:root{--navy:#1e40af;--navy-d:#1e3a8a;--amber:#f59e0b;--amber-l:#fef3c7;--paper:#f8fafc;--ink:#0f172a;--mut:#475569;--rule:#dbeafe;
 --f:Lexend,"Segoe UI",system-ui,-apple-system,"Helvetica Neue",Arial,sans-serif;--m:"JetBrains Mono",ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;--bar:66px}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;color:var(--ink);font:400 17px/1.7 var(--f);background:var(--paper) linear-gradient(var(--rule) 1px,transparent 1px) 0 0/100% 34px;overflow-wrap:break-word}
img,svg{max-width:100%;height:auto}
a{color:var(--navy);text-underline-offset:3px}a:hover{color:var(--ink)}
p{font-size:17px;margin:0 0 1em}
:focus-visible{outline:3px solid var(--navy);outline-offset:2px;border-radius:4px}
.mi{width:24px;height:24px;display:block;flex:none}
.ml-skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;z-index:99}.ml-skip:focus{left:8px}

.ml-head{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:12px max(16px,calc((100% - 1180px)/2));background:rgba(248,250,252,.96);border-bottom:3px solid var(--navy);position:sticky;top:0;z-index:40}
.ml-brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font:600 24px/1 var(--f)}
.ml-brand b{color:var(--amber);font-weight:700}
.ml-nav,.ml-ml{display:flex;gap:6px;list-style:none;margin:0;padding:0}
.ml-nav a{display:block;padding:8px 14px;border-radius:99px;text-decoration:none;color:var(--ink);font-weight:500;font-size:16px}
.ml-nav a:hover{background:var(--amber-l);color:var(--navy)}

.ml-hero{position:relative;overflow:hidden;padding:36px 16px 20px;background:var(--paper)}
.ml-hero::before{content:"";position:absolute;right:max(-120px,calc((100% - 1180px)/2 - 100px));top:-140px;width:520px;height:520px;background:radial-gradient(circle,rgba(245,158,11,.38),rgba(245,158,11,0) 66%);pointer-events:none}
.ml-hero-in{max-width:1180px;margin:0 auto;position:relative}
.ml-pre{display:inline-block;margin:0 0 10px;padding:4px 14px;border-radius:99px;background:var(--navy);color:#fff;font:500 14px var(--f)!important}
.ml-hero h1{margin:0 0 12px;font:700 clamp(36px,6vw,62px)/1.05 var(--f);color:var(--navy);letter-spacing:-.02em}
.ml-def{max-width:760px;font-size:18px!important}

