:root{--navy:#0b2545;--navy2:#13315c;--orange:#13a07a;--teal:#13a07a;--bg:#f6f8fb;--ink:#1d2733;--muted:#5b6b7f;--line:#dde4ec;--card:#fff;--r:14px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:#0b63b5}
img,svg{max-width:100%}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:99}
.skip:focus{left:10px}
/* header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.15)}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:70px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none}
.brand span{display:flex;flex-direction:column;line-height:1.15}
.brand strong{font-size:1.15rem;letter-spacing:.2px}
.brand small{font-size:.72rem;opacity:.75}
.main-nav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0;flex-wrap:wrap}
.main-nav a{color:#dbe6f2;text-decoration:none;padding:7px 8px;border-radius:8px;font-size:.88rem;font-weight:500}
@media(min-width:981px) and (max-width:1240px){.brand small{display:none}}
.main-nav a:hover,.main-nav a[aria-current]{background:rgba(255,255,255,.1);color:#fff}
.main-nav a[aria-current]{box-shadow:inset 0 -3px 0 var(--orange)}
.menu-btn{display:none;background:var(--orange);color:#fff;border:0;border-radius:8px;padding:8px 14px;font:inherit;font-weight:600;cursor:pointer}
@media(max-width:980px){
 .menu-btn{display:block}
 .main-nav{width:100%}
 .js .main-nav{max-height:0;overflow:hidden;transition:max-height .3s}
 .js .main-nav.open{max-height:600px}
 .main-nav ul{flex-direction:column;padding-bottom:12px}
}
/* crumbs */
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:14px 0 0;margin:0;font-size:.85rem;color:var(--muted)}
.crumbs li+li:before{content:"›";margin-right:6px}
.crumbs a{color:var(--muted)}
/* hero */
.home-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 60%,#1d4e89 100%);color:#fff;padding:64px 0 72px}
.hero-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center}
.home-hero h1{font-size:clamp(2rem,4vw,3rem);line-height:1.15;margin:.2em 0 .4em}
.eyebrow{display:inline-block;background:rgba(19,160,122,.22);color:#9ff0d6;padding:6px 12px;border-radius:999px;font-size:.82rem;font-weight:600;margin:0}
.lead{font-size:1.12rem;opacity:.92;max-width:62ch}
.hero-art .illus{border-radius:24px;box-shadow:0 20px 50px rgba(0,0,0,.3)}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.btn{display:inline-block;background:var(--orange);color:#fff;text-decoration:none;padding:12px 22px;border-radius:10px;font-weight:600}
.btn:hover{background:#0e8565}
.btn.ghost{background:transparent;border:2px solid currentColor;color:inherit}
.home-hero .btn.ghost{color:#fff}
.block .btn.ghost,.prose .btn.ghost{color:var(--navy)}
@media(max-width:820px){.hero-grid{grid-template-columns:1fr}.hero-art{max-width:360px}}
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:44px 0 40px;margin-top:14px}
.page-hero h1{margin:0 0 .3em;font-size:clamp(1.8rem,3.4vw,2.5rem);line-height:1.2}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.chip{background:rgba(255,255,255,.12);color:#fff;text-decoration:none;padding:6px 12px;border-radius:999px;font-size:.88rem}
.chip:hover{background:var(--orange)}
/* blocks & cards */
.block{padding-top:44px;padding-bottom:8px}
.block-head h2{font-size:1.6rem;margin:0 0 4px;color:var(--navy)}
.block-head p{margin:0 0 22px;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:22px}
.card{background:var(--card);border-radius:var(--r);overflow:hidden;border:1px solid var(--line);transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(15,42,68,.12)}
.card-link{color:inherit;text-decoration:none;display:flex;flex-direction:column;height:100%}
.card-img .illus{display:block;width:100%;height:auto;border-radius:0}
.card-body{padding:16px 18px 20px}
.card-body h3{margin:8px 0 6px;font-size:1.08rem;line-height:1.3;color:var(--navy)}
.card-body p{margin:0 0 10px;color:var(--muted);font-size:.93rem}
.meta{font-size:.82rem;color:var(--muted)}
.page-hero .meta,.guide-hero .meta{color:#c4d3e3}
.tag{display:inline-block;font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.4px;color:var(--c);background:color-mix(in srgb,var(--c) 14%,white);padding:3px 9px;border-radius:6px;text-decoration:none}
.guide-hero .tag{background:#fff}
.sys-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px}
