:root{color-scheme:light;--background: #f8fafc;--surface: #ffffff;--surface-strong: #eff6ff;--text: #0f172a;--muted: #475569;--line: #e2e8f0;--primary: #2563eb;--primary-dark: #1d4ed8;--green: #16a34a;--amber: #f59e0b;--rose: #e11d48;--shadow: 0 18px 45px rgba(15, 23, 42, .08);--radius: 8px;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:linear-gradient(180deg,#eef6ff 0,#f8fafc00 420px),var(--background);color:var(--text);font-size:16px;line-height:1.6;text-rendering:optimizeLegibility}img,svg{max-width:100%}a{color:inherit;text-decoration:none}a:hover{color:var(--primary)}button,input{font:inherit}main{min-height:70vh}.container{width:min(1120px,calc(100% - 32px));margin-inline:auto}.section{padding:72px 0}.section-tight{padding:48px 0}.section-heading{max-width:760px;margin-bottom:28px}.section-heading h1,.section-heading h2{margin:0;line-height:1.08;letter-spacing:0}.section-heading h1{font-size:clamp(2.4rem,7vw,4.6rem)}.section-heading h2{font-size:clamp(1.8rem,4vw,2.7rem)}.section-heading p{margin:14px 0 0;color:var(--muted);font-size:1.08rem}.eyebrow{display:inline-flex;align-items:center;gap:8px;margin-bottom:12px;color:var(--primary);font-size:.82rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.skip-link,.sr-only{position:absolute;width:1px;height:1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link:focus{position:fixed;z-index:100;top:16px;left:16px;width:auto;height:auto;clip:auto;padding:10px 14px;border-radius:var(--radius);background:var(--text);color:#fff}.site-header{position:sticky;top:0;z-index:50;background:#f8fafceb;border-bottom:1px solid rgba(226,232,240,.88);backdrop-filter:blur(14px)}.header-inner{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:inline-flex;align-items:center;gap:12px;min-width:0}.brand-mark{flex:0 0 auto;display:inline-grid;place-items:center;width:42px;height:42px;border-radius:var(--radius);background:linear-gradient(135deg,var(--primary),var(--green));color:#fff;font-weight:900}.brand-copy{display:grid;gap:1px;min-width:0}.brand-copy strong{font-size:1rem;line-height:1.1}.brand-copy small{max-width:360px;color:var(--muted);font-size:.78rem;line-height:1.2}.site-nav{display:flex;align-items:center;gap:6px}.site-nav a{border-radius:var(--radius);padding:9px 12px;color:var(--muted);font-weight:700;line-height:1.1}.site-nav a:hover,.site-nav a.is-active{background:#e0ecff;color:var(--primary-dark)}.menu-toggle{display:none;width:42px;height:42px;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);color:var(--text)}.menu-toggle-lines,.menu-toggle-lines:before,.menu-toggle-lines:after{display:block;width:18px;height:2px;margin:auto;background:currentColor;content:""}.button svg,.card-link svg{flex:0 0 auto}.menu-toggle-lines:before{transform:translateY(-6px)}.menu-toggle-lines:after{transform:translateY(4px)}.hero{padding:58px 0 40px}.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.86fr);align-items:center;gap:42px}.hero h1{margin:0;max-width:780px;font-size:clamp(2.55rem,7vw,5rem);line-height:1;letter-spacing:0}.hero p{max-width:700px;color:var(--muted);font-size:1.16rem}.hero-metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:30px;max-width:680px}.hero-metrics a{min-width:0;padding:14px;border:1px solid rgba(148,163,184,.28);border-radius:var(--radius);background:#ffffffb8;box-shadow:0 10px 28px #0f172a0f;transition:border-color .16s ease,background .16s ease,transform .16s ease}.hero-metrics a:hover{border-color:#2563eb57;background:#fff;color:var(--text);transform:translateY(-2px)}.hero-metrics svg{color:var(--primary)}.hero-metrics strong,.hero-metrics span{display:block}.hero-metrics strong{margin-top:8px;font-size:.95rem;line-height:1.1}.hero-metrics span{margin-top:3px;color:var(--muted);font-size:.82rem;line-height:1.25}.capital-highlight{display:grid;grid-template-columns:52px minmax(0,1fr) 32px;align-items:center;gap:16px;padding:20px;border:1px solid rgba(37,99,235,.18);border-radius:var(--radius);background:linear-gradient(135deg,#2563eb14,#16a34a14),#fff;box-shadow:var(--shadow)}.capital-highlight:hover{border-color:#2563eb5c;color:var(--text)}.capital-highlight strong,.capital-highlight small{display:block}.capital-highlight strong{font-size:clamp(1.1rem,3vw,1.35rem);line-height:1.15}.capital-highlight small{margin-top:4px;color:var(--muted);font-size:.95rem;line-height:1.35}.hero-actions,.button-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.hero-media{margin:0;aspect-ratio:.82;overflow:hidden;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.hero-media