:root{--bg:#f6f9fc;--bg-card:#ffffff;--bg-card-subtle:#f8fafc;--text:#0b1a2f;--text-secondary:#2c3e50;--text-muted:#64748b;--border:#e2e8f0;--border-focus:#1a5c9e;--shadow:0 8px 30px rgba(0,20,40,0.08);--shadow-hover:0 16px 40px rgba(0,20,40,0.12);--primary:#1a5c9e;--primary-light:#e8f0fe;--primary-dark:#0e3b6b;--primary-contrast:#ffffff;--accent:#0284c7;--success:#059669;--success-bg:#ecfdf5;--warning:#d97706;--warning-bg:#fffbeb;--danger:#dc2626;--danger-bg:#fef2f2;--radius:14px;--radius-sm:8px;--radius-pill:9999px;--transition:0.25s cubic-bezier(0.4,0,0.2,1);--nav-bg:rgba(255,255,255,0.88);--footer-bg:#0b1a2f;--footer-text:#cbd5e1;--footer-border:#1e2f44;--badge-bg:#e8f0fe;--badge-text:#1a5c9e;--input-bg:#ffffff}[data-theme="dark"]{--bg:#0a1420;--bg-card:#142433;--bg-card-subtle:#0f1c29;--text:#eef3f8;--text-secondary:#c8d6e5;--text-muted:#8a9fb0;--border:#253a4f;--border-focus:#4a8fd4;--shadow:0 8px 30px rgba(0,0,0,0.5);--shadow-hover:0 16px 40px rgba(0,0,0,0.7);--primary:#4a8fd4;--primary-light:#1a3050;--primary-dark:#6aafee;--primary-contrast:#ffffff;--accent:#38bdf8;--success:#10b981;--success-bg:#064e3b;--warning:#f59e0b;--warning-bg:#451a03;--danger:#ef4444;--danger-bg:#450a0a;--nav-bg:rgba(10,20,32,0.92);--footer-bg:#060e18;--footer-text:#9aafc0;--footer-border:#1a2a3a;--badge-bg:#1a3050;--badge-text:#6aafee;--input-bg:#101d2a}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;font-size:16px}body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;background-color:var(--bg);color:var(--text);line-height:1.6;padding-top:68px;min-height:100vh;display:flex;flex-direction:column}a{color:var(--primary);text-decoration:none;transition:color var(--transition)}a:hover{color:var(--primary-dark)}.container{max-width:1200px;margin:0 auto;padding:0 20px;width:100%}.skip-link{position:absolute;top:-40px;left:10px;background:var(--primary);color:#fff;padding:8px 16px;z-index:10000;border-radius:var(--radius-sm);transition:top 0.2s}.skip-link:focus{top:10px}.site-header{position:fixed;top:0;left:0;width:100%;height:68px;background:var(--nav-bg);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-bottom:1px solid var(--border);z-index:1000;display:flex;align-items:center}.header-inner{display:flex;align-items:center;justify-content:space-between;width:100%}.brand{display:flex;align-items:center;gap:10px;font-family:'Outfit',sans-serif;font-size:1.35rem;font-weight:700;color:var(--text);letter-spacing:-0.02em}.brand-mark{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:10px;background:var(--primary-light);color:var(--primary);font-size:1.2rem}.brand-name{color:var(--text)}.brand-dot{color:var(--primary)}.main-nav ul{display:flex;align-items:center;gap:10px;list-style:none}.nav-link{font-size:0.92rem;font-weight:500;color:var(--text-secondary);padding:8px 14px;border-radius:var(--radius-sm);background:transparent;border:none;cursor:pointer;display:inline-flex;align-items:center;gap:6px;transition:all var(--transition)}.nav-link:hover,.nav-link:focus-visible{color:var(--primary);background:var(--primary-light)}.has-mega{position:relative}.mega-panel{display:none;position:absolute;top:100%;left:0;background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-hover);padding:16px;width:440px;grid-template-columns:1fr 1fr;gap:10px;z-index:1050}.has-mega:hover .mega-panel,.has-mega:focus-within .mega-panel{display:grid}.mega-panel a{font-size:0.88rem;color:var(--text-secondary);padding:8px 10px;border-radius:var(--radius-sm);display:block}.mega-panel