:root{--ink:#13233a;--muted:#586b82;--navy:#102b50;--blue:#1774b8;--pale:#edf6fc;--cream:#fbf8f1;--line:#cbd9e7;--green:#087f5b;--red:#b42318;--white:#fff;--shadow:0 14px 36px rgba(16,43,80,.11)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.55}a{color:#075f9b;text-underline-offset:3px}img{display:block}.shell{width:min(1140px,calc(100% - 32px));margin:auto}.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.header-inner{min-height:72px;display:flex;align-items:center;gap:22px}.brand{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:850;text-decoration:none;white-space:nowrap}.brand img{border-radius:10px}.nav{display:flex;gap:18px;align-items:center;margin-left:auto}.nav a{color:#334a63;font-weight:700;text-decoration:none;font-size:.94rem}.nav a[aria-current="page"]{color:var(--blue)}.header-actions{display:flex;gap:8px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:9px 17px;border:1px solid var(--line);border-radius:12px;background:#fff;color:var(--navy);font-weight:800;text-decoration:none}.button.primary{background:var(--navy);border-color:var(--navy);color:#fff}.mobile-nav{display:none;margin-left:auto}.mobile-nav summary{cursor:pointer;list-style:none;font-weight:800;padding:10px}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-nav nav{position:absolute;right:16px;top:64px;width:min(300px,calc(100vw - 32px));background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px;box-shadow:var(--shadow)}.mobile-nav a{display:block;padding:10px;border-radius:8px;font-weight:700;text-decoration:none}.hero{background:linear-gradient(135deg,#e7f4fc 0%,#fff 58%,#f1ebff 100%);border-bottom:1px solid var(--line);padding:54px 0 48px}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center}.eyebrow{display:inline-block;color:#087f5b;font-weight:850;letter-spacing:.08em;text-transform:uppercase;font-size:.78rem}.hero h1{font-size:clamp(2.25rem,5vw,4.2rem);line-height:1.02;letter-spacing:-.045em;margin:12px 0 18px;max-width:780px}.lede{font-size:1.18rem;color:var(--muted);max-width:720px}.trust-list{display:flex;flex-wrap:wrap;gap:9px;padding:0;margin:23px 0 0;list-style:none}.trust-list li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 12px;font-size:.9rem;font-weight:750}.hero-note{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:var(--shadow)}.hero-note strong{display:block;font-size:1.3rem;margin-bottom:8px}.hero-note p{margin:0;color:var(--muted)}main{padding-bottom:72px}.calculator-section{padding:42px 0 26px}.section-title{max-width:760px;margin-bottom:22px}.section-title h2,.content h2{font-size:clamp(1.65rem,3vw,2.4rem);line-height:1.15;margin:6px 0 10px}.section-title p{color:var(--muted);margin:0}.calculator{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(310px,.75fr);gap:24px;align-items:start}.calculator-form,.results{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:var(--shadow)}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px}.field{display:grid;gap:6px}.field label{font-weight:780}.field small{color:var(--muted);line-height:1.3}.money-input{position:relative}.money-input span{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700}.money-input input{padding-left:30px}input,select{width:100%;min-height:48px;border:1px solid #aebfd0;border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:16px;padding:10px 12px}input:focus,select:focus{outline:3px solid rgba(23,116,184,.2);border-color:var(--blue)}.form-note{margin:18px 0 0;padding:12px 14px;background:var(--pale);border-radius:10px;color:#435a70;font-size:.9rem}.results{position:sticky;top:94px}.results h2{margin:0 0 6px;font-size:1.3rem}.results>p{color:var(--muted);margin:0 0 16px}.result-main{background:var(--navy);color:#fff;border-radius:14px;padding:19px;margin-bottom:13px}.result-main span{display:block;color:#cfe5fa}.result-main strong{display:block;font-size:2.15rem;line-height:1.1;margin-top:4px}.result-main strong.negative{color:#ffd1cd}.result-list{margin:0}.result-row{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid #e1e8ef}.result-row dt{color:var(--muted)}.result-row dd{margin:0;font-weight:820;text-align:right}.result-row.total{font-size:1.08rem}.result-row.total dt,.result-row.total dd{color:var(--ink);font-weight:850}.content{padding:40px 0}.content.alt{background:#edf5fa;border-block:1px solid var(--line)}.prose{max-width:850px}.prose p,.prose li{color:#40556d}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:22px}.card{background:#fff;border:1px solid var(--line);border-radius:15px;padding:20px}.card h3{margin:0 0 6px;font-size:1.1rem}.card p{margin:0}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:14px;background:#fff;margin-top:20px}table{width:100%;border-collapse:collapse;min-width:690px}th,td{text-align:left;padding:13px 15px;border-bottom:1px solid #e0e7ee}th{background:#f2f7fb;color:#324c66}tr:last-child td{border-bottom:0}.faq{display:grid;gap:12px;margin-top:22px}.faq details{background:#fff;border:1px solid var(--line);border-radius:13px;padding:0 18px}.faq summary{cursor:pointer;font-weight:820;padding:17px 0}.faq p{margin:0 0 17px}.source-note{font-size:.92rem;color:var(--muted)}.cta{display:flex;justify-content:space-between;align-items:center;gap:24px;background:linear-gradient(135deg,var(--navy),#39437b);color:#fff;border-radius:22px;padding:29px}.cta h2{margin:0 0 6px}.cta p{margin:0;color:#d5e2f1}.cta .button{flex:none}.footer{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:28px 0;color:var(--muted);font-size:.92rem}.footer nav{display:flex;gap:16px;flex-wrap:wrap}.footer a{color:#344c65}
@media (max-width:900px){.desktop-nav,.header-actions{display:none}.mobile-nav{display:block}.hero-grid{grid-template-columns:1fr}.hero-note{display:none}.calculator{grid-template-columns:1fr}.results{position:static}.cards{grid-template-columns:1fr}.nav{margin:0}}
@media (max-width:720px){.shell{width:min(100% - 24px,1140px)}.header-inner{min-height:64px}.brand span{font-size:.95rem}.hero{padding:34px 0}.hero h1{font-size:2.35rem}.lede{font-size:1.02rem}.calculator-section{padding-top:28px}.calculator-form,.results{padding:17px;border-radius:15px}.field-grid{grid-template-columns:1fr}.result-main strong{font-size:1.9rem}.content{padding:31px 0}.content h2{font-size:1.65rem}.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}.cta{align-items:flex-start;flex-direction:column;padding:22px}.cta .button{width:100%}.footer{align-items:flex-start;flex-direction:column}.footer nav{gap:10px 16px}.trust-list{gap:7px}.trust-list li{font-size:.82rem}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}