:root{
  --navy-1:#0b1f3a; --navy-2:#13315c; --navy-3:#1c4078;
  --accent:#f5751f; --accent-text:#b85000; --accent-soft:#ffe9d6;
  --ink:#13243b; --ink-soft:#5b6b80; --line:#e3e8ef;
  --bg:#f4f6f9; --card:#fff;
  --serif:'Spectral',Georgia,serif; --sans:'Figtree',-apple-system,system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.55;-webkit-font-smoothing:antialiased;overflow-x:hidden}
.answer{overflow-wrap:break-word}
a{color:inherit;text-decoration:none}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
header{background:var(--navy-1);position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(255,255,255,.06)}
.nav{display:flex;align-items:center;justify-content:space-between;height:62px}
.brand{font-family:var(--serif);font-weight:800;font-size:24px;color:#fff;letter-spacing:-.5px}
.brand b{color:var(--accent)}
.menu{display:flex;gap:26px}
.menu a{color:#cdd6e3;font-weight:500;font-size:14.5px;display:flex;align-items:center;gap:6px;transition:color .15s}
.menu a:hover{color:#fff}
@media(max-width:820px){.menu{display:none}}
.hero{background:radial-gradient(120% 140% at 50% -10%,var(--navy-3) 0%,var(--navy-2) 42%,var(--navy-1) 100%);color:#fff;text-align:center;padding:84px 0 76px}
.hero h1{font-family:var(--serif);font-weight:800;font-size:clamp(42px,6vw,76px);line-height:1.02;letter-spacing:-1.5px}
.hero h1 .orange{color:var(--accent);display:block}
.hero p{max-width:620px;margin:24px auto 0;color:#aebbcd;font-size:18px}
.pills{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:36px}
.pill{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);color:#e7edf5;padding:11px 20px;border-radius:999px;font-weight:600;font-size:14.5px;display:flex;align-items:center;gap:8px;transition:.15s}
.pill:hover{background:rgba(245,117,31,.16);border-color:var(--accent);transform:translateY(-1px)}
.stats{background:#fff;border-bottom:1px solid var(--line)}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.stat{text-align:center;padding:30px 12px;border-right:1px solid var(--line)}
.stat:last-child{border-right:none}
.stat b{font-family:var(--serif);font-size:34px;font-weight:800;display:block;color:var(--ink)}
.stat span{font-size:11.5px;letter-spacing:1.4px;text-transform:uppercase;color:var(--ink-soft);font-weight:600}
@media(max-width:680px){.stats .wrap{grid-template-columns:repeat(2,1fr)}.stat:nth-child(2){border-right:none}}
.section{padding:60px 0}
.section h2{font-family:var(--serif);font-size:30px;font-weight:700;letter-spacing:-.5px}
.section .lede{color:var(--ink-soft);margin-top:6px;margin-bottom:30px;font-size:16px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:860px){.grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.grid{grid-template-columns:1fr}}
.tcard{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;transition:.16s;position:relative;overflow:hidden;display:block}
.tcard:hover{transform:translateY(-3px);box-shadow:0 14px 34px -18px rgba(19,49,92,.4);border-color:#c9d4e2}
.tcard .ic{font-size:24px}
.tcard h3{font-family:var(--serif);font-size:19px;font-weight:700;margin:12px 0 5px}
.tcard p{color:var(--ink-soft);font-size:14px}
.tcard .go{color:var(--accent-text);font-weight:600;font-size:13.5px;margin-top:14px;display:inline-block}
.tcard .tag{position:absolute;top:14px;right:14px;font-size:10.5px;font-weight:700;letter-spacing:.6px;text-transform:uppercase;background:var(--accent-soft);color:#a84d00;padding:4px 9px;border-radius:6px}
.crumb{font-size:13.5px;color:var(--ink-soft);padding:20px 0 4px}
.crumb a:hover{color:var(--accent-text)}
