:root{--primary:#0f5fa8;--dark:#0b1722;--accent:#25D366;--text:#18212b;--muted:#5c6b79;--bg:#f5f7fa;--border:#dbe4ec}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.7}
a{text-decoration:none;color:inherit}.container{width:min(calc(100% - 32px),1120px);margin:auto}
.top{background:var(--dark);color:#fff;padding:9px 0;font-size:14px}.top .container{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20}.nav{display:flex;justify-content:space-between;align-items:center;min-height:70px;gap:18px}
.brand{font-size:23px;font-weight:900;color:var(--primary)}.brand small{display:block;font-size:11px;color:var(--muted);letter-spacing:.8px}
.menu{display:flex;gap:17px;font-weight:800;color:#35495e;font-size:14px}.menu a:hover{color:var(--primary)}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 17px;border-radius:13px;background:var(--primary);color:#fff;font-weight:900}.btn.wa{background:var(--accent)}
.hero{background:linear-gradient(135deg,#071827,#0f5fa8);color:#fff;padding:58px 0}.hero h1{font-size:clamp(32px,5vw,54px);line-height:1.08;margin:0 0 14px}.hero p{font-size:19px;max-width:820px;color:#eaf3fb}
.breadcrumb{font-size:14px;color:#dce8f4;margin-bottom:14px}.breadcrumb a{color:#fff;text-decoration:underline}
.grid{display:grid;grid-template-columns:1fr 310px;gap:28px;padding:34px 0}.content,.sidebox,.card{background:#fff;border:1px solid var(--border);border-radius:20px;box-shadow:0 16px 36px rgba(12,28,44,.07)}
.content{padding:30px}.content h2{font-size:28px;color:#0f5fa8;margin:28px 0 10px}.content h3{font-size:22px;margin:22px 0 8px}.content p{margin:0 0 14px}.content ul{padding-left:22px}.content li{margin:8px 0}
.side{display:grid;gap:16px;align-content:start}.sidebox{padding:20px}.sidebox h3{margin:0 0 12px;color:#0f5fa8}.sidebox a{display:block;padding:8px 0;border-bottom:1px solid #edf2f6;color:#334;font-weight:700;font-size:14px}
.cta{margin:28px 0;padding:24px;border-radius:20px;background:linear-gradient(135deg,#0f5fa8,#0b3f6d);color:#fff}.cta p{color:#e8f3ff}.cta .btn{background:#25D366}
.faq{display:grid;gap:12px}.faq details{border:1px solid var(--border);border-radius:14px;padding:14px;background:#f8fbfd}.faq summary{font-weight:900;cursor:pointer}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:20px}.related a{background:#fff;border:1px solid var(--border);border-radius:15px;padding:14px;font-weight:800;color:#0f5fa8}
footer{background:#0b1722;color:#cbd7e3;margin-top:20px;padding:34px 0}.footgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:20px}footer h3,footer h4{color:#fff;margin:0 0 10px}
.mobilebar{display:none}
@media(max-width:850px){.menu{display:none}.grid{grid-template-columns:1fr}.content{padding:20px}.related{grid-template-columns:1fr}.footgrid{grid-template-columns:1fr}body{padding-bottom:78px}.mobilebar{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;bottom:10px;left:10px;right:10px;background:rgba(255,255,255,.9);padding:8px;border-radius:18px;box-shadow:0 12px 30px rgba(0,0,0,.18);z-index:50}.mobilebar .btn{width:100%}}