:root{
  --blue:#0b4fd9;
  --blue-dark:#09275f;
  --blue-soft:#eaf2ff;
  --red:#e21b2d;
  --red-dark:#a81422;
  --red-soft:#fff0f2;
  --ink:#0b1220;
  --text:#334155;
  --muted:#64748b;
  --line:#dce5f3;
  --bg:#f7f9ff;
  --white:#ffffff;
  --shadow:0 18px 50px rgba(8,31,84,.12);
  --shadow-small:0 8px 28px rgba(8,31,84,.1);
  --radius:24px;
  --max:1280px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;overflow-x:hidden}
body{
  margin:0;
  font-family:Arial, Helvetica, sans-serif;
  color:var(--text);
  background:
    radial-gradient(circle at top left, rgba(226,27,45,.13), transparent 34rem),
    radial-gradient(circle at top right, rgba(11,79,217,.16), transparent 38rem),
    linear-gradient(180deg,#fff 0%,var(--bg) 48%,#fff 100%);
  line-height:1.75;
  overflow-x:hidden;
}
a{color:var(--blue);text-decoration:none}
a:hover{color:var(--red)}
img{max-width:100%;height:auto;display:block}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--blue-dark);color:#fff;padding:10px 14px;border-radius:10px;z-index:9999}
.skip-link:focus{left:12px}
.progress-bar{position:fixed;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--red),var(--blue));z-index:1000}
.site-header{position:sticky;top:0;z-index:999;background:rgba(255,255,255,.9);backdrop-filter:blur(14px);border-bottom:1px solid rgba(220,229,243,.9)}
.nav-shell{height:50px;max-width:var(--max);margin:0 auto;padding:0 20px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.logo-link{display:flex;align-items:center;gap:8px;min-width:190px}
.logo-link img{width:184px;height:auto;max-height:44px}
.main-nav{display:flex;align-items:center;gap:4px;white-space:nowrap}
.main-nav a{font-size:14px;font-weight:800;color:#16315f;padding:8px 10px;border-radius:999px;line-height:1}
.main-nav a:hover,.main-nav a:focus{background:rgba(11,79,217,.08);color:var(--blue-dark);box-shadow:inset 0 0 0 1px rgba(11,79,217,.12)}
.nav-cta{background:linear-gradient(135deg,var(--red),var(--blue));color:#fff!important;box-shadow:0 8px 18px rgba(226,27,45,.18)}
.nav-cta:hover{background:linear-gradient(135deg,#163f95,#cb1430);color:#fff!important;box-shadow:0 14px 28px rgba(8,31,84,.18);transform:translateY(-2px)}
.nav-toggle{display:none;width:42px;height:38px;border:1px solid var(--line);border-radius:12px;background:#fff;cursor:pointer;align-items:center;justify-content:center;gap:4px;flex-direction:column}
.nav-toggle span{width:19px;height:2px;background:var(--blue-dark);border-radius:9px;display:block}
.hero-wrap{max-width:var(--max);margin:0 auto;padding:58px 20px 22px}
.hero-panel{position:relative;overflow:hidden;border-radius:32px;background:linear-gradient(135deg,#071f50 0%,#0b4fd9 47%,#e21b2d 100%);box-shadow:var(--shadow);padding:42px;min-height:360px;color:#fff;display:grid;grid-template-columns:minmax(0,1.14fr) minmax(290px,.86fr);gap:32px;align-items:center}
.hero-panel:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 12% 10%,rgba(255,255,255,.24),transparent 26rem),radial-gradient(circle at 80% 18%,rgba(255,255,255,.18),transparent 21rem);pointer-events:none}
.hero-content,.hero-visual{position:relative;z-index:1}
.kicker{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.26);padding:8px 13px;border-radius:999px;font-size:13px;font-weight:800;color:#fff;margin-bottom:16px}
.hero-panel h1{font-size:clamp(34px,4.9vw,64px);line-height:1.04;margin:0 0 18px;color:#fff;letter-spacing:-.045em}
.hero-panel p{font-size:clamp(17px,2vw,21px);max-width:760px;color:rgba(255,255,255,.9);margin:0 0 26px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:12px 18px;border-radius:999px;font-weight:900;border:0;cursor:pointer;transition:transform .2s ease,box-shadow .2s ease,background .2s ease,color .2s ease,border-color .2s ease}.btn-primary{background:#fff;color:var(--blue-dark);box-shadow:0 14px 32px rgba(0,0,0,.14)}.btn-primary:hover,.btn-primary:focus{background:#eef4ff;color:var(--blue-dark);box-shadow:0 18px 34px rgba(0,0,0,.18)}.btn-secondary{background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.32)}.btn-secondary:hover,.btn-secondary:focus{background:rgba(255,255,255,.24);color:#fff;border-color:rgba(255,255,255,.55);box-shadow:0 16px 30px rgba(8,31,84,.18)}.btn:hover,.btn:focus{transform:translateY(-2px)}
