:root{--navy:#111b2b;--navy2:#17273c;--ink:#182337;--muted:#596579;--red:#f3634f;--red2:#e94f3d;--cream:#f6f8fb;--border:#dfe5ed;--white:#fff;--teal:#57d9bd;--shadow:0 14px 45px rgba(15,28,50,.075)}*{box-sizing:border-box}[hidden]{display:none!important}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;font-size:16px;line-height:1.6;background:#fff}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.19;letter-spacing:-.035em}h1{font-size:clamp(2.4rem,5vw,4.5rem)}h2{font-size:clamp(1.6rem,2.4vw,2.3rem)}h3{font-size:1.15rem}a{color:#176c83;text-underline-offset:3px}a:hover{color:#da4f3c}button,input,select{font:inherit}button{cursor:pointer}.shell{width:min(1180px,calc(100% - 40px));margin-inline:auto}.narrow{max-width:860px}.skip-link{position:absolute;top:-70px;left:16px;background:white;padding:12px 18px;z-index:15}.skip-link:focus{top:12px}*:focus-visible{outline:3px solid #37afcb;outline-offset:3px}.site-header{position:relative;z-index:5;background:var(--navy);border-bottom:1px solid #ffffff1d;color:white}.nav-inner{display:flex;align-items:center;min-height:78px;gap:32px}.brand{display:inline-flex;align-items:center;gap:11px;font-size:1.25rem;font-weight:850;color:#fff;text-decoration:none;letter-spacing:-.045em;white-space:nowrap}.brand:hover{color:white}.brand-mark{width:39px;height:39px;display:grid;place-items:center;border-radius:11px;background:var(--red);color:#fff;position:relative;font-size:1.4rem;font-weight:900}.brand-mark span{color:#ffd5a0;position:absolute;right:4px;top:-4px;font-size:1.2rem}.brand-highlight{color:#ff8d7c}.main-nav{display:flex;align-items:center;gap:24px;margin-left:auto}.main-nav a{font-size:.88rem;color:#d5dce5;text-decoration:none;font-weight:650}.main-nav a:hover{color:white}.country-container{display:flex;align-items:center;gap:9px;margin-left:4px}.country-container label{font-size:.73rem;color:#c9d2dd}.country-container select{max-width:156px;background:#25364e;border:1px solid #3d4e66;color:white;border-radius:9px;padding:10px 28px 10px 11px;font-size:.82rem}.menu-toggle{display:none;background:transparent;color:white;border:1px solid #425470;border-radius:9px;width:42px;height:42px;font-size:1.2rem}.hero{background:radial-gradient(ellipse at 81% 38%,#273950 0,transparent 53%),linear-gradient(115deg,#111b2b,#16263c);color:white;padding:88px 0 93px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.1fr .83fr;gap:78px;align-items:center}.eyebrow{font-size:.74rem;letter-spacing:.16em;color:var(--teal);font-weight:800;margin-bottom:17px}.eyebrow.dark{color:#d54d38}.hero h1{font-weight:860;margin:0 0 26px;line-height:1.09}.hero h1 em{font-style:normal;color:#ff9680}.hero p{font-size:1.13rem;color:#cbd4e0;max-width:650px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.btn{display:inline-flex;justify-content:center;align-items:center;text-align:center;gap:10px;text-decoration:none;border:1px solid transparent;border-radius:10px;padding:13px 20px;font-weight:750;font-size:.94rem;min-height:47px}.btn.primary{background:var(--red);color:#1f1e24}.btn.primary:hover{background:#ff8f79}.btn.secondary{background:transparent;color:white;border-color:#617187}.btn.secondary:hover{background:#ffffff17}.btn.reset{background:white;border-color:#d3dae5;color:#334155}.btn.reset:hover{background:#f5f7fa}.hero-facts{display:flex;gap:19px;margin-top:24px;flex-wrap:wrap;font-size:.76rem;color:#c3d3de}.hero-facts span{white-space:nowrap}.hero-panel{border:1px solid #445a72;background:linear-gradient(155deg,#243b53,#18263a);border-radius:20px;box-shadow:0 24px 50px #0003;overflow:hidden;transform:rotate(1deg)}.panel-top{display:flex;align-items:center;gap:10px;border-bottom:1px solid #ffffff20;padding:17px 21px;font-size:.8rem;font-weight:700;color:#d3e4ea}.pulse{display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 4px #57d9bd1c}.panel-count{margin-left:auto;color:#9eb4c8}.panel-main{padding:38px 30px 32px;text-align:center;background:radial-gradient(circle at center,#3d5667 0,transparent 