:root{--navy:#1e3a8a;--navy-dark:#172c6b;--blue:#2563eb;--sky:#38bdf8;--green:#16a34a;--red:#dc2626;--ink:#0f172a;--muted:#64748b;--line:#e2e8f0;--bg:#f8fafc;--card:#ffffff;--radius:12px}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.container{max-width:1120px;margin:0 auto;padding:0 20px}main{min-height:60vh}.site-header{background:rgba(30,58,138,.96);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);color:#fff;position:-webkit-sticky;position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(255,255,255,.08)}.site-header .container{display:flex;align-items:center;justify-content:space-between;height:66px;position:relative}.brand{font-weight:800;font-size:1.35rem;color:#fff;letter-spacing:-.02em}.brand span{color:var(--sky)}.nav{display:flex;gap:26px;align-items:center}.nav a{color:#dbe4ff;font-weight:500;font-size:.95rem;padding:6px 2px;border-bottom:2px solid transparent}.nav a:hover{color:#fff;text-decoration:none;border-bottom-color:var(--sky)}.menu-btn{display:none;background:none;border:0;cursor:pointer;padding:10px 6px}.menu-btn span{display:block;width:22px;height:2px;background:#fff;margin:5px 0;border-radius:2px;transition:transform .18s ease,opacity .18s ease}.menu-btn[aria-expanded=true] span:first-child{transform:translateY(7px) rotate(45deg)}.menu-btn[aria-expanded=true] span:nth-child(2){opacity:0}.menu-btn[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}@media (max-width:720px){.menu-btn{display:block}.nav{display:none;position:absolute;top:66px;left:0;right:0;background:var(--navy-dark);flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 18px;border-top:1px solid rgba(255,255,255,.1);box-shadow:0 18px 30px rgba(0,0,0,.25)}.nav.open{display:flex}.nav a{padding:13px 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:1rem}.nav a:hover{border-bottom-color:rgba(255,255,255,.08)}}.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--navy) 0,var(--navy-dark) 55%,#0b1c48 100%);color:#fff;padding:88px 0 76px}.hero:before{width:640px;height:640px;right:-180px;top:-200px;background:radial-gradient(circle,rgba(56,189,248,.22) 0,rgba(56,189,248,0) 65%)}.hero:after,.hero:before{content:"";position:absolute;pointer-events:none}.hero:after{inset:0;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 0),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 0);background-size:44px 44px;-webkit-mask-image:radial-gradient(ellipse 85% 75% at 50% 25%,black 25%,transparent 78%);mask-image:radial-gradient(ellipse 85% 75% at 50% 25%,black 25%,transparent 78%)}.hero .container{position:relative;z-index:1}.hero-badge{display:inline-flex;align-items:center;gap:9px;background:rgba(56,189,248,.1);border:1px solid rgba(56,189,248,.35);color:#bae6fd;font-size:.8rem;font-weight:700;letter-spacing:.02em;padding:7px 15px;border-radius:999px;margin-bottom:22px}.hero-badge .dot{width:8px;height:8px;border-radius:50%;background:#4ade80;box-shadow:0 0 10px #4ade80;flex-shrink:0}.hero h1{font-size:clamp(2.2rem,5vw,3.3rem);margin:0 0 16px;letter-spacing:-.03em;line-height:1.12;max-width:780px}.hero h1 .grad{background:linear-gradient(90deg,var(--sky),#a5f3fc);-webkit-background-clip:text;background-clip:text;color:transparent}.hero p{color:#c7d5f5;font-size:1.12rem;max-width:640px;margin:0 0 30px;line-height:1.7}.hero-cta{gap:12px}.hero-cta,.hero-stats{display:flex;flex-wrap:wrap}.hero-stats{gap:40px;margin-top:44px;padding-top:28px;border-top:1px solid rgba(255,255,255,.12)}.hero-stat .num{font-size:1.65rem;font-weight:800;color:#fff;letter-spacing:-.02em}.hero-stat .lbl{font-size:.82rem;color:#9db4e8;margin-top:2px}.btn{display:inline-block;padding:13px 26px;border-radius:10px;font-weight:700;border:0;cursor:pointer;font-size:.98rem;transition:transform .12s ease,box-shadow .12s ease,background .12s ease}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--sky);color:#0b2547;box-shadow:0 8px 24px rgba(56,189,248,.35)}.btn-primary:hover{background:#7dd3fc;text-decoration:none;box-shadow:0 12px 30px rgba(56,189,248,.45)}.btn-ghost{background:rgba(255,255,255,.06);color:#fff;border:1.5px solid #5b7bd5}.