:root{
  --bg:#f4f7fb;
  --card:#ffffff;
  --line:#dfe7f1;
  --text:#163047;
  --muted:#5e7489;
  --primary:#0a66c2;
  --primary-dark:#084f97;
  --accent:#0d8f63;
  --soft:#eef6ff;
  --shadow:0 12px 30px rgba(18, 44, 71, .08);
  --radius:18px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.7 system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--text)}
a{color:var(--primary);text-decoration:none}
a:hover{color:var(--primary-dark)}
.container{max-width:var(--max);margin:0 auto;padding:0 18px}
.topbar{background:#0f2740;color:#dce8f5;border-bottom:1px solid rgba(255,255,255,.08)}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:10px 0;flex-wrap:wrap}
.topbar a{color:#dce8f5}
.topbar-links{display:flex;gap:14px;flex-wrap:wrap;font-size:14px}
header{background:linear-gradient(135deg,#0f2740 0%, #12385c 55%, #145186 100%);color:#fff;padding:30px 0 24px}
h1{margin:0 0 10px;font-size:clamp(28px,4vw,42px);line-height:1.15;letter-spacing:-.02em}
h2{margin:28px 0 12px;font-size:24px;line-height:1.2}
h3{margin:22px 0 10px;font-size:20px;line-height:1.25}
p{margin:0 0 14px}
main{padding:28px 0 40px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}
.grid{display:grid;gap:18px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.badge{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.14);color:#fff;font-size:14px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:12px;font-weight:700;border:1px solid transparent;transition:.2s ease;min-height:46px}
.btn-primary{background:#fff;color:#11385b}.btn-primary:hover{background:#edf5ff;color:#0a3b67}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.25)}.btn-outline:hover{background:rgba(255,255,255,.08);color:#fff}
.hero-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}
.note{padding:14px 16px;border-radius:14px;background:#fff8ea;border:1px solid #f1dfae;color:#755b17}
.muted{color:var(--muted)}
.article ol,.article ul{padding-left:20px;margin:0 0 14px}.article li+li{margin-top:8px}
.footer-card{background:linear-gradient(135deg,#12385c 0%, #0f2740 100%);color:#fff}
.footer-card p,.footer-card li{color:#d7e8fa}
.small{font-size:14px}
@media (max-width: 760px){.grid-2{grid-template-columns:1fr}.card{padding:18px}.btn{width:100%}}