:root{--navy:#1B3A5C;--orange:#F97316;--ink:#0F172A;--muted:#475569;--line:#E2E8F0;--bg:#F8FAFC}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;line-height:1.7;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
a{color:var(--navy);text-decoration:none}
.wrap{max-width:780px;margin:0 auto;padding:0 20px}
header{background:var(--navy);position:sticky;top:0;z-index:10}
.nav{max-width:1100px;margin:0 auto;padding:14px 20px;display:flex;align-items:center;justify-content:space-between}
.brand{display:flex;align-items:center;gap:10px;color:#fff;font-weight:800;font-size:1.25rem;letter-spacing:.3px}
.brand svg{width:34px;height:34px}
.nav a.cta{background:var(--orange);color:#fff;padding:9px 16px;border-radius:8px;font-weight:700;font-size:.95rem}
.hero{background:linear-gradient(135deg,#1B3A5C 0%,#27517f 100%);color:#fff;padding:46px 0 38px}
.hero .wrap{max-width:1100px}
.crumbs{font-size:.85rem;color:#cbd5e1;margin-bottom:16px}
.crumbs a{color:#cbd5e1}
h1{font-size:clamp(1.7rem,4.5vw,2.5rem);font-weight:800;line-height:1.18;margin-bottom:12px}
.hero .lead{font-size:1.08rem;color:#e2e8f0;max-width:680px}
.meta{font-size:.85rem;color:#94a3b8;margin-top:14px}
main{padding:40px 0}
main h2{font-size:1.45rem;font-weight:700;color:var(--navy);margin:32px 0 12px}
main h3{font-size:1.15rem;font-weight:600;margin:22px 0 8px}
main p{margin-bottom:15px;color:#334155}
main ul,main ol{margin:0 0 16px 22px;color:#334155}
main li{margin-bottom:7px}
blockquote{border-left:4px solid var(--orange);background:var(--bg);padding:14px 18px;margin:18px 0;color:#475569;font-style:italic}
table{width:100%;border-collapse:collapse;margin:16px 0;font-size:.95rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left}
th{background:var(--bg);color:var(--navy)}
.faq{border-top:1px solid var(--line);margin-top:34px;padding-top:22px}
.faq details{border:1px solid var(--line);border-radius:10px;padding:14px 16px;margin-bottom:10px}
.faq summary{font-weight:600;cursor:pointer;color:var(--navy)}
.faq p{margin-top:10px}
.cta-box{background:var(--navy);color:#fff;border-radius:16px;padding:30px;margin:38px 0;text-align:center}
.cta-box h2{color:#fff;margin-top:0}
.cta-box p{color:#cbd5e1;margin-bottom:18px}
.btns{display:flex;gap:12px;flex-wrap:wrap;justify-content:center}
.btn{display:inline-block;padding:13px 24px;border-radius:10px;font-weight:700;font-size:1rem}
.btn-orange{background:var(--orange);color:#fff}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border:1px solid rgba(255,255,255,.35)}
.related{background:var(--bg);border-radius:12px;padding:20px;margin:28px 0}
.related a{display:inline-block;margin:4px 10px 4px 0;color:var(--navy);font-weight:600}
footer{background:#0f2540;color:#94a3b8;padding:28px 0;font-size:.9rem;text-align:center}
footer a{color:#cbd5e1}