.rank-card{background:rgba(255,255,255,.96);border-radius:28px;padding:26px;color:var(--ink);box-shadow:0 24px 70px rgba(0,0,0,.18)}
.rank-card-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:24px}.rank-label{font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:900}.rank-badge{background:var(--red-soft);color:var(--red-dark);font-size:12px;font-weight:900;border-radius:999px;padding:7px 10px}.rank-number{font-size:48px;line-height:1;font-weight:900;color:var(--blue-dark);letter-spacing:-.04em;margin-bottom:8px}.rank-sub{color:var(--muted);font-weight:700;margin-bottom:22px}.bar-row{display:grid;grid-template-columns:72px minmax(0,1fr) 42px;gap:10px;align-items:center;margin:14px 0;font-size:13px;font-weight:900;color:#334155}.bar-track{height:12px;border-radius:999px;background:#e8eef8;overflow:hidden}.bar-fill{height:100%;border-radius:999px;background:linear-gradient(90deg,var(--red),var(--blue));}.bar-fill.one{width:86%}.bar-fill.two{width:72%}.bar-fill.three{width:93%}
.stats-strip{max-width:var(--max);margin:18px auto 0;padding:0 20px;display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.stat-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 20px;box-shadow:var(--shadow-small)}.stat-box strong{display:block;color:var(--blue-dark);font-size:24px;line-height:1.1}.stat-box span{display:block;color:var(--muted);font-weight:800;font-size:13px;margin-top:4px}.page-shell{max-width:var(--max);margin:0 auto;padding:30px 20px 70px;display:grid;grid-template-columns:minmax(0,1fr) 305px;gap:28px;align-items:start}.article-card{background:#fff;border:1px solid var(--line);border-radius:30px;padding:clamp(22px,4vw,52px);box-shadow:var(--shadow);min-width:0}.article-card h1{font-size:clamp(33px,4.4vw,58px);line-height:1.08;margin:0 0 24px;color:var(--blue-dark);letter-spacing:-.045em}.article-card h2{position:relative;font-size:clamp(27px,3vw,40px);line-height:1.18;margin:58px 0 18px;color:var(--blue-dark);letter-spacing:-.03em;padding-top:12px}.article-card h2:before{content:"";position:absolute;left:0;top:0;width:86px;height:5px;border-radius:999px;background:linear-gradient(90deg,var(--red),var(--blue))}.article-card h3{font-size:clamp(21px,2.2vw,29px);line-height:1.25;margin:34px 0 12px;color:#11295a}.article-card h4{font-size:20px;margin:28px 0 10px;color:var(--red-dark)}.article-card p{font-size:17px;margin:0 0 18px}.article-card strong{color:#111827}.article-card hr{border:0;height:1px;background:linear-gradient(90deg,transparent,var(--line),transparent);margin:38px 0}.article-card ul,.article-card ol{padding-left:22px;margin:12px 0 24px}.article-card li{margin:9px 0;font-size:17px}.check-list{list-style:none!important;padding-left:0!important}.check-list li{position:relative;padding-left:38px;background:linear-gradient(90deg,rgba(11,79,217,.045),transparent);border-radius:12px;padding-top:8px;padding-bottom:8px}.check-list li:before{content:"✓";position:absolute;left:10px;top:8px;width:20px;height:20px;border-radius:50%;background:linear-gradient(135deg,var(--red),var(--blue));color:#fff;font-weight:900;font-size:13px;display:flex;align-items:center;justify-content:center}.article-card table{width:100%;border-collapse:separate;border-spacing:0;margin:18px 0 30px;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff;box-shadow:0 8px 22px rgba(8,31,84,.06)}.article-card table thead th{background:linear-gradient(135deg,var(--blue-dark),var(--blue));color:#fff;text-align:left;font-size:14px;text-transform:uppercase;letter-spacing:.05em;padding:15px 16px}.article-card table td{padding:15px 16px;border-top:1px solid var(--line);vertical-align:top}.article-card table tr:nth-child(even) td{background:#f9fbff}.faq-item{border:1px solid var(--line);border-radius:20px;background:linear-gradient(180deg,#fff,#fbfdff);padding:0;margin:16px 0;box-shadow:0 10px 28px rgba(8,31,84,.07);overflow:hidden}.faq-question{position:relative;padding:18px 54px 18px 20px;font-weight:900;color:var(--blue-dark);cursor:pointer}.faq-question:after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);width:27px;height:27px;border-radius:50%;background:var(--blue-soft);color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:18px}.faq-item.is-open .faq-question:after{content:"−";background:var(--red-soft);color:var(--red)}.faq-item>p,.faq-item>ul{padding:0 20px 18px;margin-top:0}.cta-box{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--blue-dark),var(--blue) 46%,var(--red));border-radius:28px;padding:32px!important;color:#fff;margin-top:32px;box-shadow:0 22px 60px rgba(11,79,217,.2)}.cta-box:before{content:"";position:absolute;right:-80px;top:-80px;width:260px;height:260px;border-radius:50%;background:rgba(255,255,255,.13)}.cta-box h3,.cta-box p,.cta-box strong{color:#fff!important;position:relative}.cta-button{display:inline-flex;align-items:center;justify-content:center;margin-top:8px;min-height:48px;padding:13px 20px;border-radius:999px;background:#fff;color:var(--blue-dark)!important;font-weight:900;box-shadow:0 12px 28px rgba(0,0,0,.16);position:relative;transition:transform .2s ease,box-shadow .2s ease,background .2s ease,color .2s ease}.cta-button:hover,.cta-button:focus{background:#fff;color:var(--blue-dark)!important;box-shadow:0 16px 34px rgba(0,0,0,.2);transform:translateY(-2px)}.keyword-note{background:#f8fbff;border:1px dashed var(--line);border-radius:16px;padding:16px;text-align:center;color:var(--muted);font-size:15px!important}.side-panel{position:sticky;top:70px;display:flex;flex-direction:column;gap:16px;min-width:0}.toc,.contact-card{background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow-small);padding:22px}.toc-title,.contact-card h2{margin:0 0 14px;color:var(--blue-dark);font-size:18px}.toc a{display:block;padding:9px 10px;border-radius:12px;color:#334155;font-weight:800;font-size:14px;line-height:1.25}.toc a:hover{background:var(--blue-soft);color:var(--blue)}.contact-card{background:linear-gradient(180deg,#fff,#f8fbff)}.contact-card p{margin:0 0 14px}.contact-card .mini-btn{display:flex;width:100%;align-items:center;justify-content:center;padding:12px 14px;border-radius:14px;background:linear-gradient(135deg,var(--red),var(--blue));color:#fff;font-weight:900;transition:transform .2s ease,box-shadow .2s ease,filter .2s ease}.contact-card .mini-btn:hover,.contact-card .mini-btn:focus{color:#fff;filter:brightness(1.02);box-shadow:0 14px 26px rgba(8,31,84,.16);transform:translateY(-2px)}.site-footer{background:#071f50;color:#dbeafe;padding:34px 20px;text-align:center}.site-footer a{color:#fff;font-weight:800}.back-to-top{position:fixed;right:18px;bottom:18px;width:48px;height:48px;border:0;border-radius:50%;background:linear-gradient(135deg,var(--red),var(--blue));color:#fff;font-size:22px;box-shadow:0 16px 30px rgba(8,31,84,.25);display:none;align-items:center;justify-content:center;cursor:pointer;z-index:900}.back-to-top.show{display:flex}.back-to-top:hover,.back-to-top:focus{transform:translateY(-2px);box-shadow:0 18px 34px rgba(8,31,84,.3)}
@media (max-width:1080px){.main-nav{position:absolute;top:50px;left:14px;right:14px;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:12px;display:none;flex-direction:column;align-items:stretch;white-space:normal}.main-nav.is-open{display:flex}.main-nav a{padding:13px}.nav-toggle{display:flex}.hero-panel{grid-template-columns:1fr}.stats-strip{grid-template-columns:repeat(2,1fr)}.page-shell{grid-template-columns:1fr}.side-panel{position:static;display:grid;grid-template-columns:1fr 1fr}.toc{display:none}}
@media (max-width:760px){.nav-shell{padding:0 12px}.logo-link img{width:170px}.hero-wrap{padding:28px 12px 12px}.hero-panel{border-radius:24px;padding:26px;min-height:auto}.rank-card{padding:20px}.stats-strip{grid-template-columns:1fr;padding:0 12px}.page-shell{padding:18px 12px 52px}.article-card{border-radius:24px;padding:22px}.article-card h1{font-size:32px}.article-card h2{margin-top:42px}.article-card table{display:block;overflow-x:auto;white-space:normal}.side-panel{grid-template-columns:1fr}.hero-actions{flex-direction:column}.btn{width:100%}.cta-box{padding:24px!important}.back-to-top{width:44px;height:44px;right:12px;bottom:12px}}
@media (max-width:420px){.article-card{padding:18px}.article-card p,.article-card li{font-size:16px}.bar-row{grid-template-columns:62px minmax(0,1fr) 36px}.rank-number{font-size:40px}.hero-panel h1{font-size:31px}.hero-panel p{font-size:16px}.logo-link{min-width:155px}.logo-link img{width:155px}}

