@font-face{font-family:"Inter";src:url(/fonts/inter-var.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
:root{--navy:#0e2a3b;--navy2:#123a50;--teal:#0f6b73;--teal-d:#0a4f56;--teal-l:#e3f1ef;--amber:#f2a541;--amber-ink:#8f530a;--amber-l:#fdf1df;--cream:#faf6ef;--card:#fff;--ink:#18232d;--muted:#51606e;--line:#e6dfd3;--radius:14px;--shadow:0 1px 2px rgba(14,42,59,.06),0 8px 24px rgba(14,42,59,.08)}
*{box-sizing:border-box}
html{font-size:17px;-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;font-feature-settings:"cv11","ss01";color:var(--ink);background:var(--cream);line-height:1.62}
a{color:var(--teal);text-underline-offset:2px}a:hover{color:var(--teal-d)}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.6rem 1rem;z-index:20}.skip:focus{left:0}
.wrap{max-width:1120px;margin:0 auto;padding:0 1.15rem}
.ico{width:1.15em;height:1.15em;vertical-align:-.2em;flex:none}
/* header */
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:10;box-shadow:0 1px 0 rgba(255,255,255,.06)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:.6rem 1rem;padding:.65rem 1.15rem;flex-wrap:wrap}
.logo{display:inline-flex;align-items:center;gap:.55rem;color:#fff;text-decoration:none;font-weight:600;font-size:1.12rem;letter-spacing:-.01em}
.logo b{font-weight:800;color:var(--amber)}.logo:hover{color:#fff}
.mark{flex:none}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:.2rem .3rem;flex-wrap:wrap;align-items:center}
nav.main a{display:block;text-decoration:none;color:#dbe7ee;font-weight:500;font-size:.92rem;padding:.35rem .6rem;border-radius:8px}
nav.main a:hover{color:#fff;background:rgba(255,255,255,.08)}
nav.main a.navcta{background:var(--amber);color:var(--navy);font-weight:700}nav.main a.navcta:hover{background:#f7b863;color:var(--navy)}
/* heroes */
.hero,.pagehead{position:relative;color:#fff;background:radial-gradient(1200px 400px at 85% -10%,rgba(242,165,65,.22),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy2) 45%,var(--teal-d) 100%);overflow:hidden}
.hero{padding:2.6rem 0 8.5rem}
.pagehead{padding:1.6rem 0 3.6rem}
.hero .wrap,.pagehead .wrap{position:relative;z-index:1}
.skyline{position:absolute;left:0;right:0;bottom:0;width:100%;height:90px;color:rgba(255,255,255,.07);z-index:0}
.pagehead .skyline{height:60px}
.hero h1{font-size:clamp(2rem,5.2vw,3.3rem);line-height:1.08;letter-spacing:-.03em;margin:.3rem 0 .8rem;max-width:18ch;font-weight:800}
.pagehead h1{font-size:clamp(1.65rem,4vw,2.4rem);line-height:1.15;letter-spacing:-.025em;margin:.5rem 0 .5rem;font-weight:800;max-width:30ch}
.hero .lede,.pagehead .lede{color:#d5e3ea;font-size:1.08rem;max-width:44rem;margin:0}
.pagehead .lede strong{color:#fff}
.pagehead .crumbs,.pagehead .crumbs a{color:#a9c3cf}
.eyebrow{text-transform:uppercase;letter-spacing:.09em;font-size:.74rem;font-weight:700;color:var(--amber-ink);margin:0 0 .3rem}
.eyebrow.light{color:var(--amber)}
.badges{list-style:none;padding:0;margin:1.3rem 0 0;display:flex;flex-wrap:wrap;gap:.5rem}
.badges li{display:inline-flex;align-items:center;gap:.45rem;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.16);padding:.35rem .75rem;border-radius:999px;font-size:.88rem;color:#eef5f8}
.badges .ico{color:var(--amber)}
main{padding:0 0 3.5rem}
.content{padding-top:1.4rem}
.herocard{margin-top:-7rem!important;position:relative;z-index:2}
h1,h2,h3{color:var(--navy);letter-spacing:-.015em}
h1{font-size:2rem;line-height:1.2;margin:.4rem 0 .6rem}
h2{font-size:1.42rem;line-height:1.25;margin:2.4rem 0 .8rem;font-weight:750}
h3{font-size:1.1rem;margin:1.5rem 0 .4rem}
.lede{font-size:1.1rem;color:var(--muted);max-width:46rem}
.crumbs{font-size:.84rem;color:var(--muted)}.crumbs a{color:var(--muted)}
