:root{--ink:#14213d;--ink2:#3a4a6b;--muted:#5b6b8c;--paper:#f6f3ec;--white:#fff;--navy:#0b2a6b;--navy2:#123b8f;--gold:#e0a325;--gold2:#f5c451;--line:#e3dccd;--soft:#efe9dc}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.75 Georgia,"Times New Roman",serif;overflow-x:clip}
h1,h2,h3,.ui,nav,header,footer,.cta,.tag,.verdict,.tbl,.callout,.grid3,.pc,.faq summary,.related,.side{font-family:"Segoe UI",Inter,Roboto,system-ui,sans-serif}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy2)}
.wrap{width:min(100% - 32px,1100px);margin:0 auto}

/* masthead */
.mast{background:var(--navy);color:#fff;position:sticky;top:0;z-index:40;box-shadow:0 2px 14px rgba(11,42,107,.25)}
.mast .wrap{display:flex;align-items:center;gap:14px;height:64px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;flex:none}
.brand img{width:38px;height:38px;border-radius:50%;border:2px solid var(--gold2)}
.brand strong{font-size:18px;letter-spacing:.03em}
.brand em{font-style:normal;color:var(--gold2);font-size:12px;display:block;line-height:1;letter-spacing:.1em;text-transform:uppercase}
.links{display:none;margin-left:auto;gap:4px}
.links a{color:#cfdaf5;text-decoration:none;font-size:14px;font-weight:600;padding:7px 10px;border-radius:8px;white-space:nowrap}
.links a:hover,.links a[aria-current]{background:rgba(255,255,255,.12);color:#fff}
.mast .cta{margin-left:auto}
.dd{position:relative}
.dd>summary{list-style:none;cursor:pointer;color:#fff;font-weight:700;font-size:14px;padding:8px 12px;border:1px solid rgba(255,255,255,.3);border-radius:8px}
.dd>summary::-webkit-details-marker{display:none}
.dd[open]>summary{background:rgba(255,255,255,.12)}
.dd nav{position:absolute;right:0;top:46px;width:230px;background:#fff;border-radius:12px;box-shadow:0 18px 40px rgba(0,0,0,.25);padding:6px;border:1px solid var(--line)}
.dd nav a{display:block;padding:10px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:600;font-size:15px}
.dd nav a:hover,.dd nav a[aria-current]{background:var(--soft)}
@media(min-width:1100px){.links{display:flex}.dd{display:none}.mast .cta{margin-left:10px}}

/* buttons */
.cta{display:inline-flex;align-items:center;justify-content:center;padding:11px 20px;border-radius:10px;font-weight:800;font-size:14px;letter-spacing:.03em;text-decoration:none;white-space:nowrap;transition:transform .15s}
.cta:hover{transform:translateY(-1px)}
.gold{background:linear-gradient(180deg,var(--gold2),var(--gold));color:#2b1a00;box-shadow:0 4px 14px rgba(224,163,37,.35)}
.navy{background:var(--navy);color:#fff}
.line{border:2px solid var(--navy);color:var(--navy);background:#fff}
.mast .cta{padding:9px 15px;font-size:13px}

/* hero */
.hero{background:linear-gradient(180deg,#fff,var(--paper));border-bottom:1px solid var(--line);padding:18px 0 26px}
.trail{font:13px/1.4 "Segoe UI",system-ui,sans-serif;color:var(--muted);margin:4px 0 12px}
.trail a{color:var(--muted)}
.tag{display:inline-block;background:var(--navy);color:var(--gold2);font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;padding:4px 10px;border-radius:4px;margin-bottom:10px}
h1{font-size:clamp(28px,4.6vw,44px);line-height:1.15;margin:0 0 12px;color:var(--navy);letter-spacing:-.01em}
.intro{font-size:19px;color:var(--ink2);max-width:760px;margin:0 0 18px}
.ctas{display:flex;flex-wrap:wrap;gap:10px}
.byline{font:13px "Segoe UI",system-ui,sans-serif;color:var(--muted);margin-top:14px}
.ad{display:block;margin:18px 0;border-radius:12px;overflow:hidden;box-shadow:0 8px 24px rgba(11,42,107,.18)}
.ad img{width:100%}
.ad-sq{max-width:300px;margin:28px auto}

/* verdict */
.verdict{display:grid;gap:10px;margin:22px 0 4px}
@media(min-width:640px){.verdict{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.verdict{grid-template-columns:repeat(3,1fr)}}
.verdict div{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;padding:12px 14px}
.verdict b{display:block;color:var(--navy);font-size:14px;text-transform:uppercase;letter-spacing:.06em}
.verdict span{font-size:14px;color:var(--ink2);line-height:1.5}

