:root{--ink: oklch(.28 .03 155);--ink-soft: oklch(.45 .025 155);--brand: oklch(.35 .07 160);--brand-2: oklch(.42 .08 160);--accent: oklch(.88 .14 95);--accent-ink: oklch(.32 .06 85);--mint: oklch(.58 .11 165);--mint-soft: oklch(.95 .03 165);--line: oklch(.88 .015 155);--line-soft: oklch(.94 .012 155);--bg: oklch(.99 .008 145);--bg-soft: oklch(.96 .015 150);--paper: oklch(.985 .012 95);--warn-bg: oklch(.96 .04 95);--warn-line: oklch(.85 .08 95);--radius: 12px;--radius-sm: 8px;--shadow: 0 1px 0 oklch(.28 .03 155 / .04), 0 10px 28px oklch(.28 .03 155 / .06);--maxw: 980px;--font: "Figtree", "Segoe UI", sans-serif;--font-display: "Fraunces", Georgia, "Times New Roman", serif;--ease-out: cubic-bezier(.16, 1, .3, 1);--space: 1.5rem}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--font);color:var(--ink);background:radial-gradient(900px 420px at 8% -8%,oklch(.9 .05 165 / .45),transparent 55%),radial-gradient(700px 380px at 100% 0%,oklch(.93 .04 95 / .35),transparent 50%),var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}body:before{content:"";position:fixed;top:0;right:0;bottom:0;left:0;pointer-events:none;opacity:.035;z-index:1000;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}a{color:var(--brand-2);text-underline-offset:3px}h1,h2,h3{line-height:1.15;color:var(--ink);font-family:var(--font-display);font-weight:600;text-wrap:balance}h1{font-size:clamp(2rem,5vw,3.15rem);margin:0 0 .65rem;letter-spacing:-.03em}h2{font-size:clamp(1.35rem,3vw,1.85rem);margin:2.2rem 0 .8rem;letter-spacing:-.02em}h3{font-size:1.12rem;margin:1.5rem 0 .5rem;font-family:var(--font);font-weight:700;letter-spacing:-.01em}p{margin:0 0 1rem}.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 clamp(1rem,3vw,1.4rem)}main{min-height:60vh;padding:clamp(1.5rem,3vw,2.4rem) 0 clamp(3rem,6vw,4rem)}.page-head{padding:.5rem 0 .75rem}.page-head .eyebrow,.eyebrow{color:var(--mint);font-family:var(--font);font-weight:700;font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:.55rem}.lead{font-size:clamp(1.05rem,2vw,1.2rem);color:var(--ink-soft);max-width:58ch;line-height:1.55}.site-header{position:sticky;top:0;z-index:40;background:#f9fdf8db;-webkit-backdrop-filter:saturate(160%) blur(12px);backdrop-filter:saturate(160%) blur(12px);border-bottom:1px solid var(--line)}.site-header .bar{display:flex;align-items:center;gap:1rem;height:66px}.brand{display:inline-flex;align-items:center;gap:.6rem;font-weight:800;color:var(--brand);text-decoration:none;font-size:1.02rem;letter-spacing:-.02em}.brand .tick{width:32px;height:32px;border-radius:10px;background:linear-gradient(145deg,var(--brand-2),var(--brand));display:grid;place-items:center;flex:none;box-shadow:inset 0 1px #ffffff26}.brand .tick svg{width:18px;height:18px}.nav{display:flex;gap:.2rem;margin-left:auto;align-items:center}.nav a{color:var(--ink-soft);text-decoration:none;font-weight:600;font-size:.92rem;padding:.5rem .72rem;border-radius:999px;transition:background .18s var(--ease-out),color .18s var(--ease-out)}.nav a:hover{background:var(--mint-soft);color:var(--ink)}.nav a.active{color:var(--brand);background:var(--mint-soft)}.nav-toggle{margin-left:auto;display:none;border:1px solid var(--line);background:var(--paper);border-radius:8px;padding:.45rem .65rem;font-size:1.1rem;cursor:pointer}@media (max-width: 860px){.nav-toggle{display:block}.nav{display:none;position:absolute;top:66px;left:0;right:0;flex-direction:column;align-items:stretch;gap:.15rem;background:var(--paper);border-bottom:1px