:root{--blue:#0369A1;--blue-d:#0C4A8A;--navy:#0B2A4A;--sky1:#E0F2FE;--sky2:#BAE6FD;--sky3:#7DD3FC;--ink:#1F2937;--muted:#4B5563;--line:#D5E3F0;--bg:#F4FAFF;--card:#fff;--orange:#C2410C;--orange-d:#9A3412;--cta:#2EA3F2}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.7 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto}
a{color:var(--blue-d);text-underline-offset:3px}
a:hover{color:var(--navy)}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
.narrow{max-width:800px;margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-999px;top:0;background:#fff;color:var(--navy);padding:8px 12px;z-index:100}
.skip:focus{left:8px;top:8px}
/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:19px}
.brand img{width:40px;height:40px;border-radius:10px}
.nav{display:flex;gap:4px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
.nav a{display:block;padding:8px 10px;border-radius:8px;text-decoration:none;color:var(--ink);font-size:15px;font-weight:600}
.nav a:hover,.nav a[aria-current="page"]{background:var(--sky1);color:var(--navy)}
.burger{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:46px;height:42px;cursor:pointer;padding:0;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.burger span{display:block;width:22px;height:3px;background:var(--navy);border-radius:2px}
@media(max-width:859px){
.burger{display:flex}
.nav{display:none;position:absolute;left:0;right:0;top:64px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;padding:8px 18px 14px;z-index:30;box-shadow:0 12px 24px rgba(11,42,74,.12)}
.nav.open{display:flex}
.nav a{padding:12px 8px;font-size:16px}
.site-header{position:relative}
}
/* breadcrumb */
.crumbs{font-size:14px;color:var(--muted);padding:14px 0 0}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li:before{content:"›";margin-right:6px;color:var(--muted)}
.crumbs a{color:var(--blue-d)}
/* page */
.page-head{padding:22px 0 8px}
h1{font-size:clamp(26px,4.2vw,40px);line-height:1.2;margin:0 0 10px;color:var(--navy);letter-spacing:-.01em}
.upd{display:inline-block;font-size:14px;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:20px;padding:3px 12px}
.prose h2{font-size:clamp(22px,3vw,28px);line-height:1.3;margin:40px 0 12px;color:var(--navy);padding-top:6px}
.prose h3{font-size:20px;margin:24px 0 8px;color:var(--navy)}
.prose p{margin:0 0 12px}
.prose ul,.prose ol{margin:0 0 14px;padding-left:22px}
.prose li{margin-bottom:6px}
.prose table{border-collapse:collapse;width:100%;font-size:15px;margin:12px 0 18px}
.prose th,.prose td{border:1px solid var(--line);padding:9px 10px;text-align:left;vertical-align:top}
.prose th{background:var(--sky1);color:var(--navy)}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.prose hr{border:0;border-top:1px solid var(--line);margin:32px 0}
.answer{background:#fff;border:1px solid var(--sky2);border-left:6px solid var(--blue);border-radius:12px;padding:16px 18px;margin:16px 0 8px}
.answer p{margin:0 0 8px}
.answer p:first-child{font-size:15px;text-transform:uppercase;letter-spacing:.04em;color:var(--blue-d)}
.sources{font-size:15px;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 16px}
.sources p{margin:0 0 8px}
/* faq */
.faq-list details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:0 0 10px;overflow:hidden}
.faq-list summary{cursor:pointer;padding:14px 46px 14px 16px;font-weight:700;color:var(--navy);list-style:none;position:relative}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary:after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--blue);line-height:1}
.faq-list details[open] summary:after{content:"–"}
.faq-list details[open] summary{background:var(--sky1)}
.faq-body{padding:12px 16px 4px}
/* author */
.author-box{display:flex;gap:14px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px;margin:30px 0}
.author-box .av{flex:0 0 52px;height:52px;border-radius:50%;background:linear-gradient(135deg,#0C4A8A,#0369A1);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:20px}
.author-box p{margin:0;font-size:15px}
/* hero + home */
