:root{--brand:#0B3D91;--ink:#14213d;--muted:#667085;--line:#e6eaf0;--soft:#f5f8fc;--white:#fff;--accent:#13a8a8}
    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{margin:0;background:#fff;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65}
    a{color:inherit;text-decoration:none}
    img{max-width:100%;display:block}
    button{font:inherit}
    .container{width:min(1180px,calc(100% - 40px));margin:0 auto}
    .topbar{background:#092c68;color:#dbe8ff;font-size:13px}
    .topbar .container{min-height:36px;display:flex;align-items:center;justify-content:space-between;gap:20px}
    .topbar-links{display:flex;gap:20px}
    .topbar a:hover{color:#fff}
    .header{position:relative;z-index:20;background:#fff;border-bottom:1px solid var(--line)}
    .header-inner{min-height:78px;display:flex;align-items:center;gap:28px}
    .logo{display:flex;align-items:center;gap:11px;white-space:nowrap;color:var(--brand);font-weight:800;font-size:18px}
    .logo img{width:38px;height:38px;object-fit:contain}
    .main-nav{margin-left:auto}
    .nav-list{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
    .nav-item{position:relative}
    .nav-link{display:flex;align-items:center;gap:6px;padding:28px 12px;color:#344054;font-size:14px;font-weight:650;white-space:nowrap}
    .nav-link:hover{color:var(--brand)}
    .has-arrow:after{content:"";width:6px;height:6px;border-right:1px solid currentColor;border-bottom:1px solid currentColor;transform:rotate(45deg);margin-top:-4px}
    .dropdown-panel,.mega-menu{position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(8px);width:330px;background:#fff;border:1px solid var(--line);border-radius:0 0 16px 16px;box-shadow:0 18px 45px rgba(13,42,83,.14);padding:20px;opacity:0;visibility:hidden;transition:.2s ease}
    .mega-menu{width:650px}
    .nav-item:after{content:"";position:absolute;left:0;right:0;top:100%;height:12px}
    .nav-item:hover .dropdown-panel,.nav-item:focus-within .dropdown-panel,.nav-item:hover .mega-menu,.nav-item:focus-within .mega-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
    .panel-title{margin:0 0 13px;color:var(--brand);font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.08em}
    .panel-list{display:grid;gap:8px}
    .panel-list a{font-size:14px;border-bottom:1px solid var(--line);padding-bottom:8px}
    .panel-list a:hover,.mega-card:hover strong{color:var(--brand)}
    .mega-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
    .mega-card{min-width:0;border:1px solid var(--line);border-radius:10px;padding:10px;background:#fbfcfe}
    .mega-card img{width:100%;height:62px;object-fit:cover;border-radius:7px;margin-bottom:8px}
    .mega-card strong{display:block;font-size:13px;line-height:1.35}
    .mega-card small{display:block;color:var(--muted);font-size:11px;line-height:1.45;margin-top:4px}
    .mega-footer{display:block;margin-top:15px;color:var(--brand);font-size:13px;font-weight:750}
    .header-btns{display:flex;align-items:center;gap:9px}
    .member-btn,.account-btn{border-radius:8px;padding:9px 13px;font-size:13px;font-weight:750}
    .member-btn{color:var(--brand);border:1px solid #cddbf2}
    .account-btn{background:var(--brand);color:#fff}
    .member-btn:hover{background:#f0f5ff}
    .account-btn:hover{background:#082f72}
    .hamburger{display:none;border:0;background:transparent;padding:7px;cursor:pointer}
    .hamburger span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0;transition:.2s}
    .hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
    .hamburger.active span:nth-child(2){opacity:0}
    .hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
    .drawer-overlay{position:fixed;inset:0;background:rgba(9,27,57,.48);opacity:0;visibility:hidden;z-index:40;transition:.2s}
    .drawer-overlay.open{opacity:1;visibility:visible}
    .mobile-drawer{position:fixed;top:0;right:0;bottom:0;width:min(390px,88vw);background:#fff;z-index:50;transform:translateX(100%);transition:.25s ease;overflow:auto}
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{display:flex;align-items:center;justify-content:space-between;padding:20px;border-bottom:1px solid var(--line);font-weight:800;color:var(--brand)}
    .drawer-head a{background:var(--brand);color:#fff;border-radius:7px;padding:7px 10px;font-size:12px}
    .drawer-close{border:0;background:transparent;font-size:28px;color:var(--muted);cursor:pointer}
    .drawer-menu{padding:12px 20px 30px}
    .drawer-link,.drawer-toggle{display:block;width:100%;padding:14px 0;border:0;border-bottom:1px solid var(--line);background:transparent;text-align:left;color:var(--ink);font-weight:700;cursor:pointer}
    .drawer-toggle:after{content:"+";float:right;color:var(--brand);font-size:18px}
    .drawer-toggle.active:after{content:"−"}
    .drawer-submenu{display:none;padding:3px 0 8px 15px}
    .drawer-submenu.open{display:block}
