:root{--bg:#f5f9f7;--surface:#fff;--ink:#0f1e17;--ink-2:#37503f;--muted:#5f7168;--muted-2:#8a998f;--line:#e3ece7;--line-2:#d3e0d8;--brand:#10b981;--brand-600:#059669;--brand-700:#047857;--brand-tint:#e7f7f0;--accent:#0ea5e9;--warn:#f59e0b;--danger:#ef4444;--radius:16px;--maxw:1080px;--shadow-sm:0 1px 3px rgba(15,30,23,.06);--shadow:0 12px 32px -12px rgba(15,30,23,.18);--shadow-lg:0 24px 60px -20px rgba(4,120,87,.28);--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}*{box-sizing:border-box}body,html{margin:0;padding:0}body{background:radial-gradient(900px 480px at 88% -10%,rgba(16,185,129,.1),transparent 60%),radial-gradient(700px 400px at 4% 0,rgba(14,165,233,.08),transparent 55%),var(--bg);color:var(--ink);font-family:var(--font);line-height:1.6;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}h1,h2,h3{margin:0;line-height:1.12;letter-spacing:-.02em;font-weight:800;color:var(--ink)}p{margin:0}.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}.section{padding:80px 0}.muted{color:var(--muted)}.grad{background:linear-gradient(100deg,var(--brand-600),var(--accent));-webkit-background-clip:text;background-clip:text;color:transparent}.eyebrow{font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--brand-700);background:var(--brand-tint);border:1px solid var(--line-2);padding:6px 12px;border-radius:999px}.btn,.eyebrow{display:inline-flex;align-items:center;gap:8px;font-weight:700}.btn{justify-content:center;font-size:15px;padding:13px 22px;border-radius:12px;border:1px solid transparent;cursor:pointer;transition:transform .12s,box-shadow .2s,background .2s;font-family:var(--font)}.btn:active{transform:translateY(1px)}.btn-primary{color:#fff;background:linear-gradient(100deg,var(--brand-600),var(--brand));box-shadow:0 10px 24px -8px rgba(5,150,105,.5)}.btn-primary:hover{box-shadow:0 14px 30px -8px rgba(5,150,105,.62)}.btn-ghost{color:var(--ink);background:#fff;border-color:var(--line-2)}.btn-ghost:hover{border-color:var(--brand)}.btn:disabled{opacity:.55;cursor:not-allowed}.nav{position:-webkit-sticky;position:sticky;top:0;z-index:50;background:rgba(245,249,247,.82);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav-inner{justify-content:space-between;height:66px}.logo,.nav-inner{display:flex;align-items:center}.logo{gap:9px;font-weight:800;font-size:17px;letter-spacing:-.02em}.logo-mark{width:30px;height:30px;border-radius:8px;background:linear-gradient(135deg,var(--brand-600),var(--accent));display:grid;place-items:center;color:#fff;font-size:15px;box-shadow:0 6px 16px -4px rgba(5,150,105,.5)}.nav-links{display:flex;gap:24px;align-items:center}.nav-links a{color:var(--muted);font-size:14.5px;font-weight:600}.nav-links a:hover{color:var(--ink)}.hero{padding:64px 0 28px}.hero h1{font-size:clamp(32px,5vw,56px)}.hero .sub{color:var(--ink-2);font-size:clamp(16px,2.1vw,20px);max-width:640px;margin:20px auto 0}.hero.center{text-align:center}.hero.center .sub{margin-left:auto;margin-right:auto}.trust{display:flex;gap:20px;justify-content:center;flex-wrap:wrap;margin-top:22px;color:var(--muted);font-size:13.5px}.trust span{display:inline-flex;gap:7px;align-items:center}.calc{background:var(--surface);border:1px solid var(--line-2);border-radius:22px;box-shadow:var(--shadow-lg);padding:26px;margin-top:34px}.calc-grid{display:grid;grid-template-columns:1.25fr .75fr;grid-gap:24px;gap:24px}.sub-row{display:grid;grid-template-columns:1fr 118px 40px;grid-gap:10px;gap:10px;align-items:center;margin-bottom:9px}.sub-row input{width:100%;background:#fff;border:1px solid var(--line-2);border-radius:10px;padding:11px 12px;font-size:14.5px;font-family:var(--font);color:var(--ink)}.sub-row input:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px rgba(16,185,129,.16)}.sub-row .cost-wrap{position:relative}.sub-row .cost-wrap:before{content:"$";position:absolute;left:11px;top:50%;transform:translateY(-50%);color:var(--muted-2);font-size:14px}.sub-row .cost-wrap input{padding-left:22px}.sub-row button{background:none;border:none;color:var(--muted-2);font-size:20px;cursor:pointer;border-radius:8px;height:38px}.sub-row button:hover{color:var(--danger);background:#fff0f0}.preset-chips{display:flex;flex-wrap:wrap;gap:8px;margin:6px 0 16px}.preset-chips button{font-size:12.5px;font-weight:600;padding:7px 12px;border-radius:999px;border:1px solid var(--line-2);background:#fff;color:var(--ink-2);cursor:pointer;transition:all .15s}.preset-chips button:hover{border-color:var(--brand);color:var(--brand-700);background:var(--brand-tint)}.add-row{margin-top:4px;font-size:14px;font-weight:700;color:var(--brand-700);background:none;border:none;cursor:pointer;padding:6px 