.hero{background:linear-gradient(160deg,#E0F2FE 0%,#BAE6FD 55%,#7DD3FC 100%);padding:28px 0 26px;border-bottom:1px solid var(--sky3)}
.hero h1{max-width:900px}
.hero .sub{max-width:760px;margin:0 0 12px;color:#12395C}
.trust{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:14px 0 0}
.trust li{background:rgba(255,255,255,.75);border:1px solid var(--sky3);border-radius:20px;padding:4px 12px;font-size:14px;color:var(--navy);font-weight:600}
.picker{margin:18px 0 0;background:linear-gradient(135deg,#0B3C78 0%,#0C4A8A 45%,#0369A1 100%);border-radius:18px;padding:20px;color:#fff;box-shadow:0 14px 30px rgba(11,60,120,.28)}
.picker h2{font-size:20px;margin:0 0 4px;color:#fff}
.picker .hint{margin:0 0 12px;font-size:14px;color:#E0F2FE}
.amt-out{font-size:clamp(34px,8vw,48px);font-weight:800;line-height:1.1;margin:6px 0 10px;color:#fff}
.picker input[type=range]{width:100%;height:34px;accent-color:#FDE047;cursor:pointer}
.ends{display:flex;justify-content:space-between;font-size:13px;color:#E0F2FE;margin-bottom:10px}
.chips-amt{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 4px}
.chips-amt button{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.5);color:#fff;padding:7px 14px;border-radius:20px;font-weight:700;cursor:pointer;font-size:14px}
.chips-amt button.on,.chips-amt button:hover{background:#fff;color:var(--navy)}
.btn-cta{display:flex;align-items:center;justify-content:center;gap:8px;margin-top:14px;padding:15px 18px;border-radius:12px;background:linear-gradient(135deg,#15803D,#166534);color:#fff;font-weight:800;font-size:16px;white-space:nowrap;text-decoration:none;text-transform:uppercase;letter-spacing:0;box-shadow:0 8px 18px rgba(22,101,52,.45);border:1px solid rgba(255,255,255,.35)}
.btn-cta:hover{color:#fff;filter:brightness(1.12)}
.picker .btn-cta{display:none}
@media(max-width:859px){.picker .btn-cta{display:flex}}
.toc-units{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:12px 0 0}
.toc-units a{display:inline-block;background:#fff;border:1px solid var(--sky2);border-radius:20px;padding:5px 13px;font-size:14px;font-weight:700;text-decoration:none}
.toc-units a:hover{background:var(--sky1)}
/* top boxes */
.only-mobile{display:none}
@media(max-width:859px){.only-mobile{display:block}}
.topbox{background:linear-gradient(160deg,#0B3C78 0%,#0C4A8A 50%,#075985 100%);padding:22px 0 24px;margin:26px 0}
.topbox .tb-head{padding:0 12px;color:#fff}
.topbox h2{color:#fff;font-size:22px;margin:0 0 6px;line-height:1.3}
.topbox .tb-head p{margin:0 0 14px;font-size:14px;color:#E0F2FE}
.tb-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:0 6px}
.tb-card{position:relative;background:#fff;border-radius:14px;padding:22px 8px 12px;display:flex;flex-direction:column;text-align:center;box-shadow:0 6px 16px rgba(0,0,0,.18);border:2px solid transparent}
.tb-card.top{border-color:#F59E0B}
.tb-pick{position:absolute;top:-11px;left:50%;transform:translateX(-50%);background:linear-gradient(135deg,#FDE047,#F59E0B);color:#3B2A00;font-size:11px;font-weight:800;padding:3px 10px;border-radius:20px;white-space:nowrap;letter-spacing:.4px}
.tb-logo{height:46px;display:flex;align-items:center;justify-content:center;margin-bottom:6px}
.tb-logo img{max-height:42px;max-width:100%}
.tb-card h3{display:inline-block;align-self:center;margin:0 0 8px;font-size:14px;font-weight:800;color:#0C4A8A;background:#E7F3FD;padding:3px 12px;border-radius:20px}
.tb-amt{margin:0 0 8px;font-weight:800;color:var(--navy);white-space:nowrap;font-size:clamp(13px,4.3vw,17px)}
.tb-feat{list-style:none;margin:0 0 10px;padding:0;text-align:left;flex-grow:1}
.tb-feat li{font-size:12.5px;line-height:1.4;color:#374151;margin-bottom:5px}
.tb-btn{display:block;padding:11px 6px;border-radius:9px;background:linear-gradient(135deg,#FF9A1F,#FF6B00);color:#2A1300;font-weight:800;text-decoration:none;font-size:14px;text-transform:uppercase;margin-top:auto;box-shadow:0 4px 10px rgba(255,107,0,.35)}
.tb-btn:hover{color:#2A1300;filter:brightness(1.06)}
.tb-note{padding:10px 12px 0;margin:0;font-size:12.5px;color:#E0F2FE}
/* units */
.unit{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 18px 16px;margin:0 0 16px;box-shadow:0 4px 14px rgba(11,42,74,.05)}
