:root{
  --ink:#102033;
  --muted:#5b6878;
  --paper:#fffaf0;
  --paper-2:#f4efe3;
  --panel:#ffffff;
  --line:#e7decf;
  --brand:#0f766e;
  --brand-2:#ffb020;
  --brand-3:#23395d;
  --danger:#b42318;
  --ok:#147d3f;
  --shadow:0 22px 65px rgba(16,32,51,.12);
  --radius:26px;
  --radius-sm:16px;
  --max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  color:var(--ink);
  background:
    radial-gradient(circle at top left, rgba(15,118,110,.12), transparent 32rem),
    radial-gradient(circle at top right, rgba(255,176,32,.16), transparent 28rem),
    var(--paper);
  line-height:1.65;
}
a{color:inherit;text-decoration:none}
a:hover{text-decoration:underline;text-underline-offset:4px}
img,svg{max-width:100%;display:block}
button,input,select,textarea{font:inherit}
.skip-link{position:absolute;left:-999px;top:auto;width:1px;height:1px;overflow:hidden}
.skip-link:focus{left:1rem;top:1rem;width:auto;height:auto;background:var(--ink);color:#fff;padding:.7rem 1rem;border-radius:.7rem;z-index:1000}
.site-header{
  position:sticky;top:0;z-index:50;
  backdrop-filter:blur(18px);
  background:rgba(255,250,240,.86);
  border-bottom:1px solid rgba(231,222,207,.85);
}
.nav{max-width:var(--max);margin:auto;display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.85rem 1.2rem}
.brand{display:flex;align-items:center;gap:.7rem;font-weight:900;letter-spacing:-.04em;font-size:1.15rem}
.brand-mark{width:42px;height:42px;border-radius:15px;background:linear-gradient(135deg,var(--brand),#064e3b);display:grid;place-items:center;box-shadow:0 12px 26px rgba(15,118,110,.22)}
.brand-mark svg{width:26px;height:26px;color:white}
.nav-links{display:flex;align-items:center;gap:.25rem;flex-wrap:wrap;justify-content:flex-end}
.nav-links a{padding:.55rem .78rem;border-radius:999px;font-weight:750;color:#25384f;font-size:.94rem}
.nav-links a:hover,.nav-links a.active{background:#fff;text-decoration:none;box-shadow:0 8px 24px rgba(16,32,51,.08)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;border:0;border-radius:999px;padding:.8rem 1.05rem;font-weight:850;background:var(--ink);color:#fff;box-shadow:0 14px 30px rgba(16,32,51,.16);cursor:pointer;text-decoration:none}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn.secondary{background:#fff;color:var(--ink);border:1px solid var(--line);box-shadow:none}
.btn.brandish{background:var(--brand)}
.container{max-width:var(--max);margin:auto;padding:0 1.2rem}
.hero{padding:5.8rem 0 3.2rem}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);gap:2.2rem;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;padding:.35rem .7rem;border:1px solid var(--line);background:rgba(255,255,255,.66);border-radius:999px;color:var(--muted);font-size:.9rem;font-weight:750}
.dot{width:.55rem;height:.55rem;background:var(--brand-2);border-radius:50%}
h1{font-size:clamp(2.7rem,7vw,5.7rem);line-height:.95;letter-spacing:-.08em;margin:.9rem 0 1rem}
.h1-soft{color:var(--brand)}
.lead{font-size:clamp(1.05rem,2vw,1.28rem);max-width:58ch;color:#35465a;margin:0 0 1.4rem}
.hero-actions{display:flex;gap:.8rem;flex-wrap:wrap;margin:1.4rem 0}
.trust-strip{display:flex;gap:.7rem;flex-wrap:wrap;margin-top:1.25rem;color:#536274;font-size:.93rem}
.trust-strip span{background:rgba(255,255,255,.76);border:1px solid var(--line);border-radius:999px;padding:.45rem .7rem}
.decision-card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.card-top{padding:1rem 1rem .2rem;display:flex;justify-content:space-between;gap:1rem;align-items:center;color:var(--muted);font-weight:750;font-size:.9rem}
.status{background:#ecfdf5;color:#047857;padding:.28rem .58rem;border-radius:999px;font-size:.8rem}
.paper-sheet{margin:1rem;background:#fffefb;border:1px solid var(--line);border-radius:20px;padding:1.1rem;box-shadow:inset 0 0 0 1px rgba(255,255,255,.6)}
.sheet-line{display:flex;justify-content:space-between;gap:1rem;padding:.85rem 0;border-bottom:1px dashed #dccfbf}
.sheet-line:last-child{border-bottom:0}
.sheet-line b{font-size:1.35rem;letter-spacing:-.05em}
.sheet-line small{color:var(--muted);display:block}
.alert-box{margin:1rem;background:#102033;color:#fff;border-radius:20px;padding:1rem}
.alert-box p{margin:.3rem 0 0;color:#dfe7f1;font-size:.95rem}
.section{padding:3rem 0}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:1rem;margin-bottom:1.35rem}
h2{font-size:clamp(2rem,4vw,3.25rem);line-height:1;letter-spacing:-.06em;margin:0}
.section-head p{max-width:52ch;color:var(--muted);margin:.5rem 0 0}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}
.tile{background:rgba(255,255,255,.78);border:1px solid var(--line);border-radius:var(--radius-sm);padding:1.25rem;box-shadow:0 10px 30px rgba(16,32,51,.06)}
.tile:hover{transform:translateY(-2px);box-shadow:0 16px 40px rgba(16,32,51,.1)}
.tile .icon{width:42px;height:42px;border-radius:14px;background:#edf7f5;color:var(--brand);display:grid;place-items:center;margin-bottom:.75rem;font-weight:900}
