:root {
  --ink: #17243c;
  --muted: #5d687a;
  --line: #dce3ec;
  --paper: #ffffff;
  --wash: #f4f7fb;
  --blue: #155eef;
  --blue-dark: #0d3da6;
  --mint: #dff8ed;
  --green: #147a55;
  --amber: #fff2c7;
  --red-wash: #fff0ed;
  --red: #a43a29;
  --radius: 22px;
  --shadow: 0 14px 45px rgba(20, 37, 63, .08);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 17px;
  line-height: 1.68;
  text-rendering: optimizeLegibility;
}
a { color: var(--blue-dark); text-decoration-thickness: .08em; text-underline-offset: .16em; }
a:hover { color: var(--blue); }
img { max-width: 100%; }
button, input { font: inherit; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.skip-link { position: absolute; left: -9999px; top: 8px; z-index: 100; padding: 10px 14px; background: #fff; }
.skip-link:focus { left: 8px; }

.site-header { position: sticky; top: 0; z-index: 30; border-bottom: 1px solid rgba(220,227,236,.85); background: rgba(255,255,255,.96); backdrop-filter: blur(12px); }
.header-row { min-height: 78px; display: flex; align-items: center; gap: 28px; }
.brand { display: inline-flex; flex: none; align-items: center; gap: 10px; color: var(--ink); text-decoration: none; font-size: 22px; font-weight: 850; letter-spacing: -.04em; }
.brand-mark { display: grid; place-items: center; width: 39px; height: 39px; border-radius: 13px; color: white; background: var(--blue); font-size: 14px; letter-spacing: -.04em; box-shadow: 0 7px 18px rgba(21,94,239,.25); }
.brand small { display: block; color: var(--muted); font-size: 10px; font-weight: 650; line-height: 1.1; letter-spacing: .04em; text-transform: uppercase; }
.site-nav { margin-left: auto; display: flex; align-items: center; gap: 5px; font-size: 14px; font-weight: 700; }
.site-nav a { color: #344158; text-decoration: none; }
.site-nav a:hover { color: var(--blue); }
.nav-group { position: relative; }
.nav-group summary { position: relative; padding: 11px 25px 11px 11px; border-radius: 10px; color: #344158; cursor: pointer; list-style: none; white-space: nowrap; }
.nav-group summary::-webkit-details-marker { display: none; }
.nav-group summary::after { content: ""; position: absolute; right: 9px; top: 50%; width: 6px; height: 6px; border-right: 2px solid #728096; border-bottom: 2px solid #728096; transform: translateY(-65%) rotate(45deg); transition: transform .16s ease; }
.nav-group[open] summary { background: var(--wash); color: var(--blue); }
.nav-group[open] summary::after { transform: translateY(-25%) rotate(225deg); }
.nav-panel { position: absolute; top: calc(100% + 10px); left: 0; display: grid; width: max-content; min-width: 245px; max-width: 330px; padding: 10px; border: 1px solid var(--line); border-radius: 15px; background: white; box-shadow: var(--shadow); }
.nav-group:nth-last-child(-n+2) .nav-panel { right: 0; left: auto; }
.nav-panel a { padding: 9px 11px; border-radius: 9px; line-height: 1.3; }
.nav-panel a:hover { background: var(--wash); }
.nav-toggle { display: none; margin-left: auto; border: 1px solid var(--line); border-radius: 12px; background: white; padding: 9px 12px; color: var(--ink); font-weight: 750; }

