:root{--navy:#0b1f3a;--navy2:#142e50;--red:#c62828;--red-dark:#a91e24;--ink:#182230;--muted:#647184;--line:#d9e0e8;--paper:#f4f7fa;--white:#fff;--teal:#177c78;--pale:#eaf5f4;--gold:#fff5d9;--shadow:0 12px 36px rgba(11,31,58,.09);--radius:18px}
    *{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.55 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif}a{color:#155b92;text-underline-offset:3px}button,input,select{font:inherit}button{cursor:pointer}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #e2aa25;outline-offset:2px}.skip{position:absolute;left:-10000px;top:auto;background:#fff;padding:10px;z-index:100}.skip:focus{left:10px;top:10px}
    .site-header{background:var(--navy);color:#fff;border-bottom:4px solid var(--red)}.header-inner{max-width:1220px;margin:auto;padding:13px 22px;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none;flex:0 0 auto}.brand-mark{height:45px;width:45px;border-radius:12px;border:1px solid #ffffff65;background:linear-gradient(145deg,#fff2,#fff0);display:grid;place-items:center;font-weight:950;font-size:16px;letter-spacing:-1px;box-shadow:inset 0 -3px 0 var(--red)}.brand-copy strong{display:block;font-size:20px;line-height:1.08;letter-spacing:.1px}.brand-copy span{display:block;color:#d4deea;font-size:11px;margin-top:4px}.main-nav{display:flex;align-items:center;gap:5px}.main-nav>a,.navdrop>summary{list-style:none;color:#f4f7fb;text-decoration:none;font-size:13px;font-weight:750;padding:9px 10px;border-radius:8px;white-space:nowrap;cursor:pointer}.navdrop>summary::-webkit-details-marker{display:none}.navdrop>summary:after{content:"";display:inline-block;margin-left:7px;vertical-align:3px;border:4px solid transparent;border-top-color:#fff}.main-nav>a:hover,.navdrop>summary:hover{background:#ffffff16}.navdrop{position:relative}.nav-menu{position:absolute;z-index:20;top:calc(100% + 6px);left:0;min-width:210px;padding:7px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);display:grid}.nav-menu a{padding:9px 10px;text-decoration:none;color:var(--ink);border-radius:7px;font-size:13px}.nav-menu a:hover{background:#f0f4f8}
    .hero{color:#fff;background:radial-gradient(circle at 85% 8%,#c6282840,transparent 31%),linear-gradient(125deg,var(--navy),#122b49 70%,#1b3d63);padding:54px 22px 58px}.hero-inner{max-width:1176px;margin:auto;display:grid;grid-template-columns:minmax(0,1.5fr) minmax(250px,.7fr);gap:38px;align-items:center}.eyebrow{font-weight:850;color:#ffd8d8;text-transform:uppercase;font-size:12px;letter-spacing:.13em}.hero h1{font-size:clamp(2.35rem,5.5vw,4.4rem);letter-spacing:-.055em;line-height:1.02;margin:11px 0 16px;max-width:850px}.hero p{max-width:760px;color:#e5edf5;font-size:18px;margin:0 0 20px}.hero-actions{display:flex;gap:10px;flex-wrap:wrap}.btn{border:0;border-radius:10px;min-height:45px;padding:10px 16px;font-weight:850;display:inline-flex;align-items:center;justify-content:center;text-decoration:none}.btn-primary{background:var(--red);color:#fff}.btn-primary:hover{background:var(--red-dark)}.btn-quiet{border:1px solid #ffffff70;background:#ffffff0c;color:#fff}.btn-quiet:hover{background:#ffffff18}.hero-note{background:#ffffff0e;border:1px solid #ffffff25;border-radius:16px;padding:19px}.hero-note b{display:block;font-size:14px;margin-bottom:8px}.hero-note ul{padding-left:18px;margin:0;color:#e6edf5;font-size:13px}.hero-note li+li{margin-top:7px}
