:root {
      --ink: #122033;
      --muted: #667085;
      --blue: #0b74d1;
      --deep: #053b68;
      --sky: #eaf6ff;
      --line: #d9e8f5;
      --paper: #ffffff;
      --bg: #f6f9fc;
      --soft: #f0f7ff;
      --warning: #fff7ed;
      --warning-line: #fb923c;
      --green: #ecfdf5;
      --green-line: #10b981;
    }

    * {
      box-sizing: border-box;
    }

    html {
      scroll-behavior: smooth;
    }

    body {
      margin: 0;
      font-family: Arial, Helvetica, sans-serif;
      color: var(--ink);
      background: var(--bg);
      line-height: 1.72;
    }

    a {
      color: var(--blue);
      font-weight: 700;
      text-decoration: none;
    }

    a:hover {
      text-decoration: underline;
    }

    img {
      display: block;
      width: 100%;
      height: auto;
    }

    .wrap {
      max-width: 1240px;
      margin: 0 auto;
      padding: 0 22px;
    }

    .topbar {
      background: #ffffff;
      border-bottom: 1px solid var(--line);
      padding: 14px 0;
      font-size: 14px;
      color: var(--muted);
    }

    .topbar-inner {
      display: flex;
      justify-content: space-between;
      gap: 18px;
      align-items: center;
      flex-wrap: wrap;
    }

    .brand-mark {
      font-weight: 800;
      color: var(--deep);
      letter-spacing: 0.3px;
    }

    .guide-header {
      padding: 68px 0 44px;
      background: linear-gradient(180deg, #ffffff 0%, #f6f9fc 100%);
      border-bottom: 1px solid var(--line);
    }

    .guide-grid {
      display: grid;
      grid-template-columns: 1.08fr 0.92fr;
      gap: 46px;
      align-items: center;
    }

    .kicker {
      color: var(--blue);
      font-size: 13px;
      text-transform: uppercase;
      letter-spacing: 1.6px;
      font-weight: 800;
      margin-bottom: 16px;
    }

    h1 {
      font-size: clamp(36px, 5vw, 64px);
      line-height: 1.04;
      margin: 0 0 22px;
      letter-spacing: -2px;
      color: var(--deep);
    }

    .subtitle {
      font-size: 19px;
      color: var(--muted);
      max-width: 720px;
      margin: 0 0 28px;
    }

    .meta-row {
      display: flex;
      flex-wrap: wrap;
      gap: 12px;
      margin-top: 28px;
    }

    .meta-pill {
      background: #ffffff;
      border: 1px solid var(--line);
      border-radius: 999px;
      padding: 9px 14px;
      font-size: 14px;
      color: var(--deep);
      font-weight: 700;
    }

    .cover-frame {
      background: #ffffff;
      border: 1px solid var(--line);
      padding: 12px;
      border-radius: 28px;
      box-shadow: 0 20px 60px rgba(5, 59, 104, 0.09);
    }

    .image-ratio-4-3 {
      aspect-ratio: 4 / 3;
      overflow: hidden;
      border-radius: 20px;
      background: var(--sky);
    }

    .image-ratio-3-2 {
      aspect-ratio: 3 / 2;
      overflow: hidden;
      border-radius: 20px;
      background: var(--sky);
    }

    .image-ratio-4-3 img,
    .image-ratio-3-2 img {
      width: 100%;
      height: 100%;
      object-fit: cover;
    }

    .article-shell {
      display: grid;
      grid-template-columns: 280px minmax(0, 1fr);
      gap: 42px;
      padding: 54px 0 76px;
    }

    .toc {
      position: sticky;
      top: 22px;
      align-self: start;
      background: #ffffff;
      border: 1px solid var(--line);
      border-radius: 22px;
      padding: 22px;
      box-shadow: 0 12px 38px rgba(18, 32, 51, 0.06);
    }

    .toc-title {
      font-size: 13px;
      color: var(--muted);
      text-transform: uppercase;
      letter-spacing: 1.4px;
      font-weight: 800;
      margin-bottom: 14px;
    }

    .toc a {
      display: block;
      padding: 10px 0;
      border-top: 1px solid #edf3f8;
      color: var(--ink);
      font-size: 15px;
      font-weight: 700;
    }

    .toc a:hover {
      color: var(--blue);
      text-decoration: none;
    }

    .article {
      background: #ffffff;
      border: 1px solid var(--line);
      border-radius: 28px;
      padding: clamp(26px, 5vw, 54px);
      box-shadow: 0 18px 56px rgba(18, 32, 51, 0.06);
    }

    .section {
      padding: 36px 0;
      border-bottom: 1px solid #edf3f8;
    }

    .section:first-child {
      padding-top: 0;
    }

    .section:last-child {
      border-bottom: none;
      padding-bottom: 0;
    }

    .section-label {
      display: inline-block;
      font-size: 12px;
      font-weight: 900;
      letter-spacing: 1.5px;
      text-transform: uppercase;
      color: var(--blue);
      margin-bottom: 12px;
    }

    h2 {
      font-size: clamp(26px, 4vw, 42px);
      line-height: 1.18;
      margin: 0 0 18px;
      color: var(--deep);
      letter-spacing: -0.9px;
    }

    h3 {
      font-size: 22px;
      line-height: 1.3;
      margin: 26px 0 10px;
      color: var(--deep);
    }

    p {
      margin: 0 0 18px;
    }

    .answer-panel {
      background: var(--soft);
      border: 1px solid var(--line);
      border-left: 6px solid var(--blue);
      border-radius: 20px;
      padding: 28px;
      margin: 26px 0 4px;
    }