68%)}.panel-icon{font-size:4.7rem;display:block;margin-bottom:18px}.panel-label{font-size:.72rem;font-weight:750;letter-spacing:.17em;color:var(--teal)}.panel-heading{font-size:1.42rem;font-weight:800;max-width:300px;margin:9px auto}.panel-links{padding:0 17px 17px}.panel-links a{display:flex;justify-content:space-between;gap:10px;text-decoration:none;color:#dce6f2;padding:11px 15px;border-top:1px solid #ffffff16;font-size:.9rem}.panel-links a:hover{background:#ffffff14}.section{padding:77px 0}.section.shade{background:var(--cream);border-block:1px solid #ebeff4}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:26px}.section-heading h2{margin-bottom:8px}.section-heading p{color:var(--muted);margin-bottom:0}.text-link{color:#b94131;font-weight:800;text-decoration:none;white-space:nowrap}.tool-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.tool-card{display:flex;flex-direction:column;min-width:0;border:1px solid var(--border);border-radius:14px;padding:23px 22px;text-decoration:none;color:var(--ink);background:white;box-shadow:0 4px 22px #1e293b08;transition:transform .15s,box-shadow .15s,border-color .15s}.tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#f7b3a4;color:var(--ink)}.tool-icon{font-size:1.6rem;display:inline-flex;align-items:center;justify-content:center;width:51px;height:51px;background:#fff1ec;border-radius:12px;margin-bottom:18px}.tool-title{font-size:1.06rem;font-weight:800;margin-bottom:9px;line-height:1.28}.tool-desc{color:var(--muted);font-size:.89rem;margin-bottom:23px;flex:1}.tool-open{font-weight:800;color:#b94c3b;font-size:.85rem}.category-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:13px}.category-card{position:relative;background:#fff;border:1px solid var(--border);border-radius:12px;padding:24px 17px;text-decoration:none;color:var(--ink)}.category-card:hover{border-color:#f89a80;color:var(--ink)}.category-card span{font-weight:800;line-height:1.25;display:block;padding-right:14px}.category-card p{font-size:.83rem;color:var(--muted);margin:10px 0 0}.category-card b{position:absolute;top:15px;right:15px;color:var(--red)}.guide-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:19px}.guide-card{padding:26px;border:1px solid var(--border);border-radius:14px;text-decoration:none;color:var(--ink);background:#fff}.guide-card:hover{box-shadow:var(--shadow);color:var(--ink)}.guide-card h3{font-size:1.3rem;margin:12px 0}.guide-card p{color:var(--muted);font-size:.9rem}.guide-label{font-size:.72rem;letter-spacing:.1em;color:#b34735;font-weight:800}.page-wrap{padding-block:36px 82px;min-height:65vh}.breadcrumbs{display:flex;gap:10px;align-items:center;flex-wrap:wrap;font-size:.79rem;color:#738194;margin-bottom:39px}.breadcrumbs a{color:#58657b;text-decoration:none}.page-heading{margin-bottom:32px;max-width:840px}.page-heading h1{font-size:clamp(2.15rem,4.4vw,3.35rem);margin-bottom:15px}.page-heading p{font-size:1.04rem;color:var(--muted)}.page-heading.compact{margin-bottom:29px}.search-label{display:block;font-size:.9rem;font-weight:750;margin-bottom:8px}.tool-search{display:block;width:100%;max-width:620px;border:1px solid #bbc8d7;border-radius:12px;padding:14px 17px;margin-bottom:10px}.quiet{font-size:.85rem;color:var(--muted)}.more-link{margin-top:30px}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(300px,.85fr);gap:22px;align-items:start}.calculator-card,.result-card{border-radius:16px;box-shadow:var(--shadow);overflow:hidden}.calculator-card{border:1px solid var(--border);background:white}.calc-head{display:flex;align-items:center;gap:15px;border-bottom:1px solid #ebeff4;padding:23px 28px}.calc-head h2{font-size:1.18rem;margin-bottom:5px}.calc-head p{font-size:.87rem;color:var(--muted);margin-bottom:0}.calc-icon{background:#ffede9;width:46px;height:46px;display:grid;place-items:center;font-size:1.4rem;border-radius:11px}.calc-form{padding:25px 28px 30px}.fields-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:17px;row-gap:20px}.field label{display:block;font-size:.83rem;font-weight:750;margin-bottom:7px;color:#344156}.field input,.field select{width:100%;border:1px solid #bbc8d7;color:var(--ink);border-radius:9px;background:#fff;padding:11px 