.sys{display:block;background:#fff;border:1px solid var(--line);border-top:5px solid var(--c);border-radius:var(--r);padding:18px;text-decoration:none;color:inherit;transition:box-shadow .15s}
.sys:hover{box-shadow:0 10px 24px rgba(15,42,68,.12)}
.sys-ico{width:96px}
.sys h3{margin:10px 0 4px;color:var(--navy)}
.sys p{margin:0 0 6px;color:var(--muted);font-size:.93rem}
.center{text-align:center;margin-top:26px}
.band{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:48px 0 0;padding:36px 0}
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.three h3{color:var(--teal);margin:0 0 6px}
.three p{margin:0;color:var(--muted)}
@media(max-width:760px){.three{grid-template-columns:1fr}}
.tools{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;padding-bottom:56px!important}
.tool{background:linear-gradient(135deg,#fff,#eef4fb);border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:inherit}
.tool h3{margin:0 0 6px;color:var(--navy)}.tool p{margin:0;color:var(--muted)}
.tool:hover{border-color:var(--orange)}
@media(max-width:760px){.tools{grid-template-columns:1fr}}
/* guide */
.guide-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:40px 0;margin-top:14px}
.guide-hero-in{display:grid;grid-template-columns:1.6fr 1fr;gap:32px;align-items:center}
.guide-hero h1{font-size:clamp(1.7rem,3.2vw,2.4rem);line-height:1.2;margin:.4em 0 .3em}
.guide-art .illus{border-radius:18px}
@media(max-width:820px){.guide-hero-in{grid-template-columns:1fr}.guide-art{max-width:300px}}
.guide-grid{display:grid;grid-template-columns:260px 1fr;gap:40px;padding-top:36px}
.toc{position:sticky;top:90px;align-self:start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;font-size:.9rem}
.toc h2{font-size:.85rem;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);margin:0 0 8px}
.toc ol{margin:0;padding-left:18px}.toc li{margin:4px 0}
.toc a{color:var(--navy);text-decoration:none}.toc a:hover{color:var(--orange)}
@media(max-width:900px){.guide-grid{grid-template-columns:1fr}.toc{position:static}}
.prose-wrap{padding-top:32px;padding-bottom:48px}
.prose{max-width:780px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:32px 36px}
.guide .prose{max-width:none}
.prose h2{color:var(--navy);font-size:1.45rem;margin:1.6em 0 .5em;padding-top:4px;scroll-margin-top:90px}
.prose h2:first-child,.prose section:first-child h2{margin-top:0}
.prose h3{color:var(--navy2);font-size:1.12rem;margin:1.3em 0 .3em}
.prose li{margin:.3em 0}
.prose ul li::marker{color:var(--orange)}
@media(max-width:600px){.prose{padding:22px 18px}}
.conclusion{background:#eef8f6;border-left:5px solid var(--teal);padding:4px 20px 8px;border-radius:10px;margin-top:28px}
.conclusion h2{margin-top:14px}
.note{background:#eef7ff;border:1px solid #bcd6f0;border-radius:10px;padding:14px 18px;font-size:.92rem;margin-top:26px}
.prevnext{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:28px}
.prevnext a{display:block;border:1px solid var(--line);border-radius:10px;padding:12px 16px;text-decoration:none;color:var(--navy);font-weight:600;font-size:.95rem}
.prevnext a:hover{border-color:var(--orange)}
.prevnext small{display:block;color:var(--muted);font-weight:400}
.prevnext .nx{text-align:right}
/* tables */
.table-wrap{overflow-x:auto;margin:18px 0}
table{border-collapse:collapse;width:100%;font-size:.94rem}
caption{text-align:left;font-weight:700;color:var(--navy);padding-bottom:8px}
th,td{border-bottom:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
thead th{background:var(--navy);color:#fff}
tbody tr:nth-child(even){background:#f7f9fc}
tbody th{color:var(--navy)}
/* glossary & faq */
.gloss dt{font-weight:700;color:var(--navy);margin-top:14px}
.gloss dd{margin:2px 0 0;color:#394656}
.faq{border:1px solid var(--line);border-radius:10px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;padding:14px 18px;font-weight:600;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";float:right;color:var(--orange);font-size:1.3rem;line-height:1}
.faq[open] summary:after{content:"–"}
.faq p{margin:0;padding:0 18px 16px}
.team{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.team div{background:#f2f6fa;border-radius:10px;padding:14px}.team span{display:block;color:var(--muted);font-size:.9rem}
@media(max-width:640px){.team{grid-template-columns:1fr}}
.contact-box{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:var(--r);padding:22px 26px;margin-bottom:20px}
