:root{--blue:#005bac;--deep:#001f3f;--ink:#101820;--muted:#627184;--paper:#f4f6f8;--line:#d7e0ea;--white:#fff;--green:#009b77}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}a{text-decoration:none;color:inherit}a:hover{color:var(--blue)}
.top{background:#fff;border-bottom:1px solid var(--line)}.wrap{max-width:1240px;margin:auto;padding:0 20px}.top .wrap{display:flex;justify-content:space-between;align-items:center;height:74px}.logo{font-size:28px;font-weight:900;color:var(--blue);letter-spacing:.5px}.logo small{font-size:12px;color:var(--muted);display:block;letter-spacing:.12em}.navlinks{display:flex;gap:22px;align-items:center;font-weight:700;font-size:14px}.lang{border:1px solid var(--line);padding:8px 12px}
.page{max-width:1240px;margin:0 auto;padding:22px 20px}.hero{display:grid;grid-template-columns:285px 1fr;gap:24px}.side{background:#fff;border:1px solid var(--line)}.side h3{margin:0;background:var(--deep);color:#fff;padding:16px;text-transform:uppercase;font-size:14px}.side a{display:block;padding:13px 16px;border-bottom:1px solid var(--line);font-weight:800}.side .note{padding:16px;color:var(--muted);font-size:14px}
.visual{background:linear-gradient(110deg,rgba(0,31,63,.95),rgba(0,91,172,.75)),radial-gradient(circle at 70% 30%,#7fb4e8,transparent 30%),linear-gradient(135deg,#e8eef5,#fff);min-height:450px;color:#fff;padding:48px;display:grid;grid-template-columns:1fr 310px;gap:28px;align-items:end}.visual h1{font-size:48px;line-height:1.05;margin:10px 0}.eyebrow{letter-spacing:.18em;text-transform:uppercase;color:#b9e3ff;font-weight:900;font-size:12px}.cta{display:inline-block;background:#fff;color:var(--blue);padding:12px 18px;font-weight:900;margin-top:14px}.panel{background:#fff;color:var(--ink);padding:22px;box-shadow:0 18px 40px rgba(0,0,0,.2)}.panel b{color:var(--blue)}.panel input{width:100%;padding:12px;border:1px solid var(--line);margin:10px 0}
.highlights{margin:24px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.highlight{background:#fff;border:1px solid var(--line);padding:18px}.highlight span{display:block;color:var(--blue);font-size:28px;font-weight:900}
.section{background:#fff;border:1px solid var(--line);padding:26px;margin:22px 0}.section h2{margin-top:0;color:var(--deep);font-size:30px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{border:1px solid var(--line);padding:18px;background:#fbfdff}.card b{color:var(--blue)}.news article{display:grid;grid-template-columns:120px 1fr;gap:18px;border-top:1px solid var(--line);padding:16px 0}.date{color:var(--blue);font-weight:900}
.layout{display:grid;grid-template-columns:285px 1fr;gap:24px}.content{background:#fff;border:1px solid var(--line);padding:30px}.breadcrumb{color:var(--muted);font-size:13px;margin-bottom:14px}.content h1,.article h1{font-size:39px;line-height:1.12;color:var(--deep)}.article h2{margin-top:30px;color:var(--blue)}.risk{border-left:5px solid var(--green);background:#eefaf6;padding:14px;margin:18px 0;font-weight:800}.faq details{border:1px solid var(--line);padding:12px;margin:10px 0;background:#fbfdff}
.footer{background:#001f3f;color:#dcecff;margin-top:40px}.footer .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:25px;padding-top:28px;padding-bottom:28px}.footer h4{color:#fff}.footer a{display:block;color:#dcecff;margin:7px 0}
@media(max-width:900px){.hero,.visual,.layout{grid-template-columns:1fr}.highlights,.cards,.footer .wrap{grid-template-columns:1fr}.visual h1{font-size:34px}.navlinks{display:none}}