:root{
  --bg:#f6f8fb;--surface:#ffffff;--surface-2:#eef3f7;--text:#14202b;--muted:#5e6b78;--line:#dce4ea;
  --brand:#e9531d;--brand-2:#ff8a3d;--ink:#0c2236;--accent:#167d8d;--good:#19724a;--warn:#9b5a12;
  --shadow:0 18px 45px rgba(17,36,52,.10);--shadow-sm:0 8px 24px rgba(17,36,52,.08);
  --radius:22px;--radius-sm:14px;--container:1180px;--header:76px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:95px}body{margin:0;background:var(--bg);color:var(--text);font:16px/1.7 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased}img,svg{max-width:100%;height:auto}a{color:inherit;text-decoration-thickness:.08em;text-underline-offset:.18em}button,input,select,textarea{font:inherit}button{cursor:pointer}.container{width:min(var(--container),calc(100% - 32px));margin-inline:auto}.narrow{width:min(820px,calc(100% - 32px));margin-inline:auto}.skip-link{position:fixed;left:16px;top:-80px;z-index:1000;background:var(--surface);padding:12px 18px;border-radius:10px;box-shadow:var(--shadow)}.skip-link:focus{top:12px}.reading-progress{position:fixed;z-index:120;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--brand),var(--brand-2));pointer-events:none}
.site-header{position:sticky;z-index:100;top:0;background:color-mix(in srgb,var(--surface) 92%,transparent);backdrop-filter:blur(16px);border-bottom:1px solid color-mix(in srgb,var(--line) 85%,transparent)}.nav-wrap{height:var(--header);display:flex;align-items:center;gap:22px}.brand{display:flex;align-items:center;gap:11px;text-decoration:none;min-width:max-content}.brand img{width:42px;height:42px}.brand-copy{display:grid;line-height:1.1}.brand-copy strong{font-size:15px;letter-spacing:.01em}.brand-copy small{color:var(--muted);font-size:11px;margin-top:4px}.desktop-nav{display:flex;gap:4px;align-items:center;margin-left:auto}.desktop-nav>a,.nav-drop>summary{display:inline-flex;align-items:center;min-height:44px;padding:0 11px;border-radius:10px;text-decoration:none;color:var(--muted);font-size:14px;font-weight:700}.desktop-nav>a:hover,.desktop-nav>a[aria-current="page"],.nav-drop>summary:hover{color:var(--text);background:var(--surface-2)}.nav-drop{position:relative}.nav-drop>summary{list-style:none;cursor:pointer}.nav-drop>summary::-webkit-details-marker{display:none}.mega{position:absolute;right:0;top:52px;width:min(720px,90vw);padding:18px;background:var(--surface);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.mega a{padding:11px 12px;border-radius:12px;text-decoration:none}.mega a:hover{background:var(--surface-2)}.mega b{display:block;font-size:14px}.mega span{display:block;font-size:12px;color:var(--muted);margin-top:2px}.header-actions{display:flex;gap:8px}.icon-btn{width:42px;height:42px;border:1px solid var(--line);border-radius:12px;background:var(--surface);color:var(--text);display:grid;place-items:center}.icon-btn:hover{transform:translateY(-1px);box-shadow:var(--shadow-sm)}.mobile-toggle{display:none}.mobile-nav{display:none;border-top:1px solid var(--line);background:var(--surface)}.mobile-nav[data-open="true"]{display:block}.mobile-nav .container{padding:12px 0 20px;display:grid;gap:4px}.mobile-nav a{padding:11px 12px;border-radius:10px;text-decoration:none;font-weight:700}.mobile-nav a:hover{background:var(--surface-2)}
main{min-height:62vh}.hero{position:relative;overflow:hidden;padding:clamp(62px,8vw,108px) 0 64px;background:linear-gradient(135deg,var(--ink),#163a4b);color:#fff}.hero::before{content:"";position:absolute;width:520px;height:520px;border:90px solid rgba(255,255,255,.045);border-radius:50%;right:-120px;top:-160px}.hero::after{content:"";position:absolute;width:320px;height:320px;border:1px solid rgba(255,255,255,.12);border-radius:50%;right:180px;bottom:-210px}.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(340px,.85fr);gap:54px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 11px;border:1px solid currentColor;border-radius:999px;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;opacity:.9}.hero h1,.page-hero h1{font-size:clamp(40px,6vw,72px);line-height:1.03;letter-spacing:-.045em;margin:18px 0 20px;max-width:950px}.hero p{font-size:clamp(17px,2vw,21px);max-width:760px;color:#d9e5e9}.hero-actions,.