*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
--ink:#0f172a;--ink2:#334155;--mut:#475569;--line:#e2e8f0;--line2:#cbd5e1;--bg:#f8fafc;--card:#fff;
--blue:#1d4ed8;--blue2:#2563eb;--blue50:#eff6ff;--blue100:#dbeafe;--navy:#0b1f4d;--navy2:#123072;
--or:#f97316;--ord:#c2410c;--or50:#fff7ed;--green:#15803d;
--r:16px;--sh:0 1px 2px rgba(15,23,42,.05),0 8px 24px -8px rgba(15,23,42,.12);
--sh2:0 2px 4px rgba(15,23,42,.06),0 24px 48px -16px rgba(15,23,42,.22);
--f:'Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;
color-scheme:light;
}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--f);background:var(--bg);color:var(--ink);line-height:1.65;font-size:16.5px;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--ord)}
:focus-visible{outline:3px solid var(--or);outline-offset:2px;border-radius:6px}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:8px}
/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);backdrop-filter:saturate(180%) blur(12px);-webkit-backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid transparent;transition:border-color .2s,box-shadow .2s}
.hdr.scrolled{border-color:var(--line);box-shadow:0 4px 20px -12px rgba(15,23,42,.25)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:66px}
.logo{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-weight:800;font-size:1.2rem;letter-spacing:-.02em}
.logo:hover{color:var(--ink)}
.logo-mark{width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--blue2),var(--navy));display:grid;place-items:center;box-shadow:0 6px 14px -6px rgba(29,78,216,.7)}
.logo b{color:var(--or);font-weight:800}
.nav{display:flex;align-items:center;gap:4px}
.nav a{color:var(--ink2);text-decoration:none;font-weight:600;font-size:.93rem;padding:9px 13px;border-radius:10px;transition:background .2s,color .2s}
.nav a:hover{background:var(--blue50);color:var(--blue)}
.nav .cta{background:var(--ink);color:#fff;margin-left:6px}
.nav .cta:hover{background:var(--blue);color:#fff}
.mnav{display:none;position:relative}
.mnav summary{list-style:none;cursor:pointer;width:44px;height:44px;border-radius:12px;display:grid;place-items:center;border:1px solid var(--line)}
.mnav summary::-webkit-details-marker{display:none}
.mnav[open] summary{background:var(--blue50)}
.mnav .panel{position:absolute;right:0;top:54px;width:min(300px,calc(100vw - 32px));background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--sh2);padding:8px;display:grid}
.mnav .panel a{padding:12px 14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:600}
.mnav .panel a:hover{background:var(--blue50)}
@media(max-width:820px){.nav{display:none}.mnav{display:block}}
/* hero (home) */
.hero{position:relative;overflow:hidden;background:radial-gradient(1200px 500px at 80% -10%,#1e40af 0%,transparent 60%),linear-gradient(160deg,var(--navy) 0%,#0a1840 100%);color:#fff;padding:76px 0 96px}
.grid-bg{position:absolute;inset:-60px;background-image:linear-gradient(rgba(147,197,253,.10) 1px,transparent 1px),linear-gradient(90deg,rgba(147,197,253,.10) 1px,transparent 1px),linear-gradient(rgba(147,197,253,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(147,197,253,.05) 1px,transparent 1px);background-size:60px 60px,60px 60px,12px 12px,12px 12px;animation:drift 40s linear infinite;mask-image:radial-gradient(ellipse at 70% 40%,#000 30%,transparent 75%);-webkit-mask-image:radial-gradient(ellipse at 70% 40%,#000 30%,transparent 75%)}
@keyframes drift{to{transform:translate(60px,60px)}}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#bfdbfe;background:rgba(191,219,254,.1);border:1px solid rgba(191,219,254,.22);padding:7px 14px;border-radius:99px}
.eyebrow i{width:7px;height:7px;border-radius:50%;background:var(--or);box-shadow:0 0 0 4px rgba(249,115,22,.25)}
