:root{color-scheme:light;--bg: #f8f7f2;--surface: #ffffff;--surface-muted: #f1efe7;--ink: #1f2a24;--muted: #607067;--line: #ded9ca;--accent: #c9821a;--accent-strong: #8b5b10;--green: #2f6f4e;--green-soft: #e6f0e9;--shadow: 0 20px 60px rgba(31, 42, 36, .08);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);line-height:1.6}a{color:var(--green);text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;height:auto}.site-header{position:sticky;top:0;z-index:10;border-bottom:1px solid rgba(222,217,202,.85);background:#f8f7f2e6;backdrop-filter:blur(14px)}.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;max-width:1180px;margin:0 auto;padding:1rem 1.25rem}.brand{color:var(--ink);font-weight:750;letter-spacing:-.03em}.nav-links{display:flex;flex-wrap:wrap;gap:.9rem;font-size:.95rem}.container{max-width:1180px;margin:0 auto;padding:0 1.25rem}.section{padding:4rem 0}.hero{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(320px,.75fr);gap:2rem;align-items:center;padding:5rem 0 3rem}.eyebrow{color:var(--accent-strong);font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase}h1,h2,h3{margin:0 0 1rem;color:var(--ink);line-height:1.1;letter-spacing:-.04em}h1{max-width:830px;font-size:clamp(2.5rem,7vw,5.7rem)}h2{font-size:clamp(2rem,4vw,3.4rem)}h3{font-size:1.3rem}.lede{max-width:740px;color:var(--muted);font-size:1.16rem}.button-row{display:flex;flex-wrap:wrap;gap:.85rem;margin-top:1.6rem}.button,button{display:inline-flex;align-items:center;justify-content:center;min-height:44px;border:1px solid var(--ink);border-radius:999px;background:var(--ink);color:#fff;cursor:pointer;font:inherit;font-weight:700;padding:.7rem 1.05rem;text-decoration:none}.button.secondary,button.secondary{background:transparent;color:var(--ink)}.button:hover,button:hover{text-decoration:none;transform:translateY(-1px)}.panel,.card,.calculator{border:1px solid var(--line);border-radius:28px;background:var(--surface);box-shadow:var(--shadow)}.panel,.card{padding:1.4rem}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.two-col{display:grid;grid-template-columns:minmax(0,.75fr) minmax(280px,.25fr);gap:1.5rem;align-items:start}.article{max-width:780px}.article p,.article li{color:var(--muted)}.article-meta{display:flex;flex-wrap:wrap;gap:.65rem;margin:0 0 1rem}.article-meta span{border:1px solid var(--line);border-radius:999px;background:var(--surface-muted);color:var(--muted);font-size:.86rem;font-weight:700;padding:.35rem .7rem}.article-section{border-top:1px solid var(--line);padding:2.2rem 0}.article-section h2,.content-band h2,.guide-summary h2{font-size:clamp(1.55rem,3vw,2.35rem)}.article-section ul,.guide-summary ul{display:grid;gap:.55rem;margin:1rem 0 0;padding-left:1.1rem}.example-box{border-left:4px solid var(--accent);border-radius:14px;background:#fff8e8;color:var(--ink)!important;margin:1rem 0 0;padding:1rem}.content-band,.guide-summary{border:1px solid var(--line);border-radius:28px;background:var(--surface);box-shadow:var(--shadow);margin:1.5rem 0;padding:1.4rem}.topic-list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.topic-list article{border:1px solid var(--line);border-radius:20px;background:var(--surface-muted);padding:1rem}.ad-slot{display:grid;place-items:center;width:100%;border:1px dashed #c8bfa9;border-radius:18px;background:#f4f0e4;color:#7a705f;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase}.ad-banner{min-height:110px;margin:2rem 0}.ad-rectangle{min-height:260px}.ad-sidebar{min-height:420px;position:sticky;top:6rem}.calculator{display:grid;gap:1.25rem;padding:1.25rem}.calculator>section[aria-live=polite]{display:grid;gap:1.15rem}.mode-switch{display:flex;flex-wrap:wrap;gap:.75rem}.mode-switch button[aria-pressed=true]{background:var(--green);border-color:var(--green)}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}.field{display:grid;gap:.35rem}label{font-weight:750}input,select{width:100%;border:1px solid var(--line);border-radius:14px;background:#fff;color:var(--ink);font:inherit;min-height:44px;padding:.75rem .85rem}input:focus,select:focus,button:focus-visible,a:focus-visible{outline:3px solid rgba(201,130,26,.35);outline-offset:3px}.error{color:#9a3412;font-size:.9rem}.results{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:.85rem}.result-card{display:grid;gap:.45rem;border:1px solid var(--line);border-radius:20px;background:var(--surface-muted);padding:1rem}.panel>:last-child{margin-bottom:0}.result-card strong{display:block;font-size:1.55rem;line-height:1.1}.assumptions,.scenario-list,.faq-list{display:grid;gap:.75rem}.assumptions{margin:0;padding-left:1.1rem}.scenario-list{grid-template-columns:repeat(3,minmax(0,1fr))}.link-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.definition-list{display:grid;gap:1rem}.definition-list dt{font-weight:800}.definition-list dd{margin:0;color:var(--muted)}.site-footer{border-top:1px solid var(--line);margin-top:4rem;padding:2rem 0;color:var(--muted)}@media(max-width:900px){.hero,.two-col,.grid,.link-grid,.results,.scenario-list,.form-grid,.topic-list{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column}.ad-sidebar{display:none}}@media(max-width:560px){.section{padding:2.6rem 0}.hero{padding-top:3rem}.panel,.card,.calculator{border-radius:20px}}
