:root{--blue:#155eef;--dark:#0f172a;--muted:#64748b;--line:#e2e8f0;--soft:#f5f8ff;--teal:#06b6d4}*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,Arial,sans-serif;color:var(--dark);background:#fff;line-height:1.6}.wrap{width:min(1120px,92%);margin:auto}.topbar{position:sticky;top:0;background:#fff;border-bottom:1px solid var(--line);z-index:20}.nav{height:72px;display:flex;align-items:center;justify-content:space-between}.brand{text-decoration:none;color:var(--dark);font-size:1.35rem;font-weight:700}.brand b{color:var(--blue)}.brandmark{display:inline-grid;place-items:center;width:36px;height:36px;background:linear-gradient(135deg,var(--blue),var(--teal));color:#fff;border-radius:10px;margin-right:8px}.nav nav{display:flex;gap:28px}.nav nav a,footer a{color:var(--dark);text-decoration:none}.menu{display:none}.hero{padding:72px 0;background:linear-gradient(180deg,#f7f9ff,#fff)}.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:50px;align-items:center}.hero h1,.page-head h1{font-size:clamp(2.2rem,5vw,4rem);line-height:1.08;margin:.4rem 0 1rem}.hero p,.page-head p{font-size:1.15rem;color:var(--muted)}.eyebrow{color:var(--blue);font-weight:800;text-transform:uppercase;font-size:.78rem;letter-spacing:.08em}.actions{display:flex;gap:12px;margin-top:28px}.primary,.secondary{display:inline-block;border:0;border-radius:12px;padding:14px 20px;font-weight:800;text-decoration:none;cursor:pointer}.primary{background:var(--blue);color:#fff}.secondary{background:#fff;color:var(--blue);border:1px solid var(--line)}.hero-card{padding:24px;background:linear-gradient(135deg,var(--blue),var(--teal));border-radius:28px;box-shadow:0 20px 50px #155eef33}.mini-screen{background:#fff;border-radius:20px;padding:30px}.mini-screen div{color:var(--blue);font-weight:800}.mini-screen strong{display:block;font-size:2.2rem;margin:8px 0}.mini-screen small{color:var(--muted)}.section{padding:64px 0}.section-title{display:flex;justify-content:space-between;align-items:end;margin-bottom:24px}.section h2,.content h2{font-size:2rem;margin-top:0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{display:block;text-decoration:none;color:inherit;border:1px solid var(--line);border-radius:18px;padding:24px;background:#fff;transition:.2s}.card:hover{transform:translateY(-4px);box-shadow:0 14px 30px #0f172a12}.card span{font-size:2rem}.card h2,.card h3{margin:.8rem 0 .3rem}.card p{color:var(--muted)}.soft{background:var(--soft)}.benefits{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.benefits div{background:#fff;border-radius:16px;padding:22px;border:1px solid var(--line)}.page-head{padding:54px 0;background:var(--soft)}.page-head h1{font-size:clamp(2rem,4vw,3.2rem)}.crumb{color:var(--muted);font-size:.9rem}.crumb a{color:var(--blue)}.calc-layout{display:grid;grid-template-columns:1fr 320px;gap:28px;padding:44px 0}.calculator-card,.side-note{border:1px solid var(--line);border-radius:20px;padding:28px;background:#fff}.calculator-card form{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.calculator-card label{display:grid;gap:7px;font-weight:700}.calculator-card input,.calculator-card select{width:100%;padding:14px;border:1px solid #cbd5e1;border-radius:10px;font:inherit}.calculator-card .check{display:flex;align-items:center}.calculator-card .check input{width:auto}.calculator-card button{grid-column:1/-1}.result{margin-top:22px;border-radius:16px;padding:24px;background:#eef5ff;font-size:1.08rem}.result strong{font-size:1.6rem;color:var(--blue)}.result-actions{display:flex;gap:10px;margin-top:18px}.result-actions button{border:1px solid var(--line);background:#fff;color:var(--dark);padding:10px;border-radius:9px}.side-note{height:max-content;background:#fff9e8}.content{padding:20px 0 60px;max-width:860px}.formula{background:var(--soft);border-left:4px solid var(--blue);padding:18px;border-radius:10px}details{border-bottom:1px solid var(--line);padding:16px 0}summary{font-weight:800;cursor:pointer}footer{background:#0f172a;color:#cbd5e1;padding:48px 0 20px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.footer-grid