:root{--primary: #1a4f8b;--primary-light: #2d7dd2;--primary-dark: #0f2240;--accent: #c9a227;--accent-light: #dbb63e;--accent-dark: #a8871e;--emerald: #10b981;--bg-main: #f7f8fc;--bg-card: #ffffff;--bg-muted: #eef1f7;--text-main: #0f2240;--text-muted: #5a6a80;--text-light: #8694a7;--border: #dce3ed;--border-focus: #2d7dd2;--shadow-sm: 0 1px 2px 0 rgb(0 0 0 / .05);--shadow-md: 0 4px 6px -1px rgb(0 0 0 / .1), 0 2px 4px -2px rgb(0 0 0 / .1);--shadow-lg: 0 10px 15px -3px rgb(0 0 0 / .1), 0 4px 6px -4px rgb(0 0 0 / .1);--shadow-xl: 0 20px 25px -5px rgb(0 0 0 / .1), 0 8px 10px -6px rgb(0 0 0 / .1);--radius-sm: 6px;--radius-md: 10px;--radius-lg: 16px;--radius-full: 9999px;--font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;--font-display: "Playfair Display", Georgia, "Times New Roman", serif;--container-max: 1200px}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}body{font-family:var(--font-sans);background-color:var(--bg-main);color:var(--text-main);line-height:1.65;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}img,svg{display:block;max-width:100%}.container{width:100%;max-width:var(--container-max);margin-left:auto;margin-right:auto;padding-left:1.5rem;padding-right:1.5rem}.top-notice-bar{background:var(--primary-dark);color:#cdd5e0;font-size:.85rem;padding:.5rem 0;text-align:center;border-bottom:1px solid rgba(255,255,255,.1)}.top-notice-bar span{color:var(--accent-light);font-weight:600}.site-header{position:sticky;top:0;z-index:100;background:#fffffff2;backdrop-filter:blur(10px);border-bottom:1px solid var(--border);box-shadow:var(--shadow-sm)}.header-inner{display:flex;align-items:center;justify-content:space-between;height:4.5rem}.brand-link{display:flex;align-items:center;gap:.75rem;font-weight:800;font-size:1.15rem;color:var(--primary-dark);letter-spacing:-.02em}.brand-logo-img{width:2.25rem;height:2.25rem}.nav-links{display:flex;align-items:center;gap:1.5rem;list-style:none}.nav-links a{font-size:.93rem;font-weight:500;color:var(--text-main);transition:color .15s ease}.nav-links a:hover,.nav-links a.active{color:var(--primary-light)}.header-actions{display:flex;align-items:center;gap:.75rem}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.65rem 1.25rem;font-size:.95rem;font-weight:600;border-radius:var(--radius-md);border:1px solid transparent;cursor:pointer;transition:all .2s ease;text-decoration:none}.btn-primary{background:var(--primary);color:#fff;box-shadow:0 4px 12px #1a4f8b40}.btn-primary:hover{background:var(--primary-light);transform:translateY(-1px)}.btn-accent{background:var(--accent);color:#1a1500;box-shadow:0 4px 12px #c9a2274d}.btn-accent:hover{background:var(--accent-light);transform:translateY(-1px)}.btn-outline{border-color:var(--border);background:#fff;color:var(--text-main)}.btn-outline:hover{border-color:var(--primary);color:var(--primary);background:var(--bg-muted)}.badge{display:inline-flex;align-items:center;padding:.25rem .75rem;font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;border-radius:var(--radius-full)}.badge-primary{background:#d4e4f7;color:#0f2240}.badge-gold{background:#fef3c7;color:#78600a}.badge-emerald{background:#d1fae5;color:#065f46}.hero{padding:5rem 0 4rem;background:linear-gradient(180deg,#e8edf5 0%,var(--bg-main) 100%);border-bottom:1px solid var(--border)}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:3.5rem;align-items:center}.hero-title{font-family:var(--font-display);font-size:2.85rem;font-weight:800;line-height:1.15;letter-spacing:-.02em;color:var(--primary-dark);margin:1rem 0 1.25rem}.hero-title span{color:var(--accent);position:relative}.hero-desc{font-size:1.15rem;color:var(--text-muted);margin-bottom:2rem;max-width:580px}.hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:2.5rem;padding-top:2rem;border-top:1px solid var(--border)}.stat-item h3{font-size:2rem;font-weight:800;color:var(--primary);margin-bottom:.25rem}.stat-item p{font-size:.85rem;color:var(--text-muted);font-weight:500}.section{padding:4.5rem 0}.section-header{text-align:center;max-width:700px;margin:0 auto 3.5rem}.section-title{font-family:var(--font-display);font-size:2.25rem;font-weight:700;color:var(--primary-dark);margin:.75rem 0;letter-spacing:-.01em}.section-subtitle{color:var(--text-muted);font-size:1.05rem}.cards-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:2rem}.card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:2rem;box-shadow:var(--shadow-sm);transition:all .25s