:root{--primary:#1e3a5f;--primary-light:#2d5a8e;--secondary:#0d9488;--secondary-light:#14b8a6;--accent:#f59e0b;--accent-dark:#d97706;--bg:#ffffff;--bg-alt:#f8fafc;--bg-calc:#f1f5f9;--surface:#e2e8f0;--text:#1a202c;--text-secondary:#475569;--text-muted:#94a3b8;--border:#e2e8f0;--radius:8px;--radius-lg:12px;--shadow:0 1px 3px rgba(0,0,0,.1),0 1px 2px rgba(0,0,0,.06);--shadow-md:0 4px 6px rgba(0,0,0,.07),0 2px 4px rgba(0,0,0,.06);--shadow-lg:0 10px 15px rgba(0,0,0,.1),0 4px 6px rgba(0,0,0,.05);--max-w:1200px;--font:system-ui,-apple-system,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;--font-mono:'SF Mono',SFMono-Regular,Consolas,'Liberation Mono',Menlo,monospace;}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;}
body{font-family:var(--font);color:var(--text);background:var(--bg);line-height:1.7;font-size:16px;}
.container{max-width:var(--max-w);margin:0 auto;padding:0 20px;}
a{color:var(--primary-light);text-decoration:none;transition:color .2s;}
a:hover{color:var(--secondary);}
img{max-width:100%;height:auto;}
.site-header{background:var(--bg);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px;}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:1.1rem;color:var(--primary);}
.logo:hover{color:var(--primary);}
.logo-text{white-space:nowrap;}
.main-nav .nav-list{display:flex;list-style:none;gap:4px;align-items:center;}
.nav-link{display:flex;align-items:center;gap:4px;padding:8px 14px;border-radius:var(--radius);font-size:.9rem;font-weight:500;color:var(--text-secondary);transition:all .2s;}
.nav-link:hover{background:var(--bg-alt);color:var(--primary);}
.nav-item.has-dropdown{position:relative;}
.dropdown-menu{display:none;position:absolute;top:100%;left:0;background:var(--bg);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:12px 0;min-width:220px;z-index:200;}
.nav-item.has-dropdown:hover .dropdown-menu{display:block;}
.dropdown-menu ul{list-style:none;}
.dropdown-menu a{display:block;padding:8px 20px;font-size:.88rem;color:var(--text-secondary);}
.dropdown-menu a:hover{background:var(--bg-alt);color:var(--primary);}
.mega-menu{display:none;min-width:500px;padding:20px;}
.nav-item.has-dropdown:hover .mega-menu{display:flex;gap:24px;}
.mega-col{flex:1;}
.mega-col h4{font-size:.75rem;text-transform:uppercase;letter-spacing:.05em;color:var(--text-muted);margin-bottom:8px;padding:0 0 6px;border-bottom:1px solid var(--border);}
.mobile-menu-btn{display:none;background:none;border:none;cursor:pointer;padding:8px;flex-direction:column;gap:5px;}
.mobile-menu-btn span{display:block;width:22px;height:2px;background:var(--text);border-radius:2px;transition:all .3s;}
.breadcrumb{background:var(--bg-alt);border-bottom:1px solid var(--border);padding:10px 0;}
.breadcrumb ol{display:flex;flex-wrap:wrap;list-style:none;gap:0;font-size:.85rem;}
.breadcrumb li::after{content:'/';margin:0 8px;color:var(--text-muted);}
.breadcrumb li:last-child::after{display:none;}
.breadcrumb li:last-child{color:var(--text-secondary);}
.content-grid{display:grid;grid-template-columns:1fr 300px;gap:40px;padding:32px 0;}
.content-main h1{font-size:2rem;line-height:1.3;margin-bottom:16px;color:var(--primary);}
.content-main h2{font-size:1.5rem;margin:36px 0 16px;padding-bottom:8px;border-bottom:2px solid var(--border);color:var(--primary);}
.content-main h3{font-size:1.2rem;margin:24px 0 12px;color:var(--text);}
.content-main p{margin-bottom:16px;}
.content-main ul,.content-main ol{margin:0 0 16px 24px;}
.content-main li{margin-bottom:6px;}
.content-main table{width:100%;border-collapse:collapse;margin:16px 0;font-size:.92rem;}
.content-main th{background:var(--primary);color:#fff;text-align:left;padding:10px 14px;font-weight:600;}
.content-main td{padding:10px 14px;border-bottom:1px solid var(--border);}
