*,::after,::before{box-sizing:border-box;margin:0;padding:0}:root{--color-primary:#0052cc;--color-primary-dark:#003d99;--color-primary-light:#e6f0ff;--color-dark:#0f172a;--color-text:#1e293b;--color-text-light:#64748b;--color-border:#e2e8f0;--color-bg:#ffffff;--color-bg-alt:#f8fafc;--color-success:#16a34a;--color-danger:#dc2626;--color-warning:#f59e0b;--color-info:#0284c7;--font-body:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--font-heading:var(--font-body);--radius:8px;--radius-lg:12px;--shadow-sm:0 1px 2px rgba(0,0,0,0.05);--shadow:0 1px 3px rgba(0,0,0,0.1),0 1px 2px rgba(0,0,0,0.06);--shadow-md:0 4px 6px -1px rgba(0,0,0,0.1),0 2px 4px -2px rgba(0,0,0,0.1);--shadow-lg:0 10px 15px -3px rgba(0,0,0,0.1),0 4px 6px -4px rgba(0,0,0,0.1);--container:1200px;--gutter:1rem}html{font-size:100%;scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:var(--font-body);font-size:1rem;line-height:1.7;color:var(--color-text);background:var(--color-bg);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}img{max-width:100%;height:auto;display:block}a{color:var(--color-primary);text-decoration:none;transition:color .15s}a:hover{color:var(--color-primary-dark)}.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 var(--gutter)}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);color:var(--color-dark);line-height:1.3;font-weight:700}h1{font-size:2rem;margin-bottom:1rem}h2{font-size:1.5rem;margin-top:2rem;margin-bottom:.75rem}h3{font-size:1.25rem;margin-top:1.5rem;margin-bottom:.5rem}.btn{display:inline-flex;align-items:center;justify-content:center;padding:.75rem 1.5rem;font-size:1rem;font-weight:600;border-radius:var(--radius);border:2px solid transparent;cursor:pointer;transition:all .15s;text-decoration:none;line-height:1;gap:.5rem;min-height:48px}.btn-primary{background:var(--color-primary);color:#fff;border-color:var(--color-primary)}.btn-primary:hover{background:var(--color-primary-dark);border-color:var(--color-primary-dark);color:#fff}.btn-outline{background:0 0;color:var(--color-primary);border-color:var(--color-primary)}.btn-outline:hover{background:var(--color-primary);color:#fff}.btn-lg{padding:1rem 2rem;font-size:1.125rem}.btn-sm{padding:.5rem 1rem;font-size:.875rem;min-height:36px}.site-header{background:var(--color-bg);border-bottom:1px solid var(--color-border);position:sticky;top:0;z-index:100}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:64px;padding:.75rem 0}.site-branding .site-title{display:block;font-size:1.1rem;font-weight:800;color:var(--color-dark);text-decoration:none;letter-spacing:-.02em;min-width:0;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;line-height:1.05;flex:1 1 auto}.site-branding .site-title:hover{color:var(--color-primary)}.site-branding{display:flex;flex-direction:row;align-items:center;gap:.5rem;flex:1 1 auto;flex-shrink:0;min-width:0;max-width:calc(100vw - 72px);overflow:hidden}.site-branding .custom-logo-link{display:inline-flex;align-items:center;line-height:0;flex:0 0 auto}.site-branding .custom-logo,.site-branding img.custom-logo{display:block;max-height:40px;width:auto;max-width:100%;height:auto;object-fit:contain}.menu-toggle{display:flex;align-items:center;justify-content:center;width:44px;height:44px;background:0 0;border:none;cursor:pointer;padding:0}.hamburger,.hamburger::after,.hamburger::before{display:block;width:22px;height:2px;background:var(--color-dark);border-radius:2px;transition:all .2s}.hamburger{position:relative}.hamburger::after,.hamburger::before{content:'';position:absolute;left:0}.hamburger::before{top:-7px}.hamburger::after{top:7px}.menu-toggle[aria-expanded=true] .hamburger{background:0 0}.menu-toggle[aria-expanded=true] .hamburger::before{top:0;transform:rotate(45deg)}.menu-toggle[aria-expanded=true] .hamburger::after{top:0;transform:rotate(-45deg)}.