:root{color-scheme:light;--bg: #f7f9fb;--surface: #ffffff;--surface-muted: #eef3f6;--text: #15202b;--muted: #52606d;--line: #d8e0e6;--accent: #0f7b6c;--accent-strong: #0a5d52;--warning: #a86100;--shadow: 0 16px 48px rgba(21, 32, 43, .08)}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--text);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;line-height:1.5}a{color:inherit}.site-header,.site-footer,.page-shell{width:min(1120px,calc(100% - 32px));margin:0 auto}.site-header{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:22px 0}.brand{display:inline-flex;align-items:center;gap:10px;font-weight:750;text-decoration:none}.brand-mark{display:grid;width:34px;height:34px;place-items:center;border-radius:8px;background:var(--text);color:#fff;font-size:15px}.nav-links{display:flex;flex-wrap:wrap;gap:14px;color:var(--muted);font-size:.95rem}.nav-links a{text-decoration:none}.nav-links a:hover,.related-card:hover strong{color:var(--accent-strong)}.hero{display:grid;grid-template-columns:minmax(0,.95fr) minmax(320px,1.05fr);gap:28px;align-items:start;padding:36px 0 24px}.hero-copy h1{max-width:760px;margin:10px 0 14px;font-size:clamp(2.2rem,5vw,4.8rem);line-height:.96}.hero-copy p{max-width:640px;margin:0;color:var(--muted);font-size:1.08rem}.eyebrow{margin:0;color:var(--accent-strong);font-size:.8rem;font-weight:750;letter-spacing:0;text-transform:uppercase}.metric-strip{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-top:24px}.metric{padding:14px;border:1px solid var(--line);border-radius:8px;background:var(--surface)}.metric span{display:block;color:var(--muted);font-size:.82rem}.metric strong{display:block;margin-top:4px;font-size:1.12rem}.calculator-panel{border:1px solid var(--line);border-radius:8px;background:var(--surface);box-shadow:var(--shadow)}.panel-header{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;padding:22px;border-bottom:1px solid var(--line)}.panel-header h2{margin:4px 0 0;font-size:1.25rem}.freshness{white-space:nowrap;color:var(--muted);font-size:.86rem}.calculator-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(240px,.86fr);gap:18px;padding:22px}.calculator-form{display:grid;gap:14px}label{display:grid;gap:7px;color:var(--muted);font-size:.9rem;font-weight:650}input{width:100%;min-height:46px;border:1px solid var(--line);border-radius:8px;background:#fbfdfe;color:var(--text);font:inherit;padding:10px 12px}input:focus{outline:3px solid rgba(15,123,108,.18);border-color:var(--accent)}.result-box{display:grid;align-content:start;gap:14px;padding:18px;border-radius:8px;background:#102a43;color:#fff}.result-label{margin:0;color:#b9d6e8;font-size:.88rem}.result-box>strong{font-size:clamp(2rem,4vw,3rem);line-height:1}.breakdown{display:grid;gap:9px;margin:0}.breakdown div{display:flex;justify-content:space-between;gap:12px;padding-top:9px;border-top:1px solid rgba(255,255,255,.16)}.breakdown dt{color:#b9d6e8}.breakdown dd{margin:0;font-weight:750}.content-section{padding:34px 0}.content-section h2{margin:0 0 16px;font-size:1.55rem}.content-section h3{margin:0 0 8px;font-size:1.08rem}.content-section>p{max-width:780px;color:var(--muted)}.insight-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.insight-grid article{min-height:176px;padding:18px;border:1px solid var(--line);border-radius:8px;background:var(--surface)}.insight-grid p,.two-column p{margin:0;color:var(--muted)}.two-column{display:grid;grid-template-columns:minmax(0,1fr) minmax(280px,.82fr);gap:30px;align-items:start}.two-column div{display:grid;gap:12px}.check-list{display:grid;gap:10px;margin:0;padding:0;list-style:none}.check-list li{position:relative;padding-left:24px;color:var(--muted)}.check-list li:before{position:absolute;left:0;top:.45em;width:8px;height:8px;border-radius:999px;background:var(--accent);content:""}.source-note{max-width:920px;margin:10px 0 0;padding:14px 16px;border:1px solid var(--line);border-radius:8px;background:var(--surface);color:var(--muted);font-size:.92rem}.source-note a{color:var(--accent-strong);font-weight:700}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:8px;background:var(--surface)}table{width:100%;border-collapse:collapse;min-width:620px}th,td{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left}th{color:var(--muted);font-size:.82rem;text-transform:uppercase}tr:last-child td{border-bottom:0}.bar-list{display:grid;gap:14px}.bar-row{display:grid;grid-template-columns:minmax(180px,280px) minmax(180px,1fr);gap:18px;align-items:center;padding:16px;border:1px solid var(--line);border-radius:8px;background:var(--surface)}.bar-label{display:grid;gap:3px}.bar-label span{color:var(--muted);font-size:.9rem}.bar-track{height:14px;border-radius:999px;background:var(--surface-muted);overflow:hidden}.bar-track span{display:block;height:100%;border-radius:inherit;background:var(--accent)}.faq-list{display:grid;gap:10px}details{border:1px solid var(--line);border-radius:8px;background:var(--surface)}summary{cursor:pointer;padding:16px 18px;font-weight:750}details p{margin:0;padding:0 18px 18px;color:var(--muted)}.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.related-card{display:grid;gap:8px;min-height:132px;padding:18px;border:1px solid var(--line);border-radius:8px;background:var(--surface);text-decoration:none}.related-card span{color:var(--muted)}.site-footer{padding:30px 0 46px;color:var(--muted);font-size:.9rem}.home-list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;padding:24px 0 54px}@media(max-width:900px){.hero,.calculator-grid,.bar-row,.related-grid,.insight-grid,.two-column,.home-list{grid-template-columns:1fr}.hero-copy h1{font-size:clamp(2.2rem,12vw,3.8rem)}}@media(max-width:640px){.site-header{align-items:flex-start;flex-direction:column}.metric-strip{grid-template-columns:1fr}.panel-header{flex-direction:column}.freshness{white-space:normal}}