:root{
  --bg:#f7fbff;--surface:#fff;--ink:#17233c;--muted:#5e6f8f;--soft:#e6eef9;--line:#cddbed;--blue:#2878e6;--blue-2:#0f64d6;--blue-soft:#eaf3ff;--green:#2ea876;--red:#e15b64;--shadow:0 24px 70px rgba(39,67,108,.14);--radius:24px;--max:1180px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:radial-gradient(circle at 15% 0,rgba(40,120,230,.08),transparent 32%),linear-gradient(180deg,#fbfdff 0%,var(--bg) 100%);line-height:1.58;}
body:before{content:"";position:fixed;inset:0;pointer-events:none;background-image:linear-gradient(rgba(95,129,176,.12) 1px,transparent 1px),linear-gradient(90deg,rgba(95,129,176,.12) 1px,transparent 1px);background-size:34px 34px;mask-image:linear-gradient(to bottom,rgba(0,0,0,.75),rgba(0,0,0,.15));z-index:-1}.container{width:min(var(--max),calc(100% - 40px));margin:0 auto}.skip-link{position:absolute;left:-999px;top:10px;background:#fff;color:var(--ink);padding:10px 14px;border:1px solid var(--blue);z-index:10}.skip-link:focus{left:10px}.site-header{position:sticky;top:0;background:rgba(251,253,255,.86);backdrop-filter:blur(18px);border-bottom:1px solid var(--line);z-index:20}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;height:76px}.logo{display:inline-flex;align-items:center;text-decoration:none}.logo img{width:205px;height:auto;display:block}.main-nav{display:flex;align-items:center;gap:18px;font-size:13px}.main-nav a{color:#26364f;text-decoration:none;border-bottom:2px solid transparent;padding:27px 0 24px;white-space:nowrap}.main-nav a:hover,.main-nav a.active{color:var(--blue);border-color:var(--blue)}.header-note{display:flex;align-items:center;gap:10px;color:#25364f;font-size:14px;line-height:1.25}.shield{width:36px;height:36px;border:1px solid var(--line);border-radius:12px;display:grid;place-items:center;color:var(--blue);background:#fff}.mobile-menu{display:none;border:1px solid var(--line);background:#fff;border-radius:12px;padding:9px 12px;color:var(--ink)}
.hero{padding:64px 0 38px}.hero-grid{display:grid;grid-template-columns:minmax(320px,470px) 1fr;gap:42px;align-items:center}.eyebrow{display:inline-flex;gap:8px;align-items:center;padding:8px 12px;border:1px solid var(--line);border-radius:999px;background:rgba(255,255,255,.72);font-size:13px;color:var(--muted);font-weight:700}.eyebrow:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--blue);box-shadow:0 0 0 5px rgba(40,120,230,.1)}h1{font-size:clamp(40px,5vw,72px);line-height:.98;letter-spacing:-.055em;margin:22px 0 22px}h2{font-size:clamp(30px,3.4vw,48px);line-height:1.04;letter-spacing:-.045em;margin:0 0 18px}h3{font-size:24px;line-height:1.18;margin:0 0 14px;letter-spacing:-.02em}.lead{font-size:20px;color:var(--muted);max-width:720px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;border-radius:14px;padding:15px 20px;font-weight:800;text-decoration:none;cursor:pointer;transition:.2s ease;white-space:nowrap}.btn-primary{background:linear-gradient(135deg,var(--blue),#4d9aff);color:#fff;box-shadow:0 14px 34px rgba(40,120,230,.28)}.btn-primary:hover{transform:translateY(-2px);box-shadow:0 18px 40px rgba(40,120,230,.34)}.btn-secondary{background:#fff;color:var(--ink);border:1px solid var(--line)}.btn-secondary:hover{border-color:var(--blue);color:var(--blue)}.hero-features{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:38px}.feature-mini{display:flex;align-items:flex-start;gap:12px;padding:14px;border:1px solid var(--line);border-radius:18px;background:rgba(255,255,255,.72)}.feature-mini svg{flex:0 0 auto;color:var(--blue)}.feature-mini b{display:block;font-size:14px}.feature-mini span{display:block;font-size:13px;color:var(--muted)}.hero-visual{position:relative}.hero-visual img{width:100%;height:auto;display:block;filter:drop-shadow(0 28px 45px rgba(39,67,108,.12))}.stat-ribbon{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:20px auto 6px}.stat-card{padding:18px;border:1px solid var(--line);background:rgba(255,255,255,.78);border-radius:18px}.stat-card b{display:block;font-size:24px;line-height:1;color:var(--blue)}.stat-card span{font-size:13px;color:var(--muted)}
