@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;700;800&display=swap');
:root{--ink:#17263d;--blue:#2468ef;--soft:#edf4ff;--line:#dfe8f4;--muted:#66758a;--paper:#f7f9fd}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);font:15px/1.7 Manrope,Arial,sans-serif;color:#314158}.wrap{max-width:1160px;margin:auto;padding:0 24px}.top{height:72px;background:#fff;border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:9px;color:var(--ink);font-size:16px;font-weight:800;text-decoration:none;letter-spacing:.02em}.brand i{display:grid;place-items:center;width:35px;height:35px;border-radius:11px;background:var(--blue);color:#fff;font-style:normal}.nav{display:flex;gap:22px}.nav a{font-size:12px;font-weight:700;color:var(--muted);text-decoration:none}.nav a:hover{color:var(--blue)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--blue);border:0;border-radius:10px;padding:12px 17px;color:#fff;font:700 12px Manrope;text-decoration:none;box-shadow:0 10px 22px #2468ef2b}.btn.light{background:#fff;color:#1b55bd;border:1px solid #c7d9f8;box-shadow:none}.crumbs{padding:25px 0 9px;font-size:12px;color:#8391a4}.crumbs a{color:#5876a5;text-decoration:none}.hero{position:relative;overflow:hidden;background:linear-gradient(125deg,#143765,#286ee9);color:#fff;border-radius:22px;padding:58px;box-shadow:0 25px 70px #1d53ad2e}.hero:after{content:"";position:absolute;inset:0;background-image:linear-gradient(#ffffff11 1px,transparent 1px),linear-gradient(90deg,#ffffff11 1px,transparent 1px);background-size:34px 34px;mask-image:linear-gradient(90deg,#000,transparent)}.hero>div{position:relative;z-index:1;max-width:740px}.tag{display:inline-block;padding:6px 10px;border:1px solid #ffffff3d;border-radius:30px;font-size:10px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.hero h1{font-size:clamp(31px,4vw,51px);line-height:1.1;letter-spacing:-.045em;margin:16px 0}.hero p{max-width:640px;margin:0;color:#dbe8ff;font-size:16px}.hero .btn{margin-top:26px;background:#ffd35b;color:#3c3108;box-shadow:none}.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:38px;padding:45px 0 74px}.article{background:#fff;border:1px solid var(--line);border-radius:18px;padding:38px}.article h2{font-size:27px;line-height:1.22;letter-spacing:-.035em;color:var(--ink);margin:38px 0 12px}.article h2:first-child{margin-top:0}.article h3{font-size:18px;color:var(--ink);margin:24px 0 8px}.article p{margin:0 0 16px}.article ul,.article ol{padding-left:22px;margin:12px 0 20px}.article li{margin:8px 0}.note{background:var(--soft);border-left:4px solid var(--blue);border-radius:10px;padding:17px 18px;margin:24px 0;color:#345077}.checklist{display:grid;grid-template-columns:1fr 1fr;gap:12px;list-style:none!important;padding:0!important}.checklist li{margin:0!important;padding:13px;background:#f8fbff;border:1px solid #e1eaf7;border-radius:10px;font-size:13px}.checklist li:before{content:"✓";font-weight:800;color:var(--blue);margin-right:8px}.side{display:grid;align-content:start;gap:16px;position:sticky;top:92px}.side-box{background:#fff;border:1px solid var(--line);padding:20px;border-radius:15px}.side-box h3{font-size:14px;color:var(--ink);margin:0 0 10px}.side-box p,.side-box a{font-size:12px;color:var(--muted)}.side-box a{display:block;padding:7px 0;text-decoration:none;border-bottom:1px solid #edf1f6}.side-box a:last-child{border:0}.side-box a:hover{color:var(--blue)}.cta{background:linear-gradient(145deg,#ecf4ff,#fff);border-color:#c7dcfb}.cta p{margin:0 0 14px}.footer{border-top:1px solid var(--line);padding:28px 0 48px;color:#7a8799;font-size:12px}.footer a{color:#5d75a0;text-decoration:none}@media(max-width:800px){.nav{display:none}.hero{padding:35px 25px}.layout{grid-template-columns:1fr;padding-top:26px}.article{padding:25px 20px}.side{position:static;grid-template-columns:1fr 1fr}.checklist{grid-template-columns:1fr}}@media(max-width:540px){.top .btn{display:none}.side{grid-template-columns:1fr}.hero h1{font-size:33px}.article h2{font-size:24px}.wrap{padding:0 16px}}

