:root{--navy:#06243f;--navy-2:#0b385f;--teal:#0aa6a6;--gold:#d8a94a;--ink:#162332;--muted:#607080;--line:#dbe6ef;--paper:#f7fbfd;--white:#fff;--shadow:0 24px 70px rgba(6,36,63,.14)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--paper);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;letter-spacing:0}a{color:inherit;text-decoration:none}.shell{width:min(1120px,calc(100% - 40px));margin:0 auto}.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);backdrop-filter:blur(18px);border-bottom:1px solid rgba(219,230,239,.86)}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand strong{display:block;color:var(--navy);font-size:1.05rem}.brand span span{display:block;color:var(--gold);font-size:.72rem;text-transform:uppercase;font-weight:850}.nav-links{display:flex;gap:22px;align-items:center;color:#3a4b5b;font-weight:760}.nav-links a:hover{color:var(--teal)}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 18px;border-radius:8px;font-weight:850}.btn-primary{background:var(--navy);color:#fff}.btn-gold{background:linear-gradient(135deg,#f4d58a,#d8a94a);color:var(--navy)}.hero{padding:98px 0 70px;background:radial-gradient(circle at 80% 15%,rgba(10,166,166,.16),transparent 34%),linear-gradient(135deg,#06243f,#0b385f);color:#fff}.eyebrow,.kicker{color:#f2cd73;text-transform:uppercase;font-weight:900;font-size:.78rem;letter-spacing:.08em}.hero h1{max-width:900px;margin:18px 0 22px;font-size:clamp(2.35rem,6vw,4.8rem);line-height:1.02;letter-spacing:0}.hero p{max-width:760px;color:rgba(255,255,255,.78);font-size:1.13rem;line-height:1.75}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.article{padding:70px 0}.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:44px;align-items:start}.content{background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:var(--shadow);padding:42px}.content h2{margin:34px 0 12px;color:var(--navy);font-size:clamp(1.45rem,3vw,2.1rem)}.content h2:first-child{margin-top:0}.content p,.content li{color:#415263;font-size:1.03rem;line-height:1.78}.content ul{padding-left:20px}.note{margin:28px 0;padding:22px;background:#f6fbfc;border-left:4px solid var(--teal);border-radius:8px;color:#32495b}.sidebar{position:sticky;top:98px;display:grid;gap:16px}.side-card{padding:24px;background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:0 14px 36px rgba(6,36,63,.08)}.side-card h3{margin:0 0 10px;color:var(--navy)}.side-card p{margin:0 0 18px;color:var(--muted);line-height:1.65}.question-list{display:grid;gap:10px;margin-top:14px}.question-list span{padding:12px;background:#f7fbfd;border:1px solid var(--line);border-radius:8px;color:#344b5d;font-weight:720}.more-links{display:grid;gap:10px}.more-links a{color:var(--teal);font-weight:820}.footer{background:#03192d;color:#fff}.footer .shell{padding:42px 0}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:26px}.footer a{color:#a6f3ef}.footer p{color:rgba(255,255,255,.68);line-height:1.6}.legal{font-size:.85rem;color:rgba(255,255,255,.55)}@media(max-width:900px){.nav-links{display:none}.article-grid,.footer-grid{grid-template-columns:1fr}.sidebar{position:static}.hero{padding:76px 0 54px}.content{padding:26px}.hero h1{font-size:clamp(2rem,10vw,3.2rem)}}