:root {
      --ink: #1f3347;
      --muted: #5b7083;
      --line: #d9e6ef;
      --brand: #0f4c81;
      --brand-2: #7fb8de;
      --bg: #f6f9fc;
      --card: #ffffff;
      --accent: #ff6b35;
      --ok: #2a9d8f;
      --shadow: 0 18px 40px rgba(15,76,129,.08);
      --radius: 18px;
    }
    * { box-sizing: border-box; }
    html { scroll-behavior: smooth; }
    body {
      margin: 0;
      background: var(--bg);
      color: var(--ink);
      font: 16px/1.75 Arial, Helvetica, sans-serif;
    }
    a { color: var(--brand); text-decoration: none; }
    a:hover { text-decoration: underline; }
    .wrap {
      max-width: 1120px;
      margin: 0 auto;
      padding: 32px 20px 64px;
    }
    .hero {
      background: linear-gradient(135deg, #0f4c81 0%, #1a6aa6 56%, #7fb8de 100%);
      color: #fff;
      border-radius: 28px;
      padding: 40px 32px;
      box-shadow: var(--shadow);
      margin-bottom: 28px;
    }
    .eyebrow {
      display: inline-block;
      padding: 8px 12px;
      border-radius: 999px;
      background: rgba(255,255,255,.14);
      font-size: 13px;
      letter-spacing: .08em;
      text-transform: uppercase;
      font-weight: 700;
    }
    h1, h2, h3 { line-height: 1.25; color: var(--ink); }
    h1 { font-size: 2.45rem; margin: 16px 0 14px; color: #fff; }
    h2 { font-size: 1.8rem; margin: 0 0 14px; padding-top: 12px; }
    h3 { font-size: 1.2rem; margin: 26px 0 12px; }
    p { margin: 0 0 16px; }
    .hero p { color: rgba(255,255,255,.94); font-size: 1.05rem; max-width: 940px; }
    .hero-meta {
      display: flex;
      flex-wrap: wrap;
      gap: 12px;
      margin-top: 18px;
    }
    .hero-meta span {
      background: rgba(255,255,255,.12);
      border: 1px solid rgba(255,255,255,.18);
      padding: 10px 12px;
      border-radius: 12px;
      font-size: 14px;
    }
    .toc {
      background: var(--card);
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 24px;
      box-shadow: var(--shadow);
      margin-bottom: 28px;
    }
    .toc h2 {
      font-size: 1.2rem;
      margin: 0 0 10px;
      padding-top: 0;
    }
    .toc ol {
      margin: 0;
      padding-left: 18px;
      columns: 2;
      column-gap: 28px;
    }
    .toc li { margin: 0 0 8px; break-inside: avoid; }
    .section {
      background: var(--card);
      border: 1px solid var(--line);
      border-radius: var(--radius);
      box-shadow: var(--shadow);
      padding: 32px 28px;
      margin-bottom: 24px;
    }
    .callout {
      background: linear-gradient(180deg, #f3f9fe 0%, #eef6fb 100%);
      border: 1px solid #d8e8f3;
      border-radius: 16px;
      padding: 18px 18px 14px;
      margin: 18px 0 22px;
    }
    .callout strong { color: var(--brand); }
    .grid-3 {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 18px;
      margin: 22px 0;
    }
    .card {
      border: 1px solid var(--line);
      border-radius: 16px;
      padding: 18px;
      background: #fff;
    }
    .card h3 { margin-top: 0; font-size: 1.06rem; }
    .table-wrap { overflow-x: auto; margin: 20px 0; }
    table {
      width: 100%;
      border-collapse: collapse;
      min-width: 760px;
      font-size: 15px;
    }
    th, td {
      border: 1px solid var(--line);
      padding: 12px 10px;
      vertical-align: top;
      text-align: left;
    }
    th {
      background: #eef6fb;
      color: var(--brand);
      font-weight: 700;
    }
    .figure {
      margin: 26px 0;
      background: #fff;
      border: 1px solid var(--line);
      border-radius: 18px;
      overflow: hidden;
      box-shadow: var(--shadow);
    }
    .figure img {
      display: block;
      width: 100%;
      height: auto;
      background: #fff;
    }
    .figure figcaption {
      padding: 14px 16px;
      color: var(--muted);
      font-size: 14px;
      border-top: 1px solid var(--line);
      background: #fbfdff;
    }
    ul.checks, ul.links {
      margin: 0 0 18px;
      padding-left: 22px;
    }
    ul.checks li, ul.links li { margin-bottom: 10px; }
    .cta-band {
      border-radius: 18px;
      padding: 24px;
      background: linear-gradient(135deg, #0f4c81 0%, #174f80 50%, #326f9c 100%);
      color: #fff;
      margin-top: 12px;
    }
    .cta-band h2 {
      color: #fff;
      margin-top: 0;
      padding-top: 0;
    }
    .cta-band a {
      color: #fff;
      text-decoration: underline;
      font-weight: 700;
    }
    .faq-item {
      border-top: 1px solid var(--line);
      padding: 18px 0 0;
      margin-top: 18px;
    }
    .faq-item:first-child {
      border-top: 0;
      margin-top: 0;
      padding-top: 0;
    }
    .muted { color: var(--muted); }
    .pill-row {
      display: flex;
      flex-wrap: wrap;
      gap: 10px;
      margin: 18px 0 0;
    }
    .pill {
      background: #eef6fb;
      border: 1px solid #d6e5f0;
      color: var(--brand);
      padding: 8px 12px;
      border-radius: 999px;
      font-size: 13px;
      font-weight: 700;
    }
    .footer-note {
      margin-top: 26px;
      padding-top: 22px;
      border-top: 1px solid var(--line);
      color: var(--muted);
      font-size: 14px;
    }
    @media (max-width: 860px) {
      .toc ol { columns: 1; }
      .grid-3 { grid-template-columns: 1fr; }
      h1 { font-size: 2rem; }
      h2 { font-size: 1.5rem; }
      .section { padding: 24px 18px; }
      .hero { padding: 32px 22px; }
    }