:root{--ink:#112536;--ink-soft:#415263;--muted:#637487;--paper:#f7f8f6;--white:#fff;--line:#dfe5e5;--teal:#087d75;--teal-dark:#076960;--mint:#e6f3ef;--amber:#eec88f;--red:#a2312e;--red-bg:#fff1ee;--shadow:0 18px 46px rgba(17,37,54,.08);--radius:22px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--paper);font-family:Inter,"Segoe UI",Arial,sans-serif;line-height:1.55}
button,input,select{font:inherit}
button{cursor:pointer}
a{color:inherit;text-decoration:none}
a:hover{color:var(--teal)}
img{max-width:100%}
.publication-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.publication-card{display:flex;flex-direction:column;min-width:0;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff;transition:transform .18s,border-color .18s}
.publication-card:hover{transform:translateY(-3px);border-color:var(--teal)}
.publication-card>img{display:block;width:100%;height:auto;aspect-ratio:1200/630;object-fit:cover}
.publication-card-body{display:flex;flex-direction:column;flex:1;padding:23px}
.publication-card h3{font-size:1.25rem;line-height:1.3;letter-spacing:-.02em;margin:10px 0 13px}
.publication-card p{font-size:14px;line-height:1.65}
.publication-card .text-link{margin-top:14px}
.publication-card-meta{margin-top:auto;color:var(--muted);font-size:12px}
.publication-section{scroll-margin-top:25px;margin:45px 0}
.publication-section>h2{font-size:1.8rem;margin-bottom:22px}
.topic-nav{display:flex;flex-wrap:wrap;gap:9px;margin:25px 0 35px}
.topic-nav a{padding:9px 14px;border:1px solid var(--line);border-radius:30px;background:#fff;font-size:14px}
.topic-nav a:hover{background:var(--mint);border-color:var(--teal)}
.page-intro.article-intro{max-width:1060px}
.page-intro.article-intro h1{max-width:1060px;font-size:clamp(2.1rem,4.1vw,3.9rem);overflow-wrap:break-word}
.article-meta{display:flex;flex-wrap:wrap;gap:8px 19px;font-size:13px;color:var(--muted);margin-top:23px}
.article-meta a{text-decoration:underline;text-underline-offset:3px}
.article-cover{margin:0 0 28px}
.article-cover img{display:block;width:100%;height:auto;border-radius:16px}
.article-toc{padding:24px 27px;border:1px solid var(--line);border-radius:16px;background:#fff;margin-bottom:34px}
.article-toc ol{padding-left:20px;margin:12px 0 0}
.article-toc li{margin:7px 0;font-size:14px}
.long-form{min-width:0;overflow-wrap:break-word}
.long-form h2{scroll-margin-top:24px;line-height:1.25}
.long-form ul,.long-form ol{padding-left:25px;line-height:1.8;color:var(--ink-soft)}
.long-form li{margin-bottom:10px}
.long-form .formula{white-space:normal;font-size:17px;line-height:1.65;overflow-wrap:anywhere}
.article-example{padding:23px 25px;border-left:4px solid var(--teal);border-radius:0 12px 12px 0;background:var(--mint);margin:24px 0}
.article-example>strong{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.07em;color:var(--teal-dark);margin-bottom:10px}
.article-example p:last-child{margin-bottom:0}
.editorial-table{width:100%;border-collapse:collapse;min-width:480px;font-size:14px;margin:12px 0 22px}
.editorial-table th,.editorial-table td{padding:13px 15px;border:1px solid var(--line);text-align:left;vertical-align:top;line-height:1.6}
.editorial-table th{background:var(--ink);color:#fff;font-weight:600}
.editorial-table tbody tr:nth-child(even){background:#fff}
.article-sources{padding-top:15px;border-top:1px solid var(--line);margin-top:35px}
.article-sources p,.article-sources li{font-size:14px}
.article-related{margin:35px 0;padding:25px;background:#fff;border:1px solid var(--line);border-radius:16px}
.article-related h2{margin-top:0;font-size:24px}
.article-aside .article-scope{font-size:12px;margin:18px 0 0;line-height:1.6}
