@import url(https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Space+Grotesk:wght@500;600;700&display=swap);:root{font-family:"DM Sans",system-ui,sans-serif;color:#142744;background:#f5f8fc}*{box-sizing:border-box}body{margin:0;line-height:1.55}a{color:#1353ab;text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:1140px;margin:auto;padding:0 24px}.top{background:#102a4e;color:white}.top-inner{height:72px;display:flex;align-items:center;justify-content:space-between;gap:16px}.brand{color:#fff;font:700 1.35rem "Space Grotesk",sans-serif;letter-spacing:-.04em}.brand span{color:#61d6bb}.navbtn{border:1px solid #66809e;color:white;background:none;border-radius:9px;padding:10px 14px;font:inherit;cursor:pointer}.nav{display:none;background:#18395f;padding:18px 0 24px}.nav.open{display:block}.nav-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px 25px}.nav a{color:#e3eefb;padding:7px 0;font-size:.91rem}.hero{padding:38px 0 12px}.crumb{font-size:.88rem;color:#60728c;margin-bottom:12px}.crumb a{color:#456080}h1,h2,h3{font-family:"Space Grotesk",sans-serif;letter-spacing:-.035em;line-height:1.18}h1{font-size:clamp(2rem,4vw,3rem);margin:0 0 8px}h2{font-size:1.55rem;margin:0 0 16px}.intro{color:#54657d;margin:0 0 22px}.card{background:#fff;border:1px solid #dce5f0;border-radius:20px;box-shadow:0 12px 32px rgba(24,55,92,.055)}.calculator{padding:26px;max-width:820px}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field label{display:block;font-weight:700;font-size:.92rem;margin-bottom:8px}.field input,.field select{width:100%;height:58px;border:1.5px solid #b9cadc;border-radius:11px;font:600 1.35rem "Space Grotesk",sans-serif;color:#12284a;padding:0 16px;background:white}.field input:focus,.field select:focus{outline:3px solid #c0eee4;border-color:#168a76}.result{background:#e9f8f4;border-radius:13px;padding:18px;margin-top:20px;color:#175a51}.result small{display:block;font-weight:700;color:#35766c}.result strong{font:700 clamp(1.45rem,4vw,2.3rem) "Space Grotesk",sans-serif;overflow-wrap:anywhere}.hint{font-size:.9rem;color:#64758b;margin:14px 0 0}.page{display:grid;grid-template-columns:minmax(0,820px) 1fr;gap:28px;margin:26px auto 70px}.content{min-width:0}.section{padding:25px;margin-bottom:20px}.section p{color:#41546e}.formula{background:#edf3fa;padding:15px;border-radius:10px;font-weight:600}.table-wrap{overflow-x:auto}table{width:100%;border-collapse:collapse}th,td{text-align:left;padding:11px;border-bottom:1px solid #e3eaf1}th{background:#f5f8fb}.side{align-self:start;position:sticky;top:20px}.side h3{margin:0 0 12px}.side a{display:block;padding:9px 0;border-top:1px solid #e5edf5}.pill{display:inline-block;background:#d9f6ec;color:#126150;border-radius:20px;padding:5px 11px;font-size:.79rem;font-weight:700;margin-bottom:13px}.tools-list{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.tool-link{display:block;background:#fff;border:1px solid #dce5f0;border-radius:12px;padding:17px;color:#173960;font-weight:700}.tool-link:hover{border-color:#46b7a1;text-decoration:none}.tool-link small{display:block;color:#657993;font-weight:400;margin-top:4px}.category{scroll-margin-top:25px;margin:30px 0}.footer{background:#102a4e;color:#cfdbeb;padding:30px 0}.footer a{color:#d8eff3}.ad-slot{min-height:110px;border:1px dashed #d5deea;border-radius:12px;display:grid;place-items:center;color:#8292a6;font-size:.75rem;margin:20px 0}.faq details{border-top:1px solid #e1e9f2;padding:15px 0}.faq summary{font-weight:700;cursor:pointer}.faq p{margin-bottom:0}#error{color:#ad3737;margin:10px 0 0}.inline-fields{margin-top:18px}.split{display:flex;gap:14px;align-items:center}.split>*{flex:1}@media(max-width:850px){.page{display:block}.side{position:static;margin-top:20px}.nav-grid{grid-template-columns:repeat(2,1fr)}.tools-list{grid-template-columns:repeat(2,1fr)}}@media(max-width:560px){.wrap{padding:0 16px}.top-inner{height:64px}.grid2,.tools-list{grid-template-columns:1fr}.calculator,.section{padding:20px}.nav-grid{grid-template-columns:1fr 1fr;gap:3px 12px}.hero{padding-top:27px}h1{font-size:2.1rem}}.answer{font:700 1.2rem "Space Grotesk",sans-serif;color:#12284a;margin:0 0 18px;background:#fff;border-left:5px solid #46b7a1;padding:12px 16px;border-radius:0 12px 12px 0;max-width:820px}.answer b{color:#126150}
.swap{display:inline-block;margin-top:12px;font-weight:600;font-size:.92rem}
.content ul,.content ol{color:#41546e;padding-left:20px}.content li{margin:6px 0}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;margin:0}.facts div{background:#f5f8fb;border-radius:12px;padding:14px}.facts dt{font-size:.8rem;color:#60728c;font-weight:700;text-transform:uppercase;letter-spacing:.04em}.facts dd{margin:4px 0 0;font:700 1.15rem "Space Grotesk",sans-serif;color:#12284a}
.tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px}.tabs button{border:1.5px solid #b9cadc;background:#fff;border-radius:999px;padding:9px 16px;font:600 .92rem "DM Sans",sans-serif;color:#173960;cursor:pointer}.tabs button[aria-selected=true]{background:#102a4e;border-color:#102a4e;color:#fff}
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.splits{max-height:420px;overflow:auto;margin-top:16px}
.footer nav{display:flex;flex-wrap:wrap;gap:6px 18px;margin:10px 0}.footer p{font-size:.85rem;color:#a9bbd2}
.lang{font-size:.85rem;color:#a9bbd2}.lang a{color:#d8eff3}
.legal h2{font-size:1.2rem;margin-top:26px}
@media(max-width:560px){.grid3{grid-template-columns:1fr 1fr}.answer{font-size:1.05rem}}
.btn{display:inline-block;background:#102a4e;color:#fff;border:0;border-radius:10px;padding:11px 18px;font:600 .95rem "DM Sans",sans-serif;cursor:pointer}.btn:hover{background:#18395f;text-decoration:none}
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.cols2{columns:2;column-gap:28px}.cols2 .table-wrap{break-inside:avoid}
.worksheet li{margin:10px 0}
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