.section{padding:58px 0}.section-head{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:26px}.section-head p{max-width:660px;color:var(--muted);margin:0}.card{background:rgba(255,255,255,.86);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.calculator-shell{overflow:hidden}.calc-top{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:24px;border-bottom:1px solid var(--line)}.calc-tabs{display:flex;flex-wrap:wrap;gap:10px}.tab-btn{border:1px solid var(--line);background:#fff;border-radius:999px;color:var(--ink);font-weight:800;padding:10px 14px;cursor:pointer}.tab-btn.active{background:var(--blue);border-color:var(--blue);color:#fff}.calc-updated{font-size:13px;color:var(--muted)}.calc-panel{display:none;padding:24px}.calc-panel.active{display:block}.calc-layout{display:grid;grid-template-columns:minmax(280px,360px) 1fr;gap:22px}.calc-form{padding:22px;background:linear-gradient(180deg,#fff,#f8fbff);border:1px solid var(--line);border-radius:20px}.field{margin-bottom:16px}.field label{display:flex;justify-content:space-between;gap:10px;margin-bottom:7px;font-size:13px;color:#41516c;font-weight:800}.field input,.field select{width:100%;border:1px solid var(--line);border-radius:13px;background:#fff;color:var(--ink);font:inherit;font-weight:750;padding:12px 13px;outline:none}.field input:focus,.field select:focus{border-color:var(--blue);box-shadow:0 0 0 4px rgba(40,120,230,.11)}.range-note{font-size:12px;color:var(--muted);margin-top:5px}.result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.result-item{padding:16px;border:1px solid var(--line);border-radius:18px;background:rgba(255,255,255,.78)}.result-item span{font-size:12px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:800}.result-item strong{display:block;font-size:22px;margin-top:5px;letter-spacing:-.02em}.result-item.big{grid-column:1/-1;background:linear-gradient(135deg,#f1f7ff,#fff)}.result-item.big strong{font-size:32px;color:var(--blue)}.chart-card{margin-top:14px;padding:16px;border:1px dashed #b8cbe4;border-radius:18px;background:#fbfdff}.chart-card canvas{width:100%;max-height:360px}.conclusion{margin-top:14px;padding:15px 16px;border-left:4px solid var(--blue);background:var(--blue-soft);border-radius:14px;color:#26364f}.content-grid{display:grid;grid-template-columns:2fr 1fr;gap:24px;align-items:start}.article{padding:34px}.article h1{font-size:clamp(36px,4vw,58px);margin-top:6px}.article p{color:#374761}.article ul,.article ol{color:#374761}.article a{color:var(--blue);font-weight:700}.article table{width:100%;border-collapse:separate;border-spacing:0;margin:22px 0;overflow:hidden;border:1px solid var(--line);border-radius:16px;background:#fff}.article th,.article td{padding:14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.article th{background:#f1f6ff;color:#26364f}.article tr:last-child td{border-bottom:0}.toc{position:sticky;top:96px;padding:22px}.toc b{display:block;margin-bottom:12px}.toc a{display:block;text-decoration:none;color:#41516c;border-left:2px solid var(--line);padding:8px 0 8px 12px}.toc a:hover{color:var(--blue);border-color:var(--blue)}.source-note{font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:16px;margin-top:22px}.