:root {
      --brand:#0b5cab;
      --brand-dark:#083d74;
      --ink:#0f172a;
      --muted:#475569;
      --line:#dbe3ef;
      --bg:#f4f8fc;
      --card:#ffffff;
      --soft:#f8fbff;
      --accent:#eaf3ff;
      --ok:#0b8a5b;
      --warn:#b45309;
    }
    * { 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:1.75;
    }
    .wrap {
      max-width:1140px;
      margin:0 auto;
      padding:24px;
    }
    .hero {
      background:linear-gradient(135deg,#083d74,#0b5cab 58%,#3b82f6);
      color:#fff;
      border-radius:24px;
      padding:42px 34px;
      box-shadow:0 18px 46px rgba(8,61,116,.18);
    }
    .hero h1 {
      margin:0 0 14px;
      font-size:40px;
      line-height:1.2;
    }
    .hero p { margin:0; font-size:18px; max-width:900px; }
    .meta {
      display:flex;
      gap:12px;
      flex-wrap:wrap;
      margin-top:18px;
    }
    .meta span {
      display:inline-flex;
      align-items:center;
      padding:8px 12px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      border:1px solid rgba(255,255,255,.2);
      font-size:14px;
    }
    .card {
      background:var(--card);
      border:1px solid var(--line);
      border-radius:20px;
      padding:28px;
      margin-top:22px;
      box-shadow:0 10px 30px rgba(15,23,42,.04);
    }
    .toc { background:var(--soft); }
    .toc h2, .card h2, .card h3 { scroll-margin-top:88px; }
    h2, h3 { color:var(--brand-dark); }
    .toc ul { margin:0; padding-left:18px; }
    .toc li { margin:8px 0; }
    a { color:var(--brand); text-decoration:none; }
    a:hover { text-decoration:underline; }
    .btns { display:flex; gap:12px; flex-wrap:wrap; margin-top:18px; }
    .btn {
      display:inline-block;
      padding:12px 18px;
      border-radius:10px;
      background:var(--brand);
      color:#fff;
      font-weight:700;
    }
    .btn.alt { background:#eaf3ff; color:var(--brand-dark); }
    .grid-2 { display:grid; grid-template-columns:1.05fr .95fr; gap:20px; }
    .quick-table { width:100%; border-collapse:collapse; font-size:15px; }
    .quick-table th, .quick-table td { border:1px solid var(--line); padding:12px 10px; text-align:left; vertical-align:top; }
    .quick-table th { background:var(--accent); color:var(--brand-dark); }
    .note {
      background:#fff7ed;
      border-left:4px solid var(--warn);
      padding:14px 16px;
      border-radius:10px;
      margin:18px 0;
    }
    .tip {
      background:#ecfdf5;
      border-left:4px solid var(--ok);
      padding:14px 16px;
      border-radius:10px;
      margin:18px 0;
    }
    .img-block { margin:26px 0; }
    .img-block img { width:100%; height:auto; border:1px solid var(--line); border-radius:18px; background:#fff; }
    .img-block figcaption { color:var(--muted); font-size:14px; margin-top:8px; }
    .cols { display:grid; grid-template-columns:1fr 1fr; gap:18px; }
    .mini-card { border:1px solid var(--line); border-radius:16px; padding:18px; background:var(--soft); }
    .cta {
      background:linear-gradient(135deg,#0f172a,#0b5cab);
      color:#fff;
      border-radius:20px;
      padding:28px;
      margin-top:20px;
    }
    .cta h2, .cta h3 { color:#fff; }
    .cta a { color:#fff; text-decoration:underline; }
    .faq-item + .faq-item { margin-top:18px; }
    .links-list li { margin:8px 0; }
    .footer-note { color:var(--muted); font-size:13px; margin-top:18px; }
    @media (max-width:900px) {
      .grid-2, .cols { grid-template-columns:1fr; }
      .hero h1 { font-size:32px; }
    }