a:hover{background:var(--primary-light);color:var(--primary)}.header-actions{display:flex;align-items:center;gap:10px}.icon-btn{width:40px;height:40px;border-radius:var(--radius-pill);background:var(--input-bg);border:1px solid var(--border);color:var(--text-secondary);display:inline-flex;align-items:center;justify-content:center;cursor:pointer;transition:all var(--transition)}.icon-btn:hover{background:var(--primary-light);color:var(--primary);border-color:var(--primary)}[data-theme="dark"] .icon-sun{display:inline-block}[data-theme="dark"] .icon-moon{display:none}:root:not([data-theme="dark"]) .icon-sun{display:none}:root:not([data-theme="dark"]) .icon-moon{display:inline-block}.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px}.hamburger span{display:block;width:24px;height:2px;background:var(--text);border-radius:2px;transition:var(--transition)}.breadcrumb{padding:16px 0;background:transparent;border-bottom:1px solid var(--border);font-size:0.85rem}.breadcrumb-inner{display:flex;align-items:center;flex-wrap:wrap;gap:8px;color:var(--text-muted)}.breadcrumb-inner a{color:var(--text-muted)}.breadcrumb-inner a:hover{color:var(--primary)}.breadcrumb-inner span[aria-current="page"]{color:var(--text);font-weight:600}.hero{padding:48px 0 28px;text-align:center}.eyebrow{display:inline-flex;align-items:center;gap:6px;font-size:0.82rem;font-weight:700;text-transform:uppercase;letter-spacing:0.06em;padding:4px 14px;background:var(--badge-bg);color:var(--badge-text);border-radius:var(--radius-pill);margin-bottom:14px}.hero h1{font-family:'Outfit',sans-serif;font-size:clamp(2.1rem,4vw,3rem);font-weight:800;letter-spacing:-0.03em;line-height:1.2;margin-bottom:14px;color:var(--text)}.hero-sub{font-size:1.1rem;color:var(--text-secondary);max-width:760px;margin:0 auto 20px;line-height:1.6}.hero-trust{display:flex;justify-content:center;gap:20px;flex-wrap:wrap;font-size:0.86rem;color:var(--text-muted);margin-top:10px}.hero-trust span{display:inline-flex;align-items:center;gap:6px}.calc-section{padding:20px 0 50px}.calc-container{display:grid;grid-template-columns:1.2fr 1fr;gap:28px;align-items:start}.calc-card,.result-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px}.calc-header{margin-bottom:20px}.calc-header h2{font-family:'Outfit',sans-serif;font-size:1.5rem;font-weight:700;color:var(--text);margin-bottom:6px}.calc-header p{font-size:0.92rem;color:var(--text-muted)}.presets-group{margin-bottom:20px;padding:14px;background:var(--bg-card-subtle);border:1px solid var(--border);border-radius:var(--radius-sm)}.presets-label{font-size:0.8rem;font-weight:700;text-transform:uppercase;letter-spacing:0.05em;color:var(--text-muted);margin-bottom:8px;display:block}.presets-buttons{display:flex;flex-wrap:wrap;gap:8px}.btn-preset{font-size:0.78rem;font-weight:600;padding:6px 12px;border-radius:var(--radius-pill);background:var(--bg-card);border:1px solid var(--border);color:var(--text-secondary);cursor:pointer;transition:all var(--transition)}.btn-preset:hover,.btn-preset.active{background:var(--primary);color:#fff;border-color:var(--primary)}.form-section-title{font-size:0.95rem;font-weight:700;color:var(--text);margin:18px 0 10px;padding-bottom:4px;border-bottom:1px solid var(--border)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form-group{display:flex;flex-direction:column;gap:6px}.form-group.full-width{grid-column:1 / -1}label{font-size:0.88rem;font-weight:600;color:var(--text)}.label-hint{font-size:0.76rem;font-weight:400;color:var(--text-muted);margin-left:4px}.input-wrapper{position:relative;display:flex;align-items:center}input,select{width:100%;height:44px;padding:0 14px;font-family:inherit;font-size:0.95rem;color:var(--text);background:var(--input-bg);border:1px