:root{--bg:#fff;--bg-alt:#f7f9fc;--text:#1a2332;--text-muted:#5a6b7f;--border:#e3e8ef;--primary:#0b6bcb;--primary-dark:#0851a0;--accent:#14b8a6;--success:#10b981;--warning:#f59e0b;--radius:10px;--shadow:0 2px 8px rgba(16,30,54,.06);--shadow-lg:0 8px 24px rgba(16,30,54,.1)}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,Arial,sans-serif;font-size:17px;line-height:1.65;color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{line-height:1.25;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,4vw,2.6rem);margin-bottom:1rem}
h2{font-size:clamp(1.4rem,3vw,1.9rem);margin:2rem 0 1rem}
h3{font-size:1.2rem;margin:1.5rem 0 .75rem}
p{margin-bottom:1rem}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
ul,ol{padding-left:1.5rem;margin-bottom:1rem}
li{margin-bottom:.4rem}
.container{max-width:1120px;margin:0 auto;padding:0 1.25rem}
.narrow{max-width:760px;margin:0 auto}
.site-header{border-bottom:1px solid var(--border);background:#fff;position:sticky;top:0;z-index:100}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:.9rem 1.25rem;max-width:1120px;margin:0 auto}
.logo{font-weight:800;font-size:1.1rem;color:var(--text)}
.logo span{color:var(--primary)}
.nav{display:flex;gap:1.5rem}
.nav a{color:var(--text-muted);font-size:.95rem;font-weight:500}
.nav a:hover{color:var(--primary);text-decoration:none}
.hero{background:linear-gradient(135deg,#eef6ff 0%,#f7f9fc 100%);padding:3rem 0 2.5rem;border-bottom:1px solid var(--border)}
.hero h1{max-width:780px}
.hero .lead{font-size:1.15rem;color:var(--text-muted);max-width:680px;margin-top:.75rem}
.trust-badges{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.5rem}
.badge{display:inline-flex;align-items:center;gap:.4rem;background:#fff;border:1px solid var(--border);border-radius:999px;padding:.35rem .85rem;font-size:.85rem;color:var(--text-muted)}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1.5rem;box-shadow:var(--shadow)}
.card-grid{display:grid;gap:1.25rem;grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.calc-wrap{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1.75rem;box-shadow:var(--shadow-lg);margin:1.5rem 0}
.calc-field{margin-bottom:1.15rem}
.calc-field label{display:block;font-weight:600;font-size:.95rem;margin-bottom:.35rem;color:var(--text)}
.calc-field select,.calc-field input[type=number]{width:100%;padding:.7rem .85rem;font-size:1rem;border:1px solid var(--border);border-radius:8px;background:#fff;color:var(--text);font-family:inherit}
.calc-field select:focus,.calc-field input:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px rgba(11,107,203,.15)}
.calc-row{display:grid;gap:1rem;grid-template-columns:1fr 1fr}
@media(max-width:560px){.calc-row{grid-template-columns:1fr}}
.radio-group{display:flex;flex-direction:column;gap:.5rem}
.radio-opt{display:flex;align-items:flex-start;gap:.6rem;padding:.75rem;border:1px solid var(--border);border-radius:8px;cursor:pointer;transition:all .15s ease}
.radio-opt:hover{border-color:var(--primary);background:#f8fbff}
.radio-opt input{margin-top:.25rem;accent-color:var(--primary)}
.radio-opt .opt-title{font-weight:600;font-size:.95rem}
.radio-opt .opt-desc{font-size:.85rem;color:var(--text-muted)}
.calc-btn{width:100%;padding:.95rem 1rem;font-size:1.05rem;font-weight:700;background:var(--primary);color:#fff;border:none;border-radius:8px;cursor:pointer;margin-top:.75rem;transition:background .15s ease}
.calc-btn:hover{background:var(--primary-dark)}
.calc-result{display:none;margin-top:1.5rem;padding:1.5rem;background:linear-gradient(135deg,#f0f9ff 0%,#ecfdf5 100%);border:1px solid #bae6fd;border-radius:var(--radius)}
.calc-result.active{display:block}
.calc-result h3{margin-top:0;font-size:1rem;color:var(--text-muted);font-weight:600}
.result-range{font-size:2.2rem;font-weight:800;color:var(--primary);line-height:1.1;margin:.5rem 0}
.result-note{font-size:.9rem;color:var(--text-muted);margin-top:.5rem}
.result-cta{display:inline-block;margin-top:1rem;padding:.7rem 1.25rem;background:var(--accent);color:#fff;border-radius:8px;font-weight:600;text-decoration:none}
.result-cta:hover{background:#0d9488;text-decoration:none}
.table-wrap{overflow-x:auto;margin:1.25rem 0;border:1px solid var(--border);border-radius:var(--radius)}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{padding:.8rem 1rem;text-align:left;border-bottom:1px solid var(--border)}
th{background:var(--bg-alt);font-weight:600;font-size:.88rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.03em}
tr:last-child td{border-bottom:none}
tr:hover td{background:#fafcff}
.callout{padding:1rem 1.25rem;border-radius:var(--radius);margin:1.25rem 0;border-left:4px solid var(--primary);background:#f0f7ff;font-size:.95rem}
.callout.warning{border-left-color:var(--warning);background:#fffbeb}
.callout.success{border-left-color:var(--success);background:#f0fdf4}
.author-bio{display:flex;gap:1rem;align-items:flex-start;padding:1.25rem;background:var(--bg-alt);border-radius:var(--radius);margin:2rem 0;border:1px solid var(--border)}
.author-avatar{width:56px;height:56px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.3rem;flex-shrink:0}
.author-name{font-weight:700}
.author-role{font-size:.85rem;color:var(--text-muted);margin-bottom:.4rem}
.author-desc{font-size:.9rem;color:var(--text-muted);margin:0}
.disclaimer-strip{background:#fef3c7;border:1px solid #fcd34d;border-radius:var(--radius);padding:.85rem 1rem;font-size:.85rem;color:#78350f;margin:1.5rem 0}
.site-footer{border-top:1px solid var(--border);background:var(--bg-alt);padding:2.5rem 0 1.5rem;margin-top:3rem;font-size:.9rem}
.footer-grid{display:grid;gap:2rem;grid-template-columns:2fr 1fr 1fr;max-width:1120px;margin:0 auto;padding:0 1.25rem}
@media(max-width:720px){.footer-grid{grid-template-columns:1fr}}
.footer-grid h4{font-size:.95rem;margin-bottom:.75rem}
.footer-grid a{display:block;color:var(--text-muted);margin-bottom:.4rem;font-size:.9rem}
.footer-grid a:hover{color:var(--primary)}
.footer-bottom{max-width:1120px;margin:2rem auto 0;padding:1.25rem 1.25rem 0;border-top:1px solid var(--border);color:var(--text-muted);font-size:.82rem}
.ad-slot{margin:2rem 0;padding:1rem;text-align:center;background:var(--bg-alt);border-radius:var(--radius);min-height:90px}
.ad-slot .ad-label{font-size:.7rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.08em;margin-bottom:.5rem}
.ad-placeholder{color:#b8c1cc;font-size:.85rem;padding:1.5rem 0}
.section{padding:2.5rem 0}
.muted{color:var(--text-muted)}
.small{font-size:.88rem}
.updated{font-size:.82rem;color:var(--text-muted);font-style:italic;margin-bottom:1rem}