:root{--night:#092f3d;--night2:#123e4c;--sea:#0b756c;--mint:#bff4df;--paper:#f7faf8;--gold:#f6bb59;--text:#102f3b;--muted:#536c72;--line:#d6e6e3;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--text);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:16px;line-height:1.55}a{color:var(--sea)}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--gold);outline-offset:3px}button,input{font:inherit}
.global-header{position:sticky;top:0;z-index:20;background:#f8fcf9e9;backdrop-filter:blur(18px);border-bottom:1px solid #d5e6e280}.header-inner{max-width:1440px;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:24px;padding:15px clamp(20px,4vw,60px)}.site-logo{display:inline-flex;align-items:center;gap:11px;color:var(--night);text-decoration:none;font-weight:800;letter-spacing:-.045em;font-size:1.35rem;white-space:nowrap}.site-logo span:first-child{display:grid;place-items:center;width:35px;height:35px;background:var(--night);color:var(--gold);border-radius:10px;font-size:1.2rem}.global-nav{display:flex;flex-wrap:wrap;gap:7px 21px;align-items:center}.global-nav a{color:var(--night);text-decoration:none;font-weight:650;font-size:.9rem;padding:7px 0}.global-nav a:hover,.global-nav a[aria-current=page]{color:var(--sea)}.global-nav .nav-cta{background:var(--night);color:#fff;padding:9px 15px;border-radius:30px}.global-nav .nav-cta:hover{color:var(--gold)}
.site-footer{background:var(--night);color:#b8d4d6;margin-top:0;padding:60px clamp(20px,4vw,60px) 28px}.footer-inner{max-width:1320px;margin:auto;display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:48px}.site-footer .site-logo{color:#fff}.footer-inner p{max-width:410px}.footer-inner h3{font-size:.85rem;color:var(--mint);text-transform:uppercase;letter-spacing:.12em;margin:5px 0 14px}.footer-inner a{display:block;color:#d8e9e9;text-decoration:none;margin:8px 0}.footer-inner a:hover{text-decoration:underline}.footer-bottom{max-width:1320px;margin:44px auto 0;border-top:1px solid #ffffff25;padding-top:22px;font-size:.8rem;color:#aec7c8}
.page-shell{max-width:1320px;margin:0 auto;padding:clamp(30px,5vw,70px) clamp(20px,4vw,60px) 100px}.eyebrow-modern{color:var(--sea);font-size:.77rem;letter-spacing:.16em;text-transform:uppercase;font-weight:800}.lead{font-size:clamp(1.08rem,1.8vw,1.26rem);line-height:1.6;color:#3d5f67;max-width:760px}.hero{position:relative;overflow:hidden;background:var(--night);color:#fff;border-radius:30px;display:grid;grid-template-columns:1.1fr .9fr;min-height:520px;box-shadow:0 28px 70px #073b4729}.hero:before{content:"";position:absolute;width:500px;height:500px;border-radius:50%;background:#1c8d7e50;filter:blur(50px);left:-160px;top:-220px;pointer-events:none}.hero-content{position:relative;z-index:1;align-self:center;padding:clamp(34px,6vw,80px)}.hero .eyebrow-modern{color:#8be7cf}.hero h1{font-size:clamp(2.6rem,5.5vw,5.6rem);letter-spacing:-.075em;line-height:1.03;margin:15px 0 22px;max-width:720px}.hero p{font-size:1.12rem;line-height:1.65;color:#d5e8e7;max-width:610px}.hero-visual{position:relative;min-width:0}.hero-visual img{width:100%;height:100%;object-fit:cover;display:block;filter:saturate(.8)}.hero-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--night),transparent 35%),linear-gradient(0deg,#092f3d8e,transparent 38%)}.hero-note{position:absolute;z-index:1;right:26px;bottom:24px;padding:14px 18px;background:#fcfff6e9;color:var(--night);border-radius:14px;box-shadow:0 15px 40px #0003;font-size:.88rem;max-width:240px}.hero-note strong{display:block;font-size:1.22rem}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.button-link{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 20px;border-radius:100px;font-weight:750;text-decoration:none;transition:transform .2s,box-shadow .2s,background .2s}.button-link:hover{transform:translateY(-3px);box-shadow:0 12px 25px #0002}.button-link.primary{background:var(--gold);color:var(--night)}.button-link.ghost{border:1px solid #b6d8d8;color:#fff}.button-link.dark{background:var(--night);color:#fff}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:25px;margin:70px 0 24px}.section-head h2{font-size:clamp(2rem,3.5vw,3.2rem);line-height:1.08;letter-spacing:-.055em;margin:5px 0}.section-head p{max-width:500px;color:var(--muted);margin:0}.tool-grid,.