:root{--bg:#f6f7f9;--surface:#ffffff;--surface-subtle:#f9fafb;--ink:#111827;--muted:#5b6472;--muted-strong:#374151;--line:#d9dee7;--line-strong:#c4cad4;--brand:#155e75;--brand-dark:#0f4558;--brand-soft:#e8f4f7;--accent:#2f6f4e;--warning:#9a3412;--warning-bg:#fff7ed;--shadow-sm:0 1px 2px rgba(17,24,39,0.05);--shadow-md:0 18px 45px rgba(17,24,39,0.08);--radius:6px}*{box-sizing:border-box}html{scroll-behavior:smooth;text-size-adjust:100%}body{margin:0;background:linear-gradient(180deg,#ffffff 0,var(--bg) 420px),var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:16px}a{color:var(--brand);text-underline-offset:3px}button,input,select{font:inherit}button{-webkit-tap-highlight-color:transparent}.shell{width:min(1180px,calc(100% - 40px));margin:0 auto}.topbar{position:-webkit-sticky;position:sticky;top:0;z-index:50;border-bottom:1px solid var(--line);background:rgba(255,255,255,.94);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px)}.nav{min-height:64px;display:flex;justify-content:space-between;gap:32px}.brand,.nav{align-items:center}.brand{display:inline-flex;gap:11px;color:var(--ink);font-size:1.05rem;font-weight:800;text-decoration:none}.brand-mark{width:32px;height:32px;border-radius:var(--radius);background:linear-gradient(135deg,rgba(255,255,255,.32),transparent 48%),var(--brand);box-shadow:inset 0 0 0 1px rgba(255,255,255,.28),var(--shadow-sm);position:relative}.brand-mark:after{content:"";position:absolute;inset:8px;border:2px solid rgba(255,255,255,.88);border-radius:50%}.nav-links{display:flex;align-items:center;gap:4px;color:var(--muted-strong);font-size:.92rem;font-weight:650}.nav-links a{color:inherit;text-decoration:none;border-radius:var(--radius);padding:9px 11px}.nav-links a:hover{background:var(--surface-subtle);color:var(--brand)}.hero{padding:64px 0 34px;display:grid;grid-template-columns:minmax(0,1fr) 360px;grid-gap:56px;gap:56px;align-items:flex-end}.calculator-hero{padding-bottom:18px}.calculator-intro{padding:30px 0 18px;display:grid;grid-template-columns:minmax(0,1fr) auto;grid-gap:24px;gap:24px;align-items:end}.calculator-intro h1{font-size:clamp(2rem,4.4vw,3.6rem)}.calculator-intro p:not(.review-line){max-width:860px;margin:12px 0 0;color:var(--muted);font-size:1rem;line-height:1.58}h1,h2,h3{margin:0;color:var(--ink);line-height:1.1;letter-spacing:0}h1{max-width:850px;font-size:clamp(2.45rem,5.2vw,4.8rem);font-weight:850}h2{font-size:clamp(1.55rem,2.6vw,2.45rem);font-weight:820}h3{font-size:1.03rem;font-weight:780}.lede{max-width:760px;margin:20px 0 0;font-size:1.08rem;line-height:1.72}.hero-panel,.lede{color:var(--muted)}.hero-panel{background:var(--surface);border:1px solid var(--line);border-top:3px solid var(--brand);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow-sm);line-height:1.62}.hero-panel p{margin:0}.hero-panel strong{color:var(--ink)}.review-line{margin:18px 0 0;color:var(--muted);font-size:.9rem}.band{padding:44px 0}.tool-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));grid-gap:14px;gap:14px;margin-top:24px}.tool-card{min-height:190px;padding:20px;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);color:var(--ink);text-decoration:none;display:flex;flex-direction:column;justify-content:space-between;box-shadow:var(--shadow-sm);transition:border-color .15s ease,box-shadow .15s ease,transform .15s ease}.tool-card:hover{border-color:#9fb4bd;box-shadow:var(--shadow-md);transform:translateY(-2px)}.tool-card svg{color:var(--brand);margin:18px 0 12px}.tag{display:inline-flex;width:-moz-fit-content;width:fit-content;align-items:center;border:1px solid #cfe2e8;border-radius:999px;background:var(--brand-soft);color:var(--brand-dark);padding:4px 9px;font-size:.72rem;font-weight:750}.article li,.article p,.method p,.tool-card p{color:var(--muted);line-height:1.68}.tool-card p{margin:10px 0 0;font-size:.94rem}.tool-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;grid-gap:32px;gap:32px;align-items:start}.calculator-layout{padding-top:0}.compact-note{margin-bottom:12px;border:1px solid var(--line);border-left:3px solid var(--brand);border-radius:var(--radius);background:var(--surface);color:var(--muted);padding:11px 13px;font-size:.92rem;line-height:1.5}.compact-note strong{color:var(--ink)}.calculator{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-md);padding:24px}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:16px;gap:16px}.field{display:grid;grid-gap:7px;gap:7px}.field.full{grid-column:1/-1}label{color:var(--muted-strong);font-size:.86rem;font-weight:760}input,select{width:100%;min-height:44px;border:1px solid var(--line-strong);border-radius:var(--radius);background:#fff;color:var(--ink);padding:10px 12px;box-shadow:inset 0 1px 1px