:root{--navy:#12233f;--blue:#1d4f91;--teal:#2e8f8a;--gold:#d49a32;--cream:#f7f4ed;--light:#f4f7fb;--text:#1d2433;--muted:#5e6a7d;--border:#d9e2ef;--shadow:0 18px 50px #12233f1f}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--text);background:#fff;margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;line-height:1.6}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.container{width:min(1120px,100% - 32px);margin:0 auto}.skip-link{background:var(--navy);color:#fff;z-index:20;padding:.6rem .8rem;position:absolute;top:8px;left:-999px}.skip-link:focus{left:8px}.site-header{z-index:10;border-bottom:1px solid var(--border);backdrop-filter:blur(12px);background:#fffffff2;position:sticky;top:0}.header-inner{justify-content:space-between;align-items:center;gap:1rem;padding:1rem 0;display:flex}.brand{color:var(--navy);align-items:center;gap:.75rem;text-decoration:none;display:flex}.brand:hover{text-decoration:none}.brand-mark{background:linear-gradient(135deg, var(--navy), var(--teal));color:#fff;letter-spacing:-.04em;border-radius:14px;place-items:center;width:48px;height:48px;font-weight:800;display:grid}.brand-text{flex-direction:column;line-height:1.2;display:flex}.brand-text small{color:var(--muted);font-size:.78rem}.site-nav{flex-wrap:wrap;justify-content:flex-end;align-items:center;gap:.35rem;display:flex}.site-nav a{color:var(--text);border-radius:999px;padding:.55rem .75rem;font-size:.94rem;font-weight:650}.site-nav a.active,.site-nav a:hover{background:var(--light);color:var(--blue);text-decoration:none}.nav-dropdown{display:inline-flex;position:relative}.nav-dropdown-trigger{align-items:center;gap:.3rem;display:inline-flex}.dropdown-menu{border:1px solid var(--border);min-width:280px;box-shadow:var(--shadow);opacity:0;visibility:hidden;z-index:30;background:#fff;border-radius:18px;padding:.5rem;transition:opacity .16s,transform .16s,visibility .16s;position:absolute;top:calc(100% + .45rem);left:0;transform:translateY(-8px)}.dropdown-menu a{white-space:nowrap;border-radius:12px;padding:.7rem .85rem;display:block}.nav-dropdown:hover .dropdown-menu,.nav-dropdown:focus-within .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}.hero{background:radial-gradient(circle at 15% 15%, #2e8f8a29, transparent 34%), linear-gradient(135deg, #fff, var(--cream));border-bottom:1px solid var(--border);padding:5rem 0 4rem}.hero-grid{grid-template-columns:1.15fr .85fr;align-items:center;gap:2rem;display:grid}.eyebrow{color:var(--teal);letter-spacing:.08em;text-transform:uppercase;font-size:.78rem;font-weight:800}h1,h2,h3{color:var(--navy);margin:0 0 1rem;line-height:1.12}h1{letter-spacing:-.06em;font-size:clamp(2.6rem,7vw,5rem)}h2{letter-spacing:-.04em;font-size:clamp(1.8rem,3vw,2.6rem)}h3{font-size:1.24rem}p{margin:0 0 1rem}.lead{color:#33415c;max-width:720px;font-size:clamp(1.1rem,2vw,1.35rem)}.actions{flex-wrap:wrap;gap:.8rem;margin-top:1.5rem;display:flex}.button{border:1px solid var(--border);border-radius:999px;justify-content:center;align-items:center;min-height:44px;padding:.76rem 1.05rem;font-weight:800;text-decoration:none;display:inline-flex}.button:hover{text-decoration:none;transform:translateY(-1px)}.button.primary{background:var(--navy);color:#fff;border-color:var(--navy)}.button.secondary{color:var(--navy);background:#fff}.button.feedback-button{color:#8a5c10;background:#fff8e6;border-color:#f0d28a}.light-button{color:var(--navy);background:#fff;border-color:#fff}.panel{border:1px solid var(--border);box-shadow:var(--shadow);background:#fff;border-radius:24px;padding:1.35rem}.page-hero .panel{color:var(--text)}.page-hero .panel h2{color:var(--navy)}.section{padding:4rem 0}.section.alt{background:var(--light);border-block:1px solid