:root{--navy:#0A3161;--blue:#1E56B8;--red:#B31942;--gold:#FFD100;--ink:#0B1F4D;--mut:#5b6785;--bg:#f6f8fd;--card:#fff;--line:#d7def0}
@media(prefers-color-scheme:dark){:root{--ink:#eaf0ff;--mut:#9fb0d6;--bg:#0b1430;--card:#14214a;--line:#26366b}}
*{box-sizing:border-box}body{margin:0;font:17px/1.65 system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;background:var(--bg);color:var(--ink)}a{color:var(--blue)}
.top{display:flex;align-items:center;gap:14px;flex-wrap:wrap;padding:10px 20px;background:var(--navy);color:#fff}.top a{color:#fff;text-decoration:none}.brand{display:flex;align-items:center;gap:10px;font-weight:900;font-size:1.2rem}.brand img{border-radius:9px}.brand i{font-style:normal;color:var(--gold)}
.top nav{margin-left:auto;display:flex;gap:16px;align-items:center;flex-wrap:wrap;font-size:.95rem}.top .cta{background:var(--gold);color:#1b1500;padding:8px 14px;border-radius:99px;font-weight:800}
main{max-width:860px;margin:0 auto;padding:22px 18px 40px}h1{font-size:2rem;line-height:1.2;margin:.4em 0}h2{font-size:1.3rem;margin:1.4em 0 .4em}
.crumbs{font-size:.85rem;color:var(--mut)}.crumbs a{color:var(--mut)}.lead{font-size:1.2rem}
.btn{display:inline-block;background:var(--gold);color:#1b1500;font-weight:800;padding:13px 22px;border-radius:14px;text-decoration:none;box-shadow:0 4px 0 #c9a600}.ctas{display:flex;gap:14px;align-items:center;flex-wrap:wrap;margin:18px 0}.mut{color:var(--mut)}
.qcard{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:16px 18px}.pills{margin:0 0 8px}.pill{display:inline-block;background:var(--line);border-radius:99px;padding:2px 10px;font-size:.78rem;font-weight:700;margin-right:6px}.pill.star{background:var(--gold);color:#1b1500}
.ans{background:rgba(6,118,71,.1);border-left:5px solid #067647;border-radius:10px;padding:2px 16px 10px;margin:10px 0}.ans h2{margin-top:.6em}.why{background:rgba(30,86,184,.08);border-left:5px solid var(--blue);border-radius:10px;padding:2px 16px 8px;margin:10px 0}.tip{background:rgba(255,209,0,.2);border-left:5px solid var(--gold);border-radius:10px;padding:2px 16px 8px;margin:10px 0}
.why h2,.tip h2{font-size:1.05rem;margin:.6em 0 .2em}.warn{background:#fff3cd;color:#5c4400;border-radius:10px;padding:10px 14px;margin:10px 0}.q-en{color:var(--mut)}
.rel{padding-left:20px}.pn{display:flex;justify-content:space-between;margin-top:22px}
table{border-collapse:collapse;width:100%;margin:14px 0}td,th{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}th{background:var(--navy);color:#fff}
.feat{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;margin:18px 0}.feat div{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:12px 14px}.feat p{margin:.3em 0 0;color:var(--mut);font-size:.95rem}
details{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:10px 14px;margin:8px 0}summary{cursor:pointer;font-weight:700}
footer{max-width:860px;margin:0 auto;padding:18px;color:var(--mut);font-size:.85rem;border-top:1px solid var(--line)}
#cbn{position:fixed;left:12px;right:12px;bottom:12px;background:var(--navy);color:#fff;border-radius:16px;padding:12px 16px;display:flex;gap:12px;align-items:center;flex-wrap:wrap;z-index:50;box-shadow:0 8px 30px rgba(0,0,0,.3)}#cbn a{background:var(--gold);color:#1b1500;font-weight:800;padding:8px 14px;border-radius:99px;text-decoration:none}#cbn button{background:none;border:0;color:#fff;font-size:1.2rem;cursor:pointer;margin-left:auto}

.opts{padding-left:28px}.opts li{margin:6px 0}