:root{
  --k27-navy:#102653;
  --k27-blue:#1478d4;
  --k27-blue-dark:#0d5ca8;
  --k27-text:#27364b;
  --k27-muted:#667085;
  --k27-border:#dde7f1;
  --k27-bg:#f5f8fc;
  --k27-soft:#eef6ff;
  --k27-green:#15803d;
  --k27-red:#b42318;
}
*{box-sizing:border-box}
body{margin:0;background:var(--k27-bg);color:var(--k27-text);font-family:Arial,Helvetica,sans-serif;line-height:1.65}
.k27-page{max-width:1080px;margin:0 auto;padding:34px 18px 72px}
.k27-breadcrumb{display:flex;gap:8px;align-items:center;flex-wrap:wrap;margin:0 0 18px;color:var(--k27-muted);font-size:13px}
.k27-breadcrumb a{color:var(--k27-blue);text-decoration:none}.k27-breadcrumb a:hover{text-decoration:underline}
.k27-hero{padding:40px 42px;border:1px solid var(--k27-border);border-radius:24px;background:linear-gradient(135deg,#fff 0%,#eef6ff 100%);box-shadow:0 16px 45px rgba(16,38,83,.08);margin-bottom:24px}
.k27-eyebrow{display:inline-block;color:var(--k27-blue);font-size:13px;font-weight:800;letter-spacing:.03em;text-transform:uppercase}
.k27-hero h1{margin:8px 0 13px;color:var(--k27-navy);font-size:clamp(31px,4.5vw,49px);line-height:1.11;letter-spacing:-.025em}
.k27-lead{max-width:900px;margin:0;color:#43536a;font-size:18px}
.k27-facts{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}.k27-facts span{padding:9px 13px;border:1px solid #d3e5f8;border-radius:999px;background:#fff;color:#53647b;font-size:13px}.k27-facts .k27-emphasis{color:var(--k27-navy);font-size:15px;font-weight:800}
.k27-card,.k27-search-card{margin:24px 0;padding:30px;border:1px solid var(--k27-border);border-radius:20px;background:#fff;box-shadow:0 10px 30px rgba(16,38,83,.05)}
.k27-card h2,.k27-search-card h2{margin:5px 0 11px;color:var(--k27-navy);font-size:clamp(24px,3vw,32px);line-height:1.2}
.k27-card h3,.k27-search-card h3{margin:26px 0 7px;color:var(--k27-navy);font-size:20px;line-height:1.3}.k27-subheading,.k27-step-title,.k27-factor-title{margin:24px 0 7px;color:var(--k27-navy);font-size:18px;line-height:1.35;font-weight:800}.k27-step-title{margin-top:22px}.k27-factor-title{margin:0 0 6px;font-size:17px}
.k27-card p,.k27-search-card p{margin:10px 0;color:#44546a}.k27-card a,.k27-search-card a{color:var(--k27-blue);font-weight:700}
.k27-search-form{margin-top:20px}.k27-search-form label{display:block;margin-bottom:7px;color:var(--k27-navy);font-weight:800}.k27-search-row{display:grid;grid-template-columns:1fr auto;gap:10px}
.k27-search-row input{width:100%;min-height:52px;padding:13px 15px;border:1px solid #cbd9e7;border-radius:11px;background:#fbfdff;color:#1f2d42;font:inherit;font-size:16px;outline:none}.k27-search-row input:focus{border-color:var(--k27-blue);box-shadow:0 0 0 3px rgba(20,120,212,.12);background:#fff}
.k27-search-row button,.k27-button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:13px 21px;border:0;border-radius:11px;background:var(--k27-blue);color:#fff!important;font:inherit;font-weight:800;text-decoration:none;cursor:pointer;white-space:nowrap}.k27-search-row button:hover,.k27-button:hover{background:var(--k27-blue-dark);text-decoration:none}
.k27-search-form small{display:block;margin-top:8px;color:var(--k27-muted);font-size:12px}.k27-calculator-box{display:grid;grid-template-columns:1fr auto;gap:25px;align-items:center;margin-top:25px;padding:22px;border:1px solid #cfe3f7;border-radius:15px;background:var(--k27-soft)}.k27-calculator-box .k27-subheading{margin:4px 0;color:var(--k27-navy);font-size:20px}.k27-calculator-box p{margin:0;color:#52657c;font-size:14px}
.k27-note{margin:20px 0;padding:16px 18px;border-left:4px solid var(--k27-blue);border-radius:8px;background:#f5faff;color:#44546a}.k27-note-label{color:var(--k27-navy);font-weight:800}
.k27-stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:22px 0}.k27-stat{padding:20px;border:1px solid var(--k27-border);border-radius:16px;background:#f9fbfd}.k27-stat span{display:block;color:var(--k27-muted);font-size:13px;font-weight:800}.k27-stat-number{display:block;margin:5px 0;color:var(--k27-navy);font-size:40px;line-height:1;font-weight:800}.k27-stat p{margin:5px 0 0;font-size:13px}.k27-good{background:#f1fbf5;border-color:#ccebd6}.k27-good strong{color:var(--k27-green)}.k27-bad{background:#fff6f5;border-color:#f1cfca}.k27-bad strong{color:var(--k27-red)}
.k27-factor-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:18px 0}.k27-factor-grid article{padding:18px;border:1px solid var(--k27-border);border-radius:14px;background:#fbfdff}.k27-factor-grid .k27-factor-title{margin:0 0 6px}.k27-factor-grid p{margin:0;font-size:14px}
.k27-cta{display:grid;grid-template-columns:1.1fr .9fr;gap:25px;align-items:center;margin-top:25px;padding:24px;border-radius:18px;background:linear-gradient(135deg,#102653 0%,#184f91 100%);color:#fff}.k27-cta .k27-eyebrow{color:#a9d2ff}.k27-cta-title{color:#fff;margin:5px 0;font-size:20px;line-height:1.3;font-weight:800}.k27-cta p{color:#d8e6f8;margin:0}.k27-cta-actions{display:grid;gap:9px}.k27-button-secondary{background:#fff;color:var(--k27-blue)!important;border:1px solid #b8d6f2}.k27-button-secondary:hover{background:#f5faff}
.k27-faq details{border-top:1px solid #e5ecf3;padding:15px 0}.k27-faq details:last-child{border-bottom:1px solid #e5ecf3}.k27-faq summary{cursor:pointer;color:var(--k27-navy);font-weight:800}.k27-faq details p{margin:8px 0 0}.k27-sources{background:#f9fbfd}.k27-sources ul{padding-left:20px}.k27-sources li{margin:8px 0;color:#53647b;font-size:14px}
.k27-source-title{margin:0 0 12px;color:var(--k27-navy);font-size:24px;line-height:1.25;font-weight:800}
@media(max-width:860px){.k27-page{padding-top:24px}.k27-hero{padding:29px 25px}.k27-card,.k27-search-card{padding:23px}.k27-stat-grid,.k27-factor-grid{grid-template-columns:1fr}.k27-calculator-box,.k27-cta{grid-template-columns:1fr}}
@media(max-width:600px){.k27-page{padding-left:13px;padding-right:13px}.k27-hero{padding:24px 20px;border-radius:18px}.k27-lead{font-size:16px}.k27-card,.k27-search-card{padding:19px;border-radius:16px}.k27-search-row{grid-template-columns:1fr}.k27-search-row button{width:100%}.k27-facts{display:grid}.k27-button{width:100%;white-space:normal;text-align:center}}