:root{
  --navy:#1B2A4A;
  --navy-2:#24385f;
  --gold:#C9A84C;
  --ink:#192432;
  --muted:#64748b;
  --line:#d8e0ea;
  --bg:#f4f7fb;
  --card:#ffffff;
  --success:#0f766e;
  --radius:8px;
  --shadow:0 18px 48px rgba(16,24,40,.08);
  --max:1160px;
}
*{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;
  color:var(--ink);
  background:var(--bg);
  line-height:1.65;
}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
p,li{font-size:1rem}
.container{width:min(var(--max),calc(100% - 2rem));margin:0 auto}
.site-header{
  position:sticky;top:0;z-index:30;
  background:rgba(255,255,255,.96);
  border-bottom:1px solid rgba(216,224,234,.9);
  backdrop-filter:blur(8px);
}
.header-inner{
  width:min(var(--max),calc(100% - 2rem));
  margin:0 auto;
  min-height:72px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:1rem;
}
.site-logo{display:flex;align-items:center;gap:.85rem;font-weight:800}
.logo-mark{
  width:40px;height:40px;border-radius:8px;
  background:linear-gradient(135deg,var(--navy),#314b80);
  color:#fff;display:grid;place-items:center;font-size:.9rem;letter-spacing:0;
}
.logo-text{font-size:1.08rem;color:var(--navy)}
.logo-text span{color:var(--gold)}
.nav-desktop{display:flex;align-items:center;gap:1.3rem;font-weight:600}
.nav-desktop>a,.nav-trigger{font:inherit;color:var(--ink);background:none;border:0;padding:0;cursor:pointer}
.nav-dropdown{position:relative}
.dropdown-menu{
  position:absolute;top:calc(100% + .8rem);left:0;
  width:min(320px,70vw);
  background:#fff;border:1px solid var(--line);border-radius:8px;
  box-shadow:var(--shadow);padding:.75rem;display:none;
}
.dropdown-menu a{display:block;padding:.5rem .6rem;border-radius:6px}
.dropdown-menu a:hover{background:#f2f5f9;text-decoration:none}
.nav-dropdown:hover .dropdown-menu,.nav-dropdown.open .dropdown-menu{display:block}
.mobile-nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:8px;width:44px;height:44px;padding:0}
.mobile-nav-toggle span{display:block;width:20px;height:2px;background:var(--ink);margin:5px auto}
.mobile-nav{
  display:none;
  width:min(var(--max),calc(100% - 2rem));
  margin:0 auto .75rem;
  background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:var(--shadow);overflow:hidden
}
.mobile-nav a{display:block;padding:.9rem 1rem;border-top:1px solid #eef3f8}
.mobile-nav a:first-child{border-top:0}
.mobile-nav.open{display:block}
.hero{
  color:#fff;background-size:cover;background-position:center;
  padding:5rem 0 4rem;
}
.hero-inner{max-width:760px}
.hero h1{font-size:clamp(2.4rem,5vw,4.35rem);line-height:1.05;margin:.2rem 0 1rem}
.hero-copy{font-size:1.1rem;max-width:58ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:.85rem;margin:1.65rem 0 2rem}
.button-primary,.button-secondary,.calc-button{
  display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.85rem 1.25rem;border-radius:8px;font-weight:700;border:1px solid transparent;cursor:pointer
}
.button-primary,.calc-button{background:var(--gold);color:#142033}
.button-secondary{background:transparent;border-color:rgba(255,255,255,.45);color:#fff}
.stats-bar{
  display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem;
  margin-top:2rem;padding:1rem 0 .25rem
}
.stats-bar div{padding-right:1rem;border-right:1px solid rgba(255,255,255,.22)}
.stats-bar div:last-child{border-right:0}
.stats-bar strong{display:block;font-size:1.6rem}
.stats-bar span{display:block;font-size:.95rem;color:rgba(255,255,255,.86)}
.page-shell{padding:1.5rem 0 2rem}
.article-layout{display:block}
.article-content{
  background:#fff;border:1px solid var(--line);border-radius:8px;padding:1.5rem 1.4rem;box-shadow:var(--shadow)
}
.home-content{margin-top:-2rem;position:relative}
.article-content h1{font-size:clamp(2rem,4vw,3rem);line-height:1.1;margin:.2rem 0 1rem}
.article-content h2{font-size:1.6rem;line-height:1.2;margin:2.1rem 0 .85rem;color:var(--navy)}
.article-content h3{font-size:1.15rem;line-height:1.3;margin:1.4rem 0 .6rem}
.article-meta{display:flex;flex-wrap:wrap;gap:.85rem;color:var(--muted);font-size:.94rem;margin-bottom:1.1rem}
.eyebrow{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--gold);font-weight:800}
.hero-eyebrow{color:#f9df95}
.disclaimer-banner{
  padding:1rem 1rem;border-left:4px solid var(--gold);background:#fff8e7;border-radius:0 8px 8px 0;margin:1.2rem 0 1.5rem
}
.warning{background:#fff1f2;border-left-color:#e11d48}
.breadcrumb{margin-bottom:1rem}
.breadcrumb ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.5rem;color:var(--muted);font-size:.92rem}
.breadcrumb li+li::before{content:"/";margin-right:.5rem;color:#94a3b8}
.content-section{margin:0 0 1.8rem}
.table-wrap{overflow-x:auto;margin:1rem 0 1.15rem}
.data-table{
  width:100%;border-collapse:collapse;min-width:640px;border:1px solid var(--line)
}
.data-table th,.data-table td{padding:.85rem .9rem;border-bottom:1px solid var(--line);vertical-align:top;text-align:left}