.hero h1{font-size:clamp(2.3rem,5.4vw,3.9rem);line-height:1.04;letter-spacing:-.035em;font-weight:800;margin:20px 0 18px}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,#fdba74,var(--or));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lead{color:#cbd5e1;font-size:1.13rem;max-width:540px}
.search{margin-top:30px;position:relative;max-width:520px}
.search input{width:100%;height:58px;border-radius:16px;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.97);padding:0 20px 0 52px;font:inherit;font-size:1.02rem;color:var(--ink);box-shadow:0 20px 40px -18px rgba(0,0,0,.6)}
.search input:focus{outline:3px solid var(--or);outline-offset:2px}
.search svg{position:absolute;left:18px;top:50%;transform:translateY(-50%);color:var(--mut)}
.quick{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.quick a{color:#e2e8f0;font-size:.86rem;font-weight:600;text-decoration:none;padding:7px 13px;border-radius:99px;border:1px solid rgba(255,255,255,.18);transition:background .2s,border-color .2s}
.quick a:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.35);color:#fff}
.hero-art{position:relative;aspect-ratio:1/0.86}
.hero-art svg.house{width:100%;height:100%}
.draw path,.draw line,.draw rect,.draw polyline{stroke-dasharray:1;stroke-dashoffset:1;animation:draw 1.8s cubic-bezier(.65,0,.35,1) forwards}
.draw .d2{animation-delay:.5s}.draw .d3{animation-delay:.9s;animation-duration:1s}.draw .d4{animation-delay:1.3s;animation-duration:.8s}
@keyframes draw{to{stroke-dashoffset:0}}
.fade-in{opacity:0;animation:fin .6s ease forwards;animation-delay:1.6s}
@keyframes fin{to{opacity:1}}
.chip{position:absolute;background:#fff;color:var(--ink);border-radius:16px;padding:14px 18px;box-shadow:var(--sh2);opacity:0;animation:rise .7s cubic-bezier(.2,.8,.2,1) forwards,bob 6s ease-in-out 1.6s infinite}
.chip small{display:block;font-size:.72rem;color:var(--mut);font-weight:700;text-transform:uppercase;letter-spacing:.06em}
.chip strong{font-size:1.45rem;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.chip .ok{color:var(--green);font-size:.78rem;font-weight:700}
.chip.c1{left:-4%;bottom:10%;animation-delay:1.1s,1.8s}
.chip.c2{right:-2%;top:6%;animation-delay:1.4s,2.4s}
@keyframes rise{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
@keyframes bob{0%,100%{translate:0 0}50%{translate:0 -8px}}
/* page hero (inner pages) */
.phero{position:relative;overflow:hidden;background:linear-gradient(160deg,var(--navy) 0%,#0a1840 100%);color:#fff;padding:34px 0 120px}
.phero .grid-bg{opacity:.8}
.phero .wrap{position:relative}
.phero.short{padding-bottom:56px}
.crumbs{font-size:.84rem;color:#93c5fd;display:flex;flex-wrap:wrap;gap:6px;align-items:center;margin-bottom:18px}
.crumbs a{color:#bfdbfe;text-decoration:none}.crumbs a:hover{color:#fff;text-decoration:underline}
.crumbs span[aria-hidden]{opacity:.5}
.phero h1{font-size:clamp(2rem,4.4vw,3rem);letter-spacing:-.03em;line-height:1.08;font-weight:800;max-width:820px}
.phero .lead{color:#cbd5e1;font-size:1.08rem;max-width:720px;margin-top:14px}
.meta{display:flex;flex-wrap:wrap;gap:16px;margin-top:18px;font-size:.84rem;color:#93c5fd}
.meta span{display:inline-flex;align-items:center;gap:6px}
/* calculator layout */
.calc-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:24px;margin-top:-88px;position:relative;z-index:2;align-items:start}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh)}
.calc{padding:26px}
.calc h2{font-size:1.1rem;font-weight:800;display:flex;align-items:center;gap:10px;margin-bottom:6px}
.calc .hint{color:var(--mut);font-size:.9rem;margin-bottom:14px}
.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 16px}
.f{display:flex;flex-direction:column;gap:6px;min-width:0}
.f.full{grid-column:1/-1}
.f[hidden]{display:none}
.f label{font-size:.86rem;font-weight:700;color:var(--ink2)}
.inp{position:relative}
.inp input,.inp select{width:100%;height:50px;border:1.5px solid var(--line2);border-radius:12px;background:#fff;font:inherit;font-size:1rem;color:var(--ink);padding:0 14px;transition:border-color .15s,box-shadow .15s;appearance:none;-webkit-appearance:none}
