:root{--bg:#f6f9fc;--card:#fff;--ink:#102033;--muted:#5b6777;--line:#dfe7ef;--blue:#0b2a4a;--blue2:#123e6d;--green:#00a86b;--green2:#e9fff6;--shadow:0 12px 34px rgba(10,42,74,.09);--r:8px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink);background:linear-gradient(180deg,#fff 0,#f6f9fc 420px);line-height:1.55}a{color:inherit;text-decoration:none}img,canvas{max-width:100%}.wrap{width:min(1120px,calc(100% - 32px));margin:auto}.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:12px;background:#fff;padding:10px;border-radius:var(--r);z-index:9}.nav{position:sticky;top:0;z-index:6;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:saturate(160%) blur(10px)}.navin{height:66px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{display:flex;align-items:center;color:var(--blue);line-height:0}.logo{display:block;width:180px;height:50px;max-width:42vw}.footer .brand{display:inline-flex;background:#fff;padding:6px 8px;border-radius:8px}.footer .logo{width:150px;height:auto}.links{display:flex;gap:4px;align-items:center;flex-wrap:wrap}.links a{font-size:14px;color:#344458;padding:8px 10px;border-radius:8px}.links a:hover,.links a.active{background:var(--green2);color:#075b3d}.hero{padding:54px 0 28px}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:28px;align-items:center}.eyebrow{display:inline-flex;gap:8px;align-items:center;color:#08724d;background:var(--green2);border:1px solid #c9f4e2;border-radius:999px;padding:6px 12px;font-weight:700;font-size:13px}h1,h2,h3{color:var(--blue);line-height:1.15;margin:0 0 14px}h1{font-size:clamp(30px,4vw,52px);letter-spacing:-.03em}h2{font-size:clamp(24px,3vw,34px);letter-spacing:-.02em}h3{font-size:20px}.lead{font-size:18px;color:var(--muted);max-width:740px}.panel,.tool-card,.form-card,.result-card,.faq details,.note{background:var(--card);border:1px solid var(--line);box-shadow:var(--shadow);border-radius:var(--r)}.panel{padding:24px}.hero-stats{display:grid;grid-template-columns:1fr 1fr;gap:12px}.stat{padding:18px;border-radius:var(--r);background:#f8fbfe;border:1px solid var(--line)}.stat strong{display:block;font-size:24px;color:var(--blue)}.section{padding:28px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.tool-card{padding:20px;transition:.2s transform,.2s box-shadow}.tool-card:hover{transform:translateY(-3px);box-shadow:0 16px 42px rgba(10,42,74,.14)}.tool-card span{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:8px;background:var(--green2);color:var(--green);font-weight:800;margin-bottom:12px}.tool-card p{color:var(--muted);margin:0 0 12px}.tool-card b{color:var(--green)}.tool-hero{padding:38px 0 20px}.layout{display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:18px;align-items:start}.form-card,.result-card{padding:20px}.result-card{position:sticky;top:84px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:12px}.scenario-b,.compare-output{display:none}.compare-on .scenario-b{display:grid}.compare-on+.result-card .compare-output,.layout:has(.compare-on) .compare-output{display:block;margin-top:18px;padding-top:16px;border-top:1px solid var(--line)}.scenario-title{font-weight:800;color:var(--green);margin:12px 0 0}.calc-actions{display:grid;gap:12px;margin:12px 0 6px;padding:14px;border:1px solid var(--line);background:#f8fbfe;border-radius:8px}.mini-label{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:800;margin-bottom:8px}.presets,.toggles{display:flex;gap:8px;flex-wrap:wrap}.preset,.ghost{border:1px solid var(--line);background:#fff;color:#20334a;border-radius:999px;padding:10px 