:root{
  --bg:#f3f5f7;
  --surface:#ffffff;
  --ink:#14213d;
  --text:#2b3448;
  --muted:#5d667a;
  --line:#dde2ea;
  --navy:#14213d;
  --link:#1f4fbf;
  --amber:#e39a35;
  --amber-soft:#fdf1df;
  --amber-ink:#8a4f0c;
  --radius:10px;
  --shadow:0 1px 2px rgba(20,33,61,.05),0 6px 20px rgba(20,33,61,.06);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font-family:"Source Serif 4",Georgia,serif;font-size:18px;line-height:1.7}
h1,h2,h3,.ui{font-family:"Manrope",system-ui,sans-serif;color:var(--ink);letter-spacing:-.01em}
h1{font-weight:800;line-height:1.12}
h2{font-weight:800;line-height:1.2}
h3{font-weight:700;line-height:1.3}
a{color:var(--link);text-underline-offset:3px}
a:hover{text-decoration-thickness:2px}
img,svg{max-width:100%}
.container{max-width:1120px;margin:0 auto;padding:0 20px}

/* header */
.top{background:var(--navy);color:#fff}
.top .container{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px;flex-wrap:wrap;padding-top:10px;padding-bottom:10px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-family:"Manrope",sans-serif;font-weight:800;font-size:20px;letter-spacing:-.02em}
.logo svg{width:32px;height:32px;flex-shrink:0}
.nav{display:flex;gap:22px;flex-wrap:wrap;font-family:"Manrope",sans-serif;font-size:15px;font-weight:600}
.nav a{color:#c9d2e3;text-decoration:none;padding:4px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current="page"]{color:#fff;border-bottom-color:var(--amber)}

/* hero */
.hero{background:var(--navy);color:#e6ebf4;padding:40px 0 56px}
.eyebrow{font-family:"Manrope",sans-serif;font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--amber);margin:0 0 14px}
.hero h1{color:#fff;font-size:clamp(32px,5.2vw,52px);margin:0 0 18px;max-width:820px}
.hero .lead{font-size:20px;max-width:720px;margin:0 0 34px;color:#d3dbea}
.figures{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.fig{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:20px}
.fig-num{font-family:"Manrope",sans-serif;font-weight:800;font-size:clamp(28px,3.6vw,38px);color:#fff;line-height:1.05;font-variant-numeric:tabular-nums}
.fig-num small{font-size:.5em;font-weight:700;color:var(--amber);margin-left:4px}
.fig-label{font-family:"Manrope",sans-serif;font-size:14px;color:#aeb9cf;margin-top:8px;line-height:1.45}
.meta{font-family:"Manrope",sans-serif;font-size:14px;color:#aeb9cf;margin-top:22px}

/* layout */
.layout{display:grid;grid-template-columns:240px 1fr;gap:48px;padding:48px 0 24px;align-items:start}
.toc{position:sticky;top:20px;font-family:"Manrope",sans-serif;font-size:14px}
.toc p{font-weight:800;color:var(--ink);text-transform:uppercase;letter-spacing:.08em;font-size:12px;margin:0 0 10px}
.toc ol{list-style:none;margin:0;padding:0;border-left:2px solid var(--line)}
.toc li{margin:0}
.toc a{display:block;padding:7px 0 7px 14px;margin-left:-2px;border-left:2px solid transparent;color:var(--muted);text-decoration:none;line-height:1.35}
.toc a:hover{color:var(--ink);border-left-color:var(--amber)}
article{min-width:0}
.block{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);padding:34px 36px;margin-bottom:22px}
.block h2{font-size:clamp(24px,3vw,30px);margin:0 0 16px}
.block h2 .n{display:inline-block;min-width:1.6em;color:var(--amber)}
.block h3{font-size:19px;margin:24px 0 8px}
.block p{margin:0 0 14px}
.block ul,.block ol{margin:0 0 14px;padding-left:22px}
.block li{margin-bottom:7px}
.callout{background:var(--amber-soft);border-radius:8px;padding:16px 18px;margin:18px 0 4px;font-size:17px;color:#3d3220}
.callout strong{color:var(--amber-ink)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.split > div{border:1px solid var(--line);border-radius:8px;padding:18px 20px}
.split h3{margin-top:0}
.tag{display:inline-block;font-family:"Manrope",sans-serif;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;padding:3px 9px;border-radius:99px;margin-bottom:10px}
.tag.yes{background:#e3f1e8;color:#1f6b3d}
.tag.no{background:#f4e6e6;color:#8f2d2d}