solid var(--line);padding:.65rem 1rem 1rem;box-shadow:var(--shadow)}.nav.open{display:flex;animation:rise .32s var(--ease-out)}.nav a{padding:.75rem;border-radius:10px}}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-weight:700;font-size:.98rem;font-family:inherit;padding:.85rem 1.35rem;border-radius:999px;border:1px solid transparent;cursor:pointer;text-decoration:none;transition:transform .1s var(--ease-out),background .18s var(--ease-out),box-shadow .18s var(--ease-out),border-color .18s var(--ease-out)}.btn:active{transform:translateY(1px) scale(.99)}.btn:focus-visible{outline:2px solid var(--mint);outline-offset:3px}.btn-primary{background:var(--brand);color:#f4faf4;box-shadow:0 1px #ffffff1f inset,0 8px 20px #0f452e38}.btn-primary:hover{background:var(--brand-2)}.btn-secondary{background:var(--paper);color:var(--brand);border-color:var(--line)}.btn-secondary:hover{background:var(--mint-soft);border-color:#a7c6b7}.btn-accent{background:var(--accent);color:var(--accent-ink);box-shadow:0 8px 18px #c6ad4c47}.btn-accent:hover{filter:brightness(.98)}.btn-lg{padding:1rem 1.65rem;font-size:1.04rem}.btn-block{width:100%}.hero{position:relative;overflow:hidden;background:linear-gradient(120deg,#ecf9ee,#fdfaef 55%,#e3f8ee);border-bottom:1px solid var(--line)}.hero:after{content:"";position:absolute;right:-8%;top:10%;width:min(46vw,420px);height:min(46vw,420px);border-radius:40% 60% 55% 45%;background:radial-gradient(circle at 35% 35%,oklch(.88 .14 95 / .55),transparent 55%),radial-gradient(circle at 70% 70%,oklch(.7 .1 165 / .25),transparent 60%);pointer-events:none}.hero-inner{position:relative;z-index:1;padding:clamp(2.6rem,7vw,4.4rem) 0 clamp(2.4rem,5vw,3.4rem);max-width:42rem;animation:rise .7s var(--ease-out)}.hero h1{max-width:14ch}.hero .lead{font-size:clamp(1.08rem,2.2vw,1.22rem)}.hero-actions{display:flex;flex-wrap:wrap;gap:.7rem;margin-top:1.7rem}.trust-line{margin-top:1.5rem;font-size:.9rem;color:var(--ink-soft);display:flex;align-items:center;gap:.55rem}.trust-line .dot{color:var(--mint)}.grid{display:grid;gap:.9rem;grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}.grid.cols-2{grid-template-columns:repeat(auto-fill,minmax(290px,1fr))}.card{display:block;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem 1.3rem;text-decoration:none;color:inherit;transition:border-color .2s var(--ease-out),transform .2s var(--ease-out),box-shadow .2s var(--ease-out)}a.card:hover{border-color:#7ab39a;transform:translateY(-3px);box-shadow:var(--shadow)}.card h3{margin:.15rem 0 .4rem}.card p{margin:0;color:var(--ink-soft);font-size:.95rem}.card .card-ico{display:inline-flex;align-items:center;justify-content:center;min-width:2rem;height:1.55rem;padding:0 .55rem;border-radius:999px;background:var(--mint-soft);color:var(--brand);font-size:.72rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;font-family:var(--font)}.card .go{margin-top:.95rem;color:var(--brand-2);font-weight:700;font-size:.9rem}.section{padding:clamp(1.4rem,3vw,2rem) 0}.section-soft{background:#ebf7edb3;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.prose{max-width:68ch}.prose ul,.prose ol{padding-left:1.25rem}.prose li{margin:.35rem 0}.note,.warn{border-radius:var(--radius-sm);padding:1rem 1.15rem;margin:1.25rem 0;font-size:.96rem}.note{background:var(--mint-soft);border:1px solid oklch(.86 .05 165)}.warn{background:var(--warn-bg);border:1px solid var(--warn-line)}.note