:root{--navy:#102653;--blue:#1478d4;--blue2:#0d67bd;--text:#1d2939;--muted:#667085;--line:#e2e8f0;--bg:#f5f8fc;--card:#fff;--soft:#eef6ff;--green:#15803d;--amber:#b45309}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font-family:Arial,Helvetica,sans-serif;line-height:1.68}a{color:var(--blue)}
.info-wrap{max-width:1030px;margin:0 auto;padding:30px 18px 54px}.crumbs{font-size:13px;color:var(--muted);margin:0 0 18px}.crumbs a{text-decoration:none}.hero{background:linear-gradient(135deg,#fff 0%,#f6fbff 100%);border:1px solid var(--line);border-radius:22px;padding:34px;box-shadow:0 13px 36px rgba(16,38,83,.07);margin-bottom:22px}.eyebrow{font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--blue);font-size:12px}.hero h1{color:var(--navy);font-size:clamp(30px,5vw,46px);line-height:1.12;margin:7px 0 13px}.lead{font-size:18px;color:#475467;max-width:850px;margin:0}.hero-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:11px;padding:12px 17px;font-weight:800;text-decoration:none;border:1px solid transparent}.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:var(--blue2)}.btn-secondary{background:#fff;border-color:#cfd9e5;color:var(--navy)}
.topic-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:22px 0}.topic-card,.content-card,.note-card,.cta-card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 8px 25px rgba(16,38,83,.05)}.topic-card{padding:22px;text-decoration:none;color:inherit;transition:.15s transform ease,.15s box-shadow ease}.topic-card:hover{transform:translateY(-2px);box-shadow:0 14px 28px rgba(16,38,83,.09)}.topic-card .num{display:inline-flex;width:34px;height:34px;border-radius:10px;align-items:center;justify-content:center;background:var(--soft);color:var(--blue);font-weight:900}.topic-card h2,.topic-card h3{font-size:19px;margin:12px 0 7px;color:var(--navy);line-height:1.3}.topic-card p{font-size:14px;color:var(--muted);margin:0}.content-card{padding:30px;margin:18px 0}.content-card h2{font-size:28px;line-height:1.25;color:var(--navy);margin:8px 0 14px}.content-card h3{font-size:20px;line-height:1.35;color:var(--navy);margin:26px 0 8px}.content-card p{margin:0 0 15px}.content-card ul{padding-left:22px}.content-card li{margin:7px 0}.jump{display:flex;gap:8px;flex-wrap:wrap;margin:18px 0 0}.jump a{font-size:13px;text-decoration:none;background:var(--soft);color:var(--navy);border-radius:999px;padding:8px 11px;font-weight:700}.note-card{padding:20px 22px;border-left:5px solid var(--blue);margin:18px 0}.note-card strong{color:var(--navy)}.cta-card{padding:26px;margin:22px 0;background:linear-gradient(135deg,#102653,#174381);color:#fff}.cta-card h2,.cta-card h3{color:#fff;margin-top:0}.cta-card p{color:#e4ecf7}.cta-card .btn{background:#fff;color:var(--navy)}
.scale-table{width:100%;border-collapse:collapse;margin:16px 0;font-size:15px}.scale-table th,.scale-table td{text-align:left;border-bottom:1px solid var(--line);padding:11px 10px}.scale-table th{background:#f8fafc;color:var(--navy)}.faq details{border-top:1px solid var(--line);padding:13px 0}.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}.faq details p{margin:10px 0 0}.source-note{font-size:13px;color:var(--muted);margin-top:20px}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.related a{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px;text-decoration:none;color:var(--navy);font-weight:800}.related small{display:block;color:var(--muted);font-weight:500;margin-top:5px}
@media(max-width:780px){.topic-grid,.related{grid-template-columns:1fr}.hero{padding:25px}.content-card{padding:23px}.info-wrap{padding-top:22px}.scale-table{font-size:13px}.scale-table th,.scale-table td{padding:9px 6px}}