:root{
  --bg:#f5f7fb;--panel:#ffffff;--ink:#172033;--muted:#5d6678;--brand:#0b3d91;--brand2:#0f766e;
  --line:#dce3ef;--soft:#eaf1ff;--dark:#09182f;
}
*{box-sizing:border-box}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--ink);line-height:1.65}
a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}
.container{width:min(1180px,92vw);margin:auto}
.topbar{background:var(--dark);color:#fff;padding:10px 0;font-size:14px}
.topbar .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:16px 0}
.logo{font-size:24px;font-weight:800;color:var(--dark);letter-spacing:.2px}
.logo span{color:var(--brand)}
.menu{display:flex;gap:18px;flex-wrap:wrap;font-weight:700}
.hero{padding:70px 0;background:linear-gradient(135deg,#07172f,#0b3d91 55%,#0f766e);color:#fff}
.hero h1{font-size:clamp(34px,5vw,62px);line-height:1.08;margin:0 0 16px}
.hero p{font-size:20px;max-width:820px;margin:0 0 24px;color:#eaf1ff}
.btns{display:flex;gap:14px;flex-wrap:wrap}.btn{display:inline-block;background:#fff;color:#0b3d91;padding:12px 18px;border-radius:8px;font-weight:800}
.btn.secondary{background:transparent;color:#fff;border:1px solid #fff}
.section{padding:52px 0}.section h2{font-size:34px;margin:0 0 12px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:0 6px 22px rgba(10,30,70,.05)}
.card h3{margin-top:0;color:var(--dark)}
.kicker{font-weight:800;color:var(--brand2);text-transform:uppercase;font-size:13px;letter-spacing:.08em}
.article{background:#fff;border:1px solid var(--line);border-radius:14px;padding:34px;margin:28px 0}
.article h1{font-size:42px;line-height:1.15;margin-top:0}.article h2{margin-top:32px;color:#0b2a5f}
.meta{color:var(--muted);font-size:14px;border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:24px}
.notice{background:#fff8e6;border:1px solid #f3d27d;border-radius:12px;padding:16px}
footer{background:#09182f;color:#dce6f7;padding:38px 0;margin-top:50px}
footer a{color:#fff}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
ul.clean{padding-left:20px}
.breadcrumb{font-size:14px;color:var(--muted);margin-top:24px}
.table{width:100%;border-collapse:collapse;background:#fff}.table th,.table td{border:1px solid var(--line);padding:10px;text-align:left}
@media(max-width:850px){.grid,.footergrid{grid-template-columns:1fr}.menu{gap:10px}.hero{padding:46px 0}.article h1{font-size:32px}}