:root{
  --ink:#101A33; --cobalt:#1B45D7; --deep:#0C2273; --tint:#EAEFFD;
  --rule:#D2DBF0; --mute:#5C6B8C; --pos:#0E8A5F; --neg:#B23A3A; --white:#fff;
  --maxw:1240px; --pad:clamp(16px,4vw,44px);
  --font:'Inter var','Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--font);color:var(--ink);background:var(--white);
  font-size:16px;line-height:1.5;font-feature-settings:"tnum" 1;
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--cobalt)}
h1,h2,h3{letter-spacing:-.03em;line-height:1.1;margin:0 0 .5em}
h1{font-size:clamp(28px,5vw,48px);font-weight:700}
h2{font-size:clamp(22px,3.4vw,30px);font-weight:700}
h3{font-size:clamp(17px,2.2vw,20px);font-weight:650}
p{margin:0 0 1em;max-width:70ch}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad)}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:var(--cobalt);color:#fff;padding:10px 14px;border-radius:6px;z-index:99}
:focus-visible{outline:3px solid var(--cobalt);outline-offset:2px}

/* header */
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;
  min-height:72px;border-bottom:1px solid var(--rule);flex-wrap:wrap}
.mark{font-size:19px;font-weight:700;letter-spacing:-.03em;text-decoration:none;color:var(--ink)}
.mark span{color:var(--cobalt)}
.navlinks{display:flex;gap:clamp(12px,2.4vw,30px);font-size:15px;flex-wrap:wrap}
.navlinks a{color:var(--mute);text-decoration:none}
.navlinks a:hover{color:var(--ink)}

/* hero + calculator */
.hero{display:grid;grid-template-columns:minmax(0,380px) minmax(0,1fr);gap:clamp(24px,4vw,56px);
  padding:clamp(28px,5vw,58px) 0 clamp(24px,4vw,50px);align-items:start}
.lede{font-size:clamp(16px,2vw,17.5px);color:var(--mute);max-width:40ch}
.meta{border-top:1px solid var(--rule);padding-top:16px;font-size:14px;color:var(--mute)}
.meta strong{color:var(--ink);font-weight:600}

.panel{border:1px solid var(--rule);border-radius:14px;overflow:hidden;min-width:0}
.ptop{padding:clamp(18px,3vw,26px)}
.ptitle{font-size:14px;font-weight:600;color:var(--mute);margin:0 0 16px}
.fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px}
.f label{display:block;font-size:13px;color:var(--mute);margin-bottom:6px;font-weight:500}
.f input,.f select{
  width:100%;border:1px solid var(--rule);border-radius:8px;height:46px;padding:0 12px;
  font:inherit;font-size:16px;font-weight:500;color:var(--ink);background:#fff;
  appearance:none;-webkit-appearance:none}
.f select{background-image:url("data:image/svg+xml;charset=UTF-8,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3e%3cpath fill='%235C6B8C' d='M1 1l5 5 5-5'/%3e%3c/svg%3e");
  background-repeat:no-repeat;background-position:right 12px center;background-size:12px;padding-right:34px}
.f input:focus,.f select:focus{border-color:var(--cobalt);box-shadow:0 0 0 3px var(--tint);outline:none}
.seg{display:flex;border:1px solid var(--rule);border-radius:8px;overflow:hidden;height:46px}
.seg button{flex:1;border:0;background:#fff;font:inherit;font-size:14px;color:var(--mute);cursor:pointer;min-width:0;padding:0 4px}
.seg button[aria-pressed="true"]{background:var(--cobalt);color:#fff;font-weight:600}

.result{background:var(--deep);color:#fff;padding:clamp(20px,3vw,30px);
  display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px;align-items:center}
.rlab{font-size:14px;color:#A9BCF2;margin:0 0 6px}
.rbig{font-size:clamp(38px,7vw,60px);font-weight:700;letter-spacing:-.04em;line-height:1;margin:0}
.rbig small{font-size:.5em;font-weight:600;color:#A9BCF2;vertical-align:top;line-height:2}
.rsub{font-size:14.5px;color:#A9BCF2;margin:12px 0 0}
.mini{border-left:1px solid rgba(255,255,255,.18);padding-left:24px;min-width:0}
.mrow{display:flex;justify-content:space-between;gap:12px;font-size:14px;padding:6px 0;color:#CBD7F8}
.mrow b{color:#fff;font-weight:600;white-space:nowrap}

