:root{
  --ink:#0b1f33;--ink-2:#16324f;--muted:#5e6f80;--line:#d9e2ea;--paper:#ffffff;--wash:#f5f8fb;
  --accent:#087f8c;--accent-2:#065f68;--good:#166534;--warn:#9a6700;--bad:#b42318;--radius:4px;
  --shadow:0 10px 30px rgba(14,39,64,.08);--max:1180px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.58;-webkit-font-smoothing:antialiased}a{color:var(--accent-2);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--ink)}img,svg{max-width:100%}button,input,select{font:inherit}button{cursor:pointer}
.container{width:min(var(--max),calc(100% - 32px));margin-inline:auto}.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:50}.header-row{min-height:62px;display:flex;align-items:center;gap:24px}.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;letter-spacing:-.02em}.brand-mark{width:30px;height:30px;border:1px solid var(--ink);display:grid;place-items:center;border-radius:3px;font-size:12px;background:var(--ink);color:#fff}.brand small{display:block;color:var(--muted);font-weight:600;font-size:10px;letter-spacing:.08em;text-transform:uppercase;margin-top:-3px}.nav{margin-left:auto;display:flex;align-items:center;gap:18px;font-size:14px}.nav a{text-decoration:none;color:var(--ink-2);font-weight:650}.nav a:hover{color:var(--accent)}.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);padding:7px 10px;border-radius:3px}
.hero{background:linear-gradient(180deg,#f7fafc 0,#fff 100%);border-bottom:1px solid var(--line);padding:52px 0 34px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(420px,.98fr);gap:46px;align-items:start}.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:.13em;font-weight:800;color:var(--accent-2);margin:0 0 10px}.hero h1,.page-hero h1{font-size:clamp(1.9rem,3vw,2.75rem);line-height:1.08;letter-spacing:-.035em;margin:0 0 14px}.hero-lede{font-size:1.1rem;color:var(--ink-2);max-width:700px;margin:0 0 20px}.trust-line{display:flex;gap:18px;flex-wrap:wrap;color:var(--muted);font-size:13px}.trust-line span{display:inline-flex;gap:7px;align-items:center}.dot{width:7px;height:7px;border-radius:50%;background:var(--accent)}
.calc-shell{border:1px solid #cdd9e3;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow)}.calc-head{padding:20px 22px 14px;border-bottom:1px solid var(--line)}.calc-head h2{margin:0 0 4px;font-size:1.05rem}.calc-head p{margin:0;color:var(--muted);font-size:13px}.calc-body{padding:20px 22px}.input-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field label{display:block;font-size:12px;font-weight:800;color:var(--ink-2);margin-bottom:6px}.field small{display:block;color:var(--muted);font-size:11px;margin-top:5px}.money-input{display:flex;border:1px solid #b9c8d5;border-radius:3px;overflow:hidden;background:#fff}.money-input span{display:grid;place-items:center;padding:0 10px;background:var(--wash);border-right:1px solid #cfd9e2;color:var(--muted);font-size:13px}.money-input input,.field input,.field select{width:100%;border:1px solid #b9c8d5;border-radius:3px;padding:10px 11px;background:#fff;color:var(--ink)}.money-input input{border:0;border-radius:0;min-width:0}.money-input input:focus,.field input:focus,.field select:focus{outline:2px solid rgba(8,127,140,.18);outline-offset:0}.form-actions{display:flex;gap:10px;margin-top:16px;align-items:center}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:1px solid var(--ink);border-radius:3px;padding:10px 15px;font-weight:800;text-decoration:none;font-size:14px}.btn-primary{background:var(--ink);color:#fff}.btn-primary:hover{background:var(--ink-2);color:#fff}.btn-secondary{background:#fff;color:var(--ink)}.btn-secondary:hover{background:var(--wash)}.inline-note{font-size:12px;color:var(--muted)}
