:root{
  --ink:#172033;--muted:#5f6b7c;--paper:#f7f5ef;--card:#ffffff;--line:#d9d7cf;
  --navy:#17233c;--indigo:#384b8f;--gold:#d6a447;--gold2:#f1c86d;--teal:#287f86;
  --shadow:0 12px 34px rgba(23,32,51,.10);--radius:18px;--max:1480px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}a{color:#244b9b;text-underline-offset:3px}a:hover{color:#173875}img,svg{max-width:100%;height:auto}button,input,select,textarea{font:inherit}.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}
.skip{position:absolute;left:-9999px;top:auto}.skip:focus{left:16px;top:12px;background:#fff;padding:10px 14px;z-index:1000;border-radius:10px}
.site-header{background:linear-gradient(125deg,var(--navy),#25365d);color:#fff;box-shadow:0 4px 16px rgba(0,0,0,.16);position:relative;z-index:20}.header-row{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 0}.brand{display:flex;gap:12px;align-items:center;color:#fff;text-decoration:none;font-weight:800;letter-spacing:.1px}.brand-mark{width:42px;height:42px;border-radius:12px;background:linear-gradient(145deg,var(--gold2),var(--gold));display:grid;place-items:center;color:var(--navy);box-shadow:inset 0 0 0 1px rgba(255,255,255,.4)}.brand-mark svg{width:27px;height:27px}.brand small{display:block;font-weight:500;color:#d8e0f0;letter-spacing:.2px}.nav-toggle{display:none;background:#fff1;border:1px solid #ffffff55;color:#fff;padding:9px 11px;border-radius:10px}.topnav{display:flex;gap:6px;flex-wrap:wrap;align-items:center}.topnav a{color:#eaf0ff;text-decoration:none;padding:8px 10px;border-radius:9px;font-size:.95rem}.topnav a:hover,.topnav a[aria-current="page"]{background:#ffffff16;color:#fff}
.hero{position:relative;overflow:hidden;background:linear-gradient(145deg,#eef1fb 0%,#fbf8ef 55%,#f5ead2 100%);border-bottom:1px solid var(--line)}.hero:after{content:"";position:absolute;width:420px;height:420px;right:-90px;top:-165px;border-radius:50%;border:70px solid rgba(214,164,71,.13);box-shadow:0 0 0 40px rgba(56,75,143,.06),0 0 0 88px rgba(40,127,134,.045)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(300px,.7fr);gap:48px;align-items:center;padding:72px 0;position:relative;z-index:1}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:800;color:var(--indigo);font-size:.78rem}.hero h1{font-size:clamp(2.35rem,5vw,5.1rem);line-height:1.02;margin:.2em 0 .25em;letter-spacing:-.045em}.hero p{font-size:1.13rem;color:#44516a;max-width:760px}.hero-card{background:#fff;border:1px solid #e4dfd3;border-radius:26px;padding:26px;box-shadow:var(--shadow)}.time-dial{aspect-ratio:1;border-radius:50%;border:13px solid var(--navy);position:relative;background:radial-gradient(circle,#fff 0 55%,#f5efe2 56% 100%);margin:0 auto 20px;max-width:250px}.time-dial:before,.time-dial:after{content:"";position:absolute;left:50%;top:50%;transform-origin:4px 4px;background:var(--navy);border-radius:8px}.time-dial:before{width:8px;height:78px;transform:translate(-4px,-74px) rotate(22deg)}.time-dial:after{width:8px;height:58px;transform:translate(-4px,-4px) rotate(118deg)}.dial-dot{position:absolute;width:18px;height:18px;border-radius:50%;background:var(--gold);left:50%;top:50%;transform:translate(-50%,-50%);z-index:2}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;text-decoration:none;border-radius:12px;padding:11px 16px;font-weight:750;border:1px solid transparent;cursor:pointer}.btn-primary{background:var(--indigo);color:#fff}.btn-primary:hover{background:#293b79;color:#fff}.btn-secondary{background:#fff;color:var(--navy);border-color:#cfc9ba}.btn-secondary:hover{background:#f8f5ee;color:var(--navy)}
.section{padding:56px 0}.section.alt{background:#fff;border-block:1px solid #e7e4dc}.section h2{font-size:clamp(1.65rem,3vw,2.55rem);line-height:1.15;margin:0 0 14px;letter-spacing:-.02em}.lead{font-size:1.08rem;color:var(--muted);max-width:860px}.grid{display:grid;gap:20px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 5px 18px rgba(23,32,51,.04)}.card h3{margin:0 0 7px;font-size:1.15rem}.card p{color:var(--muted);margin:.35em 0}.card .kicker{font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;font-weight:800;color:var(--teal)}.card-link{display:block;text-decoration:none;color:inherit;transition:.18s transform,.18s box-shadow}.card-link:hover{transform:translateY(-2px);box-shadow:var(--shadow);color:inherit}.iconbox{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:#eef1fb;color:var(--indigo);font-weight:900;margin-bottom:14px}