.inp select{padding-right:38px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='18' height='18' fill='none' stroke='%23475569' stroke-width='2' viewBox='0 0 24 24'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;cursor:pointer}
.inp input:hover,.inp select:hover{border-color:#94a3b8}
.inp input:focus,.inp select:focus{outline:none;border-color:var(--blue2);box-shadow:0 0 0 4px rgba(37,99,235,.15)}
.inp .u{position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--mut);font-size:.88rem;font-weight:600;pointer-events:none}
.inp.has-u input{padding-right:58px}
.inp.pre input{padding-left:28px}
.inp .pf{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--mut);font-weight:600;pointer-events:none}
input[type=number]{-moz-appearance:textfield}
input::-webkit-outer-spin-button,input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.chk{display:flex;align-items:center;gap:10px;min-height:50px;font-weight:600;font-size:.95rem;color:var(--ink2);cursor:pointer}
.chk input{width:22px;height:22px;accent-color:var(--blue)}
.more{margin-top:16px;border:1.5px dashed var(--line2);border-radius:14px;transition:border-color .2s,background .2s}
.more:hover{border-color:#93c5fd}
.more[open]{border-style:solid;border-color:var(--line);background:var(--bg)}
.more summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:10px;flex-wrap:wrap;padding:14px 44px 14px 16px;position:relative;min-height:50px}
.more summary::-webkit-details-marker{display:none}
.more summary::after{content:"";position:absolute;right:18px;top:50%;width:9px;height:9px;border-right:2px solid var(--blue);border-bottom:2px solid var(--blue);transform:translateY(-70%) rotate(45deg);transition:transform .25s}
.more[open] summary::after{transform:translateY(-30%) rotate(225deg)}
.more-t{font-weight:800;color:var(--blue);font-size:.95rem}
.more-s{font-size:.84rem;color:var(--mut)}
.more .fields{padding:4px 16px 16px;animation:popin .3s ease}
.actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:50px;padding:0 22px;border-radius:12px;border:0;font:inherit;font-weight:700;font-size:.98rem;cursor:pointer;text-decoration:none;transition:transform .12s,background .2s,box-shadow .2s}
.btn:active{transform:translateY(1px) scale(.99)}
.btn-p{background:var(--blue);color:#fff;box-shadow:0 10px 20px -10px rgba(29,78,216,.8)}
.btn-p:hover{background:var(--navy2);color:#fff}
.btn-g{background:#fff;color:var(--ink);border:1.5px solid var(--line2)}
.btn-g:hover{border-color:var(--ink);color:var(--ink)}
.btn-o{background:var(--or);color:#1c0a00}
.btn-o:hover{background:#fb923c;color:#1c0a00}
/* result */
.result-card{position:sticky;top:84px;overflow:hidden}
.result-card .rh{display:flex;align-items:center;justify-content:space-between;padding:16px 22px;background:linear-gradient(90deg,var(--blue50),#fff);border-bottom:1px solid var(--line);font-weight:800;font-size:.95rem}
.live{display:inline-flex;align-items:center;gap:6px;font-size:.74rem;font-weight:700;color:var(--green);text-transform:uppercase;letter-spacing:.06em}
.live i{width:7px;height:7px;border-radius:50%;background:#22c55e;animation:pulse 2s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(34,197,94,.5)}70%{box-shadow:0 0 0 8px rgba(34,197,94,0)}100%{box-shadow:0 0 0 0 rgba(34,197,94,0)}}
#result{padding:22px}
#result.pop .res-big,#result.pop .rc-range{animation:popin .35s ease}
@keyframes popin{from{opacity:.4;transform:translateY(4px)}to{opacity:1;transform:none}}
.res-label{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--mut)}
.res-big{font-size:clamp(2.4rem,6vw,3.2rem);font-weight:800;letter-spacing:-.04em;line-height:1.1;margin-top:4px;font-variant-numeric:tabular-nums;color:var(--ink)}
.res-big small{font-size:1rem;letter-spacing:0;color:var(--mut);font-weight:700}
