/* Public calculators (/tools): same look as the landing — light blue-grey page, glass cards, dark ink buttons. */
:root{--bg:#e9eef6;--ink:#0f172a;--ink2:#475569;--muted:#7a849c;--line:#dfe5ef;--card:rgba(255,255,255,.82);--blue:#2948e9;--orange:#d9622b;--teal:#1a9e8f;--good:#13906b;--bad:#c62828;--warn:#b7791f}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:'DP Figures',Manrope,system-ui,sans-serif;font-size:16px;line-height:1.55}
a{color:inherit}
.tnav{position:sticky;top:12px;z-index:20;width:min(1100px,calc(100% - 24px));margin:12px auto 0;height:54px;border-radius:14px;background:rgba(255,255,255,.86);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);box-shadow:0 4px 24px rgba(40,60,100,.1);display:flex;align-items:center;justify-content:space-between;gap:12px;padding:0 10px 0 18px}
.tnav .logo{font-weight:800;font-size:16px;text-decoration:none}
.tnav nav{display:flex;align-items:center;gap:14px}
.tnav nav>a{text-decoration:none;color:var(--ink2);font-weight:600;font-size:14px}
.tnav .bt{background:var(--ink);color:#fff;border-radius:10px;display:inline-flex;align-items:center;min-height:38px;padding:0 16px;font-weight:800;font-size:14px;text-decoration:none;white-space:nowrap}
.lang-switch{display:inline-flex;gap:2px;padding:3px;border-radius:10px;background:#e9eef9}
.lang-switch button{min-width:34px;min-height:30px;border:0;border-radius:8px;background:none;font-weight:800;font-size:12px;font-family:inherit;color:var(--ink);opacity:.6;cursor:pointer}
.lang-switch button.on{background:#fff;opacity:1;box-shadow:0 1px 3px rgba(20,40,90,.12)}
@media(max-width:640px){.tnav nav>a.hide-s{display:none}.tnav{padding:0 8px 0 14px}.tnav .bt{padding:0 12px}}
.wrap{width:min(1100px,calc(100% - 32px));margin:0 auto}
.crumbs{margin:30px 0 8px;font-size:13px;color:var(--muted);font-weight:600}.crumbs a{text-decoration:none;color:var(--ink2)}.crumbs a:hover{color:var(--ink)}
h1{margin:0;font-size:clamp(30px,4.6vw,48px);line-height:1.08;letter-spacing:-.025em;font-weight:800}
.lead{margin:12px 0 0;max-width:720px;font-size:17px;font-weight:600;color:var(--ink2)}
.card{background:var(--card);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.95);border-radius:22px;box-shadow:0 8px 28px rgba(40,60,100,.08)}
/* calculator */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:20px;margin:28px 0 22px;align-items:start}
@media(max-width:860px){.calc{grid-template-columns:1fr}}
.inputs{padding:24px}.res{padding:24px;position:sticky;top:84px}
@media(max-width:860px){.res{position:static}}
.ihead{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:14px}.ihead h2{margin:0;font-size:18px}
.cur{font:inherit;font-size:14px;font-weight:700;border:1px solid var(--line);border-radius:10px;background:#fff;padding:7px 10px;color:var(--ink);cursor:pointer}
.f{display:block;margin:0 0 14px}.f>span{display:block;font-size:14px;font-weight:700;margin-bottom:6px}.f small{display:block;color:var(--muted);font-size:12.5px;font-weight:600;margin-top:5px;line-height:1.4}
.box{display:flex;align-items:center;background:#fff;border:1px solid var(--line);border-radius:12px;transition:border-color .15s,box-shadow .15s}
.box:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(41,72,233,.14)}
.box input,.box select{flex:1;min-width:0;width:100%;border:0;background:none;font:inherit;font-size:17px;font-weight:700;padding:12px 14px;color:var(--ink);outline:none;font-variant-numeric:tabular-nums}
.box select{cursor:pointer;font-size:16px}
.box .sfx{padding:0 14px 0 0;color:var(--muted);font-weight:700;white-space:nowrap}
.row2{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px}.row2>*{min-width:0}@media(max-width:420px){.row2{grid-template-columns:1fr}}
.seg{display:flex;gap:4px;padding:4px;background:#eef2f9;border-radius:12px;margin-bottom:14px;flex-wrap:wrap}
