:root{--navy: #071A3E;--navy2: #0B2454;--gold: #C9973A;--gold-lite: #F0C96A;--white: #ffffff;--cream: #FAF9F6;--text: #2C3E50;--soft: #5A5A72;--green: #2E7D52;--red: #C0392B;--border: #E2E8F0;--r: 12px;--sh: 0 4px 20px rgba(11, 36, 84, .07)}.wrapper{max-width:800px;margin:0 auto;padding:40px 20px}.article-header{margin-bottom:32px}.article-title{font-size:2.25rem;font-weight:800;color:var(--navy);line-height:1.25;margin-bottom:16px;font-family:Lora,Georgia,serif}.featured-answer{background:#c9973a08;border-left:4px solid var(--gold);padding:20px;border-radius:0 var(--r) var(--r) 0;font-size:1.1rem;line-height:1.7;color:var(--navy);font-weight:500;margin-bottom:32px}.summary-box{background:#edf2f7;border:1px solid var(--border);border-radius:var(--r);padding:24px;margin-bottom:36px}.summary-box h3{margin-top:0;color:var(--navy);font-size:1.2rem;font-weight:800;margin-bottom:16px}.summary-box ul{margin:0;padding-left:20px}.summary-box li{margin-bottom:12px;font-size:.95rem;line-height:1.6;color:var(--text)}.post-content{font-size:1.05rem;line-height:1.8;color:var(--text)}.post-content h2{font-size:1.6rem;font-weight:800;color:var(--navy);margin-top:40px;margin-bottom:16px;font-family:Lora,Georgia,serif;border-bottom:2px solid var(--border);padding-bottom:8px}.post-content h3{font-size:1.3rem;font-weight:700;color:var(--navy);margin-top:28px;margin-bottom:12px}.post-content p{margin-bottom:20px}.post-content ul,.post-content ol{margin-bottom:24px;padding-left:24px}.post-content li{margin-bottom:8px}.nowrap{white-space:nowrap}.graphic-container{width:100%;background:#071a3e;padding:24px;border-radius:var(--r);text-align:center;box-sizing:border-box;margin-bottom:32px}.author-section{display:flex;align-items:center;gap:16px;padding:20px;border:1px solid var(--border);border-radius:var(--r);margin-top:40px;background:var(--white)}.author-avatar{width:64px;height:64px;border-radius:50%;object-fit:cover;border:2px solid var(--gold)}.author-info h4{margin:0 0 4px;color:var(--navy);font-weight:700}.author-info p{margin:0;font-size:.85rem;color:var(--soft)}.page-break-avoid{break-inside:avoid}.table-container{overflow-x:auto;margin:24px 0;border-radius:var(--r);border:1px solid var(--border);break-inside:avoid}table{width:100%;border-collapse:collapse;text-align:left}th{background:var(--navy);color:var(--white);padding:14px 18px;font-size:.9rem;font-weight:700}td{padding:14px 18px;font-size:.95rem;border-bottom:1px solid var(--border);color:var(--text)}tr:last-child td{border-bottom:none}.calc-box{background:var(--white);border:2px solid var(--navy);border-radius:var(--r);padding:28px;margin:32px 0;box-shadow:var(--sh)}.calc-title{font-size:1.35rem;font-weight:800;color:var(--navy);margin-top:0;margin-bottom:20px;text-align:center;border-bottom:1px dashed var(--border);padding-bottom:14px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}@media(max-width:680px){.calc-grid{grid-template-columns:1fr}}.form-group{display:flex;flex-direction:column;gap:6px}.form-group input,.form-group select{padding:10px 12px;border:1px solid #CBD5E1;border-radius:6px;font-size:.9rem;background:var(--white);color:var(--text)}.form-group label{font-size:.82rem;font-weight:700;color:var(--navy)}.calc-btn{grid-column:1 / -1;background:var(--navy);color:#fff;font-weight:700;padding:12px;border:none;border-radius:6px;cursor:pointer;font-size:.95rem;text-align:center;transition:background .2s}.calc-btn:hover{background:var(--navy2)}.results-panel{margin-top:24px;padding-top:20px;border-top:1px dashed var(--border);display:none}.result-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:20px}@media(max-width:600px){.result-cards{grid-template-columns:1fr}}.res-card{background:var(--cream);border:1px solid var(--border);padding:14px;border-radius:8px;text-align:center}.res-val{font-size:1.25rem;font-weight:800;color:var(--navy);margin-bottom:4px}.res-lbl{font-size:.72rem;color:var(--soft);font-weight:600;text-transform:uppercase;letter-spacing:.05em}.zone-badge{display:inline-block;padding:6px 