:root {
  --bg: #0f2742;
  --bg-2: #14385d;
  --accent: #f5b800;
  --accent-2: #1476d4;
  --page: #f6f8fb;
  --card: #ffffff;
  --text: #142033;
  --muted: #56657a;
  --border: #dfe6ef;
  --soft: #eef5ff;
  --warning: #fff7e0;
  --success: #eaf9f0;
  --wrap: 1180px;
  --wide: 1480px;
  --shadow: 0 10px 28px rgba(15, 39, 66, .08);
  --radius: 18px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--page); color: var(--text); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; line-height: 1.65; }
a { color: #0f62b3; text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: #0a477f; }
img { max-width: 100%; height: auto; }
.site-header { background: #fff; border-bottom: 1px solid var(--border); position: sticky; top: 0; z-index: 20; }
.header-inner { max-width: var(--wide); margin: 0 auto; padding: .85rem clamp(1rem, 3vw, 2rem); display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.brand { display: inline-flex; align-items: center; gap: .75rem; color: var(--text); text-decoration: none; min-width: 230px; }
.brand-mark { width: 46px; height: 46px; border-radius: 14px; background: linear-gradient(135deg, var(--bg), var(--accent-2)); color: #fff; display: inline-grid; place-items: center; font-weight: 800; letter-spacing: .03em; }
.brand-name { display:block; font-weight: 800; font-size: 1.06rem; }
.brand-tagline { display:block; color: var(--muted); font-size: .86rem; line-height: 1.25; }
.site-nav { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: .25rem .45rem; }
.site-nav a { color: var(--text); text-decoration: none; padding: .5rem .7rem; border-radius: 999px; font-weight: 650; font-size: .92rem; }
.site-nav a:hover, .site-nav a[aria-current="page"] { background: var(--soft); color: #08385f; }
.article-header { background: linear-gradient(180deg, #eaf4ff, #fff); border-bottom: 1px solid var(--border); }
.content, .content-wide, .wrap-wide { margin: 0 auto; padding: clamp(1.25rem, 3vw, 2.4rem); }
.content { max-width: 920px; }
.content-wide { max-width: var(--wrap); }
.wrap-wide { max-width: var(--wide); }
.section { padding: clamp(1rem, 3vw, 2.2rem) 0; }
.section-tight { padding: clamp(.8rem, 2vw, 1.4rem) 0; }
h1, h2, h3 { line-height: 1.18; color: #10243b; margin: 0 0 .85rem; }
h1 { font-size: clamp(2rem, 4vw, 3.7rem); letter-spacing: -.03em; }
h2 { font-size: clamp(1.45rem, 2.4vw, 2.25rem); letter-spacing: -.02em; }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1rem; }
.lead { font-size: clamp(1.08rem, 1.6vw, 1.3rem); color: #30445d; }
.kicker, .label, .ad-label { text-transform: uppercase; letter-spacing: .09em; font-size: .78rem; font-weight: 800; color: #5d4a00; margin-bottom: .35rem; }
.center { text-align: center; }
.mt-1 { margin-top: 1rem; }
.mt-2 { margin-top: 2rem; }
.small { color: var(--muted); font-size: .92rem; }
.breadcrumbs ol { display:flex; flex-wrap:wrap; gap:.35rem; list-style:none; margin: 0 0 1rem; padding:0; color: var(--muted); font-size:.92rem; }
.breadcrumbs li:not(:last-child)::after { content: "/"; margin-left:.35rem; color:#8a98aa; }
.disclosure-box, .callout, .tool-panel, .calculator, .ad-card { border: 1px solid var(--border); border-radius: var(--radius); background: #fff; padding: clamp(1rem, 2vw, 1.5rem); box-shadow: var(--shadow); }
.disclosure-box { background: #fffdf5; border-color: #efd98a; }
.callout { background: var(--soft); }
.callout-warning { background: var(--warning); border-color: #efd98a; }
.card { background: var(--card); border: 1px solid var(--border); border-radius: var(--radius); padding: clamp(1rem, 2vw, 1.4rem); box-shadow: var(--shadow); }
