:root{color-scheme:light;--blue:#005382;--ink:#183645;--green:#276601;--lightgreen:#96C679;--muted:#536e7b;--line:#d7e3e7;--soft:#f5f9f8;--softgreen:#eef7e9;--shadow:0 16px 42px #0538500b;font-family:Inter,'Segoe UI',Arial,sans-serif;color:var(--ink);background:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:105px}body{margin:0;line-height:1.55;font-size:16px}a{color:var(--blue);text-decoration:none}button,input{font:inherit}a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid #5e9fbc;outline-offset:3px}button{cursor:pointer}.wrap{width:min(1060px,calc(100% - 48px));margin:auto}p{margin:0}h1,h2,h3{letter-spacing:-.8px;line-height:1.22}h1{font-size:clamp(2.15rem,4.5vw,3.45rem);max-width:735px;margin:18px 0}h2{font-size:clamp(1.5rem,2.6vw,2.05rem);margin:0 0 6px}h3{font-size:1.25rem;margin:0 0 8px}.site-header{background:#fff;border-bottom:1px solid var(--line)}.head-inner{display:flex;justify-content:space-between;align-items:center;gap:22px;min-height:95px}.brand{display:flex;align-items:center;width:155px;flex:none}.brand img{display:block;width:auto;height:68px;max-width:155px;object-fit:contain;object-position:left center}.back{font-size:14px;font-weight:700}.back span{color:var(--green);margin-left:10px}.eyebrow{letter-spacing:1.3px;font-size:11px;font-weight:800;color:var(--blue)}.dot{display:inline-block;width:7px;height:7px;border-radius:50%;background:var(--green);margin-right:6px}.hero{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(225px,.7fr);gap:42px;align-items:center;padding:48px 0 56px}.hero>div>p:nth-of-type(2){color:var(--muted);font-size:17px;max-width:690px}.intro-meta{display:flex;gap:8px;flex-wrap:wrap;margin-top:19px}.intro-meta span{background:#f2f8f2;color:#2b5e19;border:1px solid #d9e9d3;border-radius:30px;padding:4px 11px;font-size:12px;font-weight:700}.hero-note{background:var(--blue);color:#fff;min-height:215px;border-radius:18px;padding:25px;display:flex;flex-direction:column;justify-content:space-between;gap:14px}.hero-note strong{font-size:20px;line-height:1.3;letter-spacing:-.4px}.hero-note small{color:#d5e6ec;line-height:1.55}.icon-large{color:var(--lightgreen);font-size:35px;line-height:1}.main{padding-bottom:44px}.card{border:1px solid var(--line);border-radius:22px;padding:35px 38px;box-shadow:var(--shadow)}.form-card{max-width:900px;margin:auto}.step-heading{display:flex;gap:18px;align-items:flex-start;margin-bottom:22px}.step{display:grid;place-items:center;flex:none;width:45px;height:45px;border-radius:13px;background:var(--softgreen);color:var(--green);font-size:18px;font-weight:850}.step-heading p:last-child{color:var(--muted);font-size:14px;margin-top:7px}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px 18px}.field{min-width:0;display:flex;flex-direction:column}.field>label:not(.checkline){font-size:14px;font-weight:750;line-height:1.45;min-height:43px;margin-bottom:7px}.field>small{color:var(--muted);font-size:12px;line-height:1.5;margin-top:8px}.money-wrap{display:flex;align-items:center;border:1.5px solid #cbdbe0;border-radius:12px;min-width:0;background:#fff;min-height:61px;transition:border-color .15s}.money-wrap:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px #0053820c}.money-wrap>span{font-size:19px;font-weight:700;color:#6d8995;margin-left:18px}.money-wrap input{font-size:23px;font-weight:720;letter-spacing:-.5px;color:var(--ink);border:0;background:transparent;padding:15px 12px 15px 9px;outline:0;width:100%;min-width:0;max-width:100%}.money-wrap input:focus-visible{outline:0}.money-wrap input[readonly]{color:var(--muted);background:#f4f7f8}.money-wrap:has(input[readonly]){overflow:hidden;background:#f4f7f8}.money-wrap:has(input[data-invalid=true]){border-color:#a62d2d;background:#fff6f5}.sep{height:1px;background:var(--line);border:0;margin:35px 0}.substep{margin-bottom:18px}.choices{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;border:0;padding:0;margin:0}.choice{display:block;cursor:pointer;min-width:0;position:relative}.choice input{position:absolute;opacity:0;width:1px;height:1px}.choice-inner{height:100%;min-height:153px;display:flex;flex-direction:column;gap:11px;border:1.5px solid var(--line);border-radius:14px;padding:18px;background:#fff;transition:background .2s,border-color .2s}.choice-title{display:block;font-size:15px;font-weight:800;line-height:1.32}.choice-tag{font-size:10px;letter-spacing:.7px;font-weight:800;color:var(--green);background:var(--softgreen);border-radius:7px;padding:3px 6px;white-space:nowrap}.choice-desc{color:var(--muted);font-size:12px;line-height:1.5}.choice input:checked+.choice-inner{border-color:var(--green);background:var(--softgreen);box-shadow:inset 0 0 0 1px #a1c892}.choice input:focus-visible+.choice-inner{outline:3px solid #78abc1;outline-offset:3px}.single-field{margin-top:24px;max-width:470px}.single-field .field>label{min-height:0}.advanced{border:1px solid var(--line);border-radius:14px;margin-top:26px;background:#fafcfb}.advanced summary{display:flex;align-items:center;gap:10px;flex-wrap:wrap;justify-content:space-between;padding:17px 19px;cursor:pointer;list-style:none}.advanced summary::-webkit-details-marker{display:none}.advanced summary strong{color:var(--blue);font-size:14px}.advanced