:root{--background: #f7f9fb;--foreground: #243041;--muted: #667085;--border: #dce4ec;--card: #ffffff;--primary: #2f74b5;--primary-strong: #195d99;--navy: #243447;--navy-soft: #31465f;--accent: #28a87d;--danger: #d24b45;--max: 1180px;--radius: 8px;color-scheme:light}*{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:hidden}body{margin:0;background:var(--background);color:var(--foreground);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;line-height:1.6;overflow-x:hidden}a{color:var(--primary);text-decoration:none}a:hover{color:var(--primary-strong);text-decoration:underline}img{max-width:100%;height:auto}.site-header{position:sticky;top:0;z-index:50;background:var(--navy);color:#fff;border-bottom:1px solid rgba(255,255,255,.1);box-shadow:0 12px 30px #141f2d2e}.nav-shell{display:flex;align-items:center;justify-content:space-between;gap:24px;max-width:var(--max);margin:0 auto;padding:14px 20px}.brand{display:flex;align-items:center;gap:12px;color:#fff}.brand:hover{color:#fff;text-decoration:none}.brand-mark{position:relative;display:block;width:28px;height:26px;flex:0 0 28px}.brand-mark span{position:absolute;width:12px;height:12px;border-radius:999px;display:block}.brand-mark span:nth-child(1){background:var(--primary);top:0;left:8px}.brand-mark span:nth-child(2){background:var(--danger);left:0;bottom:0}.brand-mark span:nth-child(3){background:var(--accent);right:0;bottom:0}.brand-text{display:grid;line-height:1.1}.brand-text strong{font-size:1.12rem;letter-spacing:0}.brand-text strong span{color:#fff}.brand-text small{color:#ffffffa3;font-size:.72rem;margin-top:2px}.nav-links{display:flex;align-items:center;gap:4px}.nav-item{position:relative}.nav-item>a{display:inline-flex;align-items:center;color:#ffffffd1;border-radius:6px;padding:9px 11px;font-size:.94rem;font-weight:650}.nav-item>a:hover,.nav-item.active>a{color:#fff;background:#ffffff14;text-decoration:none}.nav-menu{position:absolute;top:100%;left:0;min-width:220px;padding-top:8px;opacity:0;pointer-events:none;transform:translateY(-4px);transition:opacity .15s ease,transform .15s ease}.nav-item:nth-last-child(-n+2) .nav-menu{left:auto;right:0}.nav-item:hover .nav-menu,.nav-item:focus-within .nav-menu{opacity:1;pointer-events:auto;transform:translateY(0)}.nav-menu a{display:block;padding:10px 14px;background:var(--card);color:var(--foreground);border-left:1px solid var(--border);border-right:1px solid var(--border);font-size:.92rem}.nav-menu a:first-child{border-top:1px solid var(--border);border-radius:var(--radius) var(--radius) 0 0}.nav-menu a:last-child{border-bottom:1px solid var(--border);border-radius:0 0 var(--radius) var(--radius)}.nav-menu a:hover,.nav-menu a.active{background:#eef6fc;text-decoration:none}.nav-toggle,.nav-button{display:none}.hero{position:relative;min-height:clamp(540px,70vh,740px);display:grid;align-items:center;overflow:hidden;color:var(--foreground);background:#edf4f8}.hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center center}.hero:before,.hero:after{content:"";position:absolute;inset:0}.hero:before{background:#f6fafd2e}.hero:after{background:linear-gradient(90deg,#f7f9fbf5,#f7f9fbdb 42%,#f7f9fb47)}.hero-content{position:relative;z-index:1;max-width:var(--max);width:100%;margin:0 auto;padding:72px 20px 96px;display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:40px;align-items:end}.hero-copy{max-width:720px}.eyebrow{margin:0 0 14px;color:var(--primary-strong);font-size:.82rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.hero h1{margin:0;font-size:clamp(2.7rem,6vw,5.9rem);line-height:.95;letter-spacing:0}.hero h1 span{color:var(--primary-strong)}.hero p{max-width:620px;margin:24px 0 0;color:#435468;font-size:clamp(1.05rem,2vw,1.28rem)}.hero-guide{display:grid;gap:2px;border:1px solid rgba(47,116,181,.16);border-radius:var(--radius);background:#ffffffd1;box-shadow:0 20px 60px #1c304429;overflow:hidden;backdrop-filter:blur(8px)}.hero-guide span{padding:14px 16px 8px;color:var(--primary-strong);font-size:.76rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.hero-guide