:root{
  --navy:#071f37;--navy-2:#0d2c4b;--ink:#162331;--muted:#5d6b78;--line:#dce4ea;
  --paper:#ffffff;--mist:#f4f7f9;--gold:#e0b21a;--gold-2:#f3cf45;--lime:#72b53a;
  --teal:#137b86;--success:#237a57;--warn:#95640b;--danger:#9c3e3e;
  --max:1180px;--radius:4px;--shadow:0 18px 55px rgba(7,31,55,.10);
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--paper);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:#0d5e83;text-underline-offset:3px}a:hover{color:#073e5a}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.skip-link{position:absolute;left:-9999px;top:8px;z-index:1000;background:white;padding:10px}.skip-link:focus{left:8px}
.site-header{position:sticky;top:0;z-index:40;border-bottom:1px solid rgba(220,228,234,.9);background:rgba(255,255,255,.94);backdrop-filter:blur(14px)}.nav{height:74px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:flex;align-items:center;text-decoration:none;min-width:230px}.brand img{display:block;width:230px;max-height:52px;object-fit:contain;object-position:left center}.nav-links{display:flex;align-items:center;gap:26px;font-size:.95rem}.nav-links a{color:#253543;text-decoration:none;font-weight:650}.nav-links a:hover,.nav-links a[aria-current="page"]{color:#071f37}.nav-cta{background:var(--navy)!important;color:white!important;padding:10px 15px;border:1px solid var(--navy);box-shadow:inset 0 1px rgba(255,255,255,.12)}.menu-btn{display:none;border:1px solid var(--line);background:#fff;padding:9px 11px;font:inherit;border-radius:var(--radius)}
.hero{position:relative;overflow:hidden;background:linear-gradient(115deg,#f9fbfc 0%,#f4f8fa 60%,#fff 100%);border-bottom:1px solid var(--line)}.hero:after{content:"";position:absolute;right:-160px;top:-140px;width:580px;height:580px;border-radius:50%;background:radial-gradient(circle,rgba(224,178,26,.14),rgba(224,178,26,0) 68%);pointer-events:none}.hero-grid{min-height:460px;display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:65px;padding:68px 0}.eyebrow{display:inline-flex;align-items:center;gap:8px;text-transform:uppercase;letter-spacing:.11em;font-weight:800;font-size:.78rem;color:#355266}.eyebrow:before{content:"";width:28px;height:2px;background:var(--gold)}h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.12;margin-top:0}h1{font-size:clamp(2.55rem,5vw,4.7rem);letter-spacing:-.045em;margin-bottom:20px}h2{font-size:clamp(1.9rem,3vw,2.75rem);letter-spacing:-.025em;margin-bottom:18px}h3{font-size:1.35rem}.lead{font-size:1.16rem;color:#425565;max-width:720px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 18px;border-radius:var(--radius);text-decoration:none;font-weight:800;border:1px solid transparent;cursor:pointer;font:inherit}.btn-primary{background:var(--navy);color:#fff;box-shadow:0 8px 20px rgba(7,31,55,.16)}.btn-primary:hover{background:#0b2c4d;color:white}.btn-secondary{background:white;color:var(--navy);border-color:#cfd9df}.btn-gold{background:var(--gold);color:#1d270f;border-color:#c59a10}.trust-row{margin-top:26px;display:flex;flex-wrap:wrap;gap:16px 24px;color:#536572;font-size:.9rem}.trust-row span:before{content:"✓";color:var(--success);font-weight:900;margin-right:7px}
.hero-panel{position:relative;background:var(--navy);color:white;padding:34px;box-shadow:var(--shadow);border:1px solid #153d60}.hero-panel:before{content:"";position:absolute;left:0;top:0;width:7px;height:100%;background:linear-gradient(var(--gold),var(--lime))}.hero-panel .mini-label{color:#bdd0df;font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;font-weight:800}.hero-panel .big-number{font-family:Georgia,serif;font-size:3.15rem;line-height:1;margin:12px 0 7px}.hero-panel .range{color:#d5e2eb}.mini-chart{height:160px;margin-top:28px;border-left:1px solid #36536d;border-bottom:1px solid #36536d;display:flex;align-items:flex-end;gap:16px;padding:0 24px 0 22px}.mini-chart i{display:block;flex:1;background:linear-gradient(180deg,var(--gold-2),var(--gold));min-width:20px}.mini-chart i:nth-child(1){height:37%}.mini-chart i:nth-child(2){height:52%}.mini-chart i:nth-child(3){height:44%}.mini-chart i:nth-child(4){height:70%}.mini-chart i:nth-child(5){height:88%}
