:root{--navy:#243b53;--deep:#172a3b;--blue:#4f7fa3;--sky:#dcecf5;--yellow:#ffce6a;--red:#df665b;--paper:#fffef9;--cream:#f2efe7;--ink:#253542;--muted:#74818a;--line:#d8d9d4;--shadow:0 24px 70px rgba(31,53,70,.14)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--cream);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.55;-webkit-font-smoothing:antialiased}a{color:inherit;text-underline-offset:3px}button,input,select{font:inherit}.icon{width:1.2em;height:1.2em;flex:none}.shell{width:min(1160px,calc(100% - 44px));margin:auto}.narrow{width:min(850px,calc(100% - 44px))}.skip-link{position:fixed;z-index:99;top:0;left:10px;padding:10px;color:var(--deep);background:var(--yellow);clip-path:inset(100%)}.skip-link:focus{top:10px;clip-path:none}
.site-header{color:white;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.13)}.header-inner{min-height:79px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:flex;align-items:center;gap:10px;color:white;text-decoration:none}.brand-icon{width:41px;height:41px;display:grid;place-items:center;color:var(--deep);background:var(--yellow);border-radius:50%}.brand-icon .icon{width:24px;height:24px}.brand>span:last-child{display:grid;line-height:1.03}.brand strong{font-size:13px}.brand b{color:var(--yellow);font-size:9px;letter-spacing:.18em;text-transform:uppercase}.site-header nav{display:flex;gap:30px}.site-header nav a{color:#aebdca;font-size:12px;font-weight:780;text-decoration:none}.site-header nav a:hover,.site-header nav a[aria-current=page]{color:var(--yellow)}.head-link{display:flex;align-items:center;gap:8px;color:var(--yellow);font-size:12px;font-weight:850}
.hero{overflow:hidden;color:white;background:radial-gradient(circle at 8% 88%,rgba(255,206,106,.1) 0 135px,transparent 137px),linear-gradient(112deg,var(--navy) 0 69%,#304f67 69%)}.hero-grid{min-height:630px;display:grid;grid-template-columns:1fr .97fr;align-items:center;gap:78px;padding-block:70px 78px}.eyebrow,.chapter{margin:0 0 14px;color:var(--yellow);font-size:9px;font-weight:900;letter-spacing:.17em;text-transform:uppercase}.eyebrow.blue,.chapter{color:#4e7895}h1,h2,h3,p{margin-top:0}.hero h1,.subhero h1,.not-found h1{margin-bottom:25px;font:500 clamp(55px,6.7vw,86px)/.94 Georgia,serif;letter-spacing:-.055em}.hero h1 em,.subhero h1 em{color:var(--yellow);font-style:italic}.hero-copy>p:not(.eyebrow){max-width:570px;margin-bottom:29px;color:#d0dbe2;font-size:18px}.button{display:inline-flex;min-height:51px;align-items:center;gap:9px;padding:12px 22px;color:var(--deep);background:var(--yellow);box-shadow:8px 8px 0 var(--red);text-decoration:none;font-size:13px;font-weight:900}.current-value{display:flex;align-items:center;gap:13px;margin-top:38px}.current-value strong{color:var(--yellow);font:500 26px Georgia,serif}.current-value span{color:#a6bac7;font-size:8px}
.notice-card{position:relative;padding:29px;color:var(--ink);background:var(--paper);box-shadow:13px 13px 0 var(--red);transform:rotate(.7deg)}.notice-top{display:flex;justify-content:space-between;padding-bottom:14px;border-bottom:2px solid var(--navy);font-size:8px;font-weight:900;letter-spacing:.12em}.notice-top b{color:var(--red)}.notice-card>p{margin:24px 0 12px;color:var(--muted);font-size:8px;text-transform:uppercase}.notice-formula{display:grid;grid-template-columns:repeat(7,auto);align-items:center;justify-content:space-between;gap:5px}.notice-formula article{display:grid;text-align:center}.notice-formula b{font:600 16px Georgia,serif}.notice-formula small{color:var(--muted);font-size:6px}.notice-formula>i{color:#9aa5ac;font-style:normal}.notice-total{display:flex;justify-content:space-between;align-items:end;margin-top:27px;padding:18px;background:var(--sky)}.notice-total span{font-size:7px;font-weight:900}.notice-total strong{font:500 26px Georgia,serif}.stamp{position:absolute;right:-25px;bottom:-38px;width:91px;height:91px;display:grid;place-content:center;color:#994a43;background:var(--yellow);border:3px double #b4554d;border-radius:50%;font-size:9px;font-weight:900;line-height:1.05;letter-spacing:.1em;text-align:center;transform:rotate(-9deg)}.stamp small{font-size:15px}.trust-row{min-height:88px;display:grid;grid-template-columns:repeat(3,1fr);align-items:center;gap:20px}.trust-row span{display:flex;align-items:center;gap:8px;color:#a8bbc8;font-size:9px}.trust-row b{color:white}.trust-row .icon{color:var(--yellow)}
