:root{
  --navy:#082a63;--navy2:#031b45;--blue:#1268e8;--blue2:#2a78ee;
  --text:#14213b;--muted:#66728a;--line:#dfe6f1;--soft:#f5f8fc;--white:#fff;
  --shadow:0 10px 28px rgba(12,38,78,.08);--radius:18px;--container:1180px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:#fff;line-height:1.6}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(calc(100% - 36px),var(--container));margin-inline:auto}
.topbar{background:var(--navy);color:#fff;font-size:13px;padding:8px 0;text-align:center}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid #edf1f6}
.nav{display:flex;align-items:center;justify-content:space-between;gap:26px;min-height:74px}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;font-size:25px;color:var(--navy)}
.brand-mark{width:44px;height:44px;border-radius:14px;background:linear-gradient(145deg,var(--navy),var(--blue));color:white;display:grid;place-items:center;font-size:24px}
.brand small{display:block;font-size:10px;font-weight:500;color:#6c788e;line-height:1.25}
.menu{display:flex;align-items:center;gap:28px;font-size:14px;font-weight:600}
.menu a{padding:25px 0;position:relative}
.menu a:hover{color:var(--blue)}
.menu .nav-cta{background:var(--navy);color:#fff;padding:12px 18px;border-radius:12px}
.mobile-toggle{display:none;border:0;background:var(--navy);color:#fff;padding:10px 14px;border-radius:10px;font-weight:700}
.hero{background:linear-gradient(112deg,#062754 0%,#082a63 48%,#0f54b7 100%);color:#fff;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;min-height:430px;align-items:stretch}
.hero-copy{padding:58px 32px 58px 0;display:flex;flex-direction:column;justify-content:center}
.eyebrow,.kicker{display:inline-flex;align-items:center;width:max-content;background:#1873ef;color:#fff;padding:6px 11px;border-radius:999px;font-size:12px;font-weight:800;letter-spacing:.03em;text-transform:uppercase}
.hero h1{font-size:clamp(38px,5vw,64px);line-height:1.03;margin:18px 0 16px;max-width:700px}
.hero p{font-size:17px;color:#d9e8ff;max-width:670px;margin:0}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 20px;border-radius:10px;font-weight:800;font-size:14px;border:1px solid transparent}
.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:#0c5dcc}
.btn-outline{border-color:#8db5ed;color:#fff;background:transparent}.btn-outline:hover{background:rgba(255,255,255,.08)}
.btn-light{background:#fff;color:var(--navy)}
.hero-trust{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:10px}
.trust-item{display:flex;gap:10px;align-items:flex-start;font-size:11px;color:#cfe1ff}
.trust-item strong{display:block;color:#fff;font-size:12px}
.trust-icon{width:30px;height:30px;border:1px solid #7ba8e6;border-radius:10px;display:grid;place-items:center;flex:0 0 auto}
.hero-media{min-width:0;position:relative;background:#071c3d}
.hero-media:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#082a63 0%,rgba(8,42,99,.12) 26%,transparent 48%);z-index:1}
.hero-media img{width:100%;height:100%;object-fit:cover;object-position:center}
.section{padding:58px 0}
.section-soft{background:var(--soft);padding:58px 0}
.section-head{text-align:center;max-width:760px;margin:0 auto 32px}
.section-head h2{font-size:34px;line-height:1.15;margin:0 0 8px}
.section-head p{margin:0;color:var(--muted)}
.level-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
.level-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:25px 18px;box-shadow:var(--shadow);text-align:center;display:flex;flex-direction:column;min-height:245px}
.level-icon{width:50px;height:50px;border-radius:14px;background:#eef5ff;color:var(--blue);display:grid;place-items:center;font-weight:900;margin:0 auto 15px;font-size:23px}
.level-card h3{font-size:18px;line-height:1.15;margin:0 0 10px}
.level-card p{font-size:13px;color:var(--muted);margin:0 0 16px}
.more{margin-top:auto;color:var(--blue);font-size:13px;font-weight:800}
.guide-grid{display:grid;grid-template-columns:repeat(5,1fr);border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff}
.guide-item{text-align:center;padding:28px 20px;border-right:1px solid var(--line)}
.guide-item:last-child{border-right:0}
.guide-item .gi{font-size:28px;color:var(--blue);margin-bottom:8px}