/* sections */
.sect{padding:clamp(34px,5vw,54px) 0;border-top:1px solid var(--rule)}
.sp{font-size:16px;color:var(--mute);margin:0 0 26px;max-width:62ch}
.idx{columns:5 170px;column-gap:30px}
.idx a{display:flex;justify-content:space-between;gap:10px;align-items:baseline;
  border-bottom:1px solid var(--rule);padding:10px 0;font-size:15px;color:var(--ink);
  text-decoration:none;break-inside:avoid}
.idx a:hover{color:var(--cobalt)}
.idx a i{font-style:normal;font-size:12.5px;color:var(--mute)}
.idx a.free i{color:var(--cobalt);font-weight:600}

.three{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:0;border-top:2px solid var(--ink)}
.col{padding:22px 26px 4px 0;border-right:1px solid var(--rule)}
.col:last-child{border-right:0}
.col p{font-size:15px;line-height:1.6;color:var(--mute);max-width:36ch}

/* breakdown table */
.stub{border:1px solid var(--rule);border-radius:14px;overflow:hidden;margin-top:8px}
.stubtop{background:var(--tint);padding:16px 20px;display:flex;justify-content:space-between;
  gap:12px;align-items:center;border-bottom:1px solid var(--rule);flex-wrap:wrap}
.stubtop h2{margin:0;font-size:16px;font-weight:650;letter-spacing:0}
.stubtop span{font-size:13px;color:var(--mute)}
.tblwrap{width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
table.tbl{width:100%;border-collapse:collapse;min-width:min(420px,100%)}
table.tbl td,table.tbl th{overflow-wrap:anywhere}
.tbl th{text-align:right;font-size:12.5px;color:var(--mute);font-weight:500;padding:12px 20px 9px;
  border-bottom:1px solid var(--rule);white-space:nowrap}
.tbl th:first-child{text-align:left}
.tbl td{padding:12px 20px;font-size:15px;border-bottom:1px solid var(--rule);text-align:right;white-space:nowrap}
.tbl td:first-child{text-align:left;white-space:normal}
.tbl tr.net td{background:var(--deep);color:#fff;font-size:18px;font-weight:700;border:0}
.ded{color:var(--neg)}
.zero{color:var(--pos);font-weight:600}

.note{border:1px solid var(--rule);border-left:3px solid var(--pos);border-radius:10px;
  padding:16px 20px;margin-top:24px;background:#fff}
.note p{margin:0;font-size:15px;line-height:1.6;color:var(--mute)}
.note strong{color:var(--ink)}
.cgrid{display:grid;grid-template-columns:minmax(0,350px) minmax(0,1fr);gap:clamp(24px,4vw,48px);
  padding:28px 0 46px}
.faq dt{border-top:1px solid var(--rule);padding:14px 0 4px;font-size:16px;font-weight:600}
.faq dd{margin:0 0 14px;font-size:15px;color:var(--mute);max-width:70ch}
.foot{border-top:1px solid var(--rule);padding:24px 0 40px;font-size:13.5px;color:var(--mute);
  display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.foot a{color:var(--mute)}
.crumb{font-size:13.5px;color:var(--mute);padding:18px 0 0}
.crumb a{color:var(--mute);text-decoration:none}

@media (max-width:860px){
  .hero,.cgrid{grid-template-columns:minmax(0,1fr)}
  .mini{border-left:0;border-top:1px solid rgba(255,255,255,.18);padding-left:0;padding-top:16px}
  .col{border-right:0;border-bottom:1px solid var(--rule);padding:18px 0 14px}
  .col:last-child{border-bottom:0}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}