.calculator-wrap{padding:105px 0 115px}.section-heading{display:grid;grid-template-columns:1.15fr .85fr;align-items:end;gap:70px;margin-bottom:43px}.section-heading h2{margin:0;font:500 clamp(42px,5vw,63px)/1 Georgia,serif;letter-spacing:-.05em}.section-heading>p{max-width:460px;margin:0;color:var(--muted);font-size:14px}.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.input-panel,.result-panel{padding:31px;background:var(--paper);border:1px solid var(--line);box-shadow:var(--shadow)}.panel-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:26px}.panel-head span{color:#527c99;font-size:8px;font-weight:900;letter-spacing:.14em}.panel-head b{font-size:17px}.field-pair{display:grid;grid-template-columns:1fr 1fr;gap:11px}.field{display:grid;gap:7px;margin-bottom:18px}.field>span{color:var(--muted);font-size:9px;font-weight:780}.field>small{color:#98a2a8;font-size:7px}.field input,.field select,.money-input{width:100%;min-height:53px;color:var(--ink);background:#edf2f4;border:1px solid #d7e0e4;border-radius:4px;outline:0}.field input,.field select{padding:0 12px;font-size:11px;font-weight:750}.money-input{display:flex;align-items:center;padding:0 12px}.money-input input{min-width:0;border:0;background:transparent;font-size:17px}.money-input b{color:var(--blue);font-size:10px}.field input:focus,.field select:focus,.money-input:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(79,127,163,.12)}.form-error{min-height:18px;margin:2px 0;color:#ac4037;font-size:9px;font-weight:800}.local-note{display:flex;gap:7px;margin:13px 0 0;color:var(--muted);font-size:8px}.result-panel{color:white;background:var(--navy);border-color:var(--navy)}.panel-head.dark span{color:var(--yellow)}.main-result{display:grid;padding-bottom:23px;border-bottom:1px solid rgba(255,255,255,.14)}.main-result span{color:#aec0cc;font-size:8px}.main-result strong{margin:3px 0;color:var(--yellow);font:500 47px Georgia,serif}.main-result small{color:#a2b5c1}.result-list{margin:14px 0}.result-list>div{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.12)}.result-list dt{display:grid;grid-template-columns:auto 1fr;align-items:center;gap:0 9px;font-size:10px}.result-list dt i{grid-row:1/3;width:28px;height:28px;display:grid;place-items:center;color:var(--deep);background:var(--yellow);border-radius:50%;font-style:normal;font-weight:900}.result-list dt small{color:#94a8b5;font-size:7px}.result-list dd{margin:0;font-weight:850}.result-note{display:flex;gap:8px;margin:15px 0 0;padding:13px;color:#644e26;background:#fff0ba;font-size:8px}
.formula-panel{margin-top:20px;padding:31px;background:var(--paper);border:1px solid var(--line)}.formula-panel header{display:flex;justify-content:space-between;align-items:end}.formula-panel header h2{margin:0;font:500 32px Georgia,serif}.formula-panel header>strong{color:var(--red);font:500 31px Georgia,serif}.formula-flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;align-items:stretch;gap:8px;margin:31px 0 22px}.formula-flow article{display:grid;padding:15px;background:#edf2f4}.formula-flow small{color:var(--muted);font-size:7px}.formula-flow b{font:600 18px Georgia,serif}.formula-flow>i{align-self:center;color:#718691;font-style:normal}.comparison{display:grid;grid-template-columns:1fr auto 1fr auto;align-items:center;gap:18px;padding-top:19px;border-top:1px solid var(--line)}.comparison span{display:grid}.comparison b{font-size:9px}.comparison small{color:var(--muted);font-size:7px}.comparison strong{color:var(--blue);font-size:11px}
