:root{
      --primary:#0B3D91;
      --primary-dark:#072d6d;
      --accent:#0891B2;
      --accent-soft:#ecfeff;
      --ink:#172033;
      --muted:#64748b;
      --line:#dbe5ee;
      --surface:#ffffff;
      --surface-soft:#f5f8fc;
      --shadow:0 16px 40px rgba(15,23,42,.09);
      --radius:18px;
    }
    *{
      box-sizing:border-box;
    }
    html{
      scroll-behavior:smooth;
    }
    body{
      margin:0;
      color:var(--ink);
      background:#f7f9fc;
      font-family:Inter,Arial,Helvetica,sans-serif;
      line-height:1.65;
    }
    body,
    button,
    input{
      font:inherit;
    }
    img{
      display:block;
      max-width:100%;
    }
    a{
      color:inherit;
      text-decoration:none;
    }
    button{
      color:inherit;
    }
    .container{
      width:min(1180px,calc(100% - 40px));
      margin:0 auto;
    }
    .topbar{
      color:#dbeafe;
      background:#071a3a;
      font-size:13px;
    }
    .topbar-inner{
      min-height:38px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
    }
    .topbar-links{
      display:flex;
      align-items:center;
      gap:20px;
    }
    .topbar a{
      transition:color .2s ease;
    }
    .topbar a:hover{
      color:#67e8f9;
    }
    .header{
      position:relative;
      z-index:50;
      background:rgba(255,255,255,.98);
      border-bottom:1px solid var(--line);
      box-shadow:0 6px 24px rgba(15,23,42,.04);
    }
    .header-inner{
      min-height:78px;
      display:flex;
      align-items:center;
      gap:24px;
    }
    .logo{
      min-width:190px;
      display:flex;
      align-items:center;
      gap:11px;
      color:var(--primary);
      font-weight:800;
      letter-spacing:-.02em;
    }
    .logo img{
      width:42px;
      height:42px;
      object-fit:contain;
      border-radius:10px;
    }
    .main-nav{
      margin-left:auto;
      align-self:stretch;
    }
    .nav-list{
      height:100%;
      display:flex;
      align-items:stretch;
      gap:3px;
      margin:0;
      padding:0;
      list-style:none;
    }
    .nav-item{
      position:relative;
      display:flex;
      align-items:center;
    }
    .nav-link{
      height:100%;
      display:flex;
      align-items:center;
      gap:6px;
      padding:0 11px;
      color:#24324a;
      font-size:14px;
      font-weight:700;
      white-space:nowrap;
      transition:color .2s ease,background .2s ease;
    }
    .nav-link:hover,
    .nav-item:focus-within>.nav-link{
      color:var(--primary);
      background:#f4f8ff;
    }
    .has-arrow::after{
      content:"";
      width:6px;
      height:6px;
      margin-top:-3px;
      border-right:1.5px solid currentColor;
      border-bottom:1.5px solid currentColor;
      transform:rotate(45deg);
      transition:transform .2s ease;
    }
    .nav-item:hover .has-arrow::after,
    .nav-item:focus-within .has-arrow::after{
      transform:rotate(225deg);
      margin-top:4px;
    }
    .dropdown-panel,
    .mega-menu{
      position:absolute;
      top:100%;
      left:0;
      z-index:70;
      padding:20px;
      background:#fff;
      border:1px solid var(--line);
      border-radius:0 0 16px 16px;
      box-shadow:var(--shadow);
      opacity:0;
      visibility:hidden;
      transform:translateY(8px);
      pointer-events:none;
      transition:opacity .2s ease,visibility .2s ease,transform .2s ease;
    }
    .dropdown-panel{
      width:330px;
    }
    .mega-menu{
      width:640px;
      left:50%;
      transform:translate(-50%,8px);
    }
    .nav-item:hover>.dropdown-panel,
    .nav-item:focus-within>.dropdown-panel{
      opacity:1;
      visibility:visible;
      transform:translateY(0);
      pointer-events:auto;
    }
    .nav-item:hover>.mega-menu,
    .nav-item:focus-within>.mega-menu{
      opacity:1;
      visibility:visible;
      transform:translate(-50%,0);
      pointer-events:auto;
    }
    .dropdown-panel::before,
    .mega-menu::before{
      content:"";
      position:absolute;
      right:0;
      bottom:100%;
      left:0;
      height:12px;
    }
    .panel-title{
      margin-bottom:13px;
      color:var(--primary);
      font-size:13px;
      font-weight:800;
