:root{
  --bg:#f6f2ea;
  --bg2:#fffdf9;
  --panel:#ffffff;
  --panel2:#fcfaf6;
  --soft:#f5efe6;
  --text:#1e2a32;
  --muted:#6c7b86;
  --accent:#0e9f6e;
  --accent2:#2f80c7;
  --gold:#d5a441;
  --line:rgba(28,48,64,.10);
  --line2:rgba(14,159,110,.18);
  --radius:24px;
  --shadow:0 20px 50px rgba(31, 48, 61, 0.08);
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:
radial-gradient(circle at top right, rgba(14,159,110,.08), transparent 18%),
radial-gradient(circle at top left, rgba(47,128,199,.08), transparent 24%),
linear-gradient(180deg,var(--bg) 0%,var(--bg2) 58%,#f7f2ea 100%);line-height:1.82}
a{color:inherit}
.wrap{max-width:1240px;margin:0 auto;padding:18px}
.header{position:sticky;top:0;z-index:20;backdrop-filter:blur(14px);background:rgba(255,252,247,.86);border-bottom:1px solid var(--line)}
.header-inner{max-width:1240px;margin:0 auto;padding:12px 18px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-mark{width:42px;height:42px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,var(--accent),var(--accent2));color:#fff;font-weight:900;box-shadow:var(--shadow)}
.brand-text b{display:block;font-size:15px}.brand-text span{display:block;color:var(--muted);font-size:12px}
.nav{display:flex;flex-wrap:wrap;gap:8px;justify-content:flex-end}
.nav a{padding:10px 12px;border-radius:999px;text-decoration:none;background:rgba(255,255,255,.7);border:1px solid var(--line);font-size:14px}
.nav a.active,.pill{background:#edf8f4;border-color:var(--line2);color:#0b7e59}
.hero,.panel,.card{background:linear-gradient(180deg,#ffffff,#fffaf3);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.hero{padding:28px;position:relative;overflow:hidden}.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,rgba(14,159,110,.05),transparent 38%,transparent 70%,rgba(47,128,199,.05));pointer-events:none}
.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border-radius:999px;background:#edf8f4;border:1px solid var(--line2);color:#0b7e59;font-size:11px;font-weight:800;letter-spacing:.12em}
h1,h2,h3,p,ul,table{margin:0} h1{margin-top:14px;font-size:clamp(28px,4vw,44px);line-height:1.12;letter-spacing:-.03em;max-width:880px} h2{font-size:clamp(21px,3vw,30px);margin-bottom:12px;letter-spacing:-.02em} h3{font-size:18px;margin-bottom:8px;color:#173646}
.lead{margin-top:12px;max-width:900px;color:#566773;font-size:clamp(14px,2.1vw,18px)}
.hero-grid,.grid,.two,.three,.stats,.calc-grid{display:grid;gap:16px}.hero-grid,.two{grid-template-columns:1fr 1fr}.three{grid-template-columns:repeat(3,minmax(0,1fr))}.grid{grid-template-columns:repeat(12,minmax(0,1fr));margin-top:16px}.stats{grid-template-columns:repeat(4,minmax(0,1fr));margin-top:18px}.calc-grid{grid-template-columns:repeat(2,minmax(0,1fr));margin-top:14px}
.card,.panel{padding:20px}.span-12{grid-column:span 12}.span-8{grid-column:span 8}.span-6{grid-column:span 6}.span-4{grid-column:span 4}
.card.soft,.feature,.stat,.callout,.result{background:var(--panel2);border:1px solid var(--line);border-radius:18px;padding:16px}
.stat .k{color:var(--muted);font-size:11px;text-transform:uppercase;letter-spacing:.12em}.stat .v{margin-top:8px;font-size:clamp(20px,4vw,28px);font-weight:800;color:#173646}
.list{display:grid;gap:14px}.button,.toc a,.subnav a{display:inline-flex;align-items:center;justify-content:center;padding:10px 13px;border-radius:999px;text-decoration:none;background:#fff;border:1px solid var(--line);font-size:14px}
.button.primary{background:linear-gradient(135deg,var(--accent),#28b57f);border-color:transparent;color:#fff;font-weight:800}.button-row,.toc,.subnav{display:flex;flex-wrap:wrap;gap:10px}.subnav{margin-top:18px}
.sectionimg{width:100%;height:auto;display:block;border-radius:18px;border:1px solid var(--line)}.caption{color:var(--muted);font-size:13px;margin-top:8px}
ul{padding:0 18px 0 0;color:#44545f} li+li{margin-top:8px} p+p,p+ul,ul+p{margin-top:12px}
.diagram{overflow-x:auto;border-radius:18px;border:1px solid var(--line);background:#fff;padding:10px}.diagram svg{width:100%;min-width:680px;height:auto;display:block}
.compare{overflow-x:auto;border:1px solid var(--line);border-radius:18px;margin-top:14px} table{width:100%;min-width:760px;border-collapse:collapse;background:#fff} th,td{padding:14px;text-align:right;vertical-align:top;border-bottom:1px solid rgba(28,48,64,.08)} th{background:#edf8f4;font-size:14px}.good{color:#0b8d63;font-weight:700}.warn{color:#c68416;font-weight:700}
.formula{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:13px;direction:ltr;text-align:left;padding:12px 14px;border-radius:14px;background:#f3f8fb;border:1px solid rgba(28,48,64,.08);margin-top:12px;color:#214155}
.input{display:grid;gap:8px}.input label{font-size:13px;color:var(--muted)}.input input,.input select{width:100%;padding:12px 13px;border-radius:14px;border:1px solid rgba(28,48,64,.10);background:#fff;color:var(--text);font:inherit}
