:root{--navy:#0f2747;--navy-2:#1b3a63;--teal:#0f7a8c;--teal-2:#14a0b6;--gold:#c8a24a;--green:#2f9e44;--red:#d64545;--muted:#5b6b82;--line:#e3e8f0;--bg:#f6f8fb;--card:#fff;--ink:#16233a;--radius:12px;--shadow:0 1px 3px rgba(15,39,71,.08),0 6px 18px rgba(15,39,71,.06)}*{box-sizing:border-box}body,html{margin:0;padding:0;background:var(--bg);color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica,Arial,sans-serif;line-height:1.6;font-size:16px}a{color:var(--teal);text-decoration:none}a:hover{text-decoration:underline}.container{max-width:1120px;margin:0 auto;padding:0 20px}.site-header{background:var(--navy);color:#fff;border-bottom:3px solid var(--gold);position:-webkit-sticky;position:sticky;top:0;z-index:50}.site-header .bar{justify-content:space-between;height:64px}.brand,.site-header .bar{display:flex;align-items:center}.brand{gap:10px;font-weight:800;font-size:20px;color:#fff}.brand .mark{color:var(--gold)}.brand-mark{flex-shrink:0;display:block;border-radius:6px;box-shadow:0 1px 3px rgba(0,0,0,.25)}.brand:hover{text-decoration:none}.nav-links{display:flex;gap:18px;flex-wrap:nowrap;align-items:center;overflow:visible}@media (max-width:900px){.nav-links{overflow-x:auto;scrollbar-width:none}.nav-links::-webkit-scrollbar{display:none}.nav-more-menu{position:static;box-shadow:none;border:0;padding:0;margin:0}.nav-more:focus-within .nav-more-menu,.nav-more:hover .nav-more-menu{display:none}}.nav-links a{color:#d8e2f0;font-weight:600;font-size:14px;white-space:nowrap}.nav-links a:hover{color:var(--gold);text-decoration:none}.nav-more{position:relative}.nav-more-btn{background:none;border:0;color:#d8e2f0;font-weight:600;font-size:14px;cursor:pointer;padding:0;display:inline-flex;align-items:center;gap:4px;white-space:nowrap}.nav-more-btn:hover{color:var(--gold)}.nav-more .caret{font-size:10px}.nav-more-menu{position:absolute;top:100%;right:0;margin-top:0;padding:10px 8px 8px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 30px rgba(15,39,71,.18);min-width:220px;display:none;flex-direction:column;z-index:60}.nav-more-menu:before{content:"";position:absolute;top:-12px;left:0;right:0;height:12px}.nav-more-menu a{color:var(--navy);font-weight:600;font-size:14px;padding:9px 12px;border-radius:7px;white-space:nowrap}.nav-more-menu a:hover{background:#f0f4fa;color:var(--teal);text-decoration:none}.nav-more:focus-within .nav-more-menu,.nav-more:hover .nav-more-menu{display:flex}.hero{background:linear-gradient(135deg,var(--navy) 0,var(--navy-2) 60%,var(--teal) 130%);color:#fff;padding:56px 0 48px}.hero h1{font-size:38px;margin:0 0 12px;line-height:1.2}.hero p{font-size:18px;color:#cdd9ea;max-width:720px;margin:0 0 22px}.hero .cta{display:inline-block;background:var(--gold);color:#1b1300;font-weight:800;padding:13px 26px;border-radius:10px;font-size:16px}.hero .cta:hover{background:#d9b45e;text-decoration:none}.hero .sub{color:#9fb3cc;font-size:13px;margin-top:14px}.hero-benefits{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 6px}.hero-benefit{background:hsla(0,0%,100%,.1);border:1px solid hsla(0,0%,100%,.18);color:#eaf1fa;font-size:13.5px;font-weight:700;padding:7px 13px;border-radius:999px;-webkit-backdrop-filter:blur(2px);backdrop-filter:blur(2px)}.section{padding:44px 0}.section h2{font-size:26px;margin:0 0 8px;color:var(--navy)}.section .lead{color:var(--muted);margin:0 0 26px;max-width:760px}.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));grid-gap:20px;gap:20px}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease}.card:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(15,39,71,.12)}.card h3{margin:0 0 8px;font-size:18px;color:var(--navy)}.card p{margin:0 0 14px;color:var(--muted);font-size:14px}.card .ico{font-size:26px;display:block;margin-bottom:8px}.card .badge{display:inline-block;font-size:11px;padding:3px 9px;border-radius:999px;background:#e8f4f6;margin-bottom:10px}.card .badge,.card a.more{font-weight:700;color:var(--teal)}.card a.more{font-size:14px}.calc-layout{display:grid;grid-template-columns:1fr 1fr;grid-gap:28px;gap:28px;align-items:start}@media (max-width:860px){.calc-layout{grid-template-columns:1fr}}.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}.field{margin-bottom:16px}.field label{display:block;font-weight:600;font-size:14px;margin-bottom:6px;color:var(--navy)}.field input,.field select{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:8px;font-size:15px;background:#fff;color:var(--ink)}.field .hint{font-size:12px;color:var(--muted);margin-top:4px}.row2{display:grid;grid-template-columns:1fr 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var(--gold);border-radius:8px;color:#6b5a2e}.disclaimer-box,.ymyl-banner{padding:14px 16px;font-size:13px;margin:18px 0}.ymyl-banner{background:#fef3f3;border:1px solid #f3c9c9;border-left:4px solid var(--red);border-radius:8px;color:#7a2b2b}table.data{width:100%;border-collapse:collapse;font-size:14px;margin:14px 0}table.data td,table.data th{border:1px solid var(--line);padding:9px 11px;text-align:left}table.data th{background:var(--navy);color:#fff;font-weight:600}table.data tr:nth-child(2n) td{background:#f7fafc}table.data td.num{text-align:right;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.sources{background:#f3f6fa;border:1px solid var(--line);border-radius:8px;padding:16px 18px;font-size:13px;color:var(--muted);margin-top:22px}.sources h4{margin:0 0 8px;color:var(--navy)}.sources a{color:var(--teal)}.sources .retrieved{font-weight:700;color:var(--teal)}.faq-item{border-radius:8px;padding:14px 16px;margin-bottom:12px}.faq-item h4{margin:0 0 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