.article-scope a{text-decoration:underline}
.editorial-policy{max-width:840px;border-top:1px solid var(--line);padding-top:30px;margin-top:45px;scroll-margin-top:25px}
.editorial-policy h2{font-size:25px}
.editorial-policy p{font-size:14px;line-height:1.75}
.editorial-policy a,.contextual-reading a{color:var(--teal-dark);text-decoration:underline;text-underline-offset:3px}
.contextual-reading h2{font-size:26px}
.contextual-reading ul{padding-left:22px;line-height:1.8}
@media(max-width:1000px){.publication-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px){.publication-grid{grid-template-columns:minmax(0,1fr)}.publication-card-body{padding:20px}.article-toc{padding:20px}.article-example{padding:18px}.page-intro.article-intro h1{font-size:2.15rem}.article-meta{gap:8px 15px}.long-form h2{font-size:24px}.topic-nav a{font-size:13px}}
h1,h2,h3,p{margin-top:0}
h1,h2,h3{letter-spacing:-.035em;line-height:1.12}
h1{font-size:clamp(2.75rem,5.2vw,5.35rem);font-weight:740}
h2{font-size:clamp(2rem,3.2vw,3.2rem);font-weight:720}
h3{font-size:1.28rem;font-weight:700}
p{color:var(--ink-soft)}
small{font-size:.78em;color:var(--muted)}
:focus-visible{outline:3px solid #dc9c44;outline-offset:3px}
.skip-link{position:absolute;left:12px;top:-70px;z-index:50;padding:10px 16px;background:#fff;border-radius:8px}
.skip-link:focus{top:12px}
.site-header{position:relative;z-index:20;background:var(--white);border-bottom:1px solid var(--line)}
.header-inner{max-width:1280px;margin:auto;min-height:80px;padding:0 28px;display:flex;align-items:center;gap:46px}
.brand{display:inline-flex;align-items:center;gap:11px;flex:none;line-height:1.05}
.brand-mark{display:grid;place-items:center;width:43px;height:43px;border-radius:12px;background:var(--ink);color:#fff;font-size:24px;font-weight:800;letter-spacing:-.1em}
.brand-mark span{font-size:14px;align-self:start;margin:8px 0 0 1px;color:var(--amber)}
.brand-name{font-size:15px;letter-spacing:-.02em;font-weight:680}
.brand-name strong{color:var(--teal);font-weight:760}
.main-nav{display:flex;align-items:center;gap:28px;margin-left:auto}
.main-nav a{font-size:14px;font-weight:640;color:var(--ink-soft);white-space:nowrap}
.main-nav a:hover{color:var(--teal)}
.header-cta{white-space:nowrap;padding:11px 17px;background:var(--ink);color:#fff;border-radius:11px;font-size:14px;font-weight:680}
.header-cta:hover{color:#fff;background:var(--teal-dark)}
.menu-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:9px 12px;font-weight:650}
.home-main{overflow:hidden}
.hero{max-width:1280px;margin:0 auto;padding:72px 28px 76px;display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(30px,5vw,90px);align-items:center}
.hero-copy{max-width:690px}
.eyebrow,.overline{display:inline-flex;align-items:center;gap:9px;color:var(--teal);text-transform:uppercase;letter-spacing:.12em;font-size:11px;font-weight:800}
.hero-eyebrow{color:var(--teal-dark);margin-bottom:19px}
.status-dot{height:7px;width:7px;border-radius:50%;background:var(--teal)}
.hero h1{margin-bottom:23px}
.hero h1 em{font-style:normal;color:var(--teal)}
.hero-copy>p{max-width:565px;font-size:19px;line-height:1.6;margin-bottom:30px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.button{display:inline-flex;align-items:center;justify-content:center;gap:15px;padding:14px 20px;border-radius:12px;border:1px solid transparent;font-weight:700;font-size:15px;min-height:48px;text-align:center;transition:transform .18s ease,background .18s ease,color .18s ease}
.button:hover{transform:translateY(-2px)}
.button-primary{background:var(--teal);color:#fff}
.button-primary:hover{background:var(--teal-dark);color:#fff}
