:root{--bg:#f7f8fb;--card:#fff;--text:#1d2433;--muted:#657084;--accent:#2757a8;--accent2:#e7efff;--line:#dfe5ef;--green:#2c8c64}*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.65}a{color:inherit;text-decoration:none}.container{max-width:1120px;margin:auto;padding:0 22px}.nav{position:sticky;top:0;background:rgba(255,255,255,.92);backdrop-filter:blur(12px);z-index:10;border-bottom:1px solid var(--line)}.nav-inner{height:72px;display:flex;align-items:center;justify-content:space-between}.brand{font-weight:800;color:var(--accent);font-size:1.25rem}.links{display:flex;gap:24px;color:var(--muted);font-weight:600}.links a:hover{color:var(--accent)}.hero{padding:76px 0 48px}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:center}.badge{display:inline-block;background:var(--accent2);color:var(--accent);padding:8px 14px;border-radius:99px;font-weight:700;font-size:.9rem}.hero h1{font-size:clamp(2.2rem,6vw,4.5rem);line-height:1.05;margin:22px 0}.lead{font-size:1.18rem;color:var(--muted)}.card{background:var(--card);border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:0 18px 45px rgba(27,48,93,.08)}.stat{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px}.stat div{background:#f3f6fb;border-radius:18px;padding:18px}.stat strong{display:block;font-size:1.5rem;color:var(--accent)}section{padding:38px 0}.section-title{font-size:2rem;margin:0 0 16px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.two{display:grid;grid-template-columns:1fr 1fr;gap:20px}.mini h3,.article h2{margin-top:0}.mini{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:24px}.chart{height:260px;display:flex;align-items:end;gap:18px;padding:18px;background:linear-gradient(180deg,#fff,#f0f4fb);border-radius:22px;border:1px solid var(--line)}.bar{flex:1;border-radius:14px 14px 6px 6px;background:linear-gradient(180deg,#4876c7,#2757a8);position:relative;min-height:40px}.bar span{position:absolute;bottom:-32px;left:50%;transform:translateX(-50%);font-size:.8rem;color:var(--muted);white-space:nowrap}.bar em{position:absolute;top:-30px;left:50%;transform:translateX(-50%);font-style:normal;font-weight:800;color:var(--accent)}.timeline{border-left:3px solid var(--accent);padding-left:22px}.timeline div{margin:0 0 20px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px}.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;margin:12px 0}.faq summary{font-weight:800;cursor:pointer}.article{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;margin:24px 0}.infographic{display:flex;flex-wrap:wrap;gap:10px;align-items:center}.step{padding:14px 18px;background:var(--accent2);color:var(--accent);border-radius:16px;font-weight:800}.arrow{color:var(--muted);font-weight:900}.footer{margin-top:50px;background:#172033;color:#dce5f5;padding:42px 0}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:24px}.muted{color:var(--muted)}.footer .muted{color:#aeb9ca}.pill{display:inline-block;margin:6px 6px 0 0;background:#eef3ff;color:#2757a8;border-radius:99px;padding:8px 12px;font-weight:700;font-size:.9rem}@media(max-width:800px){.hero-grid,.grid,.two,.footer-grid{grid-template-columns:1fr}.links{gap:12px;font-size:.9rem}.nav-inner{height:auto;padding:18px 0;align-items:flex-start;gap:12px;flex-direction:column}.chart{gap:8px}.bar span{font-size:.7rem}}