:root{--navy:#232F3E;--orange:#F97415;--gray:#F3F5F6;--mut:#64748B;--line:#E2E8F0;--hl:#FFE8D6;--bad:#dc2626}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,system-ui,-apple-system,sans-serif;color:var(--navy);background:#fff;line-height:1.65;font-size:18px}
a{color:var(--orange)}
.c{max-width:1040px;margin:0 auto;padding:0 20px}
.n{max-width:720px;margin:0 auto;padding:0 20px}
.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.top .c{display:flex;align-items:center;justify-content:space-between;padding-top:12px;padding-bottom:12px;gap:12px}
.mark{display:flex;align-items:baseline;gap:6px;text-decoration:none;color:var(--navy)}
.mark b{font-weight:900;font-size:22px;letter-spacing:-.02em;background:var(--navy);color:#fff;padding:2px 8px;border-radius:8px}
.mark b i{font-style:normal;color:var(--orange)}
.mark span{font-weight:800;font-size:15px;letter-spacing:-.01em}
.links{display:flex;gap:18px;align-items:center}
.links a{color:var(--navy);font-weight:600;text-decoration:none;font-size:15px}
@media(max-width:640px){.links a:not(.btn){display:none}}
.btn{display:inline-block;background:linear-gradient(90deg,#F97316 0%,#F59E0B 100%);color:#fff;font-weight:800;font-size:18px;padding:16px 28px;border-radius:12px;text-decoration:none;text-align:center;box-shadow:0 10px 24px rgba(249,116,21,.25);line-height:1.2}
.btn.small{padding:10px 16px;font-size:15px;box-shadow:none}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--orange);background:var(--hl);padding:6px 12px;border-radius:999px;text-decoration:none}
h1{font-weight:900;font-size:clamp(32px,5vw,48px);line-height:1.1;letter-spacing:-.02em;margin:16px 0 14px;text-wrap:balance}
h2{font-weight:800;font-size:clamp(23px,3vw,29px);line-height:1.2;margin:40px 0 12px;letter-spacing:-.01em;text-wrap:balance}
h3{font-weight:800;font-size:19px;margin:0 0 6px}
p{margin:0 0 16px}
.hl{color:var(--orange);text-decoration:underline;text-decoration-thickness:4px;text-underline-offset:6px}
.lead{font-size:19px;color:#3b4656;max-width:600px}
.by{color:var(--mut);font-size:15px;margin-bottom:26px}
article{padding:40px 0 20px}
.answer{background:var(--gray);border-left:5px solid var(--orange);border-radius:12px;padding:18px 20px;font-size:19px;font-weight:600}
.formula{background:var(--navy);color:#fff;border-radius:14px;padding:18px 20px;font-weight:700;font-size:17px;line-height:1.7}
.formula span{color:#fbbf24}
ol,ul{padding-left:24px;margin:0 0 16px}
li{margin-bottom:8px}
.tablewrap{overflow-x:auto;margin:6px 0 16px}
table{width:100%;border-collapse:collapse;font-size:16px;font-variant-numeric:tabular-nums}
td{padding:11px 10px;border-bottom:1px solid var(--line)}
td:last-child{text-align:right;font-weight:800;white-space:nowrap}
tr.total td{border-bottom:0;color:var(--orange);font-size:18px}
.cta{background:var(--hl);border-radius:18px;padding:26px;text-align:center;margin:36px 0}
.cta h3{font-size:22px;font-weight:900;margin:0 0 8px;text-wrap:balance}
.cta p{color:#3b4656;font-size:16px;max-width:52ch;margin:0 auto 18px}
.faq details{border-bottom:1px solid var(--line);padding:14px 0}
.faq summary{font-weight:700;cursor:pointer;font-size:17px;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";color:var(--orange);font-weight:900}
.faq details[open] summary:after{content:"\2013"}
.faq p{color:var(--mut);margin:10px 0 0;font-size:16px}
.related{border-top:1px solid var(--line);margin-top:40px;padding-top:20px;font-size:16px}
.related a{margin-right:14px;display:inline-block;margin-bottom:6px;font-weight:600}
.hero{padding:56px 0 24px}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:16px;margin:24px 0 8px}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;text-decoration:none;color:var(--navy);transition:border-color .15s,box-shadow .15s}
.card:hover,.card:focus-visible{border-color:var(--orange);box-shadow:0 10px 24px rgba(249,116,21,.12)}
.card small{display:block;color:var(--mut);font-size:14px;margin-top:4px}
.card.feature{background:var(--navy);color:#fff;border-color:var(--navy)}
.card.feature small{color:#b9c4d2}
section{padding:24px 0}
footer{padding:28px 0;font-size:13px;color:var(--mut);text-align:center;border-top:1px solid var(--line);margin-top:40px}
footer a{color:var(--mut)}
a:focus-visible,summary:focus-visible{outline:3px solid var(--orange);outline-offset:3px}