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.12);text-decoration:none}.section{padding:56px 0}.section h2{font-size:1.8rem;margin:0 0 8px;letter-spacing:-.02em;color:var(--ink)}.section .sub{color:var(--muted);margin:0 0 30px;max-width:680px;font-size:1.02rem}.eyebrow{display:inline-block;font-size:.74rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:10px}.filter-pills{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:26px}.pill{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:8px 18px;font-weight:600;font-size:.88rem;color:var(--muted);cursor:pointer;transition:all .12s ease}.pill:hover{border-color:var(--blue);color:var(--blue)}.pill.active{background:var(--navy);border-color:var(--navy);color:#fff;box-shadow:0 6px 16px rgba(30,58,138,.25)}.tool-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));grid-gap:18px;gap:18px}.tool-card{position:relative;background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px;display:block;color:inherit;transition:transform .14s ease,box-shadow .14s ease,border-color .14s ease}.tool-card:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(30,58,138,.14);border-color:#bcd0f7;text-decoration:none}.tool-badge{width:48px;height:48px;border-radius:13px;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.15rem;margin-bottom:14px;box-shadow:0 6px 14px rgba(37,99,235,.28)}.tool-card h3{margin:0 0 6px;font-size:1.06rem;letter-spacing:-.01em}.tool-card p{margin:0;color:var(--muted);font-size:.9rem;line-height:1.55}.tool-cat{display:inline-block;font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;background:#e8effd;border-radius:20px;padding:3px 10px;margin-bottom:12px}.tool-card .go,.tool-cat{font-weight:700;color:var(--blue)}.tool-card .go{position:absolute;top:20px;right:20px;font-size:1.2rem;opacity:0;transform:translateX(-6px);transition:opacity .14s ease,transform .14s ease}.tool-card:hover .go{opacity:1;transform:none}.feature-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));grid-gap:18px;gap:18px}.feature-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px 28px;transition:transform .14s ease,box-shadow .14s ease}.feature-card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(30,58,138,.1)}.feature-icon{width:54px;height:54px;border-radius:15px;background:linear-gradient(135deg,#e0f2fe,#bae6fd);display:flex;align-items:center;justify-content:center;font-size:1.45rem;margin-bottom:18px}.feature-card h3{margin:0 0 8px;font-size:1.12rem;letter-spacing:-.01em}.feature-card p{margin:0;color:var(--muted);font-size:.94rem;line-height:1.65}.cta-band{position:relative;overflow:hidden;background:linear-gradient(120deg,var(--navy) 0,#0b1c48 100%);border-radius:22px;padding:56px 40px;color:#fff;text-align:center;margin:24px 0 8px}.cta-band:before{content:"";position:absolute;width:480px;height:480px;left:-140px;bottom:-220px;background:radial-gradient(circle,rgba(56,189,248,.2) 0,rgba(56,189,248,0) 65%);pointer-events:none}.cta-band h2{color:#fff;font-size:1.9rem;margin:0 0 12px;letter-spacing:-.02em;position:relative}.cta-band p{color:#c7d5f5;max-width:560px;margin:0 auto 28px;position:relative}.cta-band .hero-cta{justify-content:center;position:relative}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px}.prose{max-width:760px}.prose h2{margin-top:36px}.prose table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.95rem}.prose td,.prose th{border:1px solid var(--line);padding:10px 12px;text-align:left}.prose th{background:#f1f5f9}.prose blockquote{border-left:4px solid var(--sky);margin:20px 0;padding:8px 18px;background:#f0f9ff;border-radius:0 8px 8px 0}.calc-shell{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:0 10px 34px rgba(30,58,138,.07);margin-bottom:8px}.calc-layout{display:grid;grid-template-columns:360px 1fr;grid-gap:28px;gap:28px;align-items:start}@media (max-width:900px){.calc-layout{grid-template-columns:1fr}.calc-shell{padding:20px}}.calc-layout .card{border:0;padding:0;background:transparent}@media (min-width:901px){.calc-layout .card{position:-webkit-sticky;position:sticky;top:92px;background:#f8fafc;border:1px solid var(--line);border-radius:14px;padding:22px}}.field{margin-bottom:15px}.field label{display:block;font-weight:600;font-size:.88rem;margin-bottom:7px;color:var(--ink)}.field input[type=number],.field select{width:100%;padding:11px 13px;border:1.5px solid var(--line);border-radius:10px;font-size:1rem;background:#fff;transition:border-color .12s ease,box-shadow .12s ease}.field input[type=number]:focus,.field select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(37,99,235,.14)}.field .hint{font-size:.8rem;color:var(--muted);margin-top:4px}.check-row{display:flex;align-items:center;gap:10px;font-weight:600;font-size:.9rem}.check-row input{width:18px;height:18px;accent-color:var(--blue)}.results{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));grid-gap:14px;gap:14px;margin-bottom:24px}.result-box{background:#f8fafc;border:1px solid var(--line);border-top:3px solid var(--sky);border-radius:12px;padding:15px 17px;transition:transform .12s ease,box-shadow .12s ease}.result-box:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(30,58,138,.1)}.result-box.highlight{background:linear-gradient(180deg,#eef4ff,#f8fbff);border-color:#bcd0f7;border-top:3px solid var(--blue)}.result-box .lbl{font-size:.76rem;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.05em}.result-box .val{font-size:1.3rem;font-weight:800;color:var(--navy);margin-top:5px;overflow-wrap:anywhere;letter-spacing:-.01em}.chart-wrap{margin:24px 0}.chart-wrap h3{font-size:1.05rem;margin:0 0 8px}.chart-wrap canvas{width:100%;height:320px;display:block;background:#fff;border:1px solid var(--line);border-radius:10px}.warn-box{background:#fef2f2;border:1px solid #fecaca;color:#991b1b;border-radius:10px;padding:14px 18px;margin-bottom:20px;font-weight:600}.note-box{background:#fffbeb;border:1px solid #fde68a;color:#92400e;border-radius:10px;padding:12px 16px;margin:16px 0;font-size:.9rem}.disclaimer{padding:14px 18px;background:#f1f5f9;border-radius:10px;font-size:.85rem;color:var(--muted)}.disclaimer,.faq{margin-top:32px}.faq details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:#fff}.faq summary{padding:14px 18px;font-weight:700;cursor:pointer}.faq summary:hover{color:var(--navy)}.faq .faq-a{padding:0 18px 16px;color:#334155}.post-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));grid-gap:18px;gap:18px}.post-card{background:var(--card);border:1px solid var(--line);border-top:3px solid transparent;border-radius:var(--radius);padding:22px;display:block;color:inherit;transition:transform .12s ease,box-shadow .12s ease,border-color .12s ease}.post-card:hover{text-decoration:none;transform:translateY(-3px);border-top-color:var(--sky);box-shadow:0 10px 28px rgba(30,58,138,.1)}.post-card h3{margin:0 0 8px;font-size:1.1rem;color:var(--navy);line-height:1.35}.post-card p{margin:0 0 14px;color:var(--muted);font-size:.92rem;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}.post-date{font-size:.8rem;color:var(--muted);font-weight:600}.post-cat{display:inline-block;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--blue);background:#e8effd;border-radius:20px;padding:3px 10px;margin-bottom:10px}.post-meta-row{display:flex;align-items:center;gap:8px;font-size:.8rem;color:var(--muted);font-weight:600}.read-more{margin-left:auto;color:var(--blue);font-weight:700;white-space:nowrap}.post-card:hover .read-more{text-decoration:underline}.featured-card{display:block;position:relative;overflow:hidden;border-radius:16px;padding:38px 36px;margin:6px 0 30px;color:#fff;background:linear-gradient(120deg,var(--navy) 0,var(--navy-dark) 55%,#0f2350 100%);transition:box-shadow .15s ease,transform .15s ease}.featured-card:after{content:"";position:absolute;right:-70px;top:-70px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(56,189,248,.28) 