/* layout */
.cols{display:grid;grid-template-columns:minmax(0,1fr);gap:30px;margin:28px 0 36px}
.cols>*{min-width:0}
@media(min-width:980px){.cols{grid-template-columns:minmax(0,1fr) 290px}.side{position:sticky;top:84px;align-self:start}}
.post{background:#fff;border:1px solid var(--line);border-radius:14px;padding:clamp(18px,4vw,40px)}
.jump{background:var(--soft);border-radius:10px;padding:14px 18px;margin:0 0 24px;font:15px/1.5 "Segoe UI",system-ui,sans-serif}
.jump b{display:block;color:var(--navy);margin-bottom:6px}
.jump ol{margin:0;padding-left:20px}
.jump a{color:var(--ink2);text-decoration:none}.jump a:hover{color:var(--navy2);text-decoration:underline}
.post h2{color:var(--navy);font-size:clamp(23px,3vw,29px);line-height:1.25;margin:40px 0 12px;padding-top:6px;border-top:1px solid var(--line)}
.post h2:first-of-type{border-top:0;margin-top:4px}
.post h3{color:var(--ink);font-size:20px;margin:26px 0 8px}
.post p,.post li{color:var(--ink2)}
.post ul,.post ol{padding-left:24px}
.post li{margin:7px 0}
.post li::marker{color:var(--gold);font-weight:700}
.post strong{color:var(--ink)}
.tbl{overflow-x:auto;margin:18px 0 22px;border:1px solid var(--line);border-radius:10px}
table{width:100%;border-collapse:collapse;font-size:15px;min-width:460px}
th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px;font-weight:700}
td{padding:10px 12px;border-top:1px solid var(--line);color:var(--ink2);vertical-align:top}
tr:nth-child(even) td{background:#faf8f3}
.grid3{display:grid;gap:12px;margin:18px 0}
@media(min-width:640px){.grid3{grid-template-columns:repeat(3,1fr)}}
.grid3 div{background:var(--soft);border-radius:10px;padding:14px}
.grid3 b{display:block;color:var(--navy);margin-bottom:4px}.grid3 span{font-size:15px;color:var(--ink2);line-height:1.55}
.pc{display:grid;gap:12px;margin:18px 0}
@media(min-width:640px){.pc{grid-template-columns:1fr 1fr}}
.pc>div{border-radius:10px;padding:14px 16px}
.pro{background:#eaf6ec;border:1px solid #bfe3c5}.con{background:#fbeeee;border:1px solid #efc9c9}
.pc b{display:block;margin-bottom:4px}.pc ul{margin:0;padding-left:20px;font-size:15px}
.callout{display:flex;flex-wrap:wrap;align-items:center;gap:6px 16px;margin:28px 0;padding:16px 18px;border-radius:12px;background:var(--navy);color:#fff}
.callout b{color:var(--gold2);font-size:17px;flex:1 1 100%}
.callout span{flex:1 1 220px;font-size:15px;color:#d6e0f7}

/* faq */
.faq{margin-top:36px}
.faq details{border:1px solid var(--line);border-radius:10px;margin:10px 0;background:#fff}
.faq summary{list-style:none;cursor:pointer;padding:14px 16px;font-weight:700;color:var(--navy);display:flex;justify-content:space-between;gap:10px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"▾";color:var(--gold);transition:transform .2s}
.faq details[open] summary:after{transform:rotate(180deg)}
.faq details p{margin:0;padding:0 16px 16px}

/* side */
.side .box{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px}
.side h3{margin:0 0 8px;font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.side ul{list-style:none;margin:0;padding:0}
.side li a{display:block;padding:8px 10px;border-radius:8px;text-decoration:none;color:var(--ink);font-size:15px;font-weight:600}
.side li a:hover,.side li a[aria-current]{background:var(--soft);color:var(--navy)}
.side .ad{margin:16px auto 0;max-width:290px}

.more{margin:6px 0 40px}
.more h2{color:var(--navy);font-size:24px;margin:0 0 12px}
.related{display:grid;gap:12px}
@media(min-width:720px){.related{grid-template-columns:repeat(3,1fr)}}
.related a{display:block;background:#fff;border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:10px;padding:16px;text-decoration:none}
.related a:hover{border-top-color:var(--gold)}
.related b{display:block;color:var(--navy);margin-bottom:4px}.related span{color:var(--muted);font-size:14px}

footer{background:#0a1c47;color:#b9c6e4;padding:30px 0 120px;font-size:14px}
footer .fc{display:grid;gap:20px}
@media(min-width:760px){footer .fc{grid-template-columns:2fr 1fr 1fr}}
footer h4{color:#fff;margin:0 0 8px}
footer ul{list-style:none;margin:0;padding:0}footer li{margin:5px 0}
footer a{color:#b9c6e4;text-decoration:none}footer a:hover{color:#fff}
.legal{margin-top:20px;padding-top:16px;border-top:1px solid rgba(255,255,255,.12);font-size:13px}

.x{display:none}
.dock{position:fixed;z-index:50;left:50%;bottom:max(10px,env(safe-area-inset-bottom));transform:translateX(-50%);width:min(100% - 20px,520px);display:flex;align-items:center;gap:10px;padding:8px 10px;border-radius:14px;background:#0b2a6b;border:2px solid var(--gold2);box-shadow:0 12px 34px rgba(0,0,0,.35);font-family:"Segoe UI",system-ui,sans-serif}
.dock img{width:40px;height:40px;border-radius:50%;flex:none;border:2px solid var(--gold2)}
.dock span{flex:1;min-width:0;color:#d6e0f7;font-size:12px;line-height:1.3}
.dock strong{display:block;color:var(--gold2);font-size:13px}
.dock .cta{padding:9px 13px;font-size:12px}
.dock label{flex:none;cursor:pointer;color:#d6e0f7;font-size:20px;width:24px;text-align:center}
.x:checked~.dock{display:none}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}