.c695-page,.c695-page *,.c695-page *::before,.c695-page *::after{box-sizing:border-box}
  .c695-page{--navy:#0F2340;--navy2:#173555;--gold:#C9A84C;--gold2:#E2C97A;--cream:#F5F1EA;--paper:#FFFDFC;--text:#3D4F63;--muted:#657486;--line:rgba(15,35,64,.12);--green:#117A65;--red:#B64848;width:100vw;margin-left:calc(50% - 50vw);background:var(--cream);color:var(--text);font-family:inherit;font-size:16px;line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:clip}
  .c695-page :focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:3px}
  .c695-page a{color:inherit}
  .c695-page h2,.c695-page h3,.c695-page button,.c695-page input,.c695-page select,.c695-page textarea{font-family:inherit!important}
  .c695-wrap{width:100%;max-width:1180px;margin:0 auto;padding:32px 30px 70px}
  .c695-progress{position:fixed;left:0;top:0;height:3px;width:0;background:linear-gradient(90deg,var(--gold),var(--gold2));z-index:9999;pointer-events:none}
  .c695-top{position:fixed;right:20px;bottom:22px;width:44px;height:44px;border:1px solid rgba(201,168,76,.35);border-radius:50%;background:var(--navy);color:var(--gold);font-size:18px;font-weight:700;line-height:1;display:grid;place-items:center;text-decoration:none;box-shadow:0 8px 22px rgba(15,35,64,.2);opacity:0;pointer-events:none;transform:translateY(8px);transition:.2s;z-index:800}
  .c695-top.is-visible{opacity:1;pointer-events:auto;transform:none}
  .c695-kicker{display:inline-flex;align-items:center;gap:8px;color:var(--gold);font-size:11px;font-weight:700;letter-spacing:.13em;text-transform:uppercase}
  .c695-kicker::before{content:'';width:26px;height:2px;background:var(--gold)}
  .c695-hero{position:relative;overflow:hidden;background:var(--navy);border-radius:14px;padding:44px 46px;color:#fff;box-shadow:0 20px 48px rgba(15,35,64,.16)}
  .c695-hero::before{content:'';position:absolute;right:-100px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(201,168,76,.16),transparent 67%);pointer-events:none}
  .c695-hero::after{content:'';position:absolute;left:0;right:0;bottom:0;height:3px;background:linear-gradient(90deg,var(--gold),transparent 75%)}
  .c695-hero>*{position:relative;z-index:1}
  .c695-hero-grid{display:grid;grid-template-columns:minmax(0,1.65fr) minmax(300px,.85fr);gap:38px;align-items:start}
  .c695-hero-copy{min-width:0}
  .c695-hero h2{max-width:930px;margin:14px 0 16px;color:#fff;font-family:inherit;font-size:clamp(34px,4.6vw,58px);font-weight:700;line-height:1.08;letter-spacing:-.025em}
  .c695-hero h2 em{font-style:normal;color:var(--gold)}
  .c695-lead{max-width:890px;margin:0;color:#D8E0E8;font-size:18px;line-height:1.7}
  .c695-hero-points{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;margin-top:30px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.12);border-radius:9px;overflow:hidden}
  .c695-hero-point{background:rgba(15,35,64,.68);padding:17px 18px}
  .c695-hero-point strong{display:block;color:var(--gold2);font-size:22px;line-height:1.15;margin-bottom:4px}
  .c695-hero-point span{display:block;color:#B8C4D0;font-size:12px;line-height:1.45}
  .c695-hero-actions{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-top:26px}
  .c695-hero-panel{overflow:hidden;border:1px solid rgba(201,168,76,.38);border-radius:10px;background:#1B3B5E;box-shadow:0 16px 34px rgba(4,15,31,.22)}
  .c695-hero-panel-head{padding:20px 22px;background:linear-gradient(135deg,#D7B755,#E5CD82);color:var(--navy)}
  .c695-hero-panel-head strong{display:block;font-size:17px;line-height:1.3;margin-bottom:3px}
  .c695-hero-panel-head span{display:block;color:rgba(15,35,64,.72);font-size:12px}
  .c695-hero-panel-body{padding:18px 22px 20px}
  .c695-hero-panel-row{display:flex;justify-content:space-between;gap:18px;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.09)}