.res-sub{display:block;color:var(--mut);font-size:.9rem;margin-top:2px}
.res-stats{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:18px 0}
.rs{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:12px 14px}
.rs-v{display:block;font-weight:800;font-size:1.18rem;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.rs-v small{font-size:.8rem;color:var(--mut);font-weight:700;letter-spacing:0}
.rs-l{font-size:.8rem;color:var(--mut);font-weight:600}
.res-cost{border-radius:14px;padding:16px 18px;background:linear-gradient(135deg,#fff7ed,#fffbf5);border:1px solid #fed7aa}
.rc-head{display:flex;justify-content:space-between;gap:10px;font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--ord)}
.rc-where{color:var(--mut);text-transform:none;letter-spacing:0;font-weight:600}
.rc-range{font-size:1.75rem;font-weight:800;letter-spacing:-.03em;margin-top:4px;font-variant-numeric:tabular-nums}
.rc-dash{margin:0 8px;color:var(--mut);font-weight:600}
.meter{position:relative;height:8px;border-radius:99px;background:linear-gradient(90deg,#fde68a,var(--or),#c2410c);margin:12px 0 8px;overflow:visible}
.meter b{position:absolute;left:50%;top:50%;width:16px;height:16px;border-radius:50%;background:#fff;border:3px solid var(--ord);transform:translate(-50%,-50%);animation:slide .9s cubic-bezier(.2,.8,.2,1)}
@keyframes slide{from{left:0}}
.rc-mid{font-size:.9rem;color:var(--ink2)}
.rc-list{list-style:none;margin-top:12px;border-top:1px dashed #fdba74;padding-top:10px;display:grid;gap:6px}
.rc-list li{display:flex;justify-content:space-between;gap:12px;font-size:.9rem;color:var(--ink2)}
.rc-list strong{white-space:nowrap}
.res-bars{margin-top:18px}
.rb-title{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--mut)}
.stack{display:flex;height:14px;border-radius:99px;overflow:hidden;margin:10px 0;background:var(--line);gap:2px}
.sg{transform-origin:left;animation:grow .8s cubic-bezier(.2,.8,.2,1) both}
@keyframes grow{from{transform:scaleX(0)}}
.bc0{background:var(--blue)}.bc1{background:var(--or)}.bc2{background:#0ea5e9}.bc3{background:#a855f7}.bc4{background:#14b8a6}
.legend{list-style:none;display:grid;gap:6px;font-size:.88rem;color:var(--ink2)}
.legend li{display:flex;align-items:center;gap:8px}
.legend strong{margin-left:auto}
.legend i{width:10px;height:10px;border-radius:3px;flex:none}
.res-note{margin-top:14px;font-size:.84rem;color:var(--mut);line-height:1.55}
.res-tools{display:flex;gap:8px;padding:0 22px 22px}
.res-tools .btn{height:42px;font-size:.88rem;padding:0 14px;flex:1}
/* article content */
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:48px;margin:64px auto 0;align-items:start}
.prose{max-width:760px}
.prose h2{font-size:clamp(1.45rem,2.6vw,1.8rem);letter-spacing:-.025em;line-height:1.2;margin:44px 0 14px;font-weight:800;scroll-margin-top:90px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.15rem;margin:26px 0 8px;font-weight:800}
.prose p{margin-bottom:16px;color:var(--ink2)}
.prose ul,.prose ol{margin:0 0 18px 22px;color:var(--ink2)}
.prose li{margin-bottom:8px}
.prose strong{color:var(--ink)}
.formula{background:var(--navy);color:#e2e8f0;border-radius:14px;padding:18px 20px;font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:.92rem;margin:0 0 18px;overflow-x:auto;line-height:1.8;background-image:linear-gradient(rgba(147,197,253,.07) 1px,transparent 1px),linear-gradient(90deg,rgba(147,197,253,.07) 1px,transparent 1px);background-size:14px 14px}
.formula b{color:#fdba74;font-weight:600}
.callout{border-left:4px solid var(--or);background:var(--or50);padding:14px 18px;border-radius:0 12px 12px 0;margin:0 0 18px;color:var(--ink2)}
.tbl{overflow-x:auto;margin:0 0 20px;border:1px solid var(--line);border-radius:14px;background:#fff}
.tbl table{width:100%;border-collapse:collapse;font-size:.93rem}
