:root{
  --ink:#0f172a; --ink2:#111c33; --brand:#1d4ed8; --brand2:#4338ca;
  --acc:#f59e0b; --acc2:#fbbf24; --teal:#0d9488;
  --bg:#f6f7fb; --card:#ffffff; --line:#e5e8f0; --muted:#5a6478; --txt:#26303f;
  --shadow:0 1px 2px rgba(15,23,42,.06),0 8px 24px -12px rgba(15,23,42,.18);
  --r:14px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--txt);
  font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
  line-height:1.65;font-size:16px}
img{max-width:100%}
a{color:var(--brand)}
.wrap{max-width:1180px;margin:0 auto;padding:0 18px}

/* ---------- top bar ---------- */
.top{background:linear-gradient(90deg,var(--ink),var(--ink2));color:#9fb0c9;font-size:13px}
.top .wrap{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;padding:9px 18px}
.top b{color:#fff}

/* ---------- header ---------- */
.hed{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30;
  box-shadow:0 1px 0 rgba(15,23,42,.03)}
.hed .row{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:16px;padding:12px 0}
.hed .logo img{height:44px;width:auto;display:block}
.nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0;justify-content:center;flex-wrap:wrap}
.nav a{color:#1f2b3d;font-size:13.8px;font-weight:600;text-decoration:none;padding:9px 11px;border-radius:9px;
  white-space:nowrap;transition:background .15s,color .15s}
.nav a:hover{background:#eef2fb;color:var(--brand)}
.btn{display:inline-block;background:linear-gradient(180deg,var(--brand),var(--brand2));color:#fff;
  border:0;border-radius:10px;padding:11px 18px;font-weight:700;font-size:14.5px;text-decoration:none;
  cursor:pointer;box-shadow:0 6px 16px -8px rgba(29,78,216,.7)}
.btn:hover{filter:brightness(1.07)}
.btn.alt,.btn.ghost{background:#fff;color:var(--brand);border:1px solid #cdd8ee;box-shadow:none}

/* ---------- hero ---------- */
.hero{background:linear-gradient(125deg,#0b1224 0%,#16224a 55%,#1e3a8a 100%);color:#fff;
  border-radius:var(--r);overflow:hidden;margin:20px 0;display:grid;grid-template-columns:1.15fr .85fr;
  box-shadow:var(--shadow)}
.hero .txt{padding:32px}
.hero h1{font-size:clamp(24px,3.2vw,34px);line-height:1.2;margin:0 0 12px;color:#fff;letter-spacing:-.015em}
.hero p{color:#c6d2e8;font-size:16.5px;margin:0 0 18px;max-width:660px}
.hero .art{background:#0b1224;display:flex;align-items:center;justify-content:center;padding:0}
.hero .art img{width:100%;height:100%;min-height:250px;object-fit:cover;display:block}

/* ---------- trust ---------- */
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:18px 0}
.trust div{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:18px;
  box-shadow:var(--shadow);border-top:3px solid var(--acc)}
.trust b{display:block;color:var(--ink);font-size:16px;margin-bottom:6px}
.trust span{font-size:14.5px;color:var(--muted)}

/* ---------- headings ---------- */
h1{font-size:clamp(23px,3vw,31px);color:var(--ink);line-height:1.24;letter-spacing:-.015em;margin:14px 0}
h2{font-size:22px;color:var(--ink);margin:28px 0 12px;letter-spacing:-.01em}
h2.sec{display:flex;justify-content:space-between;align-items:baseline;gap:14px;
  border-bottom:2px solid var(--line);padding-bottom:9px}
h2.sec a{font-size:13.5px;color:var(--brand);font-weight:600;text-decoration:none;white-space:nowrap}
h2.sec a:hover{text-decoration:underline}
h3{font-size:17px;color:#16243a;margin:14px 0 6px;line-height:1.35}
p,li{font-size:16px;color:var(--txt)}
.crum{margin:16px 0 6px;font-size:14px;color:var(--muted)}
.crum a{color:var(--brand);text-decoration:none}
.crum a:hover{text-decoration:underline}
.leadb{font-size:17.5px;background:linear-gradient(180deg,#eef4ff,#f3f7ff);border-left:4px solid var(--brand);
  padding:14px 16px;border-radius:10px;color:#22303f;margin:0 0 18px}
.ameta{font-size:13.5px;color:var(--muted);margin:0 0 14px;text-transform:none}
.acov{width:100%;height:auto;border-radius:var(--r);display:block;margin:0 0 18px;box-shadow:var(--shadow)}

/* ---------- cards ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;
  box-shadow:var(--shadow);display:flex;flex-direction:column;transition:transform .16s,box-shadow .16s}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 30px -14px rgba(15,23,42,.3)}
.card .ph{height:158px;background:#e9eef7 center/cover no-repeat}
.card .bd{padding:15px 16px 18px;display:flex;flex-direction:column;gap:7px;flex:1}
.card .tag{align-self:flex-start;background:#eef2ff;color:#3730a3;border-radius:999px;padding:4px 11px;
  font-size:11.5px;font-weight:800;text-transform:uppercase;letter-spacing:.04em}
.card h3{margin:0;font-size:17px}
.card h3 a{color:#16243a;text-decoration:none}
.card h3 a:hover{color:var(--brand)}
.card p{margin:0;color:var(--muted);font-size:14.6px;flex:1}

