:root{
      --bg:#f4f9ff;
      --panel:#ffffff;
      --soft:#edf6ff;
      --soft-2:#e3f0ff;
      --line:#d8e7f7;
      --text:#12304f;
      --muted:#5c7692;
      --brand:#1f6feb;
      --brand-2:#5bb0ff;
      --accent:#0ea5e9;
      --dark:#0c2340;
      --ok:#0f766e;
      --warn:#b45309;
      --shadow:0 18px 50px rgba(18,48,79,.10);
      --radius-xl:28px;
      --radius-lg:22px;
      --radius-md:16px;
      --max:1180px;
    }

    *{box-sizing:border-box;}
    html{scroll-behavior:smooth;}
    body{
      margin:0;
      font-family:Arial, Helvetica, sans-serif;
      color:var(--text);
      background:radial-gradient(circle at top left, #f8fcff 0%, #eef6ff 32%, #f4f9ff 100%);
      line-height:1.75;
    }

    img{
      max-width:100%;
      display:block;
      border:0;
    }

    a{color:var(--brand);text-decoration:none;}
    a:hover{text-decoration:underline;}

    .container{
      width:min(var(--max), calc(100% - 32px));
      margin:0 auto;
    }

    .section{padding:72px 0;}

    .eyebrow{
      display:inline-block;
      padding:8px 14px;
      border-radius:999px;
      background:linear-gradient(90deg, #e7f3ff, #f4fbff);
      border:1px solid var(--line);
      color:var(--brand);
      font-size:13px;
      font-weight:700;
      letter-spacing:.4px;
      text-transform:uppercase;
    }

    h1,h2,h3,h4{
      color:var(--dark);
      line-height:1.2;
      margin:0 0 18px;
    }

    h1{font-size:clamp(34px, 4.8vw, 60px);}
    h2{font-size:clamp(28px, 3.2vw, 42px);}
    h3{font-size:clamp(22px, 2.3vw, 30px);}
    h4{font-size:20px;}

    p{margin:0 0 16px;}
    ul,ol{padding-left:22px;margin:0 0 16px;}
    li{margin-bottom:8px;}

    .muted{color:var(--muted);}
    .small{font-size:14px;}
    .lead{font-size:18px;color:#27486d;}

    .grid{display:grid;gap:24px;}
    .grid-2{grid-template-columns:repeat(2, minmax(0,1fr));}
    .grid-3{grid-template-columns:repeat(3, minmax(0,1fr));}

    .card{
      background:var(--panel);
      border:1px solid var(--line);
      border-radius:var(--radius-lg);
      box-shadow:var(--shadow);
      padding:28px;
    }

    .soft-card{
      background:linear-gradient(180deg, #ffffff 0%, #f7fbff 100%);
      border:1px solid var(--line);
      border-radius:var(--radius-lg);
      padding:28px;
      box-shadow:var(--shadow);
    }

    .hero{
      padding:34px 0 34px;
    }

    .hero-wrap{
      display:grid;
      grid-template-columns:1.15fr .85fr;
      gap:28px;
      align-items:start;
    }

    .hero-copy{
      background:linear-gradient(135deg, #ffffff 0%, #eef6ff 100%);
      border:1px solid var(--line);
      border-radius:var(--radius-xl);
      box-shadow:var(--shadow);
      padding:38px;
      height:100%;
    }

    .hero-visual{
      background:linear-gradient(135deg, #dff0ff 0%, #f7fbff 60%, #ffffff 100%);
      border:1px solid var(--line);
      border-radius:var(--radius-xl);
      box-shadow:var(--shadow);
      padding:22px;
      display:flex;
      flex-direction:column;
      gap:18px;
      min-height:100%;
    }

    .hero-image{
      border-radius:22px;
      overflow:hidden;
      border:1px solid #cfe3f7;
      background:#fff;
      padding:10px;
    }

    .hero-image img{
      width:100%;
      height:auto;
      object-fit:contain;
      border-radius:16px;
    }

    .meta-row{
      display:flex;
      flex-wrap:wrap;
      gap:12px;
      margin:18px 0 0;
    }

    .meta-pill{
      padding:10px 14px;
      border-radius:999px;
      border:1px solid var(--line);
      background:#fff;
      font-size:14px;
      color:#315475;
    }

