:root{
      --primary:#0B3D91;
      --primary-dark:#072d6e;
      --primary-soft:#eaf1fc;
      --cyan:#0891B2;
      --cyan-soft:#ecfeff;
      --ink:#172033;
      --muted:#667085;
      --line:#e4e9f1;
      --surface:#ffffff;
      --surface-soft:#f6f8fc;
      --danger:#b42318;
      --radius:16px;
      --shadow:0 16px 44px rgba(18,32,58,.1);
      --container:1200px;
    }

    *{box-sizing:border-box}
    html{scroll-behavior:smooth}
    body{
      margin:0;
      color:var(--ink);
      background:var(--surface);
      font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;
      line-height:1.65;
      -webkit-font-smoothing:antialiased;
    }
    body.drawer-locked{overflow:hidden}
    img{display:block;max-width:100%}
    a{color:inherit;text-decoration:none}
    button,input,textarea,select{font:inherit}
    button{cursor:pointer}
    .container{
      width:min(var(--container),calc(100% - 40px));
      margin-inline:auto;
    }

    .topbar{
      color:#dce8ff;
      background:#071a3b;
      font-size:13px;
    }
    .topbar-inner{
      min-height:38px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:24px;
    }
    .topbar-welcome{margin:0}
    .topbar-contact{
      display:flex;
      align-items:center;
      gap:20px;
    }
    .topbar-contact a:hover{color:#fff}

    .header{
      position:relative;
      z-index:50;
      background:rgba(255,255,255,.98);
      border-bottom:1px solid var(--line);
      box-shadow:0 5px 18px rgba(21,35,61,.04);
    }
    .header-inner{
      min-height:78px;
      display:flex;
      align-items:center;
      gap:24px;
    }
    .logo{
      flex:none;
      display:inline-flex;
      align-items:center;
      gap:10px;
      color:var(--primary);
      font-weight:800;
      letter-spacing:-.02em;
    }
    .logo img{
      width:42px;
      height:42px;
      object-fit:contain;
      border-radius:10px;
    }
    .main-nav{
      align-self:stretch;
      margin-left:auto;
    }
    .nav-list{
      height:100%;
      margin:0;
      padding:0;
      display:flex;
      align-items:stretch;
      list-style:none;
    }
    .nav-item{
      position:static;
      display:flex;
      align-items:center;
    }
    .nav-link{
      height:100%;
      padding:0 12px;
      display:flex;
      align-items:center;
      gap:6px;
      color:#26334a;
      font-size:14px;
      font-weight:650;
      white-space:nowrap;
      transition:color .2s ease;
    }
    .nav-link:hover,
    .nav-item:focus-within>.nav-link,
    .nav-item:hover>.nav-link{color:var(--primary)}
    .has-arrow::after{
      content:"";
      width:6px;
      height:6px;
      margin-top:-4px;
      border-right:1.5px solid currentColor;
      border-bottom:1.5px solid currentColor;
      transform:rotate(45deg);
      transition:transform .2s ease;
    }
    .nav-item:hover .has-arrow::after,
    .nav-item:focus-within .has-arrow::after{
      transform:translateY(3px) rotate(225deg);
    }

