margin:25px 0}
footer{background:var(--navy);color:#d8e2eb;padding:48px 0}
footer a{color:#dce8f1}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:35px}
footer h3{color:#fff;font-family:Georgia,serif}
.small{font-size:.86rem;color:#9fb1c1}
@media(max-width:850px){
 .hero-grid,.guides,.trust-grid,.footer-grid{grid-template-columns:1fr}
 .nav-links{display:none}
 .hero{padding:52px 0 36px}
}
@media(max-width:560px){
 .container{width:min(94%,1160px)}
 .card{padding:21px}
 .article-shell{border-radius:16px;margin:25px auto;padding:24px 20px}
}