:root{
  --bg:#f4f3ef;--paper:#ffffff;--ink:#17211b;--muted:#657069;--line:#dfe2dc;
  --green:#1f5d45;--green-dark:#164532;--green-soft:#e5f0e9;--gold:#ab7b2e;
  --gold-soft:#f5ecda;--blue-soft:#edf3f5;--warn:#fff5d9;--danger:#8e3e32;
  --shadow:0 18px 48px rgba(25,42,32,.09);--radius:19px;--max:1160px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;overflow-x:hidden}
body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65;overflow-x:hidden;overflow-wrap:anywhere;-webkit-text-size-adjust:100%}
a{color:var(--green);text-decoration:none}a:hover{text-decoration:underline}
img,svg,video,iframe{max-width:100%;height:auto}
button,input,select{font:inherit}
.wrap{width:min(var(--max),calc(100% - 32px));margin-inline:auto;min-width:0}
.site-header{position:sticky;top:0;z-index:50;background:rgba(244,243,239,.95);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:22px;position:relative}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:900;letter-spacing:-.03em;white-space:nowrap}
.mark{width:38px;height:38px;display:grid;place-items:center;border-radius:12px;background:var(--green);color:#fff;font-size:19px;box-shadow:0 8px 20px rgba(31,93,69,.2)}
.navlinks{display:flex;gap:18px;align-items:center;font-size:14px}.navlinks a{color:var(--ink);font-weight:650}
.menu{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:8px 12px;min-height:40px;cursor:pointer}
.breadcrumb{font-size:13px;color:var(--muted);padding-top:20px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.breadcrumb a{color:var(--muted)}
.hero{padding:58px 0 42px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);gap:42px;align-items:center}.hero-grid>*{min-width:0}
.eyebrow{display:inline-flex;background:var(--green-soft);color:var(--green);padding:7px 11px;border-radius:999px;font-size:13px;font-weight:850;margin-bottom:16px}
h1,h2,h3{line-height:1.14;letter-spacing:-.035em;margin:0 0 15px}h1{font-size:clamp(40px,5.25vw,66px)}h2{font-size:clamp(28px,3.1vw,40px)}h3{font-size:21px}
.lead{font-size:19px;color:var(--muted);max-width:760px}.chips{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px}.chip{background:#fff;border:1px solid var(--line);padding:7px 10px;border-radius:999px;font-size:13px}
.calculator{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px;min-width:0;width:100%}
.calc-head{display:flex;justify-content:space-between;gap:12px;align-items:start;margin-bottom:18px}.calc-head h2,.calc-head h3{margin:0}.badge{font-size:11px;font-weight:850;background:var(--gold-soft);color:#6d4c17;padding:6px 9px;border-radius:999px;white-space:nowrap}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:13px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.field{display:flex;flex-direction:column;gap:6px;min-width:0}.field.full{grid-column:1/-1}
label{font-size:13px;font-weight:760}.hint{font-size:11px;color:var(--muted)}
input,select{width:100%;max-width:100%;min-width:0;border:1px solid #cbd1cb;background:#fff;border-radius:11px;padding:12px 13px;color:var(--ink)}
input:focus,select:focus{outline:3px solid rgba(31,93,69,.13);border-color:var(--green)}
.primary{border:0;background:var(--green);color:#fff;border-radius:12px;padding:13px 16px;font-weight:850;width:100%;min-height:49px;margin-top:16px;cursor:pointer;touch-action:manipulation}.primary:hover{background:var(--green-dark)}
.secondary{display:inline-flex;align-items:center;justify-content:center;border:1px solid #abc1b2;background:#fff;color:var(--green);border-radius:11px;padding:10px 13px;font-weight:800;min-height:42px;cursor:pointer}.secondary:hover{background:#f5faf6;text-decoration:none}
.result{display:none;margin-top:16px;background:var(--green-soft);padding:17px;border-radius:13px}.result.show{display:block}.result .value{font-size:30px;line-height:1.15;font-weight:900;letter-spacing:-.04em;color:#123a29}.result small{display:block;color:#536158;margin-top:7px}