0}.result-card{background:linear-gradient(165deg,var(--brand-700),var(--brand-600));color:#fff;border-radius:18px;padding:24px;position:-webkit-sticky;position:sticky;top:84px}.result-card .lbl{font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:hsla(0,0%,100%,.75)}.result-card .big{font-size:clamp(34px,6vw,46px);font-weight:800;margin:2px 0;letter-spacing:-.02em}.result-card .row2{display:flex;justify-content:space-between;gap:12px;margin-top:16px;padding-top:16px;border-top:1px solid hsla(0,0%,100%,.18)}.result-card .row2 .n{font-size:20px;font-weight:800}.result-card .row2 .s{font-size:12px;color:hsla(0,0%,100%,.75)}.result-card .cta{margin-top:20px}.result-card .cta a{width:100%;background:#fff;color:var(--brand-700)}.result-card .fine{font-size:11.5px;color:hsla(0,0%,100%,.7);margin-top:10px}.savings-note{background:hsla(0,0%,100%,.14);border-radius:11px;padding:12px 14px;font-size:13.5px;margin-top:14px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:18px;gap:18px}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm)}.card h3{font-size:18px;margin-bottom:8px}.card p{color:var(--muted);font-size:14.5px}.step-n{width:32px;height:32px;border-radius:9px;display:grid;place-items:center;font-weight:800;color:var(--brand-700);background:var(--brand-tint);border:1px solid var(--line-2);margin-bottom:12px}.sec-head{text-align:center;max-width:620px;margin:0 auto 40px}.sec-head h2{font-size:clamp(26px,3.6vw,36px)}.sec-head p{color:var(--muted);margin-top:12px;font-size:17px}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:2px 18px;margin-bottom:11px}.faq summary{cursor:pointer;font-weight:700;padding:15px 0;font-size:15.5px;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq details[open] summary{color:var(--brand-700)}.faq p{color:var(--muted);padding:0 0 15px;font-size:15px}.lead{background:var(--surface);border:1px solid var(--line-2);border-radius:18px;box-shadow:var(--shadow);padding:26px;max-width:460px;margin:0 auto}.lead .field{display:grid;grid-gap:6px;gap:6px;margin-bottom:12px}.lead label{font-size:13px;font-weight:700;color:var(--ink-2)}.lead input{width:100%;background:#fff;border:1px solid var(--line-2);border-radius:10px;padding:12px 13px;font-size:14.5px;font-family:var(--font)}.lead input:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px rgba(16,185,129,.16)}.ok-msg{background:var(--brand-tint);border:1px solid var(--line-2);color:var(--brand-700);border-radius:12px;padding:18px;font-size:15px;font-weight:600}.err{color:var(--danger);font-size:13.5px;margin-top:8px}.guide-list{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:18px;gap:18px}.guide-card{display:flex;flex-direction:column;gap:8px;transition:transform .12s,box-shadow .2s,border-color .2s}.guide-card:hover{transform:translateY(-2px);border-color:var(--brand);box-shadow:var(--shadow)}.guide-card h3{font-size:18px}.guide-meta{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted-2)}.guide-more{margin-top:auto;padding-top:6px;font-weight:700;font-size:14px;color:var(--brand-700)}.guide-article{max-width:720px;padding-top:40px;padding-bottom:20px}.guide-crumbs{font-size:13px;color:var(--muted-2);margin-bottom:18px}.guide-crumbs a{color:var(--brand-700);font-weight:600}.guide-crumbs span{margin:0 4px}.guide-title{font-size:clamp(28px,4.4vw,44px);margin-top:14px}.guide-lede{color:var(--ink-2);font-size:clamp(16px,2vw,20px);margin-top:16px;line-height:1.55}.guide-body{margin-top:8px}.guide-h2{font-size:clamp(21px,2.8vw,27px);margin-top:38px}.guide-p{margin-top:16px}.guide-ol,.guide-p,.guide-ul{color:var(--ink-2);font-size:16.5px;line-height:1.7}.guide-ol,.guide-ul{margin:16px 0 0;padding-left:22px}.guide-ol li,.guide-ul li{margin-bottom:10px}.guide-ul li::marker{color:var(--brand-600)}.guide-ol li::marker{color:var(--brand-700);font-weight:700}.guide-callout{background:var(--brand-tint);border:1px solid var(--line-2);border-left:4px solid var(--brand);border-radius:12px;padding:16px 18px;margin-top:22px;color:var(--ink-2);font-size:15.5px;line-height:1.65}.guide-cta{margin-top:34px;display:flex;gap:18px;align-items:center;flex-wrap:wrap;justify-content:space-between}.guide-cta>div{flex:1 1 320px}.guide-foot{margin-top:40px;border-top:1px solid var(--line);padding-top:22px}.guide-back{font-weight:700;color:var(--brand-700);font-size:15px}.footer{border-top:1px solid var(--line);padding:34px 0;color:var(--muted-2);font-size:13.5px}.footer-inner{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center}.disclaimer{font-size:12px;color:var(--muted-2);max-width:720px;margin:14px auto 0;text-align:center}@media (max-width:820px){.nav-links{display:none}.calc-grid{grid-template-columns:1fr}.result-card{position:static}.grid3,.guide-list{grid-template-columns:1fr}.section{padding:56px 0}}