/* table */
.tbl{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:8px;margin:6px 0 12px}
table{border-collapse:collapse;width:100%;min-width:520px;font-family:"Manrope",sans-serif;font-size:15px}
th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line)}
th{background:#f6f8fb;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
td.r,th.r{text-align:right;font-variant-numeric:tabular-nums}
tr:last-child td{border-bottom:0}
tr.now td{background:var(--amber-soft);font-weight:700}
.small{font-size:15px;color:var(--muted)}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:8px}
.calc-card{border:1px solid var(--line);border-radius:8px;padding:20px}
.calc-card h3{margin:0 0 12px;font-size:17px}
.calc label{display:block;font-family:"Manrope",sans-serif;font-size:14px;font-weight:700;color:var(--ink);margin-bottom:6px}
.calc select,.calc input{width:100%;font-family:"Manrope",sans-serif;font-size:16px;padding:10px 12px;border:1px solid #c5ccd8;border-radius:8px;background:#fff;color:var(--ink)}
.calc select:focus,.calc input:focus{outline:2px solid var(--link);outline-offset:1px}
.result{margin-top:14px;font-family:"Manrope",sans-serif}
.result .v{font-size:30px;font-weight:800;color:var(--ink);font-variant-numeric:tabular-nums}
.result .d{font-size:14px;color:var(--muted)}

/* steps */
.steps{list-style:none;padding:0 !important;counter-reset:st}
.steps li{counter-increment:st;position:relative;padding-left:46px;margin-bottom:16px}
.steps li::before{content:counter(st);position:absolute;left:0;top:2px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-family:"Manrope",sans-serif;font-weight:800;font-size:14px;display:grid;place-items:center}

/* faq */
.faq details{border-top:1px solid var(--line)}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:15px 34px 15px 0;font-family:"Manrope",sans-serif;font-weight:700;color:var(--ink);position:relative;font-size:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:22px;width:9px;height:9px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(-135deg);top:26px}
.faq details p{margin:0 0 16px}

.sources li{font-size:16px}

/* simple pages */
.page-hero{background:var(--navy);color:#d3dbea;padding:44px 0 48px}
.page-hero h1{color:#fff;font-size:clamp(30px,4.6vw,44px);margin:0 0 12px}
.page-hero p{margin:0;font-size:19px;max-width:720px}
.page{max-width:820px;padding:40px 20px 24px}
.page .block h2{font-size:22px}

/* footer */
.foot{margin-top:40px;background:#0e1830;color:#aeb9cf;font-family:"Manrope",sans-serif;font-size:14px;padding:36px 0 30px}
.foot .container{display:grid;gap:22px}
.foot-note{border:1px solid #27355a;border-radius:var(--radius);padding:16px 18px;line-height:1.6;color:#c9d2e3}
.foot-note strong{color:#fff;display:block;margin-bottom:4px}
.foot-row{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
.foot a{color:#fff}
.foot-links{display:flex;gap:18px;flex-wrap:wrap}

@media (max-width:900px){
  .layout{grid-template-columns:1fr;gap:20px;padding-top:28px}
  .toc{position:static;background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px 20px}
}
@media (max-width:680px){
  body{font-size:17px}
  .container{padding:0 16px}
  .figures{grid-template-columns:1fr}
  .block{padding:24px 18px}
  .split,.calc{grid-template-columns:1fr}
  .hero .lead{font-size:18px}
  .nav{gap:16px}
  .page{padding:28px 16px 16px}
}