@font-face{font-family:"Inter";src:url(/assets/fonts/inter.woff2) format("woff2");font-weight:100 900;font-display:swap}
:root{
  --ink:#14171c; --ink2:#2b313a; --muted:#5f6874; --line:#e4e7eb; --line2:#d3d8de;
  --bg:#f7f7f5; --card:#fff; --dark:#111418; --dark2:#1a1f26;
  --accent:#b4530f; --brand:#e07a1f; --accent-soft:#fff3e8; --link:#1d4f86; --focus:#2563eb;
  --c:#b4530f; --cbg:#fff3e8;
  --r:16px; --r-sm:10px; --max:1160px;
  --shadow:0 1px 2px rgba(16,24,40,.04),0 4px 16px rgba(16,24,40,.06);
  --shadow-lg:0 2px 4px rgba(16,24,40,.04),0 16px 40px rgba(16,24,40,.10);
  --font:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.7;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;font-feature-settings:"cv11","ss01"}
img,svg{max-width:100%}
a{color:var(--link);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px 12px;z-index:50}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
@media (max-width:600px){.wrap{padding:0 16px}}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:80px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
.brand{display:flex;align-items:center;gap:12px;color:var(--ink);text-decoration:none}
.brand svg{flex:none;filter:drop-shadow(0 3px 6px rgba(0,0,0,.16))}
.wm{display:flex;flex-direction:column;line-height:1}
.wm1{font-size:25px;font-weight:800;letter-spacing:-.035em}
.wm1 em{font-style:normal;color:var(--brand)}
.wm2{font-size:12px;font-weight:700;letter-spacing:.38em;text-transform:uppercase;color:var(--muted);margin-top:6px}
.nav{display:flex;align-items:center;gap:2px;overflow-x:auto;scrollbar-width:none}
.nav::-webkit-scrollbar{display:none}
.nav a{padding:8px 12px;border-radius:999px;color:var(--ink2);text-decoration:none;font-size:15px;font-weight:500;white-space:nowrap}
.nav a:hover{background:#f1f2f4}
.nav a[aria-current="page"]{background:var(--accent-soft);color:var(--accent)}
.nav .nav-cta{background:var(--ink);color:#fff;margin-left:8px;padding:9px 16px}
.nav .nav-cta:hover{background:#000}
@media (max-width:760px){
  .site-header{position:static}
  .site-header .wrap{min-height:0;padding-top:12px;padding-bottom:10px}
  .nav{width:100%;margin:0 -4px}
  .wm1{font-size:21px}.wm2{font-size:10px;letter-spacing:.3em}.brand svg{width:42px;height:42px}
}

/* ---------- Hero bands ---------- */
.hero{position:relative;background:var(--dark);color:#fff;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:32px 32px;mask-image:linear-gradient(180deg,#000 30%,transparent)}
.hero::after{content:"";position:absolute;width:620px;height:620px;right:-160px;top:-260px;background:radial-gradient(closest-side,rgba(224,122,31,.28),transparent);pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero h1{font-size:clamp(32px,4.6vw,52px);line-height:1.08;letter-spacing:-.035em;margin:6px 0 12px;font-weight:800}
.hero .lede{font-size:clamp(17px,1.6vw,19px);color:#c4cad2;max-width:720px;margin:0}
.crumbs{font-size:14px;color:#9aa3ae;display:flex;gap:8px;align-items:center;margin-bottom:18px}
.crumbs a{color:#c4cad2;text-decoration:none}.crumbs a:hover{color:#fff}
.eyebrow{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--c);background:#fff;padding:5px 10px;border-radius:999px}
.eyebrow.light{color:#ffd5b0;background:rgba(224,122,31,.16);border:1px solid rgba(224,122,31,.35)}

.hero-calc{padding:34px 0 120px}
.hero-calc::after{background:radial-gradient(closest-side,color-mix(in srgb,var(--c) 45%,transparent),transparent)}
.hero-row{display:flex;gap:22px;align-items:flex-start}
.hero-icon{flex:none;width:64px;height:64px;border-radius:18px;display:grid;place-items:center;background:var(--c);color:#fff;box-shadow:0 10px 30px color-mix(in srgb,var(--c) 45%,transparent);margin-top:4px}
.chips{list-style:none;display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 0;padding:0}
.chips li{font-size:13.5px;font-weight:600;color:#dfe3e8;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);padding:5px 12px;border-radius:999px}
.chips li::before{content:"✓";color:#7ee2a8;margin-right:6px}
@media (max-width:640px){.hero-row{flex-direction:column;gap:14px}.hero-icon{width:52px;height:52px;border-radius:14px}.hero-calc{padding:24px 0 100px}}

