*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
  }
  body {
    font-family: 'Georgia', serif;
    background: #f4f6f9;
    color: #2c3e50;
    min-height: 100vh;
  }
  .page-wrapper {
    max-width: 860px;
    margin: 48px auto;
    padding: 0 24px 48px;
  }
  /* ── Hero ── */
  h1 {
    font-size: 2rem;
    font-weight: 700;
    color: #1a3a5c;
    letter-spacing: -0.5px;
    padding-bottom: 16px;
    margin-bottom: 20px;
    border-bottom: 3px solid #c8a84b;
    line-height: 1.25;
  }
  /* ── Body text ── */
  p {
    font-size: 1rem;
    line-height: 1.75;
    color: #4a5568;
    margin-bottom: 16px;
  }
  p:last-of-type {
    margin-bottom: 36px;
  }
  p strong,
  p em {
    color: #1a3a5c;
  }
  /* ── Cards row ── */
  .cards-row {
    display: flex;
    justify-content: center;
    gap: 20px;
    margin-bottom: 48px;
    flex-wrap: wrap;
  }
  .card-item {
    flex: 1 1 140px;
    background: #fff;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 4px 16px rgba(26, 58, 92, 0.10);
    transition: transform 0.22s ease, box-shadow 0.22s ease;
  }
  .card-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 28px rgba(26, 58, 92, 0.18);
  }
  .card-item a {
    display: block;
    padding: 8px;
  }
  .card-item img {
    width: 100%;
    height: auto;
    display: block;
    border-radius: 6px;
  }
  /* ── Blogs section ── */
  h2 {
    font-size: 1.4rem;
    color: #1a3a5c;
    font-weight: 700;
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 10px;
  }
  h2::before {
    content: '';
    display: inline-block;
    width: 5px;
    height: 22px;
    background: #c8a84b;
    border-radius: 3px;
  }
  #body-wrapper  ul {
    list-style: none;
    background: #fff;
    border-radius: 12px;
    box-shadow: 0 2px 10px rgba(26, 58, 92, 0.07);
    overflow: hidden;
  }
  #body-wrapper ul li {
    border-bottom: 1px solid #eef0f4;
  }
  #body-wrapper ul li:last-child {
    border-bottom: none;
  }
  #body-wrapper ul li a {
    display: block;
    padding: 14px 20px;
    color: #1a3a5c;
    text-decoration: none;
    font-size: 0.95rem;
    transition: background 0.18s ease, padding-left 0.18s ease;
    line-height: 1.5;
  }
  #body-wrapper ul li a::before {
    content: '→ ';
    color: #c8a84b;
    font-weight: bold;
  }
  #body-wrapper ul li a:hover {
    background: #f0f4fa;
    padding-left: 28px;
    color: #c8a84b;
  }
  /* ── Fraud tips banner ── */
  .fraud-banner {
    display: flex;
    justify-content: flex-end;
  }
  .fraud-banner a {
    display: inline-block;
    border-radius: 8px;
    overflow: hidden;
    box-shadow: 0 3px 12px rgba(26, 58, 92, 0.12);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
    margin: 10px 30px;
  }
  .fraud-banner a:hover {
    transform: scale(1.04);
    box-shadow: 0 6px 20px rgba(26, 58, 92, 0.2);
  }
  .fraud-banner img {
    display: block;
  }
  .card-item {
    flex: 0 0 auto;
    width: 160px;
    background: #fff;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 4px 16px rgba(26, 58, 92, 0.10);
    transition: transform 0.22s ease, box-shadow 0.22s ease;
  }
  .card-item img {
    width: 100%;
    height: auto;
    display: block;
    border-radius: 6px;
  }
  .site-footer {
    padding: 20px 24px;
  }
  .footer-inner {
    max-width: 860px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
  }
  .footer-logos {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 14px;
  }
  .footer-logos a {
    display: inline-flex;
    align-items: center;
    opacity: 0.85;
