:root{
  --blue:#0a66ff;
  --blue-dark:#073b8f;
  --yellow:#fff4c7;
  --yellow-line:#f2cb45;
  --green:#e3f7ea;
  --green-line:#bfe8ca;
  --ink:#1b2a28;
  --muted:#5d706c;
  --line:#d8e3df;
  --soft:#f5faf8;
  --shadow:0 18px 50px rgba(18,48,63,.10);
  --radius:8px;
}
*{box-sizing:border-box}
body{
  margin:0;
  color:var(--ink);
  background:radial-gradient(circle at 12% 4%,rgba(10,102,255,.07),transparent 28%),linear-gradient(180deg,#fff 0%,var(--soft) 100%);
  font:16px/1.7 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}
.shell{width:min(1080px,calc(100vw - 40px));margin:auto;padding:28px 0 64px}
.top{display:flex;justify-content:space-between;gap:18px;align-items:center;margin-bottom:26px}
.brand{display:flex;align-items:center;gap:10px;color:var(--blue-dark);font-weight:950;text-decoration:none}
.mark{width:40px;height:40px;display:grid;place-items:center}
.mark img{width:40px;height:40px;display:block;object-fit:contain}
.brand-copy{display:flex;flex-direction:column;line-height:1.05}
.brand-copy strong{font-size:16px;letter-spacing:-.02em}
.brand-copy small{color:var(--muted);font-size:11px;font-weight:850;letter-spacing:.01em}
.nav{display:flex;gap:14px;flex-wrap:wrap}
.nav a{color:var(--blue-dark);font-weight:850;text-decoration:none}
.hero,.article,.promo,.callout,.source-card{border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}
.hero{padding:38px;margin-bottom:18px}
.eyebrow{display:inline-flex;border:1px solid #c7dcff;background:#eef5ff;color:var(--blue-dark);border-radius:999px;padding:5px 11px;font-size:12px;font-weight:950;letter-spacing:.08em;text-transform:uppercase}
h1{font-size:clamp(38px,5vw,64px);line-height:.98;margin:16px 0 14px;letter-spacing:-.055em;max-width:920px}
.lead{font-size:20px;color:var(--muted);max-width:820px;margin:0}
.meta{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px;color:var(--muted);font-size:13px;font-weight:750}
.article{padding:34px}
.article h2{font-size:30px;line-height:1.12;margin:38px 0 12px;letter-spacing:-.035em}
.article h3{font-size:20px;margin:26px 0 8px}
.article p{margin:0 0 16px}
.article a{color:var(--blue-dark);font-weight:850}
.toc{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:20px 0 10px}
.toc a{border:1px solid var(--line);border-radius:var(--radius);padding:11px 13px;text-decoration:none;color:var(--blue-dark);font-weight:850;background:#fbfdfd}
.callout{background:var(--yellow);border-color:var(--yellow-line);padding:18px;margin:22px 0}
.quote{border-left:4px solid var(--blue);background:#f7fbff;padding:13px 17px;margin:18px 0;color:#314744}
.checklist,.steps{padding-left:22px}
.checklist li,.steps li{margin:9px 0}
.risk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:16px 0 20px}
.risk{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:16px}
.risk strong{display:block;color:var(--blue-dark);margin-bottom:6px}
.risk.high{background:#fff4c7;border-color:#f2cb45}
.risk.medium{background:#eef5ff;border-color:#c7dcff}
.risk.low{background:#e3f7ea;border-color:#bfe8ca}
.promo{display:grid;grid-template-columns:46px minmax(0,1fr) auto;gap:14px;align-items:center;margin:28px 0;padding:17px 18px;text-decoration:none;color:var(--ink);background:linear-gradient(135deg,#fff 0%,#eef5ff 58%,#fff9d9 100%)}
.promo-icon{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--blue);color:#fff;font-weight:950;box-shadow:0 10px 22px rgba(10,102,255,.22)}
.promo strong{display:block;font-size:18px;line-height:1.2;margin-bottom:4px}
.promo span{color:var(--muted);font-size:13px;line-height:1.4}
.promo .cta{color:var(--blue-dark);font-weight:950;white-space:nowrap}
.guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:14px}
.guide-grid a{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:13px;text-decoration:none;color:var(--blue-dark);font-weight:850}
.source-card{padding:18px;background:#fbfdfd;color:var(--muted);font-size:13px;margin-top:28px}
.source-card h2{margin-top:0;font-size:18px;letter-spacing:0}
.faq{border-top:1px solid var(--line);margin-top:30px;padding-top:10px}
.faq details{border-bottom:1px solid var(--line);padding:14px 0}
.faq summary{font-weight:900;cursor:pointer}
@media(max-width:780px){
  .top{align-items:flex-start;flex-direction:column}
  .toc,.risk-grid,.promo,.guide-grid{grid-template-columns:1fr}
  .promo .cta{white-space:normal}
  .hero,.article{padding:24px}
  h1{font-size:40px}
}
@media print{
  body{font-size:12px;background:#fff}
  .shell{width:720px;padding:0}
  .top,.promo{display:none}
  .hero,.article,.source-card{box-shadow:none}
}