:root{--blue:#063b7a;--blue2:#0874d9;--blue3:#eaf4ff;--text:#14385d;--muted:#62758a;--border:#d8e5f2}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.65;background:#fff}
.wrap{max-width:1080px;margin:auto;padding:0 22px}
header{background:#fff;border-bottom:1px solid #e7eef6}
.header-inner{min-height:102px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.logo{height:78px;max-width:300px;object-fit:contain}
.logo-link{display:flex;align-items:center}
.site-nav{display:flex;align-items:center;gap:18px}
.site-nav a{color:var(--blue);text-decoration:none;font-weight:800;font-size:14px}
.site-nav a:hover{text-decoration:underline}
.site-nav .nav-cta{background:var(--blue2);color:#fff;padding:11px 15px;border-radius:8px;text-decoration:none}
.hero{background:linear-gradient(135deg,#ddecff,#f7fbff 60%,#fff);padding:54px 0}
.breadcrumb{font-size:14px;color:var(--muted);margin-bottom:18px}
.breadcrumb a{color:var(--blue2);text-decoration:none}
h1{font-size:44px;line-height:1.08;color:var(--blue);margin:0 0 18px}
.hero p{font-size:19px;max-width:820px;margin:0 0 24px}
.cta{display:inline-block;background:linear-gradient(90deg,var(--blue2),var(--blue));color:white;text-decoration:none;font-weight:900;padding:14px 22px;border-radius:9px}
main section{padding:48px 0}
main section.alt{background:#f5f9fe}
.content{max-width:900px}
h2{color:var(--blue);font-size:30px;line-height:1.2;margin:0 0 18px}
h3{color:var(--blue);font-size:21px}
p,li{font-size:16px}
.toc{background:#f3f8fe;border:1px solid #d8e6f4;border-radius:12px;padding:22px;margin:26px 0}
.toc strong{display:block;margin-bottom:8px;color:var(--blue)}
.toc a{color:var(--blue2);text-decoration:none}
.callout{background:#edf6ff;border-left:5px solid var(--blue2);padding:20px;border-radius:10px;margin:25px 0}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.related a{display:block;border:1px solid var(--border);padding:18px;border-radius:10px;text-decoration:none;color:var(--blue);font-weight:800}
.faq details{border:1px solid var(--border);padding:15px;border-radius:9px;margin:10px 0;background:#fff}
.faq summary{font-weight:800;cursor:pointer;color:var(--blue)}
footer{background:linear-gradient(90deg,#062d67,#064b98);color:#fff;padding:34px 0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}
.footer-logo{height:70px;max-width:280px;object-fit:contain;background:#fff;border-radius:8px;padding:4px}
footer a{color:#fff}
.copy{text-align:center;margin-top:22px;font-size:13px;color:#dceafb}
@media(max-width:900px){
 .header-inner{flex-wrap:wrap;padding:10px 0}
 .site-nav{width:100%;overflow-x:auto;padding-bottom:8px}
 .site-nav a{white-space:nowrap}
 h1{font-size:36px}
 .related,.footer-grid{grid-template-columns:1fr}
}