:root{--blue:#0a5bd5;--blue-dark:#063d93;--green:#10a56b;--ink:#132238;--muted:#607087;--bg:#f7f9fc;--surface:#fff;--line:#e3e9f1;--shadow:0 14px 40px rgba(24,51,86,.09);--radius:18px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.6}.skip-link{position:absolute;left:-999px}.skip-link:focus{left:1rem;top:1rem;z-index:20;background:#fff;padding:.5rem 1rem}.site-header{height:72px;padding:0 max(5vw,22px);display:flex;align-items:center;justify-content:space-between;background:color-mix(in srgb,var(--surface) 92%,transparent);backdrop-filter:blur(10px);position:sticky;top:0;z-index:10;border-bottom:1px solid var(--line)}.brand{display:flex;align-items:center;gap:9px;color:var(--ink);text-decoration:none;font-size:12px;line-height:1.05;letter-spacing:.02em}.brand b{font-size:16px}.brand-mark{width:36px;height:36px;border-radius:11px;display:grid;place-items:center;background:linear-gradient(135deg,var(--blue),#18a475);color:#fff;font-weight:800;font-size:21px}nav{display:none;gap:25px}nav a,.footer-top a{color:var(--muted);text-decoration:none}nav a:hover,.footer-top a:hover,.guide-link{color:var(--blue)}.icon-button{border:1px solid var(--line);background:var(--surface);color:var(--ink);border-radius:10px;padding:7px 10px;font-size:18px;cursor:pointer}.hero{padding:62px max(5vw,22px) 68px;display:grid;gap:32px;background:radial-gradient(circle at 88% 12%,#dceeff 0,transparent 30%),var(--surface)}.hero-copy{max-width:700px}.eyebrow{font-size:12px;letter-spacing:.11em;font-weight:800;color:var(--green);margin:0 0 10px}.hero h1{font-size:clamp(2.5rem,6vw,5rem);line-height:1.03;letter-spacing:-.05em;margin:0 0 20px;max-width:650px}.hero-copy>p:not(.eyebrow){font-size:1.1rem;color:var(--muted);max-width:590px;margin-bottom:28px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;gap:18px;border:0;border-radius:10px;padding:13px 18px;font-weight:750;text-decoration:none;font-size:15px;cursor:pointer}.primary{background:var(--blue);color:#fff;box-shadow:0 8px 18px #0a5bd539}.primary:hover{background:var(--blue-dark);transform:translateY(-1px)}.secondary{color:var(--blue);background:#edf5ff}.trust-row{display:flex;gap:15px;flex-wrap:wrap;margin-top:30px;color:var(--muted);font-size:13px}.trust-row span::first-letter{color:var(--green)}.hero-card{background:linear-gradient(145deg,#0c5bc9,#123c82);color:#fff;border-radius:22px;padding:28px;min-height:235px;box-shadow:0 25px 50px #0b4eaa35;align-self:end;max-width:410px}.mini-label{font-size:11px;letter-spacing:.12em;opacity:.77}.spark-bars{height:88px;display:flex;gap:8px;align-items:end;margin:14px 0}.spark-bars i{width:11%;background:#84e5bd;border-radius:8px 8px 2px 2px}.spark-bars i:nth-child(1){height:22%}.spark-bars i:nth-child(2){height:38%}.spark-bars i:nth-child(3){height:32%}.spark-bars i:nth-child(4){height:52%}.spark-bars i:nth-child(5){height:45%}.spark-bars i:nth-child(6){height:72%}.spark-bars i:nth-child(7){height:100%}.stat-line{display:flex;align-items:end;gap:10px}.stat-line strong{font-size:3rem;line-height:1}.stat-line span,.card-note{font-size:13px;opacity:.82}.card-note{margin-top:16px;border-top:1px solid #ffffff35;padding-top:12px}.search-shell{max-width:970px;margin:-27px auto 0;position:relative;background:var(--surface);box-shadow:var(--shadow);border:1px solid var(--line);border-radius:15px;padding:17px 18px}.search-shell label{font-size:13px;font-weight:700}.search-wrap{display:flex;align-items:center;gap:10px;border:1px solid var(--line);border-radius:10px;margin-top:7px;padding:0 10px;color:var(--muted)}input{font:inherit;color:var(--ink)}.search-wrap input{border:0;outline:0;width:100%;padding:11px 0;background:transparent}.search-wrap button{border:0;background:transparent;font-size:22px;color:var(--muted);cursor:pointer}.suggestions{display:none}.suggestions.show{display:grid;grid-template-columns:1fr;gap:7px;margin-top:10px}.suggestions button{text-align:left;border:1px solid