.button-outline{border-color:#b8c5ca;background:transparent}
.button-outline:hover{border-color:var(--teal);background:#edf6f3}
.hero-notes{display:flex;gap:23px;flex-wrap:wrap;margin-top:34px;color:var(--muted);font-size:13px}
.hero-notes span{position:relative;padding-left:18px}
.hero-notes span:before{content:'✓';position:absolute;left:0;color:var(--teal);font-weight:800}
.hero-visual{max-width:500px;width:100%;margin:auto;position:relative;background:var(--ink);color:#fff;border-radius:28px;padding:31px 34px 28px;box-shadow:0 30px 55px rgba(17,37,54,.18)}
.hero-visual:before{content:'';position:absolute;z-index:-1;inset:-18px -19px 24px 26px;border:1px solid #c7d8d4;border-radius:30px;transform:rotate(3deg)}
.visual-top{display:flex;justify-content:space-between;color:#aac1c3;font-size:11px;font-weight:750;letter-spacing:.14em}
.visual-big{font-size:clamp(3.8rem,6vw,5.3rem);font-weight:760;letter-spacing:-.07em;line-height:1;margin:31px 0 9px}
.visual-big small{font-size:.45em;color:var(--amber)}
.visual-caption{color:#bdd1d1;font-size:14px;margin-bottom:25px}
.visual-rule{height:1px;background:#4d6572;margin-bottom:19px}
.visual-row{display:flex;justify-content:space-between;gap:15px;padding:10px 0;color:#b8ccd0;font-size:14px}
.visual-row strong{color:#fff}
.visual-note{margin-top:19px;padding:13px 15px;border-radius:10px;background:#274052;color:#c7d8dd;font-size:12px}
.section-shell{max-width:1280px;margin:0 auto;padding:72px 28px}
.section-heading{margin-bottom:33px}
.section-heading h2{max-width:740px;margin:7px 0 0}
.section-heading.split{display:flex;justify-content:space-between;gap:30px;align-items:end}
.section-heading.split p{max-width:385px;margin-bottom:3px}
.tool-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.tool-card{display:flex;flex-direction:column;align-items:flex-start;min-height:320px;padding:29px;border-radius:var(--radius);background:#fff;border:1px solid var(--line);box-shadow:0 5px 16px rgba(17,37,54,.025);transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease}
.tool-card:hover{transform:translateY(-5px);border-color:#96cfc4;box-shadow:var(--shadow);color:var(--ink)}
.tool-icon{display:grid;place-items:center;width:50px;height:50px;background:var(--mint);color:var(--teal);border-radius:13px;font-size:23px;font-weight:750;margin-bottom:21px}
.tool-label{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.14em;color:var(--teal)}
.tool-card h3{font-size:clamp(1.5rem,2vw,2rem);margin:9px 0 10px}
.tool-card p{max-width:465px;margin-bottom:25px}
.text-link{color:var(--teal-dark);font-size:14px;font-weight:750}
.tool-card .text-link{margin-top:auto}
.trust-section{padding-top:84px;padding-bottom:84px}
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.feature-grid article{padding:29px 26px 12px 0;border-top:1px solid #bacacb}
.feature-index{color:var(--teal);font-size:13px;font-weight:770}
.feature-grid h3{margin:36px 0 9px}
.feature-grid p{max-width:315px}
.steps-section{max-width:none;background:#eaf1ef;padding-left:max(28px,calc((100vw - 1224px)/2));padding-right:max(28px,calc((100vw - 1224px)/2))}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.steps-grid>div{background:#fff;border-radius:18px;padding:26px;min-height:222px}
.steps-grid span{display:inline-flex;width:43px;height:43px;align-items:center;justify-content:center;background:var(--ink);border-radius:10px;color:#fff;font-size:13px;font-weight:800;margin-bottom:25px}
.steps-grid h3{margin-bottom:9px}
.editorial-section{display:grid;grid-template-columns:1fr .75fr;gap:70px;align-items:center}
.editorial-section>div:first-child{max-width:650px}