.content-main tr:nth-child(even) td{background:var(--bg-alt);}
.content-main code{background:var(--bg-alt);padding:2px 6px;border-radius:4px;font-family:var(--font-mono);font-size:.88rem;}
.content-main pre{background:var(--bg-calc);padding:16px;border-radius:var(--radius);overflow-x:auto;margin:16px 0;}
.content-main pre code{background:none;padding:0;}
.content-main blockquote{border-left:4px solid var(--secondary);padding:12px 20px;margin:16px 0;background:var(--bg-alt);border-radius:0 var(--radius) var(--radius) 0;}
.trust-bar{display:flex;flex-wrap:wrap;gap:16px;align-items:center;padding:12px 16px;background:var(--bg-alt);border:1px solid var(--border);border-radius:var(--radius);margin-bottom:20px;font-size:.85rem;}
.trust-label{color:var(--text-muted);}
.trust-name{font-weight:600;color:var(--primary);}
.trust-credential{color:var(--secondary);font-size:.8rem;margin-left:4px;}
.quick-answer{display:flex;gap:16px;padding:16px 20px;background:linear-gradient(135deg,#f0fdfa,#ecfdf5);border:1px solid #99f6e4;border-radius:var(--radius-lg);margin-bottom:24px;}
.qa-icon{flex-shrink:0;margin-top:2px;}
.qa-content p{margin-bottom:8px;}
.qa-formula{font-size:.9rem;}
.qa-formula code{background:rgba(13,148,136,.1);color:var(--secondary);padding:4px 10px;}
.toc{background:var(--bg-alt);border:1px solid var(--border);border-radius:var(--radius-lg);padding:20px 24px;margin-bottom:28px;}
.toc-title{font-size:1rem;margin:0 0 12px !important;padding:0 !important;border:none !important;color:var(--text) !important;}
.toc ol{margin:0 !important;padding-left:20px;counter-reset:toc;}
.toc li{margin-bottom:6px;font-size:.9rem;}
.toc a{color:var(--text-secondary);}
.toc a:hover{color:var(--secondary);}
.calculator-widget{background:var(--bg-calc);border:2px solid var(--border);border-radius:var(--radius-lg);padding:28px;margin:28px 0;}
.calc-title{font-size:1.3rem;margin:0 0 20px !important;padding:0 !important;border:none !important;color:var(--primary) !important;text-align:center;}
.calc-body{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.calc-group{display:flex;flex-direction:column;gap:6px;}
.calc-label{font-size:.85rem;font-weight:600;color:var(--text-secondary);display:flex;align-items:center;gap:6px;}
.calc-tooltip{display:inline-flex;align-items:center;justify-content:center;width:16px;height:16px;background:var(--text-muted);color:#fff;border-radius:50%;font-size:.65rem;cursor:help;position:relative;}
.calc-tooltip:hover::after{content:attr(data-tip);position:absolute;bottom:100%;left:50%;transform:translateX(-50%);background:var(--text);color:#fff;padding:6px 10px;border-radius:6px;font-size:.78rem;white-space:nowrap;font-weight:400;z-index:10;margin-bottom:6px;}
.calc-input,.calc-select{padding:10px 14px;border:1px solid var(--border);border-radius:var(--radius);font-size:.95rem;font-family:var(--font);transition:border-color .2s;background:var(--bg);width:100%;}
.calc-input:focus,.calc-select:focus{outline:none;border-color:var(--secondary);box-shadow:0 0 0 3px rgba(13,148,136,.1);}
.calc-btn{grid-column:1 / -1;padding:14px 28px;background:var(--secondary);color:#fff;border:none;border-radius:var(--radius);font-size:1.05rem;font-weight:600;cursor:pointer;transition:all .2s;font-family:var(--font);}
.calc-btn:hover{background:var(--secondary-light);transform:translateY(-1px);box-shadow:var(--shadow-md);}
.calc-results{margin-top:24px;padding-top:24px;border-top:2px solid var(--border);}
.calc-results h3{font-size:1.1rem;margin-bottom:16px;color:var(--primary);}
.result-summary{text-align:center;margin-bottom:20px;}
.result-total{font-size:2.5rem;font-weight:800;color:var(--secondary);}
.result-range{font-size:1rem;color:var(--text-secondary);margin-top:4px;}
.result-breakdown{display:grid;grid-template-columns:1fr 1fr;gap:8px;}