  .c695-hero-panel-row:last-of-type{border-bottom:0}
  .c695-hero-panel-row span{color:#F0F4F7;font-size:13px;font-weight:600}
  .c695-hero-panel-row strong{color:#F2C94C;font-size:13px;text-align:right;white-space:nowrap}
  .c695-hero-panel-note{margin:9px 0 0;color:#C9D4DF!important;-webkit-text-fill-color:#C9D4DF!important;font-size:11px;line-height:1.55;text-align:center}
  .c695-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:11px 20px;border-radius:5px;border:1px solid transparent;text-decoration:none;font-weight:700;font-size:14px;transition:.2s}
  .c695-btn-primary{background:var(--gold);color:var(--navy);-webkit-text-fill-color:var(--navy)}
  .c695-btn-primary:hover{background:var(--gold2)}
  .c695-btn-secondary{border-color:rgba(255,255,255,.25);color:#fff;-webkit-text-fill-color:#fff;background:rgba(255,255,255,.04)}
  .c695-btn-secondary:hover{border-color:var(--gold);color:var(--gold2);-webkit-text-fill-color:var(--gold2)}
  .c695-period{display:flex;align-items:flex-start;gap:13px;margin:22px 0 0;padding:16px 19px;border:1px solid rgba(201,168,76,.25);border-radius:8px;background:rgba(201,168,76,.08);color:#D8E0E8;font-size:14px}
  .c695-period strong{color:#fff}
  .c695-period-icon{color:var(--gold);font-size:20px;line-height:1.25}
  .c695-answer{display:grid;grid-template-columns:1.35fr .65fr;gap:22px;margin:28px 0}
  .c695-answer-main,.c695-answer-side{border-radius:11px;padding:28px 30px}
  .c695-answer-main{background:var(--paper);border:1px solid var(--line)}
  .c695-answer-side{background:var(--navy);color:#D8E0E8}
  .c695-answer h2,.c695-answer h3{font-family:inherit;font-weight:700;line-height:1.25;margin:0 0 12px}
  .c695-answer h2{color:var(--navy);font-size:27px}
  .c695-answer h3{color:#fff;font-size:21px}
  .c695-answer p{margin:0}
  .c695-page .c695-answer-side p{color:#E7EDF3!important;-webkit-text-fill-color:#E7EDF3!important}
  .c695-answer-side strong{color:var(--gold2)}
  .c695-toc{background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px 24px;margin:0 0 34px}
  .c695-toc summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;color:var(--navy);font-weight:700}
  .c695-toc summary::-webkit-details-marker{display:none}
  .c695-toc summary::after{content:'+';color:var(--gold);font-size:22px;line-height:1}
  .c695-toc[open] summary::after{content:'−'}
  .c695-toc ol{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 28px;margin:16px 0 0;padding:16px 0 0 22px;border-top:1px solid var(--line)}
  .c695-toc a{color:var(--text);text-decoration:none;border-bottom:1px solid transparent}
  .c695-toc a:hover{color:var(--navy);border-bottom-color:var(--gold)}
  .c695-article h2{font-family:inherit;font-weight:700;color:var(--navy);font-size:clamp(27px,3.1vw,38px);line-height:1.18;letter-spacing:-.018em;margin:52px 0 17px;scroll-margin-top:25px}
  .c695-article h3{font-family:inherit;font-weight:700;color:var(--navy);font-size:22px;line-height:1.3;margin:30px 0 12px;scroll-margin-top:25px}
  .c695-article p{margin:0 0 17px}
  .c695-article strong{color:var(--navy)}
  .c695-eyebrow{display:block;margin-bottom:8px;color:var(--gold);font-size:11px;font-weight:700;letter-spacing:.13em;text-transform:uppercase}
  .c695-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin:24px 0}
  .c695-card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px}
  .c695-card-num{display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:rgba(201,168,76,.14);color:var(--navy);font-weight:700;margin-bottom:13px}
  .c695-card h3{font-size:16px;margin:0 0 7px}
  .c695-card p{font-size:14px;color:var(--muted);margin:0}
  .c695-note{display:flex;align-items:flex-start;gap:12px;background:#fff;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:18px 21px;margin:22px 0;color:var(--text)}