.hero-page{padding:40px 0 48px}
.hero-page h1{font-size:clamp(30px,4vw,44px)}

.hero-home{padding:72px 0 120px;text-align:center}
.hero-home h1{font-size:clamp(38px,6.2vw,68px);max-width:880px;margin:18px auto 16px}
.hero-home .hl{background:linear-gradient(90deg,#f6a35a,#e07a1f);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-home .lede{margin:0 auto}
.search{position:relative;max-width:640px;margin:34px auto 0}
.search svg{position:absolute;left:20px;top:50%;transform:translateY(-50%);color:#8a939e}
.search input{width:100%;font:inherit;font-size:17px;padding:18px 20px 18px 54px;border-radius:14px;border:1px solid transparent;background:#fff;color:var(--ink);box-shadow:0 20px 50px rgba(0,0,0,.35)}
.search input:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px rgba(224,122,31,.25),0 20px 50px rgba(0,0,0,.35)}
.popular{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:8px;margin-top:18px;font-size:14px;color:#9aa3ae}
.popular a{color:#fff;text-decoration:none;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);padding:5px 12px;border-radius:999px;font-weight:500}
.popular a:hover{background:rgba(255,255,255,.16)}

/* ---------- Main ---------- */
main{padding-bottom:64px}
.page-body{padding-top:40px}
h2{font-size:clamp(23px,2.4vw,28px);line-height:1.25;letter-spacing:-.025em;margin:48px 0 14px;font-weight:750}
h3{font-size:19px;letter-spacing:-.01em;margin:28px 0 8px;font-weight:700}
.content{max-width:760px;min-width:0}
.content.narrow{margin:0 auto}
.content p,.content li{color:var(--ink2)}
.content li{margin:4px 0}
.content ol,.content ul{padding-left:22px}
.content strong{color:var(--ink)}
.meta{font-size:14px;color:var(--muted);margin-top:40px;border-top:1px solid var(--line);padding-top:16px}

/* ---------- Calculator ---------- */
.tool-wrap{margin-top:-84px;position:relative;z-index:2}
.tool{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:20px;align-items:start}
@media (max-width:860px){.tool{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--shadow-lg)}
@media (max-width:600px){.card{padding:18px}}
.calc fieldset{border:0;margin:0;padding:0;min-width:0}
.calc legend{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:12px;padding:0}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:0 14px}
@media (max-width:520px){.grid3{grid-template-columns:1fr 1fr}}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:16px}
.field label{font-size:14px;font-weight:600;color:var(--ink2);line-height:1.35}
.inp{display:flex;align-items:stretch;border:1.5px solid var(--line2);border-radius:var(--r-sm);background:#fff;overflow:hidden;transition:border-color .15s,box-shadow .15s}
.inp:hover{border-color:#b9c0c8}
.inp:focus-within{border-color:var(--focus);box-shadow:0 0 0 4px rgba(37,99,235,.14)}
.inp input{border:0;outline:0;font:inherit;font-size:16px;font-weight:500;padding:11px 12px;width:100%;min-width:0;background:transparent;color:var(--ink);font-variant-numeric:tabular-nums}
.inp .u{display:flex;align-items:center;padding:0 12px;background:#f4f5f7;color:var(--muted);font-size:14px;font-weight:600;border-left:1px solid var(--line);white-space:nowrap}
select.sel{font:inherit;font-size:16px;font-weight:500;padding:11px 36px 11px 12px;border:1.5px solid var(--line2);border-radius:var(--r-sm);width:100%;color:var(--ink);appearance:none;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none' stroke='%235f6874' stroke-width='2'%3E%3Cpath d='M1 1.5 6 6.5l5-5'/%3E%3C/svg%3E") no-repeat right 14px center}
select.sel:hover{border-color:#b9c0c8}
select.sel:focus{outline:0;border-color:var(--focus);box-shadow:0 0 0 4px rgba(37,99,235,.14)}
.divider{height:1px;background:var(--line);margin:6px 0 20px}
.actions{display:flex;gap:10px;flex-wrap:wrap}
.btn{font:inherit;font-size:14.5px;font-weight:600;border-radius:var(--r-sm);padding:9px 16px;cursor:pointer;border:1.5px solid var(--line2);background:#fff;color:var(--ink)}
.btn:hover{background:#f4f5f7}
.btn-link{background:none;border:0;color:var(--link);padding:4px 0;cursor:pointer;font:inherit;font-size:14px;font-weight:600}
.chk{display:flex!important;align-items:center;gap:10px;font-weight:500!important;cursor:pointer}
.chk input{width:18px;height:18px;accent-color:var(--accent)}
.area-row{border:1px solid var(--line);background:#fafbfb;border-radius:12px;padding:14px 14px 0;margin-bottom:12px}
.area-row header{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;font-weight:600;font-size:14px}
.area-row .ra{font-weight:700;color:var(--accent)}

