* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-padding-top: 20px; }
body { font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif; line-height: 1.8; color: #333; background: #fff; }
a { color: #1a2a4a; text-decoration: none; }
a:hover { color: #2d9f9f; }
img { max-width: 100%; height: auto; }
ul, ol { margin-left: 1.5em; margin-bottom: 1em; }
li { margin-bottom: 0.5em; }
.container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }
header { background: linear-gradient(135deg, #1a2a4a 0%, #2d4a6a 100%); color: white; padding: 15px 0; box-shadow: 0 2px 10px rgba(0,0,0,0.2); }
.header-inner { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; }
.logo { font-family: 'Georgia', serif; font-size: 1.5em; font-weight: bold; display: flex; align-items: center; flex-wrap: wrap; }
.logo a { color: white; display: flex; align-items: center; gap: 10px; }
.logo .logo-icon { height: 38px; width: 38px; flex-shrink: 0; }
.logo .logo-text { display: inline; }
.logo .logo-text span { color: #e8a838; }
.tagline { font-size: 0.8em; opacity: 0.8; margin-top: 2px; font-style: italic; width: 100%; }
nav ul { display: flex; list-style: none; gap: 25px; margin: 0; }
nav ul li { margin: 0; }
nav ul li a { color: rgba(255,255,255,0.9); font-size: 0.95em; padding: 5px 0; transition: color 0.3s; }
nav ul li a:hover { color: #e8a838; }
.menu-toggle { display: none; background: none; border: none; color: white; font-size: 1.5em; cursor: pointer; }
.hero { background: linear-gradient(135deg, #1a2a4a 0%, #2d4a6a 100%); color: white; padding: 80px 20px; text-align: center; }
.hero h1 { font-size: 2.2em; max-width: 800px; margin: 0 auto 20px; line-height: 1.3; }
.hero p { font-size: 1.15em; max-width: 700px; margin: 0 auto 30px; opacity: 0.9; line-height: 1.7; }
.hero .cta-btn { display: inline-block; background: #e8a838; color: #1a2a4a; padding: 16px 40px; border-radius: 6px; font-weight: bold; font-size: 1.05em; transition: background 0.3s; }
.hero .cta-btn:hover { background: #d49a2e; color: #1a2a4a; }
section { padding: 60px 0; }
.section-title { text-align: center; margin-bottom: 40px; font-size: 1.8em; color: #1a2a4a; }
.grid-3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 30px; }
.card { text-align: center; padding: 30px; background: #fff; border-radius: 8px; box-shadow: 0 2px 15px rgba(0,0,0,0.08); transition: transform 0.3s; }
.card:hover { transform: translateY(-3px); }
.card .icon { font-size: 3em; margin-bottom: 15px; }
.card h3 { margin-bottom: 10px; color: #1a2a4a; }
.content { max-width: 800px; margin: 0 auto; padding: 40px 20px; }
.content h1 { font-size: 2em; color: #1a2a4a; margin-bottom: 20px; }
.content h2 { font-size: 1.5em; color: #1a2a4a; margin: 30px 0 15px; padding-bottom: 8px; border-bottom: 2px solid #e8a838; }
.content h3 { font-size: 1.2em; color: #2d4a6a; margin: 20px 0 10px; }
.content p { margin-bottom: 1em; }
.stats-bar { background: #f5f3f0; padding: 60px 20px; }
.stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 30px; text-align: center; }
.stat-number { font-size: 2.5em; font-weight: bold; color: #1a2a4a; }
.stat-label { color: #666; margin-top: 5px; }
.cta-section { text-align: center; padding: 60px 20px; }
.cta-section h2 { margin-bottom: 15px; color: #1a2a4a; }
.cta-buttons { margin: 30px 0; }
.cta-btn-secondary { display: inline-block; background: #1a2a4a; color: white; padding: 12px 30px; border-radius: 6px; text-decoration: none; margin: 5px; transition: background 0.3s; }
