:root{--em-blue:#146ef5;--em-navy:#0d315c;--em-ink:#142b46;--em-muted:#5d7189;--em-line:#d9e6f3;--em-soft:#f4f9ff;--em-green:#12835a;--em-gold:#f1a52b}*{box-sizing:border-box}body{margin:0;color:var(--em-ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Arial,sans-serif}.em-wrap{width:min(1100px,calc(100% - 40px));margin:auto}.em-hero{padding:62px 0 50px;background:linear-gradient(140deg,#eff7ff,#fff 60%,#f4fff9);border-bottom:1px solid var(--em-line)}.em-eyebrow{font-size:12px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;color:var(--em-blue)}.em-hero h1{max-width:850px;margin:10px 0 15px;font-size:clamp(38px,6vw,62px);line-height:1.05;letter-spacing:-.035em}.em-hero p{max-width:760px;margin:0;color:var(--em-muted);font-size:18px;line-height:1.7}.em-actions{display:flex;gap:11px;flex-wrap:wrap;margin-top:25px}.em-btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 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var(--em-line);border-radius:18px;background:#fff;box-shadow:0 10px 32px rgba(24,65,110,.07)}.em-fields{display:grid;grid-template-columns:1fr 1fr;gap:15px}.em-fields label{font-size:13px;font-weight:800;color:#294562}.em-fields input,.em-fields select{display:block;width:100%;margin-top:7px;border:1px solid #b9cce1;border-radius:10px;padding:12px;font:inherit;color:var(--em-ink);background:#fff}.em-calc-button{width:100%;margin-top:18px;border:0;border-radius:10px;padding:14px;background:var(--em-blue);color:#fff;font:inherit;font-weight:900;cursor:pointer}.em-result{min-height:300px;background:linear-gradient(145deg,#0d3767,#12609d);color:#fff}.em-result-label{color:#bfddf8;font-size:12px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}.em-result-value{margin:11px 0 19px;font-size:clamp(38px,6vw,54px);font-weight:950}.em-result-rows{display:grid;gap:10px}.em-result-row{display:flex;justify-content:space-between;gap:18px;padding-top:10px;border-top:1px solid rgba(255,255,255,.17)}.em-result-row span{color:#d5e8f7}.em-result-note{margin-top:17px;padding:12px;border-radius:10px;background:rgba(255,255,255,.1);color:#e7f3fc;font-size:12px;line-height:1.55}.em-content{max-width:840px;margin:46px auto 0}.em-content h2{margin-top:34px;font-size:28px}.em-content p,.em-content li{color:#465e78;line-height:1.75}.em-related{display:flex;gap:10px;flex-wrap:wrap;margin:24px 0}.em-related a{padding:10px 13px;border:1px solid #bdd4ed;border-radius:9px;color:#145fc5;text-decoration:none;font-weight:800;font-size:13px}.em-note{margin-top:20px;color:#71839a;font-size:12px;line-height:1.65}.em-guide{max-width:850px;margin:auto;padding:45px 20px 70px}.em-guide h1{font-size:clamp(36px,5vw,52px);line-height:1.1}.em-guide h2{margin-top:38px;font-size:28px}.em-guide p,.em-guide li{color:#465e78;line-height:1.8}.em-callout{margin:24px 0;padding:18px 20px;border:1px solid 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