.result-wrap{margin-top:16px;border-top:1px solid var(--line);padding-top:17px}.result-wrap[hidden]{display:none}.snapshot{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}.metric{padding:12px;border:1px solid var(--line);border-radius:3px;background:#fbfdff}.metric span{display:block;font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-weight:800}.metric strong{display:block;font-size:1.3rem;letter-spacing:-.03em;margin-top:3px}.metric em{font-style:normal;font-size:11px;font-weight:700}.status-good{color:var(--good)}.status-warn{color:var(--warn)}.status-bad{color:var(--bad)}
.scenario-table{width:100%;border-collapse:collapse;margin-top:14px;font-size:13px}.scenario-table th,.scenario-table td{border-bottom:1px solid var(--line);padding:9px 6px;text-align:left;vertical-align:top}.scenario-table th{font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}.scenario-table td:last-child,.scenario-table th:last-child{text-align:right}.scenario-table strong{white-space:nowrap}.recovery{margin-top:14px;border-left:3px solid var(--accent);background:#f4fafb;padding:11px 12px;font-size:13px}.recovery strong{display:block;color:var(--ink)}
.section{padding:54px 0}.section.alt{background:var(--wash);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.section-head{max-width:760px;margin-bottom:26px}.section-head h2{font-size:1.65rem;line-height:1.2;letter-spacing:-.025em;margin:0 0 8px}.section-head p{margin:0;color:var(--muted)}.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.four-col{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.info-card{border:1px solid var(--line);border-radius:var(--radius);padding:18px;background:#fff}.info-card h3{font-size:1rem;margin:0 0 7px}.info-card p{color:var(--muted);font-size:14px;margin:0}.info-card .formula{display:inline-block;margin:10px 0 0;padding:5px 7px;background:var(--wash);font:700 13px ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;color:var(--ink-2)}
.metric-grid{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);border-right:0;border-bottom:0}.metric-link{display:block;padding:18px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);text-decoration:none;background:#fff}.metric-link:hover{background:#f8fbfd}.metric-link strong{display:block;color:var(--ink);font-size:1rem}.metric-link span{display:block;color:var(--muted);font-size:12px;margin-top:3px}.metric-link code{display:inline-block;margin-top:10px;color:var(--accent-2);font-weight:800}
.kpi-bars{display:grid;gap:10px;margin-top:14px}.kpi-row{display:grid;grid-template-columns:135px 1fr 90px;gap:10px;align-items:center;font-size:12px}.bar{height:8px;background:#e7edf2;position:relative}.bar i{display:block;height:100%;background:var(--accent);width:0}.kpi-row strong{text-align:right}.example-box{border:1px solid var(--line);background:#fff;padding:20px;border-radius:var(--radius)}.example-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.example-box h3{margin-top:0}.definition-list{display:grid;grid-template-columns:180px 1fr;border-top:1px solid var(--line)}.definition-list dt,.definition-list dd{margin:0;padding:13px 10px;border-bottom:1px solid var(--line)}.definition-list dt{font-weight:850}.definition-list dd{color:var(--muted)}
.page-hero{padding:38px 0 26px;background:var(--wash);border-bottom:1px solid var(--line)}.page-hero p{max-width:760px;color:var(--muted);font-size:1.03rem;margin:0}.breadcrumbs{font-size:12px;color:var(--muted);margin-bottom:12px}.breadcrumbs a{color:var(--muted)}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:38px;align-items:start}.article h2{margin-top:34px;font-size:1.45rem}.article h3{margin-top:26px}.article p,.article li{color:#2f4559}.article table{width:100%;border-collapse:collapse;font-size:14px}.article th,.article td{padding:10px;border-bottom:1px solid var(--line);text-align:left}.article