/* ---------- article prose ---------- */
.prose{max-width:820px}
.prose h2{margin-top:30px}
.prose ul{padding-left:22px;margin:14px 0}
.prose ul li{margin:7px 0}
.prose figure{margin:20px 0}
.prose figure img{width:100%;border-radius:var(--r);display:block}

/* ---------- table ---------- */
.article-table-wrap{overflow-x:auto;margin:20px 0;-webkit-overflow-scrolling:touch}
table.article-table{width:100%;border-collapse:separate;border-spacing:0;font-size:15px;background:#fff;
  border:1px solid var(--line);border-radius:12px;overflow:hidden}
table.article-table th,table.article-table td{border-bottom:1px solid var(--line);padding:12px 14px;
  text-align:left;vertical-align:top}
table.article-table thead th{background:#f1f5fd;color:var(--ink);font-weight:700;font-size:14.5px}
table.article-table tbody tr:last-child td{border-bottom:0}
table.article-table tbody tr:nth-child(even){background:#fafbff}

/* ---------- news strip ---------- */
.news{border-left:4px solid var(--acc);background:#fffdf5;padding:12px 15px;margin:12px 0;border-radius:0 10px 10px 0}
.news h3{margin:0 0 4px;font-size:16.5px}
.news h3 a{color:#16243a;text-decoration:none}
.news h3 a:hover{color:var(--brand)}
.news p{margin:0;font-size:14.6px;color:var(--muted)}

/* ---------- notice ---------- */
.rg{background:linear-gradient(180deg,#eefaf6,#f4fcf9);border:1px solid #c9ece1;border-radius:var(--r);
  padding:15px 16px;font-size:14.6px;color:#0f5c4c;margin:20px 0}
.rg b{display:block;margin-bottom:3px}

/* ---------- layout ---------- */
.main{display:grid;grid-template-columns:1fr 320px;gap:26px;align-items:start}
.main>*{min-width:0}
.side .box{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:16px;
  margin-bottom:16px;box-shadow:var(--shadow)}
.side h4{color:var(--ink);font-size:15.5px;margin:0 0 10px;letter-spacing:.01em}
.side a{display:block;padding:8px 0;border-bottom:1px dashed var(--line);color:#3b4657;font-size:14.5px;
  text-decoration:none}
.side a:hover{color:var(--brand)}
.side a:last-child{border-bottom:0}

/* ---------- pager ---------- */
.pager{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin:26px 0}
.pg{display:inline-block;min-width:40px;text-align:center;padding:9px 12px;border:1px solid var(--line);
  border-radius:10px;background:#fff;color:#334155;font-size:14.5px;font-weight:600;text-decoration:none}
.pg:hover{border-color:var(--brand);color:var(--brand)}
.pg.current{background:var(--brand);border-color:var(--brand);color:#fff}
.pg.prev,.pg.next{background:#f1f5fd;border-color:#dbe4f6;color:var(--brand)}

/* ---------- contact form ---------- */
.cform{max-width:560px;margin:14px 0 6px}
.cform-row{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.cform-row label{font-size:14px;font-weight:600;color:var(--ink)}
.cform input,.cform textarea{width:100%;min-width:0;border:1px solid #d5dced;border-radius:10px;
  padding:11px 13px;font:inherit;font-size:15px;background:#fff;color:var(--txt)}
.cform input:focus,.cform textarea:focus{outline:2px solid #c7d7fb;border-color:var(--brand)}
.cform textarea{resize:vertical}

/* ---------- footer ---------- */
footer{background:linear-gradient(180deg,var(--ink),#0a1120);color:#c3ccd8;margin-top:34px;padding:28px 0 22px}
footer .frow{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:22px;align-items:start}
footer a{color:#e8eef8;font-size:14px;text-decoration:none;line-height:2}
footer a:hover{color:var(--acc2);text-decoration:underline}
.fcont{font-size:14px;line-height:1.9}
.fpays{margin-top:14px}
.fpaycap{font-size:13px;color:#93a3ba;margin-bottom:6px}

/* ---------- responsive ---------- */
@media (max-width:980px){
  .main{grid-template-columns:1fr}
  .cards{grid-template-columns:repeat(2,1fr)}
  footer .frow{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .hero{grid-template-columns:1fr}
  .hero .art img{min-height:200px}
  .trust{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr}
  .hed .row{grid-template-columns:1fr;gap:10px;justify-items:start}
  .nav ul{justify-content:flex-start;gap:2px}
  .nav a{padding:8px 9px;font-size:13.4px}
  footer .frow{grid-template-columns:1fr}
  h2{font-size:20px}
}