:root{
  --navy:#1a2b4a; --navy2:#22365c; --gold:#c9a86a; --ink:#1f2733;
  --gray:#6b7686; --bg:#f6f7f9; --line:#e3e7ee; --white:#fff;
}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:-apple-system,"PingFang SC","Microsoft YaHei",sans-serif;color:var(--ink);line-height:1.7;background:var(--bg)}
a{color:inherit;text-decoration:none}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.topbar{background:var(--navy);color:#cfd8e6;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;height:40px}
.topbar a{color:var(--gold);font-weight:600}
header.nav{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-size:20px;font-weight:700;color:var(--navy)}
.logo span{color:var(--gold)}
nav ul{display:flex;gap:24px;list-style:none}
nav a{font-size:15px;color:var(--ink);padding:6px 0}
nav a:hover{color:var(--navy)}
.btn{background:var(--gold);color:#1a2b4a;padding:10px 20px;border-radius:4px;font-weight:700;font-size:14px}
.btn:hover{opacity:.9}
.article-wrap{max-width:820px;margin:0 auto;padding:36px 20px 60px}
.article-head h1{font-size:29px;color:var(--navy);line-height:1.45;margin-bottom:14px}
.article-meta{color:var(--gray);font-size:13px;margin-bottom:26px;border-bottom:1px solid var(--line);padding-bottom:16px}
.article-body h2{font-size:21px;color:var(--navy);margin:32px 0 12px}
.article-body h3{font-size:17px;color:var(--navy2);margin:22px 0 8px}
.article-body p{margin-bottom:14px;color:var(--ink);font-size:16px;line-height:1.9}
.article-body ul,.article-body ol{margin:0 0 14px 22px;color:var(--ink);font-size:16px;line-height:1.9}
.article-body li{margin-bottom:6px}
.disclaimer{background:#fff8ec;border:1px solid #f0d9a8;border-radius:8px;padding:16px 20px;font-size:13px;color:#8a6d2f;margin:30px 0}
.article-cta{background:var(--navy);color:#fff;border-radius:8px;padding:26px;text-align:center;margin-top:30px}
.article-cta h3{color:#fff;font-size:18px;margin-bottom:10px}
.article-cta p{color:#aebcd0;font-size:14px;margin-bottom:14px}
.article-cta a{color:var(--gold);font-weight:700}
.related{background:var(--white);border:1px solid var(--line);border-radius:8px;padding:22px 24px;margin-top:34px}
.related h3{font-size:17px;color:var(--navy);margin-bottom:12px}
.related ul{list-style:none;margin:0}
.related li{padding:9px 0;border-bottom:1px dashed var(--line);font-size:15px;line-height:1.6}
.related li:last-child{border-bottom:none}
.related a{color:var(--navy2)}
.related a:hover{color:var(--gold)}
footer{background:#0f1a2e;color:#8294ad;font-size:13px;text-align:center;padding:24px 0}
@media(max-width:760px){
  nav ul{display:none}
  .article-head h1{font-size:23px}
}