0,rgba(56,189,248,0) 70%);pointer-events:none}.featured-card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:0 18px 44px rgba(30,58,138,.28)}.featured-card .post-cat{background:rgba(255,255,255,.14);color:#fff;margin-bottom:12px}.featured-card 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strong{color:var(--ink)}.key-takeaway{background:#f0f9ff;border:1px solid #bae6fd;border-left:4px solid var(--sky);border-radius:0 10px 10px 0;padding:16px 20px;margin:0 0 30px;font-size:.98rem;color:#0c4a6e}.key-takeaway strong,.prose h2{color:var(--navy)}.prose h2{font-size:1.45rem;letter-spacing:-.01em;padding-bottom:10px;border-bottom:2px solid #e8effd}.prose p{margin:0 0 16px}.prose ol,.prose ul{padding-left:22px;margin:0 0 18px}.prose li{margin-bottom:8px}.prose tbody tr:nth-child(2n){background:#f8fafc}.prose thead th{background:var(--navy);color:#fff;border-color:var(--navy);font-size:.85rem;text-transform:uppercase;letter-spacing:.03em}.related{margin-top:52px}.related h2{font-size:1.45rem;color:var(--navy);margin:0 0 18px;letter-spacing:-.01em}.post-meta{color:var(--muted);font-size:.9rem;margin-bottom:20px}.article-body img{max-width:100%}@media (max-width:640px){.article-title{font-size:1.8rem}.featured-card{padding:28px 24px}.featured-card h2{font-size:1.4rem}.featured-badge{position:static;display:inline-block;margin-bottom:12px}}.ad-slot{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:6px;max-width:100%;margin:24px auto;overflow:hidden}.ad-slot-empty{display:none}.ad-label{display:block;color:var(--muted);font-size:.68rem;line-height:1.2;letter-spacing:.08em;text-transform:uppercase}.banner-ad{display:flex;align-items:center;justify-content:center;max-width:100%;overflow:hidden}.native-ad{min-height:100px}.smartlink-ad{display:flex;align-items:center;gap:10px;margin-top:20px;font-size:.82rem}.smartlink-ad .ad-label{color:#94a3b8}.smartlink-ad a{color:#cbd5e1;text-decoration:underline}.site-footer{background:var(--ink);color:#94a3b8;padding:44px 0 28px;margin-top:56px;font-size:.9rem}.site-footer .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;grid-gap:32px;gap:32px;margin-bottom:30px}@media (max-width:900px){.site-footer .cols{grid-template-columns:1fr 1fr}}@media (max-width:560px){.site-footer .cols{grid-template-columns:1fr}}@media (max-width:760px){.banner-ad{overflow-x:auto;justify-content:flex-start}}.site-footer h4{color:#fff;margin:0 0 12px;font-size:1rem}.site-footer a{color:#94a3b8;display:block;margin-bottom:8px}.site-footer a:hover{color:#fff}.site-footer .fine{border-top:1px solid #1e293b;padding-top:20px;font-size:.82rem}.admin-wrap{max-width:860px;margin:0 auto}.admin-table{width:100%;border-collapse:collapse;font-size:.92rem}.admin-table td,.admin-table th{border:1px solid var(--line);padding:10px 12px;text-align:left}.admin-table th{background:#f1f5f9}.admin-form textarea.code{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.9rem}.btn-danger{background:var(--red);color:#fff}.btn-secondary{background:#e2e8f0;color:var(--ink)}.admin-bar{display:flex;gap:10px;margin:18px 0;flex-wrap:wrap}.msg-ok{background:#f0fdf4;border:1px solid #bbf7d0;color:#166534;border-radius:8px}.msg-err,.msg-ok{padding:10px 14px;margin:12px 0}.msg-err{background:#fef2f2;border:1px solid #fecaca;color:#991b1b;border-radius:8px}.crumbs{font-size:.85rem;margin:22px 0 6px}.crumbs,.crumbs a{color:var(--muted)}.page-head h1{margin:6px 0 10px;font-size:2rem;letter-spacing:-.02em}.page-head .lede{color:var(--muted);font-size:1.08rem;max-width:720px}.lang-switch{display:inline-flex;align-items:center;justify-content:center;min-width:44px;height:30px;padding:0 10px;border:1px solid rgba(255,255,255,.35);border-radius:999px;color:#fff!important;font-weight:700;font-size:.8rem;letter-spacing:.06em}.lang-switch:hover{background:rgba(255,255,255,.14);text-decoration:none;border-bottom-color:rgba(255,255,255,.35)!important}