:root{--navy:#0b2540;--teal:#0e7c86;--teal-d:#0a5f67;--bg:#f5f8fa;--card:#fff;--line:#dbe4ea;--muted:#5a6b7a;--warn:#fff7e0;--warn-line:#e8c766;--ok:#e6f5ee;--radius:12px;--max:1080px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:#17212b;background:var(--bg)}
a{color:var(--teal-d)}a:hover{color:var(--navy)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 18px}
header.site{background:var(--navy);color:#fff}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}
.brand{font-weight:800;font-size:1.3rem;color:#fff;text-decoration:none;letter-spacing:-.01em}
.brand span{color:#5fd3dc}
nav.main{display:flex;gap:4px 16px;flex-wrap:wrap}
nav.main a{color:#d6e4ee;text-decoration:none;font-size:.95rem;padding:4px 0}
nav.main a:hover,nav.main a[aria-current=page]{color:#fff;text-decoration:underline}
.banner{background:var(--warn);border-bottom:1px solid var(--warn-line);font-size:.88rem;padding:8px 0;color:#5b4a10}
.banner a{color:#5b4a10;font-weight:600}
.hero{background:linear-gradient(160deg,var(--navy),#12486a);color:#fff;padding:44px 0 38px}
.hero h1{font-size:clamp(1.7rem,4.5vw,2.6rem);line-height:1.15;margin:0 0 12px;letter-spacing:-.02em}
.hero h1{color:#fff}
.hero p{max-width:680px;color:#d6e4ee;margin:0 0 20px;font-size:1.05rem}
.btn{display:inline-block;background:var(--teal);color:#fff;border:0;border-radius:8px;padding:11px 20px;font-weight:600;font-size:1rem;text-decoration:none;cursor:pointer}
.btn:hover{background:var(--teal-d);color:#fff}
.btn.ghost{background:transparent;border:1px solid #8fb4c9;color:#fff}
.btn.ghost:hover{background:rgba(255,255,255,.1)}
.btn.alt{background:#fff;color:var(--navy);border:1px solid var(--line)}
.btn.alt:hover{background:#eef4f7;color:var(--navy)}
main{padding:28px 0 48px}
h1,h2,h3{color:var(--navy);line-height:1.25}
h2{margin:34px 0 12px;font-size:1.45rem}h3{margin:22px 0 8px;font-size:1.1rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px}
.grid{display:grid;gap:16px}
.g3{grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.g2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.stat{font-size:1.9rem;font-weight:800;color:var(--navy);line-height:1.1}
.stat small{display:block;font-size:.85rem;font-weight:500;color:var(--muted);margin-top:6px}
.muted{color:var(--muted)}.small{font-size:.88rem}
.notice{background:var(--warn);border:1px solid var(--warn-line);border-radius:var(--radius);padding:12px 16px;font-size:.92rem;color:#5b4a10}
.okbox{background:var(--ok);border:1px solid #b9dfca;border-radius:var(--radius);padding:12px 16px;font-size:.92rem}
.tablewrap{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
table{border-collapse:collapse;width:100%;font-size:.93rem}
th,td{padding:10px 12px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#eef4f7;color:var(--navy);font-size:.82rem;text-transform:uppercase;letter-spacing:.03em;white-space:nowrap}
tr:last-child td{border-bottom:0}
td.num,th.num{text-align:right;white-space:nowrap}
.tag{display:inline-block;font-size:.75rem;padding:2px 8px;border-radius:999px;background:#e3eef3;color:var(--navy);white-space:nowrap}
.tag.ok{background:#d8f0e3;color:#14573a}.tag.warn{background:#fdeec4;color:#6b4e00}.tag.none{background:#eceff2;color:#55636f}
.filters{display:flex;gap:10px;flex-wrap:wrap;margin:0 0 14px}
input,select,textarea{font:inherit;padding:10px 12px;border:1px solid #b8c7d1;border-radius:8px;background:#fff;color:#17212b;width:100%}
input:focus,select:focus,textarea:focus,.btn:focus,a:focus{outline:3px solid #8bd0d6;outline-offset:1px}
.filters input{flex:1 1 220px;width:auto}.filters select{flex:0 1 180px;width:auto}
label{display:block;font-weight:600;font-size:.92rem;margin:0 0 4px}
.field{margin-bottom:12px}
.hint{font-size:.8rem;color:var(--muted);margin-top:3px}
.crumbs{font-size:.88rem;color:var(--muted);margin-bottom:10px}
.crumbs a{color:var(--muted)}
.range{font-size:1.7rem;font-weight:800;color:var(--navy)}
.pill-row{display:flex;gap:8px;flex-wrap:wrap;margin:8px 0 0}
footer.site{background:var(--navy);color:#b9ccd9;padding:34px 0 24px;font-size:.9rem}
footer.site a{color:#d6e4ee}
footer.site h4{color:#fff;margin:0 0 8px}
.fgrid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.fgrid ul{list-style:none;margin:0;padding:0}.fgrid li{margin:4px 0}
.legal{border-top:1px solid #234a68;margin-top:22px;padding-top:14px;font-size:.82rem;color:#9bb3c4}
.nl{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px}
.nl form{display:flex;gap:10px;flex-wrap:wrap}.nl input[type=email]{flex:1 1 240px;width:auto}
.nl .consent{display:flex;gap:8px;align-items:flex-start;font-weight:400;font-size:.82rem;color:var(--muted);flex-basis:100%}
.nl .consent input{width:auto;margin-top:4px}
.formmsg{flex-basis:100%;font-size:.9rem;margin:0;color:var(--teal-d);font-weight:600}
.calc{display:grid;gap:18px;grid-template-columns:1fr}
@media(min-width:900px){.calc{grid-template-columns:1.05fr .95fr}.calc .sticky{position:sticky;top:12px;align-self:start}}
fieldset{border:1px solid var(--line);border-radius:var(--radius);padding:12px 16px 4px;margin:0 0 14px;background:#fff}
legend{font-weight:700;color:var(--navy);padding:0 6px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.res{font-size:1.5rem;font-weight:800}.res.pos{color:#14753f}.res.neg{color:#a32020}
dl.kv{margin:0;display:grid;grid-template-columns:1fr auto;gap:6px 14px}
dl.kv dt{color:var(--muted)}dl.kv dd{margin:0;font-weight:700;text-align:right}
svg.chart{width:100%;height:auto;display:block}
.chart text{font:11px system-ui,sans-serif;fill:#5a6b7a}
details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 14px;margin:8px 0}
summary{cursor:pointer;font-weight:600;color:var(--navy)}
.sponsor{border:1px dashed #9db3c2;background:#fafcfd}
@media(max-width:560px){.two{grid-template-columns:1fr}th,td{padding:8px 9px}}
@media print{header.site,footer.site,.banner,.nl{display:none}}