    .dropdown-panel,
    .mega-menu{
      position:absolute;
      top:100%;
      z-index:60;
      visibility:hidden;
      opacity:0;
      pointer-events:none;
      transform:translateY(8px);
      transition:opacity .18s ease,transform .18s ease,visibility .18s ease;
    }
    .nav-item:hover .dropdown-panel,
    .nav-item:focus-within .dropdown-panel,
    .nav-item:hover .mega-menu,
    .nav-item:focus-within .mega-menu{
      visibility:visible;
      opacity:1;
      pointer-events:auto;
      transform:translateY(0);
    }
    .dropdown-panel{
      width:320px;
      margin-left:-40px;
      padding:12px;
      background:#fff;
      border:1px solid var(--line);
      border-radius:0 0 14px 14px;
      box-shadow:var(--shadow);
    }
    .dropdown-panel>a{
      display:block;
      padding:10px 12px;
      border-radius:9px;
      color:#344054;
      font-size:14px;
    }
    .dropdown-panel>a:hover{
      color:var(--primary);
      background:var(--primary-soft);
    }
    .dropdown-panel .dropdown-all{
      margin-top:8px;
      color:var(--primary);
      font-weight:750;
      border-top:1px solid var(--line);
      border-radius:0;
    }
    .mega-menu{
      left:0;
      right:0;
      padding-top:0;
    }
    .mega-inner{
      width:min(var(--container),calc(100% - 40px));
      max-height:calc(100vh - 118px);
      margin-inline:auto;
      padding:22px;
      overflow:auto;
      background:#fff;
      border:1px solid var(--line);
      border-top:3px solid var(--primary);
      border-radius:0 0 18px 18px;
      box-shadow:var(--shadow);
    }
    .mega-heading{
      margin-bottom:16px;
      display:flex;
      align-items:flex-end;
      justify-content:space-between;
      gap:20px;
    }
    .mega-heading strong{
      color:#15213a;
      font-size:18px;
    }
    .mega-heading span{
      color:var(--muted);
      font-size:13px;
    }
    .mega-categories{
      margin-bottom:16px;
      display:flex;
      flex-wrap:wrap;
      gap:8px;
    }
    .mega-categories a{
      padding:7px 11px;
      color:var(--primary);
      background:var(--primary-soft);
      border-radius:999px;
      font-size:13px;
      font-weight:700;
    }
    .mega-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:12px;
    }
    .mega-card{
      min-width:0;
      padding:12px;
      display:flex;
      align-items:center;
      gap:12px;
      border:1px solid var(--line);
      border-radius:12px;
      transition:border-color .2s ease,transform .2s ease,box-shadow .2s ease;
    }
    .mega-card:hover{
      border-color:#a8bee2;
      box-shadow:0 10px 24px rgba(11,61,145,.09);
      transform:translateY(-2px);
    }
    .mega-card>img{
      width:58px;
      height:58px;
      flex:none;
      object-fit:cover;
      border-radius:10px;
      background:var(--surface-soft);
    }
    .mega-card-body{
      min-width:0;
      display:block;
    }
    .mega-card-title,
    .mega-card-text{
      display:block;
      overflow:hidden;
      text-overflow:ellipsis;
    }
    .mega-card-title{
      color:#172033;
      font-weight:750;
      white-space:nowrap;
    }
    .mega-card-text{
      margin-top:3px;
      color:var(--muted);
      font-size:12px;
      white-space:nowrap;
    }
    .mega-card-meta{
      margin-top:5px;
      display:flex;
      flex-wrap:wrap;
      gap:8px;
      color:var(--primary);
      font-size:11px;
      font-weight:700;
    }
    .mega-footer{
      margin-top:16px;
      padding-top:14px;
      display:block;
      color:var(--primary);
      border-top:1px solid var(--line);
      font-size:14px;
      font-weight:800;
      text-align:right;
    }

    .header-btns{
      flex:none;
      display:flex;
      align-items:center;
      gap:10px;
    }
    .open-account{
      padding:10px 15px;
      color:#fff;
      background:var(--primary);
      border-radius:10px;
      font-size:14px;
      font-weight:750;
      box-shadow:0 8px 18px rgba(11,61,145,.18);
    }
    .open-account:hover{background:var(--primary-dark)}
    .hamburger{
      width:42px;
      height:42px;
      padding:9px;
      display:none;
      flex-direction:column;
      align-items:center;
      justify-content:center;
      gap:5px;
      background:#fff;
      border:1px solid var(--line);
      border-radius:10px;
    }
    .hamburger span{
      width:20px;
      height:2px;
      display:block;
      background:var(--ink);
      border-radius:2px;
      transition:transform .2s ease,opacity .2s ease;
    }
    .hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
    .hamburger.active span:nth-child(2){opacity:0}
    .hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