a{display:flex;align-items:center;min-height:48px;padding:12px 16px;color:var(--foreground);background:#ffffff6b;font-weight:700}.hero-guide a:hover{color:var(--primary-strong);background:#fff;text-decoration:none}.actions,.section-action{display:flex;align-items:center;gap:12px;flex-wrap:wrap}.actions{margin-top:34px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 18px;border-radius:var(--radius);background:var(--primary);color:#fff;font-weight:750;border:1px solid var(--primary)}.button:hover{background:var(--primary-strong);color:#fff;text-decoration:none}.button.secondary{background:#ffffffb8;border-color:#2f74b552;color:var(--primary-strong)}.button.secondary:hover{background:#fff;color:var(--primary-strong)}.band,.content-page,.blog-page{max-width:var(--max);margin:0 auto;padding:56px 20px}.band.full{max-width:none;background:var(--card);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.band-inner{max-width:var(--max);margin:0 auto}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:28px}.section-heading h2{margin:0;font-size:clamp(1.7rem,3vw,2.4rem);line-height:1.1}.section-heading p{margin:8px 0 0;color:var(--muted)}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.card,.post-card,.side-card{display:block;background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:22px}.card:hover,.post-card:hover{border-color:#2f74b58c;text-decoration:none}.card h3,.post-card h2,.post-card h3{margin:0;color:var(--foreground);line-height:1.18}.card p,.post-card p,.side-card p{color:var(--muted)}.post-grid{display:grid;grid-template-columns:minmax(0,2fr) minmax(260px,.8fr);gap:28px}.post-list{display:grid;gap:16px}.post-card.featured{padding:0;overflow:hidden}.post-card.featured img{width:100%;aspect-ratio:16 / 8;object-fit:cover;display:block}.post-card.featured .post-card-body{padding:24px}.article-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.article-card{display:flex;min-height:100%;flex-direction:column;overflow:hidden;border:1px solid var(--border);border-radius:var(--radius);background:var(--card);color:var(--foreground)}.article-card:hover{border-color:#2f74b58c;text-decoration:none}.article-card img{width:100%;aspect-ratio:16 / 9;object-fit:cover;display:block}.article-card-body{display:flex;flex:1;flex-direction:column;padding:18px}.article-card h3{margin:12px 0 0;color:var(--foreground);font-size:1.12rem;line-height:1.2}.article-card p{color:var(--muted);font-size:.95rem}.article-card .meta{margin-top:auto}.meta{display:flex;flex-wrap:wrap;gap:10px;color:var(--muted);font-size:.88rem;margin:10px 0}.badge{display:inline-flex;align-items:center;min-height:24px;padding:0 9px;border-radius:999px;background:#e8f3fb;color:var(--primary-strong);font-size:.78rem;font-weight:750}.quick-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.quick-links a{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px;padding:14px 16px;border:1px solid var(--border);border-radius:var(--radius);background:var(--card);color:var(--foreground);font-weight:700}.quick-links a:hover{border-color:#2f74b58c;color:var(--primary);text-decoration:none}.prose{max-width:830px;margin:0 auto;background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:clamp(24px,5vw,52px)}.prose.wide{max-width:100%}.prose h1{margin-top:0;font-size:clamp(2.1rem,4vw,3.4rem);line-height:1.05}.prose h2{margin-top:2rem;font-size:1.55rem;line-height:1.2}.prose h3{margin-top:1.6rem;font-size:1.2rem}.prose p,.prose li{font-size:1.03rem}.prose blockquote{margin:24px 0;padding:4px 0 4px 20px;border-left:4px solid var(--primary);color:#44566d}.prose table{width:100%;border-collapse:collapse;margin:24px 0;font-size:.96rem;display:block;overflow-x:auto}.prose th,.prose td{border:1px solid var(--border);padding:10px 12px;text-align:left}.prose th{background:#eef4f8}.prose img{border-radius:6px;object-fit:contain}.prose .row,.prose [class*=col-]{display:block;width:auto;margin:0;padding:0}.post-hero{max-width:920px;margin:0 auto}.post-hero img{width:100%;max-height:520px;object-fit:cover;border-radius:var(--radius);border:1px