12px;min-height:47px;min-width:0}.field input:focus,.field select:focus{border-color:#2a93b4}.field small{display:block;color:var(--muted)}.form-actions{display:flex;gap:10px;margin-top:27px;flex-wrap:wrap}.form-error{color:#b42318;background:#fff0f0;border:1px solid #f9bbbb;padding:13px 15px;border-radius:9px;margin:18px 0 0;font-size:.89rem}.result-card{background:var(--navy);color:white;padding:27px;position:sticky;top:20px}.result-heading{font-size:.73rem;letter-spacing:.14em;font-weight:850;color:#c7d9e6;display:flex;gap:10px;align-items:center}.result-empty{text-align:center;padding:46px 5px 35px}.result-symbol{font-size:3rem;color:var(--teal)}.result-empty h2{font-size:1.33rem;margin:6px 0 10px}.result-empty p{font-size:.9rem;color:#b9cbd8}.result-note{padding-top:20px;margin:22px 0 0;border-top:1px solid #ffffff28;font-size:.77rem;color:#b6c6d5}.metric-primary{border-bottom:1px solid #ffffff28;padding:28px 0 18px}.metric-label{font-size:.82rem;color:#bdcbd9;font-weight:700}.metric-value{font-size:clamp(1.8rem,3vw,2.5rem);font-weight:850;line-height:1.27;overflow-wrap:anywhere;margin-top:7px}.metric-grid{display:grid;gap:0}.metric-row{display:flex;gap:12px;justify-content:space-between;align-items:baseline;padding:13px 0;border-bottom:1px solid #ffffff14}.metric-row span{font-size:.84rem;color:#b8c6d3}.metric-row strong{font-size:.96rem;text-align:right;max-width:55%;overflow-wrap:anywhere}.result-warning{margin-top:15px;padding:11px 13px;background:#ffb66d1c;border:1px solid #e8b66b85;border-radius:9px;color:#ffe2b9;font-size:.85rem}.editorial{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:32px}.content-panel{border:1px solid var(--border);border-radius:13px;padding:26px 29px;margin-bottom:20px;background:#fff;box-shadow:0 4px 18px #18263a06}.content-panel h2{font-size:1.47rem;margin-bottom:14px}.content-panel h3{font-size:1.04rem;letter-spacing:-.015em;margin:24px 0 9px}.content-panel h2:not(:first-child){margin-top:30px}.content-panel p,.content-panel li{color:#4a5667;line-height:1.76}.content-panel li{margin-bottom:10px}.content-panel ol{padding-left:22px}.faq{border-top:1px solid #edf0f4;padding-top:3px;margin-top:20px}.faq h3{margin-top:15px}.related{margin-top:35px}.related h2{font-size:1.55rem}.site-footer{background:var(--navy);color:white;padding:60px 0 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:55px}.footer-grid p{color:#aebccb;font-size:.9rem;max-width:350px;margin-top:18px}.footer-grid h2{font-size:.95rem;color:#fff;margin-bottom:16px}.footer-grid a:not(.brand){display:block;color:#b2c1ce;text-decoration:none;font-size:.89rem;margin-bottom:11px}.footer-grid a:hover{color:white}.footer-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:9px;border-top:1px solid #ffffff1a;margin-top:45px;padding:20px 0;font-size:.76rem;color:#a5b7c5}@media(max-width:1000px){.nav-inner{gap:17px}.main-nav{gap:13px}.main-nav a{font-size:.8rem}.hero-grid{gap:35px}.country-container label{display:none}.category-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}@media(max-width:760px){.shell{width:min(100% - 30px,1180px)}.nav-inner{flex-wrap:wrap;min-height:70px;gap:12px}.brand{font-size:1.18rem}.menu-toggle{display:grid;place-items:center;margin-left:auto}.country-container{order:1;margin-left:0}.country-container select{max-width:130px;min-height:42px}.main-nav{display:none;order:3;width:100%;margin:0;padding:4px 0 16px;flex-direction:column;align-items:stretch;gap:0}.main-nav.open{display:flex}.main-nav a{font-size:.95rem;padding:11px 7px}.hero{padding:54px 0 65px}.hero-grid{grid-template-columns:1fr;gap:35px}.hero h1{font-size:clamp(2.5rem,9vw,3.7rem)}.hero p{font-size:1rem}.hero-panel{transform:none;max-width:550px;width:100%;margin:auto}.section{padding:55px 0}.section-heading{align-items:start;flex-direction:column}.