:root{
  --f-ink:#172033;--f-muted:#6d7a8e;--f-line:#e4e9f0;--f-bg:#f6f8fb;--f-white:#fff;
  --f-blue:#356ad6;--f-blue-soft:#eef4ff;--f-green:#2f8f62;--f-green-soft:#eff9f3;
  --f-amber:#a86a12;--f-shadow:0 16px 42px rgba(21,35,59,.07);--f-radius:20px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--f-bg);color:var(--f-ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.55}
a{text-decoration:none;color:inherit}
button,input,select{font:inherit}
.f-container{width:min(1160px,calc(100% - 32px));margin:auto}
.f-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(18px);border-bottom:1px solid rgba(228,233,240,.9)}
.f-nav{min-height:76px;display:flex;align-items:center;gap:24px}
.f-brand{font-size:18px;font-weight:900;letter-spacing:-.03em;margin-right:auto}
.f-brand span{color:var(--f-blue)}
.f-navlinks{display:flex;align-items:center;gap:6px;flex-wrap:wrap}
.f-navlinks a{padding:9px 10px;border-radius:10px;color:#607086;font-size:12px;font-weight:800}
.f-navlinks a:hover{background:var(--f-blue-soft);color:var(--f-blue)}
.f-back{background:var(--f-ink);color:#fff;padding:10px 14px;border-radius:999px;font-size:11px;font-weight:900}
.f-hero{padding:72px 0 58px;background:linear-gradient(135deg,#fcfdff 0%,#eff4ff 55%,#eff9f3 100%)}
.f-hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:44px;align-items:center}
.f-eyebrow{font-size:10px;font-weight:900;letter-spacing:.14em;color:#738197;margin-bottom:12px}
.f-h1{font-size:clamp(42px,6vw,68px);line-height:1;letter-spacing:-.06em;margin:0 0 18px}
.f-h1 span{color:var(--f-blue)}
.f-lead{font-size:18px;max-width:700px;color:#68768a;margin:0}
.f-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px}
.f-btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:12px;padding:12px 16px;cursor:pointer;font-size:13px;font-weight:900}
.f-btn-primary{background:var(--f-blue);color:#fff}
.f-btn-dark{background:var(--f-ink);color:#fff}
.f-btn-light{background:#fff;color:var(--f-ink);border:1px solid var(--f-line)}
.f-preview{background:#fff;border:1px solid var(--f-line);border-radius:24px;padding:24px;box-shadow:var(--f-shadow)}
.f-preview-kicker{font-size:10px;font-weight:900;letter-spacing:.14em;color:#8491a3}
.f-preview h2{font-size:46px;letter-spacing:-.05em;margin:12px 0 2px}
.f-preview p{font-size:12px;color:#7b8799;margin:0}
.f-stat-row{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:18px}
.f-stat{background:#f8fafc;border:1px solid var(--f-line);border-radius:14px;padding:13px}
.f-stat span{display:block;font-size:9px;color:#8793a5;font-weight:800}
.f-stat strong{display:block;font-size:17px;margin-top:3px}
.f-section{padding:68px 0}
.f-section-head{display:flex;justify-content:space-between;align-items:end;gap:24px;margin-bottom:24px}
.f-section-head h2{font-size:34px;letter-spacing:-.04em;line-height:1;margin:0}
.f-section-head p{max-width:460px;margin:0;color:#778497;font-size:13px}
.f-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.f-card{background:#fff;border:1px solid var(--f-line);border-radius:18px;padding:19px;display:flex;flex-direction:column;min-height:175px;box-shadow:0 5px 20px rgba(24,39,65,.03);transition:.15s ease}
.f-card:hover{transform:translateY(-2px);box-shadow:0 14px 32px rgba(24,39,65,.07)}
.f-tag{font-size:9px;font-weight:900;letter-spacing:.13em;color:#7b889a}
.f-card h3{font-size:17px;letter-spacing:-.02em;margin:9px 0 5px}
.f-card p{font-size:12px;color:#788599;margin:0 0 15px}
.f-card .go{margin-top:auto;color:var(--f-blue);font-size:12px;font-weight:900}
.f-topic-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.f-topic{background:#fff;border:1px solid var(--f-line);border-radius:16px;padding:15px}
.f-topic strong{display:block;font-size:13px}
.f-topic span{display:block;margin-top:3px;font-size:10px;color:#7d899c}
.f-ad{background:#fafbfd;border:1px dashed #cfd8e5;border-radius:14px;min-height:92px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;color:#8793a5}
.f-ad b{font-size:9px;letter-spacing:.14em}
.f-ad span{font-size:10px}
.f-trust{background:#fff;border-top:1px solid var(--f-line);border-bottom:1px solid var(--f-line)}
.f-trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.f-trust-card{padding:22px 0}
.f-trust-card strong{display:block;font-size:14px}
.f-trust-card span{display:block;margin-top:4px;font-size:11px;color:#788599}
.f-footer{background:#151c29;color:#fff;padding:36px 0 20px}
.f-footer-grid{display:grid;grid-template-columns:1.35fr .8fr .8fr .8fr;gap:28px}
.f-footer h4{font-size:10px;letter-spacing:.1em;text-transform:uppercase;margin:0 0 10px}
.f-footer p,.f-footer a{font-size:11px;color:#99a5b5}
.f-footer a{display:block;margin:7px 0}
