:root{
  --ink:#14213d;--ink2:#334155;--muted:#556070;--bg:#f5f7fb;--card:#fff;--line:#dfe5ee;
  --brand:#0b5d6b;--brand-d:#084651;--brand-l:#e3f1f3;--accent:#f5a30a;--accent-d:#d98a00;
  --ok:#0f766e;--r:14px;--r-s:8px;--sh:0 1px 2px rgba(20,33,61,.06),0 6px 20px rgba(20,33,61,.07);
  --font:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--ink2);background:var(--bg);padding-bottom:env(safe-area-inset-bottom)}
img,svg{max-width:100%;height:auto}
a{color:var(--brand);text-underline-offset:3px}
a:hover{color:var(--brand-d)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;margin:0 0 .6em;font-weight:750}
h1{font-size:clamp(2rem,4.6vw,3.2rem);letter-spacing:-.02em}
h2{font-size:clamp(1.5rem,3vw,2.05rem);margin-top:1.6em;letter-spacing:-.01em}
h3{font-size:clamp(1.15rem,2vw,1.35rem);margin-top:1.4em}
p{margin:0 0 1.05em}
ul,ol{padding-left:1.25em;margin:0 0 1.2em}
li{margin-bottom:.35em}
.container{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--accent);color:var(--ink);padding:10px 16px;z-index:100}
.skip:focus{left:8px;top:8px}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.site-header .container{display:flex;align-items:center;gap:16px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.1rem;letter-spacing:-.01em}
.brand svg{width:34px;height:34px;flex:none}
.brand span small{display:block;font-size:.68rem;font-weight:600;color:var(--muted);letter-spacing:.04em;text-transform:uppercase}
.main-nav{margin-left:auto}
.main-nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.main-nav a{display:block;padding:10px 12px;border-radius:var(--r-s);text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}
.main-nav a:hover,.main-nav a[aria-current="page"]{background:var(--brand-l);color:var(--brand-d)}
.nav-toggle{display:none;margin-left:auto;min-width:44px;min-height:44px;border:1px solid var(--line);background:#fff;border-radius:var(--r-s);font:inherit;font-weight:700;color:var(--ink);padding:0 14px;cursor:pointer}
@media(max-width:900px){
  .js .nav-toggle{display:block}
  .js .main-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--sh);margin:0}
  .js .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;padding:8px 20px 16px}
  .main-nav a{padding:13px 10px}
  .site-header .container{flex-wrap:wrap}
  .no-js .main-nav{width:100%}
  .no-js .main-nav ul{flex-wrap:wrap;padding:0 0 10px}
}

/* hero */
.hero{background:linear-gradient(135deg,var(--ink) 0%,#12425a 55%,var(--brand) 100%);color:#e7eef6;padding:34px 0 70px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-60px;top:-40px;width:340px;height:340px;background:
 linear-gradient(135deg,rgba(255,255,255,.07) 0 50%,transparent 50%),rgba(255,255,255,.04);transform:rotate(18deg);border-radius:28px}
.hero .container{position:relative;z-index:1}
.hero h1{color:#fff;margin-bottom:.4em;max-width:900px}
.hero .lead{font-size:1.15rem;max-width:760px;color:#d4e0ec;margin-bottom:0}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--accent);margin-bottom:.8em}
.crumbs{font-size:.88rem;margin-bottom:18px;color:#b9c9d9}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0}
.crumbs li{margin:0}
.crumbs li+li::before{content:"/";margin-right:6px;opacity:.6}
.crumbs a{color:#dbe7f2}
.hero.slim{padding-bottom:46px}
.pull{margin-top:-44px;position:relative;z-index:2}

/* layout */
main{display:block}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:36px;padding:40px 0 60px;align-items:start}
@media(max-width:960px){.layout{grid-template-columns:minmax(0,1fr)}}
.article>h2:first-child{margin-top:0}
.aside{position:sticky;top:84px;display:grid;gap:18px}
@media(max-width:960px){.aside{position:static}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh)}
.card h2,.card h3{margin-top:0;font-size:1.1rem}
.card ul{list-style:none;padding:0;margin:0}
.card li{margin:0;border-top:1px solid var(--line)}
.card li:first-child{border-top:0}
.card li a{display:block;padding:9px 0;text-decoration:none;font-weight:600}
.callout{border-left:5px solid var(--accent);background:#fff8e7;border-radius:var(--r-s);padding:14px 18px;margin:1.4em 0}
.callout.info{border-color:var(--brand);background:var(--brand-l)}
.callout strong{color:var(--ink)}
.formula{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;background:#eef2f8;border:1px solid var(--line);border-radius:var(--r-s);padding:12px 16px;margin:1em 0;overflow-x:auto;font-size:.95rem}

