:root{
  --bg:#f6f8fb;--paper:#fff;--text:#172033;--muted:#647084;--line:#e4e9f2;
  --blue:#12355b;--blue2:#1e6098;--green:#14b8a6;--green2:#e8fbf8;--soft:#eef6ff;
  --orange:#fff7ed;--shadow:0 18px 44px rgba(18,53,91,.10);--radius:24px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.68}
a{color:inherit;text-decoration:none}.wrap{max-width:1160px;margin:0 auto;padding:0 22px}
header{position:sticky;top:0;z-index:20;background:rgba(246,248,251,.92);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}
.nav{height:74px;display:flex;align-items:center;justify-content:space-between;gap:18px}
.logo{display:flex;align-items:center;gap:10px;font-size:24px;font-weight:950;letter-spacing:-.045em}
.logo-mark{width:40px;height:40px;border-radius:14px;background:linear-gradient(135deg,var(--blue),var(--green));display:grid;place-items:center;color:#fff;box-shadow:0 12px 24px rgba(18,53,91,.25)}
.menu{display:flex;gap:20px;color:var(--muted);font-weight:750;font-size:15px}.menu a:hover{color:var(--blue)}
.cta{display:inline-flex;align-items:center;gap:8px;background:var(--blue);color:#fff;padding:12px 16px;border-radius:999px;font-weight:900}
.hero{padding:76px 0 44px;background:radial-gradient(circle at top right,rgba(20,184,166,.18),transparent 36%),linear-gradient(180deg,#fff,rgba(255,255,255,0))}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:42px;align-items:center}
.badge{display:inline-flex;align-items:center;gap:8px;background:#eaf2ff;color:#1d4ed8;padding:8px 12px;border-radius:999px;font-weight:900;font-size:14px;margin-bottom:18px}
h1{font-size:clamp(42px,6.5vw,76px);line-height:.95;letter-spacing:-.075em;margin:0 0 18px}.lead{font-size:20px;color:var(--muted);max-width:700px;margin:0 0 26px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin:0 0 22px}.btn{display:inline-flex;align-items:center;gap:9px;padding:15px 20px;border-radius:16px;border:1px solid var(--line);font-weight:900;background:#fff;box-shadow:0 10px 24px rgba(18,53,91,.06)}
.btn.primary{background:linear-gradient(135deg,var(--blue),var(--blue2));color:#fff;border-color:transparent}.btn.green{background:linear-gradient(135deg,var(--green),#0d9488);color:#fff;border-color:transparent}
.trust{display:flex;gap:16px;flex-wrap:wrap;color:var(--muted);font-size:14px;font-weight:750}.trust span{display:flex;gap:6px;align-items:center}
.panel,.hero-card,.content,.toc{background:var(--paper);border:1px solid var(--line);border-radius:30px;box-shadow:var(--shadow)}
.hero-card{padding:24px}.why-card{background:linear-gradient(135deg,#12355b,#0f2742);border-radius:24px;color:#fff;padding:26px}.why-card h2{font-size:30px;color:#fff;margin-bottom:16px}.why-list{display:grid;gap:12px}.why-item{display:flex;gap:10px;align-items:flex-start;color:#d9e6f2;font-weight:650}.why-item b{color:#fff}
.mini-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:16px}.mini{border:1px solid var(--line);border-radius:18px;padding:16px;background:#fff}.mini strong{display:block;font-size:26px;letter-spacing:-.04em}.mini span{color:var(--muted);font-size:14px}
section{padding:46px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:22px}
h2{font-size:clamp(30px,4vw,46px);line-height:1.05;letter-spacing:-.06em;margin:0}.section-head p{max-width:590px;color:var(--muted);margin:0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 12px 30px rgba(18,53,91,.045)}
.icon{width:50px;height:50px;border-radius:17px;background:var(--soft);display:grid;place-items:center;font-size:25px;margin-bottom:14px}.card h3{margin:0 0 8px;font-size:21px;letter-spacing:-.025em}.card p{margin:0 0 14px;color:var(--muted)}.link{font-weight:900;color:var(--blue2)}
.quick-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:12px}.quick{background:#fff;border:1px solid var(--line);border-radius:20px;padding:18px;text-align:center;box-shadow:0 10px 26px rgba(18,53,91,.04);font-weight:900}.quick span{display:block;font-size:26px;margin-bottom:8px}
.feature{display:grid;grid-template-columns:.9fr 1.1fr;gap:20px;background:#fff;border:1px solid var(--line);border-radius:32px;padding:24px;box-shadow:var(--shadow)}.choice{background:linear-gradient(135deg,#eef6ff,#ecfeff);border-radius:26px;padding:28px}.choice h3{font-size:30px;line-height:1.05;letter-spacing:-.045em;margin:0 0 10px}.steps{display:grid;gap:12px}.step{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:18px;padding:15px}.step-num{width:34px;height:34px;border-radius:12px;background:var(--green2);display:grid;place-items:center;font-weight:950;color:#0f766e;flex:0 0 34px}.step b{display:block}.step span{color:var(--muted);font-size:14px}
.articles{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.article{background:#fff;border:1px solid var(--line);border-radius:22px;padding:20px;display:flex;gap:16px;align-items:flex-start}.article-num{flex:0 0 42px;width:42px;height:42px;border-radius:15px;background:#f1f5f9;display:grid;place-items:center;font-weight:950;color:#475569}.article h3{font-size:18px;margin:0 0 5px;letter-spacing:-.02em}.article p{margin:0;color:var(--muted);font-size:14px}
.notice{background:var(--orange);border:1px solid #fed7aa;border-radius:24px;padding:22px;color:#7c2d12}.notice strong{color:#431407}
.footer-cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:24px}
.article-hero{padding:46px 0 10px}.breadcrumb{color:var(--muted);font-size:14px;margin-bottom:14px}.breadcrumb a{font-weight:900;color:var(--blue2)}
.article-layout{display:grid;grid-template-columns:minmax(0,760px) 320px;gap:34px;align-items:start}.content{padding:34px}.content h1{font-size:clamp(36px,5vw,58px)}.content h2{font-size:32px;margin:42px 0 12px}.content p,.content li{color:#3e4a5e}.content .intro{font-size:20px;color:var(--muted)}
.summary-box{background:#f8fafc;border:1px solid var(--line);border-radius:22px;padding:20px;margin:24px 0}.summary-box strong{display:block;margin-bottom:8px}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:18px;margin:20px 0}table{width:100%;border-collapse:collapse;background:#fff;min-width:620px}th,td{text-align:left;padding:14px;border-bottom:1px solid var(--line)}th{background:#f8fafc;color:#334155}tr:last-child td{border-bottom:0}
.toc{position:sticky;top:94px;padding:20px}.toc strong{display:block;margin-bottom:10px}.toc a{display:block;color:var(--muted);padding:8px 0;border-bottom:1px solid #f1f5f9;font-size:14px}.toc .small-cta{margin-top:14px;display:block;text-align:center;background:var(--blue);color:#fff;border-radius:14px;padding:12px;font-weight:900}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
footer{padding:46px 0;color:var(--muted);border-top:1px solid var(--line);margin-top:36px}footer h3{margin:0 0 10px;color:var(--text);font-size:17px}footer a{display:block;margin:6px 0;color:var(--muted)}
@media(max-width:980px){.menu,.cta{display:none}.hero-grid,.feature,.article-layout,.footer-cols{grid-template-columns:1fr}.cards,.articles,.related{grid-template-columns:1fr}.quick-grid{grid-template-columns:repeat(2,1fr)}.section-head{display:block}.toc{position:static}.content{padding:24px}.hero{padding-top:46px}}