:root{color-scheme:light;font-family:Arial,Helvetica,sans-serif;color:#102033;background:#f1f6fb}
*{box-sizing:border-box}body{margin:0;line-height:1.65}a{color:#0757b8}a:hover{text-decoration-thickness:2px}
.site-header{background:#061f49;color:#fff;padding:18px max(20px,calc((100vw - 1120px)/2));display:flex;gap:24px;align-items:center;flex-wrap:wrap}
.site-header a{color:#fff;text-decoration:none}.site-header strong{font-size:1.2rem;letter-spacing:.04em;margin-right:16px}
main{max-width:1120px;margin:0 auto;padding:34px 20px 70px}.breadcrumb{font-size:.9rem;margin-bottom:20px}.breadcrumb span{color:#52647c}
h1{font-size:clamp(2rem,4vw,3rem);line-height:1.16;color:#061f49;max-width:850px;margin:14px 0 18px}h2{font-size:clamp(1.4rem,2.5vw,1.9rem);line-height:1.25;color:#104a95;margin:42px 0 16px}h3{color:#061f49}
.lead{font-size:1.17rem;max-width:850px;color:#30445f}.answer{background:#e3f3ff;border-left:4px solid #0b75ad;border-radius:12px;padding:20px 24px;margin:28px 0;max-width:900px}
.table-wrap{overflow-x:auto;border:1px solid #d3e1ef;border-radius:16px;background:#fff;box-shadow:0 8px 24px rgba(6,31,73,.05)}table{width:100%;border-collapse:collapse;min-width:700px}th,td{text-align:left;vertical-align:top;padding:16px;border-bottom:1px solid #e0e9f2}th{background:#eff6fc;color:#061f49}tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}tbody th{width:20%;background:#fff}
.choices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.choice{background:#fff;border:1px solid #d3e1ef;border-radius:18px;padding:22px 24px;box-shadow:0 5px 16px rgba(6,31,73,.04)}.choice h3{margin-top:0}.choice ul{padding-left:22px}
.related{background:#fff;border:1px solid #d3e1ef;border-radius:18px;padding:22px 26px}.related ul{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 24px;margin:0;padding-left:20px}
.note{color:#52647c;font-size:.94rem}.cta{display:inline-block;background:#104a95;color:#fff;padding:12px 20px;border-radius:10px;text-decoration:none;font-weight:700}.cta:hover{color:#fff;background:#083b83}
footer{background:#061f49;color:#fff;padding:26px;text-align:center}footer a{color:#fff}@media(max-width:720px){.choices{grid-template-columns:1fr}.related ul{grid-template-columns:1fr}}