:root{--ink:#172033;--muted:#5d687b;--blue:#185adb;--blue2:#0d3f9d;--aqua:#dff7f3;--warm:#fff6df;--line:#dfe5ee;--card:#fff;--bg:#f6f8fc;--ok:#087f5b;--shadow:0 12px 32px rgba(20,40,90,.09);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink)}*{box-sizing:border-box}body{margin:0;background:var(--bg);line-height:1.62}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(1120px,calc(100% - 32px));margin:auto}.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.bar{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:850;font-size:1.24rem;letter-spacing:-.03em}.mark{display:grid;place-items:center;width:38px;height:38px;border-radius:12px;color:#fff;background:linear-gradient(145deg,var(--blue),#35b9a2);font-size:1.2rem}.nav{display:flex;gap:24px;font-weight:650;font-size:.94rem}.nav a{color:#37445a}.hero{padding:72px 0 55px;background:radial-gradient(circle at 80% 0,#cceee9 0,transparent 34%),linear-gradient(145deg,#edf3ff,#fff 55%)}.eyebrow{display:inline-flex;padding:6px 11px;border-radius:999px;background:#e5edff;color:var(--blue2);font-size:.8rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em}.hero h1{max-width:760px;font-size:clamp(2.35rem,6vw,4.7rem);line-height:1.02;letter-spacing:-.055em;margin:18px 0}.hero p{font-size:1.15rem;color:var(--muted);max-width:720px}.button{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:#fff;border:0;border-radius:11px;padding:13px 18px;font-weight:780;cursor:pointer;font-size:1rem}.button:hover{background:var(--blue2);text-decoration:none}.section{padding:54px 0}.section h2{font-size:clamp(1.65rem,3vw,2.4rem);line-height:1.15;letter-spacing:-.035em;margin:0 0 10px}.lead{color:var(--muted);max-width:720px;margin:0 0 26px}.grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.tool-card,.content-card,.calc,.result{background:var(--card);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow)}.tool-card{padding:25px;display:flex;flex-direction:column}.tool-card .icon{font-size:1.65rem}.tool-card h3{font-size:1.3rem;margin:12px 0 5px}.tool-card p{color:var(--muted);margin:0 0 18px;flex:1}.tool-card a{font-weight:780}.band{background:#12244b;color:#fff}.band .lead{color:#c8d4ed}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.step{padding:22px;border:1px solid rgba(255,255,255,.15);border-radius:16px}.step b{display:block;color:#7ee0ce;font-size:1.1rem}.tool-hero{padding:48px 0 26px}.breadcrumbs{font-size:.86rem;color:var(--muted);margin-bottom:14px}.tool-hero h1{font-size:clamp(2rem,5vw,3.55rem);line-height:1.04;letter-spacing:-.05em;margin:0 0 13px;max-width:850px}.tool-hero p{color:var(--muted);font-size:1.08rem;max-width:760px}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(300px,.88fr);gap:24px;align-items:start}.calc{padding:25px}.calc h2,.result h2{margin-top:0}.fields{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.field{display:flex;flex-direction:column;gap:6px}.field.full{grid-column:1/-1}label{font-weight:720;font-size:.91rem}input,select{width:100%;border:1px solid #bac5d6;background:#fff;border-radius:10px;padding:12px 13px;font:inherit;color:var(--ink)}input:focus,select:focus{outline:3px solid #c8d8ff;border-color:var(--blue)}.help{font-size:.8rem;color:var(--muted)}.actions{display:flex;gap:10px;margin-top:20px}.result{padding:25px;position:sticky;top:94px;background:linear-gradient(160deg,#fff,#f2f7ff)}.result .big{font-size:clamp(2rem,5vw,3.25rem);line-height:1;font-weight:880;letter-spacing:-.04em;color:var(--blue2);margin:8px 0}.result .sub{color:var(--muted)}.result-list{list-style:none;padding:0;margin:18px 0 0}.result-list li{display:flex;justify-content:space-between;gap:18px;padding:10px 0;border-top:1px solid var(--line)}.result-list strong{text-align:right}.note{background:var(--warm);border-left:4px solid #e7a400;padding:14px 16px;border-radius:8px;margin:22px 0;color:#5f470a}.safe{background:#e8f8f3;border-left-color:var(--ok);color:#095b43}.article{max-width:820px}.article h2{margin-top:36px}.article h3{margin-top:26px}.article table{width:100%;border-collapse:collapse;background:#fff}.article th,.article td{text-align:left;padding:11px;border:1px solid var(--line)}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:15px 17px;margin:10px 0}.faq summary{font-weight:780;cursor:pointer}.faq p{color:var(--muted)}footer{background:#0e1930;color:#cbd5e7;padding:42px 0 25px;margin-top:58px}.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}.foot h3{color:#fff}.foot a{color:#d9e5ff;display:block;margin:7px 0}.copyright{border-top:1px solid #2a3854;padding-top:20px;margin-top:30px;font-size:.86rem}.small{font-size:.86rem;color:var(--muted)}@media(max-width:760px){.nav{display:none}.hero{padding:48px 0}.grid,.steps,.calculator-layout,.foot{grid-template-columns:1fr}.fields{grid-template-columns:1fr}.field.full{grid-column:auto}.result{position:static}.section{padding:38px 0}.tool-hero{padding-top:34px}}