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:18px}.breadcrumb a{color:var(--muted);text-decoration:none}.breadcrumb a:hover{color:var(--blue)}.answer-box{padding:20px;border:1px solid #b9d4f5;background:linear-gradient(135deg,#eef6ff,#fff);border-radius:20px;margin:22px 0}.answer-box b{display:block;margin-bottom:6px;color:var(--blue)}.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.info-card{padding:22px;border:1px solid var(--line);border-radius:22px;background:rgba(255,255,255,.82)}.info-card .num{font-size:32px;font-weight:900;color:var(--blue);line-height:1}.faq{display:grid;gap:12px;margin-top:22px}.faq details{border:1px solid var(--line);background:#fff;border-radius:16px;padding:16px}.faq summary{font-weight:850;cursor:pointer;color:#23324c}.faq p{margin:12px 0 0}.callout{padding:24px;border-radius:24px;background:linear-gradient(135deg,#17233c,#244167);color:#fff;display:flex;align-items:center;justify-content:space-between;gap:20px}.callout p{color:#cfe0ff;margin:0}.callout h2{font-size:30px;color:#fff}.site-footer{border-top:1px solid var(--line);padding:34px 0;background:rgba(255,255,255,.72);margin-top:40px}.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:24px}.footer-grid a{color:#41516c;text-decoration:none;display:block;margin:6px 0}.footer-grid a:hover{color:var(--blue)}.footer-small{margin-top:22px;padding-top:18px;border-top:1px solid var(--line);font-size:13px;color:var(--muted)}.pill-list{display:flex;flex-wrap:wrap;gap:9px;margin:18px 0}.pill{border:1px solid var(--line);background:#fff;border-radius:999px;padding:7px 11px;font-size:13px;color:#41516c;font-weight:700}.ad-placeholder{display:none}.mono{font-family:ui-monospace,SFMono-Regular,Menlo,Monaco,Consolas,monospace}.warning{border-left:4px solid #f0b429;background:#fff8e6;padding:14px 16px;border-radius:14px;color:#4a3b11}@media (max-width:1100px){.header-note{display:none}.main-nav{gap:14px;font-size:13px}.logo-inline .logo-svg{width:195px}}@media (max-width:980px){.header-note{display:none}.main-nav{display:none;position:absolute;left:20px;right:20px;top:76px;padding:12px;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.main-nav a{padding:10px;border:0}.mobile-menu{display:inline-flex}.hero-grid,.calc-layout,.content-grid{grid-template-columns:1fr}.toc{position:static}.cards-3,.stat-ribbon{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr}.section-head{display:block}.section-head p{margin-top:8px}}@media (max-width:620px){.container{width:min(100% - 28px,var(--max))}.hero{padding-top:38px}h1{font-size:42px}.hero-features,.cards-3,.stat-ribbon,.result-grid{grid-template-columns:1fr}.calc-top{display:block}.calc-tabs{margin-top:14px}.callout{display:block}.btn{width:100%}.article{padding:24px}.logo img{width:180px}.header-inner{height:68px}.main-nav{top:68px}}
@media print{.site-header,.toc,.hero-actions,.btn,.site-footer{display:none}body{background:#fff}.card{box-shadow:none}.article{padding:0;border:0}}

.hero-visual picture,.hero-visual img{width:100%;height:auto;max-height:560px;object-fit:contain;display:block;filter:drop-shadow(0 24px 45px rgba(39,67,108,.14))}.hero-figcaption{margin-top:10px;font-size:13px;color:var(--muted);text-align:center}

/* Article hero image (test batch) */
.article-figure{margin:22px 0;border-radius:20px;overflow:hidden;background:#eef4fc;border:1px solid var(--line)}
.article-figure picture,.article-figure img{display:block;width:100%;height:auto}
.article-figure figcaption{padding:10px 16px;font-size:13px;color:var(--muted);background:#fff;border-top:1px solid var(--line)}