.reading-progress{position:fixed;left:0;top:0;right:0;height:3px;background:#d9e7ff;z-index:30}.reading-progress i{display:block;height:100%;background:linear-gradient(90deg,#2468ef,#64a0ff);transform-origin:left}.article-tools{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:24px 0 0}.tool-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:19px 21px;box-shadow:0 14px 38px #274d8e0a}.tool-card h2{margin:0 0 10px;color:var(--ink);font-size:15px;letter-spacing:-.02em}.tool-card p{margin:0 0 12px;color:var(--muted);font-size:12px;line-height:1.55}.toc-links{display:flex;flex-wrap:wrap;gap:7px}.toc-links a{color:#3865a4;border:1px solid #dce7f7;border-radius:20px;padding:5px 9px;font-size:10px;font-weight:700;line-height:1.25;text-decoration:none}.toc-links a:hover{border-color:#8eb5f5;background:#eff5ff}.quick-calculator{background:linear-gradient(135deg,#153967,#286ee9);border-color:#1d54a6;color:#fff}.quick-calculator h2,.quick-calculator p{color:#fff}.quick-calculator p{opacity:.78}.calc-fields{display:grid;grid-template-columns:1fr 1fr auto;gap:9px;align-items:end}.calc-fields label{display:grid;gap:4px;color:#cfe0ff;font-size:10px;font-weight:700}.calc-fields input{width:100%;min-width:0;border:1px solid #ffffff45;border-radius:8px;background:#ffffff12;color:#fff;padding:8px;font:700 13px Manrope}.calc-fields strong{font-size:18px;white-space:nowrap}.calc-disclaimer{font-size:9px!important;opacity:.65;margin-top:10px!important}.article details{border:1px solid #e1e9f4;border-radius:10px;padding:0 15px;margin:10px 0;background:#fbfdff}.article summary{display:flex;justify-content:space-between;gap:10px;cursor:pointer;padding:14px 0;color:#233a5b;font-size:14px;font-weight:800;list-style:none}.article summary:after{content:'+';color:#2468ef;font-size:18px}.article details[open] summary:after{content:'–'}.article details p{font-size:13px;color:#65768d;padding-bottom:10px;margin:0}.article .data-table{width:100%;border-collapse:collapse;margin:18px 0;font-size:13px}.article .data-table th{text-align:left;color:#2b4770;background:#edf4ff}.article .data-table th,.article .data-table td{padding:11px;border:1px solid #dfe8f4}.article .data-table td:last-child{text-align:right;font-weight:700;color:#1e55a9}@media(max-width:800px){.article-tools{grid-template-columns:1fr}.calc-fields{grid-template-columns:1fr 1fr}.calc-fields strong{grid-column:1/3}.reading-progress{top:0}}@media(max-width:540px){.tool-card{padding:16px}.calc-fields{grid-template-columns:1fr}.calc-fields strong{grid-column:auto}.article .data-table{font-size:11px}.article .data-table th,.article .data-table td{padding:8px}}
.calculator-embed{max-width:1160px;margin:0 auto 70px;padding:31px;border-radius:22px;background:linear-gradient(145deg,#eef5ff,#fff);border:1px solid #cfdef4;box-shadow:0 22px 58px #254b8c12}.calculator-embed-head{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:21px}.calculator-embed .eyebrow{font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.12em;color:#2468ef;margin:0 0 6px}.calculator-embed h2{margin:0;color:#17263d;font-size:28px;line-height:1.15;letter-spacing:-.04em}.calculator-embed-head>p{max-width:360px;margin:0;color:#61728a;font-size:13px;line-height:1.55}.main-calculator-frame{display:block;width:100%;height:1900px;border:1px solid #d4e1f1;border-radius:15px;background:#f5f7fb;box-shadow:0 18px 45px #244c8f12}@media(max-width:800px){.calculator-embed{padding:18px 12px;margin-bottom:45px}.calculator-embed-head{display:block;margin-bottom:15px}.calculator-embed h2{font-size:24px}.calculator-embed-head>p{margin-top:10px}.main-calculator-frame{height:2700px;border-radius:11px}}

.brand-logo-link{display:block;width:188px;height:48px;flex:0 0 auto;font-size:0}.brand-logo-link img{display:block;width:100%;height:100%;object-fit:contain;object-position:left center}.footer .brand-logo-link{width:198px;height:50px}@media(max-width:540px){.brand-logo-link{width:150px;height:44px}}