img{display:block;width:100%;height:112%;object-fit:cover;object-position:center 58%;transform:translateY(-6%)}.button{display:inline-flex;align-items:center;justify-content:center;min-height:44px;border:1px solid transparent;border-radius:var(--radius);padding:10px 16px;background:var(--primary);color:#fff;font-weight:800;line-height:1.15;gap:8px}.button:hover{background:var(--primary-dark);color:#fff}.button-secondary{background:var(--surface);color:var(--text);border-color:var(--line)}.button-secondary:hover{background:#edf5ff;color:var(--primary-dark)}.button-light{background:#fff;color:var(--primary-dark)}.button-light:hover{background:#eaf2ff;color:var(--primary-dark)}.grid{display:grid;gap:18px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.card{display:flex;flex-direction:column;justify-content:space-between;gap:20px;min-height:100%;padding:22px;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);transition:border-color .16s ease,box-shadow .16s ease,transform .16s ease;box-shadow:0 1px #0f172a08}.card:hover{border-color:#2563eb47;box-shadow:0 16px 34px #0f172a14;transform:translateY(-2px)}.card h3{margin:12px 0 8px;font-size:1.2rem;line-height:1.22}.card p{margin:0;color:var(--muted)}.card-link{color:var(--primary);font-weight:800}.icon-link{display:inline-flex;align-items:center;gap:6px}.card-topline{display:flex;align-items:center;justify-content:space-between;gap:12px}.icon-badge{display:inline-grid;place-items:center;width:44px;height:44px;border:1px solid rgba(37,99,235,.16);border-radius:var(--radius);background:linear-gradient(180deg,#eff6ff,#fff);color:var(--primary)}.icon-badge-small{width:32px;height:32px}.article-meta{display:flex;flex-wrap:wrap;align-items:center;gap:10px;color:var(--muted);font-size:.9rem}.article-card footer{display:flex;align-items:center;justify-content:space-between;gap:12px;color:var(--muted);font-size:.92rem}.category-tag{display:inline-flex;width:fit-content;border-radius:999px;padding:5px 9px;background:#ecfdf5;color:#166534;font-size:.76rem;font-weight:850;line-height:1.1}.feature-list{display:grid;gap:16px;margin:0;padding:0;list-style:none}.feature-list li{display:grid;grid-template-columns:42px minmax(0,1fr);column-gap:14px;align-items:start;padding:18px;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface)}.feature-list li svg{grid-row:span 2;width:42px;height:42px;padding:9px;border-radius:var(--radius);background:#eff6ff;color:var(--primary)}.feature-list strong{display:block;margin-bottom:6px}.feature-list span{color:var(--muted)}.category-card{justify-content:flex-start}.profile-list{display:grid;gap:14px}.profile-list div{padding-top:14px;border-top:1px solid var(--line)}.profile-list div:first-child{padding-top:0;border-top:0}.profile-list strong,.profile-list span{display:block}.profile-list strong{color:var(--text);line-height:1.2}.profile-list span{margin-top:4px;color:var(--muted)}.capital-list{display:flex;flex-wrap:wrap;gap:10px}.capital-list span{display:inline-flex;align-items:center;min-height:34px;border:1px solid var(--line);border-radius:999px;padding:7px 12px;background:#fff;color:var(--text);font-size:.9rem;font-weight:750}.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}.cost-table{width:100%;min-width:1040px;border-collapse:collapse;table-layout:fixed}.cost-table caption{padding:14px 16px;color:var(--muted);font-size:.9rem;text-align:left}.cost-table th,.cost-table td{padding:13px 12px;border-top:1px solid var(--line);text-align:center;vertical-align:middle}.cost-table th{background:#eff6ff;color:#1e3a8a;font-size:.78rem;letter-spacing:.04em;text-transform:uppercase}.cost-table tbody tr:nth-child(2n){background:#f8fafc}.cost-table .capital-col,.cost-table .capital-cell{position:sticky;left:0;width:190px;text-align:left;box-shadow:1px 0 0 var(--line)}.cost-table .capital-col{z-index:2;background:#dbeafe}.cost-table .capital-cell{z-index:1;background:#fff}.cost-table tbody tr:nth-child(2n) .capital-cell{background:#f8fafc}.cost-table .capital-cell strong,.cost-table .capital-cell span,.cost-table .cost-value strong,.cost-table .cost-value span{display:block}.cost-table .capital-cell strong{color:var(--text);line-height:1.2}.cost-table .capital-cell span,.cost-table .cost-value span{margin-top:3px;color:var(--muted);font-size:.74rem;letter-spacing:0;text-transform:none}.cost-table .region-head{border-left:2px solid #bfdbfe;background:#dbeafe;font-size:.82rem;text-align:center}.cost-table .region-head-peripheral{border-left-color:#bbf7d0;background:#dcfce7;color:#14532d}.cost-table .profile-head{width:106px;line-height:1.2;white-space:normal}.cost-table .group-start{border-left:2px solid #d7e3f5}.cost-table .cost-value{white-space:nowrap}.cost-table .cost-value strong{color:var(--primary-dark);font-size:.92rem;line-height:1.2}.source-box{margin-top:22px;padding:20px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.source-box h3{margin:0 0 8px}.source-box p,.source-box li{color:var(--muted)}.source-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}.source-links a{display:inline-flex;align-items:center;min-height:34px;border:1px solid var(--line);border-radius:999px;padding:7px 12px;background:#f8fafc;color:var(--primary);font-size:.86rem;font-weight:800}.related-section{margin-top:42px;padding-top:42px;border-top:1px solid var(--line)}.related-card,.related-card:hover{color:var(--text)}.cta-band{display:flex;align-items:center;justify-content:space-between;gap:24px;margin:42px 0;padding:30px;border-radius:var(--radius);background:linear-gradient(135deg,#1d4ed8,#0f766e);color:#fff}.cta-band h2{margin:0;line-height:1.14}.cta-band p{margin:8px 0 0;color:#ffffffdb}.breadcrumb{padding:24px 0 0;color:var(--muted);font-size:.92rem}.breadcrumb ol{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}.breadcrumb li:not(:last-child):after{margin-left:8px;color:#94a3b8;content:"/"}.page-intro{padding:48px 0 30px}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:32px;align-items:start}.sidebar{position:sticky;top:96px;display:grid;gap:16px}.prose{max-width:780px}.prose h2,.prose h3{margin:32px 0 10px;line-height:1.18}.prose h2{font-size:clamp(1.55rem,3vw,2.1rem)}.prose h3{font-size:1.28rem}.prose p,.prose li{color:#26354a}.prose a{color:var(--primary);font-weight:800;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}.prose ul,.prose ol{padding-left:1.25rem}.prose blockquote{margin:24px 0;padding:18px 22px;border-left:4px solid var(--primary);border-radius:0 var(--radius) var(--radius) 0;background:#eff6ff;color:var(--text)}.calculator-layout{display:grid;grid-template-columns:minmax(0,1.05fr) 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16px;border-radius:var(--radius);background:#eff6ff;color:#1e3a8a}.faq-section{margin-top:42px}.faq-list{display:grid;gap:12px}.faq-list details{border:1px solid var(--line);border-radius:var(--radius);background:var(--surface)}.faq-list summary{cursor:pointer;padding:16px 18px;color:var(--text);font-weight:850}.faq-list p{margin:0;padding:0 18px 18px;color:var(--muted)}.ad-placeholder{display:grid;place-items:center;border:1px dashed #cbd5e1;border-radius:var(--radius);background:#f1f5f9;color:#64748b;font-size:.82rem;font-weight:800;text-align:center}.ad-horizontal{min-height:112px;margin:34px 0}.ad-sidebar{min-height:280px}.notice{padding:16px 18px;border:1px solid rgba(245,158,11,.35);border-radius:var(--radius);background:#fffbeb;color:#854d0e}.site-footer{margin-top:70px;padding:52px 0 26px;border-top:1px solid var(--line);background:#fff}.footer-grid{display:grid;grid-template-columns:minmax(0,1.6fr) repeat(2,minmax(160px,.7fr));gap:36px}.footer-grid p{max-width:560px;color:var(--muted)}.footer-grid h2{margin:0 0 12px;font-size:.92rem;text-transform:uppercase;letter-spacing:.08em}.footer-grid a:not(.brand){display:block;margin:9px 0;color:var(--muted);font-weight:700}.footer-bottom{display:flex;justify-content:space-between;gap:16px;margin-top:36px;padding-top:20px;border-top:1px solid var(--line);color:var(--muted);font-size:.9rem}@media (max-width: 900px){.brand-copy small{display:none}.menu-toggle{display:inline-grid;place-items:center}.site-nav{position:absolute;inset:74px 16px auto;display:none;flex-direction:column;align-items:stretch;padding:10px;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);box-shadow:var(--shadow)}.site-nav.is-open{display:flex}.hero-grid,.calculator-layout,.content-layout,.grid-2,.grid-3,.footer-grid{grid-template-columns:1fr}.results-panel,.sidebar{position:static}}@media (max-width: 640px){.container{width:min(100% - 24px,1120px)}.section{padding:48px 0}.hero{padding-top:42px}.hero-media{aspect-ratio:1 / .92}.hero-media img{height:118%;object-position:center 62%;transform:translateY(-9%)}.hero-metrics{grid-template-columns:1fr}.capital-highlight{grid-template-columns:44px minmax(0,1fr)}.capital-highlight>svg{display:none}.hero-actions,.button-row,.cta-band,.footer-bottom,.article-card footer{align-items:stretch;flex-direction:column}.button{width:100%}.calculator-form{grid-template-columns:1fr}.calculator-panel,.results-panel,.card,.cta-band{padding:18px}}