.result-item{display:flex;justify-content:space-between;padding:8px 12px;background:var(--bg);border-radius:var(--radius);font-size:.9rem;}
.result-item-label{color:var(--text-secondary);}
.result-item-value{font-weight:600;}
.result-chart{margin-top:20px;}
.chart-bar{display:flex;align-items:center;gap:12px;margin-bottom:8px;}
.chart-bar-label{width:100px;font-size:.82rem;text-align:right;color:var(--text-secondary);flex-shrink:0;}
.chart-bar-fill{height:24px;border-radius:4px;transition:width .6s ease;min-width:2px;}
.chart-bar-value{font-size:.82rem;font-weight:600;flex-shrink:0;}
.calc-disclaimer{font-size:.78rem;color:var(--text-muted);margin-top:16px;text-align:center;}
.result-interp{background:#fffbeb;border:1px solid #fde68a;border-radius:var(--radius);padding:16px 20px;margin-bottom:24px;}
.result-interp h3{margin-top:0;font-size:1rem;color:var(--accent-dark);}
.related-calcs{margin:28px 0;}
.related-calcs h3{font-size:1.1rem;margin-bottom:16px;}
.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;}
.related-card{display:block;padding:16px;background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);transition:all .2s;}
.related-card:hover{border-color:var(--secondary);box-shadow:var(--shadow);transform:translateY(-2px);}
.related-card h4{font-size:.95rem;color:var(--primary);margin-bottom:4px;}
.related-card p{font-size:.82rem;color:var(--text-secondary);margin:0;}
.faq-section{margin-top:32px;}
.faq-item{border:1px solid var(--border);border-radius:var(--radius);margin-bottom:8px;overflow:hidden;}
.faq-item summary{padding:14px 18px;font-weight:600;font-size:.95rem;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;transition:background .2s;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:'+';font-size:1.2rem;color:var(--text-muted);transition:transform .2s;}
.faq-item[open] summary::after{content:'−';}
.faq-item[open] summary{background:var(--bg-alt);}
.faq-answer{padding:0 18px 14px;font-size:.92rem;color:var(--text-secondary);}
.sources{margin-top:24px;}
.sources ul{list-style:none;margin:0;padding:0;}
.sources li{padding:6px 0;border-bottom:1px solid var(--border);font-size:.88rem;}
.sources a{color:var(--primary-light);}
.author-card{display:flex;gap:20px;padding:24px;background:var(--bg-alt);border:1px solid var(--border);border-radius:var(--radius-lg);margin-top:32px;}
.author-info h3{margin:0 0 4px;font-size:1.1rem;}
.author-title{font-size:.88rem;color:var(--secondary);font-weight:600;margin-bottom:8px;}
.author-bio{font-size:.88rem;color:var(--text-secondary);margin-bottom:8px;}
.author-linkedin{font-size:.85rem;color:var(--primary-light);font-weight:500;}
.content-sidebar{position:sticky;top:80px;align-self:start;}
.sidebar-widget{padding:20px;background:var(--bg-alt);border:1px solid var(--border);border-radius:var(--radius-lg);margin-bottom:20px;}
.sidebar-widget h3{font-size:1rem;margin:0 0 12px;color:var(--primary);}
.sidebar-links{list-style:none;margin:0;padding:0;}
.sidebar-links li{margin-bottom:6px;}
.sidebar-links a{font-size:.88rem;color:var(--text-secondary);display:block;padding:4px 0;}
.sidebar-links a:hover{color:var(--secondary);}
.sidebar-cta{background:linear-gradient(135deg,var(--primary),var(--primary-light));color:#fff;}
.sidebar-cta h3{color:#fff;}
.sidebar-cta p{font-size:.88rem;opacity:.9;}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:10px 24px;border-radius:var(--radius);font-weight:600;font-size:.95rem;border:2px solid transparent;cursor:pointer;transition:all .2s;text-decoration:none;}
.btn-primary{background:var(--secondary);color:#fff;border-color:var(--secondary);}
.btn-primary:hover{background:var(--secondary-light);border-color:var(--secondary-light);color:#fff;transform:translateY(-1px);}
.btn-outline{background:transparent;color:var(--primary);border-color:var(--border);}
