:root{--bg:#f6f8fb;--card:#fff;--ink:#0f172a;--muted:#475569;--line:#e2e8f0;--brand:#0f766e;--brand2:#115e59;--accent:#f59e0b;--ok:#15803d;--bad:#b91c1c;--soft:#ecfdf5;--radius:14px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Ubuntu,"Helvetica Neue",Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6;font-size:16px}
a{color:var(--brand2)}
a:hover{color:var(--brand)}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
header.top{background:#0b3b38;color:#fff}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:60px;flex-wrap:wrap}
.logo{color:#fff;text-decoration:none;font-weight:800;font-size:1.25rem;letter-spacing:-.02em;display:flex;align-items:center;gap:8px}
.logo b{color:#5eead4}
.logo .ico{display:inline-grid;place-items:center;width:32px;height:32px;border-radius:9px;background:#14b8a6;color:#062f2c;font-weight:900}
nav.main{display:flex;gap:4px;flex-wrap:wrap}
nav.main a{color:#ccfbf1;text-decoration:none;padding:8px 10px;border-radius:8px;font-size:.92rem;font-weight:600}
nav.main a:hover,nav.main a.on{background:rgba(255,255,255,.12);color:#fff}
.ticker{background:#062f2c;color:#99f6e4;font-size:.82rem}
.ticker .wrap{display:flex;gap:18px;overflow-x:auto;white-space:nowrap;padding-top:6px;padding-bottom:6px}
.ticker b{color:#fff}
.crumbs{font-size:.85rem;color:var(--muted);margin:16px 0 4px}
.crumbs a{color:var(--muted)}
h1{font-size:clamp(1.55rem,3.6vw,2.2rem);line-height:1.2;margin:.3em 0 .4em;letter-spacing:-.02em}
h2{font-size:1.35rem;margin:1.6em 0 .6em;letter-spacing:-.01em}
h3{font-size:1.08rem;margin:1.2em 0 .4em}
.lead{font-size:1.08rem;color:var(--muted);margin-top:0}
.grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:26px;align-items:start}
@media(max-width:900px){.grid{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px;margin:0 0 18px}
.answer{background:linear-gradient(135deg,#ecfdf5,#f0fdfa);border:1px solid #99f6e4;border-radius:var(--radius);padding:20px;margin:6px 0 18px}
.answer .big{font-size:clamp(1.8rem,5vw,2.6rem);font-weight:800;color:var(--brand2);letter-spacing:-.02em;line-height:1.1}
.answer .sub{color:var(--muted);font-size:.95rem}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:12px 0}
.kpi{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px}
.kpi span{display:block;font-size:.8rem;color:var(--muted)}
.kpi strong{font-size:1.15rem}
table{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:12px;margin:10px 0 16px}
th,td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:#f1f5f9;font-size:.85rem;color:#334155;font-weight:700}
td.n,th.n{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
tr.total td{font-weight:800;background:#f8fafc}
tr.hl td{background:#fefce8}
.neg{color:var(--bad)}
.pos{color:var(--ok)}
form.calc{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:12px;align-items:end}
form.calc label{font-size:.85rem;font-weight:700;color:#334155;display:block;margin-bottom:4px}
form.calc input,form.calc select{width:100%;padding:11px 12px;border:1px solid #cbd5e1;border-radius:10px;font-size:1rem;background:#fff;color:var(--ink)}
form.calc input:focus,form.calc select:focus{outline:2px solid #5eead4;border-color:var(--brand)}
.btn{display:inline-block;background:var(--brand);color:#fff;border:0;border-radius:10px;padding:12px 18px;font-weight:800;font-size:1rem;cursor:pointer;text-decoration:none;text-align:center}
.btn:hover{background:var(--brand2);color:#fff}
.form-actions{grid-column:1/-1;margin-top:6px}
.steps{counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding:10px 0 10px 40px;border-bottom:1px dashed var(--line)}
.steps li:before{content:counter(s);position:absolute;left:0;top:10px;width:26px;height:26px;border-radius:50%;background:var(--soft);color:var(--brand2);font-weight:800;display:grid;place-items:center;font-size:.85rem}
.note{font-size:.88rem;color:var(--muted);background:#f8fafc;border-left:4px solid #94a3b8;padding:10px 14px;border-radius:0 10px 10px 0;margin:14px 0}
.warn{font-size:.9rem;background:#fffbeb;border-left:4px solid var(--accent);padding:10px 14px;border-radius:0 10px 10px 0;margin:14px 0}
.src{font-size:.82rem;color:var(--muted)}
details{border:1px solid var(--line);border-radius:12px;padding:12px 16px;background:#fff;margin:8px 0}
details summary{cursor:pointer;font-weight:700}
details p{margin:.6em 0 0}
.links{display:flex;flex-wrap:wrap;gap:8px;margin:8px 0}
.links a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 12px;text-decoration:none;font-size:.9rem;color:#0f172a}
.links a:hover{border-color:var(--brand);color:var(--brand2)}
.tools{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px}
.tool{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px;text-decoration:none;color:var(--ink);transition:border-color .15s}
.tool:hover{border-color:var(--brand)}
.tool strong{display:block;font-size:1.02rem;margin-bottom:4px}
.tool span{font-size:.9rem;color:var(--muted)}
aside .card h3{margin-top:0}
aside ul{padding-left:18px;margin:0}
aside li{margin:4px 0}
footer.site{background:#0b1f1e;color:#cbd5e1;margin-top:40px;padding:34px 0 20px;font-size:.92rem}
footer.site a{color:#99f6e4;text-decoration:none}
footer.site .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px}
footer.site h4{color:#fff;margin:0 0 8px;font-size:.95rem}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin:5px 0}
footer.site .legal{border-top:1px solid #1f3b39;margin-top:22px;padding-top:14px;font-size:.82rem;color:#94a3b8}
.updated{font-size:.82rem;color:var(--muted)}
.pill{display:inline-block;background:var(--soft);color:var(--brand2);border-radius:999px;padding:2px 10px;font-size:.8rem;font-weight:700}
.prose p{margin:.7em 0}
.prose ul{padding-left:20px}