:root{--navy:#0f2140;--navy2:#1a3260;--gold:#b8924a;--cream:#f7f3ea;--ink:#1d1d1f;--muted:#5b6170;--line:#e4dccb}
*{box-sizing:border-box}
body{margin:0;font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--cream);line-height:1.7;font-size:18px}
a{color:var(--navy2)}
.wrap{max-width:860px;margin:0 auto;padding:0 20px}
header.top{background:var(--navy);color:var(--cream)}
header.top .wrap{display:flex;justify-content:space-between;align-items:center;padding:18px 20px;flex-wrap:wrap;gap:8px}
header.top a{color:var(--cream);text-decoration:none;font-family:Helvetica,Arial,sans-serif;font-size:15px;margin-left:18px}
header.top .brand{font-weight:700;letter-spacing:.5px;margin-left:0;font-size:17px}
.hero{background:linear-gradient(180deg,var(--navy) 0%,var(--navy2) 100%);color:var(--cream);padding:72px 0 64px}
.hero h1{font-size:44px;line-height:1.15;margin:0 0 16px}
.hero p{font-size:20px;max-width:640px;color:#e8e1d0}
.kicker{font-family:Helvetica,Arial,sans-serif;font-size:13px;letter-spacing:2px;text-transform:uppercase;color:var(--gold)}
.btn{display:inline-block;background:var(--gold);color:var(--navy);padding:13px 24px;border-radius:6px;text-decoration:none;font-family:Helvetica,Arial,sans-serif;font-weight:700;font-size:15px;margin-top:18px}
section{padding:56px 0;border-bottom:1px solid var(--line)}
h2{font-size:30px;color:var(--navy);margin-top:0}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px}
.card h3{margin:0 0 8px;color:var(--navy);font-size:20px}
.card p{margin:0;color:var(--muted);font-size:16px}
.list a{display:block;padding:14px 0;border-bottom:1px solid var(--line);text-decoration:none;font-size:20px}
.list small{display:block;color:var(--muted);font-family:Helvetica,Arial,sans-serif;font-size:13px}
article{padding:48px 0}
article h1{font-size:38px;line-height:1.2;color:var(--navy)}
article h2{font-size:26px;margin-top:40px}
.meta{font-family:Helvetica,Arial,sans-serif;font-size:14px;color:var(--muted)}
.answer{background:#fff;border-left:4px solid var(--gold);padding:16px 20px;border-radius:4px}
.author{display:flex;gap:16px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:10px;padding:20px;margin-top:40px}
.author .ini{flex:0 0 64px;height:64px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:22px}
footer{background:var(--navy);color:#cfc7b5;padding:36px 0;font-family:Helvetica,Arial,sans-serif;font-size:14px}
footer a{color:var(--gold)}
@media(max-width:600px){.hero h1{font-size:32px}article h1{font-size:30px}body{font-size:17px}header.top a{margin-left:12px}}