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:48px;padding:0 18px;border:1px solid transparent;border-radius:12px;font-weight:800;text-decoration:none;transition:.18s ease}.btn-primary{background:var(--brand);color:#fff}.btn-primary:hover{background:var(--brand-2);transform:translateY(-1px)}.btn-light{background:#fff;color:#0d2534}.btn-outline{border-color:var(--line);background:var(--surface);color:var(--text)}.btn-ghost{border-color:rgba(255,255,255,.25);color:#fff;background:rgba(255,255,255,.06)}.hero-visual{position:relative}.hero-visual img{display:block;width:100%;border-radius:28px;box-shadow:0 30px 70px rgba(0,0,0,.28);background:#f6f7f8}.metric-row{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:28px}.metric{padding:14px;border-radius:14px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.1)}.metric strong{display:block;font-size:15px}.metric span{font-size:12px;color:#c8d8dd}
.breadcrumbs{padding:18px 0;color:var(--muted);font-size:13px}.breadcrumbs ol{display:flex;gap:7px;list-style:none;padding:0;margin:0;flex-wrap:wrap}.breadcrumbs li:not(:last-child)::after{content:"/";margin-left:7px;opacity:.45}.breadcrumbs a{text-decoration:none}.page-hero{padding:36px 0 58px}.page-hero h1{font-size:clamp(36px,5vw,60px);margin-top:13px;margin-bottom:17px}.page-hero p{font-size:19px;color:var(--muted);max-width:820px}.page-hero .chips{margin-top:20px}.chips{display:flex;gap:8px;flex-wrap:wrap}.chip{display:inline-flex;align-items:center;gap:7px;padding:7px 11px;border-radius:999px;background:var(--surface-2);border:1px solid var(--line);font-size:12px;font-weight:750;color:var(--muted)}
.section{padding:70px 0}.section-sm{padding:42px 0}.section-alt{background:var(--surface)}.section-head{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:28px}.section-head h2,.content h2{font-size:clamp(28px,4vw,42px);line-height:1.12;letter-spacing:-.03em;margin:0}.section-head p{color:var(--muted);max-width:650px;margin:0}.kicker{font-size:12px;letter-spacing:.09em;text-transform:uppercase;font-weight:900;color:var(--brand);margin-bottom:9px}.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm)}.card-flat{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px}.card h3,.card-flat h3{font-size:20px;line-height:1.25;margin:7px 0 10px}.card p,.card-flat p{color:var(--muted);margin:0}.card-link{display:block;text-decoration:none;transition:.18s ease}.card-link:hover{transform:translateY(-3px);border-color:color-mix(in srgb,var(--brand) 45%,var(--line));box-shadow:var(--shadow)}.card-icon{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;background:color-mix(in srgb,var(--brand) 11%,var(--surface));color:var(--brand);font-weight:900}.card-icon svg{width:24px;height:24px}.number-card{position:relative;padding-top:54px}.number-card::before{content:attr(data-number);position:absolute;left:24px;top:18px;font-size:13px;font-weight:900;color:var(--brand);letter-spacing:.08em}.tag{font-size:11px;text-transform:uppercase;letter-spacing:.07em;color:var(--brand);font-weight:900}.text-link{display:inline-flex;align-items:center;gap:7px;margin-top:16px;font-weight:800;color:var(--brand);text-decoration:none}.text-link:hover{text-decoration:underline}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.8fr);gap:48px;align-items:center}.split.reverse{grid-template-columns:minmax(320px,.8fr) minmax(0,1fr)}.split figure{margin:0}.media-frame{background:var(--surface);border:1px solid var(--line);border-radius:28px;padding:12px;box-shadow:var(--shadow)}.media-frame img{display:block;border-radius:19px}.check-list,.x-list,.plain-list{list-style:none;padding:0;margin:20px 0 0}.check-list li,.x-list li{position:relative;padding-left:31px;margin:10px 0}.check-list li::before{content:"✓";position:absolute;left:0;top:0;color:var(--good);font-weight:900}.x-list li::before{content:"–";position:absolute;left:0;top:0;color:var(--warn);font-weight:900}.plain-list li{padding:10px 0;border-bottom:1px solid var(--line)}