.guide-item strong{display:block;margin-bottom:6px}
.guide-item p{font-size:13px;color:var(--muted);margin:0 0 10px}
.content-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px}
.panel-title{display:flex;align-items:center;justify-content:space-between;gap:18px;margin-bottom:14px}
.panel-title h2{font-size:25px;margin:0}
.panel-title a{font-size:13px;font-weight:800;color:var(--blue)}
.article-row{display:grid;grid-template-columns:110px 1fr;gap:16px;padding:15px 0;border-bottom:1px solid #edf1f6}
.article-row:last-child{border-bottom:0}
.article-row img{width:110px;height:78px;border-radius:10px;object-fit:cover}
.article-row h3{font-size:16px;line-height:1.28;margin:0 0 6px}
.article-row p{font-size:13px;color:var(--muted);margin:0}
.article-date{font-size:11px;color:#8a94a8;margin-top:4px}
.faq details{border-bottom:1px solid #e8edf5;padding:14px 0}
.faq summary{cursor:pointer;font-weight:700;list-style:none;padding-right:24px;position:relative}
.faq summary:after{content:"+";position:absolute;right:0;font-size:20px;color:var(--blue)}
.faq details[open] summary:after{content:"–"}
.faq p{color:var(--muted);font-size:14px}
.cta{margin-top:22px;background:linear-gradient(90deg,#0a2d68,#0d63df);color:#fff;border-radius:16px;padding:23px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.cta strong{font-size:20px}
.sources{text-align:center}
.source-row{display:flex;justify-content:center;align-items:center;gap:54px;flex-wrap:wrap;margin-top:18px}
.source-badge{font-weight:900;font-size:22px;color:#2371d7;background:#fff;border:1px solid var(--line);padding:12px 18px;border-radius:12px}
.site-footer{background:#062654;color:#dbe8ff;padding:44px 0 20px}
.footer-grid{display:grid;grid-template-columns:1.25fr repeat(3,1fr);gap:34px}
.site-footer h3,.site-footer h4{color:#fff;margin-top:0}
.footer-links{display:flex;flex-direction:column;gap:8px;font-size:13px}
.site-footer p{font-size:13px;color:#bcd0ef}
.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:32px;padding-top:18px;font-size:12px;display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap}
.page-hero{background:linear-gradient(135deg,#eef5ff,#fff);padding:52px 0;border-bottom:1px solid var(--line)}
.page-hero h1{font-size:44px;line-height:1.1;margin:8px 0 12px}
.breadcrumbs{font-size:13px;color:var(--muted)}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:34px;padding:44px 0}
.article-content h2{font-size:28px;margin-top:34px}.article-content h3{font-size:21px;margin-top:28px}
.article-content p,.article-content li{color:#3b465d}
.sidebar-card{border:1px solid var(--line);border-radius:16px;padding:20px;position:sticky;top:98px}
.sidebar-card h3{margin-top:0}
.sidebar-card a{display:block;padding:10px 0;border-bottom:1px solid #edf1f6;color:var(--blue);font-weight:700;font-size:14px}
.notice{border-left:4px solid var(--blue);background:#eef5ff;padding:16px 18px;border-radius:10px;margin:22px 0}
@media(max-width:1050px){
  .level-grid{grid-template-columns:repeat(3,1fr)}
  .hero-trust{grid-template-columns:repeat(2,1fr)}
  .guide-grid{grid-template-columns:repeat(2,1fr)}
  .guide-item{border-bottom:1px solid var(--line)}
}
@media(max-width:820px){
  .menu{display:none;position:absolute;top:74px;left:18px;right:18px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:15px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:0}
  .menu.open{display:flex}.menu a{padding:12px}.mobile-toggle{display:block}
  .hero-grid,.content-grid,.article-layout{grid-template-columns:1fr}
  .hero-copy{padding:44px 0}.hero-media{min-height:310px}
  .level-grid{grid-template-columns:repeat(2,1fr)}
  .guide-grid{grid-template-columns:1fr}
  .guide-item{border-right:0}
  .footer-grid{grid-template-columns:1fr 1fr}
  .sidebar-card{position:static}
}
@media(max-width:560px){
  .container{width:min(calc(100% - 24px),var(--container))}
  .brand{font-size:20px}.brand-mark{width:40px;height:40px}
  .hero h1{font-size:39px}.hero p{font-size:15px}
  .hero-trust,.level-grid,.footer-grid{grid-template-columns:1fr}
  .article-row{grid-template-columns:90px 1fr}.article-row img{width:90px}
  .cta{flex-direction:column;align-items:flex-start}
}