:root{
  --primary:#0f5ea8;
  --primary-dark:#0b4377;
  --accent:#1c8adb;
  --text:#153047;
  --bg:#f5f9fc;
  --card:#ffffff;
  --border:#d9e6f2;
  --success:#0d8c61;
  --shadow:0 10px 30px rgba(15,94,168,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.6}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
.container{width:min(1320px,100%);margin:0 auto}
.topbar{background:#0e2c48;color:#fff;font-size:14px}
.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:10px 0;flex-wrap:wrap}
.topbar a{color:#fff}
.header{position:sticky;top:0;background:#fff;border-bottom:1px solid var(--border);z-index:10}
.header .container{display:flex;align-items:center;justify-content:space-between;padding:16px 0;gap:20px}
.logo{font-weight:700;font-size:22px;color:var(--text)}
.nav{display:flex;gap:18px;flex-wrap:wrap;align-items:center}
.btn,.btn-secondary{display:inline-block;padding:13px 20px;border-radius:10px;font-weight:700;border:2px solid var(--primary);transition:.2s}
.btn{background:var(--primary);color:#fff}
.btn:hover{background:var(--primary-dark);text-decoration:none}
.btn-secondary{background:#fff;color:var(--primary)}
.btn-secondary:hover{background:#eef6fd;text-decoration:none}
.hero{background:linear-gradient(135deg,#eef6fd 0%,#ffffff 52%,#edf7ff 100%);padding:72px 0 54px;border-bottom:1px solid var(--border)}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:34px;align-items:center}
.badge{display:inline-block;background:#eaf4fd;color:var(--primary);font-weight:700;padding:8px 12px;border-radius:999px;font-size:13px;letter-spacing:.2px}
.hero h1{font-size:44px;line-height:1.12;margin:14px 0 16px}
.hero p{font-size:18px;color:var(--muted);max-width:780px;margin:0 0 22px}
.hero-points{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:22px 0}
.point{background:#fff;border:1px solid var(--border);border-radius:14px;padding:14px;box-shadow:var(--shadow);font-weight:700}
.panel{background:#fff;border:1px solid var(--border);border-radius:18px;padding:24px;box-shadow:var(--shadow)}
.panel h3{margin-top:0}
.section{padding:56px 0}
.section h2{font-size:34px;line-height:1.2;margin:0 0 12px}
.section-intro{font-size:18px;color:var(--muted);max-width:860px;margin:0 0 26px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:var(--card);border:1px solid var(--border);border-radius:18px;padding:24px;box-shadow:var(--shadow)}
.card h3{margin-top:0;font-size:23px;line-height:1.25}
.card p{color:var(--muted)}
.card .meta{font-size:14px;color:var(--muted);margin-bottom:10px}
.category-chip{display:inline-block;padding:7px 10px;border-radius:999px;background:#eef6fd;border:1px solid #cfe2f3;margin:0 8px 8px 0;font-size:13px;font-weight:700}
.featured{display:grid;grid-template-columns:1.05fr .95fr;gap:24px;align-items:stretch}
.kicker{font-size:14px;text-transform:uppercase;letter-spacing:.08em;color:var(--success);font-weight:700}
.list-check{padding-left:18px;margin:10px 0 0}
.list-check li{margin:8px 0}
.cta-band{background:linear-gradient(135deg,#0f5ea8,#1c8adb);color:#fff;border-radius:22px;padding:34px;border:1px solid rgba(255,255,255,.15)}
.cta-band h2,.cta-band h3{margin-top:0;color:#fff}
.cta-band p,.cta-band li{color:#eef7ff}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:18px}
.cta-band .btn-secondary{border-color:#fff;color:#fff;background:transparent}
.cta-band .btn-secondary:hover{background:rgba(255,255,255,.10)}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
input,select,textarea{width:100%;padding:14px;border:1px solid #c8d8e8;border-radius:12px;font-size:16px}
textarea{min-height:130px;resize:vertical}
.note{font-size:14px;color:var(--muted)}
.footer{background:#0f2236;color:#d8e6f2;margin-top:56px}
.footer .container{padding:30px 0}
.footer a{color:#fff}
.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:10px}
.breadcrumbs a{color:var(--primary)}
.article-wrap{display:grid;grid-template-columns:minmax(0,900px) 320px;gap:100px}
.article h1{font-size:42px;line-height:1.15;margin:0 0 10px}
.article h2{font-size:30px;margin-top:38px}
.article h3{font-size:22px;margin-top:24px}
.article p,.article li{font-size:18px}
.article .lede{font-size:20px;color:var(--muted)}
.article .summary{background:#f7fbff;border:1px solid var(--border);border-radius:16px;padding:18px;margin:22px 0}
.sidebar .card{margin-bottom:18px}
.small{font-size:14px}
.link-list{padding-left:18px}
.link-list li{margin:8px 0}
@media (max-width:980px){
  .hero-grid,.featured,.article-wrap,.grid-3{grid-template-columns:1fr}
  .hero h1,.article h1{font-size:34px}
  .hero-points,.form-grid{grid-template-columns:1fr}
  .header .container{align-items:flex-start}
}