:root{--blue:#123a56;--gold:#d9a84e;--text:#1f2d3d;--muted:#667085;--bg:#f7f9fb;--card:#fff;}
*{box-sizing:border-box}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"PingFang SC","Microsoft YaHei",Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.78}.top{background:linear-gradient(135deg,#102f49,#1e5f8f);color:#fff;padding:42px 20px}.wrap{max-width:1050px;margin:0 auto}.brand{font-size:16px;color:#f1d08a;letter-spacing:.08em}.hero h1{font-size:42px;line-height:1.22;margin:14px 0}.hero p{max-width:760px;font-size:18px;color:#e8f1f8}.nav{background:#fff;border-bottom:1px solid #e6eaf0;position:sticky;top:0;z-index:10}.nav a{display:inline-block;padding:14px 12px;color:#24445d;text-decoration:none;font-weight:600}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(245px,1fr));gap:18px;margin:26px 0}.card{background:#fff;border:1px solid #e8edf3;border-radius:16px;padding:22px;box-shadow:0 6px 18px rgba(16,47,73,.05)}.card h2,.card h3{margin-top:0}.card a{text-decoration:none;color:#123a56}.tag{display:inline-block;background:#eaf3fa;color:#1e5f8f;border-radius:99px;padding:3px 10px;font-size:13px}.article{background:#fff;border-radius:18px;padding:36px;margin:28px auto;border:1px solid #e8edf3}.article h1{font-size:34px;line-height:1.35}.article h2{margin-top:38px;border-left:5px solid var(--gold);padding-left:12px}.article h3{margin-top:26px}.article blockquote{margin:18px 0;padding:14px 18px;background:#f1f6fb;border-left:4px solid #1e5f8f;color:#3d5366}.article a{color:#1769aa}.meta{color:var(--muted);font-size:14px}.footer{margin-top:40px;background:#102f49;color:#dbe8f1;padding:28px 20px;font-size:14px}.footer a{color:#f1d08a}.list{padding:0;margin:0}.list li{list-style:none;padding:14px 0;border-bottom:1px solid #edf1f5}.btn{display:inline-block;background:var(--gold);color:#172b3a!important;text-decoration:none;border-radius:999px;padding:10px 18px;font-weight:700}.disclaimer{background:#fff8e8;border:1px solid #f2d99c;border-radius:12px;padding:14px;margin-top:24px;color:#5d4b20}