var(--line);background:var(--bg);padding:8px 10px;border-radius:8px;color:var(--ink);cursor:pointer}.section{padding:72px max(5vw,22px)}.section-heading{display:flex;justify-content:space-between;gap:20px;align-items:end;margin-bottom:28px}.section-heading h2,.faq-section h2,.about-section h2{font-size:clamp(1.85rem,4vw,2.8rem);letter-spacing:-.04em;line-height:1.1;margin:0}.section-heading p:not(.eyebrow){color:var(--muted);margin:8px 0 0}.text-button{border:0;background:none;color:var(--blue);font:inherit;font-weight:700;white-space:nowrap;cursor:pointer}.category-tabs{display:flex;overflow:auto;gap:8px;padding-bottom:15px;margin-bottom:5px}.category-tabs button{white-space:nowrap;border:1px solid var(--line);background:var(--surface);color:var(--muted);padding:8px 13px;border-radius:999px;font:inherit;font-size:13px;cursor:pointer}.category-tabs button[aria-selected=true]{background:var(--ink);color:#fff;border-color:var(--ink)}.tool-grid{display:grid;grid-template-columns:1fr;gap:12px}.tool-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px;display:flex;align-items:center;gap:13px;text-align:left;cursor:pointer;transition:transform .2s,box-shadow .2s}.tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.tool-icon{width:43px;height:43px;display:grid;place-items:center;border-radius:12px;background:#eaf3ff;color:var(--blue);font-size:21px}.tool-card:nth-child(3n) .tool-icon{background:#e7f8f0;color:var(--green)}.tool-card strong{display:block;font-size:15px}.tool-card small{color:var(--muted);font-size:12px}.favorite{margin-left:auto;border:0;background:transparent;font-size:21px;color:#8a97a8;cursor:pointer}.favorite.saved{color:#e26575}.feature-grid,.guide-grid{display:grid;gap:15px}.feature-grid{background:var(--ink);color:white;padding-top:42px;padding-bottom:42px}.feature-grid article{padding:15px}.feature-grid h3{margin:9px 0 6px}.feature-grid p{color:#cbd6e7;margin:0}.feature-icon{font-size:27px;color:#82e6bf}.guide-section{background:var(--surface)}.guide-grid article{padding:23px;border:1px solid var(--line);border-radius:var(--radius)}.guide-grid h3{font-size:20px;line-height:1.28;margin:8px 0}.guide-grid p:not(.guide-tag){color:var(--muted);font-size:14px}.guide-tag{font-size:11px;color:var(--green);letter-spacing:.1em;font-weight:800}.guide-link{font-weight:700;text-decoration:none;font-size:14px}.faq-section{display:grid;gap:28px;grid-template-columns:1fr}.faq-list{max-width:740px}.faq-list details{border-top:1px solid var(--line);padding:15px 2px}.faq-list details:last-child{border-bottom:1px solid var(--line)}summary{cursor:pointer;font-weight:750;list-style:none;position:relative;padding-right:20px}summary::after{content:'+';position:absolute;right:0;color:var(--blue);font-size:20px}details[open] summary::after{content:'−'}details p{color:var(--muted);font-size:14px;margin:10px 0 0}.about-section{background:#eaf4ff;max-width:none}.about-section>p:last-child{max-width:800px;color:var(--muted);font-size:17px}footer{background:var(--surface);border-top:1px solid var(--line);padding:42px max(5vw,22px) 20px}.footer-top{display:grid;gap:30px}.footer-top p{color:var(--muted);font-size:14px}.footer-top h3{font-size:13px;margin:0 0 8px}.footer-top div:not(:first-child){display:flex;flex-direction:column;gap:5px;font-size:14px}.footer-bottom{border-top:1px solid var(--line);margin-top:30px;padding-top:16px;color:var(--muted);font-size:12px;display:flex;justify-content:space-between;gap:10px}.calculator-view{padding:36px max(5vw,22px) 70px;background:linear-gradient(180deg,#eef7ff,transparent)}.breadcrumbs{font-size:13px;color:var(--muted);margin-bottom:17px}.breadcrumbs a{color:var(--blue);text-decoration:none}.calc-layout{display:grid;gap:22px;max-width:1160px}.calc-main{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.calc-title{padding:25px 25px 0}.calc-title h1{font-size:clamp(1.85rem,4vw,2.8rem);line-height:1.15;letter-spacing:-.04em;margin:3px 0 9px}.calc-title