:root{--ink:#0e1514;--muted:#56615f;--line:#dce3e1;--paper:#fff;--soft:#f3f7f6;--green:#1f554a;--dark:#0b1211;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}a{color:inherit}.container{width:min(var(--max),calc(100% - 40px));margin:auto}.header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo{font-weight:850;text-decoration:none;font-size:1.25rem;letter-spacing:-.03em}.navlinks{display:flex;gap:22px;align-items:center;font-size:.94rem}.navlinks a{text-decoration:none;color:var(--muted)}.button{display:inline-flex;align-items:center;justify-content:center;padding:12px 17px;border:1px solid var(--ink);font-weight:750;text-decoration:none;background:white}.button.dark{background:var(--ink);color:white}.hero{padding:82px 0 56px;background:linear-gradient(180deg,var(--soft),white)}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.76rem;font-weight:800;color:var(--green)}h1{font-size:clamp(2.55rem,7vw,5.75rem);line-height:.96;letter-spacing:-.055em;margin:18px 0 24px;max-width:1020px}.hero p{font-size:1.22rem;max-width:780px;color:var(--muted)}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.breadcrumb{font-size:.85rem;color:var(--muted);padding:14px 0}.article{display:grid;grid-template-columns:minmax(0,1fr) 275px;gap:72px;padding:56px 0 80px}.prose{max-width:790px}.prose h2{font-size:clamp(1.65rem,3vw,2.5rem);line-height:1.15;letter-spacing:-.03em;margin:58px 0 18px;padding-top:8px;border-top:1px solid var(--line)}.prose h3{font-size:1.22rem;margin:32px 0 10px}.prose p,.prose li{font-size:1.04rem}.prose table{width:100%;border-collapse:collapse;display:block;overflow:auto}.prose th,.prose td{border:1px solid var(--line);padding:10px;text-align:left}.prose blockquote{margin:25px 0;padding:8px 22px;border-left:4px solid var(--green);background:var(--soft)}.toc{position:sticky;top:100px;align-self:start;border:1px solid var(--line);padding:20px;background:var(--soft)}.toc strong{display:block;margin-bottom:10px}.toc a{display:block;text-decoration:none;color:var(--muted);margin:8px 0;font-size:.9rem}.cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;padding:32px 0 70px}.card{border:1px solid var(--line);padding:24px;text-decoration:none;background:white}.card:hover{background:var(--soft)}.card h2{margin:0 0 10px;font-size:1.35rem}.card p{color:var(--muted)}.section{padding:64px 0}.dark-section{background:var(--dark);color:#fff}.dark-section p{color:#bdc8c5}.footer{background:var(--dark);color:white;padding:44px 0}.footer-grid{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}.small{font-size:.87rem;color:#aeb9b6}.calculator{max-width:820px;margin:0 auto;padding:48px 0 80px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field label{display:block;font-weight:750;margin-bottom:6px}.field input,.field select{width:100%;padding:12px;border:1px solid #aeb8b5;background:white;font-size:1rem}.result{margin-top:24px;background:var(--soft);border:1px solid var(--line);padding:22px}.notice{padding:16px;border:1px solid #d6c696;background:#fff9df;margin:20px 0}@media(max-width:850px){.article{grid-template-columns:1fr}.toc{position:static}.navlinks{display:none}.cards,.calc-grid{grid-template-columns:1fr}.hero{padding-top:58px}}