:root{--navy:#101D35;--navy2:#1a2b4d;--em:#2BD3A0;--em-d:#0e9f76;--white:#fff;--gray:#F5F7FA;--text:#64748B;--ink:#1e293b;--line:#e2e8f0;--r:14px;--w:1160px;--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--serif:Georgia,"Times New Roman",serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:#fff;line-height:1.65;font-size:17px}
img{max-width:100%;height:auto;display:block}a{color:var(--em-d)}a:hover{color:var(--navy)}
.wrap{max-width:var(--w);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:99}.skip:focus{left:8px;top:8px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.hd{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:inline-flex;align-items:center;gap:8px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.5rem;letter-spacing:-.03em}
.logo svg{width:30px;height:30px}.logo span b{color:var(--em-d)}
.nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0}
.nav a{display:block;padding:9px 13px;border-radius:8px;text-decoration:none;color:var(--navy);font-weight:600;font-size:.95rem}
.nav a:hover,.nav a[aria-current=page]{background:var(--gray);color:var(--navy)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;cursor:pointer;color:var(--navy)}
.menu-btn svg{width:22px;height:22px}
@media(max-width:860px){.menu-btn{display:inline-grid;place-items:center}.nav{position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);display:none;padding:8px 20px 16px}.nav.open{display:block}.nav ul{flex-direction:column}.nav a{padding:13px 10px}}
.btn{display:inline-block;background:var(--em);color:var(--navy);font-weight:700;text-decoration:none;padding:15px 26px;border-radius:12px;transition:transform .15s,box-shadow .15s;box-shadow:0 6px 18px rgba(43,211,160,.28);border:0;cursor:pointer;font-size:1rem;font-family:inherit}
.btn:hover{transform:translateY(-2px);color:var(--navy);box-shadow:0 10px 22px rgba(43,211,160,.35)}
.btn.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35);box-shadow:none}
.hero{background:linear-gradient(135deg,var(--navy) 0%,#16294d 100%);color:#fff;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;padding-top:72px;padding-bottom:72px}
.hero h1{font-size:clamp(2.1rem,5.5vw,3.6rem);line-height:1.08;margin:0 0 18px;letter-spacing:-.03em}
.hero h1 em{font-style:normal;color:var(--em)}.hero p{color:#cbd5e1;font-size:1.15rem;max-width:34em;margin:0 0 28px}
.hero-art{width:100%;max-width:460px;justify-self:end}
@media(max-width:860px){.hero .wrap{grid-template-columns:1fr;padding-top:48px;padding-bottom:48px}.hero-art{justify-self:center;max-width:320px}}
section.blk{padding:72px 0}section.gray{background:var(--gray)}
.eyebrow{color:var(--em-d);font-weight:700;text-transform:uppercase;letter-spacing:.09em;font-size:.8rem;margin:0 0 8px}
h2.sec{font-size:clamp(1.6rem,3.5vw,2.3rem);line-height:1.2;color:var(--navy);margin:0 0 14px;letter-spacing:-.02em}
.lead{color:var(--text);max-width:44em;margin:0 0 36px}
.grid{display:grid;gap:22px}.g4{grid-template-columns:repeat(4,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}
@media(max-width:980px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.g4,.g3,.g2{grid-template-columns:1fr}}
.cat{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;text-decoration:none;color:inherit;display:block;transition:transform .2s,box-shadow .2s}
.cat:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(16,29,53,.09)}
.cat .ic{width:52px;height:52px;border-radius:14px;background:var(--navy);display:grid;place-items:center;margin-bottom:16px}.cat .ic svg{width:28px;height:28px}
.cat h3{margin:0 0 6px;color:var(--navy);font-size:1.15rem}.cat p{margin:0 0 12px;color:var(--text);font-size:.95rem}.cat .more{color:var(--em-d);font-weight:700;font-size:.92rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(16,29,53,.09)}
.card img{width:100%;aspect-ratio:1200/630;object-fit:cover;background:var(--navy)}
.card .b{padding:20px;display:flex;flex-direction:column;gap:8px;flex:1}
.tag{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--em-d)}
.card h3{margin:0;font-size:1.1rem;line-height:1.3;color:var(--navy)}.card p{margin:0;color:var(--text);font-size:.93rem}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
@media(max-width:860px){.split{grid-template-columns:1fr;gap:28px}}
.steps{list-style:none;margin:0;padding:0;display:grid;gap:14px}.steps li{background:#fff;border:1px solid var(--line);border-left:4px solid var(--em);border-radius:10px;padding:16px 18px}.steps strong{color:var(--navy)}
.recent{list-style:none;margin:0;padding:0}.recent li{border-bottom:1px solid var(--line);padding:14px 0;display:flex;gap:14px;align-items:baseline;flex-wrap:wrap}
.recent a{font-weight:600;color:var(--navy);text-decoration:none}.recent a:hover{color:var(--em-d)}.recent time{color:var(--text);font-size:.85rem;min-width:96px}
.catlink{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}.catlink a{padding:9px 16px;border:1px solid var(--line);border-radius:99px;text-decoration:none;color:var(--navy);font-weight:600;font-size:.9rem;background:#fff}
