:root{--navy:#173a35;--blue:#087564;--pale:#e8f5f0;--ink:#1d2c28;--muted:#64736e;--line:#d9e4de;--bg:#fafaf7;--white:#fff;--orange:#ba7c28}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--bg);color:var(--ink);margin:0;font:15px/1.6 Inter,Arial,sans-serif}a{color:inherit;text-decoration:none}h1,h2,h3{color:var(--navy);line-height:1.25}h1{letter-spacing:-1.4px;font-size:clamp(2rem,4vw,2.8rem)}h2{letter-spacing:-.6px;font-size:1.65rem}.container{width:min(1120px,100% - 40px);margin:auto}.header{border-bottom:1px solid var(--line);background:#fff;align-items:center;height:70px;display:flex}.nav{justify-content:space-between;align-items:center;display:flex}.brand{letter-spacing:-.8px;color:var(--navy);font-size:1.25rem;font-weight:800}.brand span{color:var(--blue)}.navLinks{color:#4e625c;align-items:center;gap:24px;font-weight:600;display:flex}.navLinks details{position:relative}.navLinks summary,.mobileNav summary{cursor:pointer;list-style:none}.dropdown{border:1px solid var(--line);background:#fff;border-radius:7px;width:180px;padding:8px;position:absolute;top:28px;left:-20px;box-shadow:0 8px 20px #173a3518}.dropdown a,.mobileNav a{padding:7px 10px;display:block}.mobileNav{display:none;position:relative}.mobileNav>div{border:1px solid var(--line);background:#fff;border-radius:8px;width:210px;padding:10px;position:absolute;top:32px;right:0;box-shadow:0 12px 24px #173a351c}.button{background:var(--blue);color:#fff;border:1px solid var(--blue);cursor:pointer;border-radius:7px;padding:11px 17px;font-weight:700;display:inline-block}.button:hover{background:#065d50;border-color:#065d50}.button:active{transform:translateY(1px)}.compact{padding:9px 13px}.outline{color:var(--navy);background:#fff;border-color:#b9cec7}.hero{border-bottom:1px solid var(--line);background:linear-gradient(110deg,#fbfdfb,#eaf5f0);padding:66px 0}.heroGrid{grid-template-columns:1.15fr .85fr;align-items:center;gap:60px;display:grid}.eyebrow{color:var(--blue);letter-spacing:1.1px;text-transform:uppercase;margin:0 0 10px;font-size:.72rem;font-weight:800}.hero h1{max-width:570px;margin:0}.hero p:not(.eyebrow){max-width:560px;color:var(--muted);font-size:1.08rem}.actions{gap:12px;display:flex}.heroCard,.panel,.card,.content article,.steps article,.guides article{background:var(--white);border:1px solid var(--line);border-radius:9px}.heroCard{padding:25px;box-shadow:0 12px 28px #173a3510}.heroCard strong{color:var(--navy);margin-top:8px;font-size:2.15rem;display:block}.heroCard small{color:var(--muted)}.heroCard>div:last-child{color:var(--muted);justify-content:space-between;margin-top:8px;display:flex}.bar{background:#e6eee9;border-radius:8px;height:8px;margin:21px 0}.bar i{background:var(--blue);border-radius:8px;width:54%;height:100%;display:block}.section,.page{padding:58px 0}.intro{color:var(--muted);margin-top:-12px}.cards{grid-template-columns:repeat(3,1fr);gap:17px;margin-top:25px;display:grid}.card{padding:20px;transition:border-color .18s,transform .18s,box-shadow .18s}.card:hover{border-color:#9bcdbf;transform:translateY(-2px);box-shadow:0 10px 24px #173a3510}.card i{background:var(--pale);width:40px;height:40px;color:var(--blue);border-radius:7px;place-items:center;font-size:1.2rem;font-style:normal;display:grid}.card h3{margin:15px 0 5px;font-size:1rem}.card p{min-height:46px;color:var(--muted);margin:0 0 16px;font-size:.88rem}.card a{color:var(--blue);font-size:.86rem;font-weight:700}.band,.guideBand{border-block:1px solid var(--line);background:#fff;padding:55px 0}.benefits{grid-template-columns:repeat(4,1fr);gap:23px;display:grid}.benefits b,.steps b{color:var(--blue)}.benefits h3,.steps h3{margin:8px 0 3px;font-size:1rem}.benefits p,.steps p{color:var(--muted);margin:0;font-size:.88rem}.steps{grid-template-columns:repeat(3,1fr);gap:18px;margin-top:25px;display:grid}.steps article{padding:20px}.steps b{background:var(--pale);border-radius:50%;place-items:center;width:28px;height:28px;display:grid}.ad{color:#77968a;letter-spacing:1px;text-transform:uppercase;border:1px dashed #a9c5ba;place-items:center;width:min(1120px,100% - 40px);height:90px;margin:0 auto 50px;font-size:.7rem;display:grid}.guideBand{background:#f1f6f3}.guides{grid-template-columns:repeat(5,1fr);gap:13px;display:grid}.guides article{flex-direction:column;justify-content:space-between;min-height:100px;padding:15px;font-size:.86rem;font-weight:700;display:flex}.guides span{color:var(--blue);font-size:.78rem}.crumb{color:var(--muted);padding-bottom:22px;font-size:.82rem}.crumb