:root{--color-primary:#1a1a1a;--color-secondary:#4a5568;--color-accent:#2563eb;--color-text:#2d3748;--color-text-light:#718096;--color-bg:#ffffff;--color-bg-light:#f7fafc;--color-border:#e2e8f0;--spacing-xs:0.5rem;--spacing-sm:1rem;--spacing-md:2rem;--spacing-lg:4rem;--spacing-xl:6rem;--max-width:1200px;--border-radius:0.5rem;--transition:all 0.3s ease}
*{margin:0;padding:0;box-sizing:border-box}
html{font-size:16px;scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;line-height:1.6;color:var(--color-text);background:var(--color-bg);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
h1,h2,h3,h4,h5,h6{font-weight:600;line-height:1.2;color:var(--color-primary);margin-bottom:var(--spacing-sm)}
h1{font-size:2.5rem}
h2{font-size:2rem}
h3{font-size:1.5rem}
h4{font-size:1.25rem}
p{margin-bottom:var(--spacing-sm)}
a{color:var(--color-accent);text-decoration:none;transition:var(--transition)}
a:hover{color:#1e40af;text-decoration:underline}
img{max-width:100%;height:auto;display:block}
.container{max-width:var(--max-width);margin:0 auto;padding:0 var(--spacing-md)}
.section{padding:var(--spacing-xl) 0}
.hero{background:linear-gradient(135deg,#667eea 0%,#764ba2 100%);color:#fff;padding:var(--spacing-xl) 0;text-align:center}
.hero h1{color:#fff;font-size:3rem;margin-bottom:var(--spacing-md)}
.hero p{font-size:1.25rem;margin-bottom:var(--spacing-md);opacity:0.95}
.btn{display:inline-block;padding:0.75rem 2rem;background:var(--color-accent);color:#fff;border-radius:var(--border-radius);font-weight:500;transition:var(--transition);border:none;cursor:pointer;font-size:1rem}
.btn:hover{background:#1e40af;text-decoration:none;color:#fff;transform:translateY(-2px);box-shadow:0 4px 12px rgba(37,99,235,0.3)}
.btn-secondary{background:transparent;border:2px solid #fff;color:#fff}
.btn-secondary:hover{background:#fff;color:var(--color-accent)}
.grid{display:grid;gap:var(--spacing-md)}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--border-radius);padding:var(--spacing-md);transition:var(--transition)}
.card:hover{box-shadow:0 4px 12px rgba(0,0,0,0.1);transform:translateY(-4px)}
.card h3{color:var(--color-primary);margin-bottom:var(--spacing-xs)}
.card p{color:var(--color-text-light)}
.header{background:var(--color-bg);border-bottom:1px solid var(--color-border);padding:var(--spacing-sm) 0;position:sticky;top:0;z-index:100;backdrop-filter:blur(10px);background:rgba(255,255,255,0.95)}
.nav{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap}
.nav-links{display:flex;list-style:none;gap:var(--spacing-md);flex-wrap:wrap}
.nav-links a{color:var(--color-text);font-weight:500}
.nav-links a:hover{color:var(--color-accent);text-decoration:none}
.logo{font-size:1.25rem;font-weight:700;color:var(--color-primary);text-decoration:none}
.logo:hover{text-decoration:none}
.footer{background:var(--color-bg-light);padding:var(--spacing-lg) 0;margin-top:var(--spacing-xl);border-top:1px solid var(--color-border)}
.footer-content{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:var(--spacing-md)}
.footer-section h4{margin-bottom:var(--spacing-sm)}
.footer-section ul{list-style:none}
.footer-section ul li{margin-bottom:var(--spacing-xs)}
.footer-section a{color:var(--color-text-light)}
.footer-bottom{text-align:center;padding-top:var(--spacing-md);margin-top:var(--spacing-md);border-top:1px solid var(--color-border);color:var(--color-text-light);font-size:0.875rem}
.risk-list{list-style:none;margin:var(--spacing-md) 0}
.risk-list li{padding:var(--spacing-sm);margin-bottom:var(--spacing-xs);background:var(--color-bg-light);border-left:4px solid var(--color-accent);border-radius:4px}
.form-group{margin-bottom:var(--spacing-md)}
.form-group label{display:block;margin-bottom:var(--spacing-xs);font-weight:500;color:var(--color-primary)}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:0.75rem;border:1px solid var(--color-border);border-radius:var(--border-radius);font-size:1rem;font-family:inherit;transition:var(--transition)}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--color-accent);box-shadow:0 0 0 3px rgba(37,99,235,0.1)}
.form-group textarea{min-height:120px;resize:vertical}
.alert{padding:var(--spacing-sm);border-radius:var(--border-radius);margin-bottom:var(--spacing-md)}
.alert-success{background:#d4edda;color:#155724;border:1px solid #c3e6cb}
.alert-error{background:#f8d7da;color:#721c24;border:1px solid #f5c6cb}
.article-meta{color:var(--color-text-light);font-size:0.875rem;margin-bottom:var(--spacing-md)}
.article-content{max-width:800px;margin:0 auto}
.article-content h2{margin-top:var(--spacing-lg);margin-bottom:var(--spacing-sm)}
.article-content h3{margin-top:var(--spacing-md);margin-bottom:var(--spacing-xs)}
.article-content ul,.article-content ol{margin:var(--spacing-sm) 0 var(--spacing-sm) var(--spacing-md)}
.article-content li{margin-bottom:var(--spacing-xs)}
.insights-list{list-style:none}
.insights-list li{margin-bottom:var(--spacing-md);padding-bottom:var(--spacing-md);border-bottom:1px solid var(--color-border)}
.insights-list li:last-child{border-bottom:none}
.insights-list a{font-size:1.25rem;font-weight:600;color:var(--color-primary)}
.insights-list a:hover{color:var(--color-accent)}
.insights-list p{color:var(--color-text-light);margin-top:var(--spacing-xs)}
@media (max-width:768px){h1{font-size:2rem}.hero h1{font-size:2rem}.hero p{font-size:1rem}.section{padding:var(--spacing-lg) 0}.nav-links{gap:var(--spacing-sm)}.grid-2,.grid-3{grid-template-columns:1fr}.container{padding:0 var(--spacing-sm)}}