  .c695-note strong{display:block;margin-bottom:2px}
  .c695-note-icon{font-size:20px;line-height:1.35;color:var(--gold)}
  .c695-help{margin:18px 0 25px;border:1px solid rgba(201,168,76,.38);border-radius:8px;background:#fff;overflow:hidden}
  .c695-help summary{cursor:pointer;list-style:none;padding:15px 18px;color:var(--navy);font-weight:700;display:flex;justify-content:space-between;gap:16px}
  .c695-help summary::-webkit-details-marker{display:none}
  .c695-help summary::after{content:'+';color:var(--gold);font-size:20px;line-height:1}
  .c695-help[open] summary::after{content:'−'}
  .c695-help div{padding:0 18px 17px;color:var(--text);font-size:14px}
  .c695-help p{margin:0 0 9px}
  .c695-help p:last-child{margin-bottom:0}
  .c695-family-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin:24px 0}
  .c695-family{border-radius:10px;padding:23px;background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold)}
  .c695-family-code{display:inline-flex;align-items:center;justify-content:center;min-width:35px;height:28px;padding:0 9px;background:var(--navy);color:var(--gold2);font-weight:700;border-radius:4px;margin-bottom:12px}
  .c695-family h3{font-size:16px;margin:0 0 8px}
  .c695-family p{font-size:14px;color:var(--muted);margin:0}
  .c695-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:10px;border:1px solid var(--line);background:#fff;margin:20px 0 30px;box-shadow:0 7px 20px rgba(15,35,64,.05)}
  .c695-table{width:100%;min-width:660px;border-collapse:collapse;font-size:14px}
  .c695-table caption{padding:17px 18px;text-align:left;color:var(--navy);font-weight:700;background:#fff}
  .c695-table thead{background:var(--navy)}
  .c695-table th{padding:13px 15px;text-align:left;color:var(--gold2);font-size:11px;letter-spacing:.08em;text-transform:uppercase}
  .c695-table td{padding:12px 15px;border-bottom:1px solid rgba(15,35,64,.08);vertical-align:top}
  .c695-table tbody tr:last-child td{border-bottom:none}
  .c695-table tbody tr:nth-child(even){background:#FBF8F3}
  .c695-table td:first-child{font-weight:700;color:var(--navy)}
  .c695-table .c695-zero{color:var(--red);font-weight:700}
  .c695-formula{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:rgba(201,168,76,.25);border-radius:10px;overflow:hidden;margin:24px 0}
  .c695-formula-step{background:var(--navy);padding:24px;color:#D8E0E8}
  .c695-formula-step span{display:block;color:var(--gold);font-size:12px;font-weight:700;line-height:1;letter-spacing:.1em;text-transform:uppercase;margin-bottom:10px}
  .c695-formula-step strong{display:block;color:#fff;font-size:16px;margin-bottom:5px}
  .c695-page .c695-formula-step p{font-size:13px;color:#D8E0E8!important;-webkit-text-fill-color:#D8E0E8!important;margin:0}
  .c695-calculator{margin:26px 0 34px;background:var(--navy);border-radius:13px;overflow:hidden;box-shadow:0 18px 42px rgba(15,35,64,.16)}
  .c695-calc-head{padding:28px 32px;border-bottom:1px solid rgba(255,255,255,.12)}
  .c695-calc-head .c695-eyebrow{margin-bottom:7px}
  .c695-calc-head h2{color:#fff;margin:0 0 8px;font-size:30px}
  .c695-page .c695-calc-head p{color:#D8E0E8!important;-webkit-text-fill-color:#D8E0E8!important;margin:0;max-width:850px;font-size:14px}
  .c695-calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:0}
  .c695-calc-controls{padding:28px 32px;background:#fff}
  .c695-field{margin-bottom:18px}
  .c695-field:last-child{margin-bottom:0}
  .c695-field label{display:block;color:var(--navy);font-size:13px;font-weight:700;margin-bottom:7px}
  .c695-field small{display:block;color:var(--muted);font-size:11px;margin-top:5px;line-height:1.45}
  .c695-field select,.c695-field input{width:100%;min-height:47px;border:1px solid rgba(15,35,64,.2);border-radius:5px;background:#fff;color:var(--navy);font-size:15px;font-weight:500;line-height:1.2;padding:10px 12px;box-shadow:none}