.page-head{background:linear-gradient(145deg,#eef1fb,#f8f5ec);border-bottom:1px solid var(--line);padding:50px 0}.breadcrumbs{font-size:.9rem;color:var(--muted);margin-bottom:12px}.breadcrumbs a{color:inherit}.page-head h1{font-size:clamp(2rem,4vw,3.6rem);line-height:1.08;margin:.15em 0 .25em;letter-spacing:-.035em;max-width:980px}.page-head p{max-width:900px;font-size:1.08rem;color:#4d596d}.content-wrap{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:38px;padding:44px 0 66px}.prose{min-width:0}.prose h2{font-size:1.7rem;line-height:1.2;margin:1.65em 0 .5em}.prose h3{font-size:1.25rem;margin:1.35em 0 .4em}.prose p,.prose li{color:#374257}.prose ul,.prose ol{padding-left:1.25em}.prose table{width:100%;border-collapse:collapse;margin:18px 0;display:block;overflow:auto}.prose th,.prose td{text-align:left;border:1px solid var(--line);padding:10px 12px;min-width:130px}.prose th{background:#f1efe8}.note,.warning,.tip{border-left:5px solid var(--indigo);background:#eef1fb;padding:16px 18px;border-radius:0 12px 12px 0;margin:22px 0}.warning{border-color:#b67624;background:#fff5df}.tip{border-color:var(--teal);background:#e9f6f5}.note strong,.warning strong,.tip strong{display:block;margin-bottom:3px}.side{position:relative}.sidebox{position:sticky;top:18px}.side h3{margin-top:0}.side ul{list-style:none;padding:0;margin:0}.side li{border-bottom:1px solid var(--line)}.side a{display:block;padding:9px 0;text-decoration:none;color:#36435a}.side a:hover{color:var(--indigo)}
.calc-shell{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);overflow:hidden;margin:28px 0}.calc-head{background:linear-gradient(125deg,var(--navy),#314575);color:#fff;padding:20px 24px}.calc-head h2{margin:0;font-size:1.45rem}.calc-body{padding:24px}.calc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.field label{display:block;font-weight:750;margin-bottom:6px}.field input,.field select{width:100%;border:1px solid #bfc5cf;border-radius:10px;padding:10px 11px;background:#fff;color:var(--ink)}.field small{display:block;color:var(--muted);margin-top:4px}.calc-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}.calc-result{margin-top:20px;background:#f1f5ff;border:1px solid #cbd6f2;border-radius:14px;padding:18px}.calc-result strong.big{font-size:1.8rem;display:block;color:var(--indigo)}.result-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:12px}.result-chip{background:#fff;border:1px solid #dbe2f1;border-radius:10px;padding:12px}.result-chip span{display:block;color:var(--muted);font-size:.84rem}.result-chip b{font-size:1.1rem}.formula{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;background:#f4f2eb;border:1px solid var(--line);padding:12px;border-radius:10px;overflow:auto}
.topic-pills{display:flex;flex-wrap:wrap;gap:8px}.topic-pills a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 11px;text-decoration:none;color:#38445b}.topic-pills a:hover{background:#eef1fb;color:var(--indigo)}
.site-footer{background:#121c31;color:#d8dfec;padding:40px 0 26px;margin-top:0}.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:32px}.site-footer h3,.site-footer h4{color:#fff;margin-top:0}.site-footer a{color:#d8dfec}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:6px 0}.fine{border-top:1px solid #ffffff20;margin-top:28px;padding-top:18px;color:#aeb8c9;font-size:.9rem}.muted{color:var(--muted)}.center{text-align:center}.tag{display:inline-block;background:#e9f6f5;color:#246a70;border-radius:999px;font-size:.8rem;font-weight:800;padding:5px 9px}.mini-stat{font-size:2rem;font-weight:850;color:var(--indigo);line-height:1}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px 16px;margin:9px 0}.faq summary{cursor:pointer;font-weight:750}.directory-list{columns:2;column-gap:30px}.directory-list a{display:block;break-inside:avoid;padding:6px 0}
@media(max-width:980px){.hero-grid{grid-template-columns:1fr}.hero-card{max-width:520px}.content-wrap{grid-template-columns:1fr}.sidebox{position:static}.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){.wrap{width:min(var(--max),calc(100% - 22px))}.header-row{align-items:flex-start;flex-wrap:wrap}.nav-toggle{display:block;margin-left:auto}.topnav{display:none;width:100%;padding:4px 0 8px}.topnav.open{display:flex;flex-direction:column;align-items:stretch}.topnav a{padding:10px 12px}.hero-grid{padding:48px 0;gap:28px}.hero h1{font-size:clamp(2.25rem,12vw,3.5rem)}.grid-2,.grid-3,.grid-4,.calc-grid,.result-grid,.footer-grid{grid-template-columns:1fr}.section{padding:42px 0}.page-head{padding:38px 0}.content-wrap{padding-top:30px}.directory-list{columns:1}}
@media print{.site-header,.site-footer,.side,.actions,.nav-toggle{display:none!important}.content-wrap{display:block}.page-head{background:#fff;padding:16px 0}.section{padding:18px 0}.calc-shell{box-shadow:none}}