:root {
      --brand:#0b5cab;
      --brand-dark:#083d74;
      --ink:#0f172a;
      --muted:#475569;
      --line:#dbe3ef;
      --bg:#f4f8fc;
      --card:#ffffff;
      --soft:#f8fbff;
      --accent:#eaf3ff;
      --ok:#0f766e;
      --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:1.78;
    }
    .wrap {
      max-width:1120px;
      margin:0 auto;
      padding:32px 20px 80px;
    }
    .hero {
      background:linear-gradient(135deg, #0b5cab 0%, #124c8f 100%);
      color:#fff;
      border-radius:20px;
      padding:32px;
      box-shadow:0 18px 40px rgba(11,92,171,.18);
    }
    .eyebrow {
      display:inline-block;
      font-size:13px;
      font-weight:700;
      letter-spacing:.08em;
      text-transform:uppercase;
      background:rgba(255,255,255,.14);
      border:1px solid rgba(255,255,255,.18);
      padding:7px 10px;
      border-radius:999px;
      margin-bottom:14px;
    }
    h1,h2,h3 {
      color:var(--brand-dark);
      line-height:1.25;
    }
    h1 {
      margin:0 0 14px;
      font-size:clamp(30px, 4vw, 46px);
    }
    h2 {
      font-size:30px;
      margin:56px 0 16px;
      scroll-margin-top:90px;
    }
    h3 {
      font-size:22px;
      margin:28px 0 12px;
      scroll-margin-top:90px;
    }
    p {
      margin:0 0 16px;
      font-size:17px;
    }
    a {
      color:var(--brand);
      text-decoration:none;
    }
    a:hover {
      text-decoration:underline;
    }
    .hero p {
      color:#e8f2ff;
      font-size:18px;
      max-width:900px;
    }
    .hero-cta {
      margin-top:20px;
      display:flex;
      flex-wrap:wrap;
      gap:12px;
    }
    .btn {
      display:inline-block;
      padding:12px 18px;
      border-radius:10px;
      font-weight:700;
      border:1px solid transparent;
    }
    .btn-primary {
      background:#fff;
      color:var(--brand-dark);
    }
    .btn-secondary {
      background:transparent;
      color:#fff;
      border-color:rgba(255,255,255,.28);
    }
    .toc {
      background:var(--card);
      border:1px solid var(--line);
      border-radius:18px;
      padding:24px;
      margin:28px 0 24px;
      box-shadow:0 10px 28px rgba(15,23,42,.05);
    }
    .toc h2 {
      margin:0 0 12px;
      font-size:24px;
    }
    .toc ol {
      margin:0;
      padding-left:20px;
      columns:2;
      gap:26px;
    }
    .toc li {
      margin:0 0 10px;
      break-inside:avoid;
    }
    .lead-card, .note, .checklist, .faq, .sources, .cta-box {
      background:var(--card);
      border:1px solid var(--line);
      border-radius:18px;
      padding:24px;
      box-shadow:0 10px 28px rgba(15,23,42,.05);
    }
    .note {
      background:#fffaf0;
      border-color:#f5d9a8;
    }
    .checklist ul, .sources ul {
      margin:0;
      padding-left:22px;
    }
    .checklist li, .sources li, .faq li {
      margin:0 0 12px;
    }
    .figure {
      margin:30px 0;
      background:var(--card);
      border:1px solid var(--line);
      border-radius:18px;
      overflow:hidden;
      box-shadow:0 10px 28px rgba(15,23,42,.05);
    }
    .figure img {
      display:block;
      width:100%;
      height:auto;
      background:#fff;
    }
    .figure figcaption {
      padding:14px 18px 18px;
      color:var(--muted);
      font-size:14px;
      background:var(--soft);
      border-top:1px solid var(--line);
    }
    .two-col {
      display:grid;
      grid-template-columns:1.05fr .95fr;
      gap:24px;
      align-items:start;
    }
    .mini-grid {
      display:grid;
      grid-template-columns:repeat(2, minmax(0, 1fr));
      gap:18px;
      margin:18px 0 6px;
    }
    .mini-card {
      background:var(--soft);
      border:1px solid var(--line);
      border-radius:14px;
      padding:18px;
    }
    .mini-card h3 {
      margin-top:0;
      font-size:18px;
    }
    table {
      width:100%;
      border-collapse:collapse;
      margin:16px 0 8px;
      background:#fff;
      font-size:15px;
    }
    th, td {
      border:1px solid var(--line);
      padding:12px 12px;
      vertical-align:top;
      text-align:left;
    }
    th {
      background:var(--accent);
      color:var(--brand-dark);
    }
    .kicker {
      color:var(--muted);
      font-size:15px;
      font-weight:700;
      text-transform:uppercase;
      letter-spacing:.06em;
      margin-bottom:8px;
    }
    .faq details {
      border:1px solid var(--line);
      border-radius:14px;
      padding:16px 18px;
      background:var(--soft);
      margin-bottom:14px;
    }
    .faq summary {
      cursor:pointer;
      font-weight:700;
      color:var(--brand-dark);
    }
    .faq p {
      margin:12px 0 0;
      font-size:16px;
    }
    .cta-box {
      background:linear-gradient(180deg, #ffffff 0%, #f6fbff 100%);
      border-color:#cfe2f6;
      margin-top:34px;
    }
    .meta-strip {
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:18px;
    }
    .tag {
      display:inline-flex;
      align-items:center;
      padding:8px 12px;
      border-radius:999px;
      background:rgba(11,92,171,.08);
      color:var(--brand-dark);
      font-weight:700;
      font-size:14px;
    }
    .sources a[rel] {
      word-break:break-word;
    }
    @media (max-width: 900px) {
      .two-col, .mini-grid {
        grid-template-columns:1fr;
      }
      .toc ol {
        columns:1;
      }
      .hero {
        padding:24px;
      }
      .wrap {
        padding:20px 14px 64px;
      }
    }