:root {
  --ink: #102a43;
  --ink-2: #243b53;
  --teal: #147d80;
  --teal-dark: #0f5f61;
  --blue: #4a90a4;
  --paper: #f7f8f5;
  --white: #ffffff;
  --slate: #334e68;
  --muted: #627d98;
  --line: #d9e2ec;
  --soft: #e8f1f2;
  --soft-blue: #edf4f7;
  --green: #2f855a;
  --amber: #9c6b16;
  --danger: #a33a3a;
  --shadow: 0 14px 40px rgba(16, 42, 67, .08);
  --radius: 18px;
  --radius-sm: 11px;
  --max: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink-2);
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--teal-dark); text-underline-offset: 3px; }
a:hover { color: var(--ink); }
img, svg { max-width: 100%; }
button, input, select { font: inherit; }
button { cursor: pointer; }
.skip-link {
  position: absolute; left: 10px; top: -80px; z-index: 9999;
  background: var(--ink); color: white; padding: 10px 14px; border-radius: 8px;
}
.skip-link:focus { top: 10px; }
.site-header {
  background: rgba(247,248,245,.96);
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 100;
  backdrop-filter: blur(12px);
}
.header-inner {
  max-width: var(--max); margin: 0 auto; padding: 14px 24px;
  display: flex; align-items: center; justify-content: space-between; gap: 22px;
}
.brand {
  display: inline-flex; align-items: center; gap: 0;
  text-decoration: none; color: var(--ink); font-weight: 800; letter-spacing: -.03em;
  font-size: 22px; line-height: 1.1;
}
.brand-mark {
  width: 38px; height: 38px; border-radius: 12px;
  display: grid; place-items: center; background: var(--ink); color: white;
  font-size: 25px; font-weight: 800; box-shadow: var(--shadow);
}
.brand .accent { color: var(--teal); }
.nav { display: flex; align-items: center; gap: 20px; }
.nav a { text-decoration: none; color: var(--ink-2); font-size: 15px; font-weight: 650; }
.nav a:hover { color: var(--teal-dark); }
.nav-cta {
  background: var(--teal); color: white !important; padding: 9px 14px; border-radius: 999px;
}
.menu-btn { display: none; border: 1px solid var(--line); background: white; border-radius: 10px; padding: 8px 10px; color: var(--ink); }
.notice-bar {
  background: var(--ink); color: white; font-size: 14px;
}
.notice-inner {
  max-width: var(--max); margin: 0 auto; padding: 8px 24px;
  display: flex; gap: 18px; align-items: center; justify-content: center; flex-wrap: wrap;
}
.notice-inner span::before { content: "✓"; margin-right: 7px; color: #8fe3d4; font-weight: 800; }
main { min-height: 60vh; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.hero {
  padding: 74px 0 58px;
  background:
    radial-gradient(circle at 88% 18%, rgba(20,125,128,.14), transparent 31%),
    radial-gradient(circle at 5% 90%, rgba(74,144,164,.12), transparent 30%),
    linear-gradient(180deg, #fff, var(--paper));
}
.hero-grid { display: grid; grid-template-columns: 1.25fr .75fr; gap: 56px; align-items: center; }
.eyebrow {
  display: inline-block; font-size: 13px; text-transform: uppercase; letter-spacing: .12em;
  color: var(--teal-dark); font-weight: 800; margin-bottom: 12px;
}
h1, h2, h3 { color: var(--ink); letter-spacing: -.035em; line-height: 1.14; }
h1 { font-size: clamp(42px, 6vw, 70px); margin: 0 0 20px; }
h2 { font-size: clamp(30px, 4vw, 44px); margin: 0 0 18px; }
h3 { font-size: 24px; margin: 0 0 10px; }
.lead { font-size: 21px; color: var(--slate); max-width: 760px; }
.actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 13px 19px; border-radius: 999px; border: 1px solid transparent;
  text-decoration: none; font-weight: 750; font-size: 16px;
}
.btn-primary { background: var(--teal); color: white; }
.btn-primary:hover { background: var(--teal-dark); color: white; }
.btn-secondary { background: white; border-color: var(--line); color: var(--ink); }
.btn-secondary:hover { border-color: var(--blue); color: var(--ink); }
.hero-note {
  margin: 14px 0 0; color: var(--muted); font-size: 14px; max-width: 720px;
}
.hero-card {
  background: white; border: 1px solid var(--line); border-radius: 24px; padding: 28px;
  box-shadow: var(--shadow);
}
.hero-card .question {
  width: 72px; height: 72px; border-radius: 22px; background: var(--soft);
  display: grid; place-items: center; color: var(--teal-dark); font-weight: 900; font-size: 44px;
  margin-bottom: 20px;
}
.hero-card ul { padding-left: 20px; margin-bottom: 0; }
.section { padding: 68px 0; }
.section-white { background: white; }
.section-soft { background: var(--soft-blue); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
.card {
  background: white; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px;
  box-shadow: 0 10px 30px rgba(16,42,67,.04);
}
.card h3 { font-size: 22px; }
.card p:last-child { margin-bottom: 0; }
.card-link { text-decoration: none; color: inherit; transition: transform .16s ease, box-shadow .16s ease; }
.card-link:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.icon {
  width: 44px; height: 44px; border-radius: 13px; background: var(--soft);
  display: grid; place-items: center; color: var(--teal-dark); font-size: 21px; font-weight: 850; margin-bottom: 18px;
}
.trust-panel {
  border: 1px solid #b7d8d8; background: #f1f8f7; border-radius: var(--radius);
  padding: 22px 24px;
}
.warning-panel {
