@font-face{font-family:DM;src:url('/fonts/dm-sans-400.woff2') format('woff2');font-weight:100 900;font-display:swap}@font-face{font-family:Playfair;src:url('/fonts/playfair-display-800.woff2') format('woff2');font-weight:800;font-display:swap}
:root{--navy:#0b1729;--ink:#142338;--muted:#536177;--mint:#79efc6;--teal:#08765e;--line:#dce5ed;--paper:#f4f7fa;--white:#fff;--radius:18px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:6rem}body{margin:0;color:var(--ink);background:var(--white);font:17px/1.65 DM,system-ui,sans-serif}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.15;letter-spacing:-.035em}h1{font-size:clamp(2.2rem,4.8vw,4.7rem);max-width:19ch}h2{font-size:clamp(1.65rem,3vw,2.45rem)}h3{font-size:1.3rem;line-height:1.3}p{margin-bottom:1.2rem}a{color:var(--teal);text-underline-offset:.22em}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button,summary{cursor:pointer}button{border:0}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #1463e5;outline-offset:4px}button:disabled{cursor:default;opacity:.5}img{max-width:100%}.wrap{width:min(1160px,calc(100% - 48px));margin:auto}.skip{position:absolute;top:-100px;background:#fff;padding:12px;z-index:100}.skip:focus{top:0}.topbar{background:var(--navy);color:#dbe5f3;font-size:.81rem;padding:8px 0}.topbar .wrap{display:flex;justify-content:space-between;gap:16px}.topbar span:last-child{color:var(--mint)}header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}.header-inner{min-height:86px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:10px;color:var(--navy);font-size:1.12rem;line-height:1.15;font-weight:bold;text-decoration:none;flex-shrink:0}.brand b{background:var(--navy);color:var(--mint);border-radius:10px;padding:11px 9px;font-size:.93rem;letter-spacing:-.04em}.brand em{display:block;font-style:normal;font-weight:400}.nav{display:flex;align-items:center;gap:24px;font-size:.9rem}.nav>a{color:var(--ink);text-decoration:none}.nav>a[aria-current]{font-weight:bold;color:var(--teal)}.language{position:relative}.language summary{list-style:none;border:1px solid var(--line);border-radius:7px;padding:6px 9px;font-size:.85rem}.language[open]>div{position:absolute;right:0;top:45px;min-width:160px;padding:8px;background:#fff;box-shadow:0 10px 40px #14233820;border:1px solid var(--line);border-radius:12px}.language a{display:block;padding:6px 12px;text-decoration:none;color:var(--ink)}.language a:hover{background:var(--paper)}.menu-btn{display:none;background:var(--paper);padding:8px 12px;border-radius:8px;color:var(--ink)}.button{display:inline-flex;justify-content:center;align-items:center;gap:10px;padding:13px 21px;border-radius:9px;text-decoration:none;font-weight:700;background:var(--navy);color:#fff;line-height:1.4;min-height:48px}.button:hover{background:#243b57}.button.secondary{background:#fff;color:var(--ink);border:1px solid #c8d6e3}.button.mint{background:var(--mint);color:var(--navy)}.button.mint:hover{background:#a3f6d8}.actions{display:flex;flex-wrap:wrap;align-items:center;gap:12px}.eyebrow{text-transform:uppercase;color:var(--teal);font-size:.8rem;letter-spacing:.16em;font-weight:bold;margin-bottom:22px}.hero{padding:78px 0 68px;display:grid;grid-template-columns:1.12fr .88fr;align-items:center;gap:60px}.hero h1{font-family:Playfair,Georgia,serif;font-weight:800;font-size:clamp(2.6rem,4.7vw,4.1rem);max-width:17ch;line-height:1.12}.hero .lead{max-width:50ch}.lead{color:var(--muted);font-size:1.17rem;line-height:1.65}.micro{font-size:.81rem;color:var(--muted);line-height:1.55}.hero .micro{margin-top:19px}.example{background:var(--navy);color:#fff;padding:35px;border-radius:var(--radius);box-shadow:0 24px 45px #14233814}.example .eyebrow{color:var(--mint);font-size:.73rem;letter-spacing:.11em;margin-bottom:18px}.example .note{color:#aebed2;font-size:.85rem}.example .big{font-size:3.8rem;letter-spacing:-.05em;line-height:1.1;color:var(--mint);margin:9px 0 28px;font-weight:bold}.example hr{border:0;border-top:1px solid #304053;margin:24px 0}.example .example-foot{display:flex;justify-content:space-between;align-items:center;gap:16px;font-size:.85rem}.example .example-foot strong{font-size:1.55rem;white-space:nowrap}.example .micro{color:#b6c8db}.strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:22px 0;background:var(--paper)}.strip .wrap{display:flex;justify-content:space-between;gap:20px;font-size:.88rem;color:#33465f}.section{padding:65px 0}.section.alt{background:var(--paper);border-block:1px solid var(--line)}.section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:30px}.section-head h2{margin-bottom:12px;max-width:26ch}.section-head p{color:var(--muted);margin:0;max-width:56ch}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{display:flex;flex-direction:column;text-decoration:none;color:var(--ink);background:#fff;border:1px solid var(--line);padding:26px;border-radius:12px;transition:border-color .15s,transform .15s}.card:hover{border-color:var(--teal);transform:translateY(-2px)}.card .num{font-size:.8rem;color:var(--teal);margin-bottom:22px;font-weight:bold;letter-spacing:.08em}.card h3{margin-bottom:13px}.card p{color:var(--muted);font-size:.95rem;line-height:1.6;margin-bottom:18px}.card .more{margin-top:auto;color:var(--teal);font-size:.88rem;font-weight:bold}.feature{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.feature h2{max-width:17ch;font-size:2.7rem}.formula-card{border-left:4px solid var(--mint);padding:28px;background:var(--navy);color:#e0e9f7;border-radius:0 12px 12px 0}.formula-card code{display:block;color:var(--mint);font-size:1.15rem;margin-top:17px;overflow-wrap:anywhere}.cta{background:var(--navy);color:#fff;padding:38px;border-radius:var(--radius);display:grid;grid-template-columns:1.25fr 1fr;gap:30px;align-items:center}.cta h2{font-size:1.85rem}.cta p{color:#bdcce0}.cta .micro{color:#bdcce0;margin-top:15px;margin-bottom:0}.cta .action-side{max-width:410px}.country-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}.country-link{border:1px solid var(--line);border-radius:10px;padding:18px 12px;text-align:center;text-decoration:none;color:var(--ink);font-size:.93rem}.country-link strong{display:block;font-size:1.5rem;margin-bottom:8px}.country-link small{display:block;color:var(--muted);font-size:.8rem}.page-head{padding:44px 0 28px}.crumb{font-size:.85rem;color:var(--muted);margin-bottom:24px}.crumb a{color:var(--muted)}.page-head h1{font-size:clamp(2rem,4vw,3.3rem);max-width:29ch}.page-head .lead{max-width:70ch}.page-head .meta{font-size:.82rem;color:var(--muted)}.article-layout{display:grid;grid-template-columns:245px minmax(0,1fr);gap:55px;padding:12px 0 60px}.toc{align-self:start;position:sticky;top:115px;border-top:3px solid var(--mint);padding-top:18px;font-size:.87rem}.toc strong{display:block;margin-bottom:12px}.toc a{display:block;color:var(--muted);text-decoration:none;padding:7px 0;line-height:1.45}.toc a:hover{color:var(--teal)}.prose{max-width:790px}.prose h2{font-size:1.85rem;margin-top:44px;line-height:1.25}.prose h2:first-child{margin-top:0}.prose h3{margin-top:30px}.prose li{padding-left:3px;margin:10px 