:root{--navy:#13294b;--navy-deep:#0d1d36;--gold:#c9a227;--gold-soft:#f3e7bf;--gold-ink:#8a6d12;--paper:#f5f7fa;--ink:#1b2433;--muted:#5b6678;--line:#cbd3df;--serif:'Source Serif 4',Georgia,serif;--sans:'IBM Plex Sans',-apple-system,'Segoe UI',Roboto,Arial,sans-serif}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-padding-top:80px}
body{font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.7;font-size:17px}
a{color:var(--navy)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.top{background:var(--navy-deep);position:sticky;top:0;z-index:10}
.top .in{max-width:1160px;margin:0 auto;padding:0 24px;height:64px;display:flex;justify-content:space-between;align-items:center}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;font:600 1.25rem var(--serif)}
.brand img{height:30px}
.brand span span{color:var(--gold)}
.top nav{display:flex;gap:22px;align-items:center;font-size:.92rem}
.top nav a{color:#d3dae6;text-decoration:none}
.top nav a.btn{background:var(--gold);color:var(--navy-deep);padding:10px 16px;border-radius:6px;font-weight:600}
@media(max-width:700px){.top nav .nl{display:none}}
.hero{background:var(--navy);color:#fff;padding:56px 0 48px}
.hero .in,.art{max-width:760px;margin:0 auto;padding:0 24px}
.crumbs{font-size:.85rem;color:#aab6ca;margin-bottom:14px}
.crumbs a{color:#d3dae6}
.hero h1{font:600 clamp(1.9rem,4.4vw,2.8rem)/1.15 var(--serif);margin-bottom:14px}
.hero p{color:#c9d2e0;font-size:1.08rem;max-width:62ch}
.art{padding-top:48px;padding-bottom:64px}
.art h2{font:600 1.6rem/1.2 var(--serif);color:var(--navy);margin:40px 0 12px}
.art h3{font:600 1.2rem/1.3 var(--serif);color:var(--navy);margin:26px 0 8px}
.art p,.art li{margin-bottom:12px}
.art ul,.art ol{padding-left:22px;margin-bottom:16px}
.key{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:6px;padding:18px 20px;margin:24px 0}
.key b{color:var(--navy)}
.ex{background:#fff;border:1px solid var(--line);border-radius:8px;padding:6px 20px;margin:20px 0}
.ex table{width:100%;border-collapse:collapse;font-size:.95rem}
.ex td{padding:9px 0;border-bottom:1px dotted var(--line)}
.ex td:last-child{text-align:right;font-weight:600;color:var(--navy);font-variant-numeric:tabular-nums}
.ex tr:last-child td{border-bottom:0}
.note{font-size:.85rem;color:var(--muted)}
.cta{background:var(--navy-deep);color:#fff;border-radius:10px;padding:28px;margin:44px 0 0;display:flex;flex-wrap:wrap;gap:16px 24px;align-items:center;justify-content:space-between}
.cta p{margin:0;font:600 1.2rem/1.35 var(--serif);max-width:32ch}
.cta a{background:var(--gold);color:var(--navy-deep);text-decoration:none;font-weight:600;padding:14px 22px;border-radius:6px;white-space:nowrap}
.more{margin-top:36px;font-size:.95rem}
footer{background:#08142a;color:#8794a8;font-size:.74rem;line-height:1.7;padding:32px 0 90px}
footer .in{max-width:1160px;margin:0 auto;padding:0 24px}
footer a{color:#c9d2e0}
.wa{position:fixed;bottom:22px;right:22px;width:58px;height:58px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 18px rgba(0,0,0,.25);z-index:20}