:root{--bg:#f6f8fb;--card:#fff;--ink:#172033;--muted:#5d687b;--line:#dce2ea;--accent:#2563eb;--accent2:#0f766e;--shadow:0 8px 28px rgba(20,32,55,.07);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);line-height:1.55}a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(1120px,calc(100% - 32px));margin:auto}.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav{min-height:66px;display:flex;align-items:center;justify-content:space-between;gap:20px}.logo{font-size:22px;font-weight:900;color:var(--ink)}.logo span{color:var(--accent)}nav{display:flex;gap:18px;flex-wrap:wrap;font-size:14px}main{padding:30px 0 56px}.crumb{font-size:13px;color:var(--muted);margin-bottom:16px}.calc-hero{display:flex;justify-content:space-between;gap:24px;align-items:flex-end;margin-bottom:20px}.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:12px;font-weight:800;color:var(--accent2)}h1{font-size:clamp(32px,5vw,48px);line-height:1.05;margin:8px 0 12px}h2{line-height:1.2;margin-top:0}.calc-hero p{margin:0;color:var(--muted);max-width:720px}.mini-note{border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 12px;font-size:12px;color:var(--muted);white-space:nowrap}.calc-layout{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(260px,.8fr);gap:20px}.panel{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.form-grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}label{display:block;font-weight:700;font-size:14px}.input-wrap{position:relative;margin-top:7px}.input-wrap input,.input-wrap select,select,input{width:100%;font:inherit;border:1px solid #cbd3df;border-radius:10px;background:#fff;padding:11px 12px;color:var(--ink)}.input-wrap em{position:absolute;right:11px;top:10px;font-style:normal;color:var(--muted);font-weight:600}.input-wrap input:has(+em){padding-right:34px}.help{font-size:12px;color:var(--muted);margin-top:5px;font-weight:400}.button-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}button,.hero-cta{border:0;border-radius:10px;padding:11px 15px;font-weight:800;cursor:pointer;display:inline-block}.primary{background:var(--accent);color:#fff}.secondary{background:#eef2f7;color:var(--ink)}button:hover,.hero-cta:hover{filter:brightness(.97);text-decoration:none}.result{margin-top:20px;border:1px solid var(--line);border-radius:14px;padding:18px;background:#f9fbff}.result-main{font-size:38px;font-weight:900;line-height:1.1;margin:4px 0 14px}.result-sub{color:var(--muted);font-size:14px}.result-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin-top:14px}.metric{background:#fff;border:1px solid var(--line);border-radius:11px;padding:12px}.metric b{display:block;font-size:18px}.metric span{font-size:12px;color:var(--muted)}.breakdown{margin-top:14px;border-top:1px solid var(--line);padding-top:10px}.breakdown-row{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px dashed #e3e7ee}.feature{display:flex;flex-direction:column;gap:2px;padding:12px 0;border-bottom:1px solid var(--line)}.feature:last-child{border-bottom:0}.feature span{font-size:13px;color:var(--muted)}.explanation{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:20px}.explanation p,.panel p{color:var(--muted)}.comparison{overflow:auto;margin-top:16px}.comparison table{width:100%;border-collapse:collapse;min-width:620px}.comparison th,.comparison td{text-align:left;padding:10px;border-bottom:1px solid var(--line)}.comparison th{background:#f7f9fc;font-size:13px}.callout{background:#eff6ff;border:1px solid #bfdbfe;border-radius:12px;padding:14px;margin:14px 0}.note{font-size:12px;color:var(--muted)}footer{border-top:1px solid var(--line);background:#fff;padding:22px 0;color:var(--muted)}footer .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}.planner-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.planner-summary{display:flex;flex-direction:column;gap:8px}.planner-summary span{display:block}.guide-links{display:flex;flex-wrap:wrap;gap:10px}.guide-links a{background:#eef2f7;border-radius:999px;padding:8px 12px;font-size:13px;font-weight:700}@media(max-width:760px){.nav{align-items:flex-start;padding:12px 0;flex-direction:column}.calc-hero{align-items:flex-start;flex-direction:column}.calc-layout,.explanation{grid-template-columns:1fr}.form-grid,.form-grid.three,.planner-fields,.result-grid{grid-template-columns:1fr}.mini-note{white-space:normal}.panel{padding:18px}}
@media print{.top,footer,.calc-hero .mini-note,.button-row,.calc-layout aside{display:none!important}body{background:#fff}.panel{box-shadow:none}.wrap{width:100%}}

.calculator-tools{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:14px;padding-bottom:12px;border-bottom:1px solid var(--line)}
.tool-note{font-size:12px;color:var(--muted)}
.text-button{background:transparent;border:0;color:var(--accent);padding:4px 0;font-weight:800;cursor:pointer}
.text-button:hover{text-decoration:underline}
input:focus,select:focus,button:focus,a:focus{outline:3px solid rgba(37,99,235,.18);outline-offset:2px}
.comparison td input{min-width:105px}
details{border-top:1px solid var(--line);padding:12px 0}
details:last-child{border-bottom:1px solid var(--line)}
summary{cursor:pointer;font-weight:800;padding-right:20px}
details p{margin:8px 0 0}
@media(max-width:760px){.calculator-tools{align-items:flex-start}.tool-note{max-width:65%}}

/* Homepage layout */
.hero{background:linear-gradient(180deg,#f8fafc 0%,#eef3f8 100%);border-bottom:1px solid var(--line);padding:56px 0 44px}
.hero-inner{max-width:900px}
.hero .eyebrow{margin-bottom:4px}
.hero p{max-width:760px;font-size:18px;color:var(--muted);margin:0 0 18px}
.badges{display:flex;flex-wrap:wrap;gap:8px 10px;margin:0 0 22px}
.badges span{display:inline-flex;align-items:center;background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 10px;font-size:12px;font-weight:700;color:var(--muted)}
.hero-cta{font-size:16px;padding:13px 18px}
.section{padding:42px 0}
.section-head{display:flex;justify-content:space-between;gap:20px;align-items:flex-end;margin-bottom:18px}
.section-head p{margin:0;color:var(--muted)}
.tools{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.tool{display:flex;align-items:flex-start;gap:12px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:15px;color:var(--ink);box-shadow:var(--shadow)}
.tool:hover{text-decoration:none;border-color:#b9c7da;transform:translateY(-1px)}
.tool-icon{font-size:22px;line-height:1.2;flex:0 0 auto}
.tool strong{display:block;color:var(--accent);font-size:16px;line-height:1.35}
.tool div>span{display:block;color:var(--muted);font-size:13px;margin-top:3px}
@media(max-width:760px){.hero{padding:40px 0 34px}.hero p{font-size:17px}.tools{grid-template-columns:1fr}.section{padding:32px 0}.section-head{align-items:flex-start;flex-direction:column}}