:root{--ink:#173147;--text:#4f646d;--muted:#708087;--line:#d8deda;--paper:#f7f5ef;--white:#fff;--blue:#2e85ad;--soft:#eef3f0;--sand:#f5efe6;--green:#587968;--danger:#8c4a3a}
*{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;background:var(--paper);color:var(--text);line-height:1.65}
a{color:#315f7c}.container{width:min(1180px,calc(100% - 32px));margin:auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(247,245,239,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.header-inner{display:flex;align-items:center;gap:26px;min-height:72px}.brand{font-weight:850;letter-spacing:.18em;color:var(--ink);text-decoration:none;font-size:.9rem}.main-nav{display:flex;gap:19px;align-items:center;flex:1}.main-nav a{text-decoration:none;color:#53666b;font-size:.88rem}.main-nav a:hover{text-decoration:underline}.header-tools{display:flex;gap:12px}
.hero{padding:72px 0 58px;border-bottom:1px solid var(--line);background:linear-gradient(120deg,#fbfaf6 0 58%,#f0efe9 58% 100%)}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}.hero-art{min-height:360px;border:1px solid #e4e1da;background:linear-gradient(35deg,transparent 0 25%,rgba(46,133,173,.12) 25% 36%,transparent 36%),linear-gradient(145deg,#f8f6f1 0 35%,#deddd7 35% 47%,#b7c1c7 47% 61%,#e6d7bf 61% 78%,#f8f6f1 78%)}
.eyebrow{font-size:.72rem;text-transform:uppercase;letter-spacing:.15em;font-weight:800;color:#638395}h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--ink);font-weight:500}h1{font-size:clamp(3rem,6vw,5.3rem);line-height:.98;letter-spacing:-.045em;margin:.2em 0}h2{font-size:clamp(1.8rem,3.2vw,2.8rem);line-height:1.08}h3{font-size:1.25rem}.lede{font-size:1.1rem;max-width:780px}
.button-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-flex;align-items:center;padding:12px 17px;border-radius:2px;text-decoration:none;font-weight:750;font-size:.9rem;border:1px solid var(--line);cursor:pointer}.btn-primary{background:var(--blue);color:white;border-color:var(--blue)}.btn-secondary{background:transparent;color:var(--ink)}
.section{padding:50px 0}.section-tight{padding:28px 0}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);padding:24px;min-height:180px}.card p{margin-bottom:0}.card a{font-weight:750}.card .eyebrow{margin-top:0}
.article{max-width:850px}.article-wrap{display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:48px;padding:38px 0 52px}.breadcrumbs{font-size:.82rem;margin:18px auto;color:var(--muted)}.breadcrumbs a{color:inherit}.meta-row{display:flex;gap:18px;flex-wrap:wrap;font-size:.78rem;color:var(--muted);border-block:1px solid var(--line);padding:12px 0}.answer-panel{background:var(--soft);border-left:3px solid #6e9378;padding:20px;margin:28px 0}
.table-wrap{overflow-x:auto}table{width:100%;border-collapse:collapse;background:#fff;margin:18px 0 28px}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{color:var(--ink);background:#f4f7f4}
.calculator-shell{background:#fff;border:1px solid var(--line);margin:28px 0}.calculator-top{padding:16px 20px;background:#f4f7f4;border-bottom:1px solid var(--line);font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em}.calculator-body{display:grid;grid-template-columns:1fr 1fr;gap:24px;padding:22px}.field label{font-weight:750;color:var(--ink);display:block;margin-bottom:8px}.field input,.field select,.contact-form input,.contact-form textarea{width:100%;padding:12px;border:1px solid #bbc7c7;font:inherit;background:#fff}.results{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);margin-top:14px}.result{padding:12px;text-align:center}.result+.result{border-left:1px solid var(--line)}.result small{display:block;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:750}.result strong{display:block;color:var(--ink);font-size:1.25rem;margin-top:5px}.notice{background:var(--sand);padding:14px;font-size:.9rem}.article section{margin:42px 0}.article ul,.article ol{padding-left:22px}.sources a{word-break:break-word}.toc{position:sticky;top:95px;height:max-content;border-left:1px solid #b8c8c6;padding-left:18px;font-size:.88rem}.toc a{display:block;margin:9px 0;text-decoration:none;color:#5b6b70}
.status-strip{border-bottom:1px solid var(--line);background:#fff;padding:10px 0;font-size:.78rem}.status-strip strong{color:var(--green)}.ad-slot{display:none}.contact-form{max-width:680px}.contact-form .field{margin-bottom:16px}.hp{position:absolute;left:-9999px}.trust-note{padding:18px;border:1px solid var(--line);background:#fff}
.footer{margin-top:70px;background:#173147;color:#dce5e7;padding:46px 0}.footer-grid{display:grid;grid-template-columns:1.1fr 2fr;gap:40px}.footer a{color:#dce5e7}.footer-links{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.footer small{color:#afc0c5}
@media(max-width:940px){.main-nav{overflow-x:auto;white-space:nowrap}.hero-grid,.article-wrap,.calculator-body,.footer-grid{grid-template-columns:1fr}.grid-3{grid-template-columns:1fr 1fr}.toc{display:none}}
@media(max-width:640px){.main-nav{display:none}.grid-3,.grid-2{grid-template-columns:1fr}.hero{padding-top:42px}.hero-art{min-height:230px}.results{grid-template-columns:1fr}.result+.result{border-left:0;border-top:1px solid var(--line)}}
@media print{.site-header,.footer,.toc,.btn,.status-strip{display:none!important}body{background:white}.container{width:100%}}