solid var(--border);margin-bottom:24px}.author-box{display:grid;grid-template-columns:88px 1fr;gap:18px;margin-top:36px;padding-top:28px;border-top:1px solid var(--border)}.author-box img{width:88px;height:88px;object-fit:cover}.calculator-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin:22px 0 32px}.calc-card{border:1px solid var(--border);border-radius:var(--radius);background:#f9fbfd;padding:22px;box-shadow:0 12px 30px #263a4d14}.calc-card-header{margin-bottom:18px}.calc-card-header h3{margin:4px 0 6px;font-size:1.25rem}.calc-card-header p{margin:0;color:var(--muted);font-size:.94rem}.calc-kicker{color:var(--primary-strong);font-size:.76rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase}.calc-mode-group{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:6px;margin:18px 0 4px;padding:4px;border:1px solid var(--border);border-radius:var(--radius);background:#fff}.calc-mode{min-height:38px;border:0;border-radius:6px;background:transparent;color:var(--muted);cursor:pointer;font:inherit;font-size:.9rem;font-weight:800}.calc-mode:hover{color:var(--primary-strong);background:#eef6fc}.calc-mode.active{color:#fff;background:var(--primary)}.calc-field-group{margin-top:16px}.calc-field-group[hidden]{display:none}.calc-field-group label{display:block;margin:0 0 6px;color:var(--foreground);font-weight:700}.calc-card input,.calc-card select{width:100%;min-height:44px;border:1px solid var(--border);border-radius:6px;padding:9px 11px;background:#fff;color:var(--foreground);font:inherit}.calc-card input::placeholder{color:#9aa8b8;opacity:1}.calc-card input:focus,.calc-card select:focus{border-color:var(--primary);outline:3px solid rgba(47,116,181,.16)}.calc-inline{display:grid;grid-template-columns:minmax(0,1fr) 130px;gap:8px}.calc-row{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}.calc-help{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:4px;color:var(--muted);font-size:.76rem}.calc-row+.calc-help+select,.calc-row+select{margin-top:8px}.calc-result{margin-top:18px;border-radius:var(--radius);border:1px solid rgba(47,116,181,.18);background:#eef6fc;color:var(--foreground);padding:14px 16px}.calc-result span{display:block;color:var(--primary-strong);font-size:.78rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase}.calc-result strong{display:block;margin-top:2px;color:#243041;font-size:1.55rem;line-height:1.1}.site-footer{background:var(--navy);color:#ffffffbd;margin-top:42px}.footer-shell{max-width:var(--max);margin:0 auto;padding:34px 20px;display:flex;justify-content:space-between;gap:28px}.footer-brand{color:#fff;font-weight:800}.site-footer nav{display:flex;flex-wrap:wrap;gap:14px}.site-footer a{color:#ffffffdb}@media(max-width:860px){.nav-shell{flex-wrap:wrap}.brand-text small{display:none}.nav-button{display:grid;gap:5px;width:42px;height:42px;place-content:center;border-radius:6px;background:#ffffff14}.nav-button span{display:block;width:20px;height:2px;background:#fff}.nav-links{display:none;width:100%;align-items:stretch;flex-direction:column}.nav-toggle:checked~.nav-links{display:flex}.nav-item>a,.nav-menu a{width:100%}.nav-menu{position:static;opacity:1;pointer-events:auto;transform:none;padding:0 0 0 14px}.nav-menu a{border:0;background:transparent;color:#ffffffbd}.grid,.quick-links,.post-grid,.article-grid,.calculator-grid{grid-template-columns:1fr}.section-heading,.footer-shell{display:block}.hero{min-height:560px}.hero-content{grid-template-columns:1fr;align-items:center;gap:30px}.hero-guide{max-width:440px}}@media(max-width:560px){.brand-text strong{font-size:1rem}.hero-content,.band,.content-page,.blog-page{padding-left:16px;padding-right:16px}.prose{padding:22px 18px}.hero{min-height:auto}.hero-content{padding-top:30px;padding-bottom:34px;gap:16px}.hero:after{background:linear-gradient(180deg,#f7f9fbf5,#f7f9fbd1)}.hero h1{font-size:clamp(2.15rem,11vw,3.2rem)}.hero p{margin-top:16px}.hero-guide span{padding:10px 14px 6px}.hero-guide a{min-height:40px;padding:9px 14px}.calc-inline,.calc-row,.calc-help{grid-template-columns:1fr}}