.tile h3{margin:.15rem 0 .45rem;font-size:1.22rem;letter-spacing:-.03em;line-height:1.2}
.tile p{margin:0;color:var(--muted)}
.kicker{font-size:.82rem;text-transform:uppercase;letter-spacing:.12em;color:var(--brand);font-weight:900}
.feature-band{background:#102033;color:#fff;border-radius:calc(var(--radius) + 8px);padding:1.3rem;border:1px solid rgba(255,255,255,.12);box-shadow:var(--shadow)}
.feature-inner{display:grid;grid-template-columns:1fr 1fr;gap:1rem;align-items:stretch}
.feature-panel{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:24px;padding:1.25rem}
.feature-panel p{color:#d3deea}
.timeline{counter-reset:step;display:grid;gap:.85rem}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:20px;padding:1rem 1rem 1rem 3.2rem}
.step:before{counter-increment:step;content:counter(step);position:absolute;left:1rem;top:1rem;width:1.45rem;height:1.45rem;border-radius:50%;background:var(--brand-2);display:grid;place-items:center;font-weight:900;font-size:.8rem}
.article-list{display:grid;gap:1rem}
.article-card{display:grid;grid-template-columns:120px 1fr;gap:1rem;background:#fff;border:1px solid var(--line);border-radius:22px;padding:1rem;align-items:center}
.article-num{height:96px;border-radius:18px;background:linear-gradient(135deg,#0f766e,#23395d);color:white;display:grid;place-items:center;font-size:2rem;font-weight:950;letter-spacing:-.06em}
.article-card h3{margin:0 0 .35rem;letter-spacing:-.03em;line-height:1.2}
.article-card p{margin:0;color:var(--muted)}
.footer{margin-top:3rem;background:#0b1624;color:#cbd5e1;padding:2.5rem 0 1.5rem}
.footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:1.5rem}
.footer small{color:#94a3b8}
.footer ul{list-style:none;padding:0;margin:.6rem 0 0;display:grid;gap:.45rem}
.page-hero{padding:3.6rem 0 1.7rem}
.page-title{max-width:820px}
.breadcrumb{font-size:.9rem;color:var(--muted);margin-bottom:.9rem}
.breadcrumb a{text-decoration:underline;text-underline-offset:3px}
.prose{max-width:780px;margin:auto;background:rgba(255,255,255,.82);border:1px solid var(--line);border-radius:28px;padding:clamp(1.25rem,4vw,2.3rem);box-shadow:0 18px 44px rgba(16,32,51,.07)}
.prose h1{font-size:clamp(2.15rem,5vw,4rem);line-height:1;letter-spacing:-.06em}
.prose h2{font-size:1.85rem;margin-top:2rem}
.prose h3{font-size:1.28rem;margin-top:1.5rem}
.prose p,.prose li{color:#35465a}
.prose blockquote{margin:1.2rem 0;padding:1rem 1.2rem;border-left:5px solid var(--brand);background:#f4efe3;border-radius:0 16px 16px 0;color:#23395d}
.prose table{width:100%;border-collapse:collapse;margin:1rem 0;font-size:.95rem}
.prose th,.prose td{border:1px solid var(--line);padding:.75rem;text-align:left;vertical-align:top}
.prose th{background:#f4efe3}
.tool-shell{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:1rem;align-items:start}
.calculator{background:#fff;border:1px solid var(--line);border-radius:28px;padding:1.25rem;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}
.field{display:grid;gap:.35rem}
.field label{font-weight:850;font-size:.92rem}
.field input,.field select,.field textarea{width:100%;border:1px solid #d6cbbb;background:#fffdfa;border-radius:14px;padding:.85rem;color:var(--ink);outline:none}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--brand);box-shadow:0 0 0 4px rgba(15,118,110,.1)}
.result-card{background:#102033;color:#fff;border-radius:24px;padding:1.25rem;position:sticky;top:92px}
.metric{padding:.85rem 0;border-bottom:1px solid rgba(255,255,255,.14)}
.metric:last-child{border-bottom:0}
.metric span{display:block;color:#b8c5d6;font-size:.9rem}
.metric b{font-size:1.65rem;letter-spacing:-.05em}
.note{border:1px solid #f5d18b;background:#fff8e7;color:#6d4e09;border-radius:18px;padding:1rem;margin:1rem 0}
.badge-row{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:.75rem}
.badge{border:1px solid var(--line);background:#fff;border-radius:999px;padding:.35rem .65rem;color:var(--muted);font-size:.86rem;font-weight:750}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.compare-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:1.15rem}
.compare-card.good{border-color:rgba(20,125,63,.3);background:#f1fff6}
.compare-card.warn{border-color:rgba(180,35,24,.25);background:#fff7f5}
@media (max-width:900px){
  .hero-grid,.feature-inner,.tool-shell,.footer-grid{grid-template-columns:1fr}
  .grid-3,.grid-2{grid-template-columns:1fr}
  .section-head{display:block}
  .result-card{position:static}
}
@media (max-width:640px){
  .nav{align-items:flex-start}
  .nav-links{gap:.15rem;font-size:.85rem}
  .nav-links a{padding:.45rem .55rem}
  .hero{padding-top:3.5rem}
  .form-grid,.compare{grid-template-columns:1fr}
  .article-card{grid-template-columns:1fr}
  .article-num{height:70px}
}
@media print{
  .site-header,.footer,.hero-actions{display:none}
  body{background:#fff;color:#000}
  .prose,.calculator,.tile{box-shadow:none;border-color:#aaa}
}