:root{--bg:#F3F6FB;--paper:#FFFFFF;--white:#fff;--ink:#17273F;--deep:#0E2140;--cream:#E9F1FB;
--ink-soft:#46586E;--muted:#8394A6;--blue:#2660C9;--blue-br:#3E82E9;--blue-soft:#BFD6F5;
--line:#E3E9F1;--display:'Sora',system-ui,sans-serif;--body:'Inter',system-ui,sans-serif;--wrap:820px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--body);line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:var(--blue)}h1,h2,h3{font-family:var(--display);font-weight:700;letter-spacing:-.02em;line-height:1.1;margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--display);font-weight:600;font-size:15px;border-radius:13px;padding:15px 28px;text-decoration:none;border:2px solid transparent;transition:transform .14s,background .14s}
.btn-gold{background:var(--blue-br);color:#fff}.btn-gold:hover{transform:translateY(-2px);background:#2f74e0}
nav.top{position:sticky;top:0;z-index:40;background:rgba(14,33,64,.94);backdrop-filter:blur(10px);border-bottom:1px solid rgba(191,214,245,.16)}
nav.top .in{display:flex;align-items:center;justify-content:space-between;height:64px;max-width:1120px;margin:0 auto;padding:0 24px}
nav.top .brand{display:flex;flex-direction:column;line-height:1.05;text-decoration:none}
nav.top .brand .b1{font-size:9.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--blue-br);font-weight:700}
nav.top .brand .b2{font-family:var(--display);font-weight:600;font-size:16px;color:var(--cream)}
nav.top .lk{display:flex;gap:18px;align-items:center}
nav.top .lk a{color:#C8D7EA;text-decoration:none;font-size:13.5px;font-weight:500}
nav.top .lk a.cta{background:var(--blue-br);color:#fff;padding:9px 16px;border-radius:10px;font-weight:600}
@media(max-width:640px){nav.top .lk a.hb{display:none}}
.phero{background:radial-gradient(120% 90% at 85% -20%,#1C3E6E,var(--deep));color:var(--cream);padding:46px 0 52px}
.crumb{font-size:12.5px;color:#9FB2C6;margin-bottom:18px}.crumb a{color:#C8D7EA;text-decoration:none}.crumb span{color:var(--blue-br)}
.phero h1{font-size:clamp(28px,4.6vw,42px);font-weight:800;max-width:20ch}
.phero .lead{font-size:18px;color:#CFDCEC;margin:18px 0 26px;max-width:60ch}
.article{padding:46px 0 20px}
.article h2{font-size:clamp(22px,3vw,29px);font-weight:700;margin:38px 0 12px;color:var(--ink)}
.article p{font-size:17px;color:#2b3f57;margin:0 0 16px}
.article strong{color:var(--ink);font-weight:600}
.kp{background:var(--paper);border:1px solid var(--line);border-left:4px solid var(--blue-br);border-radius:12px;padding:20px 22px;margin:24px 0}
.kp h3{font-size:16px;margin-bottom:10px;color:var(--ink)}
.kp ul{margin:0;padding-left:20px}.kp li{font-size:15.5px;color:#2b3f57;margin-bottom:7px}
.ctabox{background:linear-gradient(135deg,#1C3E6E,#0E2140);color:var(--cream);border-radius:20px;padding:32px;margin:40px 0;text-align:center}
.ctabox h3{color:#fff;font-size:22px;margin-bottom:8px}
.ctabox p{color:#CFDCEC;font-size:15.5px;margin:0 0 18px}
.faqs{margin-top:10px}
.faqs details{border-bottom:1px solid var(--line);padding:16px 0}
.faqs summary{list-style:none;cursor:pointer;font-family:var(--display);font-weight:600;font-size:17px;color:var(--ink);display:flex;justify-content:space-between;gap:14px}
.faqs summary::-webkit-details-marker{display:none}.faqs summary .pm{color:var(--blue)}
.faqs p{font-size:15.5px;color:var(--ink-soft);margin:12px 0 0}
.related{margin:44px 0;background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:26px}
.related h3{font-size:18px;margin-bottom:14px}
.related a{display:block;padding:8px 0;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line);font-size:15px}
.related a:last-child{border-bottom:none}.related a:hover{color:var(--blue)}
.related a::before{content:'→ ';color:var(--blue)}
footer{background:var(--deep);color:#9FB2C6;padding:44px 0 32px;margin-top:30px}
footer .in{max-width:1120px;margin:0 auto;padding:0 24px;display:flex;flex-wrap:wrap;gap:22px;justify-content:space-between}
footer a{color:#9FB2C6;text-decoration:none;font-size:14px;display:block;margin-top:7px}footer a:hover{color:#fff}
footer .b2{font-family:var(--display);font-weight:600;color:#F1F6FD;font-size:18px}
footer .b1{font-size:9.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--blue-br);font-weight:700}
.hubgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:8px}
@media(max-width:640px){.hubgrid{grid-template-columns:1fr}}
.hubcard{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:18px 20px;text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}
.hubcard:hover{border-color:var(--blue);transform:translateY(-2px)}
.hubcard .k{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);font-weight:700}
.hubcard .t{font-family:var(--display);font-weight:600;font-size:16px;margin-top:4px;display:block}
.intro-note{font-size:13px;color:var(--muted);margin-top:22px}