:root{
  --bg:#F4F6F8;--surface:#FFFFFF;--surface-soft:#F8FAFC;
  --text:#2D3748;--muted:#667085;--blue:#1A365D;--green:#2F855A;
  --green-soft:#E5F3EA;--line:#D6DEE7;--shadow:0 12px 34px rgba(26,54,93,.08);
  --radius:20px;--max:1180px;--reading:760px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px}
body{margin:0;background:var(--bg);color:var(--text);font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:18px;line-height:1.75;-webkit-font-smoothing:antialiased}
body.menu-open{overflow:hidden}
a{color:var(--green);text-decoration-thickness:1px;text-underline-offset:3px}
button,input{font:inherit}
.container{width:min(calc(100% - 32px),var(--max));margin-inline:auto}
.skip{position:fixed;top:8px;left:8px;z-index:9999;padding:10px 14px;background:var(--blue);color:#fff;border-radius:9px;transform:translateY(-140%);text-decoration:none}
.skip:focus{transform:none}
.site-header{position:sticky;top:0;z-index:1000;background:rgba(248,250,252,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:18px}
.brand{display:inline-flex;align-items:center;gap:10px;color:var(--blue);font-weight:900;letter-spacing:.08em;text-decoration:none}
.mark{width:36px;height:36px;display:grid;place-items:center;background:linear-gradient(135deg,var(--blue),var(--green));color:#fff;border-radius:11px}
.nav{display:flex;align-items:center;gap:4px}
.nav a{padding:9px 10px;color:var(--blue);text-decoration:none;font-size:.9rem;font-weight:750;border-radius:9px}
.nav a:hover{background:#E9EFF5}
.nav .cta{background:var(--green);color:#fff}
.menu-btn{display:none;width:46px;height:46px;border:1px solid var(--line);background:#fff;color:var(--blue);border-radius:11px;cursor:pointer}
.article-hero{padding:44px 0 34px}
.breadcrumbs{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:20px;color:var(--muted);font-size:.85rem}
.breadcrumbs a{color:var(--green)}
.kicker{margin:0 0 10px;color:var(--green);font-size:.76rem;font-weight:900;letter-spacing:.12em;text-transform:uppercase}
.article-hero h1{margin:0;color:var(--blue);font-size:clamp(2.25rem,6vw,4.4rem);line-height:1.04;letter-spacing:-.04em;max-width:980px}
.lead{max-width:850px;margin:20px 0 0;color:#536274;font-size:clamp(1.05rem,2vw,1.22rem)}
.meta{display:flex;flex-wrap:wrap;gap:9px;margin-top:18px;color:var(--muted);font-size:.84rem}
.section{padding:36px 0 88px}
.article-layout{display:grid;gap:36px;align-items:start}
.article-body{min-width:0;max-width:var(--reading)}
.article-body>p{margin:0 0 1.25em}
.article-body h2{margin:2.05em 0 .72em;color:var(--blue);font-size:clamp(1.5rem,3vw,2.12rem);line-height:1.2;letter-spacing:-.02em}
.article-body h3{margin:1.55em 0 .55em;color:var(--blue);font-size:1.2rem}
.article-body ul,.article-body ol{padding-left:1.3em;margin:0 0 1.35em}
.article-body li+li{margin-top:.45em}
.article-body section{scroll-margin-top:90px}
.checklist{margin:30px 0;padding:22px;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow)}
.checklist h2{margin-top:0}
.toc{padding:20px;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow)}
.toc strong{display:block;margin-bottom:8px;color:var(--blue)}
.toc a{display:block;padding:6px 0;color:#536274;text-decoration:none;font-size:.9rem}
.toc a:hover{color:var(--green)}
.related{margin-top:50px;padding-top:30px;border-top:1px solid var(--line)}
.article-grid{display:grid;gap:13px}
.card{padding:18px;background:#fff;border:1px solid var(--line);border-radius:15px}
.card .cat{color:var(--green);font-size:.75rem;font-weight:850;text-transform:uppercase}
.card h3{margin:7px 0;color:var(--blue);font-size:1.05rem;line-height:1.3}
.card .more{color:var(--green);font-weight:850;text-decoration:none}
.ad-slot{display:none!important}
.footer{padding:50px 0 24px;background:#14263B;color:#C5D1DD}
.footer-grid{display:grid;gap:26px}
.footer .brand{color:#fff}
.footer p,.footer a{color:#B8C5D1}
.footer-nav{display:flex;flex-direction:column;align-items:flex-start;gap:8px}
.footer-bottom{display:flex;flex-direction:column;gap:8px;margin-top:30px;padding-top:17px;border-top:1px solid rgba(255,255,255,.1);color:#93A4B5;font-size:.82rem}
:focus-visible{outline:3px solid rgba(47,133,90,.35);outline-offset:3px}
@media(min-width:900px){
  .article-layout{grid-template-columns:minmax(0,760px) 270px;justify-content:center}
  .article-body{grid-column:1;grid-row:1}
  .toc{grid-column:2;grid-row:1;position:sticky;top:94px}
  .article-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .footer-grid{grid-template-columns:1.2fr .8fr .8fr}
  .footer-bottom{flex-direction:row;justify-content:space-between}
}
@media(max-width:760px){
  body{font-size:17px}
  .menu-btn{display:grid;place-items:center}
  .nav{position:fixed;inset:72px 0 auto 0;display:none;flex-direction:column;align-items:stretch;padding:14px 16px 22px;background:#F8FAFC;border-bottom:1px solid var(--line)}
  .nav.open{display:flex}
  .article-hero{padding-top:34px}
}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition-duration:.01ms!important}}