:root{--c1:#0f4c81;--c2:#00a4e4;--acc:#f5a623;--ink:#12212e;--mut:#5b6b7a;--bg:#fff;--bg2:#f4f8fb;--bd:#dde6ee;--ok:#0f9d58;--warn:#b8860b;--danger:#c0392b;--r:12px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,sans-serif;color:var(--ink);background:var(--bg)}
.container{max-width:1080px;margin:0 auto;padding:0 1.1rem}
.disclaimer-banner{background:var(--ink);color:#cfe0ee;font-size:.8rem;text-align:center;padding:.45rem 1rem}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--bd)}
header.site .container{display:flex;align-items:center;gap:1rem;min-height:62px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:.5rem;font-weight:800;font-size:1.12rem;color:var(--c1);text-decoration:none;letter-spacing:-.02em}
.logo b{color:var(--c2)}
nav.main{margin-left:auto;display:flex;gap:.15rem;flex-wrap:wrap}
nav.main a{color:var(--mut);text-decoration:none;font-size:.9rem;font-weight:600;padding:.42rem .6rem;border-radius:8px}
nav.main a:hover{background:var(--bg2);color:var(--c1)}
nav.main a.active{color:var(--c1);background:#e8f2fa}
.hero{background:linear-gradient(160deg,var(--c1),#0a3a63 55%,#072b4a);color:#fff;padding:2.6rem 0 2.9rem}
.hero h1{font-size:clamp(1.7rem,4.2vw,2.6rem);line-height:1.18;margin:.4rem 0 .7rem;letter-spacing:-.02em}
.hero p.lead{font-size:1.06rem;color:#d3e5f3;max-width:800px;margin:0}
.badge{display:inline-block;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);padding:.28rem .8rem;border-radius:999px;font-size:.78rem;letter-spacing:.02em}
.cta-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:.9rem;margin-top:1.8rem}
.cta{background:#fff;border-radius:var(--r);padding:1.05rem 1.15rem;text-decoration:none;display:block;box-shadow:0 8px 24px rgba(0,0,0,.16);transition:transform .15s,box-shadow .15s}
.cta:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(0,0,0,.22)}
.cta strong{display:block;color:var(--c1);font-size:1.02rem;margin-bottom:.2rem}
.cta span{font-size:.86rem;color:var(--mut);line-height:1.45;display:block}
section{padding:2.6rem 0}
section.alt{background:var(--bg2)}
h2{font-size:clamp(1.3rem,2.7vw,1.75rem);line-height:1.25;margin:0 0 .8rem;letter-spacing:-.015em}
h3{font-size:1.1rem;margin:1.5rem 0 .4rem}
.prose{max-width:860px}
.prose p,.prose li{color:#243544}
.toc{background:var(--bg2);border:1px solid var(--bd);border-radius:var(--r);padding:1.1rem 1.4rem;max-width:900px}
.toc h2{font-size:1rem;margin:0 0 .5rem}
.toc ol{columns:2;column-gap:2rem;margin:0;padding-left:1.15rem;font-size:.93rem}
.toc li{margin:.22rem 0;break-inside:avoid}
.toc a{color:var(--c1);text-decoration:none}.toc a:hover{text-decoration:underline}
.tbl-wrap{overflow-x:auto;margin:1.1rem 0}
table{width:100%;border-collapse:collapse;font-size:.93rem;background:#fff;border-radius:var(--r);overflow:hidden}
th,td{padding:.62rem .8rem;text-align:left;border-bottom:1px solid var(--bd);vertical-align:top}
thead th{background:var(--c1);color:#fff;font-weight:600;font-size:.86rem;white-space:nowrap}
tbody tr:last-child td{border-bottom:0}
td.amt{font-weight:700;color:var(--c1);white-space:nowrap}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:.9rem;margin:1.5rem 0}
.kpi{background:#fff;border:1px solid var(--bd);border-radius:var(--r);padding:1rem;text-align:center}
.kpi b{display:block;font-size:1.55rem;color:var(--c1);line-height:1.2}
.kpi span{font-size:.82rem;color:var(--mut)}
.box{border-radius:var(--r);padding:1rem 1.2rem;margin:1.2rem 0;border-left:4px solid var(--c2);background:#eef7fd}
.box.ok{border-color:var(--ok);background:#eefaf2}
.box.warn{border-color:var(--warn);background:#fdf6e6}
.box.bad{border-color:var(--danger);background:#fdeeec}
.box b{display:block;margin-bottom:.2rem}
.steps{counter-reset:s;margin:1.2rem 0;padding:0;list-style:none}
.steps li{counter-increment:s;position:relative;padding:.1rem 0 1.05rem 3rem;border-left:2px solid var(--bd);margin-left:1rem}
.steps li:last-child{border-left-color:transparent;padding-bottom:0}
.steps li::before{content:counter(s);position:absolute;left:-1.05rem;top:0;width:2.1rem;height:2.1rem;border-radius:50%;background:var(--c1);color:#fff;display:grid;place-items:center;font-weight:700;font-size:.9rem}
.steps li b{display:block;margin-bottom:.15rem}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1rem;margin-top:1.2rem}