13px;font-weight:800;cursor:pointer;transition:.2s transform,.2s border,.2s background}.preset:hover,.ghost:hover{transform:translateY(-1px);border-color:#9ce8cc;background:var(--green2);color:#075b3d}.ghost{border-radius:8px}label{display:grid;gap:7px;font-weight:700;color:#24354a;font-size:14px}.label-top{display:flex;align-items:center;justify-content:space-between;gap:10px}.help{width:23px;height:23px;border-radius:999px;border:1px solid #b9c9d8;background:#fff;color:var(--blue);font-weight:900;cursor:help;position:relative}.help:hover:after,.help:focus:after{content:attr(data-tip);position:absolute;right:0;top:28px;width:min(250px,72vw);background:#0b2a4a;color:#fff;padding:10px 12px;border-radius:8px;box-shadow:var(--shadow);z-index:8;text-align:left;font-weight:600;line-height:1.35}input,select{width:100%;border:1px solid var(--line);border-radius:8px;padding:12px 13px;font:inherit;color:var(--ink);background:#fff;transition:.2s border,.2s box-shadow}input:focus,select:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(0,168,107,.13)}.range{accent-color:var(--green);padding:0;border:0;box-shadow:none;height:28px}.range:focus{box-shadow:none}.btn{border:0;border-radius:8px;padding:14px 18px;min-height:48px;background:linear-gradient(135deg,var(--blue),var(--blue2));color:#fff;font-weight:800;cursor:pointer;transition:.2s transform,.2s box-shadow;box-shadow:0 10px 22px rgba(11,42,74,.2)}.btn:hover{transform:translateY(-2px);box-shadow:0 14px 28px rgba(11,42,74,.26)}.full{grid-column:1/-1}.results{display:grid;gap:10px;animation:fadeUp .28s ease}.result-row{display:flex;justify-content:space-between;gap:16px;align-items:baseline;border-bottom:1px solid var(--line);padding:9px 0}.result-row:last-child{border-bottom:0}.result-row span{color:var(--muted)}.result-row strong{text-align:right;color:var(--blue);font-size:18px;word-break:keep-all}.chartbox{height:260px;margin-top:14px}.meaning-title{font-size:17px;margin-top:16px}.explain,.note{color:var(--muted)}.note{padding:16px;margin-top:14px}.faq{display:grid;gap:10px}.faq details{padding:16px}.faq summary{cursor:pointer;font-weight:800;color:var(--blue)}.faq p{color:var(--muted);margin:10px 0 0}.related{display:flex;flex-wrap:wrap;gap:10px}.pill{border:1px solid var(--line);background:#fff;border-radius:999px;padding:10px 14px;color:#344458;transition:.2s}.pill:hover{border-color:#a4e9cf;background:var(--green2);color:#075b3d;transform:translateY(-1px)}.footer{margin-top:30px;padding:34px 0;background:#081d33;color:#d8e2ec}.footer-grid{display:grid;grid-template-columns:1fr 2fr;gap:20px}.foot-links{display:flex;gap:10px 16px;flex-wrap:wrap}.foot-links a{color:#d8e2ec;font-size:14px}.small{font-size:13px;color:#8fa4b8;margin-top:16px}@keyframes fadeUp{from{opacity:.55;transform:translateY(4px)}to{opacity:1;transform:none}}@media (max-width:860px){.navin{height:auto;padding:12px 0;align-items:flex-start}.links{justify-content:flex-start}.hero-grid,.layout,.footer-grid{grid-template-columns:1fr}.grid{grid-template-columns:1fr 1fr}.result-card{position:static}.preset,.ghost{min-height:44px}}@media (max-width:560px){.wrap{width:min(100% - 24px,1120px)}.logo{width:150px;height:auto;max-width:70vw}.grid,.form-grid,.hero-stats{grid-template-columns:1fr}.links{display:grid;grid-template-columns:1fr 1fr;width:100%}.links a{padding:9px}.hero{padding-top:32px}.panel,.form-card,.result-card{padding:16px}.chartbox{height:230px}input,select{min-height:48px}.presets,.toggles{display:grid;grid-template-columns:1fr}.preset,.ghost{width:100%;border-radius:8px}}