:root{
  --color-primary:#0b3d91;
  --color-accent:#e0a800;
  --color-dark:#1a1a2e;
  --color-light:#f7f8fa;
  --color-text:#222;
  --radius:8px;
}
*{box-sizing:border-box;margin:0;padding:0;}
body{font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--color-text);background:var(--color-light);line-height:1.6;}
.topbar{background:var(--color-dark);color:#fff;text-align:center;font-size:.85rem;padding:.5rem 1rem;}
header{background:#fff;box-shadow:0 1px 4px rgba(0,0,0,.08);position:sticky;top:0;z-index:100;}
.nav{display:flex;align-items:center;justify-content:space-between;max-width:1100px;margin:0 auto;padding:1rem;}
.logo{font-weight:700;font-size:1.3rem;color:var(--color-primary);text-decoration:none;}
.nav-links{display:flex;gap:1.5rem;list-style:none;}
.nav-links a{color:var(--color-text);text-decoration:none;font-weight:500;}
.nav-links a:hover{color:var(--color-primary);}
.menu-toggle{display:none;background:none;border:none;font-size:1.5rem;cursor:pointer;}
main{max-width:1100px;margin:0 auto;padding:2rem 1rem;}
.hero{text-align:center;padding:3rem 1rem;background:linear-gradient(135deg,var(--color-primary),#0f5fc0);color:#fff;border-radius:var(--radius);margin-bottom:2rem;}
.hero h1{font-size:2.2rem;margin-bottom:1rem;}
.hero p{font-size:1.1rem;margin-bottom:1.5rem;}
.btn,.btn-outline{display:inline-block;padding:.75rem 1.5rem;border-radius:var(--radius);text-decoration:none;font-weight:600;margin:.3rem;}
.btn{background:var(--color-accent);color:var(--color-dark);}
.btn:hover{opacity:.9;}
.btn-outline{border:2px solid var(--color-primary);color:var(--color-primary);}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:1.5rem;margin-top:1.5rem;}
.card{background:#fff;padding:1.5rem;border-radius:var(--radius);box-shadow:0 2px 6px rgba(0,0,0,.06);}
.card h3{color:var(--color-primary);margin-bottom:.5rem;}
.card a{color:var(--color-accent);font-weight:600;text-decoration:none;}
.faq{margin-top:3rem;}
.faq-item{border-bottom:1px solid #ddd;padding:1rem 0;}
.faq-item h3{color:var(--color-primary);margin-bottom:.4rem;}
article h1{font-size:2rem;color:var(--color-primary);margin-bottom:.5rem;}
article h2{font-size:1.5rem;color:var(--color-primary);margin:1.5rem 0 .5rem;}
article h3{font-size:1.15rem;margin:1rem 0 .4rem;}
article p,article li{margin-bottom:.7rem;}
article table{width:100%;border-collapse:collapse;margin:1rem 0;}
article th,article td{border:1px solid #ddd;padding:.6rem;text-align:left;}
article th{background:var(--color-primary);color:#fff;}
.author-bio{background:#fff;border-left:4px solid var(--color-accent);padding:1rem;margin-top:2rem;border-radius:var(--radius);}
.article-list .card{margin-bottom:1rem;}
.tool-widget{background:#fff;padding:1.5rem;border-radius:var(--radius);margin-top:2rem;text-align:center;}
.quiz-btn{display:block;width:100%;max-width:500px;margin:.5rem auto;padding:.8rem;background:var(--color-primary);color:#fff;border:none;border-radius:var(--radius);cursor:pointer;font-size:1rem;}
.quiz-btn:hover{background:#0f5fc0;}
.error-page{text-align:center;padding:4rem 1rem;}
.error-page h1{font-size:2.5rem;color:var(--color-primary);}
.contact-list{list-style:none;margin:1rem 0;}
.contact-list li{margin-bottom:.5rem;}
.disclaimer{font-size:.85rem;color:#666;margin-top:1rem;}
footer{background:var(--color-dark);color:#fff;text-align:center;padding:1.5rem;font-size:.9rem;}
footer a{color:var(--color-accent);}
@media(max-width:768px){
  .menu-toggle{display:block;}
  .nav-links{display:none;flex-direction:column;position:absolute;top:100%;right:0;background:#fff;padding:1rem;box-shadow:0 2px 6px rgba(0,0,0,.1);}
  .nav-links.open{display:flex;}
  .hero h1{font-size:1.6rem;}
}