.hero { overflow: hidden; padding: 72px 0 54px; background: radial-gradient(circle at 85% 15%, #dce9ff 0, transparent 30%), linear-gradient(135deg, #f8fbff, #eef4ff); border-bottom: 1px solid var(--line); }
.hero-grid { display: grid; grid-template-columns: 1.28fr .72fr; align-items: center; gap: 60px; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; margin: 0 0 18px; color: var(--blue-dark); font-size: 13px; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.eyebrow::before { content: ""; width: 9px; height: 9px; border-radius: 50%; background: #28b37d; box-shadow: 0 0 0 5px rgba(40,179,125,.12); }
h1, h2, h3 { margin-top: 0; line-height: 1.15; letter-spacing: -.035em; }
h1 { margin-bottom: 22px; font-size: clamp(38px, 5.8vw, 66px); }
h2 { margin-bottom: 20px; font-size: clamp(28px, 3.8vw, 42px); }
h3 { margin-bottom: 10px; font-size: 23px; }
.hero-lead { max-width: 760px; color: #46546b; font-size: 21px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 10px 19px; border: 1px solid var(--blue); border-radius: 13px; background: var(--blue); color: white; text-decoration: none; font-weight: 800; }
.button:hover { background: var(--blue-dark); color: white; }
.button-secondary { border-color: #bdc9da; background: white; color: var(--ink); }
.button-secondary:hover { border-color: var(--blue); background: white; color: var(--blue); }
.hero-card { position: relative; padding: 28px; border: 1px solid rgba(255,255,255,.8); border-radius: 28px; background: rgba(255,255,255,.82); box-shadow: var(--shadow); }
.hero-card::before { content: "101"; display: block; margin-bottom: 8px; color: var(--blue); font-size: 58px; font-weight: 900; line-height: 1; letter-spacing: -.08em; }
.hero-card strong { display: block; margin-bottom: 10px; font-size: 22px; }
.hero-card p { margin: 0; color: var(--muted); }

.section { padding: 70px 0; }
.section-soft { background: var(--wash); }
.section-head { display: flex; justify-content: space-between; gap: 30px; align-items: end; margin-bottom: 30px; }
.section-head h2, .section-head p { margin-bottom: 0; }
.section-head p { max-width: 530px; color: var(--muted); }
.grid { display: grid; gap: 20px; }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.card { padding: 26px; border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: 0 8px 30px rgba(20,37,63,.04); }
.card h3 a { color: var(--ink); text-decoration: none; }
.card h3 a:hover { color: var(--blue); }
.card p { margin: 0; color: var(--muted); }
.card .meta { margin-bottom: 12px; color: var(--green); font-size: 12px; font-weight: 850; letter-spacing: .06em; text-transform: uppercase; }
.number-card { counter-increment: steps; }
.number-card::before { content: counter(steps, decimal-leading-zero); display: block; margin-bottom: 22px; color: var(--blue); font-size: 32px; font-weight: 900; }
.steps { counter-reset: steps; }
.warning { padding: 24px 26px; border-left: 5px solid #e0a31c; border-radius: 14px; background: var(--amber); }
.warning strong { display: block; margin-bottom: 5px; }
.risk-note { padding: 24px 26px; border-left: 5px solid var(--red); border-radius: 14px; background: var(--red-wash); }
.risk-note strong { color: var(--red); }
.info-note { padding: 24px 26px; border-left: 5px solid var(--blue); border-radius: 14px; background: #edf4ff; }

.page-hero { padding: 56px 0 40px; background: linear-gradient(135deg, #f8fbff, #eef4ff); border-bottom: 1px solid var(--line); }
.page-hero h1 { max-width: 920px; font-size: clamp(36px, 5vw, 58px); }
.page-hero .lead { max-width: 820px; margin-bottom: 0; color: #4b596f; font-size: 21px; }
.breadcrumbs { margin-bottom: 22px; color: var(--muted); font-size: 14px; }
.breadcrumbs a { color: var(--muted); }
.article-layout { display: grid; grid-template-columns: minmax(0, 760px) 300px; justify-content: space-between; gap: 60px; padding: 56px 0 80px; }
.article { min-width: 0; }
.article-meta { display: flex; flex-wrap: wrap; gap: 10px 22px; margin: 0 0 32px; color: var(--muted); font-size: 14px; }
.article h2 { margin-top: 48px; font-size: 34px; }
.article h3 { margin-top: 32px; }
.article p { margin: 0 0 20px; }
.article ul, .article ol { padding-left: 24px; }
.article li { margin-bottom: 9px; }
.article table { width: 100%; margin: 28px 0; border-collapse: collapse; font-size: 15px; }
.article th, .article td { padding: 14px; border: 1px solid var(--line); text-align: left; vertical-align: top; }
.article th { background: var(--wash); }
.article blockquote { margin: 30px 0; padding: 22px 25px; border-left: 4px solid var(--blue); background: var(--wash); }
.article-visual { margin: 8px 0 38px; }
.article-visual img { display: block; width: 100%; height: auto; aspect-ratio: 3 / 2; border: 1px solid var(--line); border-radius: 20px; background: var(--wash); box-shadow: 0 16px 42px rgba(20,37,63,.10); object-fit: cover; }
.article-visual figcaption { margin-top: 10px; color: var(--muted); font-size: 13px; line-height: 1.55; }
.home-visual { width: min(1160px, calc(100% - 40px)); margin: -30px auto 55px; }
.home-visual img { max-height: 640px; }
.toc { position: sticky; top: 110px; padding: 22px; border: 1px solid var(--line); border-radius: 18px; background: white; font-size: 14px; }
.toc strong { display: block; margin-bottom: 10px; }
.toc a { display: block; margin: 8px 0; color: #4a5870; text-decoration: none; }
.toc a:hover { color: var(--blue); }
.related { margin-top: 52px; padding-top: 34px; border-top: 1px solid var(--line); }
.related-links { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 12px; }
.related-links a { padding: 15px 17px; border: 1px solid var(--line); border-radius: 13px; color: var(--ink); text-decoration: none; font-weight: 750; }
.related-links a:hover { border-color: #a8bce3; color: var(--blue); }
.sources { margin-top: 46px; padding: 25px; border-radius: 16px; background: var(--wash); font-size: 14px; }
.sources h2 { margin: 0 0 12px; font-size: 22px; }
.sources li { margin-bottom: 7px; }