  .c695-field select:focus,.c695-field input:focus{border-color:var(--gold);outline:2px solid rgba(201,168,76,.18)}
  .c695-calc-result{padding:28px 32px;color:#D8E0E8;display:flex;flex-direction:column;justify-content:center}
  .c695-result-label{font-size:11px;color:#93A3B4;letter-spacing:.12em;text-transform:uppercase}
  .c695-result-value{color:var(--gold2);font-size:clamp(40px,5vw,62px);font-weight:700;line-height:1.05;margin:7px 0 17px}
  .c695-result-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:16px}
  .c695-result-box{border:1px solid rgba(255,255,255,.12);border-radius:7px;padding:12px 13px}
  .c695-result-box span{display:block;color:#8FA0B1;font-size:10px;text-transform:uppercase;letter-spacing:.07em;margin-bottom:3px}
  .c695-result-box strong{display:block;color:#fff;font-size:15px}
  .c695-result-status{padding:12px 14px;border-radius:7px;background:rgba(17,122,101,.17);border:1px solid rgba(52,211,153,.2);color:#A7F3D0;font-size:13px;line-height:1.5}
  .c695-result-status.is-zero{background:rgba(182,72,72,.16);border-color:rgba(248,113,113,.22);color:#FECACA}
  .c695-result-status.is-waiting{background:rgba(201,168,76,.1);border-color:rgba(201,168,76,.2);color:#EADBAA}
  .c695-calc-disclaimer{padding:14px 32px;background:#0A1A30;color:#8797A8;font-size:11px;line-height:1.55}
  .c695-example-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin:24px 0}
  .c695-example{background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px}
  .c695-example-tag{display:inline-block;background:rgba(201,168,76,.13);color:var(--navy);border-radius:4px;padding:3px 8px;font-size:10px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;margin-bottom:12px}
  .c695-example h3{font-size:16px;margin:0 0 10px}
  .c695-example dl{margin:0}
  .c695-example dl div{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px solid rgba(15,35,64,.08);font-size:13px}
  .c695-example dl div:last-child{border-bottom:none;padding-bottom:0}
  .c695-example dt{color:var(--muted)}
  .c695-example dd{margin:0;color:var(--navy);font-weight:700;text-align:right}
  .c695-example .c695-final{color:var(--green);font-size:15px}
  .c695-steps{counter-reset:c695step;display:grid;grid-template-columns:repeat(4,1fr);gap:13px;margin:24px 0}
  .c695-step{counter-increment:c695step;background:#fff;border:1px solid var(--line);border-radius:10px;padding:21px}
  .c695-step::before{content:counter(c695step,decimal-leading-zero);display:block;color:rgba(201,168,76,.7);font-size:28px;font-weight:700;line-height:1;margin-bottom:10px}
  .c695-step h3{font-size:15px;margin:0 0 7px}
  .c695-step p{font-size:13px;color:var(--muted);margin:0}
  .c695-errors{display:grid;grid-template-columns:1fr 1fr;gap:13px;margin:24px 0}
  .c695-error{display:flex;gap:11px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:17px 18px}
  .c695-error-mark{color:var(--red);font-weight:700}
  .c695-error strong{display:block;font-size:14px;margin-bottom:2px}
  .c695-error p{font-size:13px;color:var(--muted);margin:0}
  .c695-mid-cta{display:grid;grid-template-columns:1fr auto;align-items:center;gap:24px;margin:42px 0;background:var(--navy);border-radius:12px;padding:28px 31px;color:#D8E0E8;position:relative;overflow:hidden}
  .c695-mid-cta::after{content:'';position:absolute;left:0;bottom:0;width:70%;height:2px;background:linear-gradient(90deg,var(--gold),transparent)}
  .c695-mid-cta h2{color:#fff;margin:0 0 7px;font-size:27px}
  .c695-mid-cta h2 em{font-style:normal;color:var(--gold2)}
  .c695-page .c695-mid-cta p{margin:0;font-size:14px;color:#E7EDF3!important;-webkit-text-fill-color:#E7EDF3!important}
  .c695-faq{display:grid;gap:10px;margin:24px 0}
  .c695-faq details{background:#fff;border:1px solid var(--line);border-radius:9px;overflow:hidden}
