:root{--bg:#fff;--panel:#f7f9fb;--edge:#dbe2ea;--ink:#1a2332;--muted:#5b6673;--trend:#d97706;--accent:#d97706;--dot:#334155}*{box-sizing:border-box}body,html{margin:0;padding:0}body{background:var(--bg);color:var(--ink);font:15px/1.5 -apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif}a{color:#2563eb}header{padding:26px 16px 4px;max-width:1180px;margin:0 auto;text-align:center}h1{margin:0;font-size:30px;font-weight:700;letter-spacing:-.4px}.tagline{color:var(--ink);font-size:17px;margin-top:5px;font-weight:500}.formula{color:var(--muted);font-size:12px;margin-top:7px;font-family:ui-monospace,Menlo,Consolas,monospace}.wrap{max-width:1180px;margin:0 auto;padding:0 16px 60px}.kpi{background:var(--panel);border:1px solid var(--edge);border-radius:14px;padding:18px 20px;margin:18px 0 8px}.kpi h2{margin:0;font-size:11px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--muted)}.kpi-verdict{margin:6px 0 0;font-size:17px;line-height:1.45}.kpi p,.kpi-verdict{color:var(--ink);text-wrap:pretty}.kpi p{margin:0;font-size:15px;line-height:1.65}.kpi .grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));grid-gap:12px;gap:12px;margin-top:14px}.kpi .cell{background:#fff;border:1px solid var(--edge);border-radius:10px;padding:11px 13px}.kpi .cell .lab{font-size:11px;text-transform:uppercase;letter-spacing:.5px;color:var(--muted)}.kpi .cell .num{font-size:21px;font-weight:700;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;margin-top:3px}.kpi .asof{font-size:12px;color:var(--muted);margin-top:12px}.intro{margin:16px 0 6px;font-size:15px;line-height:1.6}.intro>p{margin:0 auto 12px;max-width:980px;color:var(--ink);text-align:center;text-wrap:balance}.intro .note{font-size:13px;color:var(--muted);margin-top:12px;text-align:center}.intro details{border:1px solid var(--edge);border-radius:10px;background:var(--panel);margin:8px 0;padding:0 16px}.intro summary{cursor:pointer;padding:11px 0;font-weight:600;font-size:14.5px;list-style:none;color:var(--ink)}.intro summary::-webkit-details-marker{display:none}.intro summary:before{content:"+ ";color:var(--accent);font-weight:700}.intro details[open] summary:before{content:"\2013 "}.intro details ul{margin:0 0 12px;padding-left:20px}.intro details li{margin:6px 0;max-width:820px}footer{max-width:1180px;margin:26px auto 0;padding:0 16px 40px;color:var(--muted);font-size:12px;line-height:1.6}footer a{color:var(--dot)}footer nav{margin-bottom:12px;font-size:13px}footer nav a{margin-right:16px;color:var(--ink);font-weight:500}.topnav{display:flex;align-items:center;justify-content:space-between;gap:12px;max-width:1180px;margin:0 auto;padding:12px 16px;border-bottom:1px solid var(--edge)}.topnav .brand{font-weight:700;color:var(--ink);text-decoration:none;font-size:15px}.topnav-links a{margin-left:18px;color:var(--muted);text-decoration:none;font-size:14px;font-weight:500}.topnav-links a:hover{color:var(--ink)}.calc-grid{display:grid;grid-template-columns:1fr 1fr;grid-gap:14px;gap:14px;margin:14px 0}@media(max-width:720px){.calc-grid{grid-template-columns:1fr}}.card.calc h2{font-size:15px;margin:0 0 10px}.calc-label{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);margin-bottom:6px}.calc-input{width:100%;background:#fff;border:1px solid var(--edge);border-radius:8px;padding:9px 11px;font-size:15px;color:var(--ink)}.calc-out{margin-top:14px}.calc-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0;border-bottom:1px solid var(--edge);font-size:14px}.calc-row b{font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.calc-big{font-size:22px;font-weight:700;color:var(--ink);margin-top:4px}.calc-note{font-size:13px;color:var(--muted);margin:8px 0 0;line-height:1.55}.calc-csv{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin:8px 0 4px}.calc-csv button.primary{background:var(--accent);border:1px solid var(--accent);color:#1a1206;font-weight:600;border-radius:8px;padding:11px 18px;font-size:14px;cursor:pointer}.calc-csv button.primary:hover{filter:brightness(1.08)}.theory-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));grid-gap:14px;gap:14px;margin:16px 0}.theory-card{display:block;text-decoration:none;background:var(--panel);border:1px solid var(--edge);border-radius:12px;padding:18px 20px;color:var(--ink)}.theory-card:hover{border-color:var(--accent)}.theory-card h2{margin:0 0 8px;font-size:16px}.theory-card p{margin:0;font-size:14px;color:var(--muted);line-height:1.55}.theory-more{display:inline-block;margin-top:10px;color:var(--accent);font-weight:600;font-size:13px}.article{max-width:760px;margin:8px auto 0;font-size:16px;line-height:1.7;color:var(--ink)}.article h2{font-size:20px;margin:28px 0 8px;letter-spacing:-.2px}.article p{margin:0 0 14px}.article .eq{background:var(--panel);border:1px solid var(--edge);border-radius:8px;padding:12px 14px;font-size:15px;text-align:center}.article .eq,.article code{font-family:ui-monospace,Menlo,Consolas,monospace}.article code{background:#f0f2f5;padding:1px 5px;border-radius:4px;color:#b45309;font-size:14px}.article .back{margin-top:28px;font-size:14px}.article .disclaimer{font-size:12px;color:var(--muted);margin-top:8px}@media(max-width:600px){.topnav{padding:10px 13px}.topnav .brand{font-size:13px}.topnav-links a{margin-left:12px;font-size:13px}header{padding:18px 14px 2px}h1{font-size:25px}.tagline{font-size:15px}.wrap{padding:0 13px 48px}.kpi{padding:15px 14px}.kpi-verdict{font-size:15px}.kpi .grid{grid-template-columns:1fr 1fr;gap:9px}.kpi .cell{padding:9px 11px}.kpi .cell .num{font-size:17px}.kpi .cell .lab{font-size:10px}.intro>p{font-size:14.5px}.calc-grid{gap:12px}.article{font-size:15.5px}.article h2{font-size:18px}}