.section{padding:76px 0}.section-sm{padding:52px 0}.alt{background:var(--mist);border-top:1px solid #e7edf1;border-bottom:1px solid #e7edf1}.kicker{color:var(--teal);font-size:.78rem;text-transform:uppercase;letter-spacing:.11em;font-weight:850;margin-bottom:10px}.section-intro{max-width:760px;color:#536372;font-size:1.06rem}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:34px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{background:#fff;border:1px solid var(--line);padding:26px;border-radius:var(--radius)}.card h3{margin-bottom:10px}.card p:last-child{margin-bottom:0}.icon-chip{width:42px;height:42px;display:grid;place-items:center;background:#eef5f7;color:var(--teal);border:1px solid #d7e7ea;font-weight:900;margin-bottom:18px}.stat-row{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);background:#fff}.stat{padding:24px;border-right:1px solid var(--line)}.stat:last-child{border-right:0}.stat strong{font:700 1.55rem Georgia,serif;color:var(--navy);display:block}.stat span{font-size:.88rem;color:var(--muted)}
.calculator-shell{background:#fff;border:1px solid #ccd7de;box-shadow:var(--shadow);display:grid;grid-template-columns:minmax(0,1.08fr) minmax(360px,.92fr);min-height:680px}.calc-form{padding:34px 38px}.calc-results{padding:34px;background:var(--navy);color:#fff;position:relative}.calc-results h2,.calc-results h3{color:white}.calc-results:before{content:"";position:absolute;left:0;top:0;width:5px;height:100%;background:linear-gradient(var(--gold),var(--lime))}.steps{display:flex;gap:5px;margin-bottom:30px}.step{height:4px;background:#e0e7ec;flex:1}.step.active{background:var(--gold)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{margin-bottom:18px}.field.full{grid-column:1/-1}.field label{display:flex;align-items:center;justify-content:space-between;gap:10px;font-weight:750;margin-bottom:7px;color:#243746}.hint{font-weight:500;color:#76848f;font-size:.78rem}.input-wrap{position:relative}.input-prefix{position:absolute;left:13px;top:50%;transform:translateY(-50%);font-weight:800;color:#556a78}.input-suffix{position:absolute;right:13px;top:50%;transform:translateY(-50%);font-weight:700;color:#60717d}.field input,.field select{width:100%;border:1px solid #bac8d1;background:white;padding:12px 13px;font:inherit;color:var(--ink);border-radius:2px;min-height:48px}.field input.has-prefix{padding-left:31px}.field input.has-suffix{padding-right:46px}.field input:focus,.field select:focus{outline:3px solid rgba(19,123,134,.16);border-color:var(--teal)}input[type=range]{min-height:auto;padding:0;border:0;accent-color:var(--navy)}.form-note{background:#f5f8fa;border-left:3px solid var(--teal);padding:13px 15px;color:#546775;font-size:.9rem;margin:10px 0 22px}.result-label{text-transform:uppercase;letter-spacing:.11em;color:#afc5d6;font-size:.75rem;font-weight:850}.result-main{font:700 clamp(2.8rem,5vw,4.25rem)/1 Georgia,serif;margin:10px 0 7px}.result-range{font-size:1.05rem;color:#d9e4eb}.result-cards{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:28px 0}.result-card{background:#0c2b48;border:1px solid #294a65;padding:16px}.result-card span{display:block;color:#a9c0d0;font-size:.77rem;text-transform:uppercase;letter-spacing:.07em}.result-card strong{display:block;font-size:1.18rem;margin-top:4px}.quality-list{display:grid;gap:8px;margin:18px 0 24px}.quality-item{display:flex;align-items:center;justify-content:space-between;gap:12px;border-top:1px solid #264762;padding-top:8px;font-size:.9rem}.pill{font-size:.72rem;padding:3px 7px;border:1px solid currentColor;text-transform:uppercase;letter-spacing:.06em}.pill.good{color:#7ee0ae}.pill.neutral{color:#ecd679}.pill.caution{color:#f3b0a9}.result-actions{display:flex;gap:9px;flex-wrap:wrap}.calc-results .btn-secondary{background:transparent;color:white;border-color:#46667f}.privacy-note{font-size:.78rem;color:#a8bdcb;margin-top:18px}.privacy-note strong{color:white}
.article-hero{background:var(--mist);border-bottom:1px solid var(--line);padding:55px 0}.article-hero .wrap{max-width:940px}.article-hero h1{font-size:clamp(2.35rem,4.7vw,4rem)}.breadcrumbs{font-size:.84rem;color:#6b7a86;margin-bottom:20px}.breadcrumbs a{color:#4d6473}.meta{display:flex;gap:16px;flex-wrap:wrap;color:#647682;font-size:.86rem;margin-top:20px}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 270px;gap:54px;align-items:start}.prose{font-size:1.02rem}.prose h2{margin-top:52px}.prose h3{margin-top:34px}.prose p,.prose li{color:#354957}.prose table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.92rem}.prose th,.prose td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}.prose th{background:#f2f6f8;color:var(--navy)}.callout{border-left:4px solid var(--gold);background:#fffaf0;padding:18px 20px;margin:25px 0}.callout strong{color:var(--navy)}.source-box{border:1px solid var(--line);background:#f8fafb;padding:20px;margin-top:36px}.source-box h3{font-size:1.1rem}.source-box ul{margin-bottom:0}.toc{position:sticky;top:96px;border-left:1px solid var(--line);padding-left:20px;font-size:.9rem}.toc strong{display:block;color:var(--navy);margin-bottom:12px}.toc a{display:block;text-decoration:none;color:#576a77;padding:5px 0}.toc a:hover{color:var(--navy)}