.hero-visual{display:flex;align-items:center;justify-content:center}.hero-dashboard-image{display:block;width:100%;max-width:608px;height:auto;border-radius:28px;box-shadow:0 28px 70px rgba(8,31,84,.22);border:1px solid rgba(255,255,255,.34);background:#fff}.hero-dashboard-image:hover{transform:translateY(-2px)}

/* Strong button hover correction: red or black backgrounds only */
.btn-primary:hover,
.btn-primary:focus {
  background: #e21b2d !important;
  color: #ffffff !important;
  border-color: #e21b2d !important;
  box-shadow: 0 16px 34px rgba(226, 27, 45, 0.28) !important;
  transform: translateY(-2px);
}

.btn-secondary:hover,
.btn-secondary:focus {
  background: #111827 !important;
  color: #ffffff !important;
  border-color: #111827 !important;
  box-shadow: 0 16px 34px rgba(17, 24, 39, 0.28) !important;
  transform: translateY(-2px);
}

.nav-cta:hover,
.nav-cta:focus,
.cta-button:hover,
.cta-button:focus,
.contact-card .mini-btn:hover,
.contact-card .mini-btn:focus {
  background: #111827 !important;
  background-image: none !important;
  color: #ffffff !important;
  border-color: #111827 !important;
  box-shadow: 0 16px 34px rgba(17, 24, 39, 0.28) !important;
  transform: translateY(-2px);
}

.back-to-top:hover,
.back-to-top:focus {
  background: #111827 !important;
  background-image: none !important;
  color: #ffffff !important;
  box-shadow: 0 18px 34px rgba(17, 24, 39, 0.32) !important;
  transform: translateY(-2px);
}

/* FAQ accordion open/close fix */
.faq-item > p,
.faq-item > ul,
.faq-item > ol {
  display: none;
}

.faq-item.is-open > p,
.faq-item.is-open > ul,
.faq-item.is-open > ol {
  display: block;
}

.faq-question {
  user-select: none;
}

/* Desktop contact card visibility fix */
.side-panel {
  position: static !important;
  top: auto !important;
  align-self: start;
}

.contact-card {
  display: block !important;
  visibility: visible !important;
  opacity: 1 !important;
}