:root{--bg:#f7f9fc;--text:#172033;--muted:#637083;--card:#fff;--line:#e5eaf1;--accent:#1565d8;--accent2:#0e4faa}
*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:var(--bg);line-height:1.6}
a{text-decoration:none;color:inherit}.container{width:min(1120px,92%);margin:auto}.narrow{width:min(760px,92%)}.site-header{position:sticky;top:0;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);z-index:10}.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px}.brand{font-size:1.35rem;font-weight:800}.brand span{color:var(--accent)}nav{display:flex;gap:24px;color:#445066;font-weight:600}
.hero{padding:78px 0 54px;background:linear-gradient(180deg,#fff,#f5f8fe)}.hero-grid,.info-grid,.calc-layout{display:grid;grid-template-columns:1.25fr .75fr;gap:42px;align-items:center}.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.12em;color:var(--accent);margin-bottom:10px}.hero h1,.section h1{font-size:clamp(2.1rem,5vw,4.5rem);line-height:1.03;margin:0 0 18px;letter-spacing:-.04em}.hero p,.lead{font-size:1.12rem;color:var(--muted);max-width:760px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.btn{display:inline-flex;justify-content:center;align-items:center;padding:13px 18px;border-radius:12px;font-weight:700;border:1px solid transparent;cursor:pointer}.primary{background:var(--accent);color:white}.primary:hover{background:var(--accent2)}.secondary{background:white;border-color:var(--line)}.full{width:100%;margin-top:8px}.trust-row{display:flex;gap:20px;flex-wrap:wrap;color:#566277;font-size:.92rem}.hero-card{background:#101a30;border-radius:24px;padding:28px;color:white;box-shadow:0 25px 70px rgba(23,32,51,.18)}.mini-card{background:rgba(255,255,255,.08);padding:22px;border-radius:18px}.mini-card span,.mini-card small{display:block;color:#c9d3e6}.mini-card strong{font-size:2.2rem;display:block;margin:4px 0}.bars{height:150px;display:flex;align-items:end;gap:12px;padding:24px 6px 4px}.bars div{flex:1;background:#65a2ff;border-radius:8px 8px 2px 2px}
.section{padding:72px 0}.alt{background:white}.section-head{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:28px}.section h2{font-size:2rem;letter-spacing:-.03em;margin:0}.section-head p{color:var(--muted);max-width:420px}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.calc-card{background:var(--card);border:1px solid var(--line);padding:24px;border-radius:18px;transition:.2s}.calc-card:hover{transform:translateY(-3px);box-shadow:0 14px 35px rgba(23,32,51,.08);border-color:#ccd8ea}.calc-card .icon{font-size:1.8rem}.calc-card h3{margin:12px 0 6px}.calc-card p{color:var(--muted);min-height:72px}.calc-card span{color:var(--accent);font-weight:800}.feature-list{display:grid;gap:14px}.feature-list div{background:var(--bg);padding:18px;border-radius:14px}.feature-list strong{display:block}.feature-list span{color:var(--muted)}
footer{background:#111827;color:#dce3ef;padding:34px 0 20px}.footer-grid{display:flex;justify-content:space-between;gap:30px}.footer-grid p{color:#96a1b4}.footer-grid>div:last-child{display:flex;gap:18px;flex-wrap:wrap}.copyright{border-top:1px solid rgba(255,255,255,.08);padding-top:16px;margin-top:20px;color:#99a4b6;font-size:.9rem}
.calc-layout{align-items:start;grid-template-columns:minmax(0,1fr) 300px}.calculator-box{background:white;border:1px solid var(--line);border-radius:18px;padding:24px;margin:28px 0}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}label{font-weight:700;font-size:.92rem}input{width:100%;margin-top:7px;padding:12px 13px;border:1px solid #ccd5e3;border-radius:10px;font:inherit}.result-box{margin-top:18px;background:#eef5ff;border:1px solid #cfe0fa;padding:18px;border-radius:14px}.result-box h3{margin-top:0;font-size:1.5rem}.content-block{background:white;border:1px solid var(--line);border-radius:18px;padding:24px}.sidebar{position:sticky;top:92px}.ad-placeholder{height:250px;border:1px dashed #bdc8d8;border-radius:14px;display:grid;place-items:center;color:#98a4b5;background:white;margin-bottom:16px}.side-card{background:white;border:1px solid var(--line);border-radius:14px;padding:18px;display:grid;gap:10px}.side-card strong{margin-bottom:4px}.side-card a{color:var(--accent)}
@media(max-width:860px){nav{display:none}.hero-grid,.info-grid,.calc-layout{grid-template-columns:1fr}.card-grid{grid-template-columns:1fr 1fr}.sidebar{position:static}.section-head{display:block}.form-grid{grid-template-columns:1fr}}
@media(max-width:580px){.card-grid{grid-template-columns:1fr}.hero{padding-top:52px}.hero h1,.section h1{font-size:2.5rem}.section{padding:52px 0}.footer-grid{display:block}.trust-row{gap:10px}.calculator-box{padding:18px}}