.card{background:#fff;border:1px solid var(--bd);border-radius:var(--r);padding:1.15rem;text-decoration:none;color:inherit;display:block;transition:border-color .15s,transform .15s}
.card:hover{border-color:var(--c2);transform:translateY(-2px)}
.card h3{margin:.1rem 0 .3rem;font-size:1.03rem;color:var(--c1)}
.card p{margin:0;font-size:.9rem;color:var(--mut)}
.faq{max-width:860px}
.faq details{border:1px solid var(--bd);border-radius:10px;margin-bottom:.55rem;background:#fff}
.faq summary{padding:.85rem 1.05rem;font-weight:600;cursor:pointer;list-style:none;position:relative;padding-right:2.4rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:1rem;top:.75rem;font-size:1.3rem;color:var(--c2);font-weight:400}
.faq details[open] summary::after{content:"−"}
.faq details p{margin:0;padding:0 1.05rem 1rem;color:#334}
.tool{background:#fff;border:1px solid var(--bd);border-radius:var(--r);padding:1.3rem;max-width:640px}
.tool label{display:block;font-weight:600;margin:.7rem 0 .3rem;font-size:.93rem}
.tool select,.tool input{width:100%;padding:.6rem .7rem;border:1px solid var(--bd);border-radius:8px;font:inherit;background:#fff}
.chips{display:flex;flex-wrap:wrap;gap:.45rem}
.chips button{border:1px solid var(--bd);background:#fff;padding:.45rem .85rem;border-radius:8px;cursor:pointer;font:inherit;font-size:.9rem}
.chips button.on{background:var(--c1);color:#fff;border-color:var(--c1)}
.btn{display:inline-block;background:var(--c2);color:#fff;padding:.62rem 1.3rem;border:0;border-radius:9px;font:inherit;font-weight:700;cursor:pointer;text-decoration:none;margin-top:1rem}
.btn:hover{background:var(--c1)}
.result{margin-top:1.1rem;padding:1rem;border-radius:10px;background:var(--bg2);border:1px solid var(--bd);display:none}
.result.on{display:block}
.result h4{margin:0 0 .35rem;color:var(--c1)}
footer.site{background:var(--ink);color:#a9bccd;padding:2.4rem 0 1.4rem;font-size:.9rem;margin-top:1rem}
footer.site h4{color:#fff;font-size:.95rem;margin:0 0 .55rem}
footer.site a{color:#bcd3e5;text-decoration:none}
footer.site a:hover{color:#fff;text-decoration:underline}
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1.6rem}
.fgrid ul{list-style:none;margin:0;padding:0}
.fgrid li{margin:.28rem 0}
.fbot{border-top:1px solid #26384a;margin-top:1.6rem;padding-top:1rem;font-size:.8rem;color:#7e93a6}
.updated{font-size:.85rem;color:var(--mut);margin-top:.3rem}
@media(max-width:720px){.toc ol{columns:1}nav.main{width:100%;margin-left:0;overflow-x:auto}.hero{padding:2rem 0 2.2rem}}

/* --- tool pages --- */
.crumbs{font-size:.85rem;color:var(--mut);padding:1rem 0 0}
.crumbs a{color:var(--c1);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.hub-link{background:#eef7fd;border-left:4px solid var(--c2);border-radius:var(--r);padding:.9rem 1.15rem;margin:1.4rem 0;font-size:.95rem}
.hub-link a{color:var(--c1);font-weight:700}
.page-head{background:linear-gradient(160deg,var(--c1),#0a3a63);color:#fff;padding:2rem 0 2.2rem}
.page-head h1{font-size:clamp(1.5rem,3.6vw,2.15rem);margin:.5rem 0 .6rem;line-height:1.2}
.page-head p{color:#d3e5f3;margin:0;max-width:760px}
.tool-wide{max-width:820px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:.9rem}
.out{display:grid;gap:.55rem;margin-top:.9rem}
.out .row{display:flex;justify-content:space-between;gap:1rem;padding:.55rem .75rem;background:#fff;border:1px solid var(--bd);border-radius:9px;font-size:.94rem}
.out .row b{color:var(--c1);white-space:nowrap}
.big{font-size:1.5rem;font-weight:800;color:var(--c1)}
.pinbox{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:1.25rem;letter-spacing:.14em;background:#fff;border:2px dashed var(--bd);border-radius:10px;padding:.9rem;text-align:center;color:var(--ink)}
.mini{font-size:.85rem;color:var(--mut)}
.pill{display:inline-block;padding:.2rem .6rem;border-radius:999px;font-size:.78rem;font-weight:700}
.pill.ok{background:#e4f6ec;color:#0b7a44}.pill.no{background:#fdeaea;color:#b4231d}.pill.warn{background:#fdf3dd;color:#8a6100}
.list-check{list-style:none;padding:0;margin:.8rem 0}
.list-check li{padding-left:1.7rem;position:relative;margin:.4rem 0}
.list-check li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:700}
.list-x li::before{content:"✕";color:var(--danger)}
@media(max-width:640px){.grid2{grid-template-columns:1fr}}