      letter-spacing:.08em;
      text-transform:uppercase;
    }
    .panel-list{
      display:grid;
      gap:7px;
    }
    .panel-list a{
      display:grid;
      gap:2px;
      padding:9px 10px;
      border-radius:9px;
      color:#334155;
      font-size:14px;
      transition:background .2s ease,color .2s ease;
    }
    .panel-list a:hover{
      color:var(--primary);
      background:#eff6ff;
    }
    .panel-list small,
    .mega-card small{
      display:block;
      color:var(--muted);
      font-size:12px;
      line-height:1.45;
    }
    .mega-grid{
      display:grid;
      grid-template-columns:1fr 1fr;
      gap:18px;
    }
    .mega-card{
      display:flex;
      align-items:center;
      gap:11px;
      margin-bottom:8px;
      padding:10px;
      border:1px solid transparent;
      border-radius:11px;
      transition:background .2s ease,border-color .2s ease;
    }
    .mega-card:hover{
      background:#f5f9ff;
      border-color:#cfe0f5;
    }
    .mega-card img{
      width:42px;
      height:42px;
      flex:0 0 42px;
      object-fit:contain;
      border:1px solid var(--line);
      border-radius:10px;
      background:#fff;
    }
    .mega-card span{
      min-width:0;
    }
    .mega-card strong{
      display:block;
      color:#172033;
      font-size:14px;
    }
    .mega-footer{
      display:block;
      margin-top:15px;
      padding:10px 12px;
      color:#fff;
      background:var(--primary);
      border-radius:9px;
      text-align:center;
      font-size:13px;
      font-weight:800;
      transition:background .2s ease;
    }
    .mega-footer:hover{
      background:var(--primary-dark);
    }
    .header-btns{
      display:flex;
      align-items:center;
      gap:9px;
    }
    .member-link,
    .open-account{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:40px;
      padding:0 15px;
      border-radius:9px;
      font-size:13px;
      font-weight:800;
      white-space:nowrap;
    }
    .member-link{
      color:var(--primary);
      border:1px solid #b9cbea;
      background:#fff;
    }
    .open-account{
      color:#fff;
      border:1px solid var(--primary);
      background:var(--primary);
    }
    .member-link:hover{
      background:#eff6ff;
    }
    .open-account:hover{
      background:var(--primary-dark);
    }
    .hamburger{
      width:42px;
      height:42px;
      display:none;
      align-items:center;
      justify-content:center;
      flex-direction:column;
      gap:5px;
      padding:0;
      border:1px solid var(--line);
      border-radius:9px;
      background:#fff;
      cursor:pointer;
    }
    .hamburger span{
      width:20px;
      height:2px;
      background:var(--ink);
      transition:transform .2s ease,opacity .2s ease;
    }
    .hamburger.active span:nth-child(1){
      transform:translateY(7px) rotate(45deg);
    }
    .hamburger.active span:nth-child(2){
      opacity:0;
    }
    .hamburger.active span:nth-child(3){
      transform:translateY(-7px) rotate(-45deg);
    }
    .drawer-overlay{
      position:fixed;
      inset:0;
      z-index:90;
      background:rgba(3,12,30,.58);
      opacity:0;
      visibility:hidden;
      transition:opacity .25s ease,visibility .25s ease;
    }
    .drawer-overlay.open{
      opacity:1;
      visibility:visible;
    }
    .mobile-drawer{
      position:fixed;
      top:0;
      right:0;
      bottom:0;
      z-index:100;
      width:min(390px,92vw);
      overflow-y:auto;
      background:#fff;
      box-shadow:-20px 0 50px rgba(0,0,0,.2);
      transform:translateX(105%);
      transition:transform .25s ease;
    }
    .mobile-drawer.open{
      transform:translateX(0);
    }
    .drawer-head{
      min-height:76px;
      display:flex;
      align-items:center;
      gap:10px;
      padding:14px 18px;
      color:#fff;
      background:var(--primary);
    }
    .drawer-head strong{
      min-width:0;
      margin-right:auto;
    }
    .drawer-head>a{
      padding:7px 10px;
      border:1px solid rgba(255,255,255,.45);
      border-radius:7px;
      font-size:12px;
      font-weight:800;
    }
    .drawer-close{
      width:36px;
      height:36px;
      padding:0;