.ml-desk{max-width:1180px;margin:0 auto;padding:12px 16px 36px;display:grid;grid-template-columns:230px minmax(0,1fr);gap:0;align-items:start}
.ml-pick{display:grid;gap:6px;position:sticky;top:84px}
.ml-pick button{display:flex;align-items:center;gap:10px;min-height:54px;padding:8px 12px;text-align:left;border:2px solid var(--navy);border-right:0;border-radius:14px 0 0 14px;background:#fff;color:var(--ink);font:500 16px/1.2 var(--f);cursor:pointer}
.ml-pick i{font:700 14px var(--m);font-style:normal;width:26px;height:26px;border-radius:50%;background:var(--rule);color:var(--navy);display:grid;place-items:center;flex:none}
.ml-pick button[aria-pressed=true]{background:var(--amber);border-color:var(--navy);font-weight:700;box-shadow:-5px 0 0 var(--navy-d)}
.ml-pick button[aria-pressed=true] i{background:var(--navy);color:#fff}
.ml-sheet-w{background:#fff;border:3px solid var(--navy);border-radius:0 18px 18px 18px;padding:20px;box-shadow:0 18px 40px -18px rgba(30,64,175,.45);min-width:0;position:relative}
.ml-ask{margin:0 0 12px;font-weight:500}
.ml-fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px}
.ml-fld{display:block;min-width:0}
.ml-fld span{display:block;font-size:15px;font-weight:500;color:var(--mut);margin-bottom:4px}
.ml-fld input,.ml-fb select,.ml-fb textarea{width:100%;min-height:52px;padding:10px 12px;border:2px solid #94a3b8;border-radius:12px;background:#fff;font:500 20px var(--m);color:var(--ink)}
.ml-fld input:focus,.ml-fb select:focus,.ml-fb textarea:focus{outline:0;border-color:var(--navy);box-shadow:0 0 0 4px var(--rule)}
.ml-fld.wide{grid-column:1/-1}
.ml-acts{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.ml-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:10px 22px;border:2px solid var(--navy);border-radius:14px;background:var(--navy);color:#fff;font:600 17px var(--f);cursor:pointer;text-decoration:none}
.ml-btn:hover{background:var(--navy-d);color:#fff}
.ml-ghost{background:#fff;color:var(--navy)}.ml-ghost:hover{background:var(--rule);color:var(--navy)}
.ml-btn .mi{width:20px;height:20px}
.ml-acts .ml-btn:first-child{flex:1 1 100%}.ml-acts .ml-ghost{flex:1 1 120px}
.ml-lamp-out{margin:20px 0 6px;padding:16px 18px;border-radius:18px;background:var(--amber-l);border:2px solid var(--amber);box-shadow:0 0 0 6px rgba(245,158,11,.18),0 0 38px rgba(245,158,11,.5);display:flex;flex-direction:column;gap:2px}
.ml-lo-l{font:500 15px var(--f);color:#92400e}
.ml-lo-v{font:700 clamp(28px,5vw,44px)/1.2 var(--m);color:var(--navy-d);overflow-wrap:anywhere}
.ml-steps-h{display:flex;justify-content:space-between;align-items:baseline;margin:20px 0 6px}
.ml-steps-h h2{margin:0;font:600 22px var(--f);color:var(--navy)}
.ml-steps-h span{font:500 15px var(--m);color:var(--mut)}
.ml-steps{list-style:none;margin:0;padding:0;counter-reset:s;position:relative}
.ml-steps li{counter-increment:s;position:relative;padding:4px 0 14px 50px;min-width:0}
.ml-steps li::before{content:counter(s);position:absolute;left:0;top:2px;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:600 15px var(--m)}
.ml-steps li::after{content:"";position:absolute;left:16px;top:38px;bottom:2px;width:2px;background:var(--rule)}
.ml-steps li:last-child::after{display:none}
.ml-steps li.hid{display:none}
.ml-steps li.new{animation:mlIn .45s ease-out}
.ml-steps b{display:block;font-weight:600;margin-bottom:2px}
.ml-steps code{display:block;font:500 17px/1.6 var(--m);background:var(--paper);border:1px solid var(--rule);border-radius:10px;padding:8px 12px;margin-top:4px;overflow-wrap:anywhere;white-space:normal}
.ml-steps li:last-child code{background:var(--amber-l);border-color:var(--amber)}
@keyframes mlIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.ml-reveal{display:flex;flex-wrap:wrap;gap:10px;margin-top:6px}.ml-reveal .ml-btn{flex:1 1 180px}
.ml-reveal[hidden]{display:none}

