:root{--primary:#1a365d;--accent:#2b6cb0;--gold:#c9a227;--dark:#1a202c;--gray:#4a5568;--mute:#718096;--light:#f7fafc;--line:#e2e8f0;--white:#fff}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;color:var(--dark);background:var(--white);line-height:1.7;font-size:17px}
a{color:var(--accent)}
img{max-width:100%;height:auto;display:block}
.top{background:var(--primary);color:#fff}
.top .in{max-width:960px;margin:0 auto;padding:12px 20px;display:flex;align-items:center;justify-content:space-between;gap:12px}
.brand{display:inline-flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;font-size:16px}
.brand img{width:34px;height:34px}
.top-cta{background:var(--gold);color:var(--dark);font-weight:700;font-size:14px;text-decoration:none;padding:9px 14px;border-radius:8px;white-space:nowrap}
.hero{background:linear-gradient(165deg,#0f172a 0%,#1a365d 55%,#2b6cb0 100%);color:#fff;padding:28px 20px 40px}
.hero .in{max-width:760px;margin:0 auto}
.crumbs{font-size:13px;opacity:.75;margin-bottom:18px}
.crumbs a{color:#fff;text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.kicker{display:inline-block;color:var(--gold);border:1px solid var(--gold);border-radius:40px;padding:4px 12px;font-size:12px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:14px}
.hero h1{font-size:clamp(28px,6vw,42px);line-height:1.18;font-weight:800;margin-bottom:14px}
.hero .lead{font-size:18px;opacity:.9;line-height:1.55}
.meta{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:14px;opacity:.8;margin-top:18px}
main{max-width:760px;margin:0 auto;padding:32px 20px 20px}
.summary{background:var(--light);border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:12px;padding:20px 22px;margin-bottom:28px}
.summary h2{font-size:18px;color:var(--primary);margin:0 0 10px}
.summary ul{padding-left:20px}
.summary li{margin:4px 0}
.toc{border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:32px}
.toc b{display:block;font-size:15px;color:var(--primary);margin-bottom:6px}
.toc ol{padding-left:20px;font-size:15px}
.toc li{margin:3px 0}
.toc a{text-decoration:none}
.toc a:hover{text-decoration:underline}
main h2{font-size:26px;line-height:1.3;color:var(--primary);margin:40px 0 14px;scroll-margin-top:16px}
main h3{font-size:20px;line-height:1.35;color:var(--dark);margin:28px 0 8px}
main p{margin:0 0 16px;color:#2d3748}
main ul,main ol{margin:0 0 16px;padding-left:22px;color:#2d3748}
main li{margin:6px 0}
.tbl{overflow-x:auto;margin:6px 0 20px;border:1px solid var(--line);border-radius:12px}
table{width:100%;border-collapse:collapse;font-size:15px}
th,td{padding:11px 12px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--light);color:var(--primary);font-weight:700;font-size:14px}
tbody tr:last-child td{border-bottom:0}
td.n,th.n{text-align:right}td.n{white-space:nowrap}
.note{font-size:14px;color:var(--mute)}
.ex{border:1px solid var(--line);border-radius:14px;overflow:hidden;margin:18px 0 22px}
.ex figure{background:var(--light);border-bottom:1px solid var(--line)}
.ex figcaption{font-size:13px;color:var(--mute);padding:6px 14px 10px;text-align:center}
.ex .bd{padding:16px 18px 6px}
.ex h3{margin:0 0 6px;display:flex;gap:10px;align-items:center}
.ex h3 .num{flex:none;width:30px;height:30px;border-radius:50%;background:var(--primary);color:var(--gold);display:grid;place-items:center;font-size:15px}
.ex .mus{font-size:14px;color:var(--mute);margin-bottom:10px}
.ex dl{display:grid;grid-template-columns:auto 1fr;gap:6px 12px;font-size:15px;margin:0 0 12px}
.ex dt{font-weight:700;color:var(--primary)}
.ex dd{color:#2d3748}
.tip{background:#fffaf0;border:1px solid #f0d9a0;border-radius:12px;padding:14px 18px;margin:18px 0;font-size:16px}
.tip b{color:#7a5a07}
.cta{background:linear-gradient(165deg,#0f172a 0%,#1a365d 70%);color:#fff;border-radius:16px;padding:26px 24px;margin:36px 0;text-align:center}
.cta h2{color:#fff;margin:0 0 10px;font-size:23px}
.cta p{color:#e2e8f0;margin:0 0 18px}
.btn{display:inline-block;background:var(--gold);color:var(--dark);font-weight:700;text-decoration:none;padding:14px 26px;border-radius:8px;font-size:16px}
.btn2{display:inline-block;color:#fff;font-weight:600;margin-top:12px;font-size:15px}
.cta .small{font-size:13px;opacity:.75;margin:12px 0 0}
.inl{border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin:20px 0;display:flex;gap:14px;align-items:center}
.inl .t{flex:1;font-size:15px}
.inl .t b{display:block;color:var(--primary);font-size:16px}
.inl a.go{flex:none;background:var(--primary);color:#fff;text-decoration:none;font-weight:700;font-size:14px;padding:10px 14px;border-radius:8px}
details.faq{border-bottom:1px solid var(--line);padding:4px 0}
details.faq summary{cursor:pointer;font-weight:700;color:var(--primary);padding:12px 0;list-style:none;font-size:17px}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";float:right;color:var(--gold);font-weight:800}
details.faq[open] summary::after{content:"−"}
details.faq p{margin:0 0 14px}
.author{display:flex;gap:16px;align-items:center;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:20px 0;margin:36px 0 20px}
.author img{width:72px;height:72px;border-radius:50%;object-fit:cover;flex:none}
.author .t{font-size:15px;color:var(--gray)}
.author .t b{display:block;color:var(--dark);font-size:16px}
.sources{font-size:14px;color:var(--gray)}
.sources ol{padding-left:20px}
.sources li{margin:6px 0;word-break:break-word}
.disc{font-size:13px;color:var(--mute);margin:20px 0 10px}
.more{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:10px 0 30px}
.more a{display:block;border:1px solid var(--line);border-radius:12px;padding:14px 16px;text-decoration:none;color:var(--dark);font-weight:700;font-size:15px}
.more a span{display:block;font-weight:400;color:var(--mute);font-size:13px;margin-top:4px}
footer{background:var(--dark);color:#a0aec0;text-align:center;padding:30px 20px;font-size:14px;margin-top:30px}
footer a{color:#cbd5e0;text-decoration:none}
footer a:hover{color:#fff}
.foot-social{display:flex;gap:14px;justify-content:center;margin:0 0 16px}
.foot-social a{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;border:1px solid #4a5568;color:#a0aec0}
.foot-social svg{width:20px;height:20px;fill:currentColor}
@media (max-width:600px){body{font-size:16px}.ex dl{grid-template-columns:1fr;gap:2px}table{font-size:14px}th,td{padding:9px 8px}.ex dd{margin-bottom:8px}.brand{font-size:15px;white-space:nowrap}.brand img{width:30px;height:30px}.top .in{padding:10px 16px}main h2{font-size:23px}.more{grid-template-columns:1fr}.inl{flex-direction:column;align-items:flex-start}.top-cta{font-size:13px;padding:8px 11px}}