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.category-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-grid{grid-template-columns:1fr}.page-wrap{padding-top:24px}.breadcrumbs{margin-bottom:25px}.calculator-layout{grid-template-columns:1fr}.result-card{position:static}.editorial{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr;gap:28px}.footer-grid>div:first-child{grid-column:1/-1}}@media(max-width:510px){.shell{width:calc(100% - 26px)}.brand{font-size:1.1rem}.brand-mark{width:35px;height:35px}.nav-inner{column-gap:9px}.country-container select{max-width:108px;font-size:.73rem}.menu-toggle{width:39px;height:39px}.hero h1{font-size:2.45rem}.hero-actions{flex-direction:column}.hero-actions .btn{width:100%}.hero-facts{gap:11px}.hero-panel{border-radius:15px}.panel-main{padding:26px 15px}.section{padding:46px 0}.tool-grid{grid-template-columns:1fr}.tool-card{padding:20px}.category-grid{grid-template-columns:1fr 1fr;gap:10px}.category-card{padding:19px 13px}.category-card span{font-size:.9rem}.category-card p{font-size:.77rem}.page-heading h1{font-size:2.1rem}.calc-head{padding:18px 16px}.calc-form{padding:21px 16px}.fields-grid{grid-template-columns:1fr;gap:16px}.result-card{padding:22px 19px}.content-panel{padding:21px 19px}.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.footer-bottom{flex-direction:column}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.tool-card{transition:none}}

/* Phase 2 authoritative reference content */
.library-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.library-card{display:flex;flex-direction:column;border:1px solid var(--border);border-radius:14px;padding:24px;color:var(--ink);text-decoration:none;min-width:0;background:#fff}.library-card:hover{color:var(--ink);border-color:#f49b89;box-shadow:var(--shadow)}.library-card h2{font-size:1.18rem;overflow-wrap:anywhere;margin:11px 0 10px}.library-card p{font-size:.9rem;flex:1;color:var(--muted)}.library-kicker{color:#b54738;font-size:.76rem;font-weight:800;text-transform:uppercase;letter-spacing:.04em}.library-more{font-size:.85rem;font-weight:800;color:#aa463b}.inline-links{display:flex;gap:12px;flex-wrap:wrap}.inline-links a{padding:10px 12px;border:1px solid var(--border);border-radius:8px;text-decoration:none}.recall-form .field input{width:100%;max-width:100%;border:1px solid #bbc8d7;padding:12px;border-radius:9px;min-width:0}.source-meta{font-weight:700}.recall-entry h3{margin-top:18px}.recall-entry p{overflow-wrap:anywhere}.main-nav{gap:14px}.main-nav a{white-space:nowrap}@media(max-width:760px){.library-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.main-nav a{white-space:normal}}@media(max-width:510px){.library-grid{grid-template-columns:1fr}.recall-form .fields-grid{grid-template-columns:1fr}}@media print{header,footer,.site-header,.site-footer,.form-actions{display:none!important}.result-card{position:static;color:#111;background:#fff;border:1px solid #aaa}.result-card *{color:#111!important}.calculator-layout{display:block}.shell{width:100%}}

/* Final-phase accessibility, editorial layout and opt-in responsive advertisements */
:root{color-scheme:light}html,body{max-width:100%;overflow-x:clip}.page-heading h1,.content-panel h2,.library-card h2{overflow-wrap:anywhere}.main-nav a:focus-visible,.brand:focus-visible{outline-color:#ffcd72}.tool-card:focus-visible,.library-card:focus-visible,.btn:focus-visible{outline-offset:4px}.content-panel a{overflow-wrap:anywhere}.sponsor-slot{margin:35px auto;padding:14px 10px 18px;max-width:1080px;min-height:112px;border-block:1px solid #e8edf2;contain:layout}.sponsor-label{text-align:center;font-size:.68rem;text-transform:uppercase;letter-spacing:.16em;color:#64748b;margin-bottom:12px}.sponsor-slot .adsbygoogle{min-height:90px}.editorial .content-panel{min-width:0}@media(max-width:760px){.sponsor-slot{padding:12px 4px;min-height:96px}.sponsor-slot .adsbygoogle{min-height:60px}.menu-toggle{min-width:44px;min-height:44px}.country-container select{min-height:44px}.main-nav a{min-height:44px;display:flex;align-items:center}}@media(max-width:430px){.page-heading h1{font-size:clamp(1.9rem,8.5vw,2.15rem)}.breadcrumbs{gap:7px}.hero h1{font-size:clamp(2rem,9vw,2.5rem)}.brand{font-size:1.05rem}.nav-inner{gap:7px}.tool-card,.library-card{overflow-wrap:anywhere}}@media print{.sponsor-slot{display:none!important}a{color:#111}}