rgba(17,24,39,.03)}input:hover,select:hover{border-color:#9aa4b2}input:focus,select:focus{outline:3px solid rgba(21,94,117,.17);border-color:var(--brand)}.segmented{display:inline-flex;flex-wrap:wrap;width:-moz-fit-content;width:fit-content;gap:4px;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface-subtle);padding:4px}.primary,.secondary,.segmented button{min-height:40px;border:1px solid transparent;border-radius:calc(var(--radius) - 1px);padding:0 14px;cursor:pointer;font-weight:760}.segmented button{background:transparent;color:var(--muted-strong)}.segmented button.active{background:var(--surface);color:var(--brand-dark);border-color:var(--line);box-shadow:var(--shadow-sm)}.primary{background:var(--brand);color:#fff;border-color:var(--brand)}.primary:hover{background:var(--brand-dark)}.secondary{display:inline-flex;align-items:center;text-decoration:none;background:var(--surface);color:var(--muted-strong);border-color:var(--line-strong)}.secondary:hover{border-color:var(--brand);color:var(--brand)}.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}a.primary,a.secondary{min-height:42px;display:inline-flex;align-items:center;justify-content:center;text-decoration:none}.trust-strip{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:1px;gap:1px;overflow:hidden;border:1px solid var(--line);border-radius:var(--radius);background:var(--line);box-shadow:var(--shadow-sm)}.trust-strip div{background:var(--surface);padding:18px 20px}.trust-strip strong{display:block;color:var(--ink);font-size:1.35rem;line-height:1.1}.trust-strip span{display:block;margin-top:5px;color:var(--muted);font-size:.9rem}.section-heading,.tool-header{display:flex;justify-content:space-between;align-items:flex-end;gap:28px;margin-bottom:22px}.section-heading>p,.tool-header>p{max-width:420px;color:var(--muted);line-height:1.62;margin:0}.tool-header{margin-bottom:16px;padding-bottom:14px;border-bottom:1px solid var(--line)}.error{margin-top:16px;border:1px solid #fed7aa;border-radius:var(--radius);background:var(--warning-bg);color:var(--warning);padding:12px 14px;font-weight:650}.result{margin-top:24px;border-top:1px solid var(--line);padding-top:22px}.result p{color:var(--muted);line-height:1.65}.result-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:12px;gap:12px;margin-top:16px}.metric{border:1px solid #d6e5ea;border-radius:var(--radius);background:linear-gradient(180deg,#ffffff,#f8fbfc);padding:16px}.metric span{color:var(--muted);font-size:.78rem;font-weight:780;text-transform:uppercase;letter-spacing:.08em}.metric strong{display:block;margin-top:7px;color:var(--ink);font-size:clamp(1.35rem,2.2vw,1.85rem);line-height:1.12}table{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}th{background:var(--surface-subtle);color:var(--muted-strong);font-size:.82rem}td{color:var(--muted)}.side{position:-webkit-sticky;position:sticky;top:88px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow-sm)}.side h3{margin-bottom:8px}.side a{display:block;border-bottom:1px solid var(--line);color:var(--muted-strong);text-decoration:none;padding:11px 0;font-size:.92rem;font-weight:650}.side a:last-child{border-bottom:0}.side a:hover{color:var(--brand)}.method{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:16px;gap:16px}.method>div{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-sm)}.article{max-width:840px}.article h2{margin-top:12px}.article h3{margin-top:24px}.footer{margin-top:48px;border-top:1px solid var(--line);background:#ffffff;color:var(--muted);padding:34px 0}.footer-links{display:flex;flex-wrap:wrap;gap:8px 18px;margin-bottom:16px}.footer-links a{color:var(--muted-strong);font-size:.92rem;font-weight:700;text-decoration:none}.footer-links a:hover{color:var(--brand)}.legal-page{padding:58px 0}.legal-page article{max-width:820px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(24px,4vw,44px);box-shadow:var(--shadow-sm)}.legal-page h1{font-size:clamp(2.05rem,4.4vw,3.75rem)}.legal-page h2{margin-top:34px;font-size:1.32rem}.legal-page li,.legal-page p{color:var(--muted);line-height:1.75}@media (max-width:1040px){.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:860px){.shell{width:min(100% - 28px,1180px)}.calculator-intro,.hero,.method,.tool-layout{grid-template-columns:1fr}.hero{padding-top:42px;gap:26px}.nav{align-items:flex-start;flex-direction:column;gap:12px;padding:14px 0}.nav-links{flex-wrap:wrap;gap:2px;width:100%}.nav-links a{padding:8px 9px}.form-grid,.result-grid,.tool-grid,.trust-strip{grid-template-columns:1fr}.section-heading,.tool-header{align-items:flex-start;flex-direction:column}.calculator{padding:18px}.calculator-hero{padding-bottom:6px}.calculator-intro{padding-top:24px;gap:8px}.side{position:static}}