/* cards */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.3rem 1.4rem;margin:1.1rem 0;box-shadow:var(--shadow)}
.grid{display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.facts .card{margin:0;border-top:4px solid var(--amber)}
.facts strong{color:var(--navy)}
.tile{position:relative;display:flex;flex-direction:column;gap:.15rem;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.1rem 1.15rem 1rem;text-decoration:none;color:var(--ink);box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease,border-color .15s}
.tile:hover{transform:translateY(-2px);border-color:var(--teal);box-shadow:0 2px 4px rgba(14,42,59,.08),0 14px 30px rgba(14,42,59,.12);color:var(--ink)}
.tile .tico{width:2.1rem;height:2.1rem;padding:.4rem;border-radius:10px;background:var(--teal-l);color:var(--teal);margin-bottom:.45rem}
.tile strong{font-size:1.05rem;color:var(--navy)}
.tile small{color:var(--muted);font-size:.86rem}
.tile .go{position:absolute;right:1rem;top:1.1rem;color:var(--teal);opacity:.6;transition:transform .15s,opacity .15s}
.tile:hover .go{transform:translateX(3px);opacity:1}
.range{position:relative;display:block;height:6px;border-radius:6px;background:#eee8dd;margin:.6rem 0 .2rem}
.range span{position:absolute;top:0;bottom:0;border-radius:6px;background:linear-gradient(90deg,var(--teal),var(--amber))}
.rangelbl{font-size:.8rem;color:var(--muted);font-variant-numeric:tabular-nums}
/* tables */
table{border-collapse:collapse;width:100%;font-size:.92rem;background:#fff}
th,td{border-bottom:1px solid #eee8dd;padding:.6rem .65rem;text-align:left;vertical-align:top}
th{background:#f4efe6;font-weight:650;color:var(--navy);font-size:.86rem}
tbody tr:hover td{background:#fbf8f2}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
code{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:.86em;background:var(--teal-l);color:var(--teal-d);padding:.08em .35em;border-radius:5px}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}
.note{background:var(--amber-l);border-left:4px solid var(--amber);padding:.85rem 1rem;border-radius:10px;font-size:.95rem}
.fact{background:var(--teal-l);border-left:4px solid var(--teal);padding:.85rem 1rem;border-radius:10px}
.src{font-size:.85rem;color:var(--muted)}
/* calculator */
.calc h2#calc-h{margin:0 0 1rem;display:flex;align-items:center;gap:.5rem;font-size:1.35rem}
.calc h2#calc-h .ico{color:var(--teal);width:1.4em;height:1.4em}
.calc label{display:block;font-weight:650;margin:.85rem 0 .3rem;color:var(--navy);font-size:.95rem}
.calc select,.calc input[type=number],.calc input[type=text]{width:100%;padding:.7rem .75rem;border:1.5px solid #cfc6b8;border-radius:10px;font-size:1rem;background:#fff;color:var(--ink);font-family:inherit;min-height:46px}
.calc select:focus,.calc input:focus{border-color:var(--teal);outline:3px solid rgba(15,107,115,.25);outline-offset:0}
.calc .row{display:grid;gap:.2rem 1rem;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.calc .checks label{font-weight:500;display:flex;gap:.55rem;align-items:flex-start;color:var(--ink)}
.calc .checks input{width:1.15rem;height:1.15rem;margin-top:.2rem;accent-color:var(--teal)}
.btn{display:inline-flex;align-items:center;gap:.45rem;background:var(--teal);color:#fff;text-decoration:none;padding:.65rem 1.1rem;border-radius:10px;font-weight:650;border:0;font-size:1rem;cursor:pointer;font-family:inherit;min-height:44px;white-space:nowrap}
.btn:hover{background:var(--teal-d);color:#fff}
.btn:disabled{opacity:.6;cursor:progress}
.btn.accent{background:var(--amber);color:var(--navy)}.btn.accent:hover{background:#f7b863;color:var(--navy)}
.btn.ghost,.btn.alt{background:transparent;color:var(--teal);border:1.5px solid var(--teal)}.btn.ghost:hover,.btn.alt:hover{background:var(--teal-l);color:var(--teal-d)}