.explain{padding:105px 0 115px;color:white;background:var(--deep)}.section-heading.inverse h2{color:white}.section-heading.inverse>a{display:flex;align-items:center;gap:8px;color:var(--yellow);font-size:12px;font-weight:850}.explain-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.explain-grid article{min-height:235px;padding:27px;background:#20384b;border:1px solid #365268}.explain-grid article>span{color:var(--yellow);font-size:9px}.explain-grid h3{margin:65px 0 9px;font:500 23px Georgia,serif}.explain-grid p{color:#9db0bc;font-size:10px}
.subhero{padding:100px 0 95px;color:white;background:var(--navy)}.subhero.compact{padding-block:72px}.subhero>div>p:last-child{color:#c4d2da;font-size:18px}.prose{max-width:870px;padding-block:85px 115px}.prose section{margin-bottom:70px}.prose h2,.legal h2{margin-bottom:17px;font:500 40px/1.08 Georgia,serif;letter-spacing:-.04em}.prose p,.prose li,.legal p{color:var(--muted);font-size:17px;line-height:1.75}.formula-box{display:grid;grid-template-columns:repeat(7,auto);align-items:center;gap:9px;margin:25px 0;padding:22px;color:white;background:var(--navy);text-align:center}.formula-box i{color:#aebdc7}.formula-box span{color:var(--yellow)}.sources{padding:29px;background:#e5edf1}.sources li{font-size:13px}.sources a,.legal a{color:#456f8d;font-weight:750}.faq-list{max-width:900px;padding-block:75px 110px}.faq-list details{border-top:1px solid var(--line);background:var(--paper)}.faq-list summary{position:relative;padding:24px 52px 24px 6px;cursor:pointer;list-style:none;font:500 23px Georgia,serif}.faq-list summary:after{position:absolute;right:15px;color:var(--red);content:"+"}.faq-list details[open] summary:after{content:"−"}.faq-list details>div{max-width:760px;padding:0 52px 25px 6px;color:var(--muted)}.legal{max-width:800px;padding-block:80px 110px}.legal section{margin-bottom:44px}.legal h2{font-size:29px}.legal p{font-size:16px}.not-found{min-height:620px;display:grid;place-items:center;padding:80px 0;color:white;background:var(--navy);text-align:center}.not-found span{color:var(--yellow);font-size:9px}.not-found h1{margin-top:16px}
.site-footer{color:#a0afba;background:#0b1721}.footer-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr;gap:70px;padding-block:65px 50px}.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:8px}.footer-grid p{margin:10px 0 0;color:#536572;font-size:11px}.footer-grid>div>b{color:var(--yellow);font-size:9px}.footer-grid a:not(.brand){font-size:11px;text-decoration:none}.footer-bottom{display:flex;justify-content:space-between;padding-block:18px;color:#4f606c;border-top:1px solid #21313d;font-size:9px}
@media(max-width:720px){.shell,.narrow{width:min(100% - 30px,1160px)}.header-inner{min-height:68px}.site-header nav{display:none}.head-link{font-size:0}.hero-grid{min-height:auto;grid-template-columns:1fr;gap:48px;padding-block:55px 70px}.hero h1,.subhero h1{font-size:49px}.hero-copy>p:not(.eyebrow){font-size:16px}.notice-card{padding:22px;box-shadow:8px 8px 0 var(--red)}.stamp{right:-3px}.notice-formula{grid-template-columns:1fr}.notice-formula>i{text-align:center}.trust-row{grid-template-columns:1fr;gap:9px;padding-block:20px}.calculator-wrap{padding-block:72px 82px}.section-heading{grid-template-columns:1fr;gap:17px}.section-heading h2{font-size:43px}.calculator-grid{grid-template-columns:1fr}.input-panel,.result-panel,.formula-panel{padding:23px}.field-pair{grid-template-columns:1fr}.formula-panel header{align-items:flex-start;flex-direction:column}.formula-flow{grid-template-columns:1fr}.formula-flow>i{text-align:center}.comparison{grid-template-columns:1fr}.explain{padding-block:75px 82px}.explain-grid{grid-template-columns:1fr}.subhero{padding-block:70px}.prose{padding-block:65px 90px}.prose h2{font-size:34px}.formula-box{grid-template-columns:1fr}.faq-list{padding-block:55px 80px}.footer-grid{grid-template-columns:1fr 1fr;gap:38px 25px}.footer-grid>div:first-child{grid-column:1/-1}}
@media(max-width:420px){.hero h1,.subhero h1{font-size:43px}.notice-total{align-items:flex-start;flex-direction:column;gap:5px}.main-result strong{font-size:39px}.footer-bottom{flex-direction:column;gap:5px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}