.result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px;margin-top:13px}.result-kpi{background:#fff;border:1px solid #bad0c0;border-radius:10px;padding:11px}.result-kpi b{display:block;font-size:17px}.result-kpi span{font-size:11px;color:var(--muted)}
.note{margin-top:14px;padding:13px 14px;background:var(--warn);border:1px solid #ead89d;border-radius:12px;font-size:13px;color:#574d31}
.section{padding:54px 0}.section.white{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:790px;margin-bottom:26px}.section-head p{color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;min-width:0}.card p{color:var(--muted);margin:0}.card a.more{display:inline-block;margin-top:13px;font-weight:800}
.card.featured{border-color:#a9c2b0;background:linear-gradient(145deg,#fff,#f1f7f3)}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:34px;align-items:start}.content-grid>*{min-width:0}
.prose{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px}.prose p,.prose li{color:#38443c}.prose h2{font-size:30px;margin-top:36px}.prose h3{margin-top:26px}.prose ul,.prose ol{padding-left:22px}
.toc{position:sticky;top:92px;background:#fff;border:1px solid var(--line);border-radius:15px;padding:18px}.toc strong{display:block;margin-bottom:8px}.toc a{display:block;font-size:13px;color:#4a574e;padding:5px 0}
.callout{background:#f4f8f5;border-left:4px solid var(--green);padding:15px 16px;border-radius:0 12px 12px 0;margin:20px 0}.callout.warn{background:#fff8e7;border-left-color:var(--gold)}
.formula{font-size:19px;font-weight:900;text-align:center;background:#f7f5ef;border:1px solid var(--line);padding:17px;border-radius:13px;margin:20px 0;overflow:auto}
.table-wrap{overflow-x:auto;max-width:100%;-webkit-overflow-scrolling:touch}.table{border-collapse:collapse;width:100%;font-size:14px}.table th,.table td{padding:11px 9px;border-bottom:1px solid var(--line);text-align:left;white-space:nowrap}.table th{background:#f7f6f1}
.faq{padding:16px 0;border-top:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:830}.faq p{margin-bottom:0}
.sources{background:#f7f6f1;border:1px solid var(--line);border-radius:13px;padding:15px;font-size:13px;margin-top:24px}.sources ul{margin:7px 0 0;padding-left:20px}
.site-footer{margin-top:58px;background:#153c2b;color:#eaf1ec;padding:42px 0 28px}.footer-grid{display:grid;grid-template-columns:1.35fr 1fr 1fr;gap:28px}.site-footer a{color:#eaf1ec}.footer-grid p{color:#bdcbc1}.fine{margin-top:26px;padding-top:18px;border-top:1px solid rgba(255,255,255,.14);font-size:12px;color:#a8bbaa}
.quick-actions{display:flex;flex-wrap:wrap;gap:9px;margin-top:16px;padding-top:15px;border-top:1px solid var(--line)}.quick-actions-label{width:100%;font-size:12px;font-weight:850;color:var(--muted);text-transform:uppercase;letter-spacing:.055em}.quick-action{display:inline-flex;align-items:center;justify-content:center;gap:6px;min-height:40px;padding:9px 12px;border:1px solid #b9c9bc;background:#f7fbf6;border-radius:11px;color:var(--green);font-size:13px;font-weight:820;text-decoration:none}.quick-action:hover{background:var(--green-soft);text-decoration:none}
.result-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:13px}.result-action{display:inline-flex;align-items:center;justify-content:center;padding:10px 12px;border-radius:10px;background:#fff;color:var(--green);border:1px solid #afc5b4;font-weight:820;font-size:13px;text-decoration:none}.result-action:hover{background:#f7fbf6;text-decoration:none}
.next-step{margin:30px 0 6px;padding:20px;border:1px solid #bfd0c1;background:linear-gradient(135deg,#f5faf4,#edf5ef);border-radius:16px}.next-step-head{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;margin-bottom:13px}.next-step h3{margin:0;font-size:21px}.next-step p{margin:5px 0 0;color:var(--muted)}.next-step-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:9px}.next-step-link{display:flex;flex-direction:column;justify-content:center;min-height:72px;padding:12px 13px;border:1px solid #cbd8cc;background:#fff;border-radius:12px;text-decoration:none}.next-step-link:hover{border-color:#89a78e;box-shadow:0 6px 18px rgba(37,50,39,.06);text-decoration:none}.next-step-link strong{font-size:14px;color:var(--ink);line-height:1.25}.next-step-link span{font-size:12px;color:var(--muted);margin-top:4px}