.addrbox{margin:0 0 .6rem;padding:1rem;border:1.5px solid #cfe3e0;border-radius:12px;background:linear-gradient(180deg,#f2f9f8,#fff)}
.addrbox label{margin-top:0}
.addrbox input{flex:1;min-width:0}
.addrmsg{margin:.6rem 0 .2rem;font-size:.94rem}.addrmsg:empty{display:none}
.addrmsg.ok{padding:.7rem .85rem;border-left:4px solid #1f7a3d;background:#eaf6ee;border-radius:8px}
.addrmsg.warn{padding:.7rem .85rem;border-left:4px solid #b26b00;background:#fff5e4;border-radius:8px}
#areainfo{color:var(--muted)}
.help{margin:1rem 0;padding:1rem 1.15rem;box-shadow:none;background:#fffdf9}.help summary{cursor:pointer;color:var(--navy)}.help ul{margin:.4rem 0 .6rem 1.1rem}
.help input{flex:1;min-width:0;padding:.6rem;font-size:1rem;border:1.5px solid #cfc6b8;border-radius:10px;font-family:inherit}
#area{font-size:.95rem;max-width:100%}
/* result */
.result{margin-top:1.2rem;padding:1.3rem 1.4rem;border-radius:var(--radius);background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff}
.result:empty{display:none}
.res-top{display:flex;flex-wrap:wrap;gap:1rem 2rem;align-items:flex-end;justify-content:space-between}
.res-k{font-size:.9rem;color:#b9cfda;font-weight:600;text-transform:uppercase;letter-spacing:.06em}
.result .big{font-size:clamp(2.3rem,7vw,3.2rem);font-weight:800;line-height:1.05;letter-spacing:-.03em;color:#fff;font-variant-numeric:tabular-nums}
.res-m{color:var(--amber);font-weight:600}
.res-steps{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.4rem 1.2rem;margin:0;font-size:.88rem}
.res-steps div{display:flex;justify-content:space-between;gap:.8rem;border-bottom:1px solid rgba(255,255,255,.14);padding:.2rem 0}
.res-steps dt{color:#b9cfda}.res-steps dd{margin:0;font-variant-numeric:tabular-nums;font-weight:600}
.res-h{color:#fff;font-size:1rem;margin:1.3rem 0 .55rem}
.stack{display:flex;height:16px;border-radius:999px;overflow:hidden;background:rgba(255,255,255,.12);gap:2px}
.stack span{display:block;height:100%}
.c1{background:#7fb7d6}.c2{background:#4fc0b0}.c3{background:#f2a541}.c4{background:#c9b6f2}.c5{background:#f08a6c}
.legend{list-style:none;padding:0;margin:.8rem 0 0;display:grid;gap:.35rem}
.legend li{display:flex;align-items:center;gap:.6rem;font-size:.92rem}
.legend i{width:.8rem;height:.8rem;border-radius:3px;flex:none}
.legend span{flex:1;min-width:0}.legend small{color:#b9cfda;white-space:nowrap}
.legend b{font-variant-numeric:tabular-nums}
.res-total{margin:.8rem 0 0;padding-top:.6rem;border-top:1px solid rgba(255,255,255,.18)}
.res-src{font-size:.82rem;color:#b9cfda;margin-top:.5rem}.res-src a{color:#fff}
/* agent */
.agent{display:flex;gap:1.3rem;align-items:center;background:linear-gradient(135deg,#fff 0%,#fff 55%,var(--amber-l) 100%);border:1px solid var(--line);border-radius:18px;padding:1.4rem 1.5rem;margin:2.6rem 0;box-shadow:var(--shadow)}
.agent img{width:112px;height:112px;object-fit:cover;border-radius:50%;flex:none;border:4px solid #fff;box-shadow:0 0 0 2px var(--amber)}
.agent h2{margin:0 0 .3rem;font-size:1.3rem}
.agent p{margin:.25rem 0}
.agent .actions{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:.8rem}
/* footer */
footer.site{background:var(--navy);color:#bcd0da;padding:2.4rem 0 1.6rem;font-size:.88rem}
footer.site a{color:#e3eef3}footer.site a:hover{color:var(--amber)}
footer.site strong{color:#fff}
footer .cols{display:grid;gap:1.4rem;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));margin-bottom:1.2rem}
footer .logo{margin-bottom:.4rem}
footer .eho{display:flex;gap:.5rem;align-items:flex-start;border-top:1px solid rgba(255,255,255,.12);padding-top:1rem}
footer .eho svg{flex:none;color:#fff}
.updated{font-size:.85rem;color:var(--muted);margin-top:2rem}
form.lead label{display:block;font-weight:650;margin:.75rem 0 .25rem;color:var(--navy)}
