
:root{--ink:#10233b;--muted:#5e6b7a;--bg:#f6f8fb;--card:#fff;--red:#c7282e;--red2:#a91f25;--line:#dfe5ec;--green:#1b6b50;--blue:#174b7a;--radius:18px;--shadow:0 10px 30px rgba(16,35,59,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.62}a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}img{max-width:100%}.wrap{width:min(1180px,calc(100% - 36px));margin:auto}.topbar{background:var(--ink);color:#fff;font-size:.9rem}.topbar .wrap{display:flex;justify-content:space-between;gap:18px;padding:8px 0}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:24px}.brand{text-decoration:none;color:var(--ink);font-weight:850;letter-spacing:-.04em;font-size:1.25rem;display:flex;align-items:center;gap:10px}.mark{width:34px;height:34px;border-radius:10px;background:var(--red);color:#fff;display:grid;place-items:center;font-weight:900}.brand small{display:block;color:var(--muted);font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700}.links{display:flex;align-items:center;gap:20px;font-size:.93rem;font-weight:700}.links a{text-decoration:none;color:var(--ink)}.links a:hover{color:var(--red)}.nav-cta,.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:12px 18px;background:var(--red);color:#fff!important;text-decoration:none;font-weight:800;border:0;cursor:pointer}.nav-cta:hover,.btn:hover{background:var(--red2)}.btn.secondary{background:var(--ink)}.menu-btn{display:none;background:none;border:0;font-size:1.4rem}.hero{background:linear-gradient(135deg,#eef4f9 0%,#fff 55%,#fff1f2 100%);border-bottom:1px solid var(--line)}.hero .wrap{display:grid;grid-template-columns:1.18fr .82fr;gap:50px;padding:76px 0 66px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;text-transform:uppercase;letter-spacing:.1em;font-size:.75rem;font-weight:850;color:var(--red)}h1{font-size:clamp(2.35rem,5.5vw,4.9rem);line-height:1.02;letter-spacing:-.055em;margin:.25em 0 .28em}h2{font-size:clamp(1.7rem,3vw,2.5rem);line-height:1.15;letter-spacing:-.035em;margin-top:1.7em}h3{font-size:1.18rem;line-height:1.25;margin-top:1.5em}.lead{font-size:1.18rem;color:#39495c;max-width:740px}.hero-points{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:26px 0}.pill{background:#fff;border:1px solid var(--line);border-radius:14px;padding:12px;font-size:.88rem;font-weight:750}.panel{background:#fff;border:1px solid var(--line);border-radius:24px;padding:26px;box-shadow:var(--shadow)}.panel h2{margin-top:0;font-size:1.55rem}.field{margin:14px 0}.field label{display:block;font-size:.82rem;font-weight:800;margin-bottom:6px}.field input,.field select,.field textarea{width:100%;padding:13px 14px;border:1px solid #cbd5e1;border-radius:12px;font:inherit;background:#fff}.field textarea{min-height:110px}.grid{display:grid;gap:22px}.grid.three{grid-template-columns:repeat(3,1fr)}.grid.four{grid-template-columns:repeat(4,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 5px 18px rgba(16,35,59,.045)}.card h3{margin-top:0}.card .kicker{color:var(--red);font-size:.74rem;letter-spacing:.08em;text-transform:uppercase;font-weight:850}.section{padding:72px 0}.section.alt{background:var(--bg)}.section-head{max-width:800px;margin-bottom:32px}.section-head h2{margin-top:0}.big-number{font-size:2.3rem;font-weight:900;letter-spacing:-.05em}.muted{color:var(--muted)}.price-table{width:100%;border-collapse:collapse;margin:22px 0;background:#fff;border:1px solid var(--line)}.price-table th,.price-table td{padding:13px 15px;text-align:left;border-bottom:1px solid var(--line)}.price-table th{background:#eef3f8;font-size:.82rem;text-transform:uppercase;letter-spacing:.05em}.note{border-left:4px solid var(--red);background:#fff3f3;padding:16px 18px;border-radius:0 12px 12px 0;margin:24px 0}.good{border-left-color:var(--green);background:#f2fbf7}.breadcrumbs{font-size:.82rem;color:var(--muted);padding:18px 0 0}.breadcrumbs a{color:var(--muted)}.article-hero{background:var(--bg);border-bottom:1px solid var(--line)}.article-hero .wrap{padding:46px 0 42px}.article-hero h1{font-size:clamp(2.25rem,5vw,4rem);max-width:900px}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;align-items:start}.prose{font-size:1.02rem}.prose p,.prose li{color:#2f4053}.prose ul{padding-left:1.25rem}.prose a{font-weight:700}.sidebar{position:sticky;top:102px}.sidebar .card{margin-bottom:18px}.toc a{display:block;padding:7px 0;text-decoration:none;color:#3b4a5c;font-size:.9rem;border-bottom:1px solid #eef1f5}.cta-band{background:var(--ink);color:#fff;border-radius:24px;padding:34px;margin:44px 0}.cta-band h2{margin-top:0;color:#fff}.cta-band p{color:#dce4ee}.cta-band .btn{background:#fff;color:var(--ink)!important}.result{display:none;margin-top:20px;background:#f4f8fb;border:1px solid var(--line);border-radius:16px;padding:18px}.result.active{display:block}.result-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.metric{background:#fff;border:1px solid var(--line);padding:14px;border-radius:12px}.metric b{display:block;font-size:1.35rem}.faq details{border-top:1px solid var(--line);padding:15px 0}.faq summary{font-weight:800;cursor:pointer}.sources{font-size:.88rem;color:var(--muted)}footer{background:#0b1a2c;color:#d9e3ed;padding:52px 0 28px;margin-top:70px}footer a{color:#fff}footer .cols{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:36px}footer h3{color:#fff;margin-top:0;font-size:1rem}footer ul{list-style:none;padding:0;margin:0}footer li{margin:7px 0}.fine{border-top:1px solid rgba(255,255,255,.14);margin-top:35px;padding-top:20px;font-size:.82rem;color:#aebccc}.tag{display:inline-block;font-size:.76rem;font-weight:750;background:#edf2f7;padding:4px 8px;border-radius:999px;color:#4b5a6b;margin:3px}.mapless{background:linear-gradient(135deg,#e9f2fb,#f8fbfd);min-height:190px;border-radius:16px;padding:22px;display:flex;align-items:flex-end;font-weight:850}.bar{height:9px;background:#e5eaf0;border-radius:999px;overflow:hidden}.bar>span{display:block;height:100%;background:var(--red)}
@media(max-width:900px){.links{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;border-bottom:1px solid var(--line);padding:18px 24px;flex-direction:column;align-items:flex-start}.links.open{display:flex}.menu-btn{display:block}.nav-cta{display:none}.hero .wrap,.content-layout{grid-template-columns:1fr}.hero .wrap{padding:54px 0}.hero-points{grid-template-columns:1fr}.grid.three,.grid.four{grid-template-columns:1fr 1fr}.sidebar{position:static}footer .cols{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.wrap{width:min(100% - 24px,1180px)}.topbar .wrap{font-size:.76rem}.topbar span:last-child{display:none}.grid.three,.grid.four,.result-grid,footer .cols{grid-template-columns:1fr}.section{padding:52px 0}.panel{padding:20px}.price-table{font-size:.86rem}.price-table th,.price-table td{padding:10px}.brand{font-size:1.05rem}.article-hero .wrap{padding:34px 0}.article-hero h1{font-size:2.3rem}}