.ml-wrap{max-width:1180px;margin:0 auto;padding:30px 16px}
.ml-h1{margin:0 0 10px;font:700 clamp(30px,4.6vw,46px)/1.1 var(--f);color:var(--navy);letter-spacing:-.015em}
.ml-h2{margin:0 0 6px;font:700 clamp(26px,3.8vw,36px)/1.15 var(--f);color:var(--navy)}
.ml-sub{max-width:700px;color:var(--mut);background:rgba(248,250,252,.92)}
.ml-topics-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px;margin-top:16px}
.ml-topic{background:#fff;border:2px solid var(--navy);border-radius:6px 20px 6px 20px;padding:14px 16px}
.ml-topic h3{margin:0 0 6px;font:600 19px var(--f);color:var(--navy);padding-bottom:6px;border-bottom:3px solid var(--amber);display:inline-block}
.ml-topic ul{list-style:none;margin:6px 0 0;padding:0}
.ml-topic li{border-bottom:1px dotted #94a3b8}.ml-topic li:last-child{border:0}
.ml-topic a,.ml-topic span{display:flex;justify-content:space-between;gap:8px;padding:9px 0;text-decoration:none;min-height:44px;align-items:center}
.ml-topic a{font-weight:500}.ml-topic a:hover{color:var(--ink);background:var(--amber-l)}
.ml-topic span{color:#64748b}.ml-topic em{font:500 13px var(--m);font-style:normal;background:var(--rule);color:var(--navy);border-radius:99px;padding:0 8px}
.ml-learn .ml-prose{margin:0 auto}
.ml-prose{min-width:0;max-width:780px;background:rgba(248,250,252,.92)}
.ml-prose h2{font:700 clamp(26px,3.6vw,34px)/1.2 var(--f);color:var(--navy);margin:1.7em 0 .5em}
.ml-prose>h2:first-child{margin-top:0}
.ml-prose h3{font:600 22px/1.3 var(--f);color:var(--navy);margin:1.6em 0 .4em;padding-left:12px;border-left:6px solid var(--amber)}
.ml-prose li{margin-bottom:.45em}
.ml-prose code{font:500 16px var(--m);background:#fff;border:1px solid var(--rule);border-radius:6px;padding:1px 6px;overflow-wrap:anywhere;white-space:normal}
.ml-ex{background:var(--amber-l);border-left:6px solid var(--amber);border-radius:0 14px 14px 0;padding:12px 16px;margin:1em 0}
.ml-ex b{display:block;color:#92400e}.ml-ex span{font:500 16px/1.7 var(--m)}
.ml-tbl{overflow-x:auto;-webkit-overflow-scrolling:touch;max-width:100%;margin:1em 0;border:2px solid var(--navy);border-radius:14px;background:#fff}
.ml-prose table{width:100%;border-collapse:collapse;font-size:16px;margin:0}
.ml-prose th,.ml-prose td{padding:10px 12px;text-align:left;border-bottom:1px solid var(--rule);vertical-align:top}
.ml-prose th{background:var(--navy);color:#fff;font-weight:500}.ml-prose tr:last-child td{border-bottom:0}
.ml-prose td{font-family:var(--m);font-size:15px}
.ml-faq details{background:#fff;border:2px solid var(--navy);border-radius:14px;margin:0 0 10px}
.ml-faq summary{cursor:pointer;padding:14px 16px;font:600 17px/1.35 var(--f);min-height:50px;list-style:none;display:flex;justify-content:space-between;gap:10px}
.ml-faq summary::-webkit-details-marker{display:none}
.ml-faq summary::after{content:"+";font:700 24px/1 var(--m);color:var(--amber)}
.ml-faq details[open] summary::after{content:"–"}.ml-faq details[open]{background:var(--amber-l)}
.ml-faq p{margin:0;padding:0 16px 16px}
.ml-feat{border-radius:14px}.ml-by,.ml-crumb{color:var(--mut)}.ml-art{max-width:880px}
.ml-404{font:700 clamp(80px,18vw,150px)/1 var(--m);color:var(--amber);margin:0;text-shadow:0 0 30px rgba(245,158,11,.6)}
.ml-ruled{list-style:none;margin:16px 0;padding:0}
.ml-ruled a{display:flex;gap:12px;align-items:center;padding:12px 8px;border-bottom:2px solid var(--rule);text-decoration:none;background:rgba(255,255,255,.9)}
.ml-ruled i{width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:600 15px var(--m);font-style:normal;flex:none}
.ml-ruled span{flex:1;font-weight:600;font-size:19px}.ml-ruled small{color:var(--mut)}
.ml-pager .nav-links{display:flex;gap:8px;flex-wrap:wrap}.ml-pager a,.ml-pager span{padding:8px 16px;border:2px solid var(--navy);border-radius:99px;text-decoration:none;background:#fff}

