:root{--ink:#234576;--muted:#5b7296;--gold:#e1b45f;--line:#d9e5f5;--bg:#f4f8ff}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font:15px/1.85 system-ui,-apple-system,"Microsoft YaHei",sans-serif}
a{color:#2f6ab5;text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:900px;margin:0 auto;padding:0 20px}
header{background:linear-gradient(120deg,#234576,#3d6da8);color:#fff}
header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}
header b{font-size:18px;letter-spacing:.04em}
header nav a{color:#e8f1ff;margin-left:16px;font-size:14px}
.crumb{font-size:13px;color:var(--muted);padding:18px 0 0}
main{padding-bottom:48px}
article{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px 30px 34px;margin-top:16px;box-shadow:0 6px 22px rgba(35,69,118,.06)}
h1{font-size:27px;line-height:1.45;margin:0 0 14px}
h2{font-size:19px;margin:30px 0 10px;border-left:4px solid var(--gold);padding-left:11px}
h3{font-size:16px;margin:20px 0 6px}
p{margin:9px 0}
ul,ol{margin:9px 0;padding-left:22px}
li{margin:5px 0}
.lead{font-size:16px;color:#3a5682}
.card{background:#f3f8ff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin:14px 0}
.qa{border-bottom:1px dashed var(--line);padding:10px 0}
.qa:last-child{border-bottom:0}
.qa strong{display:block;margin-bottom:4px}
.rel{margin-top:22px}
.rel a{display:inline-block;margin:5px 12px 5px 0;padding:8px 14px;border:1px solid var(--line);border-radius:9px;background:#fff}
.cta{display:inline-block;margin-top:22px;padding:11px 24px;border-radius:10px;background:var(--ink);color:#fff;font-weight:600}
.cta:hover{text-decoration:none;opacity:.9}
footer{border-top:1px solid var(--line);padding:22px 0 40px;color:var(--muted);font-size:13px}
@media(max-width:640px){article{padding:20px 18px 26px}h1{font-size:22px}header nav a{margin-left:10px}}