.card-link { color: var(--text); display: block; text-decoration: none; transition: transform .15s ease, box-shadow .15s ease; }
.card-link:hover { color: var(--text); transform: translateY(-2px); box-shadow: 0 15px 34px rgba(15,39,66,.12); }
.card-footer { display:inline-block; margin-top:.6rem; font-weight:800; color:#0f62b3; }
.grid, .auto-grid, .split { display:grid; gap: clamp(1rem, 2vw, 1.35rem); }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.auto-grid { grid-template-columns: repeat(auto-fit, minmax(min(270px, 100%), 1fr)); }
.split { grid-template-columns: minmax(0, 1.45fr) minmax(300px, .75fr); align-items:start; }
.btn { display:inline-flex; align-items:center; justify-content:center; border:0; border-radius:999px; background: var(--accent-2); color:#fff; padding:.82rem 1.1rem; text-decoration:none; font-weight:800; cursor:pointer; }
.btn:hover { background:#0d5ea9; color:#fff; }
.btn-secondary { background:#fff; color:#0f62b3; border:1px solid #b9d6f4; }
.btn-secondary:hover { background:#eef6ff; color:#0a477f; }
.checklist-list { list-style:none; padding:0; margin:0; }
.checklist-list li { margin:.55rem 0; padding-left:1.65rem; position:relative; }
.checklist-list li::before { content:"✓"; position:absolute; left:0; top:0; font-weight:900; color:#0c7a43; }
.table-wrap { overflow-x:auto; border:1px solid var(--border); border-radius: 16px; background:#fff; box-shadow: var(--shadow); }
.compare-table { width:100%; border-collapse: collapse; min-width: 720px; }
.compare-table th, .compare-table td { padding: .9rem 1rem; border-bottom:1px solid var(--border); text-align:left; vertical-align:top; }
.compare-table th { background:#eef5ff; color:#10243b; font-weight:800; }
.compare-table tr:last-child td { border-bottom:0; }
.form-grid { display:grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap:1rem; }
.form-row label { display:block; font-weight:800; margin-bottom:.35rem; }
.form-row input, .form-row select, .form-row textarea { width:100%; padding:.8rem .85rem; border:1px solid #b9c7d8; border-radius:12px; font:inherit; background:#fff; }
.result-box { margin-top:1rem; padding:1rem; border-radius:14px; background:#f4f9ff; border:1px solid #cfe3f8; }
.article-body h2 { margin-top:2.2rem; }
.article-body h2:first-child { margin-top:0; }
.article-body ul, .article-body ol { padding-left:1.35rem; }
.article-body li { margin:.45rem 0; }
.link-list { display:flex; flex-wrap:wrap; gap:.6rem; margin:1rem 0 0; }
.link-list a { text-decoration:none; background:#fff; border:1px solid #cfe3f8; padding:.65rem .85rem; border-radius:999px; font-weight:800; }
.site-footer { background: var(--bg); color:#e9f3ff; margin-top:2rem; }
.site-footer a { color:#fff; }
.footer-inner { max-width:var(--wide); margin:0 auto; padding: clamp(1.5rem, 3vw, 2.4rem); display:grid; grid-template-columns: minmax(0, 1fr) minmax(280px, .75fr); gap:2rem; }
.site-footer h2, .site-footer h3 { color:#fff; }
.footer-links { display:flex; flex-wrap:wrap; gap:.5rem; }
.footer-links a { background: rgba(255,255,255,.09); text-decoration:none; padding:.45rem .65rem; border-radius:999px; }
.footer-bottom { color:#cfe0f5; }
@media (max-width: 980px) { .header-inner, .split, .footer-inner { grid-template-columns:1fr; display:grid; } .site-nav { justify-content:flex-start; } .grid-3, .grid-4, .grid-2 { grid-template-columns:1fr; } .brand { min-width:0; } }
@media print { .site-header, .site-footer, .disclosure-box, .ad-card { display:none; } body { background:#fff; } .card, .tool-panel, .calculator, .table-wrap { box-shadow:none; } }