.unit-head{display:flex;align-items:center;gap:12px;margin-bottom:8px}
.rank{flex:0 0 40px;height:40px;border-radius:12px;background:linear-gradient(135deg,#0C4A8A,#0369A1);color:#fff;font-weight:800;font-size:19px;display:flex;align-items:center;justify-content:center}
.unit h3{margin:0;font-size:clamp(18px,2.6vw,22px);line-height:1.3}
.unit .chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0 0 10px}
.unit .chips li{background:var(--sky1);border-radius:8px;padding:4px 10px;font-size:14px;margin:0}
.unit p{margin:0 0 8px}
.btn-official{display:inline-block;margin-top:6px;padding:10px 18px;border-radius:10px;background:var(--blue-d);color:#fff;font-weight:700;text-decoration:none}
.btn-official:hover{background:var(--navy);color:#fff}
/* calculator */
.calc{background:linear-gradient(160deg,#fff 0%,#E0F2FE 100%);border:1px solid var(--sky2);border-radius:18px;padding:20px;margin:14px 0}
.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media(max-width:600px){.calc-grid{grid-template-columns:1fr}}
.calc label{display:block;font-weight:700;font-size:15px;color:var(--navy);margin-bottom:4px}
.calc input,.calc select{width:100%;padding:11px 12px;font-size:16px;border:1px solid #9DB8D0;border-radius:10px;background:#fff;color:var(--ink)}
.calc small{display:block;color:var(--muted);font-size:13px;margin-top:3px}
.calc button{margin-top:14px;padding:14px 22px;border:0;border-radius:12px;background:linear-gradient(135deg,#0C4A8A,#0369A1);color:#fff;font-weight:800;font-size:17px;cursor:pointer}
.calc button:hover{filter:brightness(1.1)}
.calc-res{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:16px}
@media(max-width:600px){.calc-res{grid-template-columns:1fr}}
.calc-res div{background:#fff;border:1px solid var(--sky2);border-radius:12px;padding:12px}
.calc-res b{display:block;font-size:20px;color:var(--navy)}
.calc-res span{font-size:14px;color:var(--muted)}
.calc-note{background:#FFF7E6;border:1px solid #F5C77E;color:#5C3A00;border-radius:10px;padding:8px 12px;margin:12px 0 0;font-size:14px}
.calc.stale .calc-res{opacity:.55}
.disclaimer-box{font-size:14px;color:var(--muted);margin-top:12px}
/* hub list + footer */
.hub-list{list-style:none;padding:0;display:grid;gap:10px}
.hub-list li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 14px;margin:0}
.site-footer{background:var(--navy);color:#DCE9F5;margin-top:48px;padding:34px 0 22px;font-size:15px}
.site-footer a{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:24px}
@media(max-width:859px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.foot-grid{grid-template-columns:1fr}}
.site-footer h2{font-size:16px;color:#fff;margin:0 0 8px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:6px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.2);margin-top:22px;padding-top:14px;font-size:13.5px;color:#C7D9EA}
/* sticky mobile cta */
.mobile-cta{position:fixed;left:0;right:0;bottom:0;z-index:40;background:#fff;border-top:1px solid #D5E3F0;padding:10px 16px;display:flex;box-shadow:0 -4px 16px rgba(0,0,0,.08);transform:translateY(100%);opacity:0;pointer-events:none;transition:transform .3s,opacity .3s}
.mobile-cta.show{transform:none;opacity:1;pointer-events:auto}
.mobile-cta a{flex:1;display:flex;align-items:center;justify-content:center;gap:8px;padding:14px;font-size:16px;font-weight:800;text-transform:uppercase;letter-spacing:.3px;text-decoration:none;color:#fff;background:#2EA3F2;border-radius:9px;box-shadow:0 4px 12px rgba(46,163,242,.4)}
.mobile-cta a:hover{background:#1C8AD6;color:#fff}
.mobile-cta span{font-weight:900;animation:nudge 1.4s ease-in-out infinite}
@keyframes nudge{50%{transform:translateX(4px)}}
@media(min-width:860px){.mobile-cta{display:none}}
@media(max-width:859px){body{padding-bottom:76px}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;scroll-behavior:auto!important}}

.foot-disc{border-top:1px solid rgba(255,255,255,.2);margin-top:20px;padding-top:14px;font-size:13.5px;color:#C7D9EA}
.foot-disc p{margin:0 0 6px}
.foot-disc strong{color:#fff}