.editorial-section h2{margin:10px 0 18px}
.editorial-section p{font-size:17px;line-height:1.7}
.editorial-figure{min-height:290px;display:flex;gap:20px;align-items:center;padding:34px;background:#daeae4;border-radius:26px}
.editorial-figure>span{font-size:clamp(5rem,8vw,8rem);font-weight:780;letter-spacing:-.09em;line-height:1;color:var(--teal)}
.editorial-figure>div{padding-top:45px}
.editorial-figure strong{display:block;font-size:20px}
.editorial-figure p{font-size:14px;margin:6px 0 0}
.guides-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}
.guide-card{display:flex;align-items:flex-start;gap:20px;min-height:208px;padding:25px;background:#fff;border:1px solid var(--line);border-radius:18px;transition:border-color .2s ease,transform .2s ease}
.guide-card:hover{border-color:#8ccbc1;transform:translateY(-3px);color:var(--ink)}
.guide-number{font-size:12px;color:var(--teal);font-weight:800;padding-top:5px}
.guide-card h3{font-size:18px;margin-bottom:10px}
.guide-card p{font-size:14px;margin-bottom:15px}
.faq-home{padding-bottom:95px}
.faq-home>.text-link{display:inline-block;margin-top:23px}
.faq-list{border-top:1px solid var(--line)}
.faq-list details{border-bottom:1px solid var(--line);padding:0 3px}
.faq-list summary{cursor:pointer;list-style:none;padding:22px 34px 22px 0;font-size:17px;font-weight:670;position:relative}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary:after{content:'+';position:absolute;right:4px;top:16px;font-size:26px;font-weight:400;color:var(--teal)}
.faq-list details[open] summary:after{content:'−'}
.faq-list details p{max-width:780px;margin:0 30px 21px 0}
.inner-main{max-width:1224px;padding:31px 28px 96px;margin:0 auto;min-height:65vh}
.breadcrumbs{display:flex;align-items:center;flex-wrap:wrap;gap:10px;color:var(--muted);font-size:13px;margin:9px 0 42px}
.breadcrumbs a:hover{color:var(--teal)}
.page-intro{max-width:830px;margin-bottom:42px}
.page-intro h1{font-size:clamp(2.65rem,4.7vw,4.7rem);margin:12px 0 19px}
.lead{font-size:19px;line-height:1.65;max-width:790px}
.catalog-grid{margin:45px 0 85px}
.content-section{padding:75px 0;border-top:1px solid var(--line)}
.content-section h2{margin:11px 0 18px}
.comparison-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:28px 0 25px}
.comparison-grid>div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px}
.comparison-grid p{margin-bottom:0}
.muted{font-size:14px;color:var(--muted)}
.calculator-layout{display:grid;grid-template-columns:minmax(0,1.65fr) minmax(265px,.75fr);align-items:start;gap:27px;margin:36px 0 65px}
.calculator-panel,.context-panel{background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow)}
.calculator-panel{padding:31px}
.panel-head{display:flex;justify-content:space-between;align-items:start;gap:15px;padding-bottom:23px;border-bottom:1px solid var(--line);margin-bottom:25px}
.panel-head h2{font-size:25px;margin:7px 0 0}
.panel-mark{font-size:12px;color:var(--muted);font-weight:700;letter-spacing:.08em}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-bottom:18px}
.field{display:flex;flex-direction:column;gap:7px;min-width:0}
.field>span{color:var(--ink);font-size:13px;font-weight:700}
.field input,.field select,.payment-row input{width:100%;min-height:45px;border:1px solid #cbd6d7;border-radius:10px;background:#fff;color:var(--ink);padding:10px 12px;outline:none}
.field input:focus,.field select:focus,.payment-row input:focus{border-color:var(--teal);box-shadow:0 0 0 3px #d8efea}
.field input::placeholder{color:#94a0a9}
.field-help{font-size:13px;color:var(--muted);margin:7px 0 16px}
.payment-fieldset,.assumptions{border:0;padding:0;margin:27px 0 20px}