solid var(--border);border-radius:var(--radius-sm);transition:border-color var(--transition),box-shadow var(--transition)}input:focus,select:focus{outline:none;border-color:var(--border-focus);box-shadow:0 0 0 3px rgba(26,92,158,0.15)}.input-addon{position:absolute;right:12px;font-size:0.85rem;font-weight:600;color:var(--text-muted);pointer-events:none}.input-with-addon input{padding-right:54px}.form-actions{display:flex;gap:12px;margin-top:20px;flex-wrap:wrap}.btn{height:44px;padding:0 20px;border-radius:var(--radius-sm);font-family:inherit;font-size:0.92rem;font-weight:600;display:inline-flex;align-items:center;justify-content:center;gap:8px;cursor:pointer;transition:all var(--transition);border:1px solid transparent}.btn-primary{background:var(--primary);color:var(--primary-contrast)}.btn-primary:hover{background:var(--primary-dark)}.btn-secondary{background:var(--bg-card-subtle);border-color:var(--border);color:var(--text-secondary)}.btn-secondary:hover{background:var(--border);color:var(--text)}.result-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px;padding-bottom:14px;border-bottom:1px solid var(--border)}.result-header h3{font-family:'Outfit',sans-serif;font-size:1.35rem;font-weight:700;color:var(--text)}.result-badge{font-size:0.78rem;font-weight:700;padding:4px 10px;border-radius:var(--radius-pill);background:var(--success-bg);color:var(--success)}.result-badge.warning{background:var(--warning-bg);color:var(--warning)}.result-badge.danger{background:var(--danger-bg);color:var(--danger)}.metrics-highlight-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:22px}.metric-box{background:var(--bg-card-subtle);border:1px solid var(--border);border-radius:var(--radius-sm);padding:16px}.metric-box.featured{grid-column:1 / -1;background:var(--primary-light);border-color:rgba(26,92,158,0.2)}.metric-label{font-size:0.8rem;color:var(--text-muted);font-weight:600;text-transform:uppercase;letter-spacing:0.04em;margin-bottom:6px;display:block}.metric-value{font-family:'Outfit',sans-serif;font-size:1.8rem;font-weight:800;color:var(--text);line-height:1.2}.metric-box.featured .metric-value{color:var(--primary);font-size:2.2rem}.metric-unit{font-size:1rem;font-weight:600;color:var(--text-muted);margin-left:4px}.ure-gauge-box{margin:20px 0;padding:16px;background:var(--bg-card-subtle);border-radius:var(--radius-sm);border:1px solid var(--border)}.ure-gauge-header{display:flex;justify-content:space-between;font-size:0.85rem;font-weight:700;margin-bottom:8px}.ure-track{height:14px;background:var(--border);border-radius:var(--radius-pill);overflow:hidden;position:relative}.ure-fill{height:100%;width:0%;border-radius:var(--radius-pill);transition:width 0.5s ease-out}.ure-stats{display:flex;justify-content:space-between;font-size:0.78rem;color:var(--text-muted);margin-top:6px}.ure-advice{margin-top:10px;font-size:0.84rem;line-height:1.5;color:var(--text-secondary)}.breakdown-table{width:100%;border-collapse:collapse;margin:18px 0;font-size:0.88rem}.breakdown-table tr{border-bottom:1px solid var(--border)}.breakdown-table td{padding:9px 4px;color:var(--text-secondary)}.breakdown-table td:last-child{text-align:right;font-weight:600;color:var(--text)}.result-footer-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px;padding-top:16px;border-top:1px solid var(--border)}.btn-sm{height:36px;padding:0 14px;font-size:0.82rem}.comparison-section{margin-top:40px;background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}.comparison-section