/* V1.1 enhancements */
.top-strip{background:#0f172a;color:#d8e2f2;font-size:.84rem;padding:8px 0}
.top-strip .container{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
.badge{display:inline-flex;align-items:center;gap:6px;background:#eaf2ff;color:#0f5dca;border-radius:999px;padding:6px 10px;font-size:.78rem;font-weight:800}
.category-tabs{display:flex;gap:10px;flex-wrap:wrap;margin:22px 0 8px}
.category-tabs a{background:white;border:1px solid var(--line);padding:9px 12px;border-radius:999px;font-weight:700;font-size:.88rem}
.category-tabs a:hover{border-color:#b9cae4;color:var(--accent)}
.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:16px}
.stat{background:white;border:1px solid #d7e2f2;border-radius:12px;padding:14px}
.stat small{display:block;color:var(--muted);font-size:.78rem}.stat strong{font-size:1.15rem}
.faq{margin-top:28px}.faq details{background:white;border:1px solid var(--line);border-radius:12px;padding:15px 16px;margin-bottom:10px}.faq summary{cursor:pointer;font-weight:800}.faq p{color:var(--muted)}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:15px}.breadcrumbs a{color:var(--accent)}
.notice{background:#fff8e6;border:1px solid #f0d98a;padding:13px 15px;border-radius:12px;color:#6e5512;margin:18px 0}
.country-row{display:flex;gap:10px;align-items:end;margin-bottom:16px}.country-row label{flex:1}
select{width:100%;margin-top:7px;padding:12px 13px;border:1px solid #ccd5e3;border-radius:10px;font:inherit;background:white}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:16px}.related-grid a{background:white;border:1px solid var(--line);padding:14px;border-radius:12px;font-weight:700;color:var(--accent)}
.footer-note{font-size:.83rem;color:#8f9bad;max-width:700px}
@media(max-width:700px){.stat-grid,.related-grid{grid-template-columns:1fr}.country-row{display:block}}

/* V1.2 */
.search-box{max-width:620px;margin:26px 0 6px;position:relative}.search-box input{padding:15px 16px;border-radius:14px;background:white}
.calc-card.hidden{display:none}.content-block h2{margin-top:30px}.content-block h3{margin-top:22px}
.example-box{background:#f8fbff;border-left:4px solid var(--accent);padding:16px 18px;border-radius:10px;margin:18px 0}
.formula{background:#101827;color:#eef4ff;padding:15px 16px;border-radius:12px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;overflow:auto}
.tool-note{font-size:.88rem;color:var(--muted);margin-top:10px}
.updated{font-size:.8rem;color:var(--muted);margin-top:10px}
.nav-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:18px}.nav-grid a{background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px;font-weight:700;color:var(--accent)}
.page-links{display:flex;gap:14px;flex-wrap:wrap;margin-top:18px}
@media(max-width:800px){.nav-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.nav-grid{grid-template-columns:1fr}}

.guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.guide-card,.article-body{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px}.guide-card p,.article-meta{color:var(--muted)}.guide-card a{color:var(--accent);font-weight:800}.article-body h2{margin-top:30px}.callout{background:#eef6ff;border:1px solid #cfe0fa;border-radius:14px;padding:16px;margin:20px 0}.formula{background:#101827;color:#eef4ff;padding:15px;border-radius:12px;font-family:monospace}.checklist li{margin-bottom:8px}@media(max-width:700px){.guide-grid{grid-template-columns:1fr}}