    transition: opacity 0.2s ease;
  }
  .footer-logos a:hover {
    opacity: 1;
  }
  .footer-logos img {
    display: block;
    filter: brightness(1.1);
  }
  .footer-logos a[href="/site/privacy.html"] {
    color: #c8a84b;
    text-decoration: none;
    font-size: 0.82rem;
    font-family: Georgia, serif;
    letter-spacing: 0.3px;
    border-bottom: 1px solid transparent;
    transition: border-color 0.2s ease;
  }
  .footer-logos a[href="/site/privacy.html"]:hover {
    border-bottom-color: #c8a84b;
  }
  .footRight {
    display: flex;
    align-items: center;
  }
  .footRight img {
    display: block;
    opacity: 0.9;
    filter: brightness(1.2);
  }
  #footer{
    padding: 0;
  }
  .content-wrap {
    display: flex;
    gap: 32px;
    max-width: 860px;
    margin: 40px auto;
    padding: 0 24px;
    align-items: flex-start;
  }
  /* ── Left sidebar nav ── */
  nav.side-nav {
    flex: 0 0 237px;
    margin-top: 40px;
    position: sticky;
    top: 24px;
  }
  nav.side-nav ul {
    list-style: none;
    background: #fff;
    border-radius: 12px;
    box-shadow: 0 2px 10px rgba(26, 58, 92, 0.08);
    overflow: hidden;
    margin: 0;
    padding: 0;
  }
  nav.side-nav ul li {
    border-bottom: 1px solid #eef0f4;
  }
  nav.side-nav ul li:last-child {
    border-bottom: none;
  }
  nav.side-nav ul li a {
    display: block;
    padding: 11px 16px;
    color: #1a3a5c;
    text-decoration: none;
    font-size: 0.88rem;
    font-family: Georgia, serif;
    transition: background 0.18s ease, color 0.18s ease, padding-left 0.18s ease;
  }
  nav.side-nav ul li a:hover {
    background: #f0f4fa;
    color: #c8a84b;
    padding-left: 22px;
  }
  nav.side-nav ul li:first-child a {
    border-top-left-radius: 12px;
    border-top-right-radius: 12px;
  }
  /* ── Right content column ── */
  .content-body {
    flex: 1;
    min-width: 0;
  }
  .content-body h1 {
    font-size: 1.75rem;
    color: #1a3a5c;
    border-bottom: 3px solid #c8a84b;
    padding-bottom: 14px;
    margin-bottom: 20px;
    line-height: 1.3;
  }
  .content-body h2 {
    font-size: 1.2rem;
    color: #1a3a5c;
    margin: 28px 0 12px;
    display: flex;
    align-items: center;
    gap: 8px;
  }
  .content-body h2::before {
    content: '';
    display: inline-block;
    width: 4px;
    height: 18px;
    background: #c8a84b;
    border-radius: 3px;
    flex-shrink: 0;
  }
  .content-body h3 {
    font-size: 1rem;
    color: #2c5282;
    margin: 20px 0 10px;
    font-weight: 700;
  }
  .content-body p {
    font-size: 0.95rem;
    line-height: 1.78;
    color: #4a5568;
    margin-bottom: 14px;
  }
  .content-body p span,
  .content-body li span {
    font-style: normal;
  }
  .content-body ul {
    list-style: none;
    margin: 0 0 18px 0;
    padding: 0;
    background: none;
    border-radius: 0;
    box-shadow: none;
  }
  .content-body ul li {
    border-bottom: none;
    padding-left: 18px;
    position: relative;
    margin-bottom: 10px;
  }
  .content-body ul li::before {
    content: '▸';
    position: absolute;
    left: 0;
    color: #c8a84b;
    font-size: 0.85rem;
    top: 3px;
  }
  .content-body ul li p {
    margin: 0;
  }
  .content-body a img {
    opacity: 0.8;
    transition: opacity 0.2s ease;
  }
  .content-body a img:hover {
    opacity: 1;
  }
  /* ── Responsive ── */
  @media (max-width: 640px) {
    .content-wrap {
      flex-direction: column;
    }
    nav.side-nav {
      flex: none;
      width: 100%;
      position: static;
    }
  }
  .content-body ul{
    padding: 20px;
  }