  border-left: 5px solid var(--amber); background: #fff9eb; border-radius: var(--radius-sm);
  padding: 18px 20px;
}
.urgent-panel {
  border-left: 5px solid var(--danger); background: #fff3f2; border-radius: var(--radius-sm);
  padding: 18px 20px;
}
.page-head { padding: 58px 0 35px; background: linear-gradient(180deg,#fff,var(--paper)); border-bottom: 1px solid var(--line); }
.page-head h1 { font-size: clamp(38px, 5vw, 58px); max-width: 900px; }
.page-head .lead { max-width: 850px; }
.breadcrumbs { font-size: 14px; color: var(--muted); margin-bottom: 18px; }
.breadcrumbs a { color: var(--muted); }
.article-wrap { max-width: 850px; margin: 0 auto; padding: 52px 24px 70px; }
.article-wrap h2 { margin-top: 46px; font-size: 34px; }
.article-wrap h3 { margin-top: 32px; }
.article-wrap p, .article-wrap li { font-size: 18px; }
.article-wrap ul, .article-wrap ol { padding-left: 24px; }
.fact-box {
  border: 1px solid var(--line); background: white; padding: 22px 24px; border-radius: var(--radius); margin: 26px 0;
}
.fact-box strong:first-child { color: var(--ink); }
.meta-row {
  display: flex; gap: 16px; flex-wrap: wrap; color: var(--muted); font-size: 14px; margin-top: 22px;
}
.source-list { padding-left: 0 !important; list-style: none; }
.source-list li {
  padding: 14px 0; border-bottom: 1px solid var(--line);
}
.source-list small { display: block; color: var(--muted); }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: white; margin: 26px 0; }
table { width: 100%; border-collapse: collapse; min-width: 640px; }
th, td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { color: var(--ink); background: #f4f7f8; }
.tool-shell {
  max-width: 900px; margin: 40px auto 70px; background: white; border: 1px solid var(--line);
  border-radius: 24px; padding: 28px; box-shadow: var(--shadow);
}
.tool-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 7px; }
.field label { font-weight: 700; color: var(--ink); }
.field input, .field select {
  width: 100%; border: 1px solid #bcccdc; border-radius: 11px; padding: 12px 13px; background: white; color: var(--ink);
}
.field input:focus, .field select:focus, button:focus, a:focus {
  outline: 3px solid rgba(20,125,128,.25); outline-offset: 2px;
}
.result {
  margin-top: 24px; background: #f4f8f8; border: 1px solid #c8e2e1; border-radius: var(--radius); padding: 22px;
}
.result[hidden] { display: none; }
.result-big { font-size: 30px; color: var(--ink); font-weight: 850; letter-spacing: -.03em; }
.kpi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 16px; }
.kpi { background: white; border: 1px solid var(--line); border-radius: 12px; padding: 15px; }
.kpi span { display: block; color: var(--muted); font-size: 13px; }
.kpi strong { display: block; color: var(--ink); font-size: 20px; margin-top: 4px; }
.site-footer { background: var(--ink); color: #d9e2ec; padding: 54px 0 30px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 34px; }
.site-footer h3 { color: white; font-size: 18px; }
.site-footer a { color: #e6fffb; }
.footer-links { display: grid; gap: 8px; }
.footer-legal { margin-top: 36px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.14); font-size: 13px; color: #bcccdc; }
.tag { display: inline-flex; padding: 5px 9px; border-radius: 999px; background: var(--soft); color: var(--teal-dark); font-size: 12px; font-weight: 750; }
.callout-row { display: flex; gap: 10px; flex-wrap: wrap; margin: 20px 0; }
.no-js { padding: 12px; background: #fff9eb; border: 1px solid #f2d59d; border-radius: 10px; }
@media (max-width: 860px) {
  .hero-grid, .grid-3, .grid-2, .footer-grid, .tool-grid { grid-template-columns: 1fr; }
  .hero { padding-top: 48px; }
  .nav { display: none; position: absolute; left: 18px; right: 18px; top: 72px; padding: 18px; background: white; border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow); flex-direction: column; align-items: stretch; }
  .nav.open { display: flex; }
  .menu-btn { display: inline-flex; }
  .kpi-grid { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .header-inner, .wrap { padding-left: 18px; padding-right: 18px; }
  .brand { font-size: 18px; }
  .brand-mark { width: 34px; height: 34px; }
  .notice-inner { padding-left: 18px; padding-right: 18px; justify-content: flex-start; }
  .article-wrap { padding-left: 18px; padding-right: 18px; }
  .tool-shell { border-radius: 0; border-left: 0; border-right: 0; padding-left: 18px; padding-right: 18px; }
}
@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto !important; transition: none !important; }
}
@media print {
  .site-header, .notice-bar, .actions, .callout-row, .menu-btn { display: none !important; }
  body, .hero, .section, .section-white, .section-soft, .page-head, .site-footer {
    background: #fff !important; color: #000 !important;
  }
  .hero { padding-top: 24px; }
  h1, h2, h3, p, li, .lead, .eyebrow, .hero-note, .site-footer, .site-footer a, .footer-legal {
    color: #000 !important;
  }
  .hero-card, .card, .trust-panel, .article-card, .tool-shell {
    box-shadow: none !important; background: #fff !important; break-inside: avoid;
  }
  a { color: #000 !important; text-decoration: underline; }
  .site-footer { border-top: 1px solid #ccc; }
}