:root{--navy:#0d2137;--blue:#1b4fd8;--teal:#0891b2;--ink:#213550;--muted:#64748b;--line:#dbe4ee;--bg:#f6f8fb;--card:#fff;--good:#086c4c;--warn:#8a4f00;--bad:#a22020;--focus:#f59e0b;--soft:#eef5ff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;background:var(--bg);color:var(--ink);line-height:1.58;font-size:15px}a{color:var(--blue)}a:hover{text-decoration-thickness:2px}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--focus);outline-offset:2px}.skip{position:absolute;left:-9999px;top:0}.skip:focus{left:8px;top:8px;background:#fff;padding:9px 12px;z-index:9999;border-radius:8px}.top{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.98);border-bottom:1px solid var(--line);box-shadow:0 1px 3px rgba(13,33,55,.05);backdrop-filter:blur(8px)}.topin{max-width:1240px;margin:auto;padding:10px 16px;display:flex;align-items:center;gap:16px}.brand{font-weight:850;color:var(--navy);text-decoration:none;font-size:1.16rem;white-space:nowrap}.brand span{color:var(--blue)}#global-nav{display:flex;gap:13px;align-items:center;margin-left:auto;flex-wrap:nowrap}#global-nav a{text-decoration:none;color:#445774;font-size:.89rem;font-weight:600;padding:6px 4px;border-radius:8px;white-space:nowrap}#global-nav a:hover{color:var(--blue);background:#f3f7fb}#global-nav a[aria-current="page"]{color:var(--blue);background:var(--soft);font-weight:750}.menu-toggle{display:none;margin-left:auto;background:#fff;border:1px solid var(--line);color:var(--navy);padding:8px 11px;border-radius:9px;font-weight:750}.crumb{max-width:1180px;margin:15px auto 0;padding:0 16px;font-size:.86rem;color:var(--muted)}main{max-width:1180px;margin:0 auto;padding:18px 16px 52px}.hero{background:linear-gradient(135deg,#eef5ff,#f9fcff);border:1px solid #cfe0fa;border-radius:18px;padding:24px;margin-bottom:18px;box-shadow:0 3px 12px rgba(27,79,216,.04)}.eyebrow{font-size:.8rem;font-weight:800;color:var(--blue);text-transform:uppercase;letter-spacing:.08em}.hero h1{margin:.2rem 0 .55rem;color:var(--navy);font-size:clamp(1.65rem,4vw,2.45rem);line-height:1.16;letter-spacing:-.02em}.hero p{max-width:900px;margin:.45rem 0}.hero .quickfacts{display:flex;gap:8px;flex-wrap:wrap;margin-top:13px}.grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(300px,.8fr);gap:18px;align-items:start}.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:18px;box-shadow:0 2px 8px rgba(13,33,55,.04);min-width:0}.card h2,.card h3{color:var(--navy);margin-top:0;line-height:1.28}.card h2{font-size:1.25rem}.card h3{font-size:1.03rem}.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.field{min-width:0}.field.full{grid-column:1/-1}label{display:block;font-weight:680;font-size:.88rem;margin-bottom:5px;color:#233852}input,select,textarea{width:100%;max-width:100%;border:1px solid #c8d5e4;border-radius:10px;padding:10px 11px;background:#fff;color:var(--ink);font:inherit}input:invalid,select:invalid,textarea:invalid{box-shadow:none}textarea{min-height:142px;resize:vertical;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.84rem}small,.hint{color:var(--muted);font-size:.8rem}.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}button,.btn{border:0;border-radius:10px;padding:10px 14px;font:inherit;font-weight:750;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;justify-content:center}.primary{background:var(--blue);color:#fff}.primary:hover{background:#163fb0}.secondary{background:#eaf1fb;color:var(--navy)}.ghost{background:#fff;border:1px solid var(--line);color:var(--ink)}.results{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.metric{border:1px solid var(--line);background:#fbfdff;border-radius:12px;padding:12px;min-width:0}.metric .k{font-size:.76rem;color:var(--muted);text-transform:uppercase;letter-spacing:.045em;font-weight:700}.metric .v{font-size:1.24rem;font-weight:850;color:var(--navy);overflow-wrap:anywhere}.notice{border-left:4px solid var(--teal);background:#effbfd;padding:12px 13px;border-radius:9px;margin:12px 0}.warn{border-left-color:#e29716;background:#fff8e8}.error{border-left-color:#d14343;background:#fff0f0;color:#7d1d1d}.good{border-left-color:#0a8d62;background:#eefaf6}.