:root{--color-navy:#10162c;--color-navy-light:#1a2340;--color-navy-dark:#0a0f1e;--color-gold:#e09a00;--color-gold-light:#f0b030;--color-gold-dark:#c08500;--color-white:#fff;--color-gray-100:#f5f6f8;--color-gray-200:#e8eaef;--color-gray-300:#ccc;--color-gray-500:#6b7280;--color-gray-700:#4d5673;--color-gray-900:#1f2937;--max-width:900px;--header-height:70px}*,:after,:before{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,Ubuntu,Cantarell,sans-serif;color:var(--color-gray-900);background:var(--color-white);line-height:1.7;font-size:17px}a{color:var(--color-gold-dark);text-decoration:none;transition:color .2s}a:hover{color:var(--color-gold)}img{max-width:100%;height:auto}.page-wrapper{min-height:100vh;display:flex;flex-direction:column}.main-content{flex:1 1;width:100%;max-width:var(--max-width);margin:0 auto;padding:40px 20px}.site-header{background:var(--color-navy);color:var(--color-white);position:-webkit-sticky;position:sticky;top:0;z-index:100;box-shadow:0 2px 8px rgba(0,0,0,.3)}.header-inner{max-width:var(--max-width);margin:0 auto;padding:0 20px;height:var(--header-height);justify-content:space-between}.header-inner,.logo-link{display:flex;align-items:center}.logo-link{gap:10px;color:var(--color-white);font-weight:700;font-size:1.2rem}.logo-link:hover{color:var(--color-gold)}.logo-icon{width:40px;height:40px}.nav-toggle{display:none;background:none;border:none;color:var(--color-white);font-size:1.5rem;cursor:pointer;padding:5px}.nav-menu{display:flex;list-style:none;gap:24px}.nav-menu a{color:var(--color-gray-200);font-size:.95rem;font-weight:500;transition:color .2s}.nav-menu a:hover{color:var(--color-gold)}@media (max-width:768px){.nav-toggle{display:block}.nav-menu{display:none;position:absolute;top:var(--header-height);left:0;right:0;background:var(--color-navy);flex-direction:column;padding:20px;gap:16px;border-top:1px solid var(--color-navy-light);box-shadow:0 4px 12px rgba(0,0,0,.3)}.nav-menu.open{display:flex}.nav-menu a{font-size:1.05rem;padding:8px 0}}.site-footer{background:var(--color-navy);color:var(--color-gray-300);padding:40px 20px;margin-top:60px}.footer-inner{max-width:var(--max-width);margin:0 auto}.footer-nav{display:flex;flex-wrap:wrap;gap:16px 32px;list-style:none;margin-bottom:24px;padding-bottom:24px;border-bottom:1px solid var(--color-navy-light)}.footer-nav a{color:var(--color-gray-300);font-size:.9rem}.footer-nav a:hover{color:var(--color-gold)}.footer-copy{font-size:.85rem;color:var(--color-gray-500)}.hero{background:linear-gradient(135deg,var(--color-navy) 0,var(--color-navy-light) 100%);color:var(--color-white);padding:60px 20px;text-align:center;margin:-40px -20px 40px}.hero h1{font-size:2.2rem;margin-bottom:16px;line-height:1.3}.hero p{font-size:1.15rem;color:var(--color-gray-200);max-width:600px;margin:0 auto}@media (max-width:600px){.hero{padding:40px 16px}.hero h1{font-size:1.6rem}}.article-content h1{font-size:2rem;color:var(--color-navy);margin:32px 0 16px;line-height:1.3}.article-content h2{font-size:1.5rem;color:var(--color-navy);margin:32px 0 12px;padding-top:16px;border-top:2px solid var(--color-gray-200)}.article-content h2:first-child{border-top:none;padding-top:0}.article-content h3{font-size:1.2rem;color:var(--color-navy-light);margin:24px 0 8px}.article-content p{margin-bottom:16px}.article-content ol,.article-content ul{margin:0 0 16px 24px}.article-content li{margin-bottom:6px}.article-content table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.95rem}.article-content td,.article-content th{border:1px solid