*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',Roboto,Helvetica,Arial,sans-serif;color:#0e1a3a;background:#f5f7ff;line-height:1.6;-webkit-font-smoothing:antialiased}
.container{max-width:1200px;margin:0 auto;padding:0 20px}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}

/* Header */
.site-header{background:#fff;border-bottom:1px solid #e6e9f5;position:sticky;top:0;z-index:100;box-shadow:0 2px 12px rgba(14,26,58,.05)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:18px 20px}
.brand{display:flex;align-items:center;gap:6px;font-weight:800;font-size:24px;color:#1a2b6b}
.brand-mark{font-size:26px;letter-spacing:-.5px}
.brand-accent{color:#f4c430}
.brand-crown{width:24px;height:16px;margin-bottom:14px}
.header-actions{display:flex;gap:10px}
.btn{display:inline-block;padding:12px 24px;border-radius:8px;font-weight:700;font-size:14px;text-transform:uppercase;letter-spacing:.5px;transition:all .25s ease;cursor:pointer;border:2px solid transparent;text-align:center}
.btn-primary{background:#1a2b6b;color:#fff;border-color:#1a2b6b}
.btn-primary:hover{background:#243a8e}
.btn-outline{background:#fff;color:#1a2b6b;border-color:#1a2b6b}
.btn-outline:hover{background:#1a2b6b;color:#fff}
.btn-gold{background:linear-gradient(135deg,#f4c430,#e0a91a);color:#1a2b6b;border-color:#f4c430;box-shadow:0 6px 18px rgba(244,196,48,.4)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(244,196,48,.5)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.site-nav{background:#f3f1fb;border-bottom:1px solid #e6e9f5}
.nav-inner{display:flex;justify-content:center;gap:30px;flex-wrap:wrap;padding:14px 20px}
.nav-inner a{color:#1a2b6b;font-weight:600;font-size:15px;transition:color .2s}
.nav-inner a:hover{color:#f4c430}

/* Hero */
.hero{background-size:cover;background-position:center;color:#fff;padding:80px 0 70px;position:relative}
.hero-inner{display:flex;align-items:center;min-height:380px}
.hero-text{max-width:760px}
.hero-pill{display:inline-block;background:rgba(244,196,48,.15);color:#f4c430;border:1px solid #f4c430;padding:6px 14px;border-radius:30px;font-size:13px;font-weight:600;margin-bottom:18px}
.hero-title{font-size:44px;font-weight:800;line-height:1.15;margin-bottom:18px;text-shadow:0 2px 12px rgba(0,0,0,.3)}
.hero-sub{font-size:18px;opacity:.92;margin-bottom:28px;max-width:620px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:24px}
.hero-meta{display:flex;gap:24px;flex-wrap:wrap;font-size:14px;color:#dadffd}
.hero-meta span{display:flex;align-items:center;gap:6px}

/* Feature Strip */
.feature-strip{background:#fff;padding:30px 0;border-bottom:1px solid #e6e9f5}
.feature-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.feature{display:flex;align-items:center;gap:14px;padding:18px;background:#f7f9ff;border-radius:12px;border:1px solid #e6e9f5}
.feature svg{width:36px;height:36px;flex-shrink:0;background:#1a2b6b;padding:7px;border-radius:10px}
.feature strong{display:block;color:#1a2b6b;font-size:16px}
.feature span{font-size:13px;color:#5a6398}

/* Content */
.content{padding:60px 0 40px}
.content-article{background:#fff;padding:50px 56px;border-radius:16px;box-shadow:0 4px 30px rgba(14,26,58,.06)}
.content-article h1{font-size:34px;color:#1a2b6b;margin-bottom:24px;line-height:1.2;text-align:center}
.content-article h2{font-size:26px;color:#1a2b6b;margin:36px 0 14px;padding-bottom:10px;border-bottom:3px solid #f4c430;display:inline-block}
.content-article h3{font-size:20px;color:#243a8e;margin:24px 0 10px}
.content-article p{margin-bottom:14px;color:#2c3563}
.content-article ul{margin:14px 0 18px 22px}
.content-article li{margin-bottom:8px;color:#2c3563}
.content-article strong{color:#1a2b6b}

/* FAQ */
.faq{padding:50px 20px}
.section-title{font-size:30px;font-weight:800;color:#1a2b6b;text-align:center;margin-bottom:30px}
.faq-list{max-width:880px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq-item{background:#fff;border-radius:12px;overflow:hidden;border:1px solid #e6e9f5;transition:border-color .2s}
.faq-item.active{border-color:#f4c430}
.faq-q{width:100%;text-align:left;padding:18px 22px;background:transparent;border:0;font-size:16px;font-weight:600;color:#1a2b6b;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-family:inherit}
.chev{width:12px;height:12px;border-right:2px solid #1a2b6b;border-bottom:2px solid #1a2b6b;transform:rotate(45deg);transition:transform .25s}
.faq-item.active .chev{transform:rotate(-135deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;padding:0 22px}
.faq-item.active .faq-a{max-height:300px;padding:0 22px 18px}

/* Author */
.author{padding:40px 20px 60px}
.author-card{display:flex;gap:24px;align-items:flex-start;background:#fff;border-radius:16px;padding:28px;box-shadow:0 4px 30px rgba(14,26,58,.06);max-width:880px;margin:0 auto;border-left:5px solid #f4c430}
.author-avatar{width:72px;height:72px;border-radius:50%;background:linear-gradient(135deg,#1a2b6b,#3a4ea0);color:#f4c430;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:24px;flex-shrink:0}
.author-name{font-size:20px;font-weight:700;color:#1a2b6b}
.author-role{font-size:13px;color:#5a6398;margin-bottom:10px}
.author-info p{color:#2c3563;font-size:15px;margin-bottom:8px}
.author-meta{font-size:12px;color:#7a83b4}

/* Footer */
.site-footer{background:#0e1a3a;color:#cdd3eb;padding:50px 0 20px;margin-top:40px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.4fr;gap:30px;padding-bottom:30px;border-bottom:1px solid #243a8e}
.footer-brand{font-size:24px;color:#fff;margin-bottom:12px}
.footer-title{font-size:15px;font-weight:700;color:#f4c430;margin-bottom:14px;text-transform:uppercase;letter-spacing:.5px}
.site-footer a{display:block;padding:5px 0;color:#cdd3eb;font-size:14px;transition:color .2s}
.site-footer a:hover{color:#f4c430}
.footer-bottom{padding-top:20px;text-align:center;font-size:13px;color:#8a93b8}
.badges{display:flex;justify-content:center;gap:12px;flex-wrap:wrap;margin-bottom:14px}
.badges span{background:#1a2b6b;border:1px solid #243a8e;padding:5px 12px;border-radius:6px;font-size:12px;color:#f4c430;font-weight:600}

/* Responsive */
@media (max-width:992px){
  .feature-grid{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .hero-title{font-size:36px}
  .content-article{padding:36px 30px}
}
@media (max-width:640px){
  .header-inner{flex-direction:column;gap:14px}
  .nav-inner{gap:16px;font-size:14px}
  .hero{padding:50px 0 40px}
  .hero-title{font-size:28px}
  .hero-sub{font-size:16px}
  .feature-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;text-align:center}
  .content-article{padding:26px 18px;border-radius:10px}
  .content-article h1{font-size:26px}
  .content-article h2{font-size:22px}
  .author-card{flex-direction:column;align-items:center;text-align:center}
  .btn{padding:11px 18px;font-size:13px}
  .hero-cta{flex-direction:column;align-items:stretch}
}