:root{
  --ink:#0f1b2d; --ink2:#3a4a61; --muted:#6b7890; --line:#e2e8f1; --bg:#f6f8fb; --card:#fff;
  --navy:#13315c; --navy2:#1d4e89; --teal:#0e9e8f; --green:#1f9d57; --amber:#b8860b; --red:#c0392b;
  --shadow:0 1px 3px rgba(16,30,55,.06),0 8px 24px rgba(16,30,55,.05); --rad:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.62;font-size:17px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
a{color:var(--navy2);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{line-height:1.2;color:var(--ink);letter-spacing:-.01em}
h1{font-size:2.25rem;margin:.2em 0 .35em}
h2{font-size:1.5rem;margin:1.8em 0 .5em}
h3{font-size:1.16rem;margin:.2em 0 .4em}
p{margin:.6em 0}
.muted{color:var(--muted)}
small,.small{font-size:.86rem}
/* header */
.hd{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hdrow{display:flex;align-items:center;gap:18px;height:64px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--ink)}
.brand:hover{text-decoration:none}
.bmk{background:linear-gradient(135deg,var(--navy),var(--teal));color:#fff;font-weight:800;font-size:.8rem;letter-spacing:.04em;padding:6px 9px;border-radius:8px}
.bnm{font-size:1.02rem}
.nav{margin-left:auto;display:flex;gap:6px;flex-wrap:wrap}
.nav a{color:var(--ink2);font-weight:600;font-size:.93rem;padding:8px 11px;border-radius:8px}
.nav a:hover{background:var(--bg);text-decoration:none;color:var(--navy)}
.navtog{display:none;margin-left:auto;font-size:1.4rem;background:none;border:0;cursor:pointer;color:var(--ink)}
/* hero */
.hero{background:linear-gradient(160deg,#0f2747,#13315c 55%,#0e6a72);color:#fff;padding:54px 0 40px}
.hero h1{color:#fff;max-width:18ch}
.hero p.lede{font-size:1.18rem;color:#d7e6f5;max-width:60ch}
.badges{display:flex;gap:8px;flex-wrap:wrap;margin:14px 0 4px}
.badge{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);color:#eaf3fb;font-size:.82rem;font-weight:600;padding:5px 10px;border-radius:999px}
/* layout */
section.s{padding:30px 0}
.grid{display:grid;gap:16px}
.g2{grid-template-columns:1fr 1fr}.g3{grid-template-columns:1fr 1fr 1fr}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--rad);padding:20px;box-shadow:var(--shadow)}
.cardl{display:block;color:inherit;transition:transform .12s,box-shadow .12s}
.cardl:hover{text-decoration:none;transform:translateY(-2px);box-shadow:0 10px 30px rgba(16,30,55,.10);border-color:#cfdcec}
.card h3{color:var(--navy)}
.btn{display:inline-block;background:var(--navy2);color:#fff;font-weight:700;padding:13px 22px;border-radius:10px;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--navy);text-decoration:none}
.btn.alt{background:var(--teal)}.btn.alt:hover{background:#0c8a7d}
.btn.ghost{background:#fff;color:var(--navy);border:1.5px solid #cfdcec}
.btnrow{display:flex;gap:12px;flex-wrap:wrap;margin:16px 0}
/* tool */
.tool{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:24px;margin:8px 0}
.field{margin:14px 0}
.field label{display:block;font-weight:600;margin-bottom:6px;font-size:.96rem}
.field .hint{font-weight:400;color:var(--muted);font-size:.85rem}
input[type=number],input[type=text],select{width:100%;padding:11px 12px;border:1.5px solid var(--line);border-radius:9px;font-size:1rem;background:#fff;color:var(--ink)}
input:focus,select:focus{outline:none;border-color:var(--navy2)}
.seg{display:flex;gap:8px;flex-wrap:wrap}
.seg button{flex:1;min-width:90px;padding:11px;border:1.5px solid var(--line);background:#fff;border-radius:9px;font-weight:600;cursor:pointer;color:var(--ink2)}
