:root{--ink:#1d2430;--muted:#566070;--bg:#fbf8f3;--card:#fff;--line:#e6dfd3;--brand:#0f4c5c;--brand-2:#c2410c;--brand-soft:#e7f1f3;--warn-bg:#fff4d6;--warn-line:#e3b341;--ok:#1f7a4d;--radius:12px;--maxw:74rem;--readw:46rem;--font:system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:1rem}body{font-family:var(--font);color:var(--ink);background:var(--bg);margin:0;font-size:1.0625rem;line-height:1.65}img{max-width:100%;height:auto}a{color:var(--brand);text-underline-offset:2px}a:hover{color:var(--brand-2)}:focus-visible{outline:3px solid var(--brand-2);outline-offset:2px}h1,h2,h3{color:#13202c;line-height:1.25}h1{margin:.4em 0 .3em;font-size:clamp(1.75rem,4vw,2.5rem)}h2{margin-top:2.2em;font-size:clamp(1.35rem,2.6vw,1.7rem)}h3{margin-top:1.6em;font-size:1.2rem}table{border-collapse:collapse;background:var(--card);width:100%;margin:1.2em 0;font-size:.97rem}th,td{border:1px solid var(--line);text-align:left;vertical-align:top;padding:.55em .7em}th{background:#f3eee5}.table-wrap{overflow-x:auto}code{background:#f1ece3;border-radius:4px;padding:.1em .35em;font-size:.92em}blockquote{border-left:4px solid var(--brand);background:var(--brand-soft);border-radius:0 8px 8px 0;margin:1.2em 0;padding:.6em 1em}.skip{z-index:100;background:#fff;padding:.5rem 1rem;position:absolute;top:0;left:-999px}.skip:focus{left:1rem}.container{max-width:var(--maxw);margin:0 auto;padding:0 1.1rem}.read{max-width:var(--readw)}.visually-hidden{clip:rect(0 0 0 0);white-space:nowrap;width:1px;height:1px;overflow:hidden;position:absolute!important}.site-header{border-bottom:1px solid var(--line);background:#fff}.site-header .container{justify-content:space-between;align-items:center;gap:1rem;min-height:64px;display:flex}.brand{color:var(--ink);align-items:center;gap:.55rem;font-size:1.2rem;font-weight:800;text-decoration:none;display:flex}.brand small{color:var(--muted);letter-spacing:.01em;font-size:.72rem;font-weight:500;display:block}.brand svg{flex:none}.nav ul{gap:1.1rem;margin:0;padding:0;list-style:none;display:flex}.nav a{color:var(--ink);font-size:.97rem;font-weight:600;text-decoration:none}.nav a:hover,.nav a[aria-current=page]{color:var(--brand-2)}.menu{display:none}@media (width<=860px){.nav{display:none}.menu{display:block;position:relative}.menu summary{cursor:pointer;border:1px solid var(--line);border-radius:8px;padding:.45rem .8rem;font-weight:600;list-style:none}.menu summary::-webkit-details-marker{display:none}.menu ul{border:1px solid var(--line);z-index:20;background:#fff;border-radius:10px;min-width:14rem;margin:0;padding:.5rem;list-style:none;position:absolute;top:2.6rem;right:0;box-shadow:0 8px 24px #00000014}.menu li a{color:var(--ink);padding:.5rem .6rem;text-decoration:none;display:block}}.crumbs{color:var(--muted);margin:1rem 0 0;font-size:.88rem}.crumbs ol{flex-wrap:wrap;gap:.35rem;margin:0;padding:0;list-style:none;display:flex}.crumbs li+li:before{content:"›";color:#a09a90;margin-right:.35rem}.crumbs a{color:var(--muted)}.article-grid{grid-template-columns:minmax(0,1fr) 17rem;align-items:start;gap:2.5rem;display:grid}@media (width<=1000px){.article-grid{grid-template-columns:1fr}.aside{order:-1}}.aside{position:sticky;top:1rem}@media (width<=1000px){.aside{position:static}}.short-answer{border:1px