.footer{color:var(--muted);font-size:13px;margin:18px 4px 0;padding-bottom:30px}.divider{height:1px;background:rgba(28,48,64,.07);margin:18px 0}.badge{display:inline-block;padding:6px 10px;border-radius:999px;background:#eef5fb;border:1px solid rgba(47,128,199,.14);color:#2a6ea7;font-size:12px;margin-bottom:10px}
@media (max-width:980px){.hero-grid,.two,.three,.stats,.calc-grid{grid-template-columns:1fr}.span-8,.span-6,.span-4{grid-column:span 12}.header-inner{display:grid}.nav{justify-content:flex-start}}
@media (max-width:640px){.wrap,.header-inner{padding:12px}.hero,.card,.panel{padding:15px}.nav a,.button,.subnav a{font-size:13px;padding:9px 10px}h1{font-size:30px}.lead{font-size:14px}th,td{padding:12px;font-size:14px}}

.hero-split{display:grid;grid-template-columns:1.1fr .9fr;gap:18px;align-items:stretch}
.hero-visual{background:linear-gradient(180deg,#fff,#f8f3ea);border:1px solid var(--line);border-radius:20px;padding:14px;display:grid;gap:12px}
.kpi-strip{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.kpi{padding:14px;border-radius:18px;background:#fff;border:1px solid var(--line)}
.kpi b{display:block;font-size:22px;color:#173646}.kpi span{color:var(--muted);font-size:12px}
.feature-card{position:relative;overflow:hidden;background:linear-gradient(180deg,#fff,#fcf8f0);border:1px solid var(--line);border-radius:22px;padding:18px}
.feature-card:before{content:'';position:absolute;inset:0;background:linear-gradient(140deg,rgba(14,159,110,.03),transparent 40%,rgba(47,128,199,.04));pointer-events:none}
.icon-chip{width:44px;height:44px;border-radius:14px;display:grid;place-items:center;background:#eef7f3;border:1px solid var(--line2);color:#0b7e59;font-size:20px;margin-bottom:12px}
.page-hero-note{padding:14px 16px;border-radius:18px;background:#fff;border:1px dashed rgba(28,48,64,.12);color:#50616e}
.quote{padding:18px 20px;border-right:4px solid var(--accent);background:#fffcf7;border-radius:18px;border:1px solid var(--line);color:#43525d}
.ref-list{display:grid;gap:12px}.ref-item{padding:14px 16px;border-radius:16px;background:#fff;border:1px solid var(--line)}
.mini-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.overview-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:18px}
.summary-card,.journey-card,.info-card,.check-card{background:linear-gradient(180deg,#fff,#fcf8f1);border:1px solid var(--line);border-radius:20px;padding:16px}
.summary-card b,.journey-card b,.info-card b{display:block;font-size:15px;color:#173646;margin-bottom:6px}
.summary-card span,.journey-card span,.info-card span,.muted{color:var(--muted);font-size:13px}
.section-intro{margin-bottom:14px;color:#5a6a75;max-width:900px}
.note{padding:12px 14px;border-radius:16px;background:#f8fbfd;border:1px solid rgba(47,128,199,.12);color:#456072}
.inline-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.inline-links a{font-size:13px;color:#0b7e59;text-decoration:none;border-bottom:1px dashed rgba(14,159,110,.35)}
.quick-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:16px}
.decision-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:16px}
.anchor-card{display:flex;flex-direction:column;gap:8px;padding:16px;border-radius:18px;background:#fff;border:1px solid var(--line);text-decoration:none}
.anchor-card strong{color:#173646}
.anchor-card small{color:var(--muted);font-size:13px;line-height:1.6}
.journey-nav{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:18px}
.prev-next{display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;margin-top:18px}
.prev-next a{flex:1;min-width:220px;padding:16px 18px;border-radius:18px;border:1px solid var(--line);background:#fff;text-decoration:none}
.prev-next a strong{display:block;color:#173646;margin-bottom:6px}
.callout strong{color:#173646}
.compare.compact table{min-width:640px}
.faq-group{display:grid;gap:16px}
.faq-item{padding:18px;border-radius:20px;background:#fff;border:1px solid var(--line)}
.faq-item h3{margin-bottom:10px}
.checklist{display:grid;gap:10px;padding:0;margin:0;list-style:none}
.checklist li{position:relative;padding-right:28px;color:#44545f}
.checklist li:before{content:'✓';position:absolute;right:0;top:0;color:#0b8d63;font-weight:800}
.metric-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-top:16px}
.metric{padding:14px;border-radius:18px;background:#fff;border:1px solid var(--line)}
.metric strong{display:block;font-size:20px;color:#173646}
.metric span{color:var(--muted);font-size:12px}
@media (max-width:980px){.hero-split,.kpi-strip,.mini-grid,.overview-grid,.quick-grid,.decision-grid,.journey-nav,.metric-strip{grid-template-columns:1fr}}
@media (max-width:640px){.prev-next{flex-direction:column}}