.content-wrap{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:52px;align-items:start}.content{min-width:0}.content>p:first-of-type{font-size:20px;color:var(--muted)}.content h2{margin-top:56px;margin-bottom:17px}.content h3{font-size:23px;line-height:1.25;margin-top:34px;margin-bottom:10px}.content h4{font-size:18px;margin-top:26px}.content p{margin:0 0 17px}.content ul,.content ol{padding-left:22px}.content li{margin:8px 0}.content img{border-radius:22px;border:1px solid var(--line);background:var(--surface)}.content a:not(.btn){color:var(--accent);font-weight:650}.toc{position:sticky;top:96px;background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:18px;max-height:calc(100vh - 122px);overflow:auto}.toc strong{display:block;margin-bottom:9px}.toc a{display:block;padding:7px 9px;border-radius:8px;text-decoration:none;color:var(--muted);font-size:13px;line-height:1.35}.toc a:hover{background:var(--surface-2);color:var(--text)}.callout{margin:28px 0;padding:20px 22px;border-radius:18px;background:color-mix(in srgb,var(--accent) 8%,var(--surface));border:1px solid color-mix(in srgb,var(--accent) 25%,var(--line))}.callout strong{display:block;margin-bottom:5px}.callout.warning{background:color-mix(in srgb,var(--brand) 7%,var(--surface));border-color:color-mix(in srgb,var(--brand) 28%,var(--line))}.answer-box{padding:25px;border-radius:20px;background:linear-gradient(135deg,color-mix(in srgb,var(--accent) 10%,var(--surface)),var(--surface));border:1px solid var(--line);margin:20px 0 32px}.answer-box strong{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--accent)}.answer-box p{font-size:18px;margin:8px 0 0}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:16px;margin:22px 0}table{width:100%;border-collapse:collapse;min-width:560px;background:var(--surface)}th,td{text-align:left;padding:13px 15px;border-bottom:1px solid var(--line);vertical-align:top}th{font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);background:var(--surface-2)}tr:last-child td{border-bottom:0}.two-col-list{columns:2;column-gap:28px}.two-col-list li{break-inside:avoid;margin-bottom:8px}
.faq details{border:1px solid var(--line);border-radius:14px;background:var(--surface);margin:10px 0;padding:0 18px}.faq summary{font-weight:850;cursor:pointer;padding:17px 28px 17px 0;position:relative;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";position:absolute;right:0;font-size:22px;line-height:1}.faq details[open] summary::after{content:"–"}.faq details p{color:var(--muted);margin:0 0 18px}.cta-panel{position:relative;overflow:hidden;padding:36px;border-radius:28px;background:linear-gradient(135deg,var(--ink),#153f50);color:#fff}.cta-panel::after{content:"";position:absolute;right:-80px;top:-90px;width:250px;height:250px;border:55px solid rgba(255,255,255,.05);border-radius:50%}.cta-panel h2{font-size:clamp(28px,4vw,44px);line-height:1.1;margin:0 0 12px;position:relative;z-index:1}.cta-panel p{color:#cfe0e4;max-width:720px;position:relative;z-index:1}.cta-panel .cta-row{position:relative;z-index:1}
.calculator{display:grid;grid-template-columns:1fr 1fr;gap:18px;background:var(--surface);border:1px solid var(--line);padding:24px;border-radius:22px}.field{display:grid;gap:7px}.field label{font-size:13px;font-weight:800}.field input,.field select,.field textarea{width:100%;min-height:46px;padding:10px 12px;border:1px solid var(--line);border-radius:11px;background:var(--bg);color:var(--text)}.field textarea{min-height:105px;resize:vertical}.field small{color:var(--muted)}.calc-result{grid-column:1/-1;padding:18px;border-radius:14px;background:var(--surface-2);border:1px solid var(--line)}.calc-result strong{font-size:22px}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.form-grid .wide{grid-column:1/-1}.brief-output{white-space:pre-wrap;background:var(--surface-2);border:1px solid var(--line);border-radius:14px;padding:16px;min-height:120px}
.steps{counter-reset:step;display:grid;gap:14px}.step{counter-increment:step;display:grid;grid-template-columns:48px 1fr;gap:14px;padding:19px;border:1px solid var(--line);background:var(--surface);border-radius:16px}.step::before{content:counter(step);width:42px;height:42px;border-radius:13px;display:grid;place-items:center;background:var(--brand);color:#fff;font-weight:900}.step h3{margin:0 0 4px;font-size:18px}.step p{margin:0;color:var(--muted)}.comparison{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.comparison .card-flat{padding:22px}.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:20px;overflow:hidden}.stat-strip>div{background:var(--surface);padding:24px}.stat-strip b{display:block;font-size:21px}.stat-strip span{display:block;color:var(--muted);font-size:13px;margin-top:3px}.pill-grid{display:flex;flex-wrap:wrap;gap:9px}.pill-grid a,.pill-grid span{display:inline-flex;padding:9px 12px;border:1px solid var(--line);background:var(--surface);border-radius:999px;text-decoration:none;font-weight:700;font-size:13px}.pill-grid a:hover{border-color:var(--brand);color:var(--brand)}