.data-table th{background:#eef3fa;color:var(--navy);font-size:.94rem}
.data-table tr:nth-child(even) td{background:#fbfdff}
.card-grid{
  display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem
}
.card{
  border:1px solid var(--line);border-radius:8px;padding:1rem;background:#fff
}
.card h3{margin:.15rem 0 .55rem}
.toc{
  border:1px solid var(--line);background:#f8fafc;border-radius:8px;padding:1rem;margin:1rem 0 1.5rem
}
.toc-title{margin:0;font-weight:800;color:var(--navy)}
.toc ol{margin:.8rem 0 0;padding-left:1.15rem}
.toc li+li{margin-top:.35rem}
.faq-section{margin-top:2rem}
.faq-item{border:1px solid var(--line);border-radius:8px;margin-top:.75rem;background:#fff}
.faq-question{
  width:100%;padding:1rem 1rem;border:0;background:none;text-align:left;font:inherit;font-weight:700;color:var(--ink);cursor:pointer
}
.faq-answer{display:none;padding:0 1rem 1rem}
.faq-item.open .faq-answer{display:block}
.related-section{margin-top:2rem}
.author-panel{
  display:grid;grid-template-columns:144px 1fr;gap:1.25rem;
  border:1px solid var(--line);border-radius:8px;padding:1rem;margin-top:2rem;background:#f8fafc
}
.author-panel img{border-radius:8px}
.author-role{margin-top:-.35rem;color:var(--muted);font-weight:600}
.author-box {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 16px 0;
  padding: 12px 16px;
  background: var(--color-bg-secondary, #f8f9fa);
  border-radius: 8px;
  border-left: 3px solid #C9A84C;
}
.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: #1B2A4A;
  color: #C9A84C;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  font-size: 14px;
  flex-shrink: 0;
}
.author-info strong {
  display: block;
  font-size: 14px;
  color: #1B2A4A;
}
.author-info span {
  font-size: 12px;
  color: #666;
}
.editorial-note {
  background: #fffbf0;
  border: 1px solid #f0d080;
  border-radius: 6px;
  padding: 12px 16px;
  font-size: 13px;
  color: #555;
  margin: 12px 0 20px;
}
.inline-figure{margin:1rem 0 1.5rem}
.inline-figure img{border-radius:8px;border:1px solid var(--line)}
.inline-figure figcaption{font-size:.9rem;color:var(--muted);margin-top:.6rem}
.bio-grid{display:grid;grid-template-columns:240px 1fr;gap:1.25rem;align-items:start}
.bio-grid img{border-radius:8px;border:1px solid var(--line)}
.calculator-panel{
  border:1px solid var(--line);border-radius:8px;padding:1rem;background:#fbfdff;margin:1.5rem 0
}
.form-grid{
  display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem
}
label{display:flex;flex-direction:column;gap:.35rem;font-weight:600;color:var(--ink)}
input,select,textarea{
  width:100%;padding:.82rem .9rem;border:1px solid #cbd5e1;border-radius:8px;font:inherit;background:#fff;color:var(--ink)
}
textarea{resize:vertical}
.calc-result{
  margin-top:1rem;padding:1rem;border:1px dashed #b8c5d6;border-radius:8px;background:#fff
}
.form-note{font-size:.92rem;color:var(--muted)}
.contact-form{display:grid;gap:1rem}
.sitemap-list{list-style:none;padding:0;margin:0}
.sitemap-list li{padding:.8rem 0;border-bottom:1px solid #edf1f6}
.sitemap-list span{display:block;color:var(--muted);font-size:.94rem}
.site-footer{
  background:#132039;color:#d9e4f3;padding:3rem 0 2rem;margin-top:0
}
.site-footer a{color:#f3f7fb}
.footer-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1rem}
.site-footer h3{margin-top:0;color:#fff}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li+li{margin-top:.5rem}
.footer-disclaimer{
  margin-top:2rem;padding:1rem;border:1px solid rgba(255,255,255,.14);border-radius:8px;background:rgba(255,255,255,.03)
}
.footer-bottom{
  margin-top:1rem;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;color:#c1cedd;font-size:.94rem
}
.cookie-banner{
  position:fixed;left:1rem;right:1rem;bottom:1rem;z-index:40;
  background:#10192d;color:#fff;border:1px solid rgba(255,255,255,.12);border-radius:8px;padding:1rem;display:none;box-shadow:var(--shadow)
}
.cookie-banner.show{display:block}
.cookie-actions{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:.75rem}
.cookie-actions button{
  min-height:42px;border-radius:8px;border:1px solid rgba(255,255,255,.2);padding:.7rem 1rem;font:inherit;cursor:pointer
}
.cookie-actions .accept{background:var(--gold);color:#152034;border-color:transparent}
.cookie-actions .reject{background:transparent;color:#fff}
@media (max-width: 980px){
  .nav-desktop{display:none}
  .mobile-nav-toggle{display:block}
  .card-grid,.footer-grid,.stats-bar,.bio-grid,.author-panel,.form-grid{grid-template-columns:1fr}
  .stats-bar div{border-right:0;border-bottom:1px solid rgba(255,255,255,.18);padding-bottom:1rem}
  .stats-bar div:last-child{border-bottom:0}
}
@media (max-width: 680px){
  .hero{padding:4rem 0 3.25rem}
  .container{width:min(var(--max),calc(100% - 1.25rem))}
  .article-content{padding:1.15rem}
  .article-content h1{font-size:2rem}
  .data-table{min-width:560px}
}