.payment-fieldset legend,.assumptions legend{font-size:17px;font-weight:720;padding:0;margin-bottom:4px}
.payment-list{display:grid;gap:10px}
.payment-row{display:grid;grid-template-columns:1fr 1fr auto;gap:9px;align-items:end}
.payment-row label{display:flex;flex-direction:column;gap:5px;color:var(--muted);font-size:12px;font-weight:650}
.payment-row button{height:45px;width:45px;border:1px solid var(--line);background:#fff;border-radius:10px;color:var(--red);font-size:20px}
.payment-row button:hover{background:var(--red-bg)}
.subtle-button{border:1px dashed #9db6b4;border-radius:10px;padding:9px 13px;background:#f6fbf9;color:var(--teal-dark);font-size:13px;font-weight:740;margin-top:10px}
.subtle-button:hover{background:var(--mint)}
.assumptions{border-top:1px solid var(--line);padding-top:25px}
.calculate-button{width:100%;margin-top:10px}
.form-footnote{font-size:12px;text-align:center;color:var(--muted);margin:11px 0 0}
.form-error{background:var(--red-bg);border:1px solid #e9bcb6;color:var(--red);padding:13px 16px;border-radius:10px;margin:17px 0}
.context-panel{padding:27px;background:#eef4f1;box-shadow:none;position:sticky;top:22px}
.aside-tag{color:var(--teal-dark);font-weight:800;font-size:11px;letter-spacing:.13em;text-transform:uppercase}
.context-panel h3{font-size:22px;margin:13px 0 11px}
.context-panel p,.context-panel li{font-size:14px}
.context-panel ol{padding-left:20px;margin:20px 0 30px}
.context-panel li{padding-left:5px;margin:8px 0;color:var(--ink-soft)}
.aside-source{display:flex;flex-direction:column;gap:3px;border-top:1px solid #bbd3cd;padding-top:22px}
.aside-source span{color:var(--muted);font-size:12px}
.aside-source strong{font-size:15px}
.aside-source a{color:var(--teal-dark);font-size:13px;font-weight:750;margin-top:7px}
.result-panel{border-top:1px solid var(--line);margin-top:33px;padding-top:28px}
.result-panel h2{font-size:23px;margin-bottom:6px}
.result-topline{color:var(--muted);font-size:12px;text-transform:uppercase;letter-spacing:.12em;font-weight:760}
.result-total{font-size:clamp(2.6rem,5vw,4rem);line-height:1.1;letter-spacing:-.06em;font-weight:780;color:var(--teal-dark);margin:14px 0}
.result-desc{font-size:14px;margin-bottom:21px}
.result-warning{padding:13px 16px;background:#fff6e6;border-left:3px solid #dfa955;border-radius:8px;font-size:13px;margin:17px 0;color:#6a4b22}
.result-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:19px 0 27px}
.result-stat{padding:14px;background:#f3f7f5;border-radius:10px}
.result-stat span{display:block;color:var(--muted);font-size:11px;margin-bottom:4px}
.result-stat strong{font-size:15px}
.result-panel h3{font-size:18px;margin:30px 0 14px}
.table-scroll{overflow:auto;border:1px solid var(--line);border-radius:13px;background:#fff}
.result-table,.rate-table{width:100%;border-collapse:collapse;min-width:620px;font-size:13px}
.result-table th,.rate-table th{text-align:left;background:#edf4f1;color:var(--ink-soft);font-size:11px;text-transform:uppercase;letter-spacing:.07em;padding:12px 13px;white-space:nowrap}
.result-table td,.rate-table td{padding:12px 13px;border-top:1px solid var(--line);white-space:nowrap}
.result-table tr:nth-child(even),.rate-table tr:nth-child(even){background:#fafcfb}
.result-table td:last-child,.result-table th:last-child{text-align:right}
.result-assumptions{margin:18px 0 0;padding-left:18px;color:var(--muted);font-size:12px}
.result-assumptions li{margin:5px 0}
.result-actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:24px}
.result-actions button{border:1px solid #b8d3ce;border-radius:10px;background:#fff;color:var(--teal-dark);padding:10px 14px;font-size:13px;font-weight:730}
