:root{
 --navy:#092b4c;--blue:#1266a8;--cyan:#08a6c9;--teal:#00a884;--purple:#6941c6;
 --orange:#f59e0b;--light:#f4f9fc;--text:#243746;--muted:#657786;--border:#d9e6ee;--white:#fff
}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.75;background:linear-gradient(180deg,#fff 0,#f7fbfd 100%)}
header{color:#fff;padding:46px 20px 42px;background:linear-gradient(125deg,#062947 0%,#1266a8 48%,#00a884 100%);position:relative;overflow:hidden}
header:after{content:"";position:absolute;width:420px;height:420px;border-radius:50%;right:-130px;top:-230px;background:#ffffff18}
.header-inner{max-width:1180px;margin:auto;position:relative;z-index:1}.brand{font-family:Georgia,serif;font-size:30px;font-weight:700;line-height:1.25;max-width:1000px;text-shadow:0 2px 8px #0003}
.tagline{margin-top:12px;font-size:16px;opacity:.97;max-width:900px}
nav{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20;box-shadow:0 4px 18px #092b4c12}
.nav-inner{max-width:1180px;margin:auto;display:flex;flex-wrap:wrap}.nav-inner a{padding:14px 13px;text-decoration:none;color:var(--navy);font-weight:700;font-size:13px;transition:.2s}
.nav-inner a:hover{background:#eaf7fb;color:var(--blue);box-shadow:inset 0 -3px 0 var(--cyan)}
main{max-width:1180px;margin:0 auto;padding:46px 20px}
.hero{background:linear-gradient(135deg,#eef8ff,#effcf8);padding:38px;border-radius:18px;border:1px solid #d5eaf1;box-shadow:0 12px 35px #092b4c12;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;width:180px;height:180px;border-radius:50%;right:-60px;bottom:-90px;background:#08a6c922}
.hero h1{margin:0 0 15px;font-family:Georgia,serif;color:var(--navy);font-size:34px;line-height:1.25}
h1{font-family:Georgia,serif;color:var(--navy);font-size:32px;line-height:1.3}h2{font-family:Georgia,serif;color:var(--navy);font-size:27px;margin-top:42px;position:relative}
h2:after{content:"";display:block;width:55px;height:4px;border-radius:5px;margin-top:7px;background:linear-gradient(90deg,var(--cyan),var(--teal))}
h3{color:var(--navy);margin-top:22px}p{margin:0 0 16px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.card{border:1px solid var(--border);border-radius:14px;padding:24px;background:#fff;box-shadow:0 7px 24px #092b4c0c;transition:transform .2s,box-shadow .2s;border-top:4px solid var(--cyan)}
.card:hover{transform:translateY(-3px);box-shadow:0 12px 30px #092b4c16}.card h3{margin-top:0}
.grid .card:nth-child(2){border-top-color:var(--teal)}.grid .card:nth-child(3){border-top-color:var(--purple)}.grid .card:nth-child(4){border-top-color:var(--orange)}
.notice{padding:20px;border:1px solid #cfe6ef;background:#f0fbff;border-radius:12px;margin:22px 0;box-shadow:0 5px 18px #092b4c0a}
.warning{border-left:5px solid var(--orange);background:#fff9ec;padding:18px;border-radius:9px}
table{width:100%;border-collapse:separate;border-spacing:0;overflow:hidden;border:1px solid var(--border);border-radius:12px;margin:18px 0;background:#fff}
th,td{border-bottom:1px solid var(--border);padding:13px;text-align:left;vertical-align:top}th{background:#edf7fb;color:var(--navy)}tr:last-child th,tr:last-child td{border-bottom:0}
.btn{display:inline-block;background:linear-gradient(135deg,var(--blue),var(--cyan));color:#fff!important;padding:11px 19px;border-radius:8px;text-decoration:none;font-weight:700;box-shadow:0 5px 14px #1266a833;margin:5px 6px 5px 0}
.btn.secondary{background:linear-gradient(135deg,var(--navy),var(--purple))}
.pill{display:inline-block;padding:5px 11px;background:#e9f8fb;color:var(--navy);border-radius:20px;margin:3px;font-size:13px;font-weight:700}
.editor{margin-bottom:20px}.editor strong{color:var(--blue)}
footer{background:linear-gradient(135deg,#061f35,#092b4c);color:#dceaf2;margin-top:40px}.footer-inner{max-width:1180px;margin:auto;padding:38px 20px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.footer-inner h3{color:#fff}.footer-inner a{color:#dceaf2}.copyright{border-top:1px solid #ffffff20;padding-top:16px;margin-top:22px;font-size:13px}
.small{font-size:13px;color:var(--muted)}
@media(max-width:700px){.brand{font-size:22px}.tagline{font-size:14px}.nav-inner a{padding:10px 8px;font-size:12px}main{padding:30px 15px}.hero{padding:25px}.hero h1{font-size:25px}h1{font-size:27px}.footer-grid{grid-template-columns:1fr}}