    .drawer-overlay{
      position:fixed;
      inset:0;
      z-index:90;
      visibility:hidden;
      opacity:0;
      background:rgba(7,18,39,.58);
      transition:opacity .25s ease,visibility .25s ease;
    }
    .drawer-overlay.open{
      visibility:visible;
      opacity:1;
    }
    .mobile-drawer{
      position:fixed;
      top:0;
      right:0;
      bottom:0;
      z-index:100;
      width:min(390px,92vw);
      overflow-y:auto;
      background:#fff;
      box-shadow:-20px 0 55px rgba(0,0,0,.18);
      transform:translateX(105%);
      transition:transform .28s ease;
    }
    .mobile-drawer.open{transform:translateX(0)}
    .drawer-head{
      min-height:72px;
      padding:14px 18px;
      display:flex;
      align-items:center;
      gap:12px;
      color:#fff;
      background:var(--primary);
    }
    .drawer-head>a{
      font-size:14px;
      font-weight:750;
    }
    .drawer-close{
      width:38px;
      height:38px;
      margin-left:auto;
      color:#fff;
      background:rgba(255,255,255,.12);
      border:1px solid rgba(255,255,255,.25);
      border-radius:10px;
      font-size:26px;
      line-height:1;
    }
    .drawer-menu{padding:14px}
    .drawer-link,
    .drawer-toggle{
      width:100%;
      padding:13px 12px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      color:#202b40;
      background:transparent;
      border:0;
      border-bottom:1px solid var(--line);
      text-align:left;
      font-weight:720;
    }
    .drawer-toggle::after{
      content:"+";
      color:var(--primary);
      font-size:20px;
    }
    .drawer-toggle.active::after{content:"−"}
    .drawer-submenu{
      max-height:0;
      overflow:hidden;
      background:var(--surface-soft);
      transition:max-height .3s ease;
    }
    .drawer-submenu.open{max-height:680px}
    .drawer-submenu a{
      padding:10px 18px;
      display:block;
      color:#526078;
      border-bottom:1px solid #e8ecf3;
      font-size:14px;
    }
    .drawer-submenu a:hover{color:var(--primary)}