.faq details { margin-bottom: 12px; padding: 18px 20px; border: 1px solid var(--line); border-radius: 14px; background: white; }
.faq summary { cursor: pointer; font-weight: 820; }
.faq details p { margin: 12px 0 0; color: var(--muted); }
.glossary dt { margin-top: 24px; font-size: 20px; font-weight: 850; }
.glossary dd { margin: 5px 0 0; color: var(--muted); }

.site-footer { padding: 50px 0 25px; background: #10223e; color: #c9d4e6; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 50px; }
.site-footer .brand { margin-bottom: 16px; color: white; }
.site-footer h2 { color: white; font-size: 15px; letter-spacing: .01em; }
.site-footer p { color: #b8c5d8; font-size: 14px; }
.footer-links a { display: block; margin: 8px 0; color: #d8e2f0; text-decoration: none; font-size: 14px; }
.footer-bottom { margin-top: 35px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.12); color: #94a5bd; font-size: 12px; }

@media (max-width: 900px) {
  .nav-toggle { display: inline-flex; }
  .site-nav { display: none; position: absolute; inset: 78px 20px auto; max-height: calc(100vh - 100px); overflow-y: auto; padding: 12px; border: 1px solid var(--line); border-radius: 16px; background: white; box-shadow: var(--shadow); }
  .site-nav.is-open { display: block; }
  .nav-group { border-bottom: 1px solid var(--line); }
  .nav-group:last-child { border-bottom: 0; }
  .nav-group summary { padding: 13px 30px 13px 10px; }
  .nav-panel, .nav-group:nth-last-child(-n+2) .nav-panel { position: static; width: auto; min-width: 0; max-width: none; padding: 2px 4px 12px 15px; border: 0; border-radius: 0; background: transparent; box-shadow: none; }
  .nav-panel a { display: block; }
  .hero-grid, .article-layout { grid-template-columns: 1fr; }
  .hero-card { max-width: 600px; }
  .article-layout { gap: 15px; }
  .toc { position: static; grid-row: 1; }
  .grid-3 { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 620px) {
  body { font-size: 16px; }
  .container { width: min(100% - 26px, 1160px); }
  .hero { padding-top: 45px; }
  .hero-grid { gap: 30px; }
  .hero-lead, .page-hero .lead { font-size: 18px; }
  .section { padding: 50px 0; }
  .section-head { display: block; }
  .section-head p { margin-top: 12px; }
  .grid-3, .grid-2, .related-links, .footer-grid { grid-template-columns: 1fr; }
  .article-layout { padding-top: 32px; }
  .article h2 { font-size: 28px; }
  .card { padding: 21px; }
  .article-visual { margin-bottom: 30px; }
  .home-visual { width: min(100% - 26px, 1160px); margin-top: -20px; margin-bottom: 38px; }
}

@media print {
  .portal-note, .site-header, .site-footer, .toc, .related { display: none; }
  body { color: #000; font-size: 12pt; }
  .article-layout { display: block; padding: 0; }
  a { color: #000; }
}