:root{--sky:#2EA3F2;--sky-d:#1C8AD6;--navy:#0A3D75;--deep:#082B52;--ink:#16293D;--soft:#566679;--tint:#E7F3FD;--line:#D3E5F5;--bg:#F3F8FD;--orange:#FF8A1F;--orange-d:#E9730A;--ok:#1B9E5A;--r:16px}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:"Be Vietnam Pro",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.7;font-size:16.5px}
img{max-width:100%;height:auto}
a{color:var(--sky-d)}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid #FFB347;outline-offset:2px}
.w{max-width:1120px;margin:0 auto;padding:0 18px}
.narrow{max-width:800px}
/* header */
.hd{background:#fff;border-bottom:1px solid var(--line)}
.hd .w{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:18px}
.brand img{width:44px;height:44px;border-radius:50%}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}
.nav a{display:block;padding:8px 12px;border-radius:10px;text-decoration:none;color:var(--ink);font-weight:600;font-size:15px}
.nav a:hover,.nav a[aria-current=page]{background:var(--tint);color:var(--navy)}
.burger{display:none;background:none;border:0;padding:10px;margin-right:-8px;cursor:pointer;border-radius:10px}
.burger span{display:block;width:26px;height:3px;background:var(--navy);border-radius:2px;margin:5px 0}
@media(max-width:859px){
.burger{display:block}
.nav{display:none;position:static;width:100%;order:3}
.nav.open{display:block}
.hd .w{flex-wrap:wrap}
.nav ul{flex-direction:column;padding:4px 0 12px}
.nav a{padding:12px 10px;border-top:1px solid var(--line);border-radius:0}
}
/* breadcrumb */
.bc{font-size:14px;color:var(--soft);padding:14px 0 0}
.bc ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.bc li+li::before{content:"›";margin-right:6px;color:#9BB0C4}
.bc a{color:var(--soft)}
/* hero */
.hero{background:linear-gradient(135deg,#072A57 0%,#0A5BB5 48%,#2EA3F2 100%);color:#fff;padding:36px 0 44px}
.hero h1{margin:0 0 22px;font-size:clamp(27px,5.2vw,46px);line-height:1.2;font-weight:800;max-width:21em;letter-spacing:-.01em}
.amt{background:linear-gradient(135deg,#0F8CE0 0%,#22C1F1 100%);border:2px solid rgba(255,255,255,.55);border-radius:22px;padding:22px 22px 24px;max-width:640px;box-shadow:0 14px 34px rgba(3,30,70,.35)}
.amt h2{margin:0 0 4px;font-size:17px;font-weight:600;color:#EAF7FF}
.amt-val{font-size:clamp(34px,8vw,46px);font-weight:800;line-height:1.15;margin:2px 0 12px}
.amt input[type=range]{width:100%;accent-color:#fff;height:32px;cursor:pointer}
.amt-scale{display:flex;justify-content:space-between;font-size:13px;color:#DDF2FF}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0 4px}
.chips button{border:0;background:rgba(255,255,255,.2);color:#fff;font:inherit;font-size:14px;font-weight:600;padding:7px 13px;border-radius:999px;cursor:pointer}
.chips button[aria-pressed=true]{background:#fff;color:var(--navy)}
.amt-note{font-size:14px;color:#EAF7FF;margin:10px 0 0}
.amt-note a{color:#fff;font-weight:700}
.amt .cta{background:linear-gradient(135deg,#FF9F3D,#FF7A00);border:0;box-shadow:0 5px 14px rgba(255,122,0,.4);margin-top:16px}
.amt .cta:hover{background:linear-gradient(135deg,#FF8A1F,#E56B00)}
.amt .amt-m{display:none}
@media(max-width:859px){.amt .amt-d{display:none}.amt .amt-m{display:flex}.amt-note{display:none}}
.cta{display:flex;align-items:center;justify-content:center;gap:8px;width:100%;padding:15px;font-size:16px;font-weight:800;letter-spacing:.2px;text-decoration:none;color:#fff;background:#2EA3F2;border-radius:12px;box-shadow:0 5px 14px rgba(0,60,120,.35);border:2px solid rgba(255,255,255,.7)}
.cta:hover{background:#1C8AD6;color:#fff}
/* quick answer */
.qa{background:#fff;border:1px solid var(--line);border-left:6px solid var(--sky);border-radius:var(--r);padding:20px 22px;margin:-26px 0 0;position:relative;box-shadow:0 8px 24px rgba(10,61,117,.1)}
.qa h2{margin:0 0 6px;font-size:19px;color:var(--navy)}
.qa p{margin:0}
/* boxes (mobile only) */
.boxes{background:linear-gradient(160deg,#1B2F8F 0%,#0B6FA8 55%,#13B2B8 100%);padding:26px 6px 30px;margin-top:30px}
.boxes h2{color:#fff;text-align:center;font-size:clamp(21px,5.6vw,26px);line-height:1.3;margin:0 8px 18px}
.bgrid{display:grid;grid-template-columns:1fr 1fr;gap:6px}