.tbl th{background:var(--bg);text-align:left;padding:12px 14px;font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--mut);border-bottom:1px solid var(--line);white-space:nowrap}
.tbl td{padding:11px 14px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums;color:var(--ink2)}
.tbl tr:last-child td{border-bottom:0}
.tbl tbody tr:hover td{background:#f8fbff}
.tbl td:first-child{font-weight:700;color:var(--ink)}
.tbl.states{max-height:560px;overflow-y:auto}
.tbl.states th{position:sticky;top:0}
.toc{position:sticky;top:90px;display:grid;gap:18px}
.toc .card{padding:18px}
.toc h2{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--mut);margin-bottom:10px}
.toc ol{list-style:none;display:grid;gap:2px}
.toc ol a{display:block;padding:7px 10px;border-radius:8px;text-decoration:none;color:var(--ink2);font-size:.9rem;font-weight:600}
.toc ol a:hover{background:var(--blue50);color:var(--blue)}
.mini{display:flex;align-items:center;gap:10px;padding:8px;border-radius:10px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.92rem}
.mini:hover{background:var(--blue50);color:var(--blue)}
.mini .ic{width:34px;height:34px}
/* FAQ */
.faq{display:grid;gap:10px;margin-bottom:18px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;transition:border-color .2s,box-shadow .2s}
.faq details[open]{border-color:#bfdbfe;box-shadow:var(--sh)}
.faq summary{cursor:pointer;list-style:none;padding:16px 50px 16px 18px;font-weight:700;position:relative;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'';position:absolute;right:18px;top:50%;width:10px;height:10px;border-right:2px solid var(--mut);border-bottom:2px solid var(--mut);transform:translateY(-70%) rotate(45deg);transition:transform .25s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(225deg)}
.faq .a{padding:0 18px 16px;color:var(--ink2)}
.faq .a p{margin:0}
/* cards grid */
.sec{padding:84px 0}
.sec.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-h{max-width:640px;margin-bottom:36px}
.sec-h .kick{font-size:.8rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--ord)}
.sec-h h2{font-size:clamp(1.7rem,3.4vw,2.4rem);letter-spacing:-.03em;line-height:1.12;margin:8px 0 10px;font-weight:800}
.sec-h p{color:var(--mut);font-size:1.05rem}
.cat{margin-bottom:36px}
.cat h3{font-size:.84rem;text-transform:uppercase;letter-spacing:.08em;color:var(--mut);margin-bottom:14px;font-weight:800}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px}
.ccard{position:relative;display:flex;flex-direction:column;gap:10px;padding:22px;background:#fff;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);transition:transform .25s cubic-bezier(.2,.8,.2,1),box-shadow .25s,border-color .25s;overflow:hidden}
.ccard::before{content:'';position:absolute;inset:0 0 auto;height:3px;background:linear-gradient(90deg,var(--blue2),var(--or));transform:scaleX(0);transform-origin:left;transition:transform .35s}
.ccard:hover{transform:translateY(-4px);box-shadow:var(--sh2);border-color:#bfdbfe;color:var(--ink)}
.ccard:hover::before{transform:scaleX(1)}
.ccard h4{font-size:1.08rem;font-weight:800;letter-spacing:-.01em}
.ccard p{font-size:.92rem;color:var(--mut);line-height:1.55}
.ccard .go{margin-top:auto;font-size:.88rem;font-weight:700;color:var(--blue);display:inline-flex;align-items:center;gap:6px}
.ccard .go svg{transition:transform .25s}
.ccard:hover .go svg{transform:translateX(4px)}
.ic{width:46px;height:46px;border-radius:12px;background:var(--blue50);color:var(--blue);display:grid;place-items:center;flex:none;transition:background .25s,color .25s}
.ccard:hover .ic{background:var(--blue);color:#fff}
.ic svg{width:24px;height:24px}
.mini .ic svg{width:18px;height:18px}
.tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:22px}
.tab{height:42px;padding:0 16px;border-radius:99px;border:1.5px solid var(--line2);background:#fff;font:inherit;font-weight:700;font-size:.9rem;color:var(--ink2);cursor:pointer;transition:background .2s,color .2s,border-color .2s}
