:root {
      --brand:#0b5cab;
      --brand-dark:#083d74;
      --ink:#0f172a;
      --muted:#475569;
      --line:#dbe3ef;
      --bg:#f4f8fc;
      --card:#ffffff;
      --soft:#f8fbff;
      --accent:#eaf3ff;
      --ok:#0b8a5b;
      --warn:#b45309;
      --shadow:0 12px 30px rgba(15,23,42,.08);
      --radius:18px;
    }
    * { 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;
    }
    a { color:var(--brand); text-decoration:none; }
    a:hover { text-decoration:underline; }
    .wrap {
      max-width:1120px;
      margin:0 auto;
      padding:32px 20px 72px;
    }
    .hero {
      background:linear-gradient(135deg, #0b5cab 0%, #083d74 100%);
      color:#fff;
      border-radius:24px;
      padding:40px 32px;
      box-shadow:var(--shadow);
    }
    .eyebrow {
      display:inline-block;
      margin-bottom:14px;
      padding:8px 12px;
      border-radius:999px;
      background:rgba(255,255,255,.14);
      font-size:13px;
      letter-spacing:.04em;
      text-transform:uppercase;
    }
    h1,h2,h3 {
      line-height:1.25;
      margin:0 0 14px;
    }
    h1 { font-size:40px; }
    h2 {
      font-size:30px;
      margin-top:42px;
      scroll-margin-top:92px;
    }
    h3 {
      font-size:22px;
      margin-top:26px;
      scroll-margin-top:92px;
    }
    p { margin:0 0 18px; }
    .hero p {
      max-width:920px;
      color:rgba(255,255,255,.92);
      font-size:18px;
    }
    .hero-actions {
      display:flex;
      flex-wrap:wrap;
      gap:14px;
      margin-top:22px;
    }
    .btn {
      display:inline-block;
      padding:13px 18px;
      border-radius:12px;
      font-weight:700;
      transition:.2s ease;
    }
    .btn-primary {
      background:#fff;
      color:var(--brand-dark);
    }
    .btn-secondary {
      background:rgba(255,255,255,.12);
      color:#fff;
      border:1px solid rgba(255,255,255,.25);
    }
    .meta {
      display:grid;
      grid-template-columns:repeat(4, minmax(0,1fr));
      gap:14px;
      margin:24px 0 0;
    }
    .meta-card {
      background:rgba(255,255,255,.11);
      border:1px solid rgba(255,255,255,.14);
      border-radius:16px;
      padding:14px 16px;
    }
    .meta-card strong {
      display:block;
      font-size:12px;
      letter-spacing:.05em;
      text-transform:uppercase;
      color:rgba(255,255,255,.75);
      margin-bottom:6px;
    }
    .toc {
      background:var(--card);
      border:1px solid var(--line);
      border-radius:var(--radius);
      padding:24px;
      margin:28px 0 30px;
      box-shadow:var(--shadow);
    }
    .toc h2 {
      margin:0 0 12px;
      font-size:24px;
    }
    .toc ol {
      margin:0;
      padding-left:22px;
    }
    .toc li {
      margin:8px 0;
    }
    .section-card {
      background:var(--card);
      border:1px solid var(--line);
      border-radius:var(--radius);
      box-shadow:var(--shadow);
      padding:30px;
      margin-top:24px;
    }
    .callout {
      background:var(--accent);
      border-left:4px solid var(--brand);
      padding:16px 18px;
      border-radius:14px;
      margin:18px 0 22px;
    }
    .note {
      background:#fff7ed;
      border-left:4px solid var(--warn);
      padding:16px 18px;
      border-radius:14px;
      margin:18px 0 22px;
    }
    .ok {
      background:#ecfdf5;
      border-left:4px solid var(--ok);
      padding:16px 18px;
      border-radius:14px;
      margin:18px 0 22px;
    }
    .grid-2 {
      display:grid;
      grid-template-columns:repeat(2, minmax(0,1fr));
      gap:18px;
      margin:14px 0 18px;
    }
    .mini-card {
      background:var(--soft);
      border:1px solid var(--line);
      border-radius:16px;
      padding:18px;
    }
    .mini-card h3 {
      margin-top:0;
      font-size:20px;
    }
    ul, ol {
      padding-left:22px;
      margin:0 0 18px;
    }
    li { margin:8px 0; }
    figure {
      margin:26px 0;
      background:var(--soft);
      border:1px solid var(--line);
      border-radius:18px;
      padding:14px;
    }
    figure img {
      display:block;
      width:100%;
      height:auto;
      border-radius:12px;
      border:1px solid #d8e4f0;
      background:#fff;
    }
    figcaption {
      font-size:14px;
      color:var(--muted);
      padding:10px 6px 2px;
    }
    .table-wrap {
      overflow-x:auto;
      margin:18px 0 22px;
    }
    table {
      width:100%;
      border-collapse:collapse;
      min-width:760px;
      background:#fff;
      border:1px solid var(--line);
      border-radius:14px;
      overflow:hidden;
    }
    th, td {
      padding:14px 12px;
      border-bottom:1px solid var(--line);
      text-align:left;
      vertical-align:top;
    }
    th {
      background:var(--accent);
      color:var(--brand-dark);
      font-size:14px;
    }
    .cta-panel {
      background:linear-gradient(135deg, #eaf3ff 0%, #f8fbff 100%);
      border:1px solid #cfe0f5;
      border-radius:22px;
      padding:28px;
      margin-top:30px;
    }
    .faq-item {
      border-top:1px solid var(--line);
      padding:18px 0;
    }
    .faq-item:first-child {
      border-top:none;
      padding-top:0;
    }
    .faq-item h3 {
      margin:0 0 10px;
      font-size:20px;
    }
    .footer-note {
      color:var(--muted);
      font-size:14px;
      margin-top:26px;
    }
    @media (max-width:900px) {
      .meta, .grid-2 {
        grid-template-columns:1fr;
      }
      h1 { font-size:33px; }
      h2 { font-size:28px; }
      .hero { padding:30px 22px; }
      .section-card { padding:24px 20px; }
    }