.result-actions button:hover{background:var(--mint)}
.rich-text{max-width:830px}
.rich-text p{line-height:1.75}
.related-band{display:flex;justify-content:space-between;gap:40px;align-items:center;background:var(--ink);border-radius:20px;padding:32px;color:#fff}
.related-band h2{font-size:27px;max-width:540px;margin:11px 0}
.related-band p{color:#c0d0d6;max-width:600px;font-size:14px;margin-bottom:0}
.related-links{display:flex;flex-direction:column;gap:10px;min-width:185px}
.related-links a{color:#b7eee2;font-weight:700;font-size:14px}
.article-layout{display:grid;grid-template-columns:minmax(0,1.7fr) minmax(260px,.68fr);gap:55px;align-items:start}
.article-body{max-width:780px}
.article-body h2{font-size:27px;margin:33px 0 13px}
.article-body h2:first-child{margin-top:0}
.article-body p{font-size:16px;line-height:1.75}
.article-body a:not(.button){color:var(--teal-dark);text-decoration:underline;text-underline-offset:3px}
.article-aside{padding:27px;border-radius:18px;background:#eaf2ef;position:sticky;top:22px}
.article-aside h3{margin:13px 0 9px}
.article-aside p{font-size:14px}
.article-aside .button{margin-top:10px;width:100%}
.formula{background:var(--ink);color:#fff;font-weight:700;border-radius:14px;padding:24px;margin:21px 0;font-size:16px;line-height:1.7}
.source-box{display:flex;flex-direction:column;gap:9px;padding:19px 22px;background:#edf4f1;border-radius:13px;margin-top:34px}
.source-box strong{font-size:13px}
.source-box a{font-size:13px}
.rate-summary{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin:35px 0 70px}
.rate-summary div{padding:19px;background:#fff;border:1px solid var(--line);border-radius:13px}
.rate-summary span{display:block;font-size:12px;color:var(--muted);margin-bottom:7px}
.rate-summary strong{font-size:17px}
.rate-table{min-width:350px}
.rate-table td:last-child,.rate-table th:last-child{text-align:right}
.source-note{font-size:13px;margin-top:15px}
.source-note a{color:var(--teal-dark);text-decoration:underline}
.guides-index{margin-top:20px}
.wide-faq{max-width:850px;margin-top:45px}
.site-footer{background:var(--ink);color:#e9f0f2;padding:55px max(28px,calc((100vw - 1224px)/2)) 23px}
.footer-top{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:42px;padding-bottom:50px}
.footer-brand .brand-mark{background:#e8f2ee;color:var(--ink)}
.footer-top p{color:#b1c5ca;max-width:300px;font-size:13px;margin:17px 0}
.footer-top h2{font-size:13px;letter-spacing:0;font-weight:800;margin:6px 0 17px}
.footer-top div:not(:first-child){display:flex;flex-direction:column;gap:10px}
.footer-top a:not(.brand){font-size:13px;color:#b8cbd0}
.footer-top a:hover{color:#fff}
.footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #3c5361;padding-top:22px;color:#9fb4bc;font-size:12px}
.footer-owner{display:flex;flex-direction:column;gap:5px;color:#b8cbd0;font-size:12px;overflow-wrap:anywhere}
.legal-details{margin:24px 0 36px;border-top:1px solid var(--line)}
.legal-details>div{display:grid;grid-template-columns:180px minmax(0,1fr);gap:15px;padding:13px 0;border-bottom:1px solid var(--line)}
.legal-details dt{font-size:13px;color:var(--muted)}
.legal-details dd{margin:0;overflow-wrap:anywhere;font-size:15px}
.legal-nav{display:flex;flex-direction:column;gap:13px;margin-top:18px}
.legal-nav a{font-size:14px;text-decoration:underline;text-underline-offset:3px}
.legal-nav [aria-current=page]{font-weight:750;color:var(--teal-dark)}
.legal-contact{display:flex;flex-direction:column;gap:6px;margin-top:25px;padding-top:20px;border-top:1px solid #bfd6ce;overflow-wrap:anywhere;font-size:12px}
.legal-contact a{color:var(--teal-dark)}
