:root{
  --bg:#0b0d10;--panel:#12161c;--panel2:#171c23;--text:#f4f7fb;--muted:#9aa6b2;
  --line:#28313b;--accent:#ff6b2c;--accent2:#ff914d;--good:#56d364;--warn:#f2cc60;
  --shadow:0 18px 45px rgba(0,0,0,.28)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:radial-gradient(circle at 20% -10%,rgba(255,107,44,.16),transparent 35%),var(--bg);color:var(--text);line-height:1.65}a{color:inherit;text-decoration:none}.container{width:min(1120px,calc(100% - 32px));margin:auto}header{position:sticky;top:0;z-index:10;background:rgba(11,13,16,.9);backdrop-filter:blur(14px);border-bottom:1px solid rgba(255,255,255,.06)}.nav{height:70px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{font-weight:900;letter-spacing:-.04em;font-size:1.35rem}.brand span{color:var(--accent)}.navlinks{display:flex;gap:20px;color:var(--muted);font-weight:700;font-size:.94rem}.navlinks a:hover{color:var(--text)}.hero{padding:92px 0 54px}.eyebrow{display:inline-flex;gap:8px;align-items:center;color:#ffd4c2;font-weight:800;font-size:.83rem;letter-spacing:.12em;text-transform:uppercase}.hero h1{font-size:clamp(2.7rem,7vw,5.8rem);line-height:.94;letter-spacing:-.06em;margin:14px 0 20px;max-width:920px}.hero p{color:var(--muted);font-size:1.15rem;max-width:760px}.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:12px;font-weight:850;border:1px solid var(--line)}.btn-primary{background:linear-gradient(135deg,var(--accent),var(--accent2));color:#0d0d0d;border:0}.btn-secondary{background:var(--panel)}.section{padding:42px 0}.section-title{font-size:2rem;letter-spacing:-.035em;margin:0 0 8px}.section-copy{color:var(--muted);margin:0 0 24px;max-width:800px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{background:linear-gradient(180deg,rgba(255,255,255,.025),transparent),var(--panel);border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:var(--shadow);transition:.18s transform,.18s border-color}.card:hover{transform:translateY(-3px);border-color:#475362}.card h3{margin:8px 0 6px;font-size:1.15rem}.card p{color:var(--muted);margin:0}.icon{width:42px;height:42px;display:grid;place-items:center;border-radius:12px;background:rgba(255,107,44,.12);border:1px solid rgba(255,107,44,.25);font-size:1.2rem}.tool-shell{padding:54px 0 80px}.tool-head{margin-bottom:24px}.tool-head h1{font-size:clamp(2.2rem,6vw,4.3rem);line-height:1;letter-spacing:-.05em;margin:8px 0 14px}.tool-head p{color:var(--muted);max-width:780px}.calc{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}.panel{background:var(--panel);border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:var(--shadow)}.panel h2{margin-top:0}label{display:block;font-weight:800;margin:0 0 7px}.field{margin-bottom:16px}input,select{width:100%;background:#0d1116;color:var(--text);border:1px solid #313b46;border-radius:12px;padding:13px 14px;font:inherit;outline:none}input:focus,select:focus{border-color:var(--accent)}button{width:100%;padding:14px;border:0;border-radius:12px;background:linear-gradient(135deg,var(--accent),var(--accent2));font-weight:900;font-size:1rem;cursor:pointer;color:#101010}.result{background:var(--panel2);border:1px solid var(--line);border-radius:14px;padding:15px;margin-bottom:10px}.result strong{display:block;font-size:1.35rem}.result span{color:var(--muted);font-size:.9rem}.note{font-size:.9rem;color:var(--muted)}.content{margin-top:28px;background:var(--panel);border:1px solid var(--line);border-radius:18px;padding:26px}.content h1,.content h2,.content h3{letter-spacing:-.025em}.content h2{margin-top:32px}.content h2:first-child{margin-top:0}.content p,.content li{color:#c1c9d2}.content a{color:#ffad86;text-decoration:underline;text-underline-offset:3px}.content ul{padding-left:22px}.formula{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;background:#0d1116;border:1px solid var(--line);border-radius:12px;padding:14px;overflow:auto}.related{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.pill{display:inline-flex;padding:8px 11px;border:1px solid var(--line);border-radius:999px;background:#0e1217;color:#d8dee6;font-weight:700;font-size:.9rem}.faq{border-top:1px solid var(--line);padding-top:18px;margin-top:18px}.faq h3{margin-bottom:6px}.stat-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:28px}.stat{background:var(--panel);border:1px solid var(--line);border-radius:16px;padding:18px}.stat strong{display:block;font-size:1.4rem}.stat span{color:var(--muted);font-size:.9rem}.badge{display:inline-block;padding:5px 9px;border:1px solid rgba(86,211,100,.3);background:rgba(86,211,100,.08);color:#a6efad;border-radius:999px;font-weight:800;font-size:.78rem}.warning{border-left:3px solid var(--warn);padding-left:14px;color:#d9d0aa}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px}.guide-list{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.guide-card{background:var(--panel);border:1px solid var(--line);border-radius:18px;padding:22px}.guide-card p{color:var(--muted)}footer{border-top:1px solid var(--line);padding:26px 0 42px;color:var(--muted);font-size:.9rem}.footer-row{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.footer-links{display:flex;gap:16px;flex-wrap:wrap}.kicker{color:var(--accent);font-weight:900}@media(max-width:820px){.grid{grid-template-columns:1fr 1fr}.calc,.two-col{grid-template-columns:1fr}.navlinks{display:none}.stat-strip{grid-template-columns:1fr}}@media(max-width:560px){.grid,.guide-list{grid-template-columns:1fr}.hero{padding-top:60px}}