:root{--blue: #163A58;--blue-deep: #0F2A42;--blue-mid: #2C5878;--teal: #48B0B7;--yellow: #F3C04D;--orange: #E8A040;--paper: #FAF6EE;--ink: #163A58;--ink-soft: #3D5573;--ink-mute: #7A8FA8;--line: rgba(22,58,88,.12)}html{scroll-behavior:smooth;scroll-padding-top:90px}.breadcrumb{max-width:900px;margin:70px auto 0;padding:16px 32px 0;font-family:Montserrat,sans-serif;font-size:12px;color:var(--ink-mute);letter-spacing:.04em}.breadcrumb a{color:var(--ink-mute);text-decoration:none}.breadcrumb a:hover{color:var(--blue);text-decoration:underline}.breadcrumb .sep{margin:0 6px;opacity:.45}.hero{max-width:900px;margin:0 auto;padding:48px 32px 56px;border-bottom:1px solid var(--line)}.hero-kicker{font-family:Montserrat,sans-serif;font-size:11px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--blue-mid);margin-bottom:20px}h1.hero-title{font-family:Montserrat,sans-serif;font-size:clamp(32px,4vw,52px);font-weight:700;line-height:1.08;letter-spacing:-.02em;color:var(--blue);margin-bottom:28px}.hero-cta{margin-top:32px;margin-bottom:36px;display:flex;align-items:center;gap:20px;flex-wrap:wrap}.hero-lede{font-size:19px;line-height:1.6;color:var(--ink-soft);max-width:760px;font-weight:400}.hero-meta{margin-top:32px;display:flex;flex-wrap:wrap;gap:24px;font-family:Montserrat,sans-serif;font-size:11px;color:var(--ink-mute);letter-spacing:.05em}.hero-meta-item strong{color:var(--blue);display:block;font-size:11px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:3px}.summary-box{max-width:900px;margin:48px auto 0;padding:0 32px}.summary-box-inner{border-left:4px solid var(--yellow);padding:28px 36px}.toc{max-width:900px;margin:48px auto 0;padding:0 32px}.toc-inner{border:1px solid var(--line);border-radius:10px;padding:28px 36px}.toc h2{font-family:Montserrat,sans-serif;font-size:11px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:20px}.toc ol{padding-left:0;list-style:none;counter-reset:toc-counter;display:grid;grid-template-columns:1fr 1fr;gap:0}.toc ol li{counter-increment:toc-counter;display:flex;align-items:baseline;gap:14px;padding:10px 20px 10px 0;border-bottom:1px solid var(--line)}.toc ol li:nth-last-child(-n+2){border-bottom:none}.toc ol li:before{content:counter(toc-counter,decimal-leading-zero);font-family:Montserrat,sans-serif;font-size:11px;font-weight:700;color:var(--blue);letter-spacing:.06em;flex-shrink:0;min-width:22px}.toc a{color:var(--ink-soft);text-decoration:none;font-size:14px;line-height:1.4}.toc a:hover{color:var(--blue);text-decoration:underline}.article{max-width:900px;margin:0 auto;padding:0 32px 80px}.article section{padding:56px 0 0;border-top:1px solid var(--line);margin-top:56px}.article section:first-child{border-top:none}.article h2{font-family:Montserrat,sans-serif;font-size:clamp(22px,2.4vw,30px);font-weight:700;color:var(--blue);margin-bottom:20px;letter-spacing:-.01em;line-height:1.2;position:relative;padding-left:26px}.article h2:before{content:"";position:absolute;left:0;top:.2em;width:13px;height:13px;border-radius:50%;background:var(--blue)}.article section:nth-child(2) h2:before{background:var(--yellow)}.article section:nth-child(3) h2:before{background:var(--teal)}.article section:nth-child(4) h2:before{background:#ea4e48}.article section:nth-child(5) h2:before{background:var(--blue)}.article section:nth-child(6) h2:before{background:var(--yellow)}.article section:nth-child(7) h2:before{background:var(--teal)}.article section:nth-child(8) h2:before{background:#ea4e48}.article section:nth-child(9) h2:before{background:var(--blue)}.article section:nth-child(10) h2:before{background:var(--yellow)}.article p{font-size:17px;line-height:1.7;color:var(--ink-soft);margin-bottom:16px}.article p:last-child{margin-bottom:0}.article a{color:var(--blue);font-weight:600}.article strong{color:var(--ink)}.article h3{font-family:Montserrat,sans-serif;font-size:clamp(15px,1.5vw,18px);font-weight:700;color:var(--blue);margin-bottom:10px;margin-top:28px;letter-spacing:-.01em;line-height:1.3}.article