ease;display:flex;flex-direction:column}.card:hover{box-shadow:var(--shadow-md);border-color:#b8c6d9;transform:translateY(-2px)}.card-icon{width:3rem;height:3rem;border-radius:var(--radius-md);background:#e8edf5;color:var(--primary-light);display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:1.25rem}.card-title{font-size:1.3rem;font-weight:700;margin-bottom:.75rem;color:var(--primary-dark)}.card-text{color:var(--text-muted);font-size:.95rem;margin-bottom:1.5rem;flex-grow:1}.calc-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:2.25rem;box-shadow:var(--shadow-lg)}.calc-input-group{margin-bottom:1.5rem}.calc-label{display:flex;justify-content:space-between;font-weight:600;font-size:.95rem;margin-bottom:.5rem}.calc-range{width:100%;accent-color:var(--primary-light)}.calc-select,.form-input,.form-textarea{width:100%;padding:.75rem 1rem;border-radius:var(--radius-md);border:1px solid var(--border);background:#fff;font-family:inherit;font-size:.95rem;color:var(--text-main);transition:border-color .2s ease}.calc-select:focus,.form-input:focus,.form-textarea:focus{outline:none;border-color:var(--border-focus);box-shadow:0 0 0 3px #2d7dd226}.form-textarea{resize:vertical;min-height:120px}.calc-results-box{background:#f3f5fa;border:1px solid var(--border);border-radius:var(--radius-md);padding:1.5rem;margin-top:1.5rem}.result-metric{display:flex;justify-content:space-between;align-items:center;padding:.75rem 0;border-bottom:1px solid var(--border)}.result-metric:last-child{border-bottom:none}.metric-value{font-size:1.25rem;font-weight:700;color:var(--primary)}.page-header{padding:3.5rem 0;background:linear-gradient(180deg,#e8edf5 0%,var(--bg-main) 100%);border-bottom:1px solid var(--border)}.page-header h1{font-family:var(--font-display);font-size:2.5rem;font-weight:700;color:var(--primary-dark);margin:.5rem 0}.page-header p{font-size:1.1rem;color:var(--text-muted);max-width:650px}.prose{max-width:800px;line-height:1.75;color:var(--text-main)}.prose h2{font-family:var(--font-display);font-size:1.75rem;font-weight:700;color:var(--primary-dark);margin:2.5rem 0 1rem}.prose h3{font-size:1.25rem;font-weight:700;color:var(--primary-dark);margin:2rem 0 .75rem}.prose p{margin-bottom:1.25rem}.prose ul,.prose ol{margin-bottom:1.25rem;padding-left:1.75rem}.prose li{margin-bottom:.5rem}.faq-item{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-md);margin-bottom:1rem;overflow:hidden}.faq-question{display:flex;justify-content:space-between;align-items:center;padding:1.25rem 1.5rem;cursor:pointer;font-weight:600;font-size:1.05rem;color:var(--primary-dark);background:none;border:none;width:100%;text-align:left;font-family:inherit;transition:background-color .15s ease}.faq-question:hover{background:var(--bg-muted)}.faq-question .arrow{font-size:1.25rem;transition:transform .25s ease;color:var(--primary-light)}.faq-item.open .faq-question .arrow{transform:rotate(180deg)}.faq-answer{display:none;padding:0 1.5rem 1.5rem;color:var(--text-muted);font-size:.95rem;line-height:1.7}.faq-item.open .faq-answer{display:block}.site-footer{background:var(--primary-dark);color:#8694a7;padding:4.5rem 0 2rem;border-top:1px solid rgba(255,255,255,.1);font-size:.9rem}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.5fr;gap:3rem;margin-bottom:3.5rem}.footer-brand h4{color:#fff;font-size:1.25rem;margin-bottom:.75rem}.footer-brand p{line-height:1.6;margin-bottom:1rem}.footer-col h5{color:#fff;font-size:1rem;font-weight:600;margin-bottom:1.25rem}.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:.65rem}.footer-col a{color:#8694a7;transition:color .15s ease}.footer-col a:hover{color:#fff}.footer-bottom{padding-top:2rem;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;align-items:center;font-size:.85rem;flex-wrap:wrap;gap:1rem}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem}.form-group{display:flex;flex-direction:column;gap:.35rem}.form-group.full-width{grid-column:1 / -1}.form-group label{font-weight:600;font-size:.9rem;color:var(--primary-dark)}.timeline{position:relative;padding-left:2.5rem}.timeline:before{content:"";position:absolute;left:.75rem;top:0;bottom:0;width:2px;background:var(--border)}.timeline-item{position:relative;margin-bottom:2.5rem}.timeline-item:before{content:"";position:absolute;left:-2.5rem;top:.35rem;width:12px;height:12px;border-radius:50%;background:var(--accent);border:2px solid var(--bg-main);box-shadow:0 0 0 2px var(--accent)}.timeline-year{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--accent-dark);margin-bottom:.35rem}.timeline-title{font-weight:700;font-size:1.1rem;color:var(--primary-dark);margin-bottom:.35rem}.timeline-desc{font-size:.93rem;color:var(--text-muted);line-height:1.6}@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:2.5rem}.hero-title{font-size:2.25rem}.footer-grid{grid-template-columns:1fr 1fr;gap:2rem}.form-grid{grid-template-columns:1fr}}@media(max-width:640px){.nav-links{display:none}.hero-stats,.footer-grid{grid-template-columns:1fr}.page-header h1{font-size:1.85rem}}