:root{
 --bg:#f5f8fc;--surface:#fff;--surface2:#edf4fb;--text:#14243a;--muted:#617086;
 --brand:#1167b1;--brand2:#0b8f82;--line:#d9e4ef;--dark:#0c2037;--radius:20px;
 --shadow:0 14px 38px rgba(19,48,78,.09)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font:16px/1.68 Arial,sans-serif}
a{color:inherit;text-decoration:none}.wrap{max-width:1180px;margin:auto;padding:0 22px}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.top{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:72px}
.logo{font-size:25px;font-weight:900;color:var(--dark)}.logo span{color:var(--brand)}
nav{display:flex;gap:18px;flex-wrap:wrap}nav a{font-weight:700;color:#40536a}nav a:hover{color:var(--brand)}
.hero{padding:72px 0 52px;background:linear-gradient(135deg,#eaf5ff,#f7fbff 55%,#e8f8f4)}
.eyebrow{font-weight:800;color:var(--brand2);text-transform:uppercase;letter-spacing:.08em;font-size:13px}
h1{font-size:clamp(34px,5vw,62px);line-height:1.05;max-width:980px;margin:14px 0 20px;color:var(--dark)}
h2{font-size:clamp(27px,3vw,40px);line-height:1.15;margin:0 0 18px;color:var(--dark)}
h3{font-size:20px;margin:0 0 9px}.lead{font-size:20px;max-width:880px;color:#435a72}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;padding:13px 19px;border-radius:999px;background:var(--brand);color:white;font-weight:800}.btn.alt{background:white;color:var(--dark);border:1px solid var(--line)}
section{padding:54px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card p{color:var(--muted);margin-bottom:0}.band{background:var(--dark);color:#e9f2fa}.band h2{color:#fff}.band p{color:#c8d7e5}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:30px}.kpi{background:#fff;border:1px solid var(--line);padding:18px;border-radius:16px}.kpi b{font-size:28px;display:block;color:var(--brand)}
.content{max-width:900px}.content p,.content li{color:#42566c}.content h2{margin-top:36px}.content h3{margin-top:28px}
.breadcrumbs{font-size:14px;color:var(--muted);padding-top:24px}.toc{background:#eef5fb;border-left:4px solid var(--brand);padding:18px 22px;border-radius:12px;margin:25px 0}
.notice{background:#fff8e8;border:1px solid #f0d899;padding:18px;border-radius:14px}
footer{background:#081827;color:#c5d3df;padding:44px 0;margin-top:45px}footer strong{color:#fff}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
small{color:#8fa2b4}.tags{display:flex;gap:8px;flex-wrap:wrap;margin-top:18px}.tag{background:#e9f3fb;border-radius:999px;padding:7px 11px;font-size:14px}
@media(max-width:800px){.top{align-items:flex-start;padding:15px 0;flex-direction:column}header{position:static}.grid,.grid.two,.kpis,.foot{grid-template-columns:1fr}.hero{padding:48px 0 35px}nav{gap:12px}h1{font-size:38px}}