:root{--ink:#071827;--navy:#081d32;--muted:#40536a;--line:#d8e2eb;--soft:#f4f8fb;--lime:#c8ff4a;--amber:#fff7e0;--error:#8a1c1c;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--white);color:var(--ink);font:16px/1.55 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:#084d7b}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #0b76b7;outline-offset:3px}.wrap{width:min(100% - 40px,1140px);margin:auto}.eyebrow{font:700 .78rem/1.2 ui-monospace,SFMono-Regular,Menlo,monospace;letter-spacing:.08em;text-transform:uppercase;color:#31516c}.site-header{border-bottom:1px solid var(--line);position:sticky;top:0;background:#fffd;backdrop-filter:blur(10px);z-index:2}.bar{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-weight:800;font-size:1.15rem}.nav{display:flex;gap:20px;align-items:center}.nav a{text-decoration:none;color:var(--ink);font-weight:650}.button{border:0;border-radius:8px;padding:12px 17px;background:var(--lime);color:var(--ink);font-weight:750;font-size:1rem;display:inline-block;text-decoration:none}.button[disabled]{background:#dce4e9;color:#536575;cursor:not-allowed}.hero{padding:78px 0 68px;background:linear-gradient(125deg,#f4f8fb,#fff 55%,#effed3)}.hero-grid,.calc-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:start}h1{font-size:clamp(2.45rem,5vw,4.5rem);letter-spacing:-.055em;line-height:1.02;margin:.35rem 0 1.1rem;max-width:800px}h2{font-size:clamp(1.8rem,3vw,2.7rem);line-height:1.12;letter-spacing:-.03em;margin:0 0 16px}h3{margin:0 0 8px;font-size:1.1rem}.lead{font-size:1.16rem;max-width:680px;color:#243c52}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 12px}.helper,.source-note{font-size:.9rem;color:var(--muted)}.trust-line{border-left:4px solid var(--lime);padding:12px 16px;background:#fff;margin-top:24px;font-weight:600}.workflow-diagram,.card,.panel{border:1px solid var(--line);border-radius:14px;background:#fff;padding:22px;box-shadow:0 8px 26px #0718270b}.workflow-diagram{background:var(--navy);color:#fff}.flow-step{padding:14px;border:1px solid #6c859b;border-radius:9px;margin:10px 0}.arrow{text-align:center;color:var(--lime)}section{padding:70px 0}.soft{background:var(--soft)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card p{margin:0}.source-note{margin:18px 0 0}.calc-grid{margin-top:28px}.calculator-form{display:grid;gap:18px}.fieldset{border:1px solid var(--line);border-radius:12px;padding:18px;margin:0}.fieldset legend{font-weight:800;padding:0 5px}.radio-row{display:flex;gap:12px;flex-wrap:wrap;margin:10px 0}.radio-row label{border:1px solid var(--line);border-radius:8px;padding:9px 12px;min-height:44px;display:flex;align-items:center;gap:7px}.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.field label{font-weight:700;display:block}.field input{font:inherit;width:100%;border:1px solid #738699;border-radius:7px;padding:10px;min-height:44px;margin-top:5px}.field input[aria-invalid=true]{border:2px solid var(--error)}.error{color:var(--error);font-size:.88rem;min-height:1.25em;margin:4px 0 0}.notice{border:1px solid #a26b00;border-radius:10px;background:var(--amber);padding:14px;margin:0}.guard{font-size:.93rem}.guard ul{padding-left:20px}.results{position:sticky;top:86px}.result-list{margin:18px 0;padding:0;list-style:none}.result-list li{border-top:1px solid var(--line);padding:12px 0;display:grid;gap:2px}.result-list strong{font-size:1.25rem}.locked{color:var(--muted)}.error-summary{border:2px solid var(--error);padding:14px;background:#fff4f4;border-radius:10px}.hidden{display:none!important}details{margin-top:18px;border-top:1px solid var(--line);padding-top:14px}summary{font-weight:750;cursor:pointer}.cta{background:var(--navy);color:#fff}.cta .button[disabled]{margin-top:12px}.sources li{margin:8px 0;overflow-wrap:anywhere}.footer{background:var(--navy);color:#fff;padding:36px 0}.footer p{color:#deebf4}@media(max-width:767px){.wrap{width:min(100% - 28px,1140px)}.bar{align-items:flex-start;padding:14px 0}.nav{gap:10px;flex-wrap:wrap}.nav a{font-size:.9rem}.nav .button{display:none}.hero,section{padding:46px 0}.hero-grid,.calc-grid,.cards{grid-template-columns:1fr}.fields{grid-template-columns:1fr}.results{position:static}h1{font-size:2.55rem}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}