a{color:var(--blue)}.pageHead{max-width:730px;margin-bottom:28px}.pageHead h1{margin:0}.pageHead p:last-child{color:var(--muted);margin:9px 0;font-size:1.05rem}.calculator{grid-template-columns:1.15fr .85fr;gap:20px;display:grid}.panel{padding:25px}.panel h2{margin-top:0;font-size:1.1rem}.field{margin-bottom:19px;font-size:.9rem;font-weight:700;display:block}.input{border:1px solid #b9ccc4;border-radius:7px;height:46px;margin-top:7px;display:flex;overflow:hidden}.input input,.field select,.field textarea,.contact input{width:100%;font:inherit;background:#fff;border:0;outline:0;padding:0 12px}.input:focus-within,.field select:focus,.contact input:focus,.field textarea:focus{border-color:var(--blue);outline:3px solid #a9dbc9}.input b{color:var(--muted);border-left:1px solid var(--line);white-space:nowrap;background:#f2f7f4;padding:11px 12px}.field select{border:1px solid #b9ccc4;border-radius:7px;height:46px;margin-top:7px}.error{color:#b42318;margin-top:4px;font-weight:500;display:block}.shortcuts{gap:8px;margin:-9px 0 18px;display:flex}.shortcuts button,.toggle button{border:1px solid var(--line);color:var(--navy);cursor:pointer;background:#fff;border-radius:6px;padding:6px 10px;font-weight:700}.toggle{gap:7px;margin-top:4px;display:flex}.toggle .selected{background:var(--pale);border-color:var(--blue);color:var(--blue)}.results{background:var(--navy);color:#fff;height:max-content}.results p{color:#c5d9d1;margin:0}.results>strong{margin:5px 0 18px;font-size:2.25rem;display:block}.results .error{color:#ffc8c8}.donut{border-radius:50%;width:88px;height:88px;margin:16px 0;position:relative}.donut i{background:var(--navy);border-radius:50%;position:absolute;inset:16px}.legend{color:#c5d9d1;gap:13px;margin-bottom:14px;font-size:.75rem;display:flex}.legend span:last-child{color:#f4c176}.results dl{border-top:1px solid #ffffff30;margin:0;padding-top:8px}.results dl div{justify-content:space-between;padding:7px 0;font-size:.84rem;display:flex}.results dt{color:#c5d9d1}.results dd{margin:0;font-weight:700}.tableWrap{border:1px solid var(--line);background:#fff;border-radius:9px;grid-column:1/-1;overflow:auto}.tableWrap h2{padding:0 20px;font-size:1.1rem}table{border-collapse:collapse;width:100%;min-width:650px;font-size:.83rem}th,td{text-align:right;border-top:1px solid #e5eee9;padding:10px 16px}th{color:#61756c;background:#f2f7f4;font-size:.75rem}th:first-child,td:first-child{text-align:left}.content{grid-template-columns:1.2fr .8fr;gap:20px;margin:48px 0 25px;display:grid}.content article{padding:24px}.content h2{font-size:1.15rem}.content p{color:var(--muted)}pre{white-space:pre-wrap;border-left:3px solid var(--blue);background:#f2f7f4;padding:13px;font-size:.82rem}details{border-top:1px solid var(--line);padding:13px 0}summary{cursor:pointer;font-weight:700}.notice{border-left:3px solid var(--orange);color:#6a521f;background:#fff8ef;padding:15px}.related{margin:48px 0}.related a{color:var(--blue);margin:0 18px 10px 0;font-weight:700;display:inline-block}.info{max-width:760px;min-height:55vh}.info>p{color:var(--muted);font-size:1.05rem}.contact{gap:15px;margin-top:25px;display:grid}.contact label{font-weight:700}.contact input,.contact textarea{border:1px solid #b9ccc4;border-radius:7px;height:45px;margin-top:5px;display:block}.contact textarea{width:100%;height:110px;padding:10px}.footer{background:var(--navy);color:#d4e2dc;padding:40px 0 20px}.footerGrid{grid-template-columns:2fr 1fr 1fr;gap:35px;display:grid}.footer h2{color:#fff;font-size:.9rem}.footer a:not(.brand){margin:6px 0;font-size:.84rem;display:block}.footer p{max-width:310px;font-size:.85rem}.light{color:#fff}.disclaimer{border-top:1px solid #ffffff25;justify-content:space-between;gap:15px;margin-top:22px;padding-top:17px;font-size:.72rem;display:flex}.button:focus-visible,a:focus-visible,button:focus-visible,summary:focus-visible{outline-offset:3px;outline:3px solid #8fd7c4}@media (max-width:750px){.container{width:min(100% - 32px,580px)}.navLinks{display:none}.mobileNav{display:block}.hero{padding:44px 0}.heroGrid,.calculator,.content{grid-template-columns:1fr;gap:22px}.heroCard{display:none}.cards,.benefits,.guides{grid-template-columns:1fr 1fr}.section,.page{padding:42px 0}.footerGrid{grid-template-columns:1fr 1fr}}@media (max-width:430px){.cards,.benefits,.steps,.guides,.footerGrid{grid-template-columns:1fr}.actions{flex-direction:column;align-items:stretch}.button{text-align:center}.panel{padding:19px}.results>strong{font-size:1.9rem}.disclaimer{display:block}.disclaimer span{margin-top:10px;display:block}}