form.lead input,form.lead textarea,form.lead select{width:100%;padding:.7rem;border:1.5px solid #cfc6b8;border-radius:10px;font-size:1rem;font-family:inherit;background:#fff}
form.lead input:focus,form.lead textarea:focus,form.lead select:focus{border-color:var(--teal);outline:3px solid rgba(15,107,115,.25)}
.hp{position:absolute;left:-5000px}
@media (max-width:640px){
 html{font-size:16px}
 .bar{justify-content:center}
 nav.main ul{justify-content:center}
 nav.main a{font-size:.86rem;padding:.3rem .5rem}
 header.site{position:static}
 .hero{padding:1.8rem 0 7.5rem}
 .card{padding:1.1rem 1rem}
 .agent{flex-direction:column;align-items:flex-start;text-align:left}
 .res-steps{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}
@media print{header.site,footer.site,.agent,nav,.skyline{display:none}.hero,.pagehead{background:none;color:#000}}
.hero h1,.pagehead h1{color:#fff}
.glance{margin:1.4rem 0 0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem;max-width:420px}
.glance div{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:12px;padding:.7rem .85rem}
.glance dt{font-size:.75rem;color:#a9c3cf;text-transform:uppercase;letter-spacing:.06em;font-weight:600}
.glance dd{margin:.1rem 0 0;font-size:1.55rem;font-weight:800;color:#fff;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.glance small{font-size:.8rem;font-weight:500;color:#cfe0e8}
@media (min-width:900px){.hero .wrap{display:grid;grid-template-columns:minmax(0,1fr) 380px;column-gap:3rem;align-items:start}.hero .wrap>*{grid-column:1}.hero .glance{grid-column:2;grid-row:1/span 4;margin-top:2.2rem}}
@media (max-width:640px){.hero .glance{display:none}.hero{padding-bottom:7rem}}
@media (max-width:640px){
 .rt{border:0;background:transparent;box-shadow:none;overflow:visible}
 .rt table,.rt tbody,.rt tr,.rt td{display:block;width:100%;background:transparent}
 .rt thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
 .rt tr{background:#fff;border:1px solid var(--line);border-radius:12px;margin:0 0 .7rem;padding:.4rem .9rem;box-shadow:var(--shadow)}
 .rt td{display:flex;justify-content:space-between;gap:1rem;border-bottom:1px dashed #eee8dd;padding:.45rem 0;text-align:right}
 .rt td:last-child{border-bottom:0}
 .rt td::before{content:attr(data-label);font-weight:650;color:var(--navy);text-align:left;font-size:.84rem;flex:none;max-width:45%}
 .rt td.num{white-space:normal}
 .rt tbody tr:hover td{background:transparent}
}
@media (max-width:640px){
 .grid:not(.facts){grid-template-columns:repeat(2,minmax(0,1fr));gap:.65rem}
 .tile{padding:.85rem .8rem .75rem}.tile strong{font-size:.95rem;line-height:1.25}.tile small{font-size:.78rem;line-height:1.35}
 .tile .tico{width:1.8rem;height:1.8rem;padding:.35rem}.tile .go{right:.7rem;top:.85rem}
}
/* ---- UX2: answer-first calculator ---- */
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.calc .calc-title{font-size:1.2rem;margin:0 0 .6rem}
.calc label{margin:.55rem 0 .3rem}
.calc #addr{font-size:1.05rem;min-height:52px}
.inrow{display:flex;gap:.6rem;align-items:flex-end;flex-wrap:wrap}
.valwrap{flex:1 1 150px;min-width:0}
.money{position:relative}.money span{position:absolute;left:.8rem;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.calc .money input{padding-left:1.7rem;min-height:52px;font-size:1.05rem}
.btn.primary{flex:1 1 170px;justify-content:center;min-height:52px;font-size:1.05rem;font-weight:750;box-shadow:0 2px 0 rgba(14,42,59,.15)}
.hint{font-size:.8rem;color:var(--muted);margin:.35rem 0 0;font-weight:400}
.exrow{border:0;margin:.4rem 0 0;padding:0;display:flex;flex-wrap:wrap;gap:.2rem 1.1rem}
.calc .exrow label{display:inline-flex;align-items:center;gap:.4rem;font-weight:500;margin:.25rem 0;font-size:.92rem;color:var(--ink)}