div{display:flex;flex-direction:column;gap:8px}.footer-grid a{color:#cbd5e1}.footer-brand{color:#fff}.copyright{text-align:center;border-top:1px solid #334155;margin-top:30px;padding-top:20px}@media(max-width:800px){.menu{display:block;background:none;border:0;font-size:1.5rem}.nav nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;padding:20px;flex-direction:column;border-bottom:1px solid var(--line)}.nav nav.open{display:flex}.hero-grid,.calc-layout{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.benefits{grid-template-columns:1fr 1fr}.calculator-card form{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.hero{padding:45px 0}.hero-card{display:none}}@media(max-width:520px){.cards,.benefits{grid-template-columns:1fr}.actions{flex-direction:column}.section{padding:44px 0}.calculator-card{padding:20px}.page-head{padding:38px 0}}

.skip{position:absolute;left:-9999px;top:0}.skip:focus{left:1rem;top:1rem;z-index:999;background:#fff;padding:.75rem 1rem;border-radius:.5rem}
.tool-label,.hero-badge{display:inline-flex;font-size:.78rem;font-weight:800;letter-spacing:.03em;text-transform:uppercase;color:#0878e8;background:#eaf4ff;padding:.4rem .65rem;border-radius:999px;margin-bottom:1rem}
.trust-icon{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:#e8f8f0;color:#087a4f;font-weight:900;margin-bottom:.75rem}
.side-note a{font-weight:700;color:#075fbd;text-decoration:none}
.live-rate{grid-column:1/-1;border:1px solid #cfe4fb;background:linear-gradient(135deg,#f2f8ff,#fff);padding:1rem 1.1rem;border-radius:14px;display:flex;flex-direction:column;gap:.25rem}
.live-rate span{font-size:.82rem;font-weight:800;color:#47627d;text-transform:uppercase}.live-rate strong{font-size:1.55rem;color:#0b172a}.live-rate small{color:#5d6d7e}
.category-links{display:flex;gap:.6rem;flex-wrap:wrap;margin-bottom:1.5rem}.category-links a{padding:.6rem .9rem;border:1px solid #d8e2ee;border-radius:999px;text-decoration:none;color:#21334a;font-weight:700;background:#fff}
.card b{display:block;margin-top:.8rem;color:#0878e8;font-size:.9rem}.guide>span{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;font-weight:800;color:#0878e8}
.search-box{position:relative;max-width:620px;margin:1.5rem 0}.search-box label{display:block;font-weight:800;margin-bottom:.5rem}.search-box input{width:100%;padding:1rem 1.1rem;border:1px solid #c9d7e6;border-radius:14px;font-size:1rem;background:#fff}
.search-results{display:none;position:absolute;z-index:20;left:0;right:0;top:100%;background:#fff;border:1px solid #d8e2ee;border-radius:12px;box-shadow:0 16px 35px rgba(19,46,77,.15);overflow:hidden;margin-top:.4rem}.search-results.open{display:block}.search-results a{display:block;padding:.85rem 1rem;text-decoration:none;color:#0b172a;border-bottom:1px solid #edf2f7}.search-results a:last-child{border-bottom:0}.search-results a:hover{background:#f5f9fd}.search-results small{display:block;color:#64748b;margin-top:.2rem}.no-results{padding:1rem;color:#64748b}
.article{max-width:820px;padding-top:3rem;padding-bottom:4rem}.article h1{font-size:clamp(2rem,5vw,3.6rem);line-height:1.05;margin:.8rem 0}.article .lead{font-size:1.2rem;color:#52657a;line-height:1.7}.article p{line-height:1.8}.updated{color:#65768a;font-size:.9rem}.article-cta{margin-top:2rem;padding:1.5rem;border:1px solid #d8e7f7;background:#f4f9ff;border-radius:16px;display:flex;align-items:center;justify-content:space-between;gap:1rem}
.muted{color:#8da0b5;font-size:.9rem}
@media(max-width:700px){.live-rate strong{font-size:1.3rem}.article-cta{align-items:flex-start;flex-direction:column}.search-results{position:relative}.category-links{overflow-x:auto;flex-wrap:nowrap;padding-bottom:.4rem}.category-links a{white-space:nowrap}}
.field-help{font-size:.92rem;color:#5f6f86;margin:-.35rem 0 .85rem}.sources-box{margin-top:2.2rem;padding:1.25rem 1.4rem;border:1px solid #dce7f5;border-radius:16px;background:#f7fbff}.sources-box h2{margin-top:0}.sources-box ul{margin:.7rem 0 0;padding-left:1.25rem}.sources-box li{margin:.45rem 0}.sources-box a{font-weight:700;color:#086fd6}.live-rate small{display:block;margin-top:.35rem}