      color:#fff;
      background:transparent;
      border:0;
      font-size:28px;
      line-height:1;
      cursor:pointer;
    }
    .drawer-menu{
      padding:14px 18px 30px;
    }
    .drawer-link,
    .drawer-toggle{
      width:100%;
      min-height:48px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      padding:10px 4px;
      color:#1e293b;
      background:transparent;
      border:0;
      border-bottom:1px solid #e7edf4;
      font-weight:750;
      text-align:left;
      cursor:pointer;
    }
    .drawer-toggle::after{
      content:"+";
      color:var(--primary);
      font-size:20px;
    }
    .drawer-toggle.active::after{
      content:"−";
    }
    .drawer-submenu{
      max-height:0;
      overflow:hidden;
      padding:0 10px;
      background:#f7faff;
      transition:max-height .3s ease,padding .3s ease;
    }
    .drawer-submenu.open{
      max-height:720px;
      padding:8px 10px;
    }
    .drawer-submenu a{
      display:block;
      padding:9px 8px;
      color:#475569;
      border-bottom:1px dashed #dbe4ee;
      font-size:14px;
    }
    .article-page{
      padding:34px 0 74px;
    }
    .article-page .breadcrumb{
      display:flex;
      flex-wrap:wrap;
      align-items:center;
      gap:8px;
      margin-bottom:22px;
      color:var(--muted);
      font-size:13px;
    }
    .article-page .breadcrumb a{
      color:var(--primary);
      font-weight:700;
    }
    .article-page .article-layout{
      display:grid;
      grid-template-columns:minmax(0,1fr) 310px;
      align-items:start;
      gap:28px;
    }
    .article-page .article-main,
    .article-page .article-sidebar{
      min-width:0;
    }
    .article-page .article-shell{
      overflow:hidden;
      background:#fff;
      border:1px solid var(--line);
      border-radius:22px;
      box-shadow:0 12px 34px rgba(15,23,42,.06);
    }
    .article-page .article-head{
      padding:38px 42px 30px;
      background:
        radial-gradient(circle at 92% 12%,rgba(8,145,178,.14),transparent 29%),
        linear-gradient(145deg,#f8fbff 0%,#fff 68%);
      border-bottom:1px solid var(--line);
    }
    .article-page .article-kicker{
      display:inline-flex;
      align-items:center;
      gap:8px;
      margin-bottom:15px;
      padding:6px 11px;
      color:#0e7490;
      background:#cffafe;
      border-radius:999px;
      font-size:12px;
      font-weight:800;
      letter-spacing:.04em;
      text-transform:uppercase;
    }
    .article-page .article-kicker::before{
      content:"";
      width:7px;
      height:7px;
      border-radius:50%;
      background:var(--accent);
      box-shadow:0 0 0 4px rgba(8,145,178,.12);
    }
    .article-page h1{
      max-width:900px;
      margin:0;
      color:#111c30;
      font-size:clamp(32px,5vw,54px);
      line-height:1.13;
      letter-spacing:-.035em;
    }
    .article-page .article-meta{
      display:flex;
      flex-wrap:wrap;
      gap:10px 20px;
      margin-top:22px;
      color:var(--muted);
      font-size:14px;
    }
    .article-page .article-meta span{
      display:inline-flex;
      align-items:center;
      gap:7px;
    }
    .article-page .meta-dot{
      width:7px;
      height:7px;
      border:2px solid var(--accent);
      border-radius:50%;
    }
    .article-page .article-tags{
      display:flex;
      flex-wrap:wrap;
      align-items:center;
      gap:8px;
      margin-top:18px;
      color:var(--muted);
      font-size:13px;
    }
    .article-page .article-tags a{
      padding:5px 9px;
      color:var(--primary);
      background:#eef4ff;
      border:1px solid #d7e5fb;
      border-radius:999px;
      font-weight:700;
    }
    .article-page .article-body{
      min-width:0;
      max-width:100%;
      overflow-x:auto;
      padding:38px 42px 44px;
      color:#334155;
      font-size:17px;
    }
    .article-page .article-body h2,
    .article-page .article-body h3,
    .article-page .article-body h4{
      color:#172033;
      line-height:1.3;
    }
    .article-page .article-body h2{
      margin:38px 0 14px;
      padding-left:14px;
      border-left:4px solid var(--accent);
      font-size:28px;
    }
    .article-page .article-body h3{