solid var(--line);border-left:5px solid var(--brand);border-radius:var(--radius);background:#fff;padding:.9rem 1.1rem;font-size:1.12rem}.short-answer b{color:var(--brand)}.box{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);margin:1.2rem 0;padding:1rem 1.15rem}.disclosure{background:#f4f7fb;border-color:#cfdbe8;font-size:.93rem}.disclosure p{margin:.2rem 0}.trust{color:var(--muted);border-top:1px solid var(--line);border-bottom:1px solid var(--line);flex-wrap:wrap;gap:.4rem 1.2rem;margin:1rem 0;padding:.6rem 0;font-size:.9rem;display:flex}.trust b{color:var(--ink)}.toc{font-size:.93rem}.toc h2{margin:0 0 .4rem;font-size:1rem}.toc ol{margin:0;padding-left:1.1rem}.toc li{margin:.2rem 0}.toc a{color:var(--ink);text-decoration:none}.toc a:hover{color:var(--brand-2);text-decoration:underline}.prose{max-width:var(--readw)}.prose li{margin:.3rem 0}.callout{border-left:5px solid var(--brand-2);background:#fff6f1;border-radius:0 10px 10px 0;margin:1.2rem 0;padding:.8rem 1rem}.faq details{border:1px solid var(--line);background:#fff;border-radius:10px;margin:.55rem 0;padding:.2rem .9rem}.faq summary{cursor:pointer;padding:.55rem 0;font-weight:650}.cta-box{border:2px solid var(--brand);background:linear-gradient(#fff,#fbfaf7);border-radius:16px;margin:2rem 0;padding:1.1rem 1.2rem}.cta-box h2,.cta-box h3{margin-top:0}.cta-grid{grid-template-columns:repeat(auto-fit,minmax(15rem,1fr));gap:.9rem;display:grid}.cta-card{border:1px solid var(--line);background:#fff;border-radius:12px;flex-direction:column;gap:.4rem;padding:.9rem 1rem;display:flex}.cta-card .for{color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-size:.82rem}.btn{background:var(--brand);cursor:pointer;border:0;border-radius:10px;padding:.65rem 1.1rem;font-family:inherit;font-size:1rem;font-weight:700;text-decoration:none;display:inline-block;color:#fff!important}.btn:hover{background:#0b3a47}.btn.alt{border:2px solid var(--brand);background:#fff;color:var(--brand)!important}.btn.warm{background:var(--brand-2)}.btn.warm:hover{background:#9a3412}.cta-note{color:var(--muted);margin:.6rem 0 0;font-size:.8rem}.sources ol{padding-left:1.2rem;font-size:.93rem}.sources li{word-break:break-word;margin:.25rem 0}.sources-note{color:var(--muted);margin:.25rem 0 .5rem;font-size:.9rem}.sources .src-meta{color:var(--muted)}a.cite{white-space:nowrap}.author{align-items:flex-start;gap:1rem;display:flex}.avatar{background:var(--brand);color:#fff;border-radius:50%;flex:none;place-items:center;width:56px;height:56px;font-weight:800;display:grid}.disclaimer{color:var(--muted);font-size:.9rem}.next-step{background:var(--brand);color:#fff;border-radius:14px;padding:1rem 1.2rem}.next-step a{color:#fff;font-weight:700}.related ul{padding-left:1.1rem}.hero{padding:2.2rem 0 1rem}.hero p.lead{color:var(--muted);max-width:44rem;font-size:1.2rem}.persona{grid-template-columns:repeat(auto-fit,minmax(16rem,1fr));gap:1rem;margin:1.5rem 0;display:grid}.persona a{border:1px solid var(--line);color:var(--ink);background:#fff;border-radius:16px;padding:1.1rem 1.2rem;text-decoration:none;transition:border-color .15s,transform .15s;display:block}.persona a:hover{border-color:var(--brand);transform:translateY(-2px)}.persona .flag{font-size:1.7rem}.persona