:root{--navy:#12263A;--blue:#2563EB;--orange:#F59E0B;--ink:#17202A;--muted:#64748B;--bg:#F5F7FA;--card:#fff;--line:#D9E2EC;--shadow:0 12px 35px rgba(18,38,58,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:var(--bg);line-height:1.7}a{text-decoration:none;color:inherit}
.container{width:min(1180px,calc(100% - 28px));margin:auto}.site-header{background:var(--navy);color:white;position:sticky;top:0;z-index:20;box-shadow:0 5px 22px #0002}.header-inner{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:11px;font-weight:800}.brand-name{font-size:1.25rem}.tagline{display:block;font-size:.65rem;letter-spacing:.09em;text-transform:uppercase;color:#b9cad9}.logo-mark{width:42px;height:42px;flex:none;display:block}
.nav{display:flex;gap:22px}.nav a{color:#dce7f1;font-size:.92rem;position:relative;padding:4px 2px}.nav a:after{content:"";position:absolute;left:0;right:100%;bottom:-3px;height:2px;background:var(--orange);transition:right .18s}.nav a:hover:after,.nav a:focus-visible:after{right:0}
.menu{display:none;background:none;color:white;border:1px solid #567087;border-radius:9px;padding:8px 11px;font-size:1.15rem;cursor:pointer}
.hero{padding:72px 0 52px;background-color:#fff;background-image:linear-gradient(rgba(37,99,235,.055) 1px,transparent 1px),linear-gradient(90deg,rgba(37,99,235,.055) 1px,transparent 1px);background-size:26px 26px;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;width:400px;height:400px;right:-160px;top:-160px;border:1px solid #2563eb20;transform:rotate(45deg)}
.eyebrow{color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:.12em;font-size:.75rem}h1{font-size:clamp(2.2rem,5vw,4rem);line-height:1.08;letter-spacing:-.04em;margin:10px 0 18px}h2{font-size:clamp(1.45rem,3vw,2.1rem);line-height:1.2;margin-top:40px}h3{line-height:1.3}.lead{font-size:1.1rem;color:#4c5f72;max-width:850px}
.section{padding:22px 0 62px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:var(--shadow);transition:transform .18s,box-shadow .18s;display:block}.card:hover{transform:translateY(-3px);box-shadow:0 16px 40px rgba(18,38,58,.12)}.icon{font-size:1.6rem}
.tool{display:grid;grid-template-columns:1fr 420px;gap:28px;align-items:start}.calculator{background:#fff;border:1px solid var(--line);border-radius:20px;padding:25px;box-shadow:var(--shadow);position:sticky;top:96px}.form{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field{display:flex;flex-direction:column;gap:5px}.full{grid-column:1/-1}label{font-weight:700;font-size:.88rem}input,textarea{font:inherit;font-size:1rem;padding:11px;border:1px solid #c8d4df;border-radius:10px;width:100%;background:#fff}input:focus,textarea:focus{outline:3px solid #2563eb20;border-color:var(--blue)}
:focus-visible{outline:3px solid var(--orange);outline-offset:2px}
button,.btn{font:inherit;font-weight:800;border:0;border-radius:10px;padding:12px 16px;cursor:pointer;display:inline-block}.primary{background:var(--orange);color:#17202a}.blue{background:var(--blue);color:#fff}.actions{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap}.actions button:not(.primary){background:#e2e9f0;color:var(--ink)}
.result{margin-top:18px;padding:16px;background:#f7fafc;border:1px solid #d7e3ef;border-left:5px solid var(--orange);border-radius:12px}
.example{margin-top:10px;padding:16px;background:#f7fafc;border:1px solid #d7e3ef;border-left:5px solid var(--blue);border-radius:12px}.row{display:flex;justify-content:space-between;gap:12px;border-bottom:1px dashed #cbd5e1;padding:7px 0}.row:last-child{border:0}
.formula{background:#0f2132;color:#e6f0f7;padding:16px;border-radius:12px;font-family:ui-monospace,monospace;overflow:auto}
.note,.warning{padding:15px 18px;border-radius:10px;margin:20px 0}.note{background:#eef5ff;border-left:4px solid var(--blue)}.warning{background:#fff8e7;border-left:4px solid var(--orange)}
.article{max-width:900px;margin:auto}.article li{margin-bottom:7px}
.fieldlist{list-style:none;padding:0;display:grid;gap:10px}.fieldlist li{background:#fff;border:1px solid var(--line);border-left:4px solid var(--blue);border-radius:10px;padding:12px 16px}
.cat{display:inline-block;font-size:.66rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);background:#e8effc;border:1px solid #c7d9f5;border-radius:6px;padding:3px 9px;margin-bottom:10px}.card h3{margin-top:4px}.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}.chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;font-weight:700;font-size:.85rem;color:var(--navy);box-shadow:0 3px 10px rgba(18,38,58,.06);transition:transform .15s,border-color .15s}.chip:hover{border-color:var(--orange);transform:translateY(-1px)}
.tool article,.article{counter-reset:sec}.tool article h2,.article h2{counter-increment:sec}.tool article h2:before,.article h2:before{content:counter(sec,decimal-leading-zero);color:var(--orange);font-size:.7em;font-weight:800;letter-spacing:.08em;margin-right:10px;vertical-align:middle}
footer{background:#0d1d2c;color:#dce7f1;margin-top:60px}.footer{padding:42px 0;display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}.footer-links{display:grid;gap:6px}.footer-links a{color:#b9cad9}.footer-links a:hover{color:#fff}.copy{border-top:1px solid #294158;padding:16px 0;color:#93a8ba;font-size:.84rem}
.breadcrumb{padding:20px 0;color:var(--muted);font-size:.84rem}.breadcrumb a{color:var(--blue)}
@media(max-width:820px){.nav{display:none;position:absolute;top:74px;left:12px;right:12px;background:var(--navy);padding:10px;border:1px solid #294158;border-radius:12px;flex-direction:column;gap:0}.nav.open{display:flex}.nav a{padding:11px;border-bottom:1px solid #294158}.nav a:after{display:none}.menu{display:block}.grid{grid-template-columns:1fr 1fr}.tool{grid-template-columns:1fr}.calculator{position:static}.footer{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.grid,.form,.footer{grid-template-columns:1fr}.container{width:calc(100% - 22px)}.hero{padding:52px 0 38px}h1{font-size:2.25rem}.actions>*{flex:1}.calculator{padding:20px}}