:root{
  --navy:#0b3654;
  --navy-dark:#082a42;
  --gold:#c8952e;
  --bg:#f6f8fa;
  --text:#26333f;
  --muted:#5c6b78;
}
*{box-sizing:border-box;}
body{margin:0;font-family:'Inter',Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.65;}
a{color:var(--navy);text-decoration:none;}
a:hover{text-decoration:underline;}
.site-header{background:var(--navy);color:#fff;padding:0 24px;}
.header-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:16px 0;flex-wrap:wrap;}
.logo{display:flex;align-items:center;gap:10px;font-size:1.3rem;font-weight:700;color:#fff;}
.logo span.badge{background:var(--gold);color:#fff;width:36px;height:36px;border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;}
.nav-links{display:flex;gap:20px;flex-wrap:wrap;}
.nav-links a{color:#dce6ee;font-weight:500;}
.nav-links a:hover{color:#fff;}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy-dark));color:#fff;padding:56px 24px;}
.hero-inner{max-width:1100px;margin:0 auto;}
.hero h1{font-size:2.2rem;margin:0 0 12px;}
.hero p{max-width:640px;color:#cdd9e2;font-size:1.05rem;}
.eyebrow{text-transform:uppercase;letter-spacing:1.5px;color:var(--gold);font-weight:700;font-size:.8rem;margin-bottom:10px;display:block;}
main{max-width:1100px;margin:0 auto;padding:40px 24px;}
.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:20px;}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:22px;margin-top:24px;}
.card{background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 2px 10px rgba(11,54,84,.08);transition:.2s;display:block;border:1px solid #e7edf2;}
.card:hover{transform:translateY(-3px);box-shadow:0 8px 20px rgba(11,54,84,.12);text-decoration:none;}
.card .tag{display:inline-block;background:#eaf1f6;color:var(--navy);font-size:.72rem;font-weight:700;padding:4px 10px;border-radius:20px;margin-bottom:10px;text-transform:uppercase;letter-spacing:.5px;}
.card-body{padding:18px 20px;}
.card h3{margin:0 0 8px;font-size:1.08rem;color:var(--navy-dark);}
.card p{margin:0;color:var(--muted);font-size:.92rem;}
.article-body h2{color:var(--navy-dark);margin-top:32px;}
.article-body h1{font-size:1.9rem;color:var(--navy-dark);}
.article-body p{font-size:1.02rem;}
.disclaimer{background:#fff7e6;border-left:4px solid var(--gold);padding:14px 18px;font-size:.9rem;color:#6b5626;border-radius:6px;margin:24px 0;}
.ad-slot{margin:28px 0;text-align:center;}
.cta-box{background:#fff;border:1px solid #e2e9ee;border-radius:12px;padding:24px;margin-top:32px;}
.site-footer{background:var(--navy-dark);color:#c3d1db;padding:36px 24px 20px;margin-top:50px;}
.footer-inner{max-width:1100px;margin:0 auto;display:flex;justify-content:space-between;flex-wrap:wrap;gap:24px;}
.footer-col h4{color:#fff;margin:0 0 12px;font-size:.95rem;}
.footer-col a{display:block;color:#aebfcc;margin-bottom:8px;font-size:.9rem;}
.footer-bottom{text-align:center;font-size:.8rem;color:#7d8fa0;margin-top:24px;border-top:1px solid #1c3a4f;padding-top:16px;}
.btn{display:inline-block;background:var(--gold);color:#fff;padding:10px 22px;border-radius:8px;font-weight:600;}
.btn:hover{background:#b58527;text-decoration:none;}
@media(max-width:600px){.hero h1{font-size:1.6rem;}}