:root{--blue:#1769e0;--blue-dark:#0b3b82;--navy:#0b2a4a;--green:#20a46b;--green-soft:#e9f8f1;--blue-soft:#eaf2ff;--bg:#f4f7fb;--paper:#fff;--ink:#12263a;--muted:#63758a;--line:#dce5ef;--shadow:0 16px 45px rgba(15,55,94,.1);--radius:22px;--small-radius:14px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.65 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;padding:10px 14px;background:#fff;border-radius:8px;z-index:100}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}
header{min-height:72px;padding:11px 20px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid rgba(220,229,239,.85);background:rgba(255,255,255,.94);position:sticky;top:0;z-index:30;backdrop-filter:blur(15px)}.brand{display:inline-flex;text-decoration:none}.brand img{display:block;width:190px;max-width:52vw;height:auto}.menu{min-width:50px;padding:9px 12px;border:1px solid var(--line);border-radius:11px;background:#fff;color:var(--navy);font:700 14px inherit;cursor:pointer}header nav{display:none;position:absolute;top:72px;left:16px;right:16px;padding:12px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);flex-direction:column;gap:3px}header nav.open{display:flex}header nav a{padding:10px 12px;border-radius:9px;text-decoration:none;font-size:14px;font-weight:700;color:#344d67}header nav a:hover{background:var(--blue-soft);color:var(--blue)}
.ad{max-width:1180px;margin:16px auto 28px;padding:0 20px;text-align:center}.ad small,.sidebar-ad small{display:block;margin-bottom:6px;color:#8998a8;font-size:9px;letter-spacing:.12em;text-transform:uppercase}.ad-unit,.article-body .ad ins{min-height:90px!important;border:1px dashed #cbd8e5;border-radius:14px;background:#f9fbfd;color:#8b9bac;display:block}.article-body>.ad{padding:0;margin:34px 0}.sidebar-ad{display:none;margin-top:24px;padding:12px;border:1px solid var(--line);border-radius:14px;background:#fff;text-align:center}.sidebar-ad ins{min-height:250px}
.hero,.section,.principles,.category-hero,.article-head,.legal,.tool-shell,.tool-article{max-width:1180px;margin-left:auto;margin-right:auto}.hero{padding:50px 20px 60px;display:grid;gap:38px;align-items:center}.eyebrow{margin-bottom:14px;color:var(--green);font-size:11px;font-weight:850;letter-spacing:.14em;text-transform:uppercase}.hero h1,.category-hero h1,.article-head h1,.legal h1,.tool-intro h1{margin:0;color:var(--navy);font-size:clamp(42px,12vw,72px);line-height:1.02;letter-spacing:-.045em}.hero h1 em{color:var(--blue);font-style:normal}.hero-copy>p,.category-hero>p,.article-head>p,.legal>.lead,.tool-intro>p{max-width:680px;color:var(--muted);font-size:18px}.hero-actions{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin-top:26px}.button{display:inline-flex;align-items:center;justify-content:center;padding:13px 19px;border:0;border-radius:12px;background:linear-gradient(135deg,var(--blue),#3886ee);box-shadow:0 9px 20px rgba(23,105,224,.22);color:#fff!important;font:800 14px inherit;text-decoration:none;cursor:pointer;transition:.2s}.button:hover{transform:translateY(-2px);box-shadow:0 13px 28px rgba(23,105,224,.28)}.small-button{margin-top:12px;padding:10px 14px}.text-link,.read{color:var(--blue);font-weight:800;text-decoration:none}.trust{display:flex;gap:8px;flex-wrap:wrap;margin-top:25px}.trust span{padding:7px 10px;border:1px solid #caebdc;border-radius:999px;background:var(--green-soft);color:#267557;font-size:12px;font-weight:700}.market-panel{padding:22px;border-radius:var(--radius);background:linear-gradient(145deg,var(--navy),#104878);box-shadow:0 24px 60px rgba(11,42,74,.25);color:#fff}.panel-top{display:flex;justify-content:space-between;color:#9fc2dc;font-size:10px;letter-spacing:.12em}.mini-chart{margin:18px -5px 8px}.mini-chart svg{width:100%;display:block}.gridline{stroke:#2b5a7d}.area{fill:rgba(69,210,150,.13)}.line{fill:none;stroke:#62dda9;stroke-width:3}.lesson{border-top:1px solid rgba(255,255,255,.13);padding-top:18px}.lesson span,.lesson a{color:#70e1b0;text-decoration:none;font-weight:800}.lesson h2{margin:5px 0;font-size:26px}.lesson p{color:#c4d8e8}
