:root{--navy-d:#0d1f3c;--navy:#173867;--navy-l:#22508f;--red:#d81f26;--red-d:#b0151b;--gold:#f5a623;--wa:#25d366;--ink:#152238;--muted:#5a6b85;--paper:#f5f8fc;--line:#e3e9f2}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.7;font-size:17px}
a{color:var(--navy-l);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}
.wrap{max-width:820px;margin:0 auto;padding:0 20px}
.wrap-wide{max-width:1140px;margin:0 auto;padding:0 20px}
header.site{background:var(--navy-d);position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(0,0,0,.15)}
.bar{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{color:#fff;font-size:22px;font-weight:600;letter-spacing:.5px}
.logo b{color:var(--gold);font-weight:800}
.bar nav{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.bar nav a{color:#e8eefb;font-weight:500;font-size:15px}
.bar nav a:hover{color:var(--gold);text-decoration:none}
.hcall{background:var(--red);color:#fff!important;padding:9px 16px;border-radius:8px;font-weight:700}
.hcall:hover{background:var(--red-d);text-decoration:none}
.crumb{background:var(--paper);border-bottom:1px solid var(--line);font-size:14px;color:var(--muted)}
.crumb .wrap{padding-top:12px;padding-bottom:12px}
.crumb a{color:var(--navy-l)}
article{padding:34px 0 10px}
article h1{font-size:33px;line-height:1.25;color:var(--navy-d);margin-bottom:14px}
article h2{font-size:24px;color:var(--navy);margin:34px 0 12px;padding-bottom:6px;border-bottom:2px solid var(--line)}
article h3{font-size:20px;color:var(--navy-l);margin:24px 0 8px}
article p{margin:0 0 16px}
article ul,article ol{margin:0 0 18px 22px}
article li{margin-bottom:8px}
.meta{color:var(--muted);font-size:14px;margin-bottom:20px}
.lead{font-size:19px;color:#31425e;background:var(--paper);border-left:4px solid var(--gold);padding:16px 18px;border-radius:0 8px 8px 0;margin-bottom:26px}
.tip{background:#fff7e9;border:1px solid #f5d99a;border-radius:10px;padding:16px 18px;margin:20px 0}
.tip b{color:var(--red-d)}
.tbl{width:100%;border-collapse:collapse;margin:18px 0;font-size:15px}
.tbl th,.tbl td{border:1px solid var(--line);padding:11px 13px;text-align:left}
.tbl th{background:var(--navy);color:#fff;font-weight:600}
.tbl tr:nth-child(even) td{background:var(--paper)}
.cta{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-d) 100%);color:#fff;border-radius:14px;padding:28px 26px;margin:34px 0;text-align:center}
.cta h3{color:#fff;margin:0 0 8px;font-size:22px}
.cta p{color:#cdd9ef;margin-bottom:18px}
.btn{display:inline-block;padding:13px 22px;border-radius:9px;font-weight:700;margin:5px;font-size:16px}
.btn:hover{text-decoration:none;opacity:.92}
.btn-call{background:var(--red);color:#fff}
.btn-wa{background:var(--wa);color:#fff}
.faq{margin:30px 0}
.faq details{border:1px solid var(--line);border-radius:10px;padding:0;margin-bottom:12px;overflow:hidden}
.faq summary{cursor:pointer;padding:16px 18px;font-weight:600;color:var(--navy-d);background:var(--paper);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:'+';float:right;color:var(--red);font-weight:800}
.faq details[open] summary:after{content:'–'}
.faq details p{padding:14px 18px 4px}
.related{margin:38px 0}
.related h2{font-size:22px;color:var(--navy);margin-bottom:16px}
.related .grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px}
.related a.card{display:block;border:1px solid var(--line);border-radius:12px;padding:18px;color:var(--ink);transition:.15s}
.related a.card:hover{border-color:var(--navy-l);box-shadow:0 6px 18px rgba(23,56,103,.12);text-decoration:none;transform:translateY(-2px)}
.related a.card b{display:block;color:var(--navy-d);margin-bottom:5px;font-size:16px}
.related a.card span{color:var(--muted);font-size:14px}
.hero-b{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-d) 100%);color:#fff;padding:46px 0;text-align:center}
.hero-b h1{font-size:34px;margin-bottom:10px}
.hero-b p{color:#cdd9ef;font-size:18px;max-width:640px;margin:0 auto}
.posts{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px;padding:38px 0}
.post{border:1px solid var(--line);border-radius:14px;padding:22px;transition:.15s;background:#fff}
.post:hover{border-color:var(--navy-l);box-shadow:0 8px 22px rgba(23,56,103,.12);transform:translateY(-3px)}
.post .tag{display:inline-block;background:var(--paper);color:var(--navy);font-size:12px;font-weight:700;padding:4px 10px;border-radius:20px;margin-bottom:10px;text-transform:uppercase;letter-spacing:.4px}
.post h2{font-size:20px;color:var(--navy-d);margin-bottom:8px;line-height:1.3}
.post h2 a{color:var(--navy-d)}
.post p{color:var(--muted);font-size:15px;margin-bottom:14px}
.post .rd{color:var(--red);font-weight:700;font-size:15px}
footer.site{background:var(--navy-d);color:#aebbd4;padding:30px 0;margin-top:40px;font-size:14px}
footer.site .wrap-wide{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;align-items:center}
footer.site a{color:var(--gold)}
footer.site .fl a{color:#cdd9ef;margin-left:16px}
.float{position:fixed;right:16px;bottom:16px;z-index:60;display:flex;flex-direction:column;gap:12px}
.float a{width:56px;height:56px;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:26px;box-shadow:0 6px 18px rgba(0,0,0,.28)}
.float a:hover{text-decoration:none;transform:scale(1.06)}
.float .wa{background:var(--wa)}
.float .call{background:var(--red)}
.menu-btn{display:none;background:none;border:0;color:#fff;font-size:26px;cursor:pointer}
@media(max-width:820px){.bar nav{display:none}.menu-btn{display:block}article h1{font-size:26px}article h2{font-size:21px}body{font-size:16px}.cta{padding:22px 18px}footer.site .wrap-wide{flex-direction:column;text-align:center}}