:root{
  --bg:#f9fafb;--paper:#ffffff;--ink:#1f2937;--muted:#4b5563;
  --blue:#1e3a8a;--blue2:#3b82f6;--accent:#dc2626;--gold:#d4af37;--line:#e5e7eb
}
*{box-sizing:border-box}
body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;background:var(--bg);color:var(--ink);line-height:1.62}
a{color:inherit;text-decoration:none}
.site-header{background:#fff;color:var(--ink);padding:14px 3vw;display:flex;align-items:center;justify-content:space-between;gap:18px;border-bottom:1px solid var(--line)}
.logo{font-weight:800;letter-spacing:.04em;font-size:1.25rem}
.nav{display:flex;gap:11px;flex-wrap:wrap;align-items:center;font-size:.86rem}
.nav a{color:#374151;opacity:.95}.nav a:hover{color:var(--blue)}
.nav-cta{background:var(--accent);color:#fff!important;border-radius:8px;padding:7px 10px;font-weight:800}
.nav-cta:hover{background:#b91c1c;color:#fff!important}
.hero{padding:72px 6vw 56px;background:linear-gradient(135deg,var(--blue) 0%,var(--blue2) 100%);color:#fff}
.kicker{color:#fde047;text-transform:uppercase;font-weight:800;letter-spacing:.08em;font-size:.82rem;margin-bottom:12px}
.hero h1{font-size:clamp(2rem,4vw,4.2rem);line-height:1.08;max-width:1050px;margin:0 0 18px}
.hero p{max-width:850px;font-size:1.16rem;color:rgba(255,255,255,.88);margin:0}
.page-topic-image{max-width:1180px;margin:-34px auto 0;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;box-shadow:0 14px 32px rgba(15,23,42,.14)}
.page-topic-image img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.page-topic-image figcaption{padding:10px 16px;color:#4b5563;font-size:.9rem;background:#f9fafb;border-top:1px solid var(--line)}
main{padding:48px 6vw 76px}
.section{max-width:1180px;margin:0 auto 54px}
.section h2{font-size:clamp(1.45rem,2.4vw,2.3rem);margin:0 0 18px}
.lead,.box{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:28px;box-shadow:0 8px 24px rgba(15,23,42,.08)}
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:24px;box-shadow:0 8px 24px rgba(15,23,42,.08)}
.category-card{padding:0;overflow:hidden}
.category-card h3,.category-card p,.category-card .more{margin-left:24px;margin-right:24px}
.category-card h3{margin-top:20px}
.category-card .more{display:inline-block;margin-bottom:24px}
.category-visual{margin:0;background:#eff6ff}
.category-visual img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.category-visual figcaption{padding:10px 14px;color:#4b5563;font-size:.82rem;background:#f9fafb;border-bottom:1px solid var(--line)}
.card h3{margin:0 0 8px;color:var(--blue);font-size:1.18rem}
.category-card h3{margin:20px 24px 8px}
.card p{margin:0 0 14px;color:var(--muted)}
.card .more{font-weight:800;color:var(--accent)}
.meta{display:flex;gap:10px;flex-wrap:wrap;color:var(--muted);font-size:.92rem;margin-bottom:18px}
.badge{display:inline-block;background:#eff6ff;border:1px solid #bfdbfe;color:var(--blue);padding:5px 10px;border-radius:999px}
.article{max-width:880px;margin:0 auto 54px;background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:34px;box-shadow:0 12px 26px rgba(15,23,42,.08)}
.article h2{color:var(--blue);margin-top:32px}
.article ul{padding-left:22px}.article li{margin:8px 0}
.table{width:100%;border-collapse:collapse;background:#fff;border-radius:16px;overflow:hidden;margin:22px 0}
.table th,.table td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}
.table th{background:#eff6ff;color:var(--blue)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:15px 17px;margin:10px 0}
.faq summary{font-weight:800;color:var(--blue);cursor:pointer}
.links{display:flex;flex-wrap:wrap;gap:12px}
.links a,.btn{display:inline-block;background:var(--blue);color:#fff;border-radius:8px;padding:11px 15px;font-weight:800}
.links a:hover,.btn:hover{background:#1e40af}
.btn-secondary{background:var(--accent)}
.btn-secondary:hover{background:#b91c1c}
.blog-conversion-cta{max-width:1180px;margin:20px auto 60px;background:linear-gradient(135deg,var(--blue) 0%,var(--blue2) 100%);color:#fff;border-radius:12px;padding:34px;box-shadow:0 14px 32px rgba(15,23,42,.14)}
.blog-conversion-cta h2{margin:0 0 10px;font-size:clamp(1.5rem,2.5vw,2.4rem)}
.blog-conversion-cta p{margin:0 0 20px;max-width:760px;color:rgba(255,255,255,.9)}
.blog-conversion-cta .btn{margin-right:10px;margin-bottom:10px;background:#fff;color:var(--blue)}
.blog-conversion-cta .btn-secondary{background:var(--accent);color:#fff}
.note{border-left:5px solid var(--gold);padding:14px 18px;background:#fff;margin:22px 0;border-radius:12px;color:#3b3329}
.sources{font-size:.9rem;color:var(--muted)}
.site-footer{padding:28px 6vw;border-top:1px solid var(--line);color:var(--muted);font-size:.9rem}
@media(max-width:900px){.site-header{align-items:flex-start;flex-direction:column}.grid{grid-template-columns:1fr}.article{padding:24px}.hero{padding-top:48px}}