:root{--mmb-primary:#0f172a;--mmb-accent:#3756b5;--mmb-bg:#f8fbff;--mmb-surface:#ffffff;--mmb-muted:#5b6475;--mmb-line:#dbe3f0;--mmb-shadow:0 16px 44px rgba(15,23,42,.09)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,sans-serif;background:var(--mmb-bg);color:#111827;line-height:1.65}
a{color:var(--mmb-accent);text-decoration:none}a:hover{text-decoration:underline}
.mmb-wrap{max-width:1240px;margin:0 auto;padding:0 20px}
.mmb-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--mmb-line)}
.mmb-header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}
.mmb-brand{font-weight:800;font-size:1.12rem;color:var(--mmb-primary)}
.mmb-nav{display:flex;flex-wrap:wrap;gap:14px}
.mmb-nav a{font-weight:600;color:#1f2937}
.mmb-breadcrumb{font-size:.92rem;color:var(--mmb-muted);padding:12px 0 0}
.mmb-hero{padding:42px 0 22px}
.mmb-kicker{display:inline-block;padding:6px 12px;border-radius:999px;background:rgba(37,99,235,.08);color:var(--mmb-accent);font-size:.84rem;font-weight:700;margin-bottom:14px}
.mmb-hero h1{font-size:clamp(2rem,4vw,3.6rem);line-height:1.08;color:var(--mmb-primary);margin:0 0 12px}
.mmb-hero p{font-size:1.06rem;color:#334155;max-width:860px;margin:0}
.mmb-grid{display:grid;gap:18px}
.mmb-grid-2{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.mmb-grid-3{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.mmb-grid-4{grid-template-columns:repeat(auto-fit,minmax(210px,1fr))}
.mmb-card,.mmb-tile{background:var(--mmb-surface);border:1px solid var(--mmb-line);border-radius:18px;box-shadow:var(--mmb-shadow)}
.mmb-card{padding:20px}
.mmb-tile{display:block;padding:18px;transition:transform .18s ease, box-shadow .18s ease,border-color .18s ease}
.mmb-tile:hover{transform:translateY(-2px);box-shadow:0 20px 52px rgba(15,23,42,.12);border-color:rgba(55,86,181,.35)}
.mmb-card h3,.mmb-tile h3{margin:0 0 10px;color:var(--mmb-primary);line-height:1.25}
.mmb-card p,.mmb-tile p{margin:0;color:#475569}
.mmb-section{padding:10px 0 28px}
.mmb-section h2{font-size:1.5rem;color:var(--mmb-primary);margin:0 0 14px}
.mmb-section-intro{margin:0 0 16px;color:#475569}
.mmb-article{background:var(--mmb-surface);border:1px solid var(--mmb-line);border-radius:18px;box-shadow:var(--mmb-shadow);padding:24px}
.mmb-article h1,.mmb-article h2,.mmb-article h3{color:var(--mmb-primary)}
.mmb-article table{width:100%;border-collapse:collapse}
.mmb-article th,.mmb-article td{border:1px solid var(--mmb-line);padding:8px 10px}
.mmb-footer{margin-top:36px;background:#fff;border-top:1px solid var(--mmb-line)}
.mmb-footer-inner{padding:18px 0;color:var(--mmb-muted);font-size:.93rem}
.mmb-footer-links{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:8px}
.mmb-disclosure{display:block;margin-top:8px}
.mmb-badge{display:inline-block;padding:4px 10px;border-radius:999px;background:#eef5ff;color:#234;font-size:.82rem;font-weight:700}
.mmb-kpr-hero{background:linear-gradient(180deg,rgba(185,28,28,.08),rgba(185,28,28,0) 58%)}
.mmb-mag-lead{display:grid;grid-template-columns:1.4fr .9fr;gap:18px;margin-top:18px}
.mmb-mag-aside{display:grid;gap:18px}
.mmb-mag-note{font-size:.95rem;color:#475569}
.mmb-kpi{display:flex;gap:12px;flex-wrap:wrap;margin-top:14px}
.mmb-kpi .mmb-badge{background:#fff1f2;color:#8f1230}
@media (max-width:900px){.mmb-mag-lead{grid-template-columns:1fr}}
@media (max-width:640px){.mmb-header-inner{flex-direction:column;align-items:flex-start}}