strong,.warn strong{display:block;margin-bottom:.25rem;font-family:var(--font)}.field{margin-bottom:1.1rem}.field label{display:block;font-weight:600;margin-bottom:.35rem;font-size:.95rem}.field .hint{font-weight:400;color:var(--ink-soft);font-size:.85rem}input[type=number],input[type=text],select{width:100%;padding:.75rem .85rem;border:1px solid var(--line);border-radius:var(--radius-sm);font-size:1rem;font-family:inherit;background:var(--paper);color:var(--ink);transition:border-color .15s var(--ease-out),box-shadow .15s var(--ease-out)}input:focus,select:focus,.opt-btn:focus-visible,.chip:focus-visible{outline:2px solid var(--mint);outline-offset:1px;border-color:var(--mint)}.input-money{position:relative}.input-money span{position:absolute;left:.85rem;top:50%;transform:translateY(-50%);color:var(--ink-soft)}.input-money input{padding-left:1.75rem}.chips{display:flex;flex-wrap:wrap;gap:.5rem}.chip{border:1px solid var(--line);background:var(--paper);border-radius:999px;padding:.5rem .95rem;font-size:.92rem;cursor:pointer;font-family:inherit;color:var(--ink);transition:background .15s var(--ease-out),border-color .15s var(--ease-out),color .15s var(--ease-out)}.chip[aria-pressed=true]{background:var(--brand);color:#f4faf4;border-color:var(--brand)}.switch-row{display:flex;gap:.5rem}.switch-row .chip{flex:1;text-align:center}.calc-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:1.4rem;align-items:start}@media (max-width: 780px){.calc-grid{grid-template-columns:1fr}}.panel{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:1.35rem}.result-panel{position:sticky;top:82px;background:linear-gradient(160deg,var(--brand-2),var(--brand));color:#ecf9ee;border-radius:var(--radius);padding:1.45rem;box-shadow:var(--shadow)}.result-panel h3{color:inherit;margin-top:0;font-family:var(--font-display)}.result-panel .big{font-family:var(--font-display);font-size:clamp(2rem,4vw,2.45rem);font-weight:700;letter-spacing:-.03em;color:var(--accent)}.result-row{display:flex;justify-content:space-between;gap:1rem;padding:.55rem 0;border-bottom:1px solid oklch(1 0 0 / .14);font-size:.95rem}.result-row:last-child{border-bottom:none}.result-row span:last-child{font-weight:700}.result-panel a.btn{margin-top:1rem}.cost-row{display:grid;grid-template-columns:1fr 130px 90px;gap:.6rem;align-items:center;margin-bottom:.6rem}.cost-row .lbl{font-size:.94rem}.cost-row .opt{font-size:.8rem;color:var(--ink-soft)}@media (max-width: 520px){.cost-row{grid-template-columns:1fr 110px}.cost-row .opt{grid-column:1 / -1}}.table-wrap{overflow-x:auto}table.data{width:100%;border-collapse:collapse;font-size:.94rem}table.data th,table.data td{text-align:left;padding:.7rem .75rem;border-bottom:1px solid var(--line);vertical-align:top}table.data th{background:var(--bg-soft);font-weight:700}.progress{height:6px;background:var(--line-soft);border-radius:999px;overflow:hidden;margin:1rem 0 1.5rem}.progress>span{display:block;height:100%;background:linear-gradient(90deg,var(--mint),var(--brand-2));transition:width .32s var(--ease-out)}.q-card{background:var(--paper);border:1px solid var(--line);border-radius:calc(var(--radius) + 2px);padding:clamp(1.3rem,3vw,1.75rem);box-shadow:var(--shadow);animation:rise .45s var(--ease-out)}.q-card .q-num{color:var(--mint);font-weight:700;font-size:.78rem;text-transform:uppercase;letter-spacing:.1em}.q-card h2{margin:.35rem 0 1.2rem}.opt-list{display:grid;gap:.55rem}.opt-btn{text-align:left;border:1px