@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Manrope:wght@600;700;800&display=swap');
:root{--hm-bg:#F6F4EE;--hm-surface:#FFFFFF;--hm-text:#13251F;--hm-muted:#647169;--hm-green:#0E6B50;--hm-green2:#124F3D;--hm-gold:#C8983D;--hm-border:#DFE5DF;--hm-soft:#EAF2EE;--hm-radius:18px;--hm-shadow:0 14px 34px rgba(19,37,31,.07);}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--hm-bg);color:var(--hm-text);font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:17px;line-height:1.72}h1,h2,h3,h4{font-family:Manrope,Inter,sans-serif;color:var(--hm-text);line-height:1.15;letter-spacing:-.025em}a{color:var(--hm-green);text-decoration:none}a:hover{color:var(--hm-green2)}img{max-width:100%;height:auto}.hm-shell{max-width:1180px;margin:0 auto;padding:0 22px}.hm-header{position:sticky;top:0;z-index:99;background:rgba(246,244,238,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--hm-border)}.hm-header-inner{height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}.hm-logo img{width:210px;display:block}.hm-nav{display:flex;align-items:center;gap:24px;font-size:14px;font-weight:700}.hm-nav a{color:var(--hm-text)}.hm-nav a:hover{color:var(--hm-green)}.hm-nav-cta{padding:10px 16px;border-radius:11px;background:var(--hm-green);color:white!important}.hm-menu-toggle{display:none;background:none;border:0;font-size:26px;color:var(--hm-text)}
.hm-hero{padding:54px 0 34px}.hm-hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:center}.hm-eyebrow{display:inline-flex;align-items:center;gap:8px;background:#E4EFEA;color:var(--hm-green2);border-radius:999px;padding:7px 12px;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}.hm-hero h1{font-size:clamp(2.6rem,5.2vw,5rem);margin:18px 0 18px;max-width:800px}.hm-hero p{font-size:1.08rem;color:var(--hm-muted);max-width:650px;margin:0 0 26px}.hm-btns{display:flex;gap:12px;flex-wrap:wrap}.hm-btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 19px;border-radius:12px;font-weight:800;font-size:14px;background:var(--hm-green);color:#fff!important;border:1px solid var(--hm-green);transition:.2s}.hm-btn:hover{transform:translateY(-1px);background:var(--hm-green2)}.hm-btn.secondary{background:white;color:var(--hm-text)!important;border-color:var(--hm-border)}.hm-hero-media{border-radius:28px;overflow:hidden;box-shadow:var(--hm-shadow);border:1px solid var(--hm-border);background:white}.hm-hero-media img{display:block;width:100%;aspect-ratio:7/4;object-fit:cover}.hm-trust-row{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:30px}.hm-trust{background:white;border:1px solid var(--hm-border);border-radius:16px;padding:17px}.hm-trust strong{display:block;font-family:Manrope;font-size:1.25rem}.hm-trust span{font-size:.85rem;color:var(--hm-muted)}
.hm-section{padding:34px 0}.hm-section-head{display:flex;align-items:end;justify-content:space-between;gap:18px;margin-bottom:20px}.hm-section-head h2{font-size:2rem;margin:0 0 6px}.hm-section-head p{margin:0;color:var(--hm-muted)}.hm-grid{display:grid;gap:20px}.hm-tools-grid{grid-template-columns:repeat(4,1fr)}.hm-tool-card,.hm-post-card,.hm-cat-card{background:white;border:1px solid var(--hm-border);border-radius:18px;box-shadow:var(--hm-shadow);overflow:hidden}.hm-tool-card{padding:22px;display:flex;flex-direction:column;min-height:245px}.hm-tool-icon{width:48px;height:48px;border-radius:14px;background:var(--hm-soft);display:flex;align-items:center;justify-content:center;color:var(--hm-green);font-family:Manrope;font-weight:800;margin-bottom:16px}.hm-tool-card h3{font-size:1.06rem;margin:0 0 8px}.hm-tool-card p{font-size:.9rem;color:var(--hm-muted);margin:0 0 18px}.hm-tool-card .hm-btn{margin-top:auto;width:100%;padding:10px 14px}.hm-posts-grid{grid-template-columns:repeat(3,1fr)}.hm-thumb{display:block;aspect-ratio:1200/630;background:#e8ece9;overflow:hidden}.hm-thumb img{width:100%;height:100%;object-fit:cover;display:block}.hm-card-body{padding:18px}.hm-meta{display:flex;gap:10px;flex-wrap:wrap;color:var(--hm-muted);font-size:.78rem;font-weight:600;margin-bottom:10px}.hm-post-card h3{font-size:1.08rem;margin:0 0 9px}.hm-post-card p{font-size:.9rem;color:var(--hm-muted);margin:0}.hm-cat-grid{grid-template-columns:repeat(4,1fr)}.hm-cat-card img{width:100%;aspect-ratio:10/7;object-fit:cover;display:block}.hm-cat-card .hm-card-body p{font-size:.88rem;color:var(--hm-muted)}