h3{font-family:'Outfit',sans-serif;font-size:1.3rem;font-weight:700;margin-bottom:16px}.comparison-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}.comparison-card{padding:16px;background:var(--bg-card-subtle);border:1px solid var(--border);border-radius:var(--radius-sm)}.comparison-card h4{font-size:0.95rem;font-weight:700;margin-bottom:10px;color:var(--text)}.comparison-card p{font-size:0.84rem;color:var(--text-secondary);margin-bottom:6px}.more-tools-section{padding:50px 0;border-top:1px solid var(--border)}.section-title{font-family:'Outfit',sans-serif;font-size:1.85rem;font-weight:700;margin-bottom:8px}.section-sub{color:var(--text-muted);font-size:0.98rem;margin-bottom:28px}.tools-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:20px}.tool-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);display:flex;flex-direction:column;transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition)}.tool-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover);border-color:var(--primary)}.tool-icon{width:48px;height:48px;border-radius:12px;background:var(--primary-light);color:var(--primary);display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:14px}.tool-card h4{font-family:'Outfit',sans-serif;font-size:1.1rem;font-weight:600;margin-bottom:8px}.tool-card h4 a{color:var(--text)}.tool-card h4 a:hover{color:var(--primary)}.tool-card p{font-size:0.88rem;color:var(--text-muted);flex-grow:1;margin-bottom:14px}.tool-arrow{font-size:0.88rem;font-weight:600;color:var(--primary);display:inline-flex;align-items:center;gap:4px}.features-section{padding:50px 0;background:var(--bg-card-subtle);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.features-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}.feature-box{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:24px}.feature-box-icon{font-size:1.8rem;margin-bottom:12px}.feature-box h4{font-family:'Outfit',sans-serif;font-size:1.1rem;font-weight:700;margin-bottom:8px}.feature-box p{font-size:0.88rem;color:var(--text-secondary);line-height:1.6}.how-section{padding:50px 0}.steps-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px;margin-top:24px}.step-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:22px;position:relative}.step-num{width:32px;height:32px;border-radius:50%;background:var(--primary);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:0.9rem;margin-bottom:14px}.step-card h4{font-family:'Outfit',sans-serif;font-size:1.05rem;font-weight:600;margin-bottom:6px}.step-card p{font-size:0.86rem;color:var(--text-secondary)}.article-section{padding:50px 0;border-top:1px solid var(--border)}.article-content{max-width:860px;margin:0 auto}.article-content h2{font-family:'Outfit',sans-serif;font-size:1.85rem;font-weight:700;margin:28px 0 14px;color:var(--text)}.article-content h2:first-child{margin-top:0}.article-content h3{font-family:'Outfit',sans-serif;font-size:1.3rem;font-weight:600;margin:22px 0 10px;color:var(--text)}.article-content p{font-size:1rem;color:var(--text-secondary);line-height:1.8;margin-bottom:16px}.article-callout{background:var(--primary-light);border-left:4px solid var(--primary);padding:16px 20px;border-radius:0 var(--radius-sm) var(--radius-sm) 0;margin:22px 0;font-size:0.95rem;color:var(--text)}.faq-section{padding:50px 0;border-top:1px solid var(--border);background:var(--bg-card-subtle)}.faq-list{max-width:860px;margin:24px auto 0;display:flex;flex-direction:column;gap:14px}.faq-item{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden}.faq-question{width:100%;padding:18px 20px;text-align:left;background:none;border:none;font-family:'Outfit',sans-serif;font-size:1.05rem;font-weight:600;color:var(--text);cursor:pointer;display:flex;justify-content:space-between;align-items:center;transition:color