      margin:30px 0 12px;
      font-size:22px;
    }
    .article-page .article-body p{
      margin:0 0 19px;
    }
    .article-page .article-body a{
      color:var(--primary);
      text-decoration:underline;
      text-underline-offset:3px;
    }
    .article-page .article-body img,
    .article-page .article-body video,
    .article-page .article-body iframe{
      max-width:100%;
      height:auto;
      border-radius:14px;
    }
    .article-page .article-body table{
      width:100%;
      max-width:100%;
      border-collapse:collapse;
    }
    .article-page .article-body th,
    .article-page .article-body td{
      padding:12px;
      border:1px solid var(--line);
      text-align:left;
    }
    .article-page .article-body blockquote{
      margin:28px 0;
      padding:20px 24px;
      color:#164e63;
      background:var(--accent-soft);
      border-left:4px solid var(--accent);
      border-radius:0 13px 13px 0;
    }
    .article-page .article-note{
      margin:0 42px 40px;
      padding:18px 20px;
      color:#7c2d12;
      background:#fff7ed;
      border:1px solid #fed7aa;
      border-radius:13px;
      font-size:14px;
    }
    .article-page .article-note strong{
      display:block;
      margin-bottom:4px;
      color:#9a3412;
    }
    .article-page .article-navigation{
      display:grid;
      grid-template-columns:1fr 1fr;
      gap:14px;
      margin-top:22px;
    }
    .article-page .article-navigation a{
      min-width:0;
      padding:18px;
      background:#fff;
      border:1px solid var(--line);
      border-radius:14px;
      box-shadow:0 7px 20px rgba(15,23,42,.04);
      transition:transform .2s ease,border-color .2s ease;
    }
    .article-page .article-navigation a:hover{
      border-color:#9bb9e7;
      transform:translateY(-2px);
    }
    .article-page .article-navigation small{
      display:block;
      margin-bottom:4px;
      color:var(--muted);
      font-weight:700;
    }
    .article-page .article-navigation strong{
      display:block;
      color:var(--primary);
      line-height:1.45;
    }
    .article-page .article-navigation .next{
      text-align:right;
    }
    .article-page .sidebar-card{
      margin-bottom:18px;
      padding:22px;
      background:#fff;
      border:1px solid var(--line);
      border-radius:17px;
      box-shadow:0 10px 28px rgba(15,23,42,.05);
    }
    .article-page .sidebar-card h2{
      margin:0 0 10px;
      color:#172033;
      font-size:19px;
    }
    .article-page .sidebar-card p{
      margin:0;
      color:var(--muted);
      font-size:14px;
    }
    .article-page .sidebar-card ul{
      margin:14px 0 0;
      padding-left:20px;
      color:#475569;
      font-size:14px;
    }
    .article-page .sidebar-card li+li{
      margin-top:8px;
    }
    .article-page .sidebar-cta{
      color:#e6faff;
      background:linear-gradient(145deg,var(--primary),#075985);
      border:0;
    }
    .article-page .sidebar-cta h2{
      color:#fff;
    }
    .article-page .sidebar-cta p{
      color:#c9eff8;
    }
    .article-page .sidebar-cta a{
      display:inline-flex;
      margin-top:16px;
      padding:10px 14px;
      color:#075985;
      background:#fff;
      border-radius:9px;
      font-size:13px;
      font-weight:800;
    }
    .article-page .related-section{
      margin-top:48px;
    }
    .article-page .section-heading{
      display:flex;
      align-items:end;
      justify-content:space-between;
      gap:20px;
      margin-bottom:18px;
    }
    .article-page .section-heading h2{
      margin:0;
      color:#172033;
      font-size:29px;
    }
    .article-page .section-heading p{
      margin:5px 0 0;
      color:var(--muted);
    }
    .article-page .related-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
    }
    .article-page .related-card{
      min-width:0;
      overflow:hidden;
      background:#fff;
      border:1px solid var(--line);
      border-radius:16px;
      box-shadow:0 9px 25px rgba(15,23,42,.05);
      transition:transform .2s ease,box-shadow .2s ease;
    }
    .article-page .related-card:hover{
      transform:translateY(-4px);
      box-shadow:0 16px 34px rgba(15,23,42,.09);
