:root{
  --bg:#06080c;--panel:#0d1118;--panel2:#111824;--text:#f5f2ea;--muted:#a9b0bd;
  --gold:#e9b84b;--gold2:#8c6722;--red:#db453b;--blue:#4387d9;--green:#70b948;
  --line:#273142;--max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;color:var(--text);background:
  radial-gradient(circle at 50% -10%,rgba(233,184,75,.10),transparent 26rem),
  radial-gradient(circle at 5% 25%,rgba(219,69,59,.06),transparent 24rem),
  radial-gradient(circle at 95% 25%,rgba(67,135,217,.07),transparent 24rem),
  var(--bg);
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI","Noto Sans","Noto Sans KR","Noto Sans Arabic",Arial,sans-serif;
}
body[dir="rtl"]{font-family:"Noto Sans Arabic",Tahoma,Arial,sans-serif}
.noise{position:fixed;inset:0;pointer-events:none;opacity:.22;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 180 180' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.95' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.10'/%3E%3C/svg%3E")}
.topbar{width:min(var(--max),calc(100% - 32px));margin:auto;padding:22px 0;display:flex;align-items:center;justify-content:space-between;gap:18px;border-bottom:1px solid rgba(233,184,75,.18)}
.brand-wrap{display:flex;align-items:center;gap:12px}
.crest{width:42px;height:42px;border:1px solid var(--gold2);border-radius:10px;display:grid;place-items:center;color:var(--gold);font-size:22px;background:#0b0d11}
.micro{font-size:11px;letter-spacing:.18em;color:var(--gold);font-weight:800}
.brand{font-size:18px;font-weight:900;letter-spacing:.02em}
.langs{display:flex;gap:7px;flex-wrap:wrap;justify-content:flex-end}
.langs button{border:1px solid #2f3949;background:#0d121a;color:#b8bfca;padding:9px 11px;border-radius:9px;font-weight:800;cursor:pointer}
.langs button.active{background:linear-gradient(180deg,#f3c75b,#d69a2e);color:#171208;border-color:#f1c45a;box-shadow:0 0 24px rgba(233,184,75,.16)}
main{width:min(var(--max),calc(100% - 32px));margin:auto}
.hero{padding:66px 0 36px;display:grid;grid-template-columns:1.15fr .85fr;gap:28px;align-items:end}
.eyebrow{color:var(--gold);font-weight:900;letter-spacing:.10em;text-transform:uppercase;font-size:12px}
.hero h1{font-size:clamp(42px,7vw,84px);line-height:.94;margin:12px 0 18px;max-width:780px;letter-spacing:-.045em}
.heroLead{max-width:720px;font-size:18px;line-height:1.65;color:#c0c6d0;margin:0}
.battle-clock{margin-top:26px;display:inline-flex;align-items:center;gap:14px;border:1px solid var(--gold2);background:linear-gradient(90deg,rgba(233,184,75,.07),rgba(233,184,75,.01));padding:12px 15px;border-radius:10px}
.battle-clock span{color:#b7bcca;font-size:12px;font-weight:800;letter-spacing:.09em}
.battle-clock strong{font-size:22px;color:var(--gold)}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.stat-card{min-height:118px;padding:16px;border-radius:14px;border:1px solid var(--line);background:linear-gradient(180deg,#121923,#0b1017);display:flex;flex-direction:column;justify-content:space-between}
.stat-card span{font-size:11px;font-weight:900;letter-spacing:.11em;color:#969fab}
.stat-card strong{font-size:16px;line-height:1.35}
.stat-card.gold{border-top:2px solid var(--gold)}.stat-card.red{border-top:2px solid var(--red)}.stat-card.blue{border-top:2px solid var(--blue)}.stat-card.green{border-top:2px solid var(--green)}
.visual-block{padding:28px 0}
.section-kicker{display:flex;gap:16px;align-items:flex-start;margin-bottom:14px}