/* calculator */
.calc{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:0;background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);overflow:hidden}
@media(max-width:860px){.calc{grid-template-columns:minmax(0,1fr)}}
.calc-form{padding:24px}
.calc-form h2,.calc-form .ct{margin:0 0 14px;font-size:1.2rem;color:var(--ink);font-weight:750}
.field{margin-bottom:14px}
.field label,.field .lab{display:block;font-weight:650;color:var(--ink);font-size:.93rem;margin-bottom:5px}
.inp{display:flex;gap:8px}
input[type=number],select{font:inherit;font-size:16px;min-height:46px;border:1px solid #c3ccd9;border-radius:var(--r-s);background:#fff;color:var(--ink);padding:8px 12px;width:100%}
.inp input{flex:1 1 55%;min-width:0}
.inp select{flex:1 1 45%;min-width:0}
input:focus,select:focus{border-color:var(--brand);outline:3px solid rgba(11,93,107,.25)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:480px){.row2{grid-template-columns:1fr}}
.shape-group[hidden]{display:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:0 22px;border-radius:999px;border:2px solid transparent;font:inherit;font-weight:750;text-decoration:none;cursor:pointer;background:var(--accent);color:var(--ink);transition:transform .15s,box-shadow .15s}
.btn:hover{transform:translateY(-2px);box-shadow:0 6px 16px rgba(217,138,0,.35);color:var(--ink)}
.btn.ghost{background:#fff;border-color:var(--line);color:var(--ink)}
.btn.ghost:hover{box-shadow:var(--sh)}
.results{background:linear-gradient(160deg,var(--brand-d),var(--brand));color:#e8f4f6;padding:24px;display:flex;flex-direction:column;gap:14px}
.res-main{background:rgba(255,255,255,.1);border-radius:var(--r);padding:16px 18px}
.res-main .k{font-size:.8rem;letter-spacing:.07em;text-transform:uppercase;color:#bfe3e8;font-weight:700}
.res-main .v{font-size:clamp(2rem,5vw,2.8rem);font-weight:800;color:#fff;line-height:1.1;margin:4px 0}
.res-main .s{font-size:.95rem;color:#d3eef1}
.res-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.res-grid div{background:rgba(255,255,255,.08);border-radius:var(--r-s);padding:10px 12px}
.res-grid .k{display:block;font-size:.76rem;color:#bfe3e8;font-weight:650}
.res-grid .v{font-weight:750;color:#fff;font-size:1.08rem}
.res-note{font-size:.85rem;color:#c8e6ea;margin:0}
.res-formula{font-size:.88rem;background:rgba(0,0,0,.18);border-radius:var(--r-s);padding:10px 12px;color:#e5f3f5;word-break:break-word;margin:0}
.res-err{color:#ffe1a3;font-weight:650}
.calc-form noscript p{color:#8a4b00;font-weight:600}

/* grids */
.grid{display:grid;gap:14px;grid-template-columns:repeat(auto-fill,minmax(220px,1fr))}
.tile{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;text-decoration:none;color:var(--ink);box-shadow:0 1px 2px rgba(20,33,61,.05);transition:transform .15s,box-shadow .15s,border-color .15s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--sh);border-color:var(--brand);color:var(--ink)}
.tile b{display:block;font-size:1.02rem;margin-bottom:3px}
.tile span{font-size:.88rem;color:var(--muted);line-height:1.4;display:block}
.band{padding:46px 0}
.band.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.search{display:flex;gap:10px;max-width:640px;margin:0 0 6px}
.search input{flex:1;font:inherit;font-size:16px;min-height:50px;border-radius:999px;border:1px solid #c3ccd9;padding:0 20px;width:100%}
.search-out{list-style:none;margin:8px 0 0;padding:0;max-width:640px}
.search-out li{margin:0}
.search-out a{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r-s);padding:10px 14px;margin-bottom:6px;text-decoration:none;font-weight:600}

/* tables */
.table-wrap{overflow-x:auto;margin:1em 0 1.4em;border:1px solid var(--line);border-radius:var(--r-s);background:#fff;-webkit-overflow-scrolling:touch}
table{border-collapse:collapse;width:100%;min-width:420px;font-size:.95rem}
th,td{padding:10px 14px;text-align:left;border-bottom:1px solid var(--line);white-space:nowrap}
th{background:#eef3f9;color:var(--ink);font-weight:700;position:sticky;top:0}
tbody tr:nth-child(even){background:#f9fbfd}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}
caption{caption-side:top;text-align:left;font-weight:700;color:var(--ink);padding:10px 14px}

/* faq */
details.faq{background:#fff;border:1px solid var(--line);border-radius:var(--r-s);margin-bottom:10px}
details.faq summary{cursor:pointer;padding:14px 18px;font-weight:700;color:var(--ink);list-style:none;min-height:44px;display:flex;align-items:center;justify-content:space-between;gap:12px}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--brand);flex:none}
details.faq[open] summary::after{content:"\2212"}
details.faq .ans{padding:0 18px 14px}
.meta-row{font-size:.88rem;color:var(--muted);margin-bottom:1.2em}

/* footer */
.site-footer{background:var(--ink);color:#c5d0de;padding:48px 0 24px;font-size:.95rem}
.site-footer a{color:#e3ebf5;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.site-footer h2{color:#fff;font-size:1rem;margin:0 0 .8em;letter-spacing:.02em}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:28px}
@media(max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:0 0 6px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:30px;padding-top:18px;display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;font-size:.88rem}
.to-top{color:var(--accent)!important}

@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}}
@media print{.site-header,.site-footer,.aside,.nav-toggle,.hero::after{display:none}.hero{background:#fff;color:#000;padding:0}.hero h1{color:#000}.calc{box-shadow:none}}
details.est{margin:14px 0 6px;border:1px dashed #b7c4d3;border-radius:var(--r-s);background:#f7fafc}
details.est summary{cursor:pointer;padding:12px 14px;font-weight:750;color:var(--ink)}
details.est .est-body{padding:0 14px 12px}
.est-note{font-size:.85rem;color:var(--muted);margin:4px 0 0}
.res-cost{margin-top:16px;border-top:1px solid rgba(255,255,255,.2);padding-top:16px}