:root{--bg:#f6f8fb;--card:#fff;--text:#122033;--muted:#5c6b80;--navy:#071527;--blue:#155eef;--blue-dark:#0f45ba;--green:#137a4b;--orange:#b45309;--red:#b42318;--line:#dbe3ef;--shadow:0 20px 60px rgba(15,35,70,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--text);background:var(--bg);font-size:17px;line-height:1.7}a{color:var(--blue)}img,svg,canvas{max-width:100%;height:auto}.container{max-width:1160px;margin:0 auto;padding:0 18px}.skip-nav{position:absolute;left:-999px;top:8px;background:#fff;padding:10px}.skip-nav:focus{left:8px;z-index:1000}.reading-progress-bar{position:fixed;top:0;left:0;height:3px;width:0;background:var(--blue);z-index:999}.topbar{background:var(--navy);color:#fff}.nav-shell{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}.brand{font-weight:900;font-size:1.25rem}.main-nav{display:flex;gap:12px;flex-wrap:wrap}.main-nav a,.brand{color:#fff;text-decoration:none;min-height:48px;display:inline-flex;align-items:center}.hero{padding:36px 0 22px}.hero-grid{display:grid;gap:22px}.section-kicker{color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:.8rem}.lead{font-size:1.14rem;color:#334155;max-width:68ch}h1{font-size:clamp(2rem,8vw,4.3rem);line-height:1.05;margin:.2em 0}h2{font-size:clamp(1.45rem,5vw,2.2rem);line-height:1.18;margin-top:2.2rem}h3{font-size:1.2rem}.calculator-card{background:var(--card);border-radius:24px;box-shadow:var(--shadow);padding:22px;border:1px solid #eef2f7}.calculator-form{display:grid;gap:14px}label{display:grid;gap:6px;font-weight:700}input,select,textarea{width:100%;min-height:52px;border:1px solid var(--line);border-radius:14px;padding:12px 14px;font:inherit;background:#fff;color:var(--text)}button,.primary-button,.secondary-button{min-height:48px;min-width:48px;border-radius:14px;padding:12px 16px;font-weight:800;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;cursor:pointer}.primary-button{background:var(--blue);color:#fff;border:1px solid var(--blue)}.primary-button:hover{background:var(--blue-dark)}.secondary-button{background:#fff;color:var(--blue);border:1px solid var(--line)}.button-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}.result-panel{margin-top:18px;padding:16px;border-radius:18px;background:#eef5ff;border:1px solid #cfe0ff}.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.metric{background:#fff;border-radius:16px;padding:12px}.metric strong{display:block;font-size:1.4rem}.status-below{color:var(--green)}.status-near{color:var(--blue)}.status-above{color:var(--red)}.content-body{background:#fff;border-radius:26px;margin-top:22px;margin-bottom:32px;padding:24px;box-shadow:0 10px 30px rgba(15,35,70,.08)}.standalone{margin-top:32px}.article-nav{display:flex;gap:10px;flex-wrap:wrap;padding:14px;border:1px solid var(--line);border-radius:18px;background:#f8fafc}.article-nav a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 12px;text-decoration:none;min-height:48px;display:inline-flex;align-items:center}.breadcrumb ol{list-style:none;display:flex;gap:8px;padding:0;margin:0 0 12px}.trust-note,.muted{color:var(--muted)}.insight-card,.content-hook{border-left:4px solid var(--blue);background:#f8fbff;padding:16px;border-radius:14px;margin:18px 0}.section-transition{color:var(--muted);font-style:italic}.table-wrapper{overflow-x:auto;-webkit-overflow-scrolling:touch}table{width:100%;border-collapse:collapse;margin:16px 0}caption{text-align:left;font-weight:800;margin-bottom:8px}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:#f1f5f9}.related-articles ul{display:grid;gap:12px;list-style:none;padding:0}.related-articles a{display:grid;gap:4px;border:1px solid var(--line);border-radius:18px;padding:16px;text-decoration:none}.related-articles span{color:var(--muted)}.ad-slot{min-height:250px;margin:24px 0;padding:12px;border:1px dashed var(--line);border-radius:18px;background:#fbfdff}.ad-label{font-size:11px;color:#7b8794}.site-footer{background:#071527;color:#fff;padding:32px 0}.site-footer a{color:#fff;display:inline-flex;margin-right:14px;min-height:48px;align-items:center}.footer-grid{display:grid;gap:16px}.cookie-banner{position:fixed;left:12px;right:12px;bottom:12px;max-height:20vh;overflow:auto;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:18px;padding:12px;z-index:100;display:none;gap:10px}.cookie-banner.is-visible{display:flex;align-items:center;justify-content:space-between}.mini-tool{align-self:start}
.data-chart{margin:20px 0;padding:16px;border:1px solid var(--line);border-radius:18px;background:#f8fbff}.data-chart svg{width:100%;max-width:460px;height:auto}.data-chart rect{fill:var(--blue)}.data-chart text{fill:var(--muted);font-size:10px}
@media (min-width:768px){.hero-grid{grid-template-columns:1fr 460px}.calculator-form{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.content-body{padding:42px}.cookie-banner{left:auto;max-width:760px}.result-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:767px){.nav-shell{align-items:flex-start;flex-direction:column;padding:12px 18px}.main-nav{width:100%;overflow-x:auto;flex-wrap:nowrap}.main-nav a{white-space:nowrap}.result-grid{grid-template-columns:1fr}.content-body p{max-width:100%}th,td{min-width:180px}}