var(--color-gray-200);padding:10px 12px;text-align:left}.article-content th{background:var(--color-navy);color:var(--color-white);font-weight:600}.article-content tr:nth-child(2n){background:var(--color-gray-100)}.article-content strong{color:var(--color-navy)}.toc{background:var(--color-gray-100);border:1px solid var(--color-gray-200);border-radius:8px;padding:20px 24px;margin:0 0 32px}.toc-title{font-size:1rem;font-weight:700;color:var(--color-navy);margin-bottom:12px}.toc ul{list-style:none;margin:0;padding:0}.toc li{margin-bottom:6px}.toc a{color:var(--color-gray-700);font-size:.92rem}.toc a:hover{color:var(--color-gold)}.toc .toc-h2{padding-left:0}.toc .toc-h3{padding-left:16px;font-size:.88rem}.faq-section{margin-top:48px;padding-top:32px;border-top:3px solid var(--color-gold)}.faq-section h2{font-size:1.6rem;color:var(--color-navy);margin-bottom:24px;border:none;padding-top:0}.faq-item{margin-bottom:24px;border:1px solid var(--color-gray-200);border-radius:8px;overflow:hidden}.faq-question{background:var(--color-gray-100);padding:16px 20px;font-weight:600;color:var(--color-navy);font-size:1.05rem;cursor:pointer;display:flex;justify-content:space-between;align-items:center;border:none;width:100%;text-align:left}.faq-question:hover{background:var(--color-gray-200)}.faq-question:after{content:"+";font-size:1.3rem;color:var(--color-gold);font-weight:700;flex-shrink:0;margin-left:12px}.faq-item.open .faq-question:after{content:"\2212"}.faq-answer{display:none;padding:16px 20px}.faq-item.open .faq-answer{display:block}.faq-answer p{margin-bottom:12px}.faq-answer p:last-child{margin-bottom:0}.cta-section{background:linear-gradient(135deg,var(--color-navy) 0,var(--color-navy-light) 100%);color:var(--color-white);padding:40px 32px;border-radius:12px;text-align:center;margin:40px 0}.cta-section h2{color:var(--color-white);border:none;padding-top:0;margin:0 0 12px}.cta-section p{color:var(--color-gray-200);margin-bottom:0}.services-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));grid-gap:24px;gap:24px;margin:32px 0}.service-card{background:var(--color-gray-100);border-radius:10px;padding:28px 24px;border:1px solid var(--color-gray-200);transition:transform .2s,box-shadow .2s}.service-card:hover{transform:translateY(-2px);box-shadow:0 4px 12px rgba(0,0,0,.08)}.service-card h3{color:var(--color-navy);margin-bottom:8px;font-size:1.15rem}.service-card p{color:var(--color-gray-700);font-size:.95rem;margin:0}.articles-list{margin:32px 0}.article-card{display:block;padding:20px 0;border-bottom:1px solid var(--color-gray-200);transition:background .2s}.article-card:first-child{border-top:1px solid var(--color-gray-200)}.article-card h3{color:var(--color-navy);font-size:1.1rem;margin-bottom:6px}.article-card p{color:var(--color-gray-500);font-size:.92rem;margin:0}.article-card:hover h3{color:var(--color-gold-dark)}.page-404{text-align:center;padding:80px 20px}.page-404 h1{font-size:4rem;color:var(--color-navy);margin-bottom:8px}.page-404 h2{font-size:1.5rem;color:var(--color-gray-700);margin-bottom:16px;border:none}.page-404 p{margin-bottom:24px;color:var(--color-gray-500)}.page-404 a{display:inline-block;background:var(--color-gold);color:var(--color-white);padding:12px 32px;border-radius:6px;font-weight:600;transition:background .2s}.page-404 a:hover{background:var(--color-gold-dark);color:var(--color-white)}.breadcrumb{font-size:.85rem;margin-bottom:24px}.breadcrumb,.breadcrumb a{color:var(--color-gray-500)}.breadcrumb a:hover{color:var(--color-gold)}.breadcrumb span{margin:0 6px}