:root{--blue:#142bdc;--blue2:#0b1c8e;--green:#16b91b;--ink:#102033;--muted:#5c6b7a;--line:#e4e9f0;--soft:#f6f8fc;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:1120px;margin:auto;padding:0 24px}.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo{display:flex;align-items:center;gap:10px;font-weight:900;color:var(--ink)}.logo img{height:36px;width:auto}.links{display:flex;gap:22px;align-items:center;flex-wrap:wrap;font-size:14px;font-weight:700}.btn{display:inline-flex;align-items:center;justify-content:center;padding:11px 16px;border-radius:10px;background:var(--blue);color:#fff!important;font-weight:800;text-decoration:none!important}.btn.alt{background:#fff;color:var(--blue)!important;border:1px solid #cfd7e5}.hero{background:linear-gradient(180deg,#f7f9ff 0,#fff 100%);padding:88px 0 70px;border-bottom:1px solid var(--line)}.eyebrow{display:inline-block;color:var(--blue);font-size:12px;font-weight:900;letter-spacing:.11em;text-transform:uppercase}.hero h1{font-size:clamp(42px,6vw,72px);line-height:1.02;letter-spacing:-.055em;margin:16px 0 20px;max-width:900px}.lead{font-size:20px;color:var(--muted);max-width:780px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.section{padding:72px 0}.section.soft{background:var(--soft)}h2{font-size:clamp(30px,4vw,46px);letter-spacing:-.035em;line-height:1.12;margin:0 0 16px}h3{font-size:20px;line-height:1.3;margin:0 0 10px}.intro{max-width:760px;color:var(--muted);margin-bottom:30px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:18px;padding:24px;background:#fff}.card p{color:var(--muted);margin:8px 0 0}.tag{display:inline-block;padding:5px 9px;border-radius:999px;background:#eef2ff;color:var(--blue);font-size:12px;font-weight:800}.article{max-width:820px;margin:auto;padding:70px 24px}.article h1{font-size:clamp(38px,6vw,62px);line-height:1.05;letter-spacing:-.045em;margin:14px 0 18px}.article h2{font-size:30px;margin-top:42px}.article h3{margin-top:28px}.article p,.article li{font-size:17px;color:#344253}.article .meta{font-size:14px;color:#6b7785;border-bottom:1px solid var(--line);padding-bottom:18px;margin-bottom:30px}.callout{border-left:4px solid var(--blue);background:#f4f6ff;padding:18px 20px;border-radius:0 12px 12px 0;margin:28px 0}.footer{background:#08142d;color:#b9c5d6;padding:50px 0 28px;margin-top:40px}.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}.footer h3{color:#fff}.footer a{color:#dbe5ff}.legal{border-top:1px solid #24314b;margin-top:30px;padding-top:20px;font-size:13px}.breadcrumbs{font-size:13px;color:#728093;margin-top:26px}.notice{background:#fffbe8;border:1px solid #f1df91;border-radius:12px;padding:16px 18px;color:#5d5125}.list-clean{padding-left:20px}.kpi{font-weight:900;color:var(--blue);font-size:26px}.small{font-size:14px;color:var(--muted)}@media(max-width:820px){.links{display:none}.grid2,.grid3,.footgrid{grid-template-columns:1fr}.hero{padding:64px 0}.section{padding:56px 0}.lead{font-size:18px}}