:root{--brand:#2563eb;--brand-deep:#0f4c81;--ink:#172033;--muted:#5f6b7a;--line:#dfe5ec;--paper:#fff;--wash:#f4f7fb;--warm:#fff9ed}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--wash);color:var(--ink);font:17px/1.72 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}
a{color:var(--brand-deep);text-underline-offset:3px}img{display:block;max-width:100%}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.nav-shell{max-width:1180px;margin:auto;padding:13px 22px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{font-size:23px;font-weight:900;letter-spacing:-.035em;text-decoration:none;color:var(--ink)}.brand span{color:var(--brand)}
.tagline{font-size:13px;font-weight:700;color:var(--muted)}.site-nav{display:flex;gap:18px;font-size:14px;font-weight:750}.site-nav a{text-decoration:none;color:var(--ink)}
.top-ad-shell{max-width:1040px;margin:10px auto 18px;padding:0 18px}
.page-shell{width:min(1180px,calc(100% - 32px));margin:0 auto 64px;display:grid;grid-template-columns:minmax(0,780px) 326px;gap:34px;align-items:start;justify-content:center}.page-shell.interactive{grid-template-columns:minmax(0,780px)}
.content-column{min-width:0}.article-card{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:clamp(24px,5vw,58px);box-shadow:0 18px 52px rgba(15,35,65,.07)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--brand-deep);font-size:12px;font-weight:900;letter-spacing:.14em;text-transform:uppercase}.eyebrow:before{content:"";width:28px;height:3px;border-radius:2px;background:var(--brand)}
h1{max-width:18ch;font-size:clamp(36px,5.8vw,62px);line-height:1.02;letter-spacing:-.045em;margin:.28em 0 .32em}.dek{max-width:64ch;font-size:clamp(19px,2.2vw,23px);line-height:1.5;color:var(--muted);margin:0 0 30px}
.article-body{max-width:72ch}.article-body section{scroll-margin-top:80px}.article-body h2{font-size:clamp(25px,3.2vw,34px);line-height:1.17;letter-spacing:-.025em;margin:2.05em 0 .65em}.article-body p{margin:0 0 1.18em}
.editorial-figure{margin:32px 0}.editorial-figure img{width:100%;height:auto;border-radius:16px;background:#e9eef5;box-shadow:0 12px 32px rgba(15,35,65,.09)}
.editorial-figure.hero{margin-top:18px}.editorial-figure figcaption{font-size:13px;line-height:1.45;color:var(--muted);margin-top:9px}
.section-citations{font-size:13px;color:var(--muted);padding-top:2px}.section-citations a{word-break:break-word}
.notice,.references{margin-top:34px;padding:20px 22px;border-radius:14px;background:#eef5ff;border-left:5px solid var(--brand);font-size:14.5px}.notice strong,.references strong{font-size:15px}.notice ul,.references ul{padding-left:20px;margin-bottom:0}.references a{overflow-wrap:anywhere}
.tool{margin:34px 0 42px;padding:clamp(20px,4vw,32px);border:1px solid #bfcee0;border-radius:18px;background:linear-gradient(180deg,#fff,#f4f8fd);box-shadow:0 16px 40px rgba(15,35,65,.08)}.field{margin:16px 0}
label{display:block;font-weight:750;margin-bottom:6px}input[type=number],input[type=date],input[type=text],input[type=file],input[type=color]{width:100%;padding:13px 14px;border:1px solid #9daec2;border-radius:9px;background:#fff;color:var(--ink);font:inherit}
input[type=number]:focus,input[type=date]:focus,input[type=text]:focus,input[type=file]:focus,input[type=color]:focus{outline:3px solid rgba(37,99,235,.22);border-color:var(--brand)}
.tool canvas{max-width:100%;cursor:crosshair;border-radius:12px;margin-top:12px;background:#eef3f8}
button{border:0;border-radius:10px;padding:14px 22px;background:var(--brand);color:#fff;font:800 17px/1 system-ui;cursor:pointer}button:hover{background:var(--brand-deep)}button:focus-visible{outline:3px solid #fbbf24;outline-offset:3px}a.calc-back{display:inline-block;margin-top:12px;border-radius:10px;padding:14px 22px;background:var(--brand);color:#fff;font:800 17px/1 system-ui;text-decoration:none}a.calc-back:hover{background:var(--brand-deep)}
.result{margin-top:20px;padding:17px;background:#e7f0ff;border-radius:11px;min-height:58px;font-weight:700}.question{padding:22px 0;border:0;border-bottom:1px solid var(--line)}.question legend{line-height:1.4}
.option{display:block;margin:10px 0;padding:8px 10px;border-radius:8px;font-weight:450}.option:hover{background:#eef5ff}.option input{margin-right:7px}
.rail{min-width:300px;width:326px}.rail-sticky{position:static}.rail-card{border:1px solid var(--line);border-radius:16px;background:#fff;padding:18px;margin-bottom:18px}.rail-card h2{font-size:15px;letter-spacing:.08em;text-transform:uppercase;margin:0 0 12px}.rail-card ul{margin:0;padding-left:19px}.rail-card li{margin:8px 0;font-size:14px}.ez-scroll-rail{width:100%;min-width:300px;min-height:1500px}
.adbox{width:100%;max-width:100%;margin:36px auto;padding:12px;text-align:center;display:flex;flex-direction:column;align-items:center;justify-content:center;overflow:hidden}
.adbox.topad{min-height:112px;margin:0}.adbox.content-ad{min-height:280px;border-top:1px solid #edf1f5;border-bottom:1px solid #edf1f5}.adbox.in-tool{min-height:250px;margin:14px 0}.adbox.above-submit{min-height:250px;margin:16px 0 12px}
.adlabel{font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:#8994a3;margin-bottom:8px}.adbox.filled{padding:0;border-color:transparent;background:transparent}.filled>.adlabel{display:none}
.ez-rewarded-wrap{margin:28px 0;padding:18px 20px;border:1px dashed #9ab5db;border-radius:14px;background:#f6f9ff}.ez-rewarded-cta{margin-top:8px}
.related{margin-top:42px;padding-top:28px;border-top:1px solid var(--line)}.related h2{font-size:21px;margin:0 0 14px}.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.related a{display:block;border:1px solid var(--line);border-radius:12px;padding:13px;text-decoration:none;font-size:14px;font-weight:750;line-height:1.35;background:#fff}.related a:hover{border-color:#9ab5db;background:#f6f9ff}
.site-index{list-style:none;margin:24px 0 0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.site-index li{border:1px solid var(--line);border-radius:13px;background:#fff;padding:15px}.site-index a{font-weight:800;text-decoration:none}.site-index small{display:block;color:var(--muted);margin-top:4px}
.site-footer{border-top:1px solid var(--line);background:#fff;color:var(--muted);padding:34px 20px 48px;text-align:center;font-size:13px}.site-footer strong{color:var(--ink)}
@media(max-width:980px){.page-shell{grid-template-columns:minmax(0,780px)}.rail{display:none}.article-card{border-radius:18px}}
@media(max-width:640px){body{font-size:16px}.nav-shell{padding:11px 16px}.tagline,.site-nav{display:none}.top-ad-shell{padding:0 8px;margin-bottom:10px}.page-shell{width:100%;margin-bottom:30px}.article-card{border-left:0;border-right:0;border-radius:0;padding:25px 19px 42px;box-shadow:none}h1{font-size:clamp(34px,11vw,49px)}.dek{font-size:19px}.editorial-figure{margin:26px -4px}.related-grid,.site-index{grid-template-columns:1fr}.adbox.content-ad{margin:30px auto;min-height:270px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}