14px;border-radius:20px;font-weight:800;font-size:.85rem;margin-bottom:16px}.zone-green{background:#2e7d521a;color:var(--green);border:1px solid var(--green)}.zone-yellow{background:#c9973a1a;color:#b58a2e;border:1px solid #B58A2E}.zone-orange{background:#d354001a;color:#d35400;border:1px solid #D35400}.zone-red{background:#c0392b1a;color:var(--red);border:1px solid var(--red)}.advice-box{background:#f8fafc;border-radius:8px;padding:16px;font-size:.88rem;line-height:1.6;color:var(--text)}.model-case-box{background:#f8fafc;border:1.5px solid var(--border);border-radius:var(--r);padding:24px;margin:32px 0;break-inside:avoid}.model-case-box h4{margin-top:0;color:var(--navy);font-size:1.2rem;font-weight:700;margin-bottom:16px}.faq-display-section{margin-top:40px;border-top:1px solid var(--border);padding-top:32px}.faq-display-item{margin-bottom:24px}.faq-display-item h4{font-size:1.15rem;font-weight:700;color:var(--navy);margin:0 0 8px}.faq-display-item p{margin:0;font-size:.95rem;line-height:1.6;color:var(--text)}html.dark .faq-display-item h4{color:var(--gold-lite)}html.sepia .faq-display-item h4{color:#8c6a3c}html.dark{--white: #0E1B35;--cream: #091124;--text: rgba(255, 255, 255, .85);--soft: rgba(255, 255, 255, .6);--border: rgba(255, 255, 255, .1);--navy: #fff;--navy2: #F0C96A}html.dark .featured-answer{background:#c9973a14;color:#fff}html.dark .summary-box{background:#1a263f;border-color:#ffffff14}html.dark .summary-box h3{color:var(--gold-lite)}html.dark .summary-box li{color:#ffffffd9}html.dark .author-section{background:#112240}html.dark .author-info h4{color:#fff}html.dark .calc-box{border-color:var(--gold);background:#112240}html.dark .calc-title{color:var(--gold-lite);border-bottom-color:#ffffff1a}html.dark .form-group label{color:#fff}html.dark .res-card{background:#1a263f;border-color:#ffffff14}html.dark .res-val{color:#fff}html.dark .advice-box{background:#1a263f;color:#ffffffd9}html.dark .disclaimer-box{background:#c9973a14!important}html.dark .model-case-box{background:#112240}html.dark .model-case-box h4{color:var(--gold-lite)}html.sepia{--white: #F4ECD8;--cream: #EFE6D0;--text: #433422;--soft: #6C5B4C;--border: rgba(0, 0, 0, .1);--navy: #433422;--navy2: #8C6A3C}html.sepia .featured-answer{background:#c9973a0d;color:#433422}html.sepia .summary-box{background:#e5dac1;border-color:#00000014}html.sepia .summary-box h3,html.sepia .summary-box li{color:#433422}html.sepia .author-section{background:#eadcb9}html.sepia .author-info h4{color:#433422}html.sepia .calc-box{border-color:#8c6a3c;background:#eadcb9}html.sepia .calc-title{color:#433422;border-bottom-color:#0000001a}html.sepia .form-group label{color:#433422}html.sepia .res-card{background:#e5dac1;border-color:#00000014}html.sepia .res-val{color:#433422}html.sepia .advice-box{background:#e5dac1;color:#433422}html.sepia .disclaimer-box{background:#8c6a3c14!important}html.sepia .model-case-box{background:#eadcb9}.cta-box{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;border-radius:var(--r);padding:30px;text-align:center;box-shadow:var(--sh);margin:32px 0;break-inside:avoid}.cta-box h3{font-size:1.4rem;font-weight:800;margin-top:0;margin-bottom:12px;color:#fff}.cta-box p{color:#cbd5e1;max-width:600px;margin:0 auto 20px;font-size:.95rem}.btn-gold{background:var(--gold);color:var(--navy)!important;padding:12px 24px;border-radius:6px;text-decoration:none;font-weight:700;display:inline-block;transition:background .2s}.btn-gold:hover{background:var(--gold-lite)}html.dark .cta-box{background:linear-gradient(135deg,#112240,#1a263f)}html.sepia .cta-box{background:#e5dac1;color:#433422}html.sepia .cta-box h3{color:#433422}html.sepia .cta-box p{color:#6c5b4c}html.sepia .btn-gold{background:#8c6a3c;color:#f4ecd8!important}