.section,.principles{padding:58px 20px}.section-head{margin-bottom:26px}.section-head h2,.newsletter h2,.principles>h2{margin:0;color:var(--navy);font-size:clamp(32px,8vw,46px);line-height:1.08;letter-spacing:-.035em}.section-head>p{max-width:520px;color:var(--muted)}.compact-section{padding-top:20px}.card-grid,.tool-grid{display:grid;gap:16px}.card,.tool-card{display:flex;flex-direction:column;min-height:250px;padding:22px;border:1px solid var(--line);border-radius:var(--small-radius);background:#fff;box-shadow:0 8px 25px rgba(25,66,104,.05);transition:.22s}.card:hover,.tool-card:hover{transform:translateY(-4px);border-color:#b8d3f7;box-shadow:var(--shadow)}.category{color:var(--green);font-size:10px;font-weight:850;letter-spacing:.11em;text-transform:uppercase}.card h3,.tool-card h3{margin:14px 0 10px;color:var(--navy);font-size:23px;line-height:1.18;letter-spacing:-.025em}.card h3 a,.tool-card{text-decoration:none}.card p,.tool-card p{margin:0 0 18px;color:var(--muted);font-size:14px}.card .read{margin-top:auto}.meta{color:#8090a0;font-size:12px}.tool-card{position:relative;min-height:205px}.tool-card>span{position:absolute;right:20px;color:var(--blue);font-weight:900}.featured-tool-grid .tool-card{background:linear-gradient(145deg,#fff,#f5f9ff)}.quick-tool-grid{display:grid;gap:10px}.quick-tool-grid a{display:grid;grid-template-columns:38px 1fr auto;align-items:center;gap:12px;padding:15px;border:1px solid var(--line);border-radius:13px;background:#fff;text-decoration:none;transition:.2s}.quick-tool-grid a:hover{border-color:#aacbf5;transform:translateX(3px)}.quick-tool-grid span{color:var(--green);font-size:11px;font-weight:850}.quick-tool-grid strong{color:var(--navy)}.quick-tool-grid b{color:var(--blue)}.centered-link{display:block;margin:25px auto 0;text-align:center}
.newsletter{padding:50px 20px;background:linear-gradient(135deg,var(--blue-dark),var(--navy));color:#fff}.newsletter h2{color:#fff}.newsletter p{color:#c9daea}.newsletter form{display:flex;max-width:520px;margin-top:22px}.newsletter input{min-width:0;flex:1;padding:14px;border:0;border-radius:12px 0 0 12px;font:inherit}.newsletter button{padding:0 16px;border:0;border-radius:0 12px 12px 0;background:#75e3b4;color:var(--navy);font-weight:850}.light{color:#75e3b4}.principles>div{display:grid;gap:18px;margin-top:28px}.principles article{padding:22px;border:1px solid var(--line);border-radius:var(--small-radius);background:#fff}.principles b{color:var(--blue)}.principles h3{margin:8px 0;color:var(--navy)}.principles p{color:var(--muted)}
.category-hero,.article-head,.legal{padding:55px 20px 25px}.article-head{text-align:left}.back{display:block;margin-bottom:28px;color:var(--muted);font-size:13px;text-decoration:none}.article-head h1,.category-hero h1,.legal h1{margin:10px 0 18px;font-size:clamp(38px,10vw,64px)}.article-layout{max-width:1080px;margin:10px auto 65px;padding:0 20px;display:grid;gap:28px}.article-body{color:#263b4f;font-family:Georgia,"Times New Roman",serif;font-size:18px;line-height:1.85}.article-body .lead{color:#344f67;font-size:21px;line-height:1.65}.article-body h2,.legal h2{margin:46px 0 12px;color:var(--navy);font-family:Inter,system-ui,sans-serif;font-size:29px;line-height:1.18;letter-spacing:-.03em}.article-body a,.legal a{color:var(--blue)}.article-body li{margin:7px 0}.callout{margin:30px 0;padding:20px;border:1px solid #bfe8d5;border-left:5px solid var(--green);border-radius:12px;background:var(--green-soft);font:14px/1.65 Inter,system-ui,sans-serif}.toc{height:max-content;padding:20px;border:1px solid var(--line);border-radius:14px;background:#fff;color:var(--muted);font-size:14px}.toc strong{color:var(--navy)}.toc>a:not(.button){color:var(--blue);font-weight:800;text-decoration:none}.related{border-top:1px solid var(--line)}.faq{display:grid;gap:10px}.faq details{padding:14px 16px;border:1px solid var(--line);border-radius:12px;background:#fff;font-family:Inter,system-ui,sans-serif}.faq summary{cursor:pointer;color:var(--navy);font-weight:800}.legal{max-width:850px;padding-bottom:80px}.legal p,.legal li{color:#42576b}.contact{display:grid;gap:16px;margin:30px 0}.contact label{font-weight:750}.contact input,.contact select,.contact textarea,.search-box input{display:block;width:100%;margin-top:7px;padding:13px 14px;border:1px solid #c9d7e4;border-radius:11px;background:#fff;font:inherit;outline:none}.contact input:focus,.contact select:focus,.contact textarea:focus,.search-box input:focus{border-color:var(--blue);box-shadow:0 0 0 4px rgba(23,105,224,.1)}.search-box{display:block;margin-top:26px;font-weight:800}.pagination{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;margin-top:38px;padding-top:20px;border-top:1px solid var(--line)}.pagination a{color:var(--blue);font-weight:800;text-decoration:none}.pagination a:last-child{text-align:right}
