:root{
      --bg:#f6f8fc;
      --card:#ffffff;
      --text:#0f172a;
      --muted:#475569;
      --brand:#1e3a8a;
      --brand2:#0f172a;
      --accent:#c5a059;
      --line:#e6ebf5;
      --soft:#f1f5ff;
      --shadow:0 10px 30px rgba(15,23,42,.08);
      --radius:18px;
    }
    *{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(--text);
      line-height:1.85;
    }
    a{color:inherit}
    .wrap{max-width:1160px;margin:auto;padding:0 18px}
    .topbar{
      position:sticky;top:0;z-index:20;
      background:rgba(246,248,252,.85);
      backdrop-filter: blur(10px);
      border-bottom:1px solid var(--line);
    }
    .topbar .inner{
      display:flex;align-items:center;justify-content:space-between;
      padding:12px 0;gap:14px;
    }
    .brandmark{
      display:flex;align-items:center;gap:10px;text-decoration:none;
    }
    .dot{width:10px;height:10px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 4px rgba(197,160,89,.18)}
    .brandname{font-weight:700;letter-spacing:.2px}
    .nav{
      display:flex;gap:14px;flex-wrap:wrap;justify-content:flex-end;
      font-size:14px;color:var(--muted)
    }
    .nav a{color:var(--muted);text-decoration:none}
    .nav a:hover{color:var(--brand)}
    .hero{
      margin-top:18px;
      border-radius:26px;
      background:linear-gradient(135deg,var(--brand2),var(--brand));
      color:#fff;
      overflow:hidden;
      box-shadow:var(--shadow);
      position:relative;
    }
    .hero .grid{
      display:grid;
      grid-template-columns: 1.2fr .8fr;
      gap:22px;
      padding:48px 28px;
      align-items:center;
    }
    .kicker{
      display:inline-flex;gap:10px;align-items:center;
      padding:8px 12px;border-radius:999px;
      background:rgba(255,255,255,.12);
      border:1px solid rgba(255,255,255,.18);
      font-size:13px;letter-spacing:.2px
    }
    .hero h1{
      font-family:"Playfair Display", serif;
      font-size:40px;line-height:1.15;margin:14px 0 12px;
    }
    .hero p{margin:0;color:rgba(255,255,255,.9);max-width:720px}
    .ctaRow{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
    .btn{
      display:inline-block;text-decoration:none;
      padding:12px 18px;border-radius:12px;
      font-weight:700;font-size:14px;
      border:1px solid rgba(255,255,255,.22);
    }
    .btn.primary{background:var(--accent);border-color:transparent;color:#fff}
    .btn.ghost{background:rgba(255,255,255,.08);color:#fff}
    .heroCard{
      background:rgba(255,255,255,.10);
      border:1px solid rgba(255,255,255,.18);
      border-radius:18px;
      padding:16px 16px;
    }
    .heroCard .line{height:1px;background:rgba(255,255,255,.18);margin:12px 0}
    .mini{
      display:grid;gap:8px;
      font-size:14px;color:rgba(255,255,255,.92)
    }
    .mini b{color:#fff}
    .content{
      display:grid;
      grid-template-columns: 1fr 320px;
      gap:22px;
      margin:22px 0 60px;
      align-items:start;
    }
    .card{
      background:var(--card);
      border:1px solid var(--line);
      border-radius:var(--radius);
      box-shadow:var(--shadow);
      padding:22px;
    }
    .toc{
      position:sticky;top:72px;
      padding:18px;
    }
    .toc h3{
      margin:0 0 10px;
      font-size:14px;color:var(--muted);letter-spacing:.2px;text-transform:uppercase
    }
    .toc a{
      display:block;
      text-decoration:none;
      color:var(--text);
      padding:8px 10px;border-radius:10px;
      border:1px solid transparent;
      font-size:14px;
    }
    .toc a:hover{background:var(--soft);border-color:var(--line)}
    h2{
      font-family:"Playfair Display", serif;
      font-size:28px;line-height:1.2;
      margin:0 0 10px;
    }
    h3{margin:18px 0 8px;font-size:18px}
    .muted{color:var(--muted)}
    .badgeRow{display:flex;gap:10px;flex-wrap:wrap;margin:10px 0 0}
    .badge{
      font-size:12px;
      padding:7px 10px;border-radius:999px;
      background:var(--soft);
      border:1px solid var(--line);
      color:var(--muted);
    }
    .grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:12px}
    .box{
      border:1px solid var(--line);
      background:linear-gradient(180deg,#fff,var(--soft));
      border-radius:16px;
      padding:14px;
    }
    .box h4{margin:0 0 6px;font-size:15px}
    .box ul{margin:0;padding-left:18px}
    .hr{height:1px;background:var(--line);margin:22px 0}
    .callout{
      background:linear-gradient(135deg, var(--soft), #ffffff);
      border:1px solid var(--line);
      border-radius:16px;
      padding:16px;
    }
    .callout b{color:var(--brand)}
    figure{
      margin:14px 0;
      border:1px solid var(--line);
      background:#fff;
      border-radius:16px;
      overflow:hidden;
      box-shadow:0 6px 18px rgba(15,23,42,.06);
    }
    figure img{
      width:100%;
      height:auto;
      display:block;
      background:#eef2ff;
    }
    figcaption{
      padding:10px 12px;
      font-size:13px;
      color:var(--muted);
      border-top:1px solid var(--line);
      background:linear-gradient(180deg,#fff,var(--soft));
    }
    .faq details{
      border:1px solid var(--line);
      border-radius:14px;
      padding:12px 14px;
      background:#fff;
      margin:10px 0;
    }
    .faq summary{cursor:pointer;font-weight:700}
    .footerCta{
      margin-top:18px;
      display:flex;gap:12px;flex-wrap:wrap;align-items:center;
      padding:16px;border-radius:16px;
      border:1px solid var(--line);
      background:linear-gradient(135deg,#fff,var(--soft));
    }
    .pill{
      font-size:12px;color:var(--muted);
      border:1px solid var(--line);
      background:#fff;border-radius:999px;padding:7px 10px
    }
    @media (max-width: 980px){
      .hero .grid{grid-template-columns:1fr;padding:36px 18px}
      .content{grid-template-columns:1fr}
      .toc{position:relative;top:0}
      .hero h1{font-size:34px}
      .grid2{grid-template-columns:1fr}
    }