    .article-page{
      min-width:0;
      padding-bottom:72px;
      background:linear-gradient(180deg,#f3f7fd 0,#fff 360px);
    }
    .article-page .article-hero{
      padding:42px 0 30px;
      border-bottom:1px solid var(--line);
    }
    .article-page .breadcrumbs{
      margin-bottom:20px;
      display:flex;
      flex-wrap:wrap;
      align-items:center;
      gap:8px;
      color:var(--muted);
      font-size:14px;
    }
    .article-page .breadcrumbs a:hover{color:var(--primary)}
    .article-page .breadcrumbs span+span::before,
    .article-page .breadcrumbs a+span::before{
      content:"/";
      margin-right:8px;
      color:#a2aabd;
    }
    .article-page .article-category{
      display:inline-flex;
      align-items:center;
      gap:8px;
      margin-bottom:14px;
      padding:6px 11px;
      color:#075e75;
      background:#cffafe;
      border:1px solid #a5f3fc;
      border-radius:999px;
      font-size:13px;
      font-weight:800;
    }
    .article-page .article-category::before{
      content:"";
      width:7px;
      height:7px;
      background:var(--cyan);
      border-radius:50%;
      box-shadow:0 0 0 4px rgba(8,145,178,.12);
    }
    .article-page .article-title{
      max-width:950px;
      margin:0;
      color:#101828;
      font-size:clamp(34px,5vw,58px);
      line-height:1.12;
      letter-spacing:-.045em;
      overflow-wrap:anywhere;
    }
    .article-page .article-meta{
      margin-top:22px;
      display:flex;
      flex-wrap:wrap;
      gap:10px;
    }
    .article-page .meta-item{
      padding:7px 11px;
      display:inline-flex;
      align-items:center;
      gap:7px;
      color:#536078;
      background:#fff;
      border:1px solid var(--line);
      border-radius:9px;
      font-size:13px;
    }
    .article-page .meta-icon{
      width:8px;
      height:8px;
      background:var(--cyan);
      border-radius:50%;
    }
    .article-page .article-layout{
      min-width:0;
      padding-top:34px;
      display:grid;
      grid-template-columns:minmax(0,1fr) 320px;
      gap:34px;
      align-items:start;
    }
    .article-page .article-main,
    .article-page .article-content{
      min-width:0;
      max-width:100%;
    }
    .article-page .article-main{
      padding:clamp(22px,4vw,44px);
      background:#fff;
      border:1px solid var(--line);
      border-radius:20px;
      box-shadow:0 16px 42px rgba(28,43,70,.07);
    }
    .article-page .article-summary{
      margin:0 0 30px;
      padding:20px 22px;
      color:#344054;
      background:var(--cyan-soft);
      border-left:4px solid var(--cyan);
      border-radius:0 14px 14px 0;
      font-size:17px;
      font-weight:600;
    }
    .article-page .article-content{
      color:#303b50;
      overflow-x:auto;
      font-size:17px;
      line-height:1.82;
      overflow-wrap:anywhere;
    }
    .article-page .article-content h2,
    .article-page .article-content h3,
    .article-page .article-content h4{
      color:#15213a;
      line-height:1.3;
      scroll-margin-top:24px;
    }
    .article-page .article-content h2{
      margin:38px 0 16px;
      padding-bottom:10px;
      border-bottom:1px solid var(--line);
      font-size:28px;
    }
    .article-page .article-content h3{
      margin:30px 0 12px;
      font-size:22px;
    }
    .article-page .article-content p{margin:0 0 20px}
    .article-page .article-content a{
      color:var(--primary);
      text-decoration:underline;
      text-underline-offset:3px;
    }
    .article-page .article-content img{
      height:auto;
      margin:26px auto;
      border-radius:14px;
    }
    .article-page .article-content iframe,
    .article-page .article-content video{
      max-width:100%;
    }
    .article-page .article-content table{
      width:100%;
      max-width:100%;
      margin:24px 0;
      border-collapse:collapse;
    }
    .article-page .article-content th,
    .article-page .article-content td{
      padding:11px 12px;
      border:1px solid var(--line);
      text-align:left;
    }
    .article-page .article-content th{
      color:#fff;
      background:var(--primary);
    }
    .article-page .article-content blockquote{
      margin:26px 0;
      padding:18px 22px;
      color:#344054;
      background:var(--surface-soft);
      border-left:4px solid var(--primary);
      border-radius:0 12px 12px 0;
    }
    .article-page .article-tags{
      margin-top:34px;
      padding-top:22px;
      display:flex;
      flex-wrap:wrap;
      align-items:center;
      gap:9px;
      border-top:1px solid var(--line);
    }
    .article-page .article-tags strong{margin-right:4px}
    .article-page .article-tags a{
      padding:7px 11px;
      color:var(--primary);
      background:var(--primary-soft);
      border-radius:999px;
      font-size:13px;
      font-weight:700;
    }
    .article-page .article-navigation{
      margin-top:28px;
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:14px;
    }
    .article-page .article-navigation a{
      min-width:0;
      padding:17px;
      display:block;
      border:1px solid var(--line);
      border-radius:13px;
      transition:border-color .2s ease,transform .2s ease;
    }
    .article-page .article-navigation a:hover{
      border-color:#a8bee2;
      transform:translateY(-2px);
    }
    .article-page .article-navigation small{
      display:block;
      color:var(--muted);
    }
    .article-page .article-navigation strong{
      margin-top:4px;
      display:block;
      color:#1d2939;
      overflow-wrap:anywhere;
    }
    .article-page .article-navigation .next{text-align:right}

    .article-page .article-sidebar{
      position:sticky;
      top:24px;
      display:grid;
      gap:18px;
    }
    .article-page .side-card{
      padding:21px;
      background:#fff;
      border:1px solid var(--line);
      border-radius:16px;
      box-shadow:0 12px 30px rgba(28,43,70,.06);
    }
    .article-page .side-card h2{
      margin:0 0 12px;
      color:#172033;
      font-size:19px;
    }
    .article-page .side-card p{
      margin:0;
      color:var(--muted);
      font-size:14px;
    }
    .article-page .side-actions{
      margin-top:16px;
      display:grid;
      gap:9px;
    }
    .article-page .side-actions a{
      padding:10px 13px;
      color:var(--primary);
      background:var(--primary-soft);
      border-radius:9px;
      font-size:14px;
      font-weight:750;
      text-align:center;
    }
    .article-page .risk-card{
      color:#f4f7ff;
      background:linear-gradient(145deg,#071a3b,var(--primary));
      border:0;
    }
    .article-page .risk-card h2{color:#fff}
    .article-page .risk-card p{color:#d9e5fb}

