*,::after,::before{box-sizing:border-box;margin:0;padding:0}:root{--navy:#1B2A4A;--gold:#C9A84C;--gold-light:#e8c97a;--white:#ffffff;--light:#f5f7fb;--text:#2d2d2d;--muted:#666;--border:#dde3ef}a{color:var(--navy);text-decoration:none}a:hover{color:var(--gold)}.topbar{background:var(--navy);color:var(--white);font-size:12.5px;padding:8px 20px;display:flex;flex-wrap:wrap;justify-content:center;gap:16px}.topbar span{opacity:.9}.topbar a{color:var(--gold-light)}.hero{background:linear-gradient(135deg,var(--navy) 0,#2c3e6b 100%);color:var(--white);text-align:center;padding:56px 20px 48px}.breadcrumb{font-size:13px;opacity:.7;margin-bottom:14px}.breadcrumb a{color:var(--gold-light)}.hero h1{font-size:clamp(24px,4vw,38px);font-weight:800;margin-bottom:12px}.hero h1 span{color:var(--gold)}.hero p{font-size:15px;opacity:.82;max-width:560px;margin:0 auto 20px}.hero-meta{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;font-size:12.5px}.hero-meta span{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);padding:5px 14px;border-radius:20px}.page-wrap{max-width:1060px;margin:0 auto;padding:48px 20px 72px;display:grid;grid-template-columns:1fr;max-width:860px;align-items:start}.toc{position:sticky;top:80px;background:var(--light);border:1px solid var(--border);border-top:3px solid var(--gold);border-radius:8px;padding:20px}.toc h4{font-size:12px;text-transform:uppercase;letter-spacing:.8px;color:var(--muted);margin-bottom:12px}.toc ol{padding-left:18px}.toc ol li{margin-bottom:8px;font-size:13px;line-height:1.4}.toc ol li a{color:var(--navy)}.toc ol li a:hover{color:var(--gold)}.toc .update-note{margin-top:16px;font-size:12px;color:var(--muted);border-top:1px solid var(--border);padding-top:12px}.content section{margin-bottom:40px;padding-bottom:40px;border-bottom:1px solid var(--border)}.content section:last-child{border-bottom:none}.content h2{font-size:20px;font-weight:700;color:var(--navy);margin-bottom:14px;padding-bottom:8px;border-bottom:2px solid var(--gold);scroll-margin-top:90px}.content h3{font-size:16px;font-weight:700;color:var(--navy);margin:20px 0 8px}.content p{margin-bottom:14px;font-size:15px}.content ol,.content ul{padding-left:20px;margin-bottom:14px;font-size:15px}.content li{margin-bottom:8px;line-height:1.65}.intro-box{background:var(--light);border:1px solid var(--border);border-left:4px solid var(--navy);border-radius:0 8px 8px 0;padding:20px 24px;margin-bottom:40px;font-size:14.5px;line-height:1.7}.intro-box strong{color:var(--navy)}.highlight-box{background:#fffbf0;border:1px solid #f0d98a;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:16px 20px;margin:16px 0;font-size:14.5px}.highlight-box strong{color:var(--navy)}.cta-banner{background:linear-gradient(135deg,var(--navy),#2c3e6b);color:var(--white);border-radius:12px;padding:36px 28px;text-align:center;margin-top:48px}.cta-banner h2{font-size:22px;font-weight:700;margin-bottom:8px;color:var(--white);border:none;padding:0}.cta-banner p{opacity:.82;max-width:460px;margin:0 auto 20px;font-size:14.5px}.cta-buttons{display:flex;flex-wrap:wrap;justify-content:center;gap:12px}.btn-gold{background:var(--gold);color:var(--navy);font-weight:700;padding:12px 26px;border-radius:6px;font-size:14.5px}.btn-gold:hover{background:#b8933e;color:var(--navy)}.btn-outline{background:0 0;border:2px solid rgba(255,255,255,.6);color:var(--white);padding:10px 24px;border-radius:6px;font-size:14.5px;font-weight:600}.btn-outline:hover{border-color:var(--white);color:var(--white)}@media(max-width:480px){.hero{padding:40px 16px 36px}.page-wrap{padding:28px 16px 48px}}