th{background:var(--wash)}.formula-callout{background:#f4fafb;border-left:3px solid var(--accent);padding:14px 16px;margin:18px 0}.formula-callout code{font-size:1rem;font-weight:800}.sidebar{position:sticky;top:84px}.side-card{border:1px solid var(--line);padding:16px;border-radius:var(--radius);margin-bottom:14px}.side-card h3{font-size:.95rem;margin:0 0 10px}.side-card a{display:block;padding:6px 0;font-size:13px;text-decoration:none;border-bottom:1px dotted #d6e0e8}.side-card a:last-child{border-bottom:0}.review-box{font-size:12px;color:var(--muted);background:var(--wash);padding:12px;border:1px solid var(--line);margin:20px 0}.review-box strong{color:var(--ink)}
.bac-list{display:grid;gap:8px}.bac-row{display:grid;grid-template-columns:1fr 165px 34px;gap:8px}.bac-row input{width:100%;border:1px solid #b9c8d5;padding:9px;border-radius:3px}.icon-btn{border:1px solid var(--line);background:#fff;border-radius:3px}.bac-total{display:flex;justify-content:space-between;border-top:2px solid var(--ink);padding-top:12px;margin-top:12px;font-size:1.05rem}.bac-total strong{font-size:1.35rem}
.faq details{border-top:1px solid var(--line);padding:14px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{font-weight:800;cursor:pointer}.faq p{color:var(--muted);margin-bottom:0}
.site-footer{background:var(--ink);color:#cbd6e0;padding:42px 0 22px}.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:30px}.site-footer .brand{color:#fff}.site-footer h3{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:#fff;margin:4px 0 12px}.site-footer a{display:block;color:#cbd6e0;text-decoration:none;font-size:13px;padding:3px 0}.site-footer a:hover{color:#fff}.footer-note{font-size:12px;color:#9eb0c0;max-width:420px;margin-top:13px}.footer-bottom{border-top:1px solid #2a435d;margin-top:30px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;align-items:center;font-size:11px;color:#96aabd}.footer-bottom button{background:none;color:#cbd6e0;border:0;text-decoration:underline;padding:0}
.cookie{position:fixed;left:16px;right:16px;bottom:16px;max-width:760px;margin:auto;background:#fff;border:1px solid #9eafbe;box-shadow:0 14px 45px rgba(3,20,37,.24);z-index:100;padding:16px;border-radius:4px;display:none}.cookie.show{display:block}.cookie-row{display:flex;gap:18px;align-items:center}.cookie p{margin:0;color:var(--muted);font-size:13px;flex:1}.cookie-actions{display:flex;gap:8px;flex-shrink:0}
.notice{border:1px solid var(--line);background:var(--wash);padding:12px 14px;font-size:13px;color:var(--muted);border-radius:3px}.source-list{font-size:13px}.source-list li{margin:8px 0}.tag{display:inline-block;font-size:11px;font-weight:800;padding:3px 6px;border:1px solid #bdd3d7;color:var(--accent-2);background:#f5fbfb;border-radius:2px}
@media(max-width:940px){.hero-grid,.content-grid{grid-template-columns:1fr}.hero-grid{gap:28px}.sidebar{position:static}.four-col,.metric-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.nav{display:none;position:absolute;left:0;right:0;top:62px;background:#fff;border-bottom:1px solid var(--line);padding:14px 16px;flex-direction:column;align-items:flex-start}.nav.open{display:flex}.menu-btn{display:block}.header-row{position:relative}}
@media(max-width:640px){.container{width:min(100% - 22px,var(--max))}.hero{padding:36px 0 24px}.input-grid,.snapshot,.three-col,.four-col,.metric-grid,.example-grid{grid-template-columns:1fr}.calc-body,.calc-head{padding-left:15px;padding-right:15px}.section{padding:40px 0}.kpi-row{grid-template-columns:105px 1fr 68px}.footer-grid{grid-template-columns:1fr}.footer-bottom,.cookie-row{align-items:flex-start;flex-direction:column}.cookie-actions{width:100%}.cookie-actions .btn{flex:1}.bac-row{grid-template-columns:1fr 130px 32px}}