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--color-bg);border-bottom:1px solid var(--color-border);box-shadow:var(--shadow-md);padding:1rem}.main-nav.is-open{display:block}.nav-list{list-style:none}.nav-list li{margin:0}.nav-list a{display:block;padding:.75rem 0;color:var(--color-text);font-weight:500;font-size:1rem;border-bottom:1px solid var(--color-border)}.nav-list a:hover{color:var(--color-primary)}.nav-list .sub-menu{padding-left:1rem}.nav-list .sub-menu a{font-size:.9375rem;color:var(--color-text-light)}.hero{background:linear-gradient(135deg,var(--color-dark) 0,#1e3a5f 100%);color:#fff;padding:3rem 0;text-align:center}.hero-title{color:#fff;font-size:2rem;margin-bottom:1rem;max-width:700px;margin-left:auto;margin-right:auto}.hero-subtitle{font-size:1.125rem;color:rgba(255,255,255,.85);margin-bottom:2rem;max-width:600px;margin-left:auto;margin-right:auto}.hero-actions{display:flex;flex-direction:column;gap:.75rem;align-items:center}.section{padding:3rem 0}.section:nth-child(2n){background:var(--color-bg-alt)}.section-title{font-size:1.5rem;text-align:center;margin-bottom:2rem}.section-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:2rem}.section-header .section-title{text-align:left;margin-bottom:0}.section-link{font-weight:600;font-size:.9375rem;white-space:nowrap}.category-grid{display:grid;grid-template-columns:1fr;gap:1rem}.category-card{display:block;background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:1.5rem;text-align:center;text-decoration:none;transition:all .15s}.category-card:hover{border-color:var(--color-primary);box-shadow:var(--shadow-md);transform:translateY(-2px);color:inherit}.category-icon{width:48px;height:48px;margin:0 auto 1rem;color:var(--color-primary)}.category-icon svg{width:100%;height:100%}.category-card h3{font-size:1.125rem;color:var(--color-dark);margin-bottom:.5rem}.category-card p{font-size:.875rem;color:var(--color-text-light);margin:0}.posts-grid{display:grid;grid-template-columns:1fr;gap:1.5rem}.post-card{background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--radius-lg);overflow:hidden;transition:all .15s}.post-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}.post-card-link{display:block;text-decoration:none;color:inherit}.post-card-image{aspect-ratio:16/9;overflow:hidden;background:var(--color-bg-alt)}.post-card-image img{width:100%;height:100%;object-fit:cover}.post-card-image--placeholder{display:flex;align-items:center;justify-content:center}.placeholder-icon{width:48px;height:48px;color:var(--color-text-light);opacity:.4}.placeholder-icon svg{width:100%;height:100%}.post-card-body{padding:1.25rem}.post-card-category{display:inline-block;font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--color-primary);margin-bottom:.5rem}.post-card-title{font-size:1.0625rem;color:var(--color-dark);margin-bottom:.5rem;line-height:1.4}.post-card-excerpt{font-size:.875rem;color:var(--color-text-light);margin-bottom:.75rem;line-height:1.6}.post-card-meta{display:flex;gap:1rem;font-size:.8125rem;color:var(--color-text-light)}.calculator-grid{display:grid;grid-template-columns:1fr;gap:1rem}.calculator-card{background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--radius-lg);transition:all .15s}.calculator-card:hover{border-color:var(--color-primary);box-shadow:var(--shadow-md)}.calculator-card-link{display:block;padding:1.5rem;text-decoration:none;color:inherit;text-align:center}.calculator-card-icon{width:40px;height:40px;margin:0 auto .75rem;color:var(--color-primary)}.calculator-card-icon svg{width:100%;height:100%}.calculator-card-title{font-size:1rem;font-weight:600;color:var(--color-dark);margin-bottom:.5rem}.calculator-card-desc{font-size:.875rem;color:var(--color-text-light);margin-bottom:1rem}.calculator-card-cta{font-size:.875rem;font-weight:600;color:var(--color-primary)}.cta-block{background:var(--color-bg-alt);border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:2rem;text-align:center;margin:2rem 0}.cta-block h2,.cta-block h3{margin-bottom:.75rem;margin-top:0}.cta-block p{color:var(--color-text-light);margin-bottom:1.5rem}.cta-block--large{background:linear-gradient(135deg,var(--color-dark) 0,#1e3a5f 100%);color:#fff;border:none;padding:3rem 2rem}.cta-block--large h2{color:#fff}.cta-block--large p{color:rgba(255,255,255,.8)}.cta-actions{display:flex;flex-direction:column;gap:.75rem;align-items:center}.cta-section{padding-bottom:4rem}.article-layout{display:block}.article-header{margin-bottom:2rem}.article-meta{display:flex;flex-wrap:wrap;gap:.75rem;align-items:center;margin-bottom:.75rem}.article-category{font-size:.8125rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--color-primary);background:var(--color-primary-light);padding:.25rem .625rem;border-radius:4px}.article-date{font-size:.8125rem;color:var(--color-text-light)}.article-title{font-size:1.75rem;line-height:1.25}.article-summary{background:var(--color-primary-light);border-left:4px solid var(--color-primary);padding:1rem 1.25rem;border-radius:0 var(--radius) var(--radius) 0;margin-top:1rem}.article-summary p{margin:0;font-size:1rem;color:var(--color-text)}.article-image{margin:1.5rem 0;border-radius:var(--radius-lg);overflow:hidden}.article-image img{width:100%}.prose{font-size:1.0625rem;line-height:1.8}.prose p{margin-bottom:1.25rem}.prose ol,.prose ul{margin-bottom:1.25rem;padding-left:1.5rem}.prose li{margin-bottom:.375rem}.prose blockquote{border-left:4px solid var(--color-primary);padding:1rem 1.5rem;margin:1.5rem 0;background:var(--color-bg-alt);border-radius:0 var(--radius) var(--radius) 0}.prose table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.9375rem}.prose td,.prose th{padding:.75rem 1rem;border:1px solid var(--color-border);text-align:left}.prose th{background:var(--color-bg-alt);font-weight:600}.prose img{border-radius:var(--radius);margin:1.5rem 0}.prose a:not(.btn){color:var(--color-primary);text-decoration:underline;text-underline-offset:2px}.prose a:not(.btn):hover{color:var(--color-primary-dark)}.prose .btn{text-decoration:none}.prose .btn.btn-primary{color:#fff}.toc{background:var(--color-bg-alt);border:1px solid var(--color-border);border-radius:var(--radius-lg);margin:1.5rem 0;overflow:hidden}.toc-toggle{display:flex;justify-content:space-between;align-items:center;width:100%;padding:1rem 1.25rem;background:0 0;border:none;cursor:pointer;font-size:1rem;font-weight:600;color:var(--color-dark)}.toc-icon::after{content:'▼';font-size:.75rem;color:var(--color-text-light);transition:transform .2s}.toc-toggle[aria-expanded=false] .toc-icon::after{transform:rotate(-90deg)}#toc-nav{padding:0 1.25rem 1rem}#toc-nav.is-hidden{display:none}#toc-nav ol{list-style:none;counter-reset:toc;padding:0;margin:0}#toc-nav li{counter-increment:toc}#toc-nav li a{display:block;padding:.375rem 0;color:var(--color-text);font-size:.9375rem;border-bottom:1px solid var(--color-border);text-decoration:none}#toc-nav li a:hover{color:var(--color-primary)}#toc-nav li a::before{content:counter(toc) ". ";color:var(--color-text-light);font-weight:600}#toc-nav ol ol{padding-left:1.25rem}#toc-nav ol ol li a{font-size:.875rem}#toc-nav ol ol li