.draft-banner{background:#fff7ed;border:1px solid #f6d2a8;color:#9a5b1c;border-radius:10px;padding:10px 14px;font-size:13px;margin:14px 0}
.tool-head{padding:6px 0 22px;border-bottom:1px solid var(--line)}
.badge{display:inline-flex;align-items:center;gap:6px;background:#eef3fa;color:var(--navy-2);font-weight:600;font-size:12.5px;padding:6px 12px;border-radius:999px;margin-bottom:14px}
.tool-head h1{font-family:var(--serif);font-size:38px;font-weight:800;letter-spacing:-.8px}
.tool-head .sub{color:var(--ink-soft);font-size:16px;margin-top:8px;max-width:680px}
.intro-note{background:#fff;border-left:3px solid var(--accent);border-radius:8px;padding:16px 18px;margin:24px 0;font-size:14.5px;color:#41526a;box-shadow:0 1px 0 var(--line)}
.cols{display:grid;grid-template-columns:1.35fr 1fr .85fr;gap:22px;align-items:start;padding-bottom:70px}
@media(max-width:980px){.cols{grid-template-columns:1fr}}
.cols-chart{display:grid;grid-template-columns:1.6fr .85fr;gap:22px;align-items:start;padding-bottom:70px}
.cols-chart>*{min-width:0}
@media(max-width:980px){.cols-chart{grid-template-columns:1fr}}
.panel{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px}
.panel-title{font-size:12px;letter-spacing:1.3px;text-transform:uppercase;color:var(--ink-soft);font-weight:700;margin-bottom:16px}
.seg{display:flex;background:#eef1f6;border-radius:10px;padding:4px;gap:4px;margin-bottom:16px}
.seg button{flex:1;border:none;background:transparent;padding:9px;border-radius:7px;font-family:var(--sans);font-weight:600;font-size:14px;color:var(--ink-soft);cursor:pointer;transition:.15s}
.seg button.on{background:#fff;color:var(--navy-2);box-shadow:0 1px 3px rgba(0,0,0,.08)}
.field-row{display:flex;gap:12px;margin-bottom:18px}
.field{flex:1}
.field label{display:block;font-size:12.5px;font-weight:600;color:var(--ink-soft);margin-bottom:6px}
.field select,.field input{width:100%;padding:12px;border:1px solid var(--line);border-radius:9px;font-family:var(--sans);font-size:15px;background:#fbfcfe;color:var(--ink)}
.field select:focus,.field input:focus{outline:none;border-color:var(--accent);background:#fff}
.results{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.rtile{background:#f7f9fc;border:1px solid var(--line);border-radius:10px;padding:14px 10px;text-align:center}
.rtile b{font-family:var(--serif);font-size:26px;font-weight:800;color:var(--navy-2);display:block;line-height:1}
.rtile span{font-size:11px;letter-spacing:1px;text-transform:uppercase;color:var(--ink-soft);font-weight:600;margin-top:7px;display:block}
.rtile.hl{background:var(--accent-soft);border-color:#ffd2ad}
.rtile.hl b{color:var(--accent)}
.variance{margin-top:16px;font-size:13px;color:var(--ink-soft);background:#fff7f0;border:1px dashed #f3c79f;border-radius:9px;padding:11px 13px}
.steps{counter-reset:s;list-style:none}
.steps li{position:relative;padding-left:40px;margin-bottom:18px}
.steps li::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:26px;height:26px;background:var(--navy-2);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:13px}
.steps h4,.steps h3{font-size:15px;font-weight:700;margin-bottom:3px}
.steps p{font-size:13.5px;color:var(--ink-soft)}
.share-box{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;margin-bottom:16px}
.share-box p{font-size:13px;color:var(--ink-soft);margin-bottom:10px}
.share-btn{display:flex;align-items:center;justify-content:center;gap:8px;width:100%;border:1px solid var(--line);border-radius:9px;padding:10px;font-weight:600;font-size:13.5px;background:#fbfcfe;cursor:pointer}