h4{font-family:Montserrat,sans-serif;font-size:14px;font-weight:700;color:var(--blue-mid);margin-bottom:8px;margin-top:20px;letter-spacing:.02em;text-transform:uppercase}.article dl{display:flex;flex-direction:column;gap:24px;margin-top:8px}.article dt{font-family:Montserrat,sans-serif;font-size:15px;font-weight:600;color:var(--blue);margin-bottom:6px}.article dt strong{font-weight:600}.article dd{font-size:16px;line-height:1.65;color:var(--ink-soft);padding-left:16px;border-left:3px solid var(--yellow)}.kpi-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px;margin-top:32px}.kpi-cell{border-top:3px solid var(--blue);border-bottom:1px solid var(--line);padding:24px 0}.kpi-cell-num{font-family:Montserrat,sans-serif;font-size:42px;font-weight:700;color:var(--blue);line-height:1;display:flex;align-items:baseline;gap:4px;margin-bottom:10px}.kpi-cell-num small{font-size:14px;font-weight:600;color:var(--blue-mid);text-transform:uppercase;letter-spacing:.06em}.kpi-cell-label{font-size:13px;line-height:1.5;color:var(--ink-mute)}.faq-section{max-width:900px;margin:0 auto;padding:56px 32px 80px;border-top:1px solid var(--line)}.faq-section h2{font-family:Montserrat,sans-serif;font-size:clamp(22px,2.4vw,30px);font-weight:700;color:var(--blue);margin-bottom:32px}.faq-item{border-bottom:1px solid var(--line)}.faq-q{font-family:Montserrat,sans-serif;font-size:16px;font-weight:600;color:var(--blue);padding:20px 0;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}.faq-q::-webkit-details-marker{display:none}.faq-q:after{content:"+";font-size:20px;font-weight:300;color:var(--teal);flex-shrink:0;transition:transform .2s}details[open] .faq-q:after{transform:rotate(45deg)}.faq-a{padding-bottom:24px}.faq-a p{font-size:16px;line-height:1.7;color:var(--ink-soft)}.hero-meta{margin-top:36px;display:flex;flex-wrap:wrap;gap:32px;font-family:Montserrat,sans-serif;font-size:12px;color:var(--ink-mute);letter-spacing:.04em}.hero-meta-item strong{color:var(--blue);display:block;font-size:13px;letter-spacing:.06em;text-transform:uppercase;margin-bottom:4px}.hero-share{margin-top:28px;display:flex;align-items:center;gap:12px;font-family:Montserrat,sans-serif;font-size:12px;color:var(--ink-mute);letter-spacing:.06em;text-transform:uppercase}.hero-share-btns{display:flex;gap:8px}.share-btn{width:34px;height:34px;border:1px solid var(--line);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--blue-mid);text-decoration:none;background:none;cursor:pointer;transition:all .2s;padding:0}.share-btn:hover{background:var(--blue);border-color:var(--blue);color:#fff}.share-btn svg{width:14px;height:14px}.title-info{display:inline-block;position:relative;vertical-align:middle;margin-left:10px;cursor:pointer}.title-info__icon{display:inline-flex;align-items:center;justify-content:center;width:22px;height:22px;border-radius:50%;border:1.5px solid var(--orange);color:var(--orange);font-size:12px;font-family:Montserrat,sans-serif;font-weight:700;line-height:1;-webkit-user-select:none;-moz-user-select:none;user-select:none}.title-info__bubble{display:none;position:absolute;left:0;top:calc(100% + 10px);width:340px;background:#fff;border:1px solid var(--line);border-left:3px solid var(--orange);border-radius:6px;padding:16px 18px;font-family:Work Sans,sans-serif;font-size:13px;font-weight:400;color:var(--ink-soft);line-height:1.65;letter-spacing:0;text-transform:none;box-shadow:0 4px 20px #163a581f;z-index:10}.title-info__bubble strong{display:block;font-family:Montserrat,sans-serif;font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--orange);margin-bottom:8px}.title-info__bubble em{font-style:italic;color:var(--blue)}.title-info:hover .title-info__bubble,.title-info:focus .title-info__bubble,.title-info:focus-within .title-info__bubble{display:block}@media (max-width: 640px){.breadcrumb,.hero,.summary-box,.toc,.article,.faq-section{padding-left:20px;padding-right:20px}.hero{padding-top:32px}.kpi-grid{grid-template-columns:1fr 1fr}}