.vd-hero { background: linear-gradient(135deg, var(--vd-from, #1a3a5c) 0%, var(--vd-to, #243b53) 100%); color: #fff; padding: 2.5rem 0; }
.stat-strip { background: #f8fafc; border-top: 1px solid #e2e8f0; border-bottom: 1px solid #e2e8f0; }
.stat-item { text-align: center; padding: 1.1rem .5rem; }
.stat-item .sv { font-size: 1.5rem; font-weight: 700; line-height: 1.1; }
.stat-item .sl { font-size: .7rem; text-transform: uppercase; letter-spacing: .05em; color: #64748b; margin-top: .15rem; }
.cs { background: #fff; border-radius: 12px; box-shadow: 0 1px 8px rgba(0,0,0,.07); padding: 1.75rem; margin-bottom: 1.75rem; }
.cs h2 { font-size: 1.15rem; font-weight: 700; color: #1a3a5c; border-bottom: 2px solid #e2e8f0; padding-bottom: .5rem; margin-bottom: 1.1rem; }
.step-w { display: flex; gap: .85rem; margin-bottom: 1.35rem; }
.step-n { width: 34px; height: 34px; border-radius: 50%; background: #1a3a5c; color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .85rem; flex-shrink: 0; margin-top: 2px; }
.atty-cta { background: linear-gradient(135deg, #1a3a5c, #c53030); color: #fff; border-radius: 14px; }
.toc-link { display: block; padding: .3rem 1rem; color: #495057; text-decoration: none; border-left: 3px solid transparent; font-size: .85rem; }
.toc-link:hover, .toc-link.active { color: #1a3a5c; border-left-color: #1a3a5c; background: #f8fafc; font-weight: 600; }
.disclaimer { background: #fffbeb; border: 1px solid #fde68a; border-radius: 8px; font-size: .875rem; }