.cta-btn-secondary:hover { background: #2d4a6a; color: white; }
.disclaimer-banner { background: #fff3cd; border: 1px solid #ffc107; padding: 15px; border-radius: 4px; margin-bottom: 20px; font-size: 0.9em; }
.disclaimer-banner a { color: #856404; text-decoration: underline; }
.article-list { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 25px; }
.article-card { background: white; border-radius: 8px; box-shadow: 0 2px 15px rgba(0,0,0,0.08); overflow: hidden; transition: transform 0.3s; }
.article-card:hover { transform: translateY(-3px); }
.article-card-img { height: 200px; background: #2d4a6a; display:flex; align-items:center; justify-content:center; color:white; font-size:3em; }
.article-card-body { padding: 20px; }
.article-card-body h3 { margin-bottom: 10px; }
.article-card-body h3 a { color: #1a2a4a; }
.article-card-body h3 a:hover { color: #2d9f9f; }
.article-card-body p { color: #555; font-size: 0.95em; margin-bottom: 15px; }
.article-card .category-tag { display: inline-block; background: #e8a838; color: #1a2a4a; padding: 3px 10px; border-radius: 3px; font-size: 0.8em; font-weight: bold; margin-bottom: 10px; }
.faq-item { margin-bottom: 20px; border: 1px solid #e0e0e0; border-radius: 6px; overflow: hidden; }
.faq-question { padding: 15px 20px; background: #f8f9fa; font-weight: bold; cursor: pointer; color: #1a2a4a; display: flex; justify-content: space-between; align-items: center; }
.faq-question:hover { background: #e9ecef; }
.faq-question::after { content: '+'; font-size: 1.4em; color: #e8a838; }
.faq-answer { padding: 15px 20px; display: none; }
.faq-item.active .faq-question::after { content: '-'; }
.faq-item.active .faq-answer { display: block; }
.breadcrumbs { padding: 10px 0; font-size: 0.85em; color: #888; }
.breadcrumbs a { color: #2d9f9f; }
.breadcrumbs a:hover { text-decoration: underline; }
.contact-form { max-width: 600px; margin: 30px 0; }
.form-group { margin-bottom: 15px; }
.form-group label { display: block; margin-bottom: 5px; font-weight: 600; color: #333; }
.form-group input, .form-group textarea { width: 100%; padding: 10px; border: 1px solid #ccc; border-radius: 4px; font-family: inherit; font-size: 1em; }
.form-group textarea { resize: vertical; }
.submit-btn { background: #1a2a4a; color: white; padding: 12px 40px; border: none; border-radius: 4px; font-size: 1em; cursor: pointer; }
.submit-btn:hover { background: #2d4a6a; }
footer { background: #1a2a4a; color: rgba(255,255,255,0.8); padding: 40px 0 20px; }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 30px; margin-bottom: 30px; }
footer h4 { color: white; margin-bottom: 15px; }
footer ul { list-style: none; margin: 0; }
footer ul li { margin-bottom: 8px; }
footer ul li a { color: rgba(255,255,255,0.7); }
footer ul li a:hover { color: #e8a838; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 20px; text-align: center; font-size: 0.85em; }
.disclaimer-footer { border-top: 2px solid #eee; margin-top: 40px; padding-top: 20px; font-size: 0.85em; color: #666; }
.sitemap-section { margin-bottom: 30px; }
.sitemap-section h2 { color: #1a2a4a; border-bottom: 2px solid #e8a838; padding-bottom: 8px; margin-bottom: 15px; }
@media (max-width: 768px) {
  header { padding: 10px 0; }
  .menu-toggle { display: block; }
  nav ul { display: none; flex-direction: column; width: 100%; padding: 15px 0 5px; gap: 12px; }
  nav ul.show { display: flex; }
  .hero { padding: 60px 15px; }
  .hero h1 { font-size: 1.5em; }
  .hero p { font-size: 1em; }
  .content h1 { font-size: 1.5em; }
}