a::before{content:""}.tip-box{border-radius:var(--radius);padding:1.25rem;margin:1.5rem 0;border-left:4px solid}.tip-box--info{background:#eff6ff;border-color:var(--color-info)}.tip-box--warning{background:#fffbeb;border-color:var(--color-warning)}.tip-box--success{background:#f0fdf4;border-color:var(--color-success)}.tip-box--danger{background:#fef2f2;border-color:var(--color-danger)}.tip-box-title{display:flex;align-items:center;gap:.5rem;font-size:1rem;font-weight:600;margin-bottom:.5rem;margin-top:0}.tip-box-content p:last-child{margin-bottom:0}.related-posts{margin-top:3rem;padding-top:2rem;border-top:1px solid var(--color-border)}.related-title{font-size:1.25rem;margin-bottom:1.5rem;margin-top:0}.posts-grid--small{gap:1rem}.article-sidebar{margin-top:2rem}.widget{margin-bottom:1.5rem}.widget-title{font-size:1rem;margin-bottom:1rem;margin-top:0;padding-bottom:.5rem;border-bottom:2px solid var(--color-primary)}.sidebar-link-list{list-style:none;padding:0}.sidebar-link-list li{margin-bottom:0}.sidebar-link-list a{display:flex;justify-content:space-between;align-items:center;padding:.625rem 0;border-bottom:1px solid var(--color-border);font-size:.9375rem;color:var(--color-text)}.sidebar-link-list a:hover{color:var(--color-primary)}.badge{font-size:.6875rem;font-weight:600;background:var(--color-primary-light);color:var(--color-primary);padding:.125rem .5rem;border-radius:4px;text-transform:uppercase;letter-spacing:.05em}.calculator-header{text-align:center;padding:2rem 0}.calculator-title{font-size:1.75rem}.calculator-desc{color:var(--color-text-light);margin-top:.5rem}.calculator-tool{background:var(--color-bg);border:2px solid var(--color-border);border-radius:var(--radius-lg);padding:1.5rem;margin-bottom:2rem}.calculator-content{margin-top:2rem}.breadcrumb{padding:1rem 0}.breadcrumb-list{display:flex;flex-wrap:wrap;list-style:none;gap:.25rem;font-size:.8125rem}.breadcrumb-item+.breadcrumb-item::before{content:'/';color:var(--color-text-light);margin-right:.25rem}.breadcrumb-item a{color:var(--color-text-light)}.breadcrumb-item a:hover{color:var(--color-primary)}.breadcrumb-item [aria-current=page]{color:var(--color-text);font-weight:500}.archive-header{padding:2rem 0;text-align:center}.archive-title{font-size:1.75rem}.archive-description{color:var(--color-text-light);margin-top:.5rem;max-width:600px;margin-left:auto;margin-right:auto}.pagination{padding:2rem 0;text-align:center}.pagination .nav-links{display:flex;justify-content:center;gap:.375rem;flex-wrap:wrap}.pagination .page-numbers{display:inline-flex;align-items:center;justify-content:center;min-width:40px;height:40px;padding:0 .75rem;border:1px solid var(--color-border);border-radius:var(--radius);font-size:.875rem;color:var(--color-text);text-decoration:none}.pagination .page-numbers.current{background:var(--color-primary);color:#fff;border-color:var(--color-primary)}.pagination .page-numbers:hover:not(.current){border-color:var(--color-primary);color:var(--color-primary)}.site-footer{background:var(--color-dark);color:#e2e8f0;padding:3rem 0 1.5rem;margin-top:3rem}.footer-grid{display:grid;grid-template-columns:1fr;gap:2rem;margin-bottom:2rem}.footer-title{color:#fff;font-size:1rem;margin-bottom:1rem;margin-top:0}.footer-desc{font-size:.875rem;line-height:1.6;color:#e2e8f0}.footer-menu{list-style:none;padding:0}.footer-menu li{margin-bottom:.5rem}.footer-menu a{color:#f1f5f9;font-size:.875rem;text-decoration:underline;text-decoration-color:rgba(241,245,249,0.55);text-underline-offset:2px}.footer-menu a:hover{color:#fff;text-decoration-color:#ffffff}.footer-bottom{border-top:1px solid