.seg button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.q{border:1px solid var(--line);border-radius:11px;padding:14px 16px;margin:10px 0}
.q .qt{font-weight:600}
.q .seg{margin-top:9px}
.verdict{border-radius:14px;padding:20px;margin:14px 0;border:1.5px solid}
.verdict.yes{background:#eafaf1;border-color:#bce8cf;color:#155e34}
.verdict.no{background:#fdecea;border-color:#f5c6c0;color:#8e2a1d}
.verdict.maybe{background:#fff6e6;border-color:#f3dca0;color:#7a5a06}
.verdict h3{margin:0 0 6px;color:inherit;font-size:1.3rem}
.result{display:flex;gap:18px;flex-wrap:wrap;margin-top:10px}
.result .big{font-size:2rem;font-weight:800;color:var(--navy)}
.kpi{background:var(--bg);border:1px solid var(--line);border-radius:11px;padding:14px 16px;min-width:150px;flex:1}
.kpi .l{font-size:.82rem;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.03em}
.kpi .v{font-size:1.6rem;font-weight:800;color:var(--ink)}
/* content */
.prose{max-width:760px}
.prose ul,.prose ol{padding-left:1.2em}
.prose li{margin:.35em 0}
table.t{width:100%;border-collapse:collapse;margin:14px 0;font-size:.96rem;background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden}
table.t th,table.t td{text-align:left;padding:11px 13px;border-bottom:1px solid var(--line);vertical-align:top}
table.t th{background:#eef3f9;font-size:.85rem;text-transform:uppercase;letter-spacing:.03em;color:var(--ink2)}
table.t tr:last-child td{border-bottom:0}
.src{display:inline-block;font-size:.74rem;font-weight:700;color:var(--navy2);background:#eef3fb;border:1px solid #d8e6f5;border-radius:6px;padding:1px 6px;margin:0 2px;vertical-align:middle}
.src:hover{background:#e0ecfa;text-decoration:none}
.flag{display:flex;gap:10px;background:#fff8e8;border:1px solid #f0dca6;border-left:4px solid var(--amber);border-radius:10px;padding:13px 15px;margin:14px 0;font-size:.96rem}
.flagi{color:var(--amber);font-size:1.1rem;line-height:1.3}
.note{background:#eef6ff;border:1px solid #cfe2f7;border-left:4px solid var(--navy2);border-radius:10px;padding:13px 15px;margin:14px 0}
.pill{display:inline-block;font-size:.78rem;font-weight:700;padding:3px 9px;border-radius:999px;margin:2px}
.pill.y{background:#eafaf1;color:#1f9d57;border:1px solid #bce8cf}
.pill.n{background:#fdecea;color:#c0392b;border:1px solid #f5c6c0}
.crumb{font-size:.85rem;color:var(--muted);margin:18px 0 0}
.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:16px 0}
.toc a{display:inline-block;margin:3px 10px 3px 0;font-size:.92rem}
.faqq{border-bottom:1px solid var(--line);padding:14px 0}
.faqq h3{margin:0 0 4px;font-size:1.06rem}
.discl{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);padding:16px 20px;margin-top:24px;max-width:1080px}
.discl a{color:var(--navy2)}
/* footer */
.ft{background:#0f1b2d;color:#c7d2e0;margin-top:20px;padding:34px 0 26px}
.ft a{color:#c7d2e0}.ft a:hover{color:#fff}
.ftcols{display:grid;grid-template-columns:1.3fr 2fr;gap:30px}
.ftbrand{font-weight:800;color:#fff;font-size:1.05rem;margin-bottom:6px}
.ftnav{display:grid;grid-template-columns:1fr 1fr 1fr;gap:6px 14px;font-size:.9rem}
.ftbar{border-top:1px solid #24344b;margin-top:22px;padding-top:14px;font-size:.82rem}
.ft .muted{color:#8da0bb}
@media(max-width:780px){
  body{font-size:16px}
  h1{font-size:1.8rem}
  .nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;border-bottom:1px solid var(--line);padding:8px 14px;gap:2px}
  body.navopen .nav{display:flex}
  .navtog{display:block}
  .g2,.g3,.ftcols,.ftnav{grid-template-columns:1fr}
}