0}.prose ul,.prose ol{padding-left:23px}.prose p{line-height:1.8}.prose .cta{display:block;margin-top:38px;padding:28px}.prose .cta h2{font-size:1.55rem;margin-top:0}.prose .cta .action-side{max-width:none}.table-wrap{overflow:auto;margin:25px 0;border:1px solid var(--line);border-radius:10px}table{border-collapse:collapse;width:100%;font-size:.94rem}th{text-align:left;background:var(--paper);color:var(--ink)}td,th{padding:15px 18px;border-bottom:1px solid var(--line);vertical-align:top;min-width:130px}tr:last-child td{border-bottom:0}.sources{border:1px solid var(--line);background:var(--paper);padding:23px;border-radius:12px;margin:35px 0}.sources p{font-size:.88rem;margin-bottom:0}.sources a{margin-right:16px}.calculator{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;margin:0 0 20px;box-shadow:0 10px 35px #1423380a}.calculator form{padding:28px;min-width:0}.calculator h2{font-size:1.2rem;margin-bottom:20px}.mode-label{font-size:.88rem;font-weight:bold;display:block;margin-bottom:9px}fieldset{padding:0;border:0;margin:0}.modes{display:grid;grid-template-columns:repeat(3,1fr);gap:7px;margin-bottom:14px}.modes label{position:relative;cursor:pointer}.modes input{position:absolute;opacity:0;inset:0;width:100%;height:100%;cursor:pointer}.modes span{display:flex;align-items:center;justify-content:center;min-height:52px;padding:8px;border:1px solid var(--line);border-radius:8px;font-size:.83rem;line-height:1.3;text-align:center}.modes input:checked+span{background:var(--navy);color:#fff;border-color:var(--navy)}.modes input:focus-visible+span{outline:3px solid #1463e5;outline-offset:2px}.mode-help{font-size:.83rem;line-height:1.5;color:var(--muted);min-height:40px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field label{display:block;font-size:.88rem;margin-bottom:6px;color:#33465f}.field input,.field select{width:100%;padding:11px 12px;border:1px solid #b8c8d8;border-radius:8px;line-height:1.3;background:#fff;color:var(--ink);min-height:47px}.field input[aria-invalid=true]{border-color:#b42436}.fields .full{grid-column:1/-1}.calc-actions{display:flex;gap:14px;align-items:center;margin-top:22px}.text-btn{background:transparent;color:var(--teal);font-size:.85rem;text-decoration:underline;text-underline-offset:3px}.results{background:var(--navy);color:#fff;padding:29px;display:flex;flex-direction:column;gap:0;min-width:0}.results h2{color:#c7d5e8}.metric{display:flex;align-items:center;justify-content:space-between;gap:15px;padding:13px 0;border-bottom:1px solid #2b4058;font-size:.92rem}.metric output{font-size:1.25rem;font-weight:700;white-space:nowrap}.metric.main{display:block;padding-top:0}.metric.main span{display:block;color:#c7d5e8}.metric.main output{font-size:3.4rem;display:block;color:var(--mint);letter-spacing:-.05em;margin-top:3px;white-space:normal;overflow-wrap:anywhere}.results .micro{color:#b7c9dc;margin:18px 0 0}.metric .loss{color:#ffb8b8}.metric .gain{color:var(--mint)}.error{background:#fff1f1;color:#991c2a;border:1px solid #ecb9c0;border-radius:7px;padding:10px;font-size:.86rem;margin:16px 0 0}.calc-note{border-left:3px solid #9cb2c6;padding:3px 0 3px 15px;font-size:.89rem;color:var(--muted)}.calculator[data-invalid=true] .results output{color:#b4bdc9}.small-prose{max-width:880px;padding-top:42px}.small-prose h2{font-size:1.7rem;margin-top:32px}.small-prose details{border-bottom:1px solid var(--line);padding:18px 0}.small-prose summary{font-weight:bold}.small-prose details p{margin:15px 0 0;color:var(--muted)}footer{margin-top:55px;background:var(--paper);border-top:1px