    .btn-row{
      display:flex;
      flex-wrap:wrap;
      gap:14px;
      margin-top:22px;
    }

    .btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      gap:8px;
      padding:13px 18px;
      border-radius:999px;
      font-weight:700;
      border:1px solid transparent;
      transition:.2s ease;
    }

    .btn-primary{
      background:linear-gradient(90deg, var(--brand), var(--brand-2));
      color:#fff;
      box-shadow:0 12px 30px rgba(31,111,235,.22);
    }

    .btn-secondary{
      background:#fff;
      color:var(--brand);
      border-color:var(--line);
    }

    .btn:hover{
      text-decoration:none;
      transform:translateY(-1px);
    }

    .toc{
      display:grid;
      grid-template-columns:repeat(2, minmax(0,1fr));
      gap:12px;
      margin-top:22px;
    }

    .toc a{
      display:block;
      background:#fff;
      border:1px solid var(--line);
      border-radius:14px;
      padding:14px 16px;
      color:var(--text);
      font-weight:700;
    }

    .hero-stats{
      display:grid;
      grid-template-columns:repeat(3, minmax(0,1fr));
      gap:16px;
    }

    .kpi{
      background:#fff;
      border:1px solid var(--line);
      border-radius:18px;
      padding:22px;
      min-height:120px;
    }

    .kpi strong{
      display:block;
      font-size:28px;
      color:var(--dark);
      margin-bottom:6px;
    }

    .callout{
      border-left:4px solid var(--brand);
      background:linear-gradient(90deg,#eef6ff 0%, #f9fcff 100%);
      border:1px solid var(--line);
      border-left-width:4px;
      border-radius:18px;
      padding:20px 22px;
      margin:22px 0;
    }

    .warning{
      border-left-color:#f59e0b;
      background:linear-gradient(90deg,#fff7e8 0%, #fffdf8 100%);
    }

    .success{
      border-left-color:#0ea5a4;
      background:linear-gradient(90deg,#e9fbfa 0%, #fbfffe 100%);
    }

    .table-wrap{
      overflow:auto;
      border:1px solid var(--line);
      border-radius:18px;
      background:#fff;
      box-shadow:var(--shadow);
    }

    table{
      width:100%;
      border-collapse:collapse;
      min-width:860px;
    }

    th,td{
      padding:15px 16px;
      border-bottom:1px solid #e3eef9;
      vertical-align:top;
      text-align:left;
      font-size:15px;
    }

    th{
      background:#edf6ff;
      color:var(--dark);
      font-size:14px;
      text-transform:uppercase;
      letter-spacing:.4px;
    }

    tr:nth-child(even) td{background:#fbfdff;}

    .faq-item{
      border:1px solid var(--line);
      border-radius:18px;
      background:#fff;
      padding:22px 24px;
      box-shadow:var(--shadow);
    }

    .faq-item + .faq-item{margin-top:16px;}

    .tag-list{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
    }

    .tag{
      display:inline-block;
      padding:8px 12px;
      border-radius:999px;
      background:#fff;
      border:1px solid var(--line);
      color:#315475;
      font-size:13px;
      font-weight:700;
    }

    .breadcrumbs{
      font-size:14px;
      color:var(--muted);
      margin:18px 0 0;
    }

    .breadcrumbs a{color:var(--muted);}

    .note{
      font-size:13px;
      color:var(--muted);
    }

    .cta{
      background:linear-gradient(135deg, #0f2747 0%, #18497c 45%, #2b7de0 100%);
      color:#fff;
      border-radius:var(--radius-xl);
      padding:34px;
      box-shadow:0 20px 55px rgba(15,39,71,.22);
      overflow:hidden;
      position:relative;
    }

    .cta h2,.cta h3,.cta p{color:#fff;}

    .cta .btn-secondary{
      background:#fff;
      border-color:#fff;
      color:#12304f;
    }

    .footer{
      padding:34px 0 60px;
      color:var(--muted);
      font-size:14px;
    }

    @media (max-width: 980px){
      .hero-wrap,
      .grid-2,
      .grid-3{
        grid-template-columns:1fr;
      }

      .toc{
        grid-template-columns:1fr;
      }

      .hero-stats{
        grid-template-columns:1fr;
      }

      .hero-copy,
      .hero-visual,
      .card,
      .soft-card,
      .cta{
        padding:24px;
      }
    }