var(--border)}.section-header{max-width:780px;margin-bottom:2rem}.grid{gap:1rem;display:grid}.grid.three{grid-template-columns:repeat(3,1fr)}.grid.two{grid-template-columns:repeat(2,1fr)}.card{border:1px solid var(--border);background:#fff;border-radius:22px;padding:1.25rem;box-shadow:0 8px 26px #12233f0f}.card.highlight{background:linear-gradient(#fff,#f4fbfa);border-color:#2e8f8a73}.card ul,.site-footer ul{margin:0;padding-left:1.15rem}.plain-list{margin:0;padding-left:1.25rem}.plain-list li{margin-bottom:.55rem}.muted{color:var(--muted)}.calculator-start-panel h2{letter-spacing:-.03em;font-size:1.55rem}.calculator-tool-card{flex-direction:column;align-items:flex-start;min-height:100%;display:flex}.calculator-tool-card .button{margin-top:auto}.calculator-actions{flex-wrap:wrap;justify-content:flex-end;gap:.65rem;display:flex}.feedback-section{padding-top:0}.feedback-callout{border:1px solid var(--border);background:#fff;border-radius:22px;padding:1.35rem;box-shadow:0 8px 26px #12233f0f}.feedback-callout h2,.feedback-callout h3{margin-bottom:.65rem}.kicker{color:#8a5c10;background:#d49a3224;border-radius:999px;margin-bottom:.75rem;padding:.25rem .65rem;font-size:.78rem;font-weight:800;display:inline-block}.ad-slot{color:var(--muted);text-align:center;background:#f8fafc;border:2px dashed #b7c6d8;border-radius:18px;padding:1.25rem;font-size:.92rem}.page-hero{background:linear-gradient(135deg, var(--navy), #1d4f91);color:#fff;padding:3.7rem 0 2.7rem}.page-hero h1,.page-hero p{color:#fff}.breadcrumb{color:#ffffffc2;margin-bottom:.8rem;font-weight:700}.notice{color:#523b0a;background:#fff8e6;border:1px solid #f0d28a;border-radius:18px;padding:1rem}.calculator-shell-card{border:1px solid var(--border);box-shadow:var(--shadow);background:#fff;border-radius:24px;overflow:hidden}.calculator-shell-header{border-bottom:1px solid var(--border);background:linear-gradient(#fff,#f8fafc);justify-content:space-between;align-items:flex-start;gap:1rem;padding:1.25rem;display:flex}.calculator-shell-header h2{margin-bottom:.45rem}.calculator-shell-header p:last-child{color:var(--muted);margin-bottom:0}.calculator-frame{background:#f4f7fa;border:0;width:100%;min-height:1250px;display:block}.site-footer{background:var(--navy);color:#dbe7f7;padding:3rem 0 1rem}.site-footer h2{color:#fff;letter-spacing:0;font-size:1.1rem}.site-footer a{color:#eaf3ff}.footer-grid{grid-template-columns:1.4fr .8fr .8fr;gap:2rem;display:grid}.footer-bottom{color:#b7c6d8;border-top:1px solid #ffffff29;margin-top:2rem;padding-top:1rem}@media (width<=860px){.site-header{position:static}.header-inner,.hero-grid{flex-direction:column;grid-template-columns:1fr;align-items:flex-start}.header-inner{gap:.65rem;padding:.75rem 0}.brand-mark{border-radius:12px;width:42px;height:42px}.brand-text small{font-size:.72rem}.site-nav{justify-content:flex-start;gap:.2rem}.site-nav a{padding:.45rem .6rem;font-size:.9rem}.nav-dropdown{width:auto;display:inline-flex}.dropdown-menu{opacity:0;visibility:hidden;width:min(310px,100vw - 32px);box-shadow:var(--shadow);margin-top:0;position:absolute;transform:translateY(-8px)}.dropdown-menu a{white-space:normal}.calculator-page-hero{display:none}.calculator-embed-section{padding:.8rem 0 2rem}.calculator-embed-section .container{width:100%}.calculator-shell-card{box-shadow:none;border-inline:0;border-radius:0}.calculator-shell-header{flex-direction:column;gap:.7rem;padding:.8rem 1rem}.calculator-shell-header .eyebrow,.calculator-shell-header p:not(.eyebrow){display:none}.calculator-shell-header h2{margin:0;font-size:1.45rem}.calculator-actions{justify-content:stretch;width:100%}.calculator-shell-header .button{width:100%;min-height:42px}.calculator-frame{min-height:1550px}.grid.three,.grid.two,.footer-grid{grid-template-columns:1fr}h1{font-size:2.6rem}}