.tools-hero{display:grid;gap:28px;align-items:center}.tools-hero img,.tool-intro img{width:100%;border-radius:var(--radius);box-shadow:var(--shadow)}.tool-shell{padding:48px 20px 62px;display:grid;gap:30px}.tool-intro h1{margin:10px 0 17px;font-size:clamp(38px,10vw,60px)}.calculator-panel{position:relative;overflow:hidden;padding:22px;border:1px solid #d9e7f5;border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}.calculator-panel:before{content:"";position:absolute;inset:0 0 auto;height:5px;background:linear-gradient(90deg,var(--blue),#63d6a7)}.form-grid{display:grid;gap:15px}.calculator-form label{display:block;color:#3b5269;font-size:13px;font-weight:800}.calculator-form label small{color:#7c8ea0}.calculator-form input,.calculator-form select,.calculator-form textarea{display:block;width:100%;margin-top:7px;padding:14px;border:1px solid #cad9e7;border-radius:11px;background:#f9fbfd;color:var(--navy);font:600 16px inherit;outline:none;transition:.18s}.calculator-form input:focus,.calculator-form select:focus,.calculator-form textarea:focus{border-color:var(--blue);background:#fff;box-shadow:0 0 0 4px rgba(23,105,224,.1)}.calculator-form textarea{resize:vertical}.calculator-form .button{min-height:48px;margin-top:20px}.reset-button{min-height:48px;padding:0 15px;border:0;background:transparent;color:var(--muted);font-weight:800;cursor:pointer}.calculator-result{margin-top:24px;padding:20px;border:1px solid #bde8d4;border-radius:16px;background:linear-gradient(135deg,var(--green-soft),#f1f7ff)}.calculator-result .eyebrow{margin-bottom:7px}.result-main{color:var(--navy);font-size:27px;font-weight:850;line-height:1.15;letter-spacing:-.025em}.result-details{display:grid;gap:9px;margin-top:16px}.result-details div{padding:11px 12px;border:1px solid rgba(80,145,115,.14);border-radius:10px;background:rgba(255,255,255,.78)}.result-details span{display:block;color:#718698;font-size:10px;font-weight:750;text-transform:uppercase;letter-spacing:.06em}.result-details strong{display:block;margin-top:2px;color:var(--navy)}.tool-article{max-width:780px;padding:0 20px 65px}
footer{padding:55px 20px 24px;display:grid;gap:32px;background:var(--navy);color:#bdd0e0}footer .brand img{filter:brightness(0) invert(1);opacity:.96}footer h3{margin:0 0 12px;color:#fff;font-size:12px;letter-spacing:.1em;text-transform:uppercase}footer a:not(.brand){display:block;margin:7px 0;color:#d3e0eb;font-size:14px;text-decoration:none}footer a:hover{color:#78e2b5}.footer-bottom{padding-top:20px;border-top:1px solid rgba(255,255,255,.13);font-size:12px;color:#91aabe}
@keyframes rise{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}.hero-copy,.market-panel,.tool-shell,.article-head,.category-hero{animation:rise .5s ease both}
@media(min-width:620px){.card-grid,.tool-grid,.quick-tool-grid,.principles>div{grid-template-columns:repeat(2,1fr)}.form-grid,.result-details{grid-template-columns:repeat(2,1fr)}.calculator-form label.wide{grid-column:1/-1}footer{grid-template-columns:repeat(2,1fr)}.footer-bottom{grid-column:1/-1}}
@media(min-width:860px){header{padding-left:max(28px,calc((100vw - 1180px)/2));padding-right:max(28px,calc((100vw - 1180px)/2))}.menu{display:none}header nav{display:flex;position:static;padding:0;border:0;box-shadow:none;background:transparent;flex-direction:row;gap:5px}.hero{grid-template-columns:1.05fr .95fr;gap:65px;padding-top:78px;padding-bottom:76px}.section-head{display:flex;align-items:end;justify-content:space-between;gap:35px}.newsletter{padding-left:max(28px,calc((100vw - 1180px)/2));padding-right:max(28px,calc((100vw - 1180px)/2));display:flex;align-items:center;justify-content:space-between;gap:55px}.newsletter form{min-width:440px;margin-top:0}.card-grid,.tool-grid{grid-template-columns:repeat(3,1fr)}.quick-tool-grid{grid-template-columns:repeat(2,1fr)}.article-head{text-align:center;max-width:900px}.article-layout{grid-template-columns:minmax(0,740px) 260px;gap:60px}.toc{position:sticky;top:100px}.sidebar-ad{display:block}.tools-hero{grid-template-columns:1fr .8fr}.tool-shell{grid-template-columns:.85fr 1.15fr;gap:55px;align-items:start}.calculator-panel{padding:30px}.result-main{font-size:32px}footer{padding-left:max(28px,calc((100vw - 1180px)/2));padding-right:max(28px,calc((100vw - 1180px)/2));grid-template-columns:2fr repeat(3,1fr)}}
@media(min-width:1080px){.featured-tool-grid{grid-template-columns:repeat(4,1fr)}.featured-tool-grid .tool-card:first-child,.featured-tool-grid .tool-card:nth-child(2),.featured-tool-grid .tool-card:nth-child(3){grid-column:span 1}.card{padding:26px}.tool-card{padding:25px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}