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.feature-card,.guide-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;text-decoration:none;color:var(--text);display:flex;flex-direction:column;min-height:260px;box-shadow:0 8px 30px #1549560a;transition:transform .22s,box-shadow .22s,border-color .22s}.feature-card:hover,.guide-card:hover{transform:translateY(-6px);box-shadow:0 22px 44px #1549561e;border-color:#94cac0}.feature-card .card-index{color:var(--sea);font-weight:800;font-size:.85rem;letter-spacing:.12em}.feature-card h3,.guide-card h3{font-size:1.46rem;line-height:1.17;letter-spacing:-.035em;margin:38px 0 10px}.feature-card p,.guide-card p{color:var(--muted);margin:0 0 20px}.feature-card .card-link,.guide-card .card-link{margin-top:auto;color:var(--sea);font-weight:800}.feature-card.featured{background:linear-gradient(145deg,#0b414a,#0a7469);color:#fff}.feature-card.featured .card-index,.feature-card.featured p,.feature-card.featured .card-link{color:#c7efe2}.guide-card{min-height:230px}.guide-card h3{margin-top:22px}.number-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;background:#e2f3ef;padding:22px;border-radius:21px;margin-top:26px}.number-strip div{padding:8px 18px;border-right:1px solid #a5cec8}.number-strip div:last-child{border:0}.number-strip strong{display:block;font-size:1.55rem;letter-spacing:-.05em}.number-strip span{color:var(--muted);font-size:.88rem}.editorial-cta{display:grid;grid-template-columns:1fr auto;align-items:center;gap:25px;background:var(--night);color:#fff;border-radius:24px;padding:34px 40px;margin-top:65px}.editorial-cta h2{margin:0 0 8px;font-size:1.7rem;letter-spacing:-.04em}.editorial-cta p{margin:0;color:#c7dfe0}
.article-layout{display:grid;grid-template-columns:minmax(0,800px) 250px;gap:70px;align-items:start}.article-header h1{font-size:clamp(2.5rem,5vw,4.5rem);line-height:1.05;letter-spacing:-.06em;margin:12px 0 18px}.article-body{font-size:1.05rem;line-height:1.78}.article-body h2{font-size:1.85rem;line-height:1.2;letter-spacing:-.045em;margin:45px 0 14px}.article-body h3{font-size:1.25rem;margin:28px 0 8px}.article-body p,.article-body ul,.article-body ol{margin:0 0 18px}.article-body li{margin:7px 0}.article-body a{text-underline-offset:3px}.article-body .callout{border-left:4px solid var(--sea);background:#e7f5f0;padding:18px 22px;border-radius:0 12px 12px 0;margin:28px 0}.article-aside{position:sticky;top:100px;background:#e7f3ef;border-radius:18px;padding:22px}.article-aside h2{font-size:1rem;margin:0 0 13px}.article-aside a{display:block;margin:10px 0;color:var(--night);font-size:.9rem}.sources{border-top:1px solid var(--line);padding-top:18px;margin-top:40px;font-size:.88rem;color:var(--muted)}.sources a{display:block;margin:6px 0}