    .article-page .related-section{
      margin-top:42px;
    }
    .article-page .section-heading{
      margin-bottom:18px;
      display:flex;
      align-items:end;
      justify-content:space-between;
      gap:20px;
    }
    .article-page .section-heading h2{
      margin:0;
      color:#172033;
      font-size:28px;
    }
    .article-page .section-heading p{
      margin:0;
      color:var(--muted);
    }
    .article-page .related-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
    }
    .article-page .related-card{
      min-width:0;
      overflow:hidden;
      background:#fff;
      border:1px solid var(--line);
      border-radius:15px;
      transition:transform .2s ease,box-shadow .2s ease;
    }
    .article-page .related-card:hover{
      transform:translateY(-4px);
      box-shadow:0 16px 36px rgba(20,40,76,.1);
    }
    .article-page .related-card img{
      width:100%;
      aspect-ratio:16/9;
      object-fit:cover;
      background:var(--surface-soft);
    }
    .article-page .related-body{padding:16px}
    .article-page .related-body h3{
      margin:0;
      color:#1b263b;
      font-size:17px;
      line-height:1.42;
      overflow-wrap:anywhere;
    }
    .article-page .related-body p{
      margin:9px 0 13px;
      display:-webkit-box;
      overflow:hidden;
      color:var(--muted);
      font-size:14px;
      -webkit-box-orient:vertical;
      -webkit-line-clamp:3;
    }
    .article-page .related-meta{
      display:flex;
      justify-content:space-between;
      gap:10px;
      color:#7b8496;
      font-size:12px;
    }

    .footer{
      color:#d9e3f5;
      background:#07152f;
    }
    .footer-main{
      padding:58px 0 42px;
      display:grid;
      grid-template-columns:1.45fr 1fr 1fr 1fr;
      gap:38px;
    }
    .footer .logo{color:#fff}
    .footer-brand p{
      max-width:420px;
      margin:18px 0 0;
      color:#aab7cf;
      font-size:14px;
    }
    .footer h3{
      margin:0 0 17px;
      color:#fff;
      font-size:16px;
    }
    .footer-links,
    .footer-contact{
      display:grid;
      gap:10px;
    }
    .footer-links a,
    .footer-contact a{
      color:#aab7cf;
      font-size:14px;
    }
    .footer-links a:hover,
    .footer-contact a:hover{color:#fff}
    .footer-social{margin-top:18px}
    .footer-bottom{
      min-height:66px;
      padding:16px 0;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
      color:#8998b4;
      border-top:1px solid rgba(255,255,255,.11);
      font-size:13px;
    }

    @media (max-width:1100px){
      .main-nav{display:none}
      .hamburger{display:flex}
      .header-btns{margin-left:auto}
      .article-page .article-layout{
        grid-template-columns:minmax(0,1fr) 280px;
        gap:24px;
      }
      .footer-main{grid-template-columns:repeat(2,minmax(0,1fr))}
    }

    @media (max-width:820px){
      .topbar-inner{
        padding:7px 0;
        align-items:flex-start;
      }
      .topbar-contact{
        align-items:flex-end;
        flex-direction:column;
        gap:2px;
      }
      .header-inner{min-height:68px}
      .header-btns>.open-account{display:none}
      .article-page .article-layout{grid-template-columns:1fr}
      .article-page .article-sidebar{
        position:static;
        grid-template-columns:repeat(2,minmax(0,1fr));
      }
      .article-page .related-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
    }

    @media (max-width:600px){
      .container{width:min(100% - 28px,var(--container))}
      .topbar-welcome{display:none}
      .topbar-inner{justify-content:flex-end}
      .logo span{
        max-width:160px;
        overflow:hidden;
        text-overflow:ellipsis;
        white-space:nowrap;
      }
      .article-page .article-hero{padding:30px 0 24px}
      .article-page .article-title{font-size:34px}
      .article-page .article-main{padding:20px;border-radius:15px}
      .article-page .article-summary{padding:16px;font-size:15px}
      .article-page .article-content{font-size:16px}
      .article-page .article-navigation{grid-template-columns:1fr}
      .article-page .article-navigation .next{text-align:left}
      .article-page .article-sidebar{grid-template-columns:1fr}
      .article-page .section-heading{
        align-items:flex-start;
        flex-direction:column;
      }
      .article-page .related-grid{grid-template-columns:1fr}
      .footer-main{
        padding:44px 0 34px;
        grid-template-columns:1fr;
        gap:28px;
      }
      .footer-bottom{
        align-items:flex-start;
        flex-direction:column;
        justify-content:center;
      }
    }