.tab:hover{border-color:var(--ink)}
.tab[aria-pressed=true]{background:var(--ink);border-color:var(--ink);color:#fff}
.ccard .tag{font-size:.72rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--ord)}
.ccard .top{display:flex;align-items:center;justify-content:space-between;gap:10px}
#q-none{color:var(--mut);padding:10px 0}
/* steps / trust */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;counter-reset:s}
.step{padding:26px;border-radius:var(--r);background:var(--bg);border:1px solid var(--line);position:relative}
.step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--ink);color:#fff;font-weight:800;margin-bottom:14px}
.step h3{font-size:1.1rem;margin-bottom:6px}
.step p{color:var(--mut);font-size:.95rem}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.tr{padding:22px;border-radius:var(--r);background:#fff;border:1px solid var(--line)}
.tr strong{display:block;font-size:2rem;letter-spacing:-.03em;font-weight:800;color:var(--blue);font-variant-numeric:tabular-nums}
.tr span{color:var(--mut);font-size:.92rem}
.band{background:linear-gradient(135deg,var(--blue),var(--navy));color:#fff;border-radius:24px;padding:44px;display:flex;align-items:center;justify-content:space-between;gap:24px;position:relative;overflow:hidden}
.band h2{font-size:clamp(1.5rem,3vw,2.1rem);letter-spacing:-.03em;line-height:1.15}
.band p{color:#cbd5e1;margin-top:8px}
.band .grid-bg{opacity:.6}
.band > *{position:relative}
/* simple pages */
.page{max-width:780px;margin:-60px auto 0;position:relative;z-index:2;padding:40px}
.page.prose{max-width:780px}
/* footer */
.ftr{background:#0a1433;color:#94a3b8;margin-top:96px;padding:60px 0 30px;font-size:.93rem}
.ftr .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.ftr .logo{color:#fff}
.ftr h2{color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:14px}
.ftr ul{list-style:none;display:grid;gap:8px}
.ftr a{color:#cbd5e1;text-decoration:none}
.ftr a:hover{color:#fff;text-decoration:underline}
.ftr .fine{border-top:1px solid rgba(255,255,255,.08);margin-top:40px;padding-top:22px;font-size:.84rem;line-height:1.6;display:grid;gap:8px}
.ftr p{max-width:360px;margin-top:12px}
/* reveal (only when JS is on, so crawlers/no-JS see everything) */
.js .rv{opacity:0;transform:translateY(22px);transition:opacity .7s cubic-bezier(.2,.8,.2,1),transform .7s cubic-bezier(.2,.8,.2,1)}
.js .rv.in{opacity:1;transform:none}
.js .rv.d1{transition-delay:.08s}.js .rv.d2{transition-delay:.16s}.js .rv.d3{transition-delay:.24s}
/* responsive */
@media(max-width:1000px){
.calc-grid{grid-template-columns:1fr}
.result-card{position:relative;top:0}
.content-grid{grid-template-columns:1fr}
.toc{position:static;grid-template-columns:1fr 1fr}
.trust{grid-template-columns:repeat(2,1fr)}
.ftr .cols{grid-template-columns:1fr 1fr}
}
@media(max-width:860px){
.hero .wrap{grid-template-columns:1fr}
.hero-art{max-width:460px;margin:0 auto;width:100%}
.steps{grid-template-columns:1fr}
.band{flex-direction:column;align-items:flex-start;padding:32px}
}
@media(max-width:600px){
body{font-size:16px}
.wrap{padding:0 16px}
.hero{padding:44px 0 64px}
.fields{grid-template-columns:1fr}
.calc{padding:20px}
#result{padding:18px}
.res-tools{padding:0 18px 18px}
.toc{grid-template-columns:1fr}
.sec{padding:60px 0}
.page{padding:24px;margin-top:-40px}
.ftr .cols{grid-template-columns:1fr}
.hero-art{display:none}
.rc-range{font-size:1.5rem}
}
@media(prefers-reduced-motion:reduce){
*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
.grid-bg{animation:none}
}
@media print{
.hdr,.ftr,.phero .grid-bg,.toc,.res-tools,.actions,.related,.faq,.mnav{display:none!important}
.phero{background:none;color:#000;padding:0}.phero .lead,.crumbs,.meta{color:#333}
.calc-grid{margin-top:12px;grid-template-columns:1fr 1fr}
.card{box-shadow:none}
}