.sem-page { background: #f4f7fb; padding: 0 0 56px; }
.sem-hero {
  position: relative;
  background: #0a225f;
  color: #fff;
  overflow: hidden;
}
.sem-hero-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 28px 20px 40px;
}
.sem-kicker {
  display: inline-block;
  background: #feb900;
  color: #0a225f;
  font-weight: 800;
  font-size: 12px;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 6px 12px;
  border-radius: 999px;
  margin-bottom: 14px;
}
.sem-hero h1 {
  font-size: clamp(1.55rem, 3.2vw, 2.35rem);
  font-weight: 800;
  line-height: 1.25;
  margin: 0 0 12px;
  color: #fff;
}
.sem-hero .sem-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,.9);
  margin: 0 0 18px;
  line-height: 1.6;
  max-width: 46rem;
}
.sem-meta { list-style: none; padding: 0; margin: 0; color: #dbe4f5; font-size: 15px; }
.sem-meta li { margin-bottom: 8px; }
.sem-meta strong { color: #feb900; }
.sem-wrap { max-width: 1100px; margin: 0 auto; padding: 0 20px; }
.sem-breadcrumb { font-size: 13px; color: #64748b; padding: 18px 0 8px; }
.sem-breadcrumb a { color: #0a225f; text-decoration: none; font-weight: 600; }
.sem-intro {
  background: #fff;
  border: 1px solid #e6ebf2;
  border-radius: 16px;
  padding: 24px 22px;
  margin: 8px 0 28px;
  color: #334155;
  line-height: 1.75;
  font-size: 1.02rem;
}
.sem-intro h2 { color: #0a225f; font-size: 1.35rem; font-weight: 800; margin: 0 0 12px; }
.sem-intro a, .sem-card a, .sem-support a { color: #0a225f; font-weight: 700; text-decoration: none; }
.sem-intro a:hover, .sem-card a:hover, .sem-support a:hover { color: #c99200; text-decoration: underline; }
.sem-card {
  background: #fff;
  border: 1px solid #e6ebf2;
  border-radius: 16px;
  padding: 22px 22px 8px;
  margin-bottom: 18px;
  box-shadow: 0 8px 24px rgba(15,34,95,.05);
}
.sem-card h2, .sem-card h3 {
  color: #0a225f;
  font-size: 1.2rem;
  font-weight: 800;
  margin: 0 0 12px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.sem-num {
  flex: 0 0 36px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #feb900;
  color: #0a225f;
  font-weight: 800;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 15px;
}
.sem-card p { color: #334155; line-height: 1.75; margin-bottom: 12px; }
.sem-card ul, .sem-card ol { margin: 0 0 16px; padding-left: 1.2rem; color: #334155; line-height: 1.7; }
.sem-card li { margin-bottom: 8px; }
.sem-support {
  background: #fff;
  border: 1px solid #e6ebf2;
  border-radius: 16px;
  padding: 22px;
  margin-bottom: 18px;
}
.sem-support h2 {
  color: #0a225f;
  font-size: 1.35rem;
  font-weight: 800;
  margin: 0 0 12px;
}
.sem-support p { color: #334155; line-height: 1.75; margin-bottom: 12px; }
.sp-grid {
  display: grid;
  gap: 14px;
  margin: 8px 0 28px;
  list-style: none;
  padding: 0;
}
@media (min-width: 700px) { .sp-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1000px) { .sp-grid.sp-grid-3 { grid-template-columns: 1fr 1fr 1fr; } }
.sp-tile {
  display: block;
  background: #fff;
  border: 1px solid #e6ebf2;
  border-radius: 14px;
  padding: 18px 16px;
  text-decoration: none;
  color: inherit;
  box-shadow: 0 8px 24px rgba(15,34,95,.05);
}
.sp-tile:hover { border-color: #feb900; }
.sp-tile strong { display: block; color: #0a225f; font-size: 1.05rem; margin-bottom: 6px; }
.sp-tile span { color: #64748b; font-size: 14px; line-height: 1.5; }
.sp-toc {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 0 0 22px;
}
.sp-toc a {
  background: #fff;
  border: 1px solid #e6ebf2;
  border-radius: 999px;
  padding: 6px 12px;
  font-size: 13px;
  font-weight: 700;
  color: #0a225f;
  text-decoration: none;
}
.sp-toc a:hover { background: #feb900; }
.sp-answer {
  background: #f8fafc;
  border-left: 4px solid #feb900;
  border-radius: 0 12px 12px 0;
  padding: 14px 16px;
  margin-bottom: 16px;
  color: #334155;
}
.sp-answer h4 { color: #0a225f; margin: 0 0 8px; font-size: 15px; }
.sp-answer p { margin: 0 0 8px; font-size: 14px; line-height: 1.65; }
.sp-answer p:last-child { margin-bottom: 0; }