:root{
      --bg:#f4f7fb;
      --card:#ffffff;
      --ink:#0f172a;
      --muted:#475569;
      --line:#e5e7eb;
      --brand:#1e3a8a;
      --brand2:#0f172a;
      --accent:#c5a059;
      --soft:#eef2ff;
      --success:#0f766e;
      --radius:18px;
      --shadow: 0 10px 30px rgba(2, 6, 23, .08);
    }
    *{box-sizing:border-box}
    body{
      margin:0;
      font-family:Montserrat, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
      background:var(--bg);
      color:var(--ink);
      line-height:1.75;
    }
    a{color:var(--brand);text-decoration:none}
    a:hover{text-decoration:underline}
    .container{max-width:1140px;margin:0 auto;padding:24px}
    .topbar{
      position:sticky;top:0;z-index:20;
      backdrop-filter: blur(10px);
      background: rgba(244,247,251,.85);
      border-bottom:1px solid rgba(229,231,235,.7);
    }
    .topbar-inner{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:12px 24px;max-width:1140px;margin:0 auto}
    .brand{
      display:flex;align-items:center;gap:10px;font-weight:700;color:var(--brand2);
      letter-spacing:.2px;
    }
    .dot{width:10px;height:10px;border-radius:99px;background:linear-gradient(135deg,var(--brand),var(--accent))}
    .nav{display:flex;gap:14px;flex-wrap:wrap}
    .nav a{font-size:14px;color:var(--muted)}
    .hero{
      background: radial-gradient(1200px 600px at 20% 0%, rgba(30,58,138,.25), transparent 55%),
                  radial-gradient(900px 520px at 100% 10%, rgba(197,160,89,.22), transparent 55%),
                  linear-gradient(135deg, var(--brand2), var(--brand));
      color:white;
      border-bottom:1px solid rgba(255,255,255,.12);
    }
    .hero-inner{max-width:1140px;margin:0 auto;padding:56px 24px 40px}
    .kicker{
      display:inline-flex;align-items:center;gap:10px;
      padding:6px 12px;border:1px solid rgba(255,255,255,.22);
      border-radius:999px;font-size:13px;opacity:.95
    }
    h1{
      font-family:"Playfair Display", serif;
      font-size:42px;line-height:1.15;margin:16px 0 14px;
      letter-spacing:.2px;
    }
    .hero p{max-width:860px;margin:0 0 18px;opacity:.92}
    .meta-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px;opacity:.9}
    .pill{
      display:inline-flex;align-items:center;gap:8px;
      background:rgba(255,255,255,.12);
      border:1px solid rgba(255,255,255,.14);
      padding:8px 12px;border-radius:999px;font-size:13px
    }
    .hero-media{
      margin-top:18px;
      border-radius:22px;
      overflow:hidden;
      border:1px solid rgba(255,255,255,.14);
      box-shadow: 0 18px 50px rgba(0,0,0,.25);
      background:rgba(255,255,255,.06);
    }
    .hero-media img{
      display:block;width:100%;height:auto;
    }

    .grid{
      display:grid;gap:18px;
      grid-template-columns: 1.6fr .9fr;
      margin-top:-26px;
    }
    @media (max-width: 980px){
      .grid{grid-template-columns:1fr;margin-top:0}
      h1{font-size:34px}
      .topbar-inner{padding:10px 16px}
      .hero-inner{padding:46px 16px 28px}
      .container{padding:16px}
    }
    .card{
      background:var(--card);
      border:1px solid var(--line);
      border-radius:var(--radius);
      box-shadow:var(--shadow);
    }
    .content{padding:22px}
    .sidebar{padding:18px}
    .toc{padding:18px}
    .toc h3{
      margin:0 0 10px;
      font-family:"Playfair Display", serif;
      font-size:18px;color:var(--ink);
    }
    .toc a{display:block;padding:8px 10px;border-radius:12px;color:var(--muted);font-size:14px}
    .toc a:hover{background:var(--soft);text-decoration:none;color:var(--brand)}
    h2{
      font-family:"Playfair Display", serif;
