:root{--ink:#17212b;--muted:#5c6975;--line:#dbe2e8;--paper:#fff;--soft:#f5f8fa;--blue:#1769aa;--green:#16794a;--gold:#9b6b00;--red:#a13f3f;--max:980px}
*{box-sizing:border-box}body{margin:0;background:#fff;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65}a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:2px}header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:3}.nav{max-width:1120px;margin:auto;padding:14px 20px;display:flex;gap:22px;align-items:center;flex-wrap:wrap}.brand{font-weight:900;color:var(--ink);text-decoration:none;font-size:1.15rem}.nav a:not(.brand){color:#33424f;text-decoration:none;font-size:.94rem}main{max-width:var(--max);margin:auto;padding:48px 22px 80px}.eyebrow{font-size:.82rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--blue)}h1{font-size:clamp(2rem,4vw,3.3rem);line-height:1.06;margin:.35rem 0 1rem;letter-spacing:-.035em}h2{font-size:1.65rem;line-height:1.2;margin-top:2.3rem}h3{font-size:1.18rem;margin-top:1.7rem}.dek{font-size:1.18rem;color:#40505d;max-width:780px}.meta{color:var(--muted);font-size:.9rem}.disclosure,.note,.warning,.answer{border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin:22px 0}.disclosure{background:#fafcff;font-size:.9rem}.answer{background:#eef7f2;border-color:#c9e5d5}.warning{background:#fff7ec;border-color:#ead7b2}.note{background:#f7f9fb}.answer strong{display:block;margin-bottom:5px}.tool{border:1px solid #cfd9e2;border-radius:18px;padding:22px;margin:28px 0;background:linear-gradient(180deg,#fbfdff,#f5f8fb);box-shadow:0 8px 24px rgba(23,33,43,.05)}.tool h2,.tool h3{margin-top:0}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px}.field label{display:block;font-size:.84rem;font-weight:800;margin-bottom:5px}.field input,.field select{width:100%;padding:11px 12px;border:1px solid #b9c5cf;border-radius:9px;background:white;font:inherit}.btn{display:inline-block;border:0;border-radius:10px;padding:11px 16px;background:#17212b;color:#fff;font-weight:800;cursor:pointer;margin-top:14px}.result{margin-top:16px;border-top:1px solid var(--line);padding-top:16px}.result strong.big{font-size:1.55rem;display:block}.bars{display:grid;gap:10px;margin:18px 0}.barrow{display:grid;grid-template-columns:minmax(130px,220px) 1fr 90px;gap:10px;align-items:center;font-size:.9rem}.bartrack{height:18px;background:#e8eef2;border-radius:999px;overflow:hidden}.barfill{height:100%;background:#466e8e;border-radius:999px}.barfill.green{background:#3c8062}.barfill.gold{background:#9b7b31}table{width:100%;border-collapse:collapse;margin:18px 0 28px;font-size:.93rem}th,td{border-bottom:1px solid var(--line);padding:11px 10px;text-align:left;vertical-align:top}th{background:#f5f8fa;font-size:.82rem;text-transform:uppercase;letter-spacing:.03em}.scroll{overflow-x:auto}.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;margin:20px 0}.kpi{border:1px solid var(--line);border-radius:14px;padding:16px}.kpi b{display:block;font-size:1.5rem}.decision{display:grid;gap:10px;margin:18px 0}.decision div{border-left:4px solid #4f718c;background:#f7f9fb;padding:12px 14px}.sources{font-size:.92rem}.sources li{margin:8px 0}.faq details{border-top:1px solid var(--line);padding:14px 0}.faq summary{font-weight:800;cursor:pointer}.keep{background:#f5f8fa;border-radius:16px;padding:18px 20px;margin-top:34px}.tag{display:inline-block;background:#edf2f5;border-radius:999px;padding:4px 9px;font-size:.78rem;margin:2px 5px 2px 0}.mini-chart{border:1px solid var(--line);border-radius:14px;padding:18px;margin:20px 0}.chart-note{color:var(--muted);font-size:.83rem}.formula{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;background:#f2f5f7;padding:12px;border-radius:10px;overflow-x:auto}.checklist label{display:block;padding:7px 0}.small{font-size:.85rem;color:var(--muted)}footer{border-top:1px solid var(--line);padding:28px 20px 50px;color:var(--muted);font-size:.87rem}.footer-inner{max-width:var(--max);margin:auto}.print-only{display:none}@media print{header,.btn,footer{display:none}.print-only{display:block}main{padding:0}.tool{box-shadow:none}}