.results{position:sticky;top:100px;background:linear-gradient(180deg,#fff,#fff)}
.results h2{font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin:0 0 12px}
.primary{position:relative;background:var(--dark);color:#fff;border-radius:14px;padding:20px 20px 18px;margin-bottom:16px;overflow:hidden}
.primary::after{content:"";position:absolute;right:-60px;top:-60px;width:180px;height:180px;background:radial-gradient(closest-side,rgba(224,122,31,.45),transparent)}
.primary .val{position:relative;font-size:46px;font-weight:800;line-height:1.05;letter-spacing:-.03em;color:#fff;font-variant-numeric:tabular-nums}
.primary .lbl{position:relative;font-size:14px;color:#c4cad2;margin-top:4px}
.rows{list-style:none;margin:0;padding:0}
.rows li{display:flex;justify-content:space-between;gap:12px;padding:10px 2px;border-bottom:1px dashed var(--line);font-size:15px;color:var(--ink2)}
.rows li:last-child{border-bottom:0}
.rows b{font-weight:700;color:var(--ink);font-variant-numeric:tabular-nums;text-align:right}
.note{font-size:13px;color:var(--muted);margin:12px 0 0;line-height:1.55}
.warn{background:#fff8eb;border:1px solid #f5ddb0;border-radius:10px;padding:10px 12px;font-size:14px;color:#6b4a14;margin:0 0 14px;line-height:1.5}
@media (max-width:860px){.results{position:static}}

/* ---------- Article + TOC ---------- */
.doc{display:grid;grid-template-columns:240px minmax(0,1fr);gap:56px;margin-top:56px}
.doc-side{position:relative}
.toc{position:sticky;top:110px;font-size:14.5px}
.toc strong{display:block;font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.toc ol{list-style:none;margin:0;padding:0;border-left:2px solid var(--line)}
.toc li{margin:0}
.toc a{display:block;padding:6px 0 6px 14px;margin-left:-2px;border-left:2px solid transparent;color:var(--ink2);text-decoration:none;line-height:1.4}
.toc a:hover{color:var(--accent);border-left-color:var(--accent)}
@media (max-width:960px){.doc{grid-template-columns:1fr;gap:0;margin-top:40px}.toc{position:static;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px 18px}}
.content > h2:first-child{margin-top:0}

.formula{background:var(--dark);color:#e8ebef;border-radius:12px;padding:16px 20px;font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:14.5px;line-height:1.9;overflow-x:auto;margin:16px 0;border-left:4px solid var(--brand)}
.tbl-wrap{overflow-x:auto;margin:16px 0;border:1px solid var(--line);border-radius:12px;background:var(--card)}
table{border-collapse:collapse;width:100%;font-size:15px}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line)}
th{background:#f4f5f7;font-weight:700;font-size:13.5px;color:var(--ink2);white-space:nowrap}
tr:last-child td{border-bottom:0}
tbody tr:nth-child(even){background:#fafbfb}
td{font-variant-numeric:tabular-nums;color:var(--ink2)}
.callout{background:#fff8eb;border:1px solid #f5ddb0;border-radius:12px;padding:16px 18px;margin:18px 0;color:#5c4210}
details{background:var(--card);border:1px solid var(--line);border-radius:12px;margin:10px 0;transition:box-shadow .15s}
details[open]{box-shadow:var(--shadow)}
summary{cursor:pointer;padding:16px 50px 16px 18px;font-weight:650;list-style:none;position:relative;color:var(--ink)}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;background:#f1f2f4;display:grid;place-items:center;font-size:18px;font-weight:500;color:var(--ink2);line-height:26px;text-align:center}
details[open] summary::after{content:"–";background:var(--accent-soft);color:var(--accent)}
details > div{padding:0 18px 6px}
details > div p{margin-top:0}