  .c695-faq summary{cursor:pointer;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:18px 20px;color:var(--navy);font-weight:700}
  .c695-faq summary::-webkit-details-marker{display:none}
  .c695-faq summary::after{content:'+';display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:rgba(201,168,76,.13);color:var(--gold);font-size:19px;line-height:1;flex:0 0 auto}
  .c695-faq details[open] summary::after{content:'−';background:var(--navy)}
  .c695-faq-answer{padding:0 20px 19px;color:var(--muted)}
  .c695-faq-answer p{margin:0}
  .c695-faq-answer a{color:var(--navy);text-decoration:underline;text-decoration-color:rgba(201,168,76,.65);text-underline-offset:3px}
  .c695-faq-answer a:hover{text-decoration-color:var(--gold)}
  .c695-source{margin:38px 0 0;border-top:1px solid var(--line);padding-top:19px;color:var(--muted);font-size:13px}
  .c695-source a{color:var(--navy);font-weight:700;text-decoration:none;border-bottom:1px solid rgba(201,168,76,.5)}
  .c695-source a:hover{border-color:var(--gold)}
  .c695-consult{display:grid;grid-template-columns:minmax(0,1.25fr) auto;align-items:center;gap:42px;margin:42px 0 0;padding:42px 46px;border-radius:12px;background:linear-gradient(135deg,var(--navy),#1D4268);box-shadow:0 18px 42px rgba(15,35,64,.16);position:relative;overflow:hidden}
  .c695-consult::after{content:'';position:absolute;left:0;right:0;bottom:0;height:3px;background:linear-gradient(90deg,var(--gold),transparent 75%)}
  .c695-consult-copy,.c695-consult-action{position:relative;z-index:1}
  .c695-consult h2{margin:8px 0 12px;color:#fff;font-size:clamp(27px,3vw,39px);line-height:1.16}
  .c695-consult h2 em{display:block;color:var(--gold);font-style:normal;margin-top:4px}
  .c695-page .c695-consult p{max-width:720px;margin:0;color:#E7EDF3!important;-webkit-text-fill-color:#E7EDF3!important;font-size:15px}
  .c695-consult-paid{display:inline-flex;align-items:center;gap:7px;margin-top:18px;padding:7px 11px;border:1px solid rgba(201,168,76,.38);border-radius:5px;color:var(--gold2);font-size:12px;font-weight:700}
  .c695-consult-action{min-width:270px;text-align:center}
  .c695-consult-action .c695-btn{width:100%;min-height:54px;padding:14px 22px;font-size:15px}
  .c695-consult-action small{display:block;margin-top:10px;color:#C5D0DB;font-size:11px;line-height:1.45}
  @media (max-width:900px){
    .c695-hero-grid{grid-template-columns:1fr;gap:28px}
    .c695-hero-points{grid-template-columns:1fr 1fr}
    .c695-answer{grid-template-columns:1fr}
    .c695-cards,.c695-family-grid,.c695-example-grid{grid-template-columns:1fr 1fr}
    .c695-formula{grid-template-columns:1fr}
    
    .c695-steps{grid-template-columns:1fr 1fr}
    .c695-consult{grid-template-columns:1fr;gap:25px}
    .c695-consult-action{min-width:0;max-width:380px}
  }
  @media (max-width:640px){
    .c695-wrap{padding:18px 14px 56px}
    .c695-hero{padding:29px 20px;border-radius:10px}
    .c695-hero h2{font-size:34px}
    .c695-lead{font-size:16px}
    .c695-hero-points{grid-template-columns:1fr}
    .c695-hero-panel-head,.c695-hero-panel-body{padding-left:18px;padding-right:18px}
    
    .c695-period{padding:14px}
    .c695-answer-main,.c695-answer-side{padding:22px 19px}
    .c695-toc{padding:18px}
    .c695-toc ol{grid-template-columns:1fr}
    
    .c695-article h2{margin-top:42px;font-size:29px}
    .c695-calc-head,.c695-calc-controls,.c695-calc-result{padding:23px 18px}
    .c695-calc-disclaimer{padding:13px 18px}
    
    .c695-mid-cta{grid-template-columns:1fr;padding:24px 20px}
    
    .c695-consult{padding:29px 21px}
    .c695-consult-action{max-width:none}
    .c695-top{right:14px;bottom:14px}
  }
  @media (prefers-reduced-motion:reduce){.c695-page *{scroll-behavior:auto!important;transition:none!important}}