.app-shell{max-width:1500px;min-height:calc(100vh - 72px)}.tool-nav{background:#e8f4f0}.nav-item{cursor:pointer;transition:background .2s,transform .2s}.nav-item:hover{background:#d8ece6;transform:translateX(3px)}.nav-item.active{box-shadow:0 8px 24px #12495d13}.tool-heading h1{color:var(--night)}.card,.result-card,.assumptions{border-radius:19px;box-shadow:0 12px 34px #123e4c0d}.card{padding:29px}.result-card{background:linear-gradient(155deg,#082f3c,#0c4a55)}.primary-button{cursor:pointer;transition:transform .18s,filter .18s}.primary-button:hover{transform:translateY(-2px);filter:brightness(1.06)}.site-photo img{border-radius:18px}.tool-article{max-width:1040px;margin:55px auto 20px;background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(25px,4vw,48px);font-size:1rem;line-height:1.72}.tool-article h2{font-size:2rem;letter-spacing:-.04em;line-height:1.18;margin:0 0 20px}.tool-article h3{font-size:1.25rem;margin:30px 0 9px}.tool-article p,.tool-article ul{max-width:800px}.tool-article a{text-underline-offset:3px}
.calculator-shell{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(330px,.95fr);gap:24px;align-items:start;margin-top:30px}.calculator-form,.calculator-results{background:#fff;border:1px solid var(--line);border-radius:22px;padding:30px;box-shadow:0 12px 34px #123e4c0d}.calculator-form{display:grid;grid-template-columns:1fr 1fr;gap:19px}.calculator-form label{display:grid;gap:7px;font-weight:650;font-size:.91rem}.calculator-form input{width:100%;height:48px;border:1px solid #b7d2d0;border-radius:9px;padding:10px 12px;background:#fff;color:var(--night)}.calculator-form small{font-weight:400;color:var(--muted);line-height:1.4}.calculator-results{background:linear-gradient(155deg,#082f3c,#0c4a55);color:#fff;position:sticky;top:95px}.calculator-results h2{margin:0 0 18px}.metrics{display:grid;grid-template-columns:1fr 1fr;gap:10px}.metric{background:#ffffff12;border:1px solid #ffffff2a;border-radius:12px;padding:17px}.metric span,.metric small{display:block;color:#d1e4e4;font-size:.83rem}.metric strong{display:block;font-size:1.45rem;letter-spacing:-.04em;margin:5px 0}.calc-formula{font-size:.84rem;color:#d1e4e4;line-height:1.5;margin:20px 0 0}.error-box{background:#ffebe6;color:#783222;padding:12px;border-radius:9px;margin:0 0 12px}.error-box[hidden]{display:none}
@media(max-width:1050px){.hero{grid-template-columns:1fr}.hero-visual{min-height:310px}.hero-visual:after{background:linear-gradient(0deg,#092f3d7d,transparent 60%)}.tool-grid,.guide-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.article-layout{grid-template-columns:1fr}.article-aside{position:static}.calculator-shell{grid-template-columns:1fr}.calculator-results{position:static}}@media(max-width:720px){.header-inner{align-items:flex-start;flex-direction:column;gap:5px;padding:11px 20px}.global-nav{gap:6px 15px}.global-nav a{font-size:.82rem}.global-nav .nav-cta{padding:5px 10px}.page-shell{padding:24px 16px 70px}.hero{border-radius:19px;min-height:auto}.hero-content{padding:34px 27px}.hero h1{font-size:2.55rem}.hero-visual{min-height:230px}.hero-note{right:13px;bottom:13px}.section-head{display:block;margin-top:50px}.tool-grid,.guide-grid{grid-template-columns:1fr}.feature-card,.guide-card{min-height:210px}.feature-card h3{margin-top:24px}.number-strip{grid-template-columns:1fr}.number-strip div{border-right:0;border-bottom:1px solid #a5cec8}.number-strip div:last-child{border-bottom:0}.editorial-cta{grid-template-columns:1fr;padding:29px}.footer-inner{grid-template-columns:1fr;gap:20px}.calculator-form{grid-template-columns:1fr}.metrics{grid-template-columns:1fr 1fr}.article-header h1{font-size:2.55rem}}@media(max-width:430px){.metrics{grid-template-columns:1fr}.global-nav{gap:4px 12px}.global-nav a{font-size:.78rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}
.hero-visual img{transition:transform .8s ease}.hero:hover .hero-visual img{transform:scale(1.035)}.hero-note{animation:enter-note .7s ease both}@keyframes enter-note{from{opacity:0;transform:translateY(13px)}to{opacity:1;transform:translateY(0)}}@media(prefers-reduced-motion:reduce){.hero-visual img{transition:none}.hero-note{animation:none}}