.seg button{flex:1;min-height:38px;border:0;border-radius:9px;background:none;font:inherit;font-size:13.5px;font-weight:700;color:var(--ink2);cursor:pointer;padding:0 10px}
.seg button.on{background:#fff;color:var(--ink);box-shadow:0 1px 4px rgba(20,40,90,.12)}
.sub{margin:18px 0 12px;padding-top:16px;border-top:1px solid var(--line)}.sub h3{margin:0 0 4px;font-size:16px}.sub p{margin:0 0 12px;color:var(--muted);font-size:13.5px;font-weight:600}
details.more{margin:4px 0 14px}details.more summary{cursor:pointer;font-weight:700;font-size:14px;color:var(--blue);list-style:none}details.more summary::-webkit-details-marker{display:none}details.more[open] summary{margin-bottom:12px}
/* results */
.big{font-size:13px;font-weight:700;color:var(--ink2)}.bignum{font-size:clamp(34px,5vw,46px);font-weight:800;letter-spacing:-.02em;line-height:1.1;margin:4px 0 2px;font-variant-numeric:tabular-nums}
.bignum.bad{color:var(--bad)}.bignote{color:var(--ink2);font-weight:600;font-size:14.5px;margin:0 0 16px}
.verdict{display:flex;gap:10px;align-items:flex-start;border-radius:14px;padding:12px 14px;font-weight:600;font-size:14px;margin:0 0 16px;line-height:1.45}
.verdict i{font-style:normal;font-weight:800;flex:none;width:22px;height:22px;border-radius:50%;display:grid;place-items:center;font-size:13px;color:#fff}
.verdict.good{background:#e8f6f0;color:#0d5c45}.verdict.good i{background:var(--good)}
.verdict.warn{background:#fdf4e3;color:#6b4a0c}.verdict.warn i{background:var(--warn)}
.verdict.bad{background:#fdecec;color:#7d1a1a}.verdict.bad i{background:var(--bad)}
.kv{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:0 0 16px}
.kv div{background:#f4f7fc;border-radius:14px;padding:12px 14px}.kv span{display:block;font-size:12.5px;font-weight:700;color:var(--ink2)}.kv b{display:block;font-size:19px;margin-top:2px;font-variant-numeric:tabular-nums}.kv b.good{color:var(--good)}
.stack{display:flex;gap:2px;height:14px;border-radius:7px;overflow:hidden;margin:6px 0 10px;background:#eef1f8}.stack i{display:block;height:100%;min-width:0}
.legend{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:13px;font-weight:600;color:var(--ink2);margin:0 0 6px}.legend span{display:inline-flex;align-items:center;gap:6px}.legend i{width:10px;height:10px;border-radius:3px;display:inline-block}
.legend b{color:var(--ink);font-variant-numeric:tabular-nums}
.prog{height:12px;border-radius:6px;background:#eef1f8;overflow:hidden;margin:8px 0 6px}.prog i{display:block;height:100%;border-radius:6px;background:var(--blue)}
/* charts */
.chart{position:relative;margin:8px 0 26px;height:190px}
.bars{position:absolute;inset:0 0 0 0;display:flex;align-items:flex-end;gap:3px}
.bars .col{flex:1;min-width:0;height:100%;display:flex;flex-direction:column-reverse;gap:2px;cursor:default}
.bars .col i{display:block;width:100%;min-height:0}.bars .col i:last-child{border-radius:4px 4px 0 0}
.bars .col:hover i{filter:brightness(1.12)}
.chart svg{position:absolute;inset:0;width:100%;height:100%;overflow:visible}
.chart .xl{position:absolute;left:0;right:0;top:100%;height:20px}.chart .xl span{position:absolute;transform:translateX(-50%);}.chart .xl span.first{transform:none}.chart .xl span.last{transform:translateX(-100%)}.chart .xl span{margin-top:6px;font-size:11px;color:var(--muted);font-weight:600;white-space:nowrap}
.chart .grid{position:absolute;left:0;right:0;border-top:1px dashed #dde3ee;pointer-events:none}.chart .gl{position:absolute;left:0;right:0;height:0;z-index:2;pointer-events:none}.chart .gl span{position:absolute;right:0;top:-17px;background:rgba(255,255,255,.88);padding:0 4px;border-radius:4px;font-size:10.5px;color:var(--muted);font-weight:600}
.chart .cross{position:absolute;top:0;bottom:0;width:1px;background:#9aa5b6;display:none;pointer-events:none}
