:root{--navy:#061a44;--blue:#0b3f91;--cyan:#16b8d7;--gold:#d7a52a;--bg:#f3f6fa;--text:#14213d;--muted:#5f6f82;--line:#d9e2ec}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font-family:Inter,Arial,"PingFang SC","Microsoft YaHei",sans-serif;line-height:1.75}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(960px,92%);margin:auto}.top{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;box-shadow:0 5px 18px #03102c22}.nav{min-height:64px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-size:22px;font-weight:900;color:#fff}.navlinks{display:flex;gap:18px;flex-wrap:wrap}.navlinks a{color:#dce9ff;font-size:14px}.hero{background:radial-gradient(circle at 82% 8%,#0b58a7 0,transparent 34%),linear-gradient(135deg,#041333,#08295d);color:#fff;padding:68px 0 60px}.eyebrow{font-size:13px;font-weight:850;letter-spacing:1.2px;color:#76e1f0}.hero h1{font-size:clamp(36px,6vw,58px);line-height:1.12;margin:12px 0 16px;letter-spacing:-.03em}.hero p{max-width:760px;margin:0;color:#dce9ff;font-size:17px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:9px;font-weight:850}.btn-primary{background:linear-gradient(135deg,var(--cyan),#1678d2);color:#fff}.btn-light{background:#fff;color:var(--navy)}main{padding:42px 0 60px}.notice{background:#fff7dc;border-left:5px solid var(--gold);padding:16px 18px;border-radius:10px;margin-bottom:26px}.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:27px;margin:0 0 20px;box-shadow:0 9px 26px #061a440b}.card h2{font-size:28px;line-height:1.3;margin:0 0 13px;color:#10213f}.card h3{font-size:20px;margin:24px 0 8px}.card p{margin:9px 0}.card ul,.card ol{padding-left:24px}.card li{margin:8px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin:17px 0}.mini{background:#f7fbff;border:1px solid #dce8f3;border-radius:13px;padding:18px}.mini strong{display:block;color:var(--navy);font-size:17px;margin-bottom:5px}.faq details{background:#fff;border:1px solid var(--line);border-left:4px solid #b7c4d4;border-radius:11px;padding:14px 17px;margin-bottom:10px}.faq details[open]{border-left-color:var(--cyan)}.faq summary{font-weight:850;cursor:pointer}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.related a{display:block;background:#eef5fb;border:1px solid #d5e2ee;border-radius:12px;padding:16px;font-weight:800}.footer{background:#020b1e;color:#b8c5dc;padding:31px 0;font-size:13px;border-top:4px solid var(--cyan)}.footer a{color:#dce9ff;text-decoration:underline}.risk{color:#ffd4d4}.breadcrumb{font-size:13px;color:#dce9ff;margin-bottom:10px}.breadcrumb a{color:#fff}@media(max-width:760px){.navlinks{display:none}.hero{padding:48px 0 43px}.hero h1{font-size:38px}.grid,.related{grid-template-columns:1fr}.card{padding:21px}.card h2{font-size:25px}}