:root{--navy:#102a43;--navy2:#183b56;--blue:#1565c0;--pale:#f3f7fb;--gold:#d59c2f;--ink:#18212b;--muted:#5e6c7a;--line:#dce5ee;--white:#fff;--danger:#7a2c2c}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--pale);line-height:1.65}
a{color:var(--blue)}.container{width:min(1180px,calc(100% - 32px));margin:auto}.topline{background:#071c2c;color:#dbe9f5;text-align:center;padding:7px 16px;font-size:13px}
.site-header{background:var(--white);box-shadow:0 2px 12px rgba(16,42,67,.1);position:sticky;top:0;z-index:30}.nav-wrap{width:min(1180px,calc(100% - 32px));margin:auto;min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);font-size:21px;font-weight:800}.brand small{display:block;font-size:11px;color:var(--muted);font-weight:500;letter-spacing:.2px}.brand-mark{display:grid;place-items:center;width:44px;height:44px;border-radius:10px;background:linear-gradient(135deg,var(--navy),var(--blue));color:white}
nav{display:flex;align-items:center;gap:18px}nav a{text-decoration:none;color:var(--navy);font-weight:700;font-size:14px}.nav-cta,.button{background:var(--blue);color:white!important;padding:11px 17px;border-radius:8px;text-decoration:none;font-weight:800;display:inline-block;border:0;cursor:pointer}.button:hover,.nav-cta:hover{filter:brightness(.92)}.button.secondary{background:white;color:var(--navy)!important;border:1px solid var(--line)}.nav-toggle{display:none}
.hero{background:linear-gradient(135deg,#102a43,#1565c0);color:white;padding:58px 0}.hero-grid{display:grid;grid-template-columns:1.65fr .75fr;gap:38px;align-items:center}.crumbs{font-size:13px;color:#cfe0ef;margin-bottom:18px}.crumbs a{color:white}.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:1.4px;color:#ffdf9a;font-weight:800}h1{font-size:clamp(34px,5vw,58px);line-height:1.08;margin:12px 0 18px}.lead{font-size:19px;max-width:800px;color:#edf6ff}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:25px}.trust-card{background:rgba(255,255,255,.11);border:1px solid rgba(255,255,255,.23);padding:24px;border-radius:16px;backdrop-filter:blur(6px)}.trust-card ul{padding-left:20px;margin-bottom:0}
.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:26px;padding:34px 0 60px}.content-card,.side-card{background:white;border:1px solid var(--line);border-radius:14px;box-shadow:0 8px 30px rgba(16,42,67,.06)}.content-card{padding:clamp(22px,4vw,46px)}.article-section{padding:8px 0 22px;border-bottom:1px solid #edf1f5}.article-section h2,.source-box h2,.cta-panel h2{color:var(--navy);line-height:1.2;font-size:27px}.check-list{padding:0;list-style:none}.check-list li{padding:8px 0 8px 30px;position:relative}.check-list li:before{content:"✓";position:absolute;left:0;color:#16805b;font-weight:900}.sidebar{display:flex;flex-direction:column;gap:18px}.side-card{padding:22px}.side-card h2{font-size:19px;color:var(--navy);margin-top:0}.side-card a{display:block;padding:9px 0;border-bottom:1px solid #eef2f5;text-decoration:none;font-weight:700}.side-card.warning{border-left:4px solid var(--gold)}.source-box{background:#eef6ff;border-left:4px solid var(--blue);padding:18px 22px;margin:24px 0;border-radius:8px}.source-box h2{font-size:20px;margin-top:0}.cta-panel{background:linear-gradient(135deg,#eef6ff,#fff8e8);border:1px solid #d9e9f8;border-radius:14px;padding:25px;margin:30px 0}
.ad-wrap{display:block;width:100%;max-width:100%;margin:18px 0 28px;overflow:hidden;text-align:center;clear:both}.ad-wrap .adsbygoogle{display:block!important;width:100%!important;max-width:100%;margin:0 auto}.ad-label{display:none;margin:0 0 5px;font-size:10px;line-height:1.2;text-transform:uppercase;letter-spacing:.08em;color:#8392a1}.ad-wrap.ad-filled .ad-label{display:block}.ad-wrap.ad-unfilled{display:none!important}.adsbygoogle[data-ad-status="unfilled"]{display:none!important}
.legal-form{margin-top:20px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.legal-form label{display:block;font-weight:700;margin-bottom:16px}.legal-form input,.legal-form select,.legal-form textarea{width:100%;padding:12px;border:1px solid #bdcbd8;border-radius:8px;margin-top:6px;font:inherit;background:white}.legal-form textarea{resize:vertical}.legal-form button{background:var(--blue);color:white;border:0;padding:13px 20px;border-radius:8px;font-weight:800;font-size:16px}.check{font-weight:500!important}.check input{width:auto;margin-right:8px}.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.notice{background:#eef8f1;border:1px solid #bcdcc6;padding:20px;border-radius:10px}.error{background:#fff0f0;border-color:#ecc1c1}
footer{background:#0b2235;color:#d7e6f2}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:30px;padding:42px 0}.footer-grid strong{display:block;color:white;margin-bottom:10px}.footer-grid a{display:block;color:#d7e6f2;text-decoration:none;padding:4px 0}.footer-grid p{color:#bcd0df}.footer-bottom{text-align:center;border-top:1px solid #203b50;padding:16px;font-size:13px}
.sitemap-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.sitemap-group{background:white;border:1px solid var(--line);padding:18px;border-radius:10px}.sitemap-group a{display:block;padding:5px 0;text-decoration:none}
@media(max-width:900px){.nav-toggle{display:block;background:var(--navy);color:white;border:0;padding:10px 13px;border-radius:6px}.nav-wrap{position:relative}nav{display:none;position:absolute;left:0;right:0;top:76px;background:white;padding:18px;box-shadow:0 12px 20px rgba(0,0,0,.12);flex-direction:column;align-items:stretch}nav.open{display:flex}.hero-grid,.content-layout{grid-template-columns:1fr}.sidebar{display:grid;grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.sitemap-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.topline{font-size:11px}.brand small{display:none}.hero{padding:38px 0}.hero-grid{gap:20px}.lead{font-size:17px}.form-grid,.sidebar,.footer-grid,.sitemap-grid{grid-template-columns:1fr}.content-card{padding:20px}h1{font-size:37px}}

.review-meta{font-size:13px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:12px;margin-bottom:8px}.topic-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:20px 0}.topic-card{display:flex;flex-direction:column;gap:5px;padding:18px;border:1px solid var(--line);border-radius:10px;background:#f9fbfd;text-decoration:none;transition:transform .15s ease,box-shadow .15s ease}.topic-card:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(16,42,67,.1)}.topic-card strong{color:var(--navy);font-size:17px}.topic-card span{color:var(--muted);font-size:14px}.sitemap-links{columns:3;column-gap:28px}.sitemap-links a{display:block;break-inside:avoid;padding:5px 0;text-decoration:none}@media(max-width:700px){.topic-grid{grid-template-columns:1fr}.sitemap-links{columns:1}}