.btn-outline:hover{border-color:var(--primary);background:var(--bg-alt);}
.btn-lg{padding:14px 32px;font-size:1.05rem;}
.hero{background:linear-gradient(135deg,var(--primary) 0%,#2d5a8e 100%);color:#fff;padding:64px 0;text-align:center;}
.hero h1{font-size:2.5rem;margin-bottom:12px;}
.hero-sub{font-size:1.15rem;opacity:.9;max-width:600px;margin:0 auto 28px;}
.hero-cta{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;}
.hero-cta .btn-outline{color:#fff;border-color:rgba(255,255,255,.3);}
.hero-cta .btn-outline:hover{border-color:#fff;background:rgba(255,255,255,.1);}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px;margin:20px 0 40px;}
.calc-card{display:block;padding:20px;background:var(--bg);border:1px solid var(--border);border-radius:var(--radius-lg);transition:all .2s;}
.calc-card:hover{border-color:var(--secondary);box-shadow:var(--shadow-md);transform:translateY(-3px);}
.calc-card h3{font-size:1rem;color:var(--primary);margin-bottom:6px;}
.calc-card p{font-size:.85rem;color:var(--text-secondary);margin:0;line-height:1.5;}
.team-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;margin:20px 0;}
.team-card{padding:20px;background:var(--bg-alt);border-radius:var(--radius-lg);border:1px solid var(--border);}
.team-card h3{margin:0 0 4px;font-size:1.05rem;}
.team-title{font-size:.85rem;color:var(--secondary);font-weight:600;margin-bottom:8px;}
.page-content{padding:40px 0;}
.page-content h1{font-size:2rem;color:var(--primary);margin-bottom:16px;}
.page-content h2{font-size:1.4rem;margin:32px 0 12px;color:var(--primary);}
.content-prose{max-width:780px;}
.content-prose p{margin-bottom:14px;line-height:1.7;}
.site-footer{background:var(--primary);color:rgba(255,255,255,.85);padding:48px 0 24px;margin-top:48px;}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px;}
.footer-logo{font-size:1.15rem;font-weight:700;color:#fff;display:inline-block;margin-bottom:12px;}
.footer-about p{font-size:.85rem;line-height:1.6;opacity:.8;}
.site-footer h4{font-size:.85rem;text-transform:uppercase;letter-spacing:.05em;margin-bottom:12px;color:var(--accent);}
.site-footer ul{list-style:none;}
.site-footer li{margin-bottom:6px;}
.site-footer a{color:rgba(255,255,255,.7);font-size:.88rem;}
.site-footer a:hover{color:#fff;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;font-size:.8rem;opacity:.6;}
.footer-disclaimer{margin-top:6px;}
.text-center{text-align:center;}
@media (max-width:1024px){.content-grid{grid-template-columns:1fr;}
.content-sidebar{position:static;display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.footer-grid{grid-template-columns:1fr 1fr;}
}
@media (max-width:768px){.mobile-menu-btn{display:flex;}
.main-nav{display:none;position:absolute;top:64px;left:0;right:0;background:var(--bg);border-bottom:1px solid var(--border);box-shadow:var(--shadow-lg);padding:12px 20px;}
.main-nav.active{display:block;}
.nav-list{flex-direction:column;gap:0;}
.nav-link{padding:12px 0;}
.dropdown-menu,.mega-menu{position:static;box-shadow:none;border:none;padding:0 0 0 16px;min-width:0;}
.nav-item.has-dropdown:hover .dropdown-menu,.nav-item.has-dropdown:hover .mega-menu{display:block;flex-direction:column;}
.hero h1{font-size:1.8rem;}
.hero-sub{font-size:1rem;}
.content-main h1{font-size:1.5rem;}
.content-main h2{font-size:1.25rem;}
.calc-body{grid-template-columns:1fr;}
.result-breakdown{grid-template-columns:1fr;}
.content-sidebar{grid-template-columns:1fr;}
.footer-grid{grid-template-columns:1fr;}
.trust-bar{flex-direction:column;gap:8px;}
.calc-grid{grid-template-columns:1fr;}
.mega-menu{min-width:0;}
}
@media print{.site-header,.site-footer,.sidebar-widget,.breadcrumb,.mobile-menu-btn{display:none;}
.content-grid{grid-template-columns:1fr;}
.calculator-widget{border:1px solid #000;break-inside:avoid;}
}