.chart .dot{position:absolute;width:10px;height:10px;border-radius:50%;border:2px solid #fff;transform:translate(-50%,-50%);display:none;pointer-events:none;box-shadow:0 0 0 1px rgba(0,0,0,.05)}
.tip{position:absolute;z-index:5;pointer-events:none;background:#16203a;color:#fff;border-radius:10px;padding:8px 10px;font-size:12.5px;font-weight:600;line-height:1.5;white-space:nowrap;display:none;box-shadow:0 6px 18px rgba(0,0,0,.18)}
.tip b{font-weight:800}.tip i{display:inline-block;width:8px;height:8px;border-radius:2px;margin-right:6px}
.tbl{margin-top:6px}.tbl summary{cursor:pointer;font-weight:700;font-size:14px;color:var(--blue);list-style:none}.tbl summary::-webkit-details-marker{display:none}
.tw{max-height:360px;overflow:auto;margin-top:10px;border:1px solid var(--line);border-radius:12px;background:#fff}
.tw table{width:100%;border-collapse:collapse;font-size:13px;font-variant-numeric:tabular-nums}.tw th{position:sticky;top:0;background:#f6f8fc;text-align:right;font-size:12px;color:var(--ink2);padding:8px 10px;font-weight:700}.tw th:first-child,.tw td:first-child{text-align:left}
.tw td{padding:7px 10px;border-top:1px solid #f0f2f7;text-align:right;white-space:nowrap}
.share{margin-top:14px;display:flex;gap:8px;flex-wrap:wrap}.share button{font:inherit;font-size:13px;font-weight:700;border:1px solid var(--line);background:#fff;border-radius:10px;padding:8px 12px;cursor:pointer;color:var(--ink)}
/* call to action */
.cta{padding:26px 28px;display:flex;gap:20px;align-items:center;justify-content:space-between;margin:0 0 40px;background:linear-gradient(135deg,#16203a,#2446b6);color:#fff;border:0}
.cta h2{margin:0 0 4px;font-size:21px}.cta p{margin:0;opacity:.85;font-weight:600;font-size:15px;max-width:620px}
.cta a,.cta button{flex:none;background:#fff;color:var(--ink);border:0;border-radius:12px;min-height:48px;padding:0 22px;display:inline-flex;align-items:center;font:inherit;font-weight:800;font-size:15px;text-decoration:none;cursor:pointer}
@media(max-width:700px){.cta{flex-direction:column;align-items:flex-start;padding:22px}}
/* article */
.art{padding:34px 40px;margin:0 0 28px}@media(max-width:640px){.art{padding:24px 20px}}
.art h2{font-size:24px;margin:30px 0 10px;letter-spacing:-.01em}.art h2:first-child{margin-top:0}.art h3{font-size:18px;margin:22px 0 8px}
.art p,.art li{color:#334155;font-size:16.5px;line-height:1.7}.art ul,.art ol{padding-left:22px}
.art .formula{background:#f4f7fc;border-radius:12px;padding:12px 16px;font-weight:700;font-size:15.5px;overflow-x:auto}
.faq details{border-top:1px solid var(--line);padding:14px 0}.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-weight:800;font-size:16.5px;list-style:none;display:flex;justify-content:space-between;gap:12px}.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:'+';color:var(--muted);font-weight:700}.faq details[open] summary:after{content:'–'}.faq details p{margin:10px 0 0}
.others h2{font-size:22px;margin:0 0 14px}
.tgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:16px;margin:0 0 48px}
.tcard{padding:22px;text-decoration:none;display:flex;flex-direction:column;gap:6px;transition:transform .15s,box-shadow .15s}
.tcard:hover{transform:translateY(-2px);box-shadow:0 14px 34px rgba(40,60,100,.14)}
.tcard .ico{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:#eef2ff;color:var(--blue);margin-bottom:6px}
.tcard .ico svg{width:22px;height:22px}
.tcard b{font-size:17px}.tcard span{color:var(--ink2);font-size:14.5px;font-weight:600;line-height:1.45}
.hero-t{margin:34px 0 26px}
.tfoot{padding:10px 0 40px;color:var(--muted);font-size:14px;display:flex;gap:16px;flex-wrap:wrap}.tfoot a{color:var(--ink2);text-decoration:none}
.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%);background:#16203a;color:#fff;border-radius:12px;padding:10px 16px;font-weight:700;font-size:14px;display:none;z-index:50}
[hidden]{display:none!important}