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:12px;margin-top:12px;background:#fff}.tablewrap:focus{outline:3px solid var(--focus);outline-offset:2px}table{width:100%;border-collapse:collapse;min-width:560px}th,td{padding:9px 10px;border-bottom:1px solid var(--line);text-align:left;font-size:.86rem;vertical-align:top}th{background:#f3f7fb;color:var(--navy);font-weight:750}.tabs{display:flex;gap:8px;flex-wrap:wrap;margin:10px 0}.pill{display:inline-flex;border:1px solid #bfd1e7;border-radius:999px;padding:5px 9px;font-size:.77rem;background:#f8fbff;color:#314967}.section{margin-top:20px}.content-section{margin-top:22px}.content-section h2{margin-bottom:8px;color:var(--navy);font-size:1.35rem}.content-section h3{color:var(--navy);font-size:1.04rem;margin:18px 0 6px}.content-section p{margin:8px 0}.content-section ul,.content-section ol{padding-left:22px}.content-section li{margin:.34rem 0}.formula{background:#f6f9fd;border:1px solid var(--line);border-radius:11px;padding:12px 14px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.86rem;overflow-wrap:anywhere}.source-list li{margin:.45rem 0}.source-list a{overflow-wrap:anywhere}.faq details{border-top:1px solid var(--line);padding:11px 0}.faq details:first-of-type{border-top:0}.faq summary{font-weight:750;cursor:pointer;color:var(--navy)}.footer{border-top:1px solid var(--line);background:#fff}.footerin{max-width:1180px;margin:auto;padding:24px 16px;color:var(--muted);font-size:.83rem}.footergrid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:22px}.footergrid h2,.footergrid h3{color:var(--navy);font-size:.86rem;margin:0 0 7px}.footergrid a{display:block;margin:4px 0;text-decoration:none;color:#50647e}.footerlegal{border-top:1px solid var(--line);margin-top:18px;padding-top:13px}.toolgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.toolcard{background:#fff;border:1px solid var(--line);border-radius:14px;padding:15px;text-decoration:none;color:inherit;transition:border-color .15s,transform .15s}.toolcard:hover{border-color:#a9c4e8;transform:translateY(-1px)}.toolcard b{display:block;color:var(--navy);margin-bottom:4px}.scorebar{height:9px;background:#e8eef5;border-radius:99px;overflow:hidden}.scorebar>span{display:block;height:100%;background:var(--blue)}.inline3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px}.tag{display:inline-block;border-radius:99px;background:#eaf1fb;padding:3px 8px;font-size:.75rem}.hidden{display:none!important}.mono{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.82rem;white-space:pre-wrap;overflow-wrap:anywhere}.toc{background:#f9fbfe;border:1px solid var(--line);border-radius:12px;padding:13px 15px}.toc b{color:var(--navy)}.toc a{margin-right:12px;white-space:nowrap}.audit-note{font-size:.82rem;color:#5c6d83;background:#f8fafc;border:1px dashed #ccd7e4;border-radius:10px;padding:10px 12px}.source-badge{display:inline-flex;align-items:center;gap:5px;background:#eefaf6;color:#086c4c;border:1px solid #bfe7d8;border-radius:999px;padding:4px 8px;font-size:.76rem;font-weight:700}.callout-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}.callout{border:1px solid var(--line);border-radius:12px;background:#fbfdff;padding:12px}.callout b{display:block;color:var(--navy);margin-bottom:4px}
@media(max-width:900px){.footergrid{grid-template-columns:1fr 1fr}.callout-grid{grid-template-columns:1fr 1fr}}
@media(max-width:780px){.grid{grid-template-columns:1fr}.toolgrid{grid-template-columns:1fr 1fr}.menu-toggle{display:inline-flex}#global-nav{display:none;position:absolute;left:0;right:0;top:55px;background:#fff;border-bottom:1px solid var(--line);padding:10px 16px 14px;box-shadow:0 8px 18px rgba(13,33,55,.08);margin:0;flex-direction:column;align-items:stretch;gap:2px}#global-nav.open{display:flex}#global-nav a{padding:9px 8px;border-radius:8px}#global-nav a:hover{background:#f3f7fb}.fields{grid-template-columns:1fr}.field.full{grid-column:auto}.results{grid-template-columns:1fr 1fr}.inline3{grid-template-columns:1fr}.hero{padding:19px}}
@media(max-width:520px){main{padding-left:10px;padding-right:10px}.hero,.card{padding:14px;border-radius:13px}.toolgrid,.results,.footergrid,.callout-grid{grid-template-columns:1fr}.metric .v{font-size:1.13rem}.topin{padding-left:11px;padding-right:11px}.brand{font-size:1.05rem}table{min-width:500px}}
@media print{.top,.actions,.skip,.crumb,.menu-toggle{display:none!important}body{background:#fff}.card,.hero{box-shadow:none}.footergrid{grid-template-columns:1fr 1fr}}