.ml-fb{position:relative;overflow:hidden;background:var(--navy);color:#fff;border-radius:22px;padding:24px;margin-top:26px}
.ml-fb-glow{position:absolute;right:-60px;top:-80px;width:260px;height:260px;background:radial-gradient(circle,rgba(245,158,11,.55),transparent 65%);pointer-events:none}
.ml-fb>*:not(.ml-fb-glow){position:relative}
.ml-fb h2{margin:0 0 4px;font:700 28px/1.2 var(--f)}
.ml-switch{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.ml-switch button{text-align:left;padding:14px 16px;border:2px solid #fff;border-radius:16px;background:transparent;color:#fff;cursor:pointer;display:grid;gap:2px;min-height:52px;font-family:var(--f)}
.ml-switch b{font-size:18px}.ml-switch small{font-size:15px;opacity:.9}
.ml-switch button:hover,.ml-switch button[aria-pressed=true]{background:var(--amber);border-color:var(--amber);color:var(--ink)}
.ml-fb-f{margin-top:16px;display:grid;gap:8px}.ml-fb-f[hidden],.ml-fb-ok[hidden]{display:none}
.ml-fb label{font-weight:500;font-size:16px}
.ml-fb select,.ml-fb textarea{font:400 17px var(--f);border-color:#fff}
.ml-hp{position:absolute!important;left:-9999px;height:0;opacity:0}
.ml-fb-f .ml-btn{background:var(--amber);border-color:var(--amber);color:var(--ink)}
.ml-fb-ok{font:600 20px var(--f);margin:14px 0 0}

.ml-foot{margin-top:36px;background:var(--navy-d);color:#dbeafe;border-top:6px solid var(--amber)}
.ml-foot-in{max-width:1180px;margin:0 auto;padding:24px 16px;display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:28px}
.ml-foot h2{font:600 20px var(--f);color:#fff;margin:0 0 8px}
.ml-foot p,.ml-foot li{font-size:17px}
.ml-foot ul{list-style:none;margin:0;padding:0}.ml-foot li{margin-bottom:6px}.ml-foot a{color:#fff}
.ml-copy{max-width:1180px;margin:0 auto;padding:0 16px 24px}

.ml-bar,.ml-sheet{display:none}
.ml-sheet[open]{display:block}
.ml-sheet{position:fixed;inset:auto 0 0 0;width:100%;max-width:none;max-height:86vh;margin:0;padding:0;border:0;border-radius:22px 22px 0 0;background:var(--paper);color:var(--ink);overflow:auto;z-index:80}
.ml-sheet::backdrop{background:rgba(15,23,42,.6)}
.ml-sheet-h{display:flex;justify-content:space-between;align-items:center;padding:12px 16px;background:var(--navy);color:#fff;font:600 19px var(--f);position:sticky;top:0}
.ml-sheet-h button{width:44px;height:44px;border:0;border-radius:50%;background:var(--amber);color:var(--ink);display:grid;place-items:center;cursor:pointer}
.ml-sheet-b{padding:4px 0 calc(14px + env(safe-area-inset-bottom))}
.ml-sheet-b h3{margin:14px 14px 4px;font:600 16px var(--f);color:var(--navy);text-transform:uppercase;letter-spacing:.06em}
.ml-sheet-b ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;background:#fff}
.ml-sheet-b a,.ml-sheet-b span{display:flex;align-items:center;min-height:50px;padding:8px 14px;border-bottom:1px solid var(--rule);text-decoration:none;color:var(--ink);font-weight:500;font-size:16px;line-height:1.25}
.ml-sheet-b span{color:#64748b}
.ml-fullart{max-width:1180px;margin:0 auto;padding:20px 16px}.ml-prose-wide{max-width:none}

@media(max-width:900px){
 .ml-desk{grid-template-columns:minmax(0,1fr);padding:8px 0 28px}
 .ml-pick{position:static;display:flex;overflow-x:auto;gap:0;border-bottom:3px solid var(--navy);background:#fff;-webkit-overflow-scrolling:touch}
 .ml-pick button{flex:0 0 auto;border:0;border-right:1px solid var(--rule);border-radius:0;min-height:56px}
 .ml-pick button[aria-pressed=true]{box-shadow:inset 0 -5px 0 var(--navy-d)}
 .ml-sheet-w{border-radius:0;border-width:0 0 3px 0;box-shadow:none}
 .ml-foot-in{grid-template-columns:minmax(0,1fr)}
}
@media(max-width:640px){
 body{padding-bottom:calc(var(--bar) + env(safe-area-inset-bottom))}
 .ml-nav{display:none}
 .ml-head{padding:10px 14px}
 .ml-hero{padding:22px 14px 10px}
 .ml-wrap{padding-left:0;padding-right:0}
 .ml-sheet-w{padding:12px}
 .ml-fields{grid-template-columns:minmax(0,1fr)}
 .ml-h2,.ml-sub,.ml-prose,.ml-h1,.ml-by,.ml-crumb,.ml-404,.ml-art>p,.ml-fullart>.ml-h1{padding-left:14px;padding-right:14px}
 .ml-topics-grid{gap:0;margin-top:16px}
 .ml-topic{border-radius:0;border-width:0 0 2px 0;padding:12px 14px}
 .ml-tbl{border-left:0;border-right:0;border-radius:0}.ml-prose th,.ml-prose td{padding:8px 7px}
 .ml-fb{margin:24px 0 0;border-radius:0;padding:16px 12px}
 .ml-faq details{border-left:0;border-right:0;border-radius:0;margin-bottom:-2px}
 .ml-foot-in{padding:20px 14px}.ml-copy{padding-left:14px;padding-right:14px}

