:root{--bg:#F3F5F8;--surface:#fff;--ink:#111827;--muted:#526074;--line:#DCE2EA;--orange:#F26A1B;--blue:#2F6BFF;--deep:#101623;--warn-bg:#FFF3E8;--warn-line:#F5B27F;--link:#1D4ED8}
@media (prefers-color-scheme:dark){:root{--bg:#0D1320;--surface:#151E2F;--ink:#EDF1F7;--muted:#9BABC0;--line:#26344C;--warn-bg:#2A1D12;--warn-line:#7A4A24;--link:#8DB0FF}}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:76px}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.7 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;-webkit-font-smoothing:antialiased}
a{color:var(--link)}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:6px}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
header.site{position:sticky;top:0;z-index:10;background:var(--bg);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}
.logo{font-weight:800;font-size:1.15rem;letter-spacing:-.02em;text-decoration:none;color:var(--ink)}
.logo span{color:var(--orange)}
nav.main{display:flex;gap:16px;font-size:.92rem;overflow-x:auto;white-space:nowrap}
nav.main a{color:var(--muted);text-decoration:none}
nav.main a:hover,nav.main a[aria-current]{color:var(--ink)}
.btn{display:inline-block;background:var(--orange);color:#fff;font-weight:700;text-decoration:none;padding:13px 24px;border-radius:12px;font-size:1rem}
.btn:hover{filter:brightness(.93)}
.btn.sm{padding:9px 16px;font-size:.9rem}
.btn.ghost{background:transparent;color:var(--ink);border:2px solid var(--ink)}
h1,h2,h3{line-height:1.15;letter-spacing:-.02em}
h1{font-size:clamp(2rem,5vw,3.1rem);margin:0 0 16px}
h2{font-size:clamp(1.5rem,3.2vw,2rem);margin:44px 0 14px}
h3{font-size:1.15rem;margin:24px 0 8px}
p{margin:0 0 16px}
.lead{font-size:1.15rem;color:var(--muted)}
.meta{font-size:.85rem;color:var(--muted);margin:0 0 22px}
.crumbs{font-size:.85rem;color:var(--muted);padding:16px 0 0}
.crumbs a{color:var(--muted)}
.hero{padding:44px 0 18px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;align-items:center}
.tags{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 22px}
.tag{background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:4px 12px;font-size:.85rem;color:var(--muted)}
.btns{display:flex;flex-wrap:wrap;gap:12px}
figure{margin:24px 0}
figure img{display:block;width:100%;height:auto;border-radius:16px;border:1px solid var(--line)}
figcaption{font-size:.82rem;color:var(--muted);padding-top:8px}
.box{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:20px 22px;margin:24px 0}
.box h2,.box h3{margin-top:0}
.toc ol{margin:0;padding-left:20px}
.toc li{margin:4px 0}
.toc a{text-decoration:none}
.risk{background:var(--warn-bg);border:2px solid var(--warn-line);border-radius:18px;padding:22px 24px;margin:28px 0}
.risk h2,.risk h3{margin-top:0}
.risk ul{margin:0;padding-left:20px}.risk li{margin-bottom:8px}
.tbl{overflow-x:auto;margin:20px 0}
table{width:100%;border-collapse:collapse;background:var(--surface);border:1px solid var(--line);font-size:.95rem}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--bg);font-size:.9rem}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:20px 0}
.card{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:18px 20px}
.card h3{margin:0 0 6px}.card p{margin:0;color:var(--muted);font-size:.95rem}
.card a{text-decoration:none;color:inherit;display:block}
.card a:hover h3{text-decoration:underline}
.steps{list-style:none;counter-reset:s;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.steps li{counter-increment:s;background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:18px}
.steps li::before{content:counter(s);display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;border-radius:50%;background:var(--deep);color:#fff;font-weight:700;margin-bottom:8px}
.steps h3{margin:0 0 4px}.steps p{margin:0;color:var(--muted);font-size:.95rem}
details{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:14px 20px;margin-bottom:10px}
summary{cursor:pointer;font-weight:600}
details p{margin:10px 0 0;color:var(--muted)}
.cta{background:var(--deep);color:#EDF1F7;border-radius:22px;padding:34px 26px;text-align:center;margin:40px 0}
.cta h2{margin:0 0 8px;color:#fff}.cta p{color:#B4C0D2;max-width:34em;margin:0 auto 18px}
.related{margin-top:40px}
footer.site{border-top:1px solid var(--line);margin-top:56px;padding:30px 0 90px;color:var(--muted);font-size:.85rem}
footer.site nav{display:flex;flex-wrap:wrap;gap:8px 18px;margin-bottom:14px}
footer.site a{color:var(--muted)}
footer.site p{margin:0 0 8px;max-width:72em}
#cookie{position:fixed;left:12px;right:12px;bottom:12px;z-index:20;background:var(--deep);color:#EDF1F7;border-radius:14px;padding:14px 16px;display:flex;gap:14px;align-items:center;justify-content:space-between;font-size:.88rem;line-height:1.5;max-width:760px;margin:0 auto}
#cookie[hidden]{display:none}
#cookie a{color:#F7B98E}
#cookie button{background:var(--orange);color:#fff;border:0;border-radius:10px;padding:9px 16px;font-weight:700;cursor:pointer;flex-shrink:0}
@media (max-width:860px){.hero-grid,.cards,.steps{grid-template-columns:1fr}nav.main{display:none}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}