.legal-notice{padding:20px;border-left:3px solid var(--teal);background:var(--mint);border-radius:10px;margin-bottom:28px}
.legal-notice p{font-size:14px;margin:8px 0 0}
.form-legal{font-size:12px;text-align:center;color:var(--muted);margin:15px 0 0}
.form-legal a{text-decoration:underline;text-underline-offset:3px}
@media(max-width:540px){.legal-details>div{grid-template-columns:1fr;gap:4px}}
@media print{.form-legal{display:none!important}}
@media(max-width:1000px){.header-inner{gap:22px}.main-nav{gap:14px}.header-cta{padding:10px 12px}.hero{grid-template-columns:1fr .8fr;gap:28px}.hero-visual{padding:25px}.calculator-layout{grid-template-columns:minmax(0,1fr) 270px}.editorial-section{gap:30px}.footer-top{gap:22px}}
@media(max-width:760px){.header-inner{min-height:68px}.menu-toggle{display:block;margin-left:auto}.header-cta{display:none}.main-nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:17px 28px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:0}.main-nav.is-open{display:flex}.main-nav a{padding:11px 0}.hero{grid-template-columns:1fr;padding-top:50px}.hero-visual{max-width:560px;margin:25px 0 0}.section-heading.split{display:block}.section-heading.split p{margin-top:16px}.tool-grid,.comparison-grid,.editorial-section,.calculator-layout,.article-layout{grid-template-columns:1fr}.context-panel,.article-aside{position:static}.feature-grid,.steps-grid,.guides-grid{grid-template-columns:1fr 1fr}.editorial-figure{min-height:220px}.footer-top{grid-template-columns:repeat(2,1fr)}.rate-summary{grid-template-columns:1fr 1fr}}
@media(max-width:540px){h1{font-size:2.7rem}.header-inner{padding:0 18px}.brand-name{font-size:13px}.hero{padding:42px 20px 55px}.hero-copy>p{font-size:16px}.hero-actions .button{width:100%}.hero-visual:before{display:none}.section-shell{padding:55px 20px}.feature-grid,.steps-grid,.guides-grid,.rate-summary{grid-template-columns:1fr}.steps-section{padding-left:20px;padding-right:20px}.section-heading{margin-bottom:24px}.editorial-section{gap:23px}.editorial-figure{padding:22px}.inner-main{padding:21px 20px 65px}.breadcrumbs{margin-bottom:26px}.page-intro{margin-bottom:29px}.page-intro h1{font-size:2.5rem}.lead{font-size:16px}.calculator-panel{padding:20px}.form-grid{grid-template-columns:1fr}.payment-row{grid-template-columns:1fr 1fr auto}.payment-row input{min-width:0}.result-stats{grid-template-columns:1fr}.related-band{display:block;padding:25px}.related-links{margin-top:20px}.footer-top{grid-template-columns:1fr 1fr}.footer-top>div:first-child{grid-column:1/-1}.footer-bottom{display:block}.footer-bottom span{display:block;margin:5px 0}}
@media print{body{background:#fff;color:#000}.site-header,.site-footer,.breadcrumbs,.context-panel,.calculator-panel>form,.panel-head,.content-section,.related-band,.page-intro,.result-actions,.skip-link{display:none!important}.inner-main{max-width:none;padding:0}.calculator-layout{display:block;margin:0}.calculator-panel{border:0;box-shadow:none;padding:0}.result-panel{display:block!important;border:0;padding:0;margin:0}.result-table{min-width:0;font-size:10px}.result-table th,.result-table td{padding:6px}.result-warning{border:1px solid #aaa;background:#fff;color:#000}.result-total{color:#000}}
@media print{.page-intro.article-intro{display:block!important}.article-layout{display:block}.article-aside,.article-cover,.article-toc,.article-related{display:none}.long-form{max-width:none}.article-example{break-inside:avoid}.article-intro h1{font-size:26px}.long-form h2{font-size:20px}.long-form p,.long-form li{font-size:11px}.editorial-table{min-width:0;font-size:10px}.table-scroll{overflow:visible;border:0}.article-meta{font-size:10px}}