*{box-sizing:border-box}body{margin:0;font-family:Inter,Arial,sans-serif;color:#172033;background:#f6f8fb;line-height:1.6}a{color:#185adb;text-decoration:none}a:hover{text-decoration:underline}.wrap{max-width:1120px;margin:auto;padding:0 20px}header{background:#fff;border-bottom:1px solid #e7eaf0;position:sticky;top:0;z-index:5}.nav{height:68px;display:flex;align-items:center;justify-content:space-between}.brand{font-size:22px;font-weight:800;color:#111827}.brand span{color:#185adb}.navlinks{display:flex;gap:18px;flex-wrap:wrap}.navlinks a{font-size:14px;font-weight:600;color:#475467}.hero{padding:60px 0 35px;background:linear-gradient(180deg,#eef5ff,#f6f8fb)}h1{font-size:clamp(32px,5vw,54px);line-height:1.08;margin:0 0 16px}h2{margin-top:35px;line-height:1.2}h3{margin-top:24px}.lead{font-size:19px;color:#526071;max-width:760px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.card{background:#fff;border:1px solid #e3e7ee;border-radius:16px;padding:22px;box-shadow:0 5px 18px #12213d08}.tool{margin:28px 0;padding:26px;background:#fff;border:1px solid #dfe5ee;border-radius:18px}.formgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.field label{display:block;font-weight:700;font-size:14px;margin-bottom:6px}.field input,.field select{width:100%;padding:12px 13px;border:1px solid #cfd6e1;border-radius:10px;font-size:16px;background:#fff}.btn{border:0;border-radius:10px;padding:12px 18px;background:#185adb;color:#fff;font-weight:800;cursor:pointer;margin-top:14px}.btn.secondary{background:#eef2f7;color:#263449}.results{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:22px}.metric{background:#f5f8fc;border-radius:12px;padding:14px}.metric b{display:block;font-size:21px}.note{padding:13px 15px;border-left:4px solid #185adb;background:#eef5ff;border-radius:8px;color:#44546a}.small{font-size:13px;color:#667085}.source{font-size:13px;color:#667085}.pill{display:inline-block;padding:5px 10px;border-radius:99px;background:#eaf1ff;color:#185adb;font-size:12px;font-weight:800}.article{max-width:820px;margin:40px auto;background:#fff;padding:34px;border:1px solid #e3e7ee;border-radius:16px}.article li{margin:8px 0}.table{width:100%;border-collapse:collapse;margin:15px 0}.table th,.table td{padding:10px;border-bottom:1px solid #e5e7eb;text-align:left}.footer{margin-top:50px;background:#101828;color:#cbd5e1;padding:34px 0}.footer a{color:#dbeafe}.faq details{background:#fff;border:1px solid #e3e7ee;border-radius:10px;padding:14px;margin:10px 0}.faq summary{font-weight:800;cursor:pointer}@media(max-width:800px){.grid,.grid2,.results{grid-template-columns:1fr}.formgrid{grid-template-columns:1fr}.nav{height:auto;padding:15px 0;align-items:flex-start;gap:10px}.navlinks{gap:10px}.hero{padding-top:40px}}

.grid2 .results{grid-template-columns:repeat(2,1fr)}.metric b{overflow-wrap:anywhere}.metric span{display:block;font-size:13px;color:#5b6678;margin-bottom:4px}@media(max-width:800px){.grid2 .results{grid-template-columns:1fr}}
.article h1{font-size:clamp(28px,4vw,38px);line-height:1.15}.article table,.table{display:block;max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}.article img{max-width:100%;height:auto}.article,.card,.tool,.metric{overflow-wrap:anywhere}input,select,button{font-family:inherit}.footer p{margin:8px 0}@media(max-width:800px){.article{padding:22px;margin:24px auto}.tool{padding:18px}h2{margin-top:28px}}
/* ---- Professional refresh ---- */
body{font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;-webkit-font-smoothing:antialiased}
.skip{position:absolute;left:-999px;top:8px;background:#185adb;color:#fff;padding:10px 14px;border-radius:8px;z-index:99}.skip:focus{left:10px}
.site-header{background:#fff;border-bottom:1px solid #e3e8f0;box-shadow:0 1px 8px #1220380a;position:sticky;top:0;z-index:50}
.nav{height:70px;display:flex;align-items:center;justify-content:space-between;gap:16px;position:relative}
.brand{display:flex;align-items:center;gap:10px;font-size:22px;font-weight:800;letter-spacing:-.4px;color:#0f172a}.brand:hover{text-decoration:none}.brand .bt span{color:#185adb}.brand svg{flex:none}