    .answer-panel strong {
      color: var(--deep);
    }

    .pullquote {
      font-size: 24px;
      line-height: 1.45;
      color: var(--deep);
      margin: 28px 0;
      padding: 28px;
      border-left: 5px solid var(--blue);
      background: #f8fbff;
      border-radius: 0 18px 18px 0;
      font-weight: 800;
    }

    .split {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 28px;
      align-items: start;
      margin-top: 28px;
    }

    .checklist {
      list-style: none;
      margin: 18px 0 0;
      padding: 0;
    }

    .checklist li {
      position: relative;
      padding-left: 30px;
      margin-bottom: 13px;
    }

    .checklist li::before {
      content: "✓";
      position: absolute;
      left: 0;
      top: 0;
      color: var(--blue);
      font-weight: 900;
    }

    .number-list {
      counter-reset: item;
      list-style: none;
      padding: 0;
      margin: 22px 0 0;
    }

    .number-list li {
      counter-increment: item;
      padding: 22px 0 22px 58px;
      border-top: 1px solid #edf3f8;
      position: relative;
    }

    .number-list li::before {
      content: counter(item);
      position: absolute;
      left: 0;
      top: 22px;
      width: 38px;
      height: 38px;
      border-radius: 50%;
      background: var(--deep);
      color: #ffffff;
      display: flex;
      align-items: center;
      justify-content: center;
      font-weight: 900;
    }

    .number-list strong {
      display: block;
      color: var(--deep);
      margin-bottom: 6px;
      font-size: 18px;
    }

    .score-table {
      width: 100%;
      border-collapse: collapse;
      margin-top: 26px;
      border: 1px solid var(--line);
      border-radius: 18px;
      overflow: hidden;
      display: table;
    }

    .score-table th {
      background: var(--deep);
      color: #ffffff;
      padding: 16px;
      text-align: left;
      font-size: 14px;
    }

    .score-table td {
      padding: 16px;
      border-bottom: 1px solid var(--line);
      vertical-align: top;
      font-size: 15px;
    }

    .score-table tr:last-child td {
      border-bottom: none;
    }

    .score-table tr:nth-child(even) td {
      background: #f8fbff;
    }

    .risk-box {
      background: var(--warning);
      border: 1px solid #fed7aa;
      border-left: 6px solid var(--warning-line);
      border-radius: 18px;
      padding: 24px;
      margin-top: 24px;
    }

    .green-box {
      background: var(--green);
      border: 1px solid #bbf7d0;
      border-left: 6px solid var(--green-line);
      border-radius: 18px;
      padding: 24px;
      margin-top: 24px;
    }

    .product-strip {
      display: grid;
      grid-template-columns: 0.95fr 1.05fr;
      gap: 30px;
      align-items: center;
      background: #f8fbff;
      border: 1px solid var(--line);
      border-radius: 24px;
      padding: 24px;
      margin-top: 26px;
    }

    .spec-mini {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 12px;
      margin-top: 18px;
    }

    .spec-mini div {
      background: #ffffff;
      border: 1px solid var(--line);
      border-radius: 14px;
      padding: 14px;
      font-size: 14px;
    }

    .spec-mini strong {
      display: block;
      color: var(--deep);
      margin-bottom: 4px;
    }

    .cta-panel {
      background: var(--deep);
      color: #ffffff;
      border-radius: 24px;
      padding: 36px;
      margin-top: 28px;
    }

    .cta-panel h2,
    .cta-panel p {
      color: #ffffff;
    }

    .cta-buttons {
      display: flex;
      flex-wrap: wrap;
      gap: 14px;
      margin-top: 24px;
    }

    .btn {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      padding: 13px 20px;
      border-radius: 999px;
      font-weight: 900;
      text-decoration: none;
    }

    .btn-light {
      background: #ffffff;
      color: var(--deep);
    }

    .btn-outline {
      border: 1px solid rgba(255,255,255,0.45);
      color: #ffffff;
    }

    .faq-item {
      padding: 22px 0;
      border-top: 1px solid #edf3f8;
    }

    .faq-item h3 {
      margin-top: 0;
      font-size: 19px;
    }

    .footer {
      background: #061f36;
      color: #cfe8ff;
      padding: 36px 0;
      text-align: center;
      font-size: 14px;
    }

    .footer a {
      color: #ffffff;
    }

    @media (max-width: 960px) {
      .guide-grid,
      .article-shell,
      .split,
      .product-strip {
        grid-template-columns: 1fr;
      }

      .toc {
        position: static;
      }

      .guide-header {
        padding: 46px 0 34px;
      }

      .score-table {
        display: block;
        overflow-x: auto;
        white-space: nowrap;
      }

      .spec-mini {
        grid-template-columns: 1fr;
      }
    }