h3{margin:.3rem 0}.cards{grid-template-columns:repeat(auto-fit,minmax(15rem,1fr));gap:1rem;display:grid}.card{border:1px solid var(--line);background:#fff;border-radius:14px;padding:1rem 1.1rem}.card h3{margin-top:0;font-size:1.08rem}.tool{border:1px solid var(--line);background:#fff;border-radius:16px;margin:1.2rem 0;padding:1.2rem}.tool fieldset{border:0;margin:0 0 1rem;padding:0}.tool legend{margin-bottom:.45rem;font-weight:700}.tool label{display:block}.tool .opts{grid-template-columns:repeat(auto-fit,minmax(12rem,1fr));gap:.45rem;display:grid}.tool .opt{border:1px solid var(--line);cursor:pointer;background:#fdfcf9;border-radius:10px;align-items:flex-start;gap:.55rem;padding:.55rem .7rem;display:flex}.tool .opt:has(input:checked){border-color:var(--brand);background:var(--brand-soft)}.tool .opt input{accent-color:var(--brand);margin-top:.3rem}.tool select{font:inherit;background:#fff;border:1px solid #cfc6b8;border-radius:8px;padding:.45rem .6rem}.tool .row{flex-wrap:wrap;align-items:end;gap:1rem;display:flex}.result{border-top:3px solid var(--brand);margin-top:1.2rem;padding-top:1rem}.result[hidden]{display:none}.result .big{color:var(--brand);font-size:2rem;font-weight:800}.kpis{grid-template-columns:repeat(auto-fit,minmax(12rem,1fr));gap:.8rem;margin:.8rem 0;display:grid}.kpi{background:var(--brand-soft);border-radius:12px;padding:.8rem 1rem}.kpi .lbl{color:var(--muted);font-size:.85rem}.kpi .val{color:var(--brand);font-size:clamp(1.05rem,3.6vw,1.3rem);font-weight:800;line-height:1.2}#calc-compare tr.sel td{background:var(--brand-soft);font-weight:700}.est{color:#8a5a00;background:var(--warn-bg);border-radius:4px;padding:.05rem .4rem;font-size:.8rem;font-weight:700}.progress{background:#efe8dc;border-radius:99px;height:6px;margin-bottom:1rem;overflow:hidden}.progress span{background:var(--brand-2);height:100%;transition:width .2s;display:block}.q-nav{justify-content:space-between;gap:.6rem;margin-top:1rem;display:flex}.checklist li{margin:.45rem 0}.warn{background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:10px;margin:.8rem 0;padding:.7rem .9rem}.site-footer{color:#cdd5de;background:#13202c;margin-top:4rem;font-size:.93rem}.site-footer a{color:#fff}.site-footer .container{padding-top:2rem;padding-bottom:2rem}.foot-grid{grid-template-columns:repeat(auto-fit,minmax(13rem,1fr));gap:1.5rem;display:grid}.site-footer h2{color:#fff;margin:0 0 .5rem;font-size:1rem}.site-footer ul{margin:0;padding:0;list-style:none}.site-footer li{margin:.3rem 0}.link-btn{color:#fff;cursor:pointer;font:inherit;background:0 0;border:0;padding:0;text-decoration:underline}.cookie{border:1px solid var(--line);z-index:50;background:#fff;border-radius:14px;max-width:40rem;margin:0 auto;padding:1rem 1.1rem;font-size:.95rem;position:fixed;inset:auto 1rem 1rem;box-shadow:0 12px 40px #0000002e}.cookie[hidden]{display:none}.cookie .actions{flex-wrap:wrap;gap:.6rem;margin-top:.6rem;display:flex}@media print{.site-header,.site-footer,body{background:#fff;font-size:11pt}.tool{border:0;padding:0}.print-only{display:block!important}a[href^=http]:after{content:" (" attr(href) ")";color:#444;word-break:break-all;font-size:9pt}}.print-only{display:none}.muted{color:var(--muted);font-size:.92rem}