/* ---------- Tiles ---------- */
.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:14px}
.tile{position:relative;display:flex;gap:14px;align-items:flex-start;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:18px 44px 18px 18px;text-decoration:none;color:var(--ink);transition:transform .18s,box-shadow .18s,border-color .18s;overflow:hidden}
.tile::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--c);opacity:0;transition:opacity .18s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:color-mix(in srgb,var(--c) 35%,var(--line))}
.tile:hover::before{opacity:1}
.ti{flex:none;width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:var(--cbg);color:var(--c)}
.tt{display:flex;flex-direction:column;gap:3px}
.tt strong{font-size:16.5px;font-weight:700;letter-spacing:-.01em}
.tt span{font-size:14px;color:var(--muted);line-height:1.5}
.ta{position:absolute;right:18px;top:20px;color:#b3bac3;font-size:18px;transition:transform .18s,color .18s}
.tile:hover .ta{transform:translateX(3px);color:var(--c)}
.more{margin-top:56px}
.more h2{margin-top:0}

/* ---------- Home ---------- */
.cats{margin-top:-64px;position:relative;z-index:2;background:var(--card);border:1px solid var(--line);border-radius:22px;padding:12px 28px 32px;box-shadow:var(--shadow-lg)}
@media (max-width:600px){.cats{padding:4px 16px 20px;border-radius:16px}}
.cat h2{display:flex;align-items:center;gap:10px;font-size:20px;margin:28px 0 14px}
.cat .dot{width:10px;height:10px;border-radius:3px;background:var(--c);box-shadow:0 0 0 4px var(--cbg)}
.noresults{text-align:center;color:var(--muted);padding:24px 0 0}
.steps{margin-top:72px;text-align:center}
.steps h2{margin-top:0}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:24px;text-align:left}
.steps-grid > div{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px}
.steps-grid h3{margin:14px 0 6px}
.steps-grid p{margin:0;color:var(--muted);font-size:15.5px}
.num{display:grid;place-items:center;width:36px;height:36px;border-radius:10px;background:var(--dark);color:#fff;font-weight:800}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin-top:40px}
.trust > div{background:var(--card);padding:20px 22px;display:flex;flex-direction:column;gap:4px}
.trust strong{font-size:15.5px}
.trust span{font-size:14px;color:var(--muted);line-height:1.5}
@media (max-width:860px){.steps-grid{grid-template-columns:1fr}.trust{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.trust{grid-template-columns:1fr}}

/* ---------- Ads (reserved space, no layout shift) ---------- */
.ad{margin:32px 0;min-height:280px;display:flex;justify-content:center;align-items:center}
.ad ins{width:100%}

/* ---------- Footer ---------- */
.site-footer{background:var(--dark);color:#9aa3ae;font-size:14.5px;margin-top:24px}
.site-footer .wrap{padding:56px 24px 28px}
.site-footer .brand{color:#fff}
.site-footer .wm2{color:#8a939e}
.ftop{display:flex;justify-content:space-between;gap:32px;flex-wrap:wrap;padding-bottom:32px;border-bottom:1px solid rgba(255,255,255,.08)}
.ftop p{max-width:440px;margin:0;line-height:1.6}
.fgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px 24px;padding:32px 0}
@media (max-width:960px){.fgrid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:560px){.fgrid{grid-template-columns:1fr 1fr}}
.site-footer h3{font-size:12px;text-transform:uppercase;letter-spacing:.1em;color:#fff;margin:0 0 10px;font-weight:700}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:6px 0}
.site-footer a{color:#9aa3ae;text-decoration:none}
.site-footer a:hover{color:#fff}
.fbot{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:22px;border-top:1px solid rgba(255,255,255,.08);font-size:13.5px}
.fbot nav{display:flex;gap:18px;flex-wrap:wrap}

/* ---------- Contact form ---------- */
.form label{display:block;font-weight:600;font-size:14px;margin:14px 0 6px}
.form input,.form textarea{width:100%;font:inherit;padding:11px 12px;border:1.5px solid var(--line2);border-radius:var(--r-sm)}
.form input:focus,.form textarea:focus{outline:0;border-color:var(--focus);box-shadow:0 0 0 4px rgba(37,99,235,.14)}
.form textarea{min-height:150px}
.btn-primary{background:var(--ink);color:#fff;border-color:var(--ink);margin-top:16px;padding:12px 22px}
.btn-primary:hover{background:#000}
.hp{display:none}

@media print{.site-header,.site-footer,.ad,.more,.nav,.doc-side{display:none}.hero{background:#fff;color:#000}.hero::before,.hero::after{display:none}}