.hm-page{padding:42px 0 64px}.hm-content-wrap{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:34px;align-items:start}.hm-article,.hm-basic-page{background:white;border:1px solid var(--hm-border);border-radius:22px;padding:clamp(24px,4vw,46px);box-shadow:var(--hm-shadow)}.hm-article h1,.hm-basic-page h1{font-size:clamp(2.15rem,4vw,3.5rem);margin:8px 0 18px}.hm-article h2,.hm-basic-page h2{font-size:1.7rem;margin:42px 0 14px}.hm-article h3{font-size:1.15rem;margin:28px 0 8px}.hm-article p,.hm-article li,.hm-basic-page p{font-size:18px;line-height:1.72}.hm-article p{margin:0 0 18px}.hm-article ul,.hm-article ol{padding-left:24px}.hm-featured{margin:26px 0;border-radius:18px;overflow:hidden}.hm-featured img{display:block;width:100%}.hm-article-image{margin:28px 0}.hm-article-image img{display:block;width:100%;border-radius:16px;border:1px solid var(--hm-border)}.hm-article-image figcaption{font-size:.82rem;color:var(--hm-muted);margin-top:7px}.hm-key-takeaway,.hm-tools-callout,.hm-sources,.hm-disclaimer{border-radius:16px;padding:20px 22px;margin:26px 0;background:#F2F7F4;border:1px solid #D9E8DF}.hm-disclaimer{background:#FBF7EE;border-color:#EDE1C7;font-size:.9rem;color:#5c5342}.hm-tools-callout h2,.hm-sources h2{margin-top:0;font-size:1.35rem}.hm-sidebar{position:sticky;top:110px;display:grid;gap:18px}.hm-side-box{background:white;border:1px solid var(--hm-border);border-radius:18px;padding:20px;box-shadow:var(--hm-shadow)}.hm-side-box h3{font-size:1.1rem;margin:0 0 12px}.hm-side-box ul{margin:0;padding-left:18px}.hm-side-box li{margin:7px 0;font-size:.9rem}.hm-author-line{display:flex;gap:10px;align-items:center;color:var(--hm-muted);font-size:.85rem}.hm-author-dot{width:34px;height:34px;border-radius:50%;background:var(--hm-green);color:white;display:flex;align-items:center;justify-content:center;font-weight:800}.hm-breadcrumbs{font-size:.8rem;color:var(--hm-muted)}
.hm-tool-page{max-width:900px;margin:0 auto;background:white;border:1px solid var(--hm-border);border-radius:22px;padding:clamp(24px,4vw,42px);box-shadow:var(--hm-shadow)}.hm-tool-page h1{font-size:2.4rem;margin:8px 0 10px}.hm-tool-note{color:var(--hm-muted);margin-bottom:24px}.hm-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.hm-field{display:grid;gap:7px;margin-bottom:14px}.hm-field label{font-weight:700;font-size:.9rem}.hm-field input,.hm-field textarea,.hm-field select{width:100%;padding:12px 13px;border:1px solid #CBD5CF;border-radius:11px;font:inherit;color:var(--hm-text);background:#fff}.hm-field textarea{min-height:120px;resize:vertical}.hm-result{margin-top:20px;border-radius:16px;background:#F3F7F5;border:1px solid #DCE7E0;padding:18px;min-height:76px}.hm-result strong{font-family:Manrope}.hm-kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}.hm-kpi{padding:14px;border-radius:14px;background:#F8FAF8;border:1px solid var(--hm-border)}.hm-kpi strong{display:block;font-size:1.3rem;font-family:Manrope}.hm-kpi span{font-size:.8rem;color:var(--hm-muted)}
.hm-footer{margin-top:48px;background:#102A21;color:#DCE8E1}.hm-footer a{color:#DCE8E1}.hm-footer a:hover{color:white}.hm-footer-top{padding:48px 0 34px;display:grid;grid-template-columns:1.2fr repeat(3,.8fr);gap:32px}.hm-footer-logo img{width:210px;filter:brightness(0) invert(1);opacity:.92}.hm-footer h4{color:white;margin:0 0 14px}.hm-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px;font-size:.9rem}.hm-footer p{color:#AFC2B7;font-size:.9rem;max-width:380px}.hm-footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:18px 0;font-size:.8rem;color:#AFC2B7;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
@media(max-width:1020px){.hm-tools-grid{grid-template-columns:repeat(3,1fr)}.hm-cat-grid{grid-template-columns:repeat(3,1fr)}.hm-content-wrap{grid-template-columns:1fr}.hm-sidebar{position:static;grid-template-columns:repeat(2,1fr)}.hm-footer-top{grid-template-columns:1fr 1fr}}
@media(max-width:820px){.hm-nav{display:none;position:absolute;top:82px;left:0;right:0;background:var(--hm-bg);padding:18px 22px;border-bottom:1px solid var(--hm-border);flex-direction:column;align-items:flex-start}.hm-nav.open{display:flex}.hm-menu-toggle{display:block}.hm-hero-grid{grid-template-columns:1fr}.hm-trust-row{grid-template-columns:repeat(2,1fr)}.hm-posts-grid{grid-template-columns:repeat(2,1fr)}.hm-tools-grid{grid-template-columns:repeat(2,1fr)}.hm-cat-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){body{font-size:16px}.hm-shell{padding:0 16px}.hm-header-inner{height:72px}.hm-logo img{width:185px}.hm-nav{top:72px}.hm-hero{padding-top:34px}.hm-hero h1{font-size:2.65rem}.hm-trust-row,.hm-posts-grid,.hm-tools-grid,.hm-cat-grid,.hm-sidebar,.hm-form-grid,.hm-kpis,.hm-footer-top{grid-template-columns:1fr}.hm-article,.hm-basic-page{padding:24px 20px}.hm-article p,.hm-article li{font-size:17px}}