:root{--bg: #f6f8f7;--bg-2: #eaf0ed;--card: #ffffff;--ink: #0f1f33;--ink-soft: #4b5b6e;--ink-faint: #8394a6;--line: #dde5e1;--accent: #0e9f6e;--accent-dark: #0a7d56;--accent-soft: #e3f5ee;--navy: #0f1f33;--navy-2: #17304d;--warn: #b45309;--warn-soft: #fef3e2;--radius: 16px;--radius-sm: 10px;--shadow: 0 1px 2px rgba(15, 31, 51, .04), 0 8px 24px rgba(15, 31, 51, .06);--shadow-lg: 0 2px 4px rgba(15, 31, 51, .05), 0 18px 48px rgba(15, 31, 51, .12);--max: 1120px;--sans: "Inter", "Segoe UI", system-ui, sans-serif;--display: "Manrope", "Inter", "Segoe UI", sans-serif}*,*:before,*:after{box-sizing:border-box}[hidden]{display:none!important}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;min-height:100vh;-webkit-font-smoothing:antialiased}img{max-width:100%}a{color:var(--accent-dark);text-underline-offset:3px}a:hover{color:var(--accent)}:focus-visible{outline:3px solid 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28px}.grid{display:grid;gap:16px}.tools-grid{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}.tool-card{display:flex;flex-direction:column;gap:10px;color:inherit;text-decoration:none;min-height:176px;transition:transform .15s ease,box-shadow .15s ease,border-color .15s ease}.tool-card:hover{color:inherit;border-color:var(--accent);box-shadow:var(--shadow-lg);transform:translateY(-2px)}.tag{align-self:flex-start;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-dark);background:var(--accent-soft);padding:4px 10px;border-radius:999px}.tool-card h2,.tool-card h3{font-size:1.25rem;margin:0}.tool-card p{margin:0;color:var(--ink-soft);font-size:.97rem;flex:1}.section{padding:28px 0 48px}.calc-layout{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:24px;align-items:start}.calc-panel 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.big{font-family:var(--display);font-weight:800;font-size:clamp(2rem,4vw,2.8rem);letter-spacing:-.03em;margin:4px 0 0}.result dl{display:grid;grid-template-columns:1fr auto;gap:10px 16px;margin:20px 0 0;padding-top:16px;border-top:1px solid rgba(255,255,255,.12)}.result dt{color:#a9b8cc}.result dd{margin:0;text-align:right;font-weight:650}.prose{max-width:44rem}.prose p,.prose ul,.prose ol{color:var(--ink-soft)}.prose h2,.prose h3{margin-top:1.6em}table{width:100%;border-collapse:collapse;font-size:.95rem;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line)}th{background:var(--bg-2);font-size:.78rem;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-soft)}.note,.disclaimer{font-size:.9rem;color:var(--ink-soft);background:var(--card);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:var(--radius-sm);padding:12px 16px;margin:20px 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var(--accent)}.cta-card h2{font-size:1.25rem}.prose .btn-primary{display:inline-flex;text-decoration:none;margin-top:4px}.wz{max-width:820px;margin:0 auto;background:var(--card);border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow-lg)}.wz-steps{display:grid;grid-template-columns:repeat(4,1fr);list-style:none;margin:0;padding:18px 24px 0;gap:8px;counter-reset:wz}.wz-steps li{counter-increment:wz;font-size:.8rem;font-weight:600;color:var(--ink-faint);padding-top:12px;border-top:4px solid var(--line);transition:color .2s ease,border-color .2s ease}.wz-steps li:before{content:counter(wz) ". 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span{font-size:.82rem;color:var(--ink-soft);line-height:1.35}.wz-pills{display:flex;flex-wrap:wrap;gap:8px}.wz-pill{font:inherit;font-weight:600;font-size:.95rem;min-width:52px;color:var(--ink);background:var(--card);border:1.5px solid var(--line);border-radius:999px;padding:8px 16px;cursor:pointer}.wz-pill:hover{border-color:var(--accent)}.wz-pill[aria-pressed=true]{background:var(--accent);border-color:var(--accent);color:#fff}.wz-field{position:relative}.wz-input{width:100%;font:inherit;font-size:1.05rem;padding:14px 16px;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);transition:border-color .15s ease,box-shadow .15s ease}.wz-input:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 4px 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