.inline-tool{border:1px solid #cbd7de;background:#fff;box-shadow:0 12px 34px rgba(7,31,55,.07);margin:32px 0;padding:26px}.inline-tool h2{margin-top:0!important;font-size:1.8rem}.tool-results{background:var(--navy);color:white;padding:20px;margin-top:18px}.tool-results .value{font:700 2.5rem Georgia,serif}.sensitivity{display:grid;grid-template-columns:repeat(7,1fr);border:1px solid #2c4c65;margin-top:14px}.sensitivity div{padding:9px 5px;text-align:center;border-right:1px solid #2c4c65}.sensitivity div:last-child{border-right:0}.sensitivity small{display:block;color:#9eb6c8}.sensitivity strong{font-size:.84rem}
.faq{max-width:900px}.faq details{border-top:1px solid var(--line);padding:17px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:800;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:18px}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";font-size:1.25rem}.faq details[open] summary:after{content:"–"}.faq details p{color:#4b5d6a}
.guide-card{display:flex;flex-direction:column;min-height:270px}.guide-card .tag{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:var(--teal);font-weight:800}.guide-card h3{font-size:1.55rem;margin:12px 0}.guide-card a{margin-top:auto;font-weight:800;text-decoration:none;color:var(--navy)}
.method-list{counter-reset:m}.method{position:relative;padding-left:58px;margin:30px 0}.method:before{counter-increment:m;content:counter(m);position:absolute;left:0;top:0;width:38px;height:38px;display:grid;place-items:center;background:var(--navy);color:white;font-weight:850}.method h3{margin-bottom:7px}
.disclaimer-strip{background:#fff6df;border-top:1px solid #ead59a;border-bottom:1px solid #ead59a;padding:14px 0;font-size:.88rem;color:#5d4a17}.disclaimer-strip strong{color:#3e310d}
.site-footer{background:#061a2d;color:#c2d0da;padding:58px 0 24px}.footer-grid{display:grid;grid-template-columns:1.6fr repeat(3,1fr);gap:42px}.footer-brand img{width:230px;filter:none}.site-footer h3{font-family:inherit;font-size:.92rem;text-transform:uppercase;letter-spacing:.08em;color:white;margin-bottom:14px}.site-footer a{display:block;color:#c3d1db;text-decoration:none;margin:8px 0;font-size:.9rem}.site-footer a:hover{color:white}.footer-copy{border-top:1px solid #1d3549;margin-top:35px;padding-top:22px;font-size:.8rem;color:#93a8b7;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.footer-disclaimer{max-width:650px}.notice{font-size:.86rem;color:#657682}.cookie-link{display:inline!important;margin:0!important}
@media(max-width:950px){.hero-grid,.calculator-shell,.article-layout{grid-template-columns:1fr}.hero-grid{gap:30px;min-height:auto;padding:52px 0}.hero-panel{max-width:650px}.calculator-shell{min-height:0}.toc{display:none}.grid-3{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.nav-links{display:none;position:absolute;left:0;right:0;top:74px;background:white;border-bottom:1px solid var(--line);padding:20px;flex-direction:column;align-items:stretch;gap:12px}.nav-links.open{display:flex}.menu-btn{display:block}.brand img{width:205px}}
@media(max-width:650px){.wrap{width:min(var(--max),calc(100% - 26px))}.section{padding:56px 0}.grid-2,.grid-3,.form-grid,.result-cards,.stat-row{grid-template-columns:1fr}.stat{border-right:0;border-bottom:1px solid var(--line)}.stat:last-child{border-bottom:0}.calc-form,.calc-results{padding:24px 20px}.hero-actions .btn{width:100%}.footer-grid{grid-template-columns:1fr}.article-hero{padding:40px 0}.sensitivity{grid-template-columns:repeat(2,1fr)}.sensitivity div{border-bottom:1px solid #2c4c65}.brand{min-width:0}.brand img{width:185px}.hero-panel .big-number{font-size:2.5rem}}
@media print{.site-header,.site-footer,.hero-actions,.result-actions,.disclaimer-strip,.toc,.menu-btn{display:none!important}.calculator-shell{box-shadow:none}.calc-results{background:white!important;color:black!important}.calc-results h2,.calc-results h3{color:black!important}.result-label,.privacy-note,.result-range{color:#555!important}}