*{margin:0;padding:0;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif}
        .container{max-width:1280px;margin:0 auto;padding:0 16px}
        .bg-gradient{background:linear-gradient(135deg,#0F2B5C,#165DFF)}
        .card{border-radius:16px;box-shadow:0 4px 20px rgba(22,93,255,0.08);transition:all .3s}
        .card:hover{transform:translateY(-4px);box-shadow:0 8px 25px rgba(22,93,255,0.12)}
        .gold{color:#D4AF37}
        .blue{color:#165DFF}
        .dark{color:#0F2B5C}
        .gray{color:#666}
        .text-white{color:#fff}
        .bg-white{background:#fff}
        .bg-light{background:#f7f9fc}
        .bg-dark{background:#0F2B5C}
        .bg-footer{background:#0A1E3F}
        .flex{display:flex}
        .flex-col{flex-direction:column}
        .justify-between{justify-content:space-between}
        .justify-center{justify-content:center}
        .items-center{align-items:center}
        .text-center{text-align:center}
        .py-5{padding:12px 0}
        .py-10{padding:40px 0}
        .py-16{padding:60px 0}
        .py-20{padding:80px 0}
        .p-6{padding:24px}
        .p-8{padding:32px}
        .mb-2{margin-bottom:8px}
        .mb-4{margin-bottom:16px}
        .mb-6{margin-bottom:24px}
        .mb-8{margin-bottom:32px}
        .mb-10{margin-bottom:40px}
        .mb-12{margin-bottom:48px}
        .mb-16{margin-bottom:64px}
        .mt-4{margin-top:16px}
        .gap-4{gap:16px}
        .gap-6{gap:24px}
        .gap-8{gap:32px}
        .w-full{width:100%}
        .sticky{position:sticky;top:0;z-index:99}
        .shadow{box-shadow:0 2px 10px rgba(0,0,0,0.05)}
        .rounded{border-radius:8px}
        .rounded-full{border-radius:999px}
        .btn{display:inline-block;padding:10px 20px;background:#165DFF;color:#fff;font-weight:600;border-radius:24px;text-decoration:none}
        .btn:hover{opacity:.95}
        .grid{display:grid;grid-template-columns:repeat(1,1fr);gap:24px}
        @media(min-width:768px){.grid{grid-template-columns:repeat(2,1fr)}}
        @media(min-width:1024px){.grid{grid-template-columns:repeat(3,1fr)}}
        .line{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid #f0f0f0}
        .line:last-child{border-bottom:none}
        .article{background:#f7f9fc;padding:20px;border-radius:12px;text-decoration:none}
        .article h3{font-size:16px;font-weight:600;color:#0F2B5C;margin-bottom:8px}
        .article p{font-size:13px;color:#888}
        .article:hover{box-shadow:0 2px 10px rgba(0,0,0,0.05)}
        .banner{height:400px;display:flex;align-items:center;position:relative;color:#fff}
        .banner h1{font-size:32px;margin-bottom:16px;line-height:1.2}
        .banner p{font-size:16px;opacity:.9}
        @media(min-width:768px){.banner h1{font-size:48px}}