      font-size:26px;margin:30px 0 10px;
      color:var(--ink);
    }
    h3{font-size:18px;margin:18px 0 8px;color:var(--ink)}
    .lead{
      background:linear-gradient(180deg, rgba(30,58,138,.06), rgba(30,58,138,0));
      border:1px solid rgba(30,58,138,.12);
      padding:16px;border-radius:16px;
    }
    .lead strong{color:var(--brand2)}
    .callouts{
      display:grid;gap:14px;grid-template-columns:repeat(3,1fr);
      margin:14px 0 8px;
    }
    @media (max-width: 980px){.callouts{grid-template-columns:1fr}}
    .callout{
      border:1px solid var(--line);
      border-radius:16px;
      padding:14px;background:#fff;
    }
    .callout .t{font-weight:700;margin:0 0 6px}
    .callout .d{margin:0;color:var(--muted);font-size:14px}
    .badge{
      display:inline-flex;align-items:center;gap:8px;
      background:rgba(15,118,110,.08);
      border:1px solid rgba(15,118,110,.18);
      color:var(--success);
      padding:7px 10px;border-radius:999px;font-size:13px;font-weight:600
    }
    figure{
      margin:16px 0;
      border:1px solid var(--line);
      border-radius:18px;
      overflow:hidden;
      background:#fff;
    }
    figure img{width:100%;height:auto;display:block}
    figcaption{
      padding:10px 12px;
      font-size:13px;
      color:var(--muted);
      border-top:1px solid var(--line);
      background:#fbfdff;
    }
    .table-wrap{overflow:auto;border:1px solid var(--line);border-radius:16px}
    table{width:100%;border-collapse:collapse;background:#fff;min-width:760px}
    th,td{padding:12px;border-bottom:1px solid var(--line);vertical-align:top}
    th{background:#f8fafc;text-align:left;font-size:13px;color:#334155}
    td{font-size:14px;color:#111827}
    .checklist{
      border:1px solid rgba(30,58,138,.15);
      background:rgba(30,58,138,.06);
      padding:16px;border-radius:16px;
    }
    .checklist ul{margin:10px 0 0;padding-left:18px}
    .checklist li{margin:8px 0}
    .cta{
      border-radius:18px;
      background: linear-gradient(135deg, rgba(197,160,89,.18), rgba(30,58,138,.10));
      border:1px solid rgba(197,160,89,.35);
      padding:18px;
      display:flex;gap:14px;align-items:center;justify-content:space-between;flex-wrap:wrap;
      margin:18px 0 4px;
    }
    .cta .left{max-width:720px}
    .cta h3{margin:0 0 6px;font-size:18px}
    .cta p{margin:0;color:var(--muted)}
    .btn{
      display:inline-flex;align-items:center;justify-content:center;
      padding:12px 16px;border-radius:14px;
      background:var(--brand);
      color:white;font-weight:700;
      border:1px solid rgba(255,255,255,.08);
      box-shadow: 0 8px 20px rgba(30,58,138,.25);
      white-space:nowrap;
    }
    .btn:hover{text-decoration:none;filter:brightness(1.05)}
    .note{color:var(--muted);font-size:13px;margin-top:10px}
    .faq{margin-top:10px}
    details{
      border:1px solid var(--line);
      border-radius:16px;
      background:#fff;
      padding:12px 14px;
      margin:10px 0;
    }
    summary{
      cursor:pointer;font-weight:700;color:var(--ink);
      list-style:none;
    }
    summary::-webkit-details-marker{display:none}
    details p{margin:10px 0 0;color:var(--muted)}
    .footer{padding:26px 0 40px;color:var(--muted);font-size:13px}
    .mini-card{
      border:1px solid var(--line);
      border-radius:16px;
      padding:14px;background:#fff;
      margin-bottom:14px;
    }
    .mini-card h4{margin:0 0 8px;font-size:15px}
    .mini-card p{margin:0;color:var(--muted);font-size:14px}
    .tagline{font-size:14px;color:var(--muted);margin-top:8px}
    .img-note{font-size:12px;color:#64748b;margin-top:6px}