.exrow input{width:1.15rem;height:1.15rem;accent-color:var(--teal)}
.addrmsg.busy{display:flex;align-items:center;gap:.5rem;color:var(--muted)}
.spin{width:1rem;height:1rem;border:2px solid #cfe3e0;border-top-color:var(--teal);border-radius:50%;animation:sp 0.8s linear infinite}
@keyframes sp{to{transform:rotate(360deg)}}
.result{margin-top:.9rem;padding:1.15rem 1.2rem 1rem;scroll-margin-top:70px}
.result[hidden]{display:none}
.result .big{font-size:clamp(2.6rem,11vw,3.4rem)}
.res-m{font-size:1.02rem}
.matchline{margin:.7rem 0 .1rem;display:flex;flex-wrap:wrap;gap:.35rem .5rem;align-items:center;font-size:.92rem;color:#e3eef3}
.chip{display:inline-block;font-size:.72rem;font-weight:750;letter-spacing:.03em;text-transform:uppercase;padding:.15rem .5rem;border-radius:999px}
.chip.hi{background:#c8f0d6;color:#0f4d26}.chip.md{background:#ffe2b0;color:#5c3500}.chip.lo{background:#ffd3c4;color:#6b2310}
.linkbtn{background:none;border:0;padding:.3rem 0;color:#ffd08a;font:inherit;font-size:.88rem;text-decoration:underline;text-underline-offset:2px;cursor:pointer;min-height:32px}
.linkbtn:hover{color:#fff}
.result .res-h{margin:.8rem 0 .5rem;font-size:.95rem}
.res-note{font-size:.82rem;color:#b9cfda;margin:.7rem 0 .3rem}
.disc{border-top:1px solid rgba(255,255,255,.16);padding:.15rem 0}
.disc summary{cursor:pointer;padding:.55rem 0;font-weight:650;font-size:.92rem;color:#fff;list-style:none;display:flex;justify-content:space-between;align-items:center;min-height:44px}
.disc summary::-webkit-details-marker{display:none}
.disc summary::after{content:"+";font-size:1.2rem;color:var(--amber)}.disc[open] summary::after{content:"−"}
.disc>div{font-size:.86rem;color:#d5e3ea;padding-bottom:.4rem}.disc a{color:#fff}
.disc .res-steps{grid-template-columns:1fr}
.disc .small{font-size:.8rem;color:#b9cfda}
.res-cta{display:block;margin-top:.6rem;padding:.75rem .9rem;border-radius:10px;background:rgba(242,165,65,.14);border:1px solid rgba(242,165,65,.4);color:#fff;text-decoration:none;font-size:.95rem}
.res-cta strong{color:var(--amber)}.res-cta:hover{background:rgba(242,165,65,.24);color:#fff}
.manual{margin-top:.9rem;border-top:1px solid var(--line)}
.manual>summary{cursor:pointer;padding:.7rem 0;color:var(--teal);font-weight:650;min-height:44px;display:flex;align-items:center}
.manual-body{padding-bottom:.4rem}
.stats{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.stat{display:flex;flex-direction:column;gap:.2rem;background:#fff;border:1px solid var(--line);border-top:4px solid var(--amber);border-radius:var(--radius);padding:.9rem 1rem;text-decoration:none;color:var(--ink);box-shadow:var(--shadow)}
.stat b{font-size:1.5rem;color:var(--navy);letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.stat span{font-size:.86rem;color:var(--muted);line-height:1.4}
.stat:hover{border-color:var(--teal);color:var(--ink)}
@media (max-width:640px){
 .hero{padding:1.1rem 0 5.2rem}
 .hero .eyebrow,.hero .badges{display:none}
 .hero h1{font-size:1.75rem;margin:.1rem 0 .4rem}
 .hero .lede{font-size:.95rem;line-height:1.45}
 .herocard{margin-top:-4.4rem!important}
 .calc .calc-title{display:none}
 .stats{grid-template-columns:repeat(2,minmax(0,1fr))}
 .stat b{font-size:1.2rem}.stat span{font-size:.78rem}
 .bar{padding:.5rem .8rem}
}
@media (max-width:640px){
 .bar{flex-wrap:nowrap;justify-content:space-between;gap:.5rem}
 .logo span{font-size:1rem}
 nav.main{overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none;min-width:0}
 nav.main::-webkit-scrollbar{display:none}
 nav.main ul{flex-wrap:nowrap;justify-content:flex-start}
 nav.main li:not(:last-child){display:none}
}
.exrow{margin-top:.7rem}
@media (max-width:640px){.calc h2#calc-h{display:none}}