:root{--bg:#f6f8fc;--paper:#fff;--ink:#142033;--muted:#65728b;--brand:#225df5;--brand2:#0f3ba8;--line:#e4e9f2;--soft:#eef3ff;--green:#0a855d;--orange:#a84b00;--shadow:0 12px 34px rgba(20,32,51,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.72}a{color:var(--brand)}img{max-width:100%}.top{background:#0d1930;color:#fff}.nav{max-width:1180px;margin:auto;padding:18px 22px;display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap}.brand{font-weight:900;color:#fff;text-decoration:none;font-size:1.25rem}.navlinks{display:flex;gap:15px;flex-wrap:wrap}.navlinks a{color:#dbe6ff;text-decoration:none;font-size:.96rem}.hero{max-width:1180px;margin:auto;padding:76px 22px 68px}.hero h1{font-size:clamp(2.45rem,5vw,4.85rem);line-height:1.04;max-width:920px;margin:8px 0 22px}.hero p{font-size:1.22rem;max-width:800px;color:#dbe6f9}.wrap{max-width:1180px;margin:auto;padding:54px 22px}.article{max-width:880px}.kicker{font-size:.82rem;text-transform:uppercase;letter-spacing:.07em;font-weight:900;color:var(--brand)}.pill{display:inline-block;padding:5px 10px;border-radius:999px;background:var(--soft);color:var(--brand2);font-size:.84rem;font-weight:800}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(255px,1fr));gap:20px}.card{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:var(--shadow)}.card h2,.card h3{margin-top:7px;line-height:1.2}.card a.title{color:var(--ink);text-decoration:none}.card a.title:hover{text-decoration:underline}.cta{display:inline-block;padding:14px 19px;border-radius:12px;background:var(--brand);color:#fff;text-decoration:none;font-weight:850;margin:6px 8px 6px 0}.cta.secondary{background:#edf2ff;color:#174bb8}.cta.dark{background:#132447}.toc{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 22px;margin:26px 0}.toc a{text-decoration:none}.note{background:#effaf6;border-left:4px solid var(--green);padding:16px 18px;border-radius:10px;margin:22px 0}.warn{background:#fff7ed;border-left:4px solid #d97706;padding:16px 18px;border-radius:10px;margin:22px 0}.small{font-size:.91rem;color:var(--muted)}table{width:100%;border-collapse:collapse;background:#fff;margin:22px 0}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:#f0f4fb}.tool{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:var(--shadow)}label{display:block;font-weight:760;margin:13px 0 5px}select,input[type=number],input[type=text],textarea{width:100%;padding:12px 13px;border:1px solid #ccd4e2;border-radius:10px;font:inherit;background:#fff}button{border:0;background:var(--brand);color:#fff;padding:13px 17px;border-radius:11px;font:inherit;font-weight:850;cursor:pointer;margin-top:14px}.result{margin-top:18px;padding:16px;border-radius:12px;background:#eef5ff;display:none}.metric{font-size:2rem;font-weight:900}.breadcrumbs{font-size:.92rem;color:var(--muted);margin-bottom:14px}.byline{font-size:.92rem;color:var(--muted);margin:9px 0 28px}.callout{background:linear-gradient(135deg,#132447,#225df5);color:#fff;padding:25px;border-radius:18px;margin:32px 0}.callout a{color:#fff}.footer{background:#0d1930;color:#cfdaf0;margin-top:70px}.footerin{max-width:1180px;margin:auto;padding:38px 22px}.footer a{color:#dfe7fa}.cols{display:grid;grid-template-columns:1.35fr .65fr;gap:28px}@media(max-width:850px){.cols{grid-template-columns:1fr}.hero{padding-top:54px}.nav{align-items:flex-start}table{font-size:.93rem}}