.contact-box p{margin:0}.contact-box .mail a{color:#9ff0d6;font-size:1.35rem;font-weight:700;word-break:break-all}
/* footer */
.site-footer{background:#071a30;color:#b9c7d6;margin-top:40px;padding:0 0 26px;font-size:.92rem}
.disclaimer{background:var(--orange);color:#fff;padding:14px 18px;border-radius:0 0 12px 12px;margin-bottom:30px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:28px}
.foot-grid h2{color:#fff;font-size:.95rem;margin:4px 0 10px}
.foot-grid ul{list-style:none;margin:0;padding:0}.foot-grid li{margin:6px 0}
.site-footer a{color:#dbe6f2}
.brand.light{margin-bottom:8px}
.copy{border-top:1px solid #1f3650;margin-top:26px;padding-top:16px;font-size:.82rem}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}}
.illus{display:block;width:100%;height:auto}
@media(max-width:600px){.brand small{display:none}.header-in{flex-wrap:wrap}.brand{flex:1}}

.ratecards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.ratecard{background:#fff;border:1px solid var(--line);border-left:6px solid var(--orange);border-radius:var(--r);padding:18px;text-decoration:none;color:inherit;display:flex;flex-direction:column;gap:4px}
.ratecard:last-child{border-left-color:#f4a261}
.ratecard span{font-weight:600;color:var(--navy)}.ratecard strong{font-size:2rem;color:var(--navy);line-height:1.1}.ratecard small{color:var(--muted)}
.ratecard:hover{box-shadow:0 10px 24px rgba(11,37,69,.12)}
@media(max-width:900px){.ratecards{grid-template-columns:1fr 1fr}}@media(max-width:480px){.ratecards{grid-template-columns:1fr}}
table.rates tr.grp th{background:#e8f1fa;color:var(--navy);font-size:.88rem;text-transform:uppercase;letter-spacing:.3px}
table.rates td.hl{font-weight:700;color:#0e8565}
.src{font-size:.85rem;color:var(--muted);background:#f4f7fb;border-radius:8px;padding:10px 14px}
.kpi{display:flex;gap:18px;align-items:center;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:var(--r);padding:18px 22px;margin:12px 0}
.kpi strong{font-size:2.4rem;color:#9ff0d6;white-space:nowrap}
.bars{margin:18px 0}.legend{display:flex;gap:16px;font-size:.88rem;margin-bottom:10px}
.legend span:before{content:"";display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px;background:var(--orange)}
.legend .l2:before{background:#f4a261}
.bar-row{display:grid;grid-template-columns:130px 1fr;gap:4px 12px;margin:10px 0;align-items:center}
.bar-row .bl{grid-row:span 2;font-weight:600;color:var(--navy);font-size:.92rem}
.bar{position:relative;background:#eef2f7;border-radius:6px;height:22px}
.bar i{display:block;height:100%;background:var(--orange);border-radius:6px}.bar.alt i{background:#f4a261}
.bar b{position:absolute;right:8px;top:1px;font-size:.8rem;color:var(--navy)}
.calc-wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:28px;padding-top:32px;padding-bottom:40px;align-items:start}
@media(max-width:860px){.calc-wrap{grid-template-columns:1fr}}
.calc{background:#fff;border:1px solid var(--line);border-top:5px solid var(--orange);border-radius:var(--r);padding:24px}
.calc h2{margin-top:0;color:var(--navy)}
.field{margin:0 0 14px}.field label{display:block;font-weight:600;color:var(--navy);margin-bottom:4px;font-size:.95rem}
.field input,.field select{width:100%;padding:10px 12px;border:1px solid #c7d3e0;border-radius:8px;font:inherit;background:#fbfdff}
.field input:focus,.field select:focus{outline:2px solid var(--orange);border-color:transparent}
.field small{color:var(--muted);font-size:.82rem}
.calc .btn{border:0;cursor:pointer;font:inherit;font-weight:600}
.out{margin-top:16px}.res{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:0}
.res div{background:#f4f7fb;border-radius:10px;padding:10px 12px}.res dt{font-size:.8rem;color:var(--muted)}.res dd{margin:2px 0 0;font-weight:700;color:var(--navy);font-size:1.1rem}
.verdict{padding:12px 14px;border-radius:10px;font-weight:600;margin-top:12px}.verdict.ok{background:#e3f7ef;color:#0b6b4f}.verdict.bad{background:#fde8e8;color:#9b1c1c}
.local{font-size:.82rem;color:var(--muted);margin:14px 0 0}
#tmc-data{display:none}
.verdict.mid{background:#fff4e0;color:#8a4b00}
.sched{max-height:420px;overflow:auto;border:1px solid var(--line);border-radius:10px;margin-top:12px}
.sched table{font-size:.85rem}.sched th{position:sticky;top:0}
.tools{grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}