p{color:var(--muted);margin:0}.calc-body{display:grid;gap:0;margin-top:23px}.form-panel{padding:25px;background:#fbfcfe}.field{margin-bottom:17px}.field label{display:flex;justify-content:space-between;font-size:13px;font-weight:750;margin-bottom:6px}.field label output{color:var(--blue)}.field input[type=number],.field select{width:100%;border:1px solid var(--line);border-radius:9px;padding:10px;background:var(--surface);outline-color:var(--blue)}.field input[type=range]{width:100%;accent-color:var(--blue)}.result-panel{padding:25px}.result-label{font-size:12px;font-weight:800;letter-spacing:.09em;color:var(--muted)}.result-value{font-size:clamp(2rem,5vw,3.2rem);font-weight:850;letter-spacing:-.06em;color:var(--blue);margin:6px 0}.result-sub{color:var(--muted);font-size:14px}.breakdown{margin:23px 0 15px;border-top:1px solid var(--line)}.breakdown div{display:flex;justify-content:space-between;gap:15px;padding:10px 0;border-bottom:1px solid var(--line);font-size:14px}.breakdown span{color:var(--muted)}.action-row{display:flex;gap:8px;flex-wrap:wrap}.small-button{border:1px solid var(--line);padding:8px 10px;border-radius:8px;background:var(--surface);color:var(--ink);font:inherit;font-size:13px;cursor:pointer}.small-button:hover{border-color:var(--blue);color:var(--blue)}.chart{height:12px;background:#ebeff5;border-radius:100px;overflow:hidden;margin:25px 0 7px;display:flex}.chart i{height:100%;display:block}.chart .part-one{background:var(--blue)}.chart .part-two{background:var(--green)}.chart-key{font-size:12px;color:var(--muted);display:flex;justify-content:space-between}.chart-key b{color:var(--ink)}.article-content{max-width:920px;margin:42px auto 0;padding:0 clamp(20px,3.5vw,42px) 30px}.article-content h2{font-size:1.45rem;margin-top:35px;letter-spacing:-.025em}.article-content h3{font-size:1.1rem;margin-top:25px}.article-content p,.article-content li{color:var(--muted)}.article-content li{margin:7px 0}.article-content .callout{background:#eff7ff;border-left:4px solid var(--blue);padding:14px 17px;border-radius:0 10px 10px 0;color:var(--ink)}.related{display:flex;flex-wrap:wrap;gap:9px}.related button{border:1px solid var(--line);background:var(--surface);color:var(--blue);padding:7px 10px;border-radius:999px;cursor:pointer}.legal{max-width:850px;margin:auto}.legal h1{font-size:2.4rem}.legal p{color:var(--muted)}#toast{position:fixed;bottom:22px;left:50%;transform:translateX(-50%) translateY(100px);background:var(--ink);color:#fff;padding:9px 14px;border-radius:9px;font-size:14px;z-index:30;transition:transform .3s}#toast.show{transform:translateX(-50%) translateY(0)}body.dark{--ink:#e7edf7;--muted:#acb9ca;--bg:#101722;--surface:#161f2d;--line:#293648}body.dark .hero{background:radial-gradient(circle at 88% 12%,#193c68 0,transparent 30%),var(--surface)}body.dark .form-panel{background:#121a26}body.dark .about-section{background:#112942}body.dark .search-wrap,.small-button,.category-tabs button{background:var(--surface)}body.dark .tool-icon{background:#17365b}body.dark .tool-card:nth-child(3n) .tool-icon{background:#163e37}@media(min-width:650px){nav{display:flex}.hero{grid-template-columns:1.6fr .8fr;align-items:center}.tool-grid{grid-template-columns:repeat(2,1fr)}.feature-grid,.guide-grid{grid-template-columns:repeat(3,1fr)}.faq-section{grid-template-columns:.8fr 1.2fr}.footer-top{grid-template-columns:2fr 1fr 1fr}.calc-body{grid-template-columns:1fr 1fr}.form-panel{border-right:1px solid var(--line)}}@media(min-width:1000px){.hero{padding-top:88px;padding-bottom:90px}.tool-grid{grid-template-columns:repeat(3,1fr)}.calc-layout{grid-template-columns:minmax(0,1fr) 240px}.calc-layout aside{position:sticky;top:90px;height:max-content;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:16px}.calc-layout aside h3{margin-top:0;font-size:14px}.calc-layout aside button{display:block;width:100%;text-align:left;border:0;background:none;color:var(--blue);padding:6px 0;cursor:pointer}}