.crumbs{font-size:.85rem;color:var(--text);padding:22px 0 0}.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}.crumbs li+li:before{content:"/";margin-right:6px;color:#cbd5e1}.crumbs a{color:var(--text)}
.phead{background:var(--gray);padding:44px 0 40px;margin-bottom:0}.phead h1{font-size:clamp(1.9rem,4.5vw,2.8rem);color:var(--navy);margin:8px 0 12px;letter-spacing:-.02em;line-height:1.15}.phead p{color:var(--text);max-width:44em;margin:0}
.art-head{padding:8px 0 28px}.art-head h1{font-size:clamp(1.9rem,4.6vw,3rem);line-height:1.13;color:var(--navy);letter-spacing:-.025em;margin:10px 0 16px}
.art-head .intro{font-size:1.2rem;color:#475569;max-width:44em;margin:0 0 18px}
.byline{font-size:.88rem;color:var(--text);display:flex;flex-wrap:wrap;gap:6px 16px}.byline b{color:var(--navy)}
.cover{border-radius:var(--r);overflow:hidden;margin:6px 0 32px}.cover img{width:100%;aspect-ratio:1200/630;object-fit:cover}
.art-layout{display:grid;grid-template-columns:260px minmax(0,720px);gap:56px;justify-content:center;padding-bottom:40px}
@media(max-width:980px){.art-layout{grid-template-columns:1fr;gap:20px}}
.toc{position:sticky;top:90px;align-self:start;font-size:.9rem;border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;background:var(--gray)}
.toc strong{display:block;color:var(--navy);margin-bottom:8px}.toc ol{margin:0;padding-left:18px}.toc li{margin:6px 0}.toc a{text-decoration:none;color:#475569}.toc a:hover{color:var(--em-d)}
@media(max-width:980px){.toc{position:static}.toc summary{cursor:pointer;font-weight:700;color:var(--navy)}}
.prose{font-size:1.08rem;line-height:1.8;color:#334155}.prose h2{color:var(--navy);font-size:1.7rem;line-height:1.25;margin:2.2em 0 .6em;letter-spacing:-.015em;scroll-margin-top:90px}.prose h3{color:var(--navy);font-size:1.3rem;margin:1.8em 0 .5em;scroll-margin-top:90px}
.prose p{margin:0 0 1.2em}.prose ul,.prose ol{margin:0 0 1.3em;padding-left:1.3em}.prose li{margin:.4em 0}
.prose .note{background:#ecfdf5;border-left:4px solid var(--em);padding:16px 20px;border-radius:0 10px 10px 0;margin:1.6em 0;font-size:1rem}
.prose .example{background:var(--gray);border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:1.6em 0;font-size:1rem}.prose .example strong:first-child{color:var(--navy)}
.tw{overflow-x:auto;margin:1.6em 0;border:1px solid var(--line);border-radius:12px}.prose table{border-collapse:collapse;width:100%;font-size:.95rem;min-width:520px}
.prose th{background:var(--navy);color:#fff;text-align:left;padding:12px 14px}.prose td{padding:12px 14px;border-top:1px solid var(--line);vertical-align:top}.prose tr:nth-child(even) td{background:var(--gray)}
.disclaimer{font-size:.9rem;color:var(--text);background:var(--gray);border-radius:12px;padding:16px 20px;margin:2em 0}
.refs{font-size:.95rem}.refs li{margin:.5em 0}
.related{background:var(--gray);padding:56px 0}
.ad-slot{display:none}
.site-footer{background:var(--navy);color:#cbd5e1;padding:56px 0 28px;font-size:.93rem}
.site-footer .logo{color:#fff}.site-footer .logo span b{color:var(--em)}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px}@media(max-width:760px){.fgrid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;margin:0 0 12px;font-size:.95rem}.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin:8px 0}.site-footer a{color:#cbd5e1;text-decoration:none}.site-footer a:hover{color:var(--em)}
.copy{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;font-size:.82rem;color:#94a3b8}
.form{display:grid;gap:16px;max-width:620px}.form label{font-weight:600;color:var(--navy);display:grid;gap:6px;font-size:.95rem}
.form input,.form textarea,.form select{font:inherit;padding:13px 14px;border:1px solid #cbd5e1;border-radius:10px;width:100%}.form input:focus,.form textarea:focus{outline:2px solid var(--em);border-color:var(--em)}
.hp{position:absolute;left:-9999px}.msg{padding:14px 16px;border-radius:10px;display:none}.msg.ok{display:block;background:#ecfdf5;color:#065f46}.msg.err{display:block;background:#fef2f2;color:#991b1b}
.legal{max-width:760px}.legal h2{color:var(--navy);margin:1.8em 0 .5em;font-size:1.45rem}
.nf{text-align:center;padding:100px 0}.nf h1{font-size:4rem;color:var(--navy);margin:0}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.cc{position:fixed;left:12px;right:12px;bottom:12px;z-index:60;max-width:920px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 12px 40px rgba(16,29,53,.22);padding:18px 20px}
.cc[hidden]{display:none}.cc-in{display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}.cc-in p{margin:4px 0 0;font-size:.9rem;color:#475569;max-width:46em}
.cc-b{display:flex;gap:10px;flex-wrap:wrap}.cc .btn{padding:11px 18px;font-size:.92rem}.btn.ghost-d{background:#fff;color:var(--navy);border:1px solid #cbd5e1;box-shadow:none}
@media(max-width:600px){.cc-b{width:100%}.cc-b .btn{flex:1}}