.disclosure{background:#fffaf0;border:1px solid #f6e2bf;border-radius:10px;padding:11px 13px;font-size:12px;color:#8a6d3b;margin-bottom:16px}
.acard{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;margin-bottom:14px}
.acard .lab{font-size:10.5px;letter-spacing:.6px;text-transform:uppercase;color:var(--ink-soft);font-weight:700;margin-bottom:6px;display:flex;align-items:center;gap:5px}
.acard .lab.top{color:var(--accent-text)}
.acard h4,.acard-h{font-family:var(--serif);font-size:17px;font-weight:700;margin-bottom:4px}
.acard p{font-size:13px;color:var(--ink-soft);margin-bottom:12px}
.amz{display:block;text-align:center;background:var(--accent-text);color:#fff;font-weight:700;font-size:13.5px;padding:11px;border-radius:9px;transition:.15s}
.amz:hover{background:#964600}
.chart-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;margin-top:8px;display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
@media(max-width:520px){.chart-table th,.chart-table td{white-space:nowrap}}
.chart-table th,.chart-table td{padding:11px 14px;text-align:center;font-size:14px;border-bottom:1px solid var(--line)}
.chart-table th{background:#f1f5fa;font-weight:700;color:var(--navy-2);font-size:12px;letter-spacing:.5px;text-transform:uppercase}
.chart-table tr:last-child td{border-bottom:none}
.chart-table tr.match td{background:var(--accent-soft);font-weight:700}
.answer{background:var(--navy-1);color:#fff;border-radius:14px;padding:26px;text-align:center;margin:8px 0 4px}
.answer .big{font-family:var(--serif);font-size:30px;font-weight:800}
.answer .big b{color:var(--accent)}
.answer .sub{color:#aebbcd;font-size:14px;margin-top:6px}
.related{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.related a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 14px;font-size:13px;font-weight:600;transition:.15s}
.related a:hover{border-color:var(--accent-text);color:var(--accent-text)}
footer{background:var(--navy-1);color:#8b9bb1;font-size:13px}
.footer-grid{max-width:1200px;margin:0 auto;padding:48px 24px 28px;display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px}
@media(max-width:780px){.footer-grid{grid-template-columns:1fr 1fr;gap:26px}}
@media(max-width:460px){.footer-grid{grid-template-columns:1fr}}
.footer-brand{font-family:var(--serif);font-weight:800;font-size:22px;color:#fff;margin-bottom:10px}
.footer-brand b{color:var(--accent)}
.footer-tag{color:#8b9bb1;font-size:13.5px;line-height:1.6;max-width:320px}
.footer-col h4,.footer-h{color:#fff;font-size:13px;letter-spacing:.5px;text-transform:uppercase;margin-bottom:12px;font-weight:700}
.footer-col a{display:block;color:#aebbcd;font-size:13.5px;margin-bottom:8px;transition:color .15s}
.footer-col a:hover{color:var(--accent-text)}
.footer-base{border-top:1px solid rgba(255,255,255,.08);text-align:center;padding:20px;color:#8b9bb1}
.footer-base b{color:#fff}
.footer-base a{color:#aebbcd}
.footer-base a:hover{color:var(--accent-text)}
.sm-sec{margin-bottom:34px}
.sm-sec h2{font-family:var(--serif);font-size:22px;font-weight:700;margin-bottom:14px;border-bottom:1px solid var(--line);padding-bottom:8px}
.sm-sec h2 a{color:var(--ink)}
.sm-sec h2 a:hover{color:var(--accent-text)}
.sm-list{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:6px 22px}
@media(max-width:780px){.sm-list{grid-template-columns:repeat(2,1fr)}}
@media(max-width:480px){.sm-list{grid-template-columns:1fr}}
.sm-list li{font-size:13.5px}
.sm-list a{color:var(--ink-soft)}
.sm-list a:hover{color:var(--accent-text)}