.navlinks{display:flex;gap:6px;align-items:center}.navlinks a{padding:9px 14px;border-radius:9px;font-size:15px;font-weight:600;color:#475467}.navlinks a:hover{background:#eef3fb;color:#185adb;text-decoration:none}.navlinks a[aria-current=page]{background:#eaf1ff;color:#185adb}
.navtoggle,.burger{display:none}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #9ec0ff;outline-offset:2px}
.hero{padding:70px 0 48px;background:radial-gradient(1000px 300px at 80% -10%,#dbe8ff,transparent),linear-gradient(180deg,#eef5ff,#f6f8fb)}
.btn{box-shadow:0 2px 6px #185adb33;transition:background .15s}.btn:hover{background:#1248b8}.btn.secondary{box-shadow:none}
.card{transition:box-shadow .15s,transform .15s;color:inherit}.card:hover{box-shadow:0 10px 26px #12213d14;transform:translateY(-2px);text-decoration:none}.card h3{margin-top:0;color:#0f172a}.card p{color:#526071;margin-bottom:0}
.trust{background:#fff;border-top:1px solid #e3e8f0;border-bottom:1px solid #e3e8f0}.trust .wrap{display:flex;flex-wrap:wrap;gap:10px 28px;justify-content:center;padding-top:14px;padding-bottom:14px;font-size:14px;font-weight:600;color:#344054}
.crumbs{font-size:13px;color:#667085;margin:0 0 14px}.crumbs a{color:#475467}.crumbs span{color:#101828;font-weight:600}
.article{line-height:1.75;font-size:17px;color:#1d2939}.article p{margin:0 0 16px}.article h2{margin-top:36px;padding-top:6px;color:#0f172a;font-size:25px}.article h3{color:#0f172a}.article a{text-decoration:underline;text-underline-offset:2px}
.article .table th{background:#f2f6fc;font-size:14px}.article .table tr:nth-child(even) td{background:#fafcff}
.authorbox{display:flex;gap:16px;align-items:flex-start;margin:40px 0 10px;padding:20px;border:1px solid #e3e8f0;border-radius:14px;background:#f8fafc}.authorbox p{margin:6px 0 0;font-size:15px;color:#475467;line-height:1.6}.avatar{flex:none;width:46px;height:46px;border-radius:50%;background:#185adb;color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.related h2{font-size:21px}.rgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.rgrid a{display:block;padding:14px;border:1px solid #e3e8f0;border-radius:12px;background:#fff;font-weight:700;font-size:15px;line-height:1.35;text-decoration:none!important;color:#185adb}.rgrid a:hover{box-shadow:0 6px 18px #12213d12}
.footer{background:#0f172a;color:#cbd5e1;padding:48px 0 22px;margin-top:60px}.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:30px}.fbrand{font-size:20px;font-weight:800;color:#fff;margin-bottom:8px}.fgrid p{font-size:14px;line-height:1.6;color:#94a3b8;margin:0}.fgrid h4{color:#fff;font-size:14px;margin:0 0 12px;text-transform:uppercase;letter-spacing:.06em}.fgrid a{display:block;color:#cbd5e1;font-size:14px;padding:4px 0}.fgrid a:hover{color:#fff}.fbottom{display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;border-top:1px solid #1e293b;margin-top:30px;padding-top:18px;font-size:13px;color:#94a3b8}
@media(max-width:900px){.fgrid{grid-template-columns:1fr 1fr}.rgrid{grid-template-columns:1fr}}
@media(max-width:800px){.nav{height:64px}.burger{display:flex;flex-direction:column;justify-content:center;gap:5px;width:42px;height:42px;padding:10px;border:1px solid #e3e8f0;border-radius:10px;cursor:pointer}.burger i,.burger i:before,.burger i:after{display:block;height:2px;width:100%;background:#344054;content:"";position:relative}.burger i:before{top:-6px;position:absolute}.burger i:after{top:6px;position:absolute}.burger i{position:relative}.navlinks{display:none;position:absolute;top:64px;left:0;right:0;flex-direction:column;align-items:stretch;gap:2px;background:#fff;border-bottom:1px solid #e3e8f0;padding:10px 20px 16px;box-shadow:0 12px 24px #12203814}.navtoggle:checked~.navlinks{display:flex}.navlinks a{padding:12px 10px}.nav{align-items:center;padding:0 20px}.authorbox{flex-direction:column}.article{font-size:16px}.article h2{font-size:22px}}
@media(max-width:560px){.fgrid{grid-template-columns:1fr}.hero{padding:44px 0 32px}}