:root{--ink:#172033;--muted:#5d6879;--line:#dfe5ec;--soft:#f5f8fb;--brand:#174f91;--brand2:#0c3565;--accent:#e6f0fb;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;line-height:1.72;background:#fff}
a{color:var(--brand)}.shell{width:min(var(--max),calc(100% - 36px));margin:auto}.site-header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}
.header-row{min-height:68px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-weight:800;text-decoration:none;color:var(--ink);font-size:1.1rem}.brand span{color:var(--brand)}
nav{display:flex;gap:22px}nav a{text-decoration:none;color:var(--ink);font-weight:650;font-size:.94rem}
.hero{padding:68px 0 48px;background:linear-gradient(135deg,#f7faff,#eaf2fb)}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.76rem;font-weight:800;color:var(--brand)}
h1{font-size:clamp(2.1rem,5vw,4rem);line-height:1.08;margin:.4rem 0 1.1rem;max-width:940px}h2{font-size:clamp(1.45rem,3vw,2.1rem);line-height:1.2;margin:2.2rem 0 .8rem}h3{line-height:1.3}
.lead{font-size:1.18rem;max-width:820px;color:#39465a}.meta{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px;color:var(--muted);font-size:.9rem}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:48px;padding:48px 0 72px}.article-body{min-width:0}.article-body p{margin:.7rem 0 1.05rem}
.quick,.callout{border-left:5px solid var(--brand);background:var(--accent);padding:22px 24px;border-radius:8px;margin:0 0 28px}.quick h2,.callout h2{margin:0 0 .6rem;font-size:1.2rem}
.takeaways{background:var(--soft);border:1px solid var(--line);padding:22px 26px;border-radius:10px}.takeaways h2{margin:0 0 8px;font-size:1.25rem}.takeaways li{margin:.45rem 0}
.toc{position:sticky;top:90px;align-self:start;border:1px solid var(--line);border-radius:10px;padding:20px;background:#fff}.toc strong{display:block;margin-bottom:10px}.toc a{display:block;text-decoration:none;padding:5px 0;font-size:.91rem;color:#3f4a5c}
.faq{border-top:1px solid var(--line);padding:18px 0}.faq h3{margin:.1rem 0 .45rem;font-size:1.05rem}.related-grid,.card-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.card{border:1px solid var(--line);border-radius:12px;padding:22px;text-decoration:none;color:var(--ink);background:#fff}.card:hover{box-shadow:0 10px 28px rgba(23,79,145,.1);transform:translateY(-1px)}.card h3{margin:.1rem 0 .55rem}.card p{color:var(--muted);margin:0}
.cta{margin-top:44px;border-radius:16px;padding:32px;background:var(--brand2);color:#fff}.cta h2{margin:0 0 8px}.cta a{display:inline-block;margin-top:10px;background:#fff;color:var(--brand2);text-decoration:none;font-weight:800;padding:11px 18px;border-radius:8px}
.references{font-size:.9rem;color:var(--muted);word-break:break-word}.site-footer{background:#111a2b;color:#dce5f0;padding:42px 0 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr;gap:30px}.site-footer a{color:#fff}.legal{border-top:1px solid #334056;margin-top:24px;padding-top:18px;font-size:.82rem;color:#aeb9c8}
.article-list{padding:58px 0}.article-list h2{margin-top:0}.notice{padding:14px 18px;background:#fff8df;border:1px solid #efd889;border-radius:8px}
@media(max-width:820px){nav{display:none}.layout{grid-template-columns:1fr}.toc{position:static;order:-1}.related-grid,.card-grid{grid-template-columns:1fr}.hero{padding-top:45px}.footer-grid{grid-template-columns:1fr}}