.section-kicker>span,.section-number{color:#0d0e11;background:var(--gold);font-weight:1000;border-radius:8px;padding:7px 10px;font-size:12px;min-width:36px;text-align:center}
.section-kicker h2{margin:0 0 6px;font-size:26px}.section-kicker p{margin:0;color:var(--muted);max-width:800px;line-height:1.55}
.visual-frame{padding:10px;border:1px solid #2b3443;border-radius:18px;background:linear-gradient(180deg,#111722,#090d13);box-shadow:0 30px 80px rgba(0,0,0,.32);overflow:hidden}
.visual-frame img{display:block;width:100%;height:auto;border-radius:10px}
.visual-frame.insurance{max-width:1020px;margin:auto}
.strategy-shell{display:grid;grid-template-columns:240px 1fr;gap:18px;padding:46px 0 70px;align-items:start}
.toc-card{position:sticky;top:14px;border:1px solid #2a3341;background:rgba(13,17,24,.94);backdrop-filter:blur(10px);border-radius:14px;padding:15px}
.toc-title{color:var(--gold);font-size:12px;font-weight:900;letter-spacing:.1em;margin-bottom:10px}
.toc-links{display:flex;flex-direction:column;gap:5px}
.toc-links a{color:#aeb5c0;text-decoration:none;padding:8px 9px;border-radius:8px;font-size:12px;line-height:1.25;border:1px solid transparent}
.toc-links a:hover{color:#fff;border-color:#303a49;background:#111824}
.strategy-card{border:1px solid #2a3341;background:linear-gradient(180deg,rgba(16,22,31,.97),rgba(9,13,19,.98));border-radius:18px;padding:clamp(18px,4vw,42px)}
.strategy-header{display:flex;gap:12px;align-items:center;padding-bottom:20px;border-bottom:1px solid #28313e}
.strategy-header h2{margin:0;font-size:30px}
.prose{max-width:850px;margin:auto;padding-top:18px}
.prose h1{font-size:34px;margin:46px 0 15px;color:#fff;border-top:1px solid #28313e;padding-top:28px}
.prose h1:first-child{border-top:0;padding-top:0}
.prose h2{font-size:22px;margin:31px 0 12px;color:#f1c45a}
.prose p,.prose li{font-size:16px;line-height:1.75;color:#c3c9d3}
.prose strong{color:#fff}
.prose p strong{color:#f5cf72}
.prose ul{padding-inline-start:23px}
.prose hr{border:0;border-top:1px solid #28313e;margin:34px 0}
.prose blockquote{border-inline-start:3px solid var(--gold);margin:22px 0;padding:4px 18px;color:#d7dce4;background:#0c1118}
footer{width:min(var(--max),calc(100% - 32px));margin:auto;padding:0 0 38px;display:flex;align-items:center;gap:14px;color:#808a98;font-size:12px}
.footer-line{height:1px;background:#2a3341;flex:1}
footer strong{color:var(--gold)}footer a{margin-inline-start:auto;color:#aab2be;text-decoration:none}
body[dir="rtl"] .hero-copy,body[dir="rtl"] .prose,body[dir="rtl"] .section-kicker,body[dir="rtl"] .stat-card{text-align:right}
@media(max-width:850px){
  .topbar{align-items:flex-start;flex-direction:column}
  .langs{width:100%;justify-content:flex-start}
  body[dir="rtl"] .langs{justify-content:flex-end}
  .hero{grid-template-columns:1fr;padding-top:38px}
  .hero h1{font-size:48px}
  .strategy-shell{grid-template-columns:1fr}
  .toc-card{position:relative;top:auto}
  .toc-links{display:grid;grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  main,.topbar,footer{width:min(100% - 20px,var(--max))}
  .hero-grid{grid-template-columns:1fr}
  .hero h1{font-size:39px}
  .heroLead{font-size:16px}
  .visual-frame{padding:5px;border-radius:11px}
  .visual-frame img{border-radius:7px}
  .section-kicker h2{font-size:21px}
  .section-kicker p{font-size:13px}
  .strategy-card{padding:16px 14px}
  .prose h1{font-size:26px}.prose h2{font-size:20px}.prose p,.prose li{font-size:15px;line-height:1.68}
  .toc-links{grid-template-columns:1fr}
  footer{flex-wrap:wrap}
}