solid var(--line);padding:40px 0 25px}.footer-top{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:35px}.footer-links{display:grid;align-content:start;gap:9px;font-size:.88rem}.footer-links a{color:var(--muted);text-decoration:none}.footer-links button{text-align:left;padding:0;color:var(--muted);font-size:.88rem;background:none}.footer-bottom{margin-top:30px;border-top:1px solid var(--line);padding-top:22px;font-size:.8rem;color:var(--muted)}.cookie-panel{position:fixed;z-index:60;bottom:18px;left:18px;max-width:445px;max-height:85vh;overflow:auto;background:#fff;border:1px solid #afc3d4;border-radius:13px;padding:23px;box-shadow:0 14px 70px #0b172938}.cookie-panel h2{font-size:1.2rem;margin-bottom:10px}.cookie-panel p{font-size:.88rem;line-height:1.55;color:var(--muted)}.cookie-panel .actions{display:grid;grid-template-columns:1fr 1fr;gap:10px}.cookie-panel button{font-size:.85rem;padding:10px 12px}.cookie-panel[hidden]{display:none}.cookie-panel a{font-size:.83rem}.status{font-size:.8rem;color:var(--muted)}.empty{padding:80px 0;max-width:750px}.empty h1{font-size:3rem}.topic{margin-bottom:20px;padding:20px;border:1px solid var(--line);border-radius:8px}.topic h2{font-size:1.4rem}.topic p{font-size:.95rem}.source-note{font-size:.87rem;color:var(--muted)}[hidden]{display:none!important}
@media(max-width:1000px){.nav{gap:14px;font-size:.82rem}.hero{gap:32px}.country-grid{grid-template-columns:repeat(3,1fr)}.hero h1{font-size:3.4rem}.header-inner{gap:16px}.article-layout{grid-template-columns:200px 1fr;gap:30px}.brand{font-size:1rem}.example{padding:27px}}
@media(max-width:760px){body{font-size:16px}.wrap{width:calc(100% - 32px)}.topbar{font-size:.73rem}.topbar .wrap span:last-child{display:none}.header-inner{min-height:72px;gap:12px;flex-wrap:wrap}.brand{margin-right:auto;font-size:.95rem}.brand b{padding:9px 8px}.menu-btn{display:block}.nav{width:100%;order:5;display:none;flex-wrap:wrap;gap:10px;padding:0 0 17px;font-size:.92rem}.nav.open{display:flex}.nav a{padding:7px 10px;border-radius:7px;background:var(--paper)}.hero{display:block;padding:44px 0}.hero h1{font-size:clamp(2.5rem,10vw,3.6rem);max-width:19ch}.hero .lead{font-size:1.08rem}.example{margin-top:35px;padding:25px}.example .big{font-size:3.4rem}.hero .micro{margin-top:15px}.section{padding:42px 0}.section-head{display:block}.section-head h2{max-width:none}.grid{grid-template-columns:1fr}.card{padding:22px}.card .num{margin-bottom:13px}.feature{display:block}.feature h2{font-size:2.2rem;max-width:none}.formula-card{margin-top:26px}.cta{display:block;padding:26px}.cta h2{font-size:1.65rem}.country-grid{grid-template-columns:1fr 1fr}.strip .wrap{display:grid;grid-template-columns:1fr;gap:8px}.page-head{padding-top:30px}.page-head h1{font-size:2.2rem}.article-layout{display:block;padding-top:0}.toc{position:static;border:1px solid var(--line);border-top:3px solid var(--mint);border-radius:8px;padding:16px 20px;margin-bottom:30px}.toc a{padding:5px 0}.prose h2{font-size:1.65rem}.calculator{display:block}.calculator form,.results{padding:22px}.calculator .modes span{font-size:.8rem}.calc-actions{align-items:start;flex-direction:column;gap:12px}.results .metric.main output{font-size:3.1rem}.metric output{font-size:1.15rem}.footer-top{grid-template-columns:1fr 1fr;gap:28px}.footer-top>div:first-child{grid-column:1/-1}.cookie-panel{left:12px;bottom:12px;width:calc(100% - 24px);max-width:445px;padding:20px}.lead{font-size:1.08rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}