rgba(255,255,255,.18);padding-top:1.5rem;text-align:center;font-size:.8125rem;color:#e2e8f0}.footer-disclaimer{margin-top:.5rem;font-size:.75rem;line-height:1.5;color:#e2e8f0;max-width:52rem;margin-left:auto;margin-right:auto}.error-page{text-align:center;padding:4rem 0}.error-page h1{font-size:5rem;color:var(--color-primary);margin-bottom:.5rem}.error-page h2{font-size:1.5rem;margin-bottom:1rem}.error-page p{color:var(--color-text-light);margin-bottom:2rem}.error-actions{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}.no-results{text-align:center;padding:3rem 0}.no-results h2{margin-bottom:.5rem}.no-results p{color:var(--color-text-light)}.ad-banner{margin:1.5rem 0;text-align:center}.affiliate-link{color:var(--color-primary);font-weight:600;border-bottom:2px solid var(--color-primary-light);transition:border-color .15s}.affiliate-link:hover{border-color:var(--color-primary)}.calculator-embed{background:var(--color-bg-alt);border:1px solid var(--color-border);border-radius:var(--radius);padding:1.25rem;margin:1.5rem 0;text-align:center}.calculator-embed h3{margin-top:0;margin-bottom:.5rem}.calculator-embed p{color:var(--color-text-light);margin-bottom:1rem}.cta-block--inline{background:var(--color-primary-light);border:1px solid rgba(0,82,204,.15)}.page-single{padding:2rem 0;max-width:800px;margin:0 auto}.page-title{font-size:2rem;margin-bottom:1.5rem}.search-form{display:flex;gap:.5rem;max-width:400px;margin:1rem auto}.search-form .search-field{flex:1;padding:.75rem 1rem;border:1px solid var(--color-border);border-radius:var(--radius);font-size:1rem}.search-form .search-submit{padding:.75rem 1.25rem;background:var(--color-primary);color:#fff;border:none;border-radius:var(--radius);cursor:pointer;font-weight:600}@media (min-width:768px){:root{--gutter:1.5rem}h1{font-size:2.5rem}h2{font-size:1.75rem}.hero{padding:4rem 0}.hero-title{font-size:2.75rem}.hero-actions{flex-direction:row}.category-grid{grid-template-columns:repeat(2,1fr)}.posts-grid{grid-template-columns:repeat(2,1fr)}.calculator-grid{grid-template-columns:repeat(2,1fr)}.cta-actions{flex-direction:row}.cta-block--large{padding:4rem 3rem}.footer-grid{grid-template-columns:repeat(2,1fr)}.article-title{font-size:2.25rem}}@media (min-width:1024px){:root{--gutter:2rem}.header-inner{min-height:64px;padding:0}.site-branding{gap:.75rem;max-width:min(520px,55vw)}.site-branding .site-title{font-size:1.375rem}.menu-toggle{display:none}.main-nav{display:flex!important;position:static;background:0 0;border:none;box-shadow:none;padding:0}.nav-list{display:flex;gap:.25rem}.nav-list a{padding:.5rem .875rem;border-bottom:none;font-size:.9375rem;border-radius:var(--radius)}.nav-list a:hover{background:var(--color-bg-alt)}.nav-list .sub-menu{position:absolute;background:var(--color-bg);border:1px solid var(--color-border);border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:.5rem;display:none;min-width:200px}.nav-list li:hover>.sub-menu{display:block}.nav-list .sub-menu a{padding:.5rem .75rem}.hero{padding:5rem 0}.hero-title{font-size:3rem}.category-grid{grid-template-columns:repeat(4,1fr)}.posts-grid{grid-template-columns:repeat(3,1fr)}.calculator-grid{grid-template-columns:repeat(3,1fr)}.article-layout{display:grid;grid-template-columns:1fr 300px;gap:2.5rem}.article-sidebar{margin-top:0;position:sticky;top:80px;align-self:start}.footer-grid{grid-template-columns:2fr 1fr 1fr 1fr}}@media (min-width:1280px){.hero-title{font-size:3.5rem}.article-title{font-size:2.5rem}}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}@media print{.ad-banner,.article-sidebar,.cta-block,.related-posts,.site-footer,.site-header,.toc{display:none}.article-layout{display:block}.container{max-width:100%}}