solid var(--line);background:var(--bg);border-radius:var(--radius-sm);padding:.9rem 1rem;font-size:1rem;font-family:inherit;cursor:pointer;color:var(--ink);transition:border-color .15s var(--ease-out),background .15s var(--ease-out),transform .1s var(--ease-out)}.opt-btn:hover{border-color:#7ab39a;background:var(--mint-soft)}.opt-btn.selected{border-color:var(--brand);background:var(--mint-soft);font-weight:600;box-shadow:inset 3px 0 0 var(--brand)}.q-actions{display:flex;justify-content:space-between;margin-top:1.4rem;gap:.75rem}.result-block{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;margin-bottom:1.1rem;background:var(--paper)}.result-block>header{padding:.85rem 1.15rem;font-weight:700;display:flex;align-items:center;gap:.5rem;font-family:var(--font)}.result-block.now>header{background:var(--brand);color:#f4faf4}.result-block.soon>header{background:var(--mint-soft)}.result-block.risk>header{background:var(--warn-bg)}.result-block ul{margin:0;padding:.95rem 1.15rem .95rem 2.1rem}.result-block li{margin:.4rem 0}.result-block li a{font-weight:600}.tag{display:inline-block;font-size:.75rem;font-weight:700;padding:.1rem .5rem;border-radius:999px;background:var(--mint-soft);color:var(--brand);margin-left:.4rem}.crumb{font-size:.86rem;color:var(--ink-soft);margin-bottom:.55rem}.crumb a{color:var(--ink-soft)}.site-footer{background:linear-gradient(165deg,var(--brand-2),var(--brand));color:#c7ded1;padding:2.7rem 0 2.1rem;font-size:.92rem}.site-footer a{color:#ecf9ee;text-decoration:none}.site-footer a:hover{text-decoration:underline}.footer-grid{display:grid;grid-template-columns:1.45fr 1fr 1fr;gap:1.6rem}@media (max-width: 700px){.footer-grid{grid-template-columns:1fr 1fr}}.footer-grid h4{color:#f8fef8;margin:0 0 .65rem;font-size:.92rem;font-family:var(--font)}.footer-grid ul{list-style:none;margin:0;padding:0}.footer-grid li{margin:.38rem 0}.footer-bottom{margin-top:1.9rem;padding-top:1.2rem;border-top:1px solid oklch(1 0 0 / .14);font-size:.82rem;color:#a2c0af}.external:after{content:" ↗";font-size:.8em;opacity:.7}.link-list{list-style:none;padding:0;margin:0}.link-list li{padding:.75rem 0;border-bottom:1px solid var(--line)}.link-list li:last-child{border-bottom:none}.link-list .desc{display:block;color:var(--ink-soft);font-size:.9rem;margin-top:.15rem}.pill-row{display:flex;flex-wrap:wrap;gap:.4rem;margin:.6rem 0 1rem}.pill{background:var(--bg-soft);border:1px solid var(--line);border-radius:999px;padding:.25rem .7rem;font-size:.85rem;color:var(--ink-soft)}.cta-band{background:linear-gradient(135deg,var(--brand),oklch(.4 .08 175));color:#f4faf4;border-radius:calc(var(--radius) + 4px);padding:clamp(1.4rem,3vw,1.85rem);margin:2rem 0 0;position:relative;overflow:hidden}.cta-band:after{content:"";position:absolute;right:-10%;bottom:-40%;width:220px;height:220px;border-radius:50%;background:#f4d66033;pointer-events:none}.cta-band h3{color:inherit;margin-top:0;font-family:var(--font-display);position:relative}.cta-band p{color:#c7ded1;position:relative}.cta-band .btn{position:relative}.muted{color:var(--ink-soft);font-size:.9rem}.center{text-align:center}.mt-0{margin-top:0}@keyframes rise{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.reveal{animation:rise .6s var(--ease-out) both}.reveal-delay-1{animation-delay:80ms}.reveal-delay-2{animation-delay:.16s}.reveal-delay-3{animation-delay:.24s}@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition-duration:.01ms!important}}