    }
    .article-page .related-card img{
      width:100%;
      height:170px;
      object-fit:cover;
      background:#e8eef6;
    }
    .article-page .related-content{
      padding:18px;
    }
    .article-page .related-content h3{
      margin:0 0 9px;
      color:#172033;
      font-size:18px;
      line-height:1.4;
    }
    .article-page .related-content p{
      display:-webkit-box;
      overflow:hidden;
      margin:0 0 14px;
      color:var(--muted);
      font-size:14px;
      -webkit-line-clamp:3;
      -webkit-box-orient:vertical;
    }
    .article-page .related-meta{
      display:flex;
      justify-content:space-between;
      gap:10px;
      color:#7b8798;
      font-size:12px;
    }
    .footer{
      color:#cbd5e1;
      background:#07162f;
      border-top:4px solid var(--accent);
    }
    .footer-grid{
      display:grid;
      grid-template-columns:1.45fr 1fr 1fr 1fr;
      gap:38px;
      padding:54px 0 40px;
    }
    .footer-brand{
      margin-bottom:13px;
      color:#fff;
      font-size:23px;
      font-weight:850;
    }
    .footer p{
      max-width:420px;
      margin:0;
      color:#94a3b8;
      font-size:14px;
    }
    .footer h3{
      margin:0 0 15px;
      color:#fff;
      font-size:15px;
    }
    .footer-grid>div>a{
      display:block;
      margin:8px 0;
      color:#aebdd0;
      font-size:14px;
      transition:color .2s ease;
    }
    .footer-grid>div>a:hover{
      color:#67e8f9;
    }
    .footer-bottom{
      min-height:66px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
      padding:16px 0;
      color:#8492a6;
      border-top:1px solid rgba(148,163,184,.2);
      font-size:13px;
    }
    @media (max-width:1120px){
      .main-nav{
        display:none;
      }
      .hamburger{
        display:flex;
      }
      .header-btns{
        margin-left:auto;
      }
      .article-page .article-layout{
        grid-template-columns:minmax(0,1fr) 280px;
      }
    }
    @media (max-width:850px){
      .article-page .article-layout{
        grid-template-columns:1fr;
      }
      .article-page .article-sidebar{
        display:grid;
        grid-template-columns:1fr 1fr;
        gap:18px;
      }
      .article-page .sidebar-card{
        margin-bottom:0;
      }
      .article-page .related-grid{
        grid-template-columns:repeat(2,minmax(0,1fr));
      }
      .footer-grid{
        grid-template-columns:1fr 1fr;
      }
    }
    @media (max-width:640px){
      .container{
        width:min(100% - 28px,1180px);
      }
      .topbar-inner{
        padding:8px 0;
        align-items:flex-start;
        flex-direction:column;
        gap:3px;
      }
      .topbar-links{
        flex-wrap:wrap;
        gap:4px 14px;
      }
      .header-inner{
        min-height:68px;
        gap:10px;
      }
      .logo{
        min-width:0;
        max-width:48%;
      }
      .logo img{
        width:36px;
        height:36px;
      }
      .logo span{
        overflow:hidden;
        text-overflow:ellipsis;
        white-space:nowrap;
      }
      .member-link{
        display:none;
      }
      .open-account{
        min-height:38px;
        padding:0 11px;
      }
      .article-page{
        padding:22px 0 52px;
      }
      .article-page .article-head{
        padding:27px 22px 24px;
      }
      .article-page h1{
        font-size:32px;
      }
      .article-page .article-body{
        padding:27px 22px 32px;
        font-size:16px;
      }
      .article-page .article-note{
        margin:0 22px 28px;
      }
      .article-page .article-navigation{
        grid-template-columns:1fr;
      }
      .article-page .article-navigation .next{
        text-align:left;
      }
      .article-page .article-sidebar{
        grid-template-columns:1fr;
      }
      .article-page .related-grid{
        grid-template-columns:1fr;
      }
      .article-page .section-heading{
        align-items:flex-start;
        flex-direction:column;
      }
      .footer-grid{
        grid-template-columns:1fr;
        gap:27px;
        padding:42px 0 32px;
      }
      .footer-bottom{
        align-items:flex-start;
        flex-direction:column;
      }
    }