.bx{background:#fff;border-radius:14px;padding:14px 8px 12px;display:flex;flex-direction:column;text-align:center;min-width:0}
.bx-logo{height:60px;display:flex;align-items:center;justify-content:center;margin-bottom:8px}
.bx-logo img{max-height:56px;max-width:92%;object-fit:contain}
.bx h3{margin:0 auto 8px;display:inline-block;background:var(--tint);color:var(--navy);font-size:13.5px;font-weight:800;padding:3px 12px;border-radius:999px;line-height:1.5}
.bx-amt{font-weight:800;color:#13A24B;white-space:nowrap;font-size:clamp(14px,4.1vw,18px);margin:0 0 8px}
.bx ul{list-style:none;margin:0 0 12px;padding:0;text-align:left;flex-grow:1}
.bx li{font-size:12.5px;line-height:1.4;margin:0 0 6px;color:var(--soft)}
.bx-btn{display:block;text-align:center;background:linear-gradient(135deg,#FF9F3D,#FF7A00);color:#fff;font-weight:800;text-decoration:none;padding:11px 6px;border-radius:9px;font-size:14px;box-shadow:0 4px 10px rgba(255,122,0,.35)}
.bx-btn:hover{background:linear-gradient(135deg,#FF8A1F,#E56B00);color:#fff}
@media(min-width:860px){.boxes{display:none}}
/* sections */
.sec{padding:44px 0 6px}
.sec h2{font-size:clamp(23px,3.6vw,31px);line-height:1.3;color:var(--navy);margin:0 0 16px;font-weight:800}
.sec p{margin:0 0 14px}
.prose p,.art p{margin:0 0 15px}
.prose h3,.art h3{font-size:20px;margin:26px 0 10px;color:var(--navy)}
.prose ul,.prose ol,.art ul,.art ol{padding-left:22px;margin:0 0 16px}
.prose li,.art li{margin-bottom:7px}
.tbl{overflow-x:auto;margin:0 0 18px;border:1px solid var(--line);border-radius:12px;background:#fff}
table{border-collapse:collapse;width:100%;font-size:15px}
th,td{padding:10px 13px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:var(--tint);color:var(--navy)}
tr:last-child td{border-bottom:0}
/* toplist */
.tl{display:grid;grid-template-columns:1fr;gap:22px;margin:24px 0 14px}
.tc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 20px 18px;position:relative;scroll-margin-top:16px}
.tc-n{position:absolute;top:-12px;left:18px;background:linear-gradient(135deg,#0F8CE0,#22C1F1);color:#fff;font-weight:800;min-width:36px;height:30px;line-height:30px;text-align:center;border-radius:999px;padding:0 10px}
.tc h3{margin:6px 0 8px;font-size:19px;color:var(--navy);line-height:1.35}
.tag{display:inline-block;background:var(--tint);color:var(--navy);font-size:13px;font-weight:700;padding:2px 11px;border-radius:999px;margin-bottom:10px}
.tc p{margin:0 0 8px;font-size:15.5px}
.tc p:last-child{margin:0}
.note{background:#FFF8EC;border:1px solid #FFD9A0;border-radius:12px;padding:14px 16px;font-size:15px;margin:10px 0 16px}
@media(max-width:700px){.tl{grid-template-columns:1fr}}
/* steps */
.steps{list-style:none;counter-reset:s;padding:0!important}
.steps li{counter-increment:s;position:relative;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px 14px 62px;margin-bottom:10px}
.steps li::before{content:counter(s);position:absolute;left:14px;top:12px;width:34px;height:34px;border-radius:50%;background:linear-gradient(135deg,#0F8CE0,#22C1F1);color:#fff;font-weight:800;text-align:center;line-height:34px}
.checks{list-style:none;padding:0!important;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.checks li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 14px 12px 44px;position:relative;margin:0}
.checks li::before{content:"✓";position:absolute;left:14px;top:11px;width:22px;height:22px;border-radius:50%;background:var(--ok);color:#fff;text-align:center;line-height:22px;font-size:13px;font-weight:800}
@media(max-width:700px){.checks{grid-template-columns:1fr}}
/* calculator */
.calc{background:linear-gradient(135deg,#0A4FA3,#1E90E8);color:#fff;border-radius:22px;padding:24px 22px;margin:18px 0 18px}
.calc h3{margin:0 0 4px;color:#fff;font-size:21px}
.calc .sub{margin:0 0 16px;color:#DDF2FF;font-size:15px}
.cf{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.cf label{display:block;font-size:14px;font-weight:600;margin-bottom:5px}
.cf input{width:100%;padding:12px;border:0;border-radius:10px;font:inherit;font-size:17px;font-weight:700;color:var(--ink)}
.cbtn{margin-top:16px;width:100%;border:0;cursor:pointer;background:linear-gradient(135deg,#FF9F3D,#FF7A00);color:#fff;font:inherit;font-weight:800;font-size:17px;padding:14px;border-radius:12px;box-shadow:0 5px 14px rgba(255,122,0,.4)}