var(--transition)}.faq-question:hover{color:var(--primary)}.faq-icon{font-size:1.2rem;transition:transform var(--transition)}.faq-item.active .faq-icon{transform:rotate(45deg)}.faq-answer{display:none;padding:0 20px 20px;font-size:0.94rem;color:var(--text-secondary);line-height:1.7}.faq-item.active .faq-answer{display:block}.cta-section{padding:50px 0;text-align:center;background:var(--bg-card);border-top:1px solid var(--border)}.cta-inner{max-width:700px;margin:0 auto}.cta-inner h2{font-family:'Outfit',sans-serif;font-size:2rem;font-weight:700;margin-bottom:12px}.cta-inner p{font-size:1.05rem;color:var(--text-secondary);margin-bottom:24px}.cta-buttons{display:flex;justify-content:center;gap:14px;flex-wrap:wrap}.footer{background:var(--footer-bg);color:var(--footer-text);padding:50px 0 24px;margin-top:auto;border-top:1px solid var(--footer-border)}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr;gap:32px}.footer-col h5{font-family:'Outfit',sans-serif;font-size:1rem;font-weight:600;color:#ffffff;margin-bottom:16px}.footer-col p{font-size:0.88rem;line-height:1.7;color:var(--footer-text)}.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:8px}.footer-col a{color:var(--footer-text);font-size:0.86rem}.footer-col a:hover{color:#ffffff}.footer-bottom{grid-column:1 / -1;border-top:1px solid var(--footer-border);padding-top:24px;margin-top:16px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;font-size:0.82rem}.footer-bottom a{color:var(--footer-text)}.footer-bottom a:hover{color:#ffffff}.legal-links{display:flex;gap:18px}.disclaimer-note{font-size:0.78rem;color:var(--text-muted);text-align:center;padding:16px 0;background:var(--bg);border-top:1px solid var(--border)}.cookie-banner{position:fixed;bottom:0;left:0;width:100%;background:var(--bg-card);border-top:1px solid var(--border);box-shadow:0 -4px 20px rgba(0,0,0,0.1);padding:14px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;z-index:9999;transition:transform 0.3s ease,opacity 0.3s ease}.cookie-banner.hidden{transform:translateY(100%);opacity:0;pointer-events:none}.cookie-banner p{font-size:0.88rem;color:var(--text-secondary)}.cookie-actions{display:flex;gap:10px;flex-shrink:0}.btn-cookie{padding:8px 18px;border-radius:var(--radius-pill);font-size:0.84rem;font-weight:600;cursor:pointer;border:1px solid transparent;transition:all var(--transition)}.btn-cookie.accept{background:var(--primary);color:#fff}.btn-cookie.accept:hover{background:var(--primary-dark)}.btn-cookie.dismiss{background:var(--bg-card-subtle);border-color:var(--border);color:var(--text-secondary)}.btn-cookie.dismiss:hover{background:var(--border)}@media (max-width:992px){.calc-container{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr;gap:28px}.footer-col:first-child{grid-column:1 / -1}}@media (max-width:768px){body{padding-top:64px}.hamburger{display:flex}.main-nav{position:fixed;top:68px;left:0;width:100%;background:var(--nav-bg);border-bottom:1px solid var(--border);padding:16px;display:none;box-shadow:var(--shadow)}.main-nav.open{display:block}.main-nav ul{flex-direction:column;align-items:stretch;gap:8px}.has-mega .mega-panel{position:static;width:100%;box-shadow:none;border:1px solid var(--border);margin-top:8px}.form-grid{grid-template-columns:1fr}.metrics-highlight-grid{grid-template-columns:1fr}.cookie-banner{flex-direction:column;text-align:center}}@media (max-width:480px){.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column;text-align:center}.legal-links{justify-content:center}}