    .wrap{max-width:1220px;margin:0 auto;padding:0 22px}.intro{padding:31px 0 8px}.intro-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:26px;align-items:center}.intro h2{font-size:clamp(1.45rem,3vw,2rem);line-height:1.15;letter-spacing:-.025em;margin:0 0 9px;color:var(--navy)}.intro p{margin:0;color:#4d5b6c}.trust-note{border-left:4px solid var(--red);background:#fff;padding:13px 15px;border-radius:0 11px 11px 0;font-size:13px;color:#4e5b6c}
    .calculator{padding:22px 0 43px}.calc-grid{display:grid;grid-template-columns:minmax(330px,.88fr) minmax(0,1.12fr);align-items:start;gap:20px}.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}.panel-head{background:var(--navy);color:#fff;padding:17px 20px;border-bottom:3px solid var(--red)}.panel-head h2{font-size:19px;line-height:1.2;margin:0}.panel-head p{font-size:12px;color:#d1deea;margin:5px 0 0}.form-body{padding:18px 20px 20px}.fieldset{margin:0;padding:0;border:0}.fieldset+.fieldset{border-top:1px solid #e7ebf0;margin-top:16px;padding-top:15px}.fieldset legend{font-size:12px;color:var(--navy);font-weight:900;text-transform:uppercase;letter-spacing:.07em;margin-bottom:11px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field{margin:0 0 12px}.field label{display:block;font-size:12px;font-weight:800;margin:0 0 5px;color:#334155}.field small{display:block;color:#718096;font-size:10px;line-height:1.35;margin-top:4px}.control{position:relative}.prefix,.suffix{position:absolute;top:50%;transform:translateY(-50%);color:#637083;font-size:13px;pointer-events:none}.prefix{left:12px}.suffix{right:12px}.field input,.field select{width:100%;height:43px;border:1px solid #c7d0dc;border-radius:9px;background:#fff;padding:8px 11px;color:#1b2838}.field input.money{padding-left:25px}.field input.percent{padding-right:30px}.field input:focus,.field select:focus{border-color:var(--navy);box-shadow:0 0 0 3px #0b1f3a15;outline:none}.check-row{display:flex;align-items:flex-start;gap:9px;padding:10px 11px;background:#f6f8fa;border:1px solid #e1e6ec;border-radius:10px;margin:4px 0 11px}.check-row input{margin:4px 0 0;accent-color:var(--navy)}.check-row label{font-size:11px;font-weight:700}.check-row small{display:block;color:#6c7887;font-weight:450}.update{width:100%;margin-top:2px}.form-disclaimer{font-size:10px;color:#697689;margin:10px 0 0;line-height:1.4}
    .results{position:sticky;top:16px}.result-body{padding:18px 20px 20px}.alert{display:none;padding:10px 12px;border-radius:9px;background:#fff4d8;border:1px solid #eed994;color:#5b4812;font-size:12px;margin-bottom:12px}.alert.show{display:block}.loading{font-size:12px;color:#657284;background:#f6f8fa;padding:10px 12px;border-radius:9px;margin-bottom:12px}.loading[hidden]{display:none}.result-placeholder{padding:28px 15px;text-align:center;color:#667386;background:#f7f9fb;border:1px dashed #cbd4de;border-radius:14px}.result-placeholder strong{display:block;color:var(--navy);font-size:16px;margin-bottom:5px}.result-data[hidden],.result-placeholder[hidden]{display:none!important}.result-top{display:flex;justify-content:space-between;gap:12px;align-items:flex-start;margin-bottom:14px}.result-top h3{margin:0;color:var(--navy);font-size:13px}.result-top time{font-size:10px;color:#728094}.price-card{background:linear-gradient(135deg,#fff8e2,#fff);border:1px solid #ecd993;border-radius:15px;padding:16px;margin-bottom:12px}.price-label{font-size:11px;text-transform:uppercase;letter-spacing:.08em;font-weight:900;color:#64531e}.price-value{font-size:clamp(2.1rem,5vw,3.15rem);font-weight:950;letter-spacing:-.055em;line-height:1.1;margin:4px 