.cbtn:hover{background:linear-gradient(135deg,#FF8A1F,#E56B00)}
.cwarn{display:none;margin-top:12px;background:#FFF3D6;color:#6B4600;border-radius:10px;padding:10px 14px;font-size:15px;font-weight:600}
.cwarn.on{display:block}
.cres{background:#fff;color:var(--ink);border-radius:16px;padding:18px;margin-top:18px}
.csum{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:14px}
.csum div{background:var(--tint);border-radius:12px;padding:10px 12px}
.csum small{display:block;color:var(--soft);font-size:13px}
.csum b{font-size:clamp(15px,3.6vw,19px);color:var(--navy);white-space:nowrap}
.cres .tbl{margin:0}
@media(max-width:700px){.cf{grid-template-columns:1fr}.csum{grid-template-columns:1fr}}
/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:10px}
.faq summary{cursor:pointer;list-style:none;padding:15px 48px 15px 18px;font-weight:700;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;background:var(--tint);text-align:center;line-height:25px;font-size:19px}
.faq details[open] summary::after{content:"–"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .ans{padding:14px 18px 6px}
.faq .ans p{margin:0 0 10px}
/* article */
.art-wrap{padding-top:18px;padding-bottom:40px}
.art h1{font-size:clamp(26px,4.6vw,38px);line-height:1.25;color:var(--navy);margin:14px 0 10px;font-weight:800}
.byline{font-size:14.5px;color:var(--soft);margin:0 0 20px}
.art h2{font-size:clamp(22px,3.4vw,28px);line-height:1.3;color:var(--navy);margin:36px 0 14px;scroll-margin-top:12px}
.qbox{background:linear-gradient(135deg,#E7F3FD,#F4FAFF);border:1px solid var(--line);border-left:6px solid var(--sky);border-radius:var(--r);padding:16px 20px;margin:0 0 22px}
.qbox b.lbl{display:block;color:var(--navy);font-size:17px;margin-bottom:4px}
.qbox p{margin:0}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px 20px;margin:0 0 26px}
.toc b{color:var(--navy)}
.toc ol{margin:8px 0 0;padding-left:22px}
.toc li{margin-bottom:4px}
.abox{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;margin:36px 0 0;font-size:15.5px}
.abox b.lbl{display:block;color:var(--navy);margin-bottom:4px}
.pg{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 28px;margin:16px 0 40px}
.pg h2{font-size:23px;color:var(--navy);margin:30px 0 12px}
.pg h3{font-size:18.5px;color:var(--navy);margin:20px 0 8px}
.pg h2:first-child{margin-top:0}
.pg ul,.pg ol{padding-left:22px}
.pg li{margin-bottom:6px}
@media(max-width:600px){.pg{padding:20px 16px}}
/* footer */
.ft{background:#0A1F36;color:#B9C8D8;margin-top:30px;padding:38px 0 26px;font-size:15px}
.ft a{color:#DCE9F6;text-decoration:none}
.ft a:hover{color:#fff;text-decoration:underline}
.fg{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}
.ft h2{color:#fff;font-size:16px;margin:0 0 10px}
.ft ul{list-style:none;margin:0;padding:0}
.ft li{margin-bottom:7px}
.ft p{margin:0 0 10px}
.disc{border-top:1px solid #234262;margin-top:26px;padding-top:20px;font-size:14px;line-height:1.65}
.disc b{color:#fff;display:block;margin-bottom:6px}
.copy{margin-top:16px;font-size:13.5px;color:#8FA3B8}
@media(max-width:760px){.fg{grid-template-columns:1fr}}
/* mobile cta bar */
.mcta{position:fixed;left:0;right:0;bottom:0;z-index:40;background:#fff;border-top:1px solid #D3E5F5;padding:10px 16px;display:flex;box-shadow:0 -4px 16px rgba(0,0,0,.08);transform:translateY(100%);opacity:0;pointer-events:none;transition:transform .3s,opacity .3s}
.mcta.show{transform:none;opacity:1;pointer-events:auto}
.mcta a{flex:1;display:flex;align-items:center;justify-content:center;gap:8px;padding:14px;font-size:16px;font-weight:800;text-transform:uppercase;letter-spacing:.3px;text-decoration:none;color:#fff;background:#2EA3F2;border-radius:9px;box-shadow:0 4px 12px rgba(46,163,242,.4)}
.mcta a:hover{background:#1C8AD6}
.mcta span{font-weight:900;animation:nudge 1.4s ease-in-out infinite}
@keyframes nudge{50%{transform:translateX(4px)}}
@media(min-width:860px){.mcta{display:none}}
@media(max-width:859px){body{padding-bottom:72px}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

.tbl.wide table{min-width:760px}
.tbl.wide th,.tbl.wide td{font-size:14.5px}
.tbl.wide td:first-child,.tbl.wide th:first-child{width:36px}