 .ml-bar{display:grid;position:fixed;z-index:60;left:0;right:0;bottom:0;height:calc(var(--bar) + env(safe-area-inset-bottom));padding-bottom:env(safe-area-inset-bottom)}
 .ml-bar a,.ml-bar button{border:0;background:none;color:inherit;text-decoration:none;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;min-width:0;padding:0;cursor:pointer;font:500 12px/1.1 var(--f);position:relative}
 .ml-bar-lamp{grid-template-columns:repeat(5,1fr);background:var(--navy);color:#dbeafe;border-radius:20px 20px 0 0;box-shadow:0 -6px 20px rgba(30,64,175,.35)}
 .ml-bar-lamp [aria-current=page]{color:#fff;font-weight:700}
 .ml-bar-lamp [aria-current=page]::before{content:"";position:absolute;top:0;left:22%;right:22%;height:4px;border-radius:0 0 6px 6px;background:var(--amber);box-shadow:0 4px 14px 2px rgba(245,158,11,.8)}
 .ml-lamp b{display:grid;place-items:center;width:56px;height:56px;border-radius:18px;background:var(--amber);color:var(--ink);margin-top:-26px;box-shadow:0 0 0 4px var(--navy),0 0 24px 4px rgba(245,158,11,.75)}
 .ml-lamp span{color:#fef3c7;font-weight:700}

 .ml-bar-fp{grid-template-columns:repeat(5,1fr);align-items:end;background:#fff;border-radius:18px 18px 0 0;box-shadow:0 -4px 18px rgba(0,0,0,.14);color:#6b7280}
 .ml-bar-fp a,.ml-bar-fp button{height:var(--bar);font:600 12px/1.1 var(--f)}
 .ml-bar-fp a.on{color:#4f46e5}
 .ml-bar-fp .mid{color:#ef4444;justify-content:flex-end;padding-bottom:7px}
 .ml-bar-fp .mid b{width:58px;height:58px;border-radius:50%;background:#ef4444;color:#fff;display:grid;place-items:center;border:4px solid #fff;box-shadow:0 6px 16px rgba(239,68,68,.45);margin-top:-30px}
}
@media print{
 .ml-head,.ml-bar,.ml-foot,.ml-sheet,.ml-fb,.ml-acts,.ml-pick,.ml-reveal,.ml-hero,.ml-wrap{display:none!important}
 body{background:#fff;padding:0}.ml-desk{display:block;padding:0}.ml-sheet-w{border:0;box-shadow:none}
 .ml-steps li.hid{display:block!important}.ml-lamp-out{box-shadow:none}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}}
/* single-purpose calculators */
.ml-tool{max-width:880px;margin:0 auto 22px}
.ml-tool .ml-hint{color:var(--mut);margin:8px 0}
.ml-tool .ml-tbl{overflow-x:auto;margin:14px 0}.ml-tool table{width:100%;border-collapse:collapse}
.ml-tool th,.ml-tool td{padding:8px 10px;text-align:left;border-bottom:1px solid #e2e8f0;vertical-align:top}
.ml-tool .ml-steps{padding-left:22px}.ml-tool .ml-steps li{margin-bottom:6px}

.ml-feat{display:block;width:100%;max-width:560px;height:auto;margin:0 0 18px;border-radius:14px}.ml-prose img{display:block;height:auto;margin:18px 0;border-radius:14px}