.editorial-meta{display:flex;flex-wrap:wrap;gap:8px 16px;align-items:center;margin:0 0 24px;padding:12px 14px;border:1px solid var(--line);background:#fbfcf8;border-radius:13px;font-size:12px;color:var(--muted)}.editorial-meta strong{color:var(--ink)}.editorial-meta a{font-weight:800}
.trust-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:20px 0}.trust-item{padding:16px;border:1px solid var(--line);border-radius:14px;background:#f9faf6}.trust-item strong{display:block;margin-bottom:5px}.trust-item span{font-size:13px;color:var(--muted)}
.checklist{list-style:none;padding-left:0!important}.checklist li{position:relative;padding:9px 0 9px 28px;border-bottom:1px solid var(--line)}.checklist li:before{content:"✓";position:absolute;left:0;top:9px;color:var(--green);font-weight:900}
.author-box{margin:28px 0 0;padding:17px;border:1px solid var(--line);border-radius:14px;background:#f7f8f4}.author-box strong{display:block;margin-bottom:4px}
.progress{height:8px;background:#e7eae5;border-radius:999px;overflow:hidden;margin:11px 0}.progress>span{display:block;height:100%;background:var(--green);border-radius:999px;width:0}
.range-row{display:grid;grid-template-columns:1fr auto;align-items:center;gap:10px}.range-value{font-size:13px;font-weight:800;color:var(--green)}
@media(max-width:980px){.hero-grid,.content-grid{grid-template-columns:1fr}.hero{padding:42px 0 30px}.hero-grid{gap:26px}.toc{display:none}.cards{grid-template-columns:repeat(2,minmax(0,1fr))}.calculator{max-width:760px}.next-step-links{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:760px){
  .wrap{width:min(100% - 24px,var(--max))}.nav{min-height:62px;gap:10px}.brand{font-size:15px;min-width:0}.mark{width:32px;height:32px;border-radius:9px;flex:0 0 auto}.navlinks{display:none}.menu{display:block}.nav.open .navlinks{display:flex;position:absolute;top:58px;left:0;right:0;background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:2px;max-height:calc(100vh - 80px);overflow:auto}.nav.open .navlinks a{display:block;padding:11px 12px;border-radius:9px}.nav.open .navlinks a:hover{background:#f4f6f2;text-decoration:none}.breadcrumb{padding-top:14px}
  h1{font-size:clamp(34px,10vw,46px);letter-spacing:-.045em}h2{font-size:clamp(25px,7.5vw,34px)}.prose h2{font-size:27px}.lead{font-size:17px}.hero{padding:32px 0 25px}.hero-grid{gap:20px}.chips{gap:7px;margin-top:16px}.chip{font-size:12px}
  .calculator{padding:18px;border-radius:15px}.calc-head{flex-wrap:wrap;align-items:center}.calc-head h2,.calc-head h3{font-size:22px}.grid2,.grid3{grid-template-columns:1fr}.field.full{grid-column:auto}input,select{font-size:16px;min-height:46px}.primary{font-size:16px;min-height:50px}.result .value{font-size:27px}.result-grid{grid-template-columns:1fr}
  .section{padding:38px 0}.prose{padding:20px;border-radius:15px}.prose ul,.prose ol{padding-left:20px}.cards,.footer-grid,.trust-grid{grid-template-columns:1fr}.section-head{margin-bottom:20px}.card{padding:17px}.table{font-size:13px;min-width:560px}.table-wrap{margin-inline:-4px;padding-bottom:5px}.formula{font-size:17px;padding:14px 10px}.sources{font-size:12px;padding:13px}
  .quick-actions{gap:7px}.quick-action{flex:1 1 calc(50% - 7px);padding:10px 9px}.next-step{padding:17px;margin:24px 0 4px}.next-step-head{display:block}.next-step-links{grid-template-columns:1fr}.next-step-link{min-height:64px}.result-actions{display:grid;grid-template-columns:1fr}.result-action{min-height:44px}.site-footer{margin-top:38px;padding-top:34px}.editorial-meta{gap:6px 10px;margin-bottom:18px}
}
@media(max-width:390px){.wrap{width:calc(100% - 18px)}.brand{font-size:14px}.mark{width:30px;height:30px}h1{font-size:32px}.calculator,.prose{padding:16px}.quick-action{flex-basis:100%}}