    .drawer-submenu a{display:block;padding:9px 0;color:var(--muted);font-size:14px}
    .footer{margin-top:75px;background:#0a1f43;color:#d7e2f4;padding:55px 0 20px}
    .footer-main{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:35px}
    .footer-brand strong{color:#fff;font-size:20px}
    .footer p{margin:13px 0 0;color:#aebed7;font-size:13px}
    .footer-col h3{margin:0 0 14px;color:#fff;font-size:14px}
    .footer-links{display:grid;gap:9px}
    .footer-links a{font-size:13px;color:#b7c6dc}
    .footer-links a:hover{color:#fff}
    .footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid rgba(255,255,255,.14);margin-top:35px;padding-top:18px;color:#91a5c3;font-size:12px}
    .article-page{padding:48px 0 0}
    .article-hero{max-width:920px;margin:0 auto 30px;text-align:center}
    .article-kicker{display:inline-flex;align-items:center;gap:8px;color:var(--accent);font-size:13px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
    .article-kicker:before{content:"";width:28px;height:3px;border-radius:5px;background:var(--accent)}
    .article-title{margin:14px 0 16px;font-size:clamp(32px,5vw,58px);line-height:1.12;letter-spacing:-.045em;color:#102b57}
    .article-lead{max-width:720px;margin:0 auto;color:var(--muted);font-size:17px}
    .article-meta{display:flex;justify-content:center;flex-wrap:wrap;gap:10px 22px;margin-top:22px;color:#667085;font-size:13px}
    .article-meta span{display:inline-flex;align-items:center;gap:6px}
    .article-cover{max-width:1060px;margin:34px auto 0;border-radius:20px;overflow:hidden;background:var(--soft);border:1px solid var(--line)}
    .article-cover img{width:100%;max-height:520px;object-fit:cover}
    .article-layout{display:grid;grid-template-columns:minmax(0,780px) 250px;gap:45px;align-items:start;max-width:1060px;margin:38px auto 0}
    .article-content{min-width:0;max-width:100%;overflow-x:auto;color:#344054;font-size:16px}
    .article-content h2,.article-content h3{color:#102b57;line-height:1.25;margin:30px 0 12px}
    .article-content p{margin:0 0 18px}
    .article-content img,.article-content table{max-width:100%}
    .article-content blockquote{margin:25px 0;padding:18px 22px;border-left:4px solid var(--accent);background:#f2fbfb;color:#24545a}
    .article-content ul,.article-content ol{padding-left:24px}
    .article-side{position:sticky;top:20px}
    .side-card{border:1px solid var(--line);border-radius:14px;padding:19px;background:#fbfcfe}
    .side-card h3{margin:0 0 12px;font-size:14px;color:var(--brand)}
    .side-card p{margin:0;color:var(--muted);font-size:13px}
    .article-tags{display:flex;flex-wrap:wrap;gap:7px;margin-top:28px}
    .article-tags a{padding:6px 10px;border-radius:999px;background:#eef4ff;color:var(--brand);font-size:12px}
    .article-nav{display:grid;grid-template-columns:1fr 1fr;gap:15px;max-width:1060px;margin:42px auto 0}
    .article-nav a{border:1px solid var(--line);border-radius:12px;padding:15px;background:#fff}
    .article-nav a:last-child{text-align:right}
    .article-nav small{display:block;color:var(--muted);font-size:11px;margin-bottom:5px}
    .article-nav strong{font-size:14px;color:var(--brand)}
    .related{max-width:1060px;margin:50px auto 0}
    .section-heading{display:flex;align-items:end;justify-content:space-between;border-bottom:1px solid var(--line);padding-bottom:12px;margin-bottom:18px}
    .section-heading h2{margin:0;color:#102b57;font-size:25px}
    .section-heading a{color:var(--brand);font-size:13px;font-weight:750}
    .related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
    .related-card{border:1px solid var(--line);border-radius:13px;overflow:hidden;background:#fff}
    .related-card img{width:100%;height:145px;object-fit:cover;background:var(--soft)}
    .related-body{padding:14px}
    .related-body h3{margin:0 0 8px;font-size:15px;line-height:1.35}
    .related-body p{margin:0;color:var(--muted);font-size:13px}
    @media(max-width:1050px){
      .main-nav{display:none}
      .hamburger{display:block}
      .footer-main{grid-template-columns:repeat(2,1fr)}
    }
    @media(max-width:720px){
      .container{width:min(100% - 28px,1180px)}
      .topbar .container{align-items:flex-start;flex-direction:column;gap:2px;padding:8px 0}
      .topbar-links{gap:12px;flex-wrap:wrap}
      .header-inner{min-height:68px;gap:10px}
      .member-btn{display:none}
      .article-page{padding-top:30px}
      .article-title{font-size:36px}
      .article-lead{font-size:15px}
      .article-layout{display:block;margin-top:25px}
      .article-side{position:static;margin-top:25px}
      .article-nav{grid-template-columns:1fr}
      .article-nav a:last-child{text-align:left}
      .related-grid{grid-template-columns:1fr}
      .footer-main{grid-template-columns:1fr;gap:25px}
      .footer-bottom{display:block}
      .footer-bottom span{display:block;margin-top:8px}
    }