:root{--navy:#0b2e46;--navy2:#123f5d;--gold:#d7ad36;--ink:#20313f;--muted:#5f6f7b;--bg:#f5f7f9;--white:#fff;--green:#16784a;--red:#a93a32;--line:#dde4e9;--shadow:0 14px 36px rgba(15,44,64,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.68;background:#fff}img{max-width:100%;height:auto}a{color:#0b5f92}.container{width:min(1160px,calc(100% - 32px));margin:auto}.site-header{position:sticky;top:0;z-index:100;background:rgba(11,46,70,.97);box-shadow:0 6px 20px rgba(0,0,0,.16)}.header-inner{min-height:66px;display:flex;align-items:center;gap:22px}.brand{color:#fff;text-decoration:none;font-weight:900;letter-spacing:.4px;font-size:1.18rem;white-space:nowrap}.brand span{color:var(--gold)}.nav{display:flex;gap:18px;margin-left:auto;align-items:center}.nav a{color:#fff;text-decoration:none;font-size:.92rem}.nav a:hover{text-decoration:underline}.hotline{background:var(--gold)!important;color:#111!important;padding:9px 15px;border-radius:999px;font-weight:800}.hero{position:relative;min-height:620px;display:grid;align-items:center;overflow:hidden;background:var(--navy)}.hero-media{position:absolute;inset:0}.hero-media img{width:100%;height:100%;object-fit:cover}.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,29,46,.94) 0%,rgba(5,29,46,.78) 46%,rgba(5,29,46,.30) 100%)}.hero-content{position:relative;z-index:2;color:#fff;max-width:790px;padding:88px 0}.eyebrow{display:inline-block;background:rgba(215,173,54,.16);border:1px solid rgba(215,173,54,.65);color:#ffe396;border-radius:999px;padding:7px 14px;font-weight:800}.hero h1{font-size:clamp(2.25rem,5vw,4.35rem);line-height:1.08;margin:18px 0 18px;letter-spacing:-1.5px}.hero .lead{font-size:clamp(1.05rem,2vw,1.3rem);max-width:760px;color:#eef5f8}.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:11px 20px;border-radius:999px;text-decoration:none;font-weight:850;border:2px solid transparent}.btn-primary{background:var(--gold);color:#111}.btn-secondary{border-color:#fff;color:#fff;background:rgba(255,255,255,.06)}.trust-strip{background:var(--navy);color:#fff}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.14)}.trust-item{padding:20px;background:var(--navy);text-align:center}.trust-item strong{display:block;color:var(--gold);font-size:1.05rem}.section{padding:78px 0}.section.alt{background:var(--bg)}.section h2{font-size:clamp(1.8rem,3.3vw,2.8rem);line-height:1.2;margin:0 0 18px;color:var(--navy)}.section h3{color:var(--navy);line-height:1.3}.intro{font-size:1.12rem;color:#344d5d;max-width:900px}.grid{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:var(--shadow)}.card h3{margin-top:0}.facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0;border:1px solid var(--line);border-radius:20px;overflow:hidden;background:#fff}.fact{padding:17px 20px;border-bottom:1px solid var(--line)}.fact:nth-child(odd){border-right:1px solid var(--line)}.fact strong{display:block;color:var(--navy);font-size:.88rem;text-transform:uppercase;letter-spacing:.4px}.media-card{overflow:hidden;padding:0}.media-card img{width:100%;aspect-ratio:16/10;object-fit:cover;display:block}.media-card figcaption{padding:12px 16px;color:var(--muted);font-size:.92rem}.checklist{padding-left:0;list-style:none}.checklist li{position:relative;padding-left:29px;margin:10px 0}.checklist li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:900}.warning{border-left:5px solid var(--gold);background:#fff9e9;padding:18px 20px;border-radius:12px}.toc{background:#eef4f7;border:1px solid #d6e2e8;border-radius:18px;padding:20px}.toc strong{color:var(--navy)}.toc ul{columns:2;margin-bottom:0}.toc a{text-decoration:none}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:34px}.article-content h2{scroll-margin-top:90px;margin-top:54px}.article-content h3{margin-top:30px}.sidebar{position:relative}.sticky{position:sticky;top:88px}.related a{display:block;padding:10px 0;border-bottom:1px solid var(--line);text-decoration:none}.badge{display:inline-block;padding:5px 10px;border-radius:999px;background:#e9f2f6;color:var(--navy);font-size:.82rem;font-weight:800;margin:3px}.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:15px 18px;margin:12px 0}.faq summary{cursor:pointer;font-weight:850;color:var(--navy)}.author-box{display:flex;gap:16px;align-items:flex-start;background:#eef4f7;border-radius:18px;padding:20px}.author-avatar{width:54px;height:54px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:900}.form-wrap{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:24px;padding:30px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.form-grid .full{grid-column:1/-1}.form-control{width:100%;min-height:48px;border:1px solid rgba(255,255,255,.35);border-radius:12px;padding:11px 13px;font:inherit}.form-message{font-weight:800;margin-top:10px}.breadcrumbs{font-size:.9rem;color:var(--muted);padding:18px 0}.breadcrumbs a{text-decoration:none}.article-hero{background:linear-gradient(135deg,var(--navy),#185a7d);color:#fff;padding:64px 0}.article-hero h1{font-size:clamp(2rem,4.2vw,3.6rem);line-height:1.12;margin:12px 0}.article-hero p{max-width:850px;font-size:1.15rem;color:#e7f2f7}.meta{font-size:.9rem;color:#d3e3ea}.footer{background:#071f31;color:#c8d5dc;padding:42px 0}.footer a{color:#ffe18a}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.small{font-size:.9rem;color:var(--muted)}.footer .small{color:#adbec7}.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
@media(max-width:900px){.nav a:not(.hotline){display:none}.trust-grid,.grid-4{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:1fr 1fr}.article-layout{grid-template-columns:1fr}.sticky{position:static}.footer-grid{grid-template-columns:1fr}.hero{min-height:560px}.toc ul{columns:1}}
@media(max-width:620px){.container{width:min(100% - 22px,1160px)}.hero-content{padding:68px 0}.hero::after{background:linear-gradient(90deg,rgba(5,29,46,.94),rgba(5,29,46,.72))}.trust-grid,.grid-2,.grid-3,.grid-4,.facts,.form-grid{grid-template-columns:1fr}.fact:nth-child(odd){border-right:0}.nav{gap:8px}.brand{font-size:1rem}.hotline{padding:8px 11px;font-size:.84rem}.section{padding:58px 0}.article-hero{padding:48px 0}.form-grid .full{grid-column:auto}}