:root{--bg:#f7f9fc;--paper:#fff;--ink:#13243a;--muted:#5b6b7f;--line:#dfe6ee;--accent:#0b6f63;--accent2:#e8f5f2;--navy:#10273f;--warn:#fff7df;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}.container{width:min(var(--max),calc(100% - 32px));margin:auto}a{color:var(--accent);text-decoration-thickness:1px;text-underline-offset:3px}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}.navwrap{min-height:70px;display:flex;align-items:center;gap:24px}.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.22rem;color:var(--navy);text-decoration:none;white-space:nowrap}.mark{display:grid;place-items:center;width:34px;height:34px;border-radius:10px;background:var(--accent);color:#fff;font-weight:900}.mainnav{display:flex;gap:18px;margin-left:auto;align-items:center}.mainnav a{color:#30445a;text-decoration:none;font-size:.94rem}.mainnav a:hover,.mainnav a.active{color:var(--accent)}.menubtn{display:none;margin-left:auto;padding:9px 12px;border:1px solid var(--line);border-radius:9px;background:#fff;color:var(--ink)}.hero{padding:76px 0 52px;background:linear-gradient(135deg,#eef9f7 0%,#f7f9fc 55%,#eef2fb 100%);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center}.kicker,.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-weight:800;font-size:.76rem;color:var(--accent)}h1{font-size:clamp(2.15rem,5vw,4.6rem);line-height:1.05;letter-spacing:-.04em;margin:.15em 0 .35em}h2{font-size:clamp(1.45rem,3vw,2.2rem);line-height:1.15;letter-spacing:-.025em;margin:1.8em 0 .55em}h3{font-size:1.16rem;line-height:1.3}.lead{font-size:1.16rem;color:#43566b;max-width:760px}.hero .lead{font-size:1.25rem}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:10px;background:var(--accent);color:#fff;text-decoration:none;font-weight:750;border:1px solid var(--accent)}.btn.secondary{background:#fff;color:var(--accent)}.hero-panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 20px 60px rgba(22,50,78,.08)}.hero-panel strong{display:block;margin-bottom:12px}.hero-panel a{display:block;padding:12px 0;border-top:1px solid var(--line);text-decoration:none}.section{padding:64px 0}.section.alt{background:#fff;border-block:1px solid var(--line)}.sectionhead{max-width:760px;margin-bottom:26px}.grid4,.grid3,.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid4{grid-template-columns:repeat(4,1fr)}.card{display:block;background:var(--paper);border:1px solid var(--line);border-radius:15px;padding:22px;color:var(--ink);text-decoration:none;transition:.18s transform,.18s box-shadow}.card:hover{transform:translateY(-2px);box-shadow:0 14px 35px rgba(22,50,78,.08)}.card h3{margin:.35rem 0}.card p{color:var(--muted);margin:.45rem 0}.stat{background:var(--navy);color:#fff;padding:24px;border-radius:15px}.stat b{font-size:2rem;display:block}.breadcrumbs{font-size:.88rem;color:var(--muted);padding:24px 0 0}.breadcrumbs span{margin:0 7px}.article{max-width:860px;padding-bottom:70px}.articlehead{padding:44px 0 14px}.articlehead h1{font-size:clamp(2.2rem,5vw,4rem)}.byline{color:var(--muted);font-size:.92rem;margin-top:16px}.notice,.callout{border:1px solid #eedda4;background:var(--warn);padding:16px 18px;border-radius:12px;margin:24px 0}.callout{border-color:#bcded8;background:var(--accent2)}.toc{background:#fff;border:1px solid var(--line);border-radius:13px;padding:18px 22px;margin:28px 0}.toc ol{margin:.6rem 0 0;padding-left:1.25rem}.article section{scroll-margin-top:90px}.article p,.article li{font-size:1.03rem}.article ul{padding-left:1.2rem}.toolpromo{display:flex;justify-content:space-between;align-items:center;gap:20px;background:var(--navy);color:#fff;border-radius:17px;padding:25px!important;margin-top:42px}.toolpromo h2{margin:.15rem 0 .4rem;color:#fff}.toolpromo p{margin:0;color:#dbe6ef}.sources{columns:2}.related{margin-top:50px}.category-hero{padding:58px 0 30px}.category-hero h1{font-size:clamp(2.4rem,5vw,4rem)}.filterbar{display:flex;gap:8px;flex-wrap:wrap;margin:20px 0}.filterbar button{border:1px solid var(--line);background:#fff;padding:9px 12px;border-radius:999px;cursor:pointer}.filterbar button.on{background:var(--accent);color:#fff;border-color:var(--accent)}.calculator{display:grid;grid-template-columns:1fr .9fr;gap:24px;align-items:start}.calcbox,.resultbox{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px}.field{margin-bottom:14px}.field label{display:block;font-weight:700;margin-bottom:5px}.field input,.field select{width:100%;padding:11px 12px;border:1px solid #c9d4df;border-radius:9px;font:inherit;background:#fff;color:var(--ink)}.calcactions{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}.calcactions button{padding:11px 15px;border-radius:9px;border:1px solid var(--accent);background:var(--accent);color:#fff;font-weight:700;cursor:pointer}.calcactions button.secondary{background:#fff;color:var(--accent)}.resultbox{position:sticky;top:92px}.metric{padding:14px 0;border-bottom:1px solid var(--line)}.metric:last-child{border:0}.metric b{display:block;font-size:1.55rem}.small{font-size:.88rem;color:var(--muted)}.legal{max-width:850px;padding:40px 0 70px}.placeholder{border:2px solid #cf7b2a;background:#fff5ea;padding:14px;border-radius:10px}.site-footer{background:#0f2237;color:#dce5ee;padding:52px 0 20px}.footergrid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:32px}.site-footer h2{font-size:1rem;color:#fff;margin:0 0 12px}.site-footer a{color:#dce5ee;display:block;margin:6px 0;text-decoration:none}.site-footer p{color:#b8c7d5}.footerbrand{color:#fff!important;display:flex!important}.footbottom{border-top:1px solid #31465b;margin-top:30px;padding-top:18px;color:#9eb0c1;font-size:.9rem}.searchbox{width:100%;max-width:540px;padding:13px 14px;border:1px solid var(--line);border-radius:10px;font:inherit}.hide{display:none!important}@media(max-width:920px){.mainnav{display:none;position:absolute;left:16px;right:16px;top:64px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px;flex-direction:column;align-items:stretch;box-shadow:0 18px 40px rgba(0,0,0,.1)}.mainnav.open{display:flex}.menubtn{display:block}.hero-grid,.calculator{grid-template-columns:1fr}.grid4{grid-template-columns:repeat(2,1fr)}.grid3,.cards{grid-template-columns:repeat(2,1fr)}.footergrid{grid-template-columns:1fr 1fr}.resultbox{position:static}}@media(max-width:620px){.container{width:min(100% - 22px,var(--max))}.hero{padding:48px 0 36px}.grid4,.grid3,.cards,.footergrid{grid-template-columns:1fr}.toolpromo{flex-direction:column;align-items:flex-start}.sources{columns:1}h1{font-size:2.45rem}.articlehead h1{font-size:2.25rem}}