0;color:var(--navy);font-variant-numeric:tabular-nums}.price-detail{font-size:11px;color:#5d6877}.metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px}.metric{border:1px solid var(--line);border-radius:11px;padding:11px;background:#fff;min-width:0}.metric .label{display:block;font-size:9px;color:#667386;text-transform:uppercase;letter-spacing:.06em;font-weight:850;line-height:1.35}.metric strong{display:block;color:var(--navy);font-size:17px;line-height:1.2;margin-top:5px;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}.metric small{display:block;color:#738093;font-size:9px;margin-top:3px;line-height:1.35}.ratio-card{margin-top:12px;padding:14px;border:1px solid var(--line);border-radius:12px}.ratio-head{display:flex;justify-content:space-between;gap:12px;font-size:11px;font-weight:850;margin-bottom:8px}.ratio-row{display:grid;grid-template-columns:42px 1fr 85px;gap:8px;align-items:center;font-size:10px;margin:7px 0}.ratio-track{height:8px;border-radius:999px;background:#e9edf1;overflow:hidden}.ratio-fill{height:100%;background:var(--teal);width:0;border-radius:inherit}.ratio-fill.warn{background:#c97c12}.ratio-value{text-align:right;font-variant-numeric:tabular-nums;font-weight:800}.result-actions{display:flex;gap:7px;flex-wrap:wrap;margin-top:13px}.result-actions .btn{font-size:11px;min-height:38px;padding:8px 11px}.btn-light{background:#edf2f7;color:var(--navy);border:1px solid #d9e1ea}.btn-light:hover{background:#e3eaf2}.result-method{margin-top:12px;color:#657284;font-size:10px;line-height:1.4}
    .section{padding:34px 0}.section h2{color:var(--navy);font-size:clamp(1.55rem,3vw,2.2rem);line-height:1.14;letter-spacing:-.03em;margin:0 0 10px}.section-lead{max-width:850px;color:#586679;margin:0 0 20px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.step{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;box-shadow:0 5px 18px #0b1f3a08}.step-num{font-size:10px;text-transform:uppercase;letter-spacing:.08em;color:var(--red);font-weight:950}.step h3{font-size:16px;color:var(--navy);margin:5px 0}.step p{font-size:13px;color:#5b687a;margin:0}.callout{padding:15px 17px;border-radius:12px;border-left:4px solid var(--red);background:#fff;margin:16px 0;color:#4c5868;font-size:13px}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px}.info-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px}.info-card h3{font-size:17px;color:var(--navy);margin:0 0 8px}.info-card p,.info-card li{font-size:13px;color:#566477}.info-card ul{padding-left:19px;margin:8px 0 0}.info-card li+li{margin-top:6px}.formula{background:var(--navy);color:#fff;border-radius:15px;padding:20px;margin:18px 0}.formula h3{margin:0 0 8px;font-size:17px}.formula p{margin:0;color:#dbe4ef;font-size:13px}.formula code{color:#fff;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;background:#ffffff16;padding:2px 5px;border-radius:4px}.faq{display:grid;gap:10px}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 15px}.faq summary{cursor:pointer;font-weight:850;color:var(--navy);padding:14px 22px 14px 0;position:relative}.faq summary:after{content:"+";position:absolute;right:2px;color:var(--red);font-size:18px;top:10px}.faq details[open] summary:after{content:"−"}.faq p{font-size:13px;color:#59677a;margin:0;padding:0 0 14px}.source-list{font-size:12px;color:#59677a}.source-list li+li{margin-top:8px}.source-list a{font-weight:700}.author{margin:30px 0 