.f-footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:26px;padding-top:13px;font-size:10px;color:#778398;display:flex;justify-content:space-between}
.f-tool-hero{padding:50px 0 34px}
.f-breadcrumb{font-size:11px;color:#7c889a;margin-bottom:18px}
.f-breadcrumb a{color:#4e73c4;font-weight:900}
.f-tool-layout{display:grid;grid-template-columns:minmax(0,780px) 300px;gap:24px;align-items:start}
.f-main-card{background:#fff;border:1px solid var(--f-line);border-radius:24px;padding:28px;box-shadow:var(--f-shadow)}
.f-main-card h1{font-size:44px;line-height:1.02;letter-spacing:-.055em;margin:0 0 10px}
.f-main-card .lead{font-size:15px;line-height:1.6;max-width:740px}
.f-meta{display:flex;gap:10px;flex-wrap:wrap;color:#8290a4;font-size:10px;margin-top:13px}
.f-calc-panel{margin-top:25px;padding:20px;border-radius:18px;background:#f8fafc;border:1px solid var(--f-line)}
.f-panel-title{font-size:16px;font-weight:900;margin:0 0 14px}
.f-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.f-field label{display:block;font-size:11px;font-weight:900;color:#69778a;margin-bottom:6px}
.f-input{display:flex;align-items:center;background:#fff;border:1px solid #dce4ee;border-radius:11px;overflow:hidden}
.f-input:focus-within{border-color:#9db8ea;box-shadow:0 0 0 3px rgba(53,106,214,.1)}
.f-input span{padding:0 10px;color:#8793a5;font-size:12px}
.f-input input,.f-input select{width:100%;border:0;outline:0;background:transparent;padding:12px;font-size:13px;color:var(--f-ink)}
.f-field-help{font-size:10px;color:#8592a4;margin-top:5px}
.f-full{grid-column:1/-1}
.f-calc-action{margin-top:14px}
.f-results{margin-top:18px;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.f-result{background:#fff;border:1px solid var(--f-line);border-radius:15px;padding:15px}
.f-result.primary{background:var(--f-blue-soft);border-color:#d9e6ff}
.f-result-label{font-size:9px;font-weight:900;color:#7c899b;letter-spacing:.08em}
.f-result-value{font-size:26px;font-weight:900;letter-spacing:-.04em;margin-top:3px}
.f-result-detail{font-size:10px;color:#7c899b;margin-top:3px}
.f-schedule{margin-top:16px;background:#fff;border:1px solid var(--f-line);border-radius:15px;overflow:auto}
.f-schedule table{width:100%;border-collapse:collapse;font-size:10px}
.f-schedule th,.f-schedule td{padding:9px 10px;text-align:right;border-bottom:1px solid #edf1f5}
.f-schedule th:first-child,.f-schedule td:first-child{text-align:left}
.f-schedule th{font-size:9px;letter-spacing:.06em;text-transform:uppercase;color:#7c899b;background:#fafbfd}
.f-note{margin-top:14px;padding:12px 14px;border-radius:13px;background:var(--f-green-soft);border:1px solid #d9eee1;color:#617a6a;font-size:10px}
.f-content{margin-top:28px;border-top:1px solid var(--f-line);padding-top:22px}
.f-content h2{font-size:24px;letter-spacing:-.03em;margin:26px 0 8px}
.f-content h3{font-size:17px;margin:21px 0 6px}
.f-content p,.f-content li{font-size:13px;color:#6f7d91;line-height:1.75}
.f-content ul{padding-left:20px}
.f-source{margin-top:20px;padding:16px;border:1px solid var(--f-line);border-radius:14px;background:#fbfcfe}
.f-source strong{display:block;font-size:12px}
.f-source a{color:#4e73c4;font-size:11px}
.f-sidebar{display:grid;gap:14px}
.f-side-card{background:#fff;border:1px solid var(--f-line);border-radius:15px;padding:16px}
.f-side-card strong{display:block;font-size:13px}
.f-side-card span,.f-side-card p{display:block;margin-top:4px;font-size:10px;color:#788599}
.f-legal-note{font-size:10px;color:#7f8c9d;margin-top:16px}
@media(max-width:980px){
  .f-hero-grid,.f-tool-layout{grid-template-columns:1fr}
  .f-topic-grid{grid-template-columns:repeat(3,1fr)}
  .f-grid{grid-template-columns:repeat(2,1fr)}
  .f-footer-grid{grid-template-columns:1fr 1fr}
  .f-sidebar{display:none}
}
@media(max-width:680px){
  .f-container{width:min(100% - 24px,1160px)}
  .f-nav{min-height:68px}.f-navlinks{display:none}.f-back{padding:9px 11px}
  .f-hero{padding:52px 0 42px}.f-h1{font-size:44px}.f-lead{font-size:16px}
  .f-section{padding:54px 0}.f-section-head{display:block}.f-section-head p{margin-top:9px}
  .f-grid,.f-topic-grid,.f-fields,.f-results,.f-trust-grid{grid-template-columns:1fr}
  .f-main-card{padding:21px}.f-main-card h1{font-size:37px}
  .f-footer-grid{grid-template-columns:1fr 1fr}.f-footer-bottom{display:block}.f-footer-bottom span{display:block;margin:4px 0}
}

/* Mobile overflow fix: let tool columns shrink and scroll wide schedule tables */
.f-tool-layout>*{min-width:0}
.f-schedule{overflow-x:auto;-webkit-overflow-scrolling:touch}
@media(max-width:980px){.f-hero-grid,.f-tool-layout{grid-template-columns:minmax(0,1fr)}}