:root{
      --bg:#f4f7fb;
      --card:#ffffff;
      --ink:#0f172a;
      --muted:#475569;
      --line:#e2e8f0;
      --brand:#1f3c88;
      --accent:#c5a059;
      --shadow:0 10px 30px rgba(2,8,23,.08);
      --radius:18px;
      --max:1100px;
    }
    *{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:1.8;
    }
    a{color:var(--brand); text-decoration:none}
    a:hover{text-decoration:underline}
    .topbar{
      background:linear-gradient(120deg,#0b1226,#1f3c88);
      color:#fff;
      padding:14px 18px;
      position:sticky;
      top:0;
      z-index:20;
      box-shadow:0 8px 20px rgba(2,8,23,.15);
    }
    .topbar .wrap{
      max-width:var(--max);
      margin:auto;
      display:flex;
      align-items:center;
      gap:14px;
      justify-content:space-between;
    }
    .brand{
      display:flex; align-items:center; gap:10px;
      font-weight:700;
      letter-spacing:.3px;
    }
    .dot{
      width:10px; height:10px; border-radius:999px;
      background:var(--accent);
      box-shadow:0 0 0 4px rgba(197,160,89,.25);
    }
    .btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      padding:12px 18px;
      border-radius:999px;
      background:var(--accent);
      color:#fff;
      font-weight:700;
      border:0;
      text-decoration:none;
      box-shadow:0 12px 26px rgba(197,160,89,.28);
      transition:transform .15s ease, box-shadow .15s ease;
      white-space:nowrap;
    }
    .btn:hover{transform:translateY(-1px); box-shadow:0 16px 36px rgba(197,160,89,.33); text-decoration:none}
    .btn.secondary{
      background:#ffffff;
      color:var(--brand);
      border:1px solid rgba(255,255,255,.35);
      box-shadow:none;
    }
    .btn.secondary:hover{border-color:#fff}
    .container{max-width:var(--max); margin:auto; padding:34px 18px 70px}
    .breadcrumbs{
      font-size:13px;
      color:rgba(255,255,255,.85);
    }
    .hero{
      margin-top:18px;
      background:radial-gradient(1200px 500px at 15% 10%, rgba(197,160,89,.25), transparent 55%),
                 radial-gradient(900px 420px at 85% 15%, rgba(255,255,255,.12), transparent 55%),
                 linear-gradient(135deg,#0f172a,#1f3c88);
      color:#fff;
      border-radius:var(--radius);
      padding:44px 26px;
      box-shadow:var(--shadow);
      overflow:hidden;
      position:relative;
    }
    .hero h1{
      font-family:"Playfair Display", serif;
      line-height:1.2;
      font-size:clamp(28px,3.4vw,44px);
      margin:0 0 10px;
      letter-spacing:.2px;
    }
    .hero p{
      margin:0;
      color:rgba(255,255,255,.9);
      max-width:860px;
    }
    .hero .meta{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:18px;
      color:rgba(255,255,255,.9);
      font-size:14px;
    }
    .pill{
      display:inline-flex;
      align-items:center;
      gap:8px;
      padding:7px 12px;
      border-radius:999px;
      background:rgba(255,255,255,.12);
      border:1px solid rgba(255,255,255,.18);
      backdrop-filter: blur(4px);
    }
    .grid{
      display:grid;
      grid-template-columns: 1.25fr .75fr;
      gap:18px;
      margin-top:18px;
    }
    @media (max-width: 980px){
      .grid{grid-template-columns:1fr}
      .topbar .wrap{flex-wrap:wrap; justify-content:center}
    }
    .card{
      background:var(--card);
      border-radius:var(--radius);
      box-shadow:var(--shadow);
      border:1px solid rgba(226,232,240,.8);
      overflow:hidden;
    }
    .card .inner{padding:22px}
    h2{
      margin:0 0 10px;
      font-family:"Playfair Display", serif;
      font-size:28px;
      line-height:1.25;
      color:#0b1736;
    }
    h3{
      margin:18px 0 8px;
      font-size:16px;
      color:var(--brand);
      letter-spacing:.2px;
    }
    .muted{color:var(--muted)}
    .toc{
      padding:18px 18px 16px;
      border-bottom:1px solid var(--line);
      background:linear-gradient(180deg, rgba(31,60,136,.06), transparent);
    }
    .toc strong{display:block; margin-bottom:8px}
    .toc a{display:block; padding:6px 0; color:var(--ink); opacity:.95}
    .toc a:hover{color:var(--brand)}
    .list{
      display:grid;
      gap:12px;
      margin-top:10px;
    }
    .q{
      display:flex;
      gap:12px;
      padding:14px;
      border:1px solid var(--line);
      border-radius:14px;
      background:#fff;
    }
    .num{
      min-width:34px;
      height:34px;
      border-radius:10px;
      display:flex;
      align-items:center;
      justify-content:center;
      background:rgba(31,60,136,.08);
      color:var(--brand);
      font-weight:800;
    }
    .q p{margin:0}
    .q .title{font-weight:800; color:#0b1736}
    .q .why{color:var(--muted); margin-top:4px}
    .callout{
      margin-top:14px;
      padding:16px;
      border-radius:14px;
      border:1px dashed rgba(197,160,89,.55);
      background:linear-gradient(180deg, rgba(197,160,89,.10), rgba(197,160,89,.04));
    }
    .callout strong{color:#6b4f19}
    .cta{
      display:flex;
      flex-wrap:wrap;
      gap:10px;
      margin-top:14px;
      align-items:center;
    }
    .badge{
      display:inline-flex;
      align-items:center;
      gap:8px;
      font-size:13px;
      color:var(--muted);
      padding:8px 10px;
      border-radius:999px;
      border:1px solid var(--line);
      background:#fff;
    }
    details{
      border:1px solid var(--line);
      border-radius:14px;
      padding:12px 14px;
      background:#fff;
      margin-top:10px;
    }
    summary{
      cursor:pointer;
      font-weight:800;
      color:#0b1736;
      list-style:none;
    }
    summary::-webkit-details-marker{display:none}
    details p{margin:8px 0 0; color:var(--muted)}
    .footer{
      margin-top:18px;
      font-size:13px;
      color:var(--muted);
      text-align:center;
    }
    .hr{height:1px; background:var(--line); margin:18px 0}
    .stickyBox{
      position:sticky; top:92px;
    }
    .small{
      font-size:14px;
      color:var(--muted);
    }
    .quote{
      margin:12px 0 0;
      padding:14px 16px;
      border-left:4px solid rgba(31,60,136,.35);
      background:rgba(31,60,136,.05);
      border-radius:12px;
      color:#10224f;
    }