0;background:var(--navy);color:#fff;border-radius:16px;padding:20px;display:flex;align-items:center;justify-content:space-between;gap:18px}.author h2{color:#fff;font-size:20px;margin:0 0 5px}.author p{margin:0;color:#d9e3ee;font-size:12px}.author-actions{display:flex;gap:8px;flex-wrap:wrap}.footer{margin-top:25px;padding:23px 22px 90px;background:#08172b;color:#d7e0ea}.footer-inner{max-width:1176px;margin:auto;display:flex;justify-content:space-between;align-items:center;gap:18px}.footer a{color:#fff}.footer small{color:#aebdcd}.mobilebar{display:none}
    @media(max-width:980px){.main-nav>a,.navdrop>summary{padding:8px 7px;font-size:12px}.calc-grid{grid-template-columns:minmax(290px,.85fr) minmax(0,1.15fr);gap:14px}.header-inner{gap:12px}.brand-copy strong{font-size:18px}}
    @media(max-width:740px){body{font-size:15px}.header-inner{align-items:flex-start;flex-direction:column;padding:12px 16px;gap:10px}.main-nav{width:100%;overflow-x:auto;padding-bottom:2px}.main-nav>a,.navdrop>summary{font-size:12px}.hero{padding:38px 16px 40px}.hero-inner{grid-template-columns:1fr;gap:22px}.hero p{font-size:16px}.hero-note{max-width:none}.wrap{padding:0 16px}.intro{padding-top:24px}.intro-grid{grid-template-columns:1fr;gap:12px}.calc-grid{grid-template-columns:1fr}.results{position:static}.form-body,.result-body{padding:16px}.steps{grid-template-columns:1fr}.two-col{grid-template-columns:1fr}.author{align-items:flex-start;flex-direction:column}.footer-inner{align-items:flex-start;flex-direction:column}.footer{padding-bottom:95px}.mobilebar{position:fixed;z-index:50;left:0;right:0;bottom:0;display:grid;grid-template-columns:repeat(3,1fr);background:#07162a;border-top:2px solid var(--red);padding:6px max(7px,env(safe-area-inset-left)) calc(6px + env(safe-area-inset-bottom))}.mobilebar a{color:#fff;text-align:center;text-decoration:none;font-size:10px;font-weight:850;padding:7px 3px}.mobilebar span{display:block;font-size:16px;color:#ffbdbd;margin-bottom:2px}}
    @media(max-width:430px){.form-row{grid-template-columns:1fr;gap:0}.metrics{gap:7px}.metric{padding:9px}.metric strong{font-size:15px}.result-actions .btn{flex:1 1 42%}.price-value{font-size:2.3rem}.brand-copy span{max-width:280px}}
    @media print{body{background:#fff;font-size:11pt}.site-header,.main-nav,.hero-actions,.mobilebar,.footer,.form-body,.result-actions,.skip{display:none!important}.hero{padding:18px 0;background:#fff;color:#111;border-bottom:2px solid var(--navy)}.hero p,.hero-note,.eyebrow{color:#333}.hero-note{border:1px solid #ccc}.hero-inner{display:block}.hero h1{font-size:26pt;color:var(--navy)}.wrap{max-width:none;padding:0}.intro{padding:12px 0}.calculator{padding:0}.calc-grid{display:block}.panel{box-shadow:none;border:0}.panel-head{padding:10px;background:#fff;color:var(--navy);border-bottom:1px solid #333}.panel-head p{color:#333}.results{position:static}.result-body{padding:10px 0}.price-card,.metric,.ratio-card{break-inside:avoid}.result-placeholder,.alert,.loading{display:none!important}.section{padding:14px 0;break-inside:avoid}.section h2{font-size:17pt}.steps,.two-col{grid-template-columns:1fr 1fr}.author{background:#fff;color:#111;padding:12px;border:1px solid #aaa}.author h2,.author p{color:#111}.footer{display:block!important;background:#fff;color:#111;padding:8px 0}.footer-inner{display:block}.footer a{color:#111}a{color:#111;text-decoration:none}a[href^="http"]:after{content:" (" attr(href) ")";font-size:8pt;overflow-wrap:anywhere}}