.search-dialog{width:min(760px,calc(100% - 24px));max-height:min(720px,90vh);border:0;border-radius:22px;padding:0;background:var(--surface);color:var(--text);box-shadow:0 35px 100px rgba(0,0,0,.35)}.search-dialog::backdrop{background:rgba(4,12,20,.7);backdrop-filter:blur(5px)}.search-head{display:flex;gap:10px;padding:14px;border-bottom:1px solid var(--line);position:sticky;top:0;background:var(--surface);z-index:2}.search-head input{flex:1;min-height:48px;border:1px solid var(--line);border-radius:12px;padding:0 14px;background:var(--bg);color:var(--text)}.search-results{padding:10px;overflow:auto;max-height:620px}.search-item{display:block;padding:13px;border-radius:12px;text-decoration:none}.search-item:hover{background:var(--surface-2)}.search-item b{display:block}.search-item small{display:block;color:var(--muted);margin-top:3px}.search-empty{padding:30px;text-align:center;color:var(--muted)}
.site-footer{margin-top:70px;background:#08131d;color:#dbe7ea}.footer-grid{display:grid;grid-template-columns:1.15fr repeat(3,.85fr);gap:34px;padding:58px 0 38px}.footer-brand p{color:#98aeb8;max-width:360px}.footer-col h3{font-size:13px;text-transform:uppercase;letter-spacing:.08em;margin:0 0 13px;color:#fff}.footer-col a{display:block;color:#aabdc5;text-decoration:none;padding:4px 0;font-size:14px}.footer-col a:hover{color:#fff}.footer-bottom{display:flex;justify-content:space-between;gap:20px;padding:20px 0 28px;border-top:1px solid #1d303c;color:#8fa5ae;font-size:13px}.footer-bottom a{color:#b9c9cf}.floating-cta{position:fixed;right:18px;bottom:18px;z-index:80;display:flex;gap:8px}.floating-cta a,.floating-cta button{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;border:1px solid var(--line);background:var(--surface);color:var(--text);box-shadow:var(--shadow);text-decoration:none}.floating-cta .quote{width:auto;border-radius:999px;padding:0 17px;background:var(--brand);border-color:var(--brand);color:#fff;font-weight:850}
.notice{font-size:13px;color:var(--muted);padding:12px 14px;background:var(--surface-2);border:1px solid var(--line);border-radius:12px}.brand-note{font-size:13px;color:var(--muted);border-left:3px solid var(--line);padding-left:13px}.empty-state{padding:35px;border:1px dashed var(--line);border-radius:18px;text-align:center;color:var(--muted)}.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
@media (max-width:980px){.desktop-nav{display:none}.mobile-toggle{display:grid}.hero-grid,.split,.split.reverse,.content-wrap{grid-template-columns:1fr}.hero-visual{max-width:680px}.content-wrap{gap:28px}.toc{position:relative;top:0;max-height:none;order:-1}.grid-4{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.comparison{grid-template-columns:1fr}.stat-strip{grid-template-columns:repeat(2,1fr)}}
@media (max-width:680px){:root{--header:66px}.container,.narrow{width:min(100% - 22px,var(--container))}.brand-copy small{display:none}.brand img{width:38px;height:38px}.header-actions .search-label{display:none}.hero{padding-top:50px}.hero-grid{gap:34px}.hero h1,.page-hero h1{font-size:clamp(36px,12vw,52px)}.metric-row{grid-template-columns:1fr}.grid-2,.grid-3,.grid-4,.calculator,.form-grid{grid-template-columns:1fr}.calc-result,.form-grid .wide{grid-column:auto}.section{padding:52px 0}.section-head{align-items:start;flex-direction:column}.two-col-list{columns:1}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}.floating-cta .quote{display:none}.hero-actions .btn,.cta-row .btn{width:100%}.page-hero{padding-bottom:38px}.stat-strip{grid-template-columns:1fr}.mega{display:none}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{scroll-behavior:auto!important;transition:none!important;animation:none!important}}
@media print{.site-header,.site-footer,.floating-cta,.toc,.reading-progress,.hero-actions,.cta-row{display:none!important}body{background:#fff;color:#000}.section,.section-sm{padding:20px 0}.card,.card-flat,.content img{box-shadow:none;break-inside:avoid}.content-wrap{display:block}.page-hero{padding:10px 0 20px}a{text-decoration:none;color:#000}}

.page-meta{display:flex;gap:10px 20px;flex-wrap:wrap;margin-top:16px;color:var(--muted);font-size:13px;font-weight:700}.page-meta span{display:inline-flex;align-items:center;gap:6px}.page-meta span+span::before{content:"•";opacity:.45;margin-right:4px}@media (max-width:680px){.page-meta{display:grid;gap:6px}.page-meta span+span::before{display:none}}