summary span{color:var(--muted);font-size:12px}.advanced-content{border-top:1px solid var(--line);padding:20px}.advanced-content>p{font-size:13px;color:var(--muted);margin-bottom:15px}.checkline{display:flex;align-items:center;gap:8px;font-size:12px;color:var(--muted);margin:4px 0 10px;cursor:pointer}.checkline input{width:18px;height:18px;accent-color:var(--blue);flex:none}.advanced .field>label:not(.checkline){min-height:42px}.advanced .money-wrap input{font-size:19px}.field-error{padding:12px 16px;background:#fff3f0;border:1px solid #eab4a8;color:#972e1e;border-radius:9px;margin-top:20px;font-size:14px;font-weight:700}.field-error[hidden]{display:none}.form-action{display:flex;align-items:center;gap:19px;flex-wrap:wrap;margin-top:28px}.form-action>span{font-size:12px;color:var(--muted);max-width:330px}.btn{border-radius:9px;padding:14px 20px;border:1px solid var(--line);font-size:14px;font-weight:800;display:inline-flex;align-items:center;justify-content:center;gap:20px}.btn.primary{background:var(--blue);color:#fff;border-color:var(--blue)}.btn.primary:hover{background:#003c62}.btn.subtle{background:#fff;color:var(--blue)}.btn.link-btn{background:transparent;border-color:transparent;color:var(--blue)}.results{max-width:900px;margin:56px auto 0}.results[hidden]{display:none}.results-intro{margin-bottom:22px}.outcome{display:grid;grid-template-columns:1.1fr .9fr;border-radius:19px;overflow:hidden;background:var(--blue);color:#fff;min-height:205px}.outcome-main{padding:28px 33px;display:flex;flex-direction:column;justify-content:center}.outcome-label{font-size:14px;color:#e9f3f7}.outcome-main strong{font-size:clamp(2.4rem,5vw,3.55rem);letter-spacing:-2px;line-height:1.25}.outcome-main small{color:#daedd2}.outcome-side{background:#094768;padding:29px 30px;display:flex;flex-direction:column;justify-content:center;gap:10px}.outcome-side span{font-size:13px;color:#e3f2f7}.outcome-side strong{color:#bce6a5}.outcome-side p{font-size:15px;font-weight:600;line-height:1.6}.compare-card{border:1px solid var(--line);border-radius:16px;padding:28px 30px;margin-top:20px}.comparison{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:22px}.comparison>div>span{font-size:13px;color:var(--muted)}.comparison strong{font-size:27px;display:block;letter-spacing:-.5px;margin:6px 0 12px}.track{height:10px;background:#e9f1f2;border-radius:12px;overflow:hidden}.track i{display:block;background:var(--blue);height:100%;width:0;border-radius:12px;transition:width .3s}.track .green{background:var(--green)}.disclaimer-inline{font-size:12px;color:var(--muted);margin-top:16px}.two-metrics{display:grid;grid-template-columns:1fr 1fr;gap:15px;margin-top:20px}.two-metrics>div{border:1px solid #d8e7db;border-radius:14px;background:var(--softgreen);padding:20px}.two-metrics span{font-size:13px;color:var(--muted);display:block}.two-metrics strong{font-size:25px;color:var(--blue);display:block;margin:4px 0}.two-metrics small{font-size:12px;color:var(--muted)}.action-box{padding:24px 28px;border-left:4px solid var(--green);background:#f6faf7;border-radius:9px;margin-top:20px}.action-box p{font-size:14px;color:var(--muted);margin:9px 0}.scenario-panel{margin-top:30px}.panel-title p:last-child{color:var(--muted);font-size:13px}.scenario-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:18px}.scenario{padding:18px;border:1px solid var(--line);border-radius:13px;display:flex;flex-direction:column;gap:8px;background:#fff}.scenario.selected{background:var(--softgreen);border-color:#b7d9a7}.scenario .scenario-label{font-weight:800;font-size:13px}.scenario strong{font-size:22px;color:var(--blue)}.scenario small{color:var(--muted);font-size:12px}.scenario button{margin-top:auto;text-align:left;font-size:12px;font-weight:750;border:0;background:transparent;color:var(--green);padding:8px 0}.download-card{margin-top:24px;border-top:1px solid var(--line);padding:25px 0 0;display:flex;justify-content:space-between;gap:26px;align-items:center}.download-card p:not(.eyebrow){color:var(--muted);font-size:13px;margin-top:7px}.download-actions{display:flex;flex-wrap:wrap;gap:8px;justify-content:end}.related{margin:62px auto 30px;max-width:900px}.related h2{max-width:650px}.related>p:nth-of-type(2){font-size:14px;color:var(--muted);margin:13px 0 20px}.related-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}.related-links a{border:1px solid var(--line);border-radius:12px;padding:20px;font-weight:800;min-width:0;color:var(--blue)}.related-links a span{float:right;color:var(--green)}.related-links small{display:block;line-height:1.5;font-size:12px;font-weight:400;color:var(--muted);margin-top:8px}.method{max-width:900px;margin:26px auto 60px;border:1px solid var(--line);border-radius:12px;background:#fafcfd}.method summary{padding:19px;font-weight:700;color:var(--blue);cursor:pointer}.method summary span{float:right}.method>div{border-top:1px solid var(--line);padding:21px;font-size:13px;color:var(--muted)}.method p{margin-bottom:12px}.method ul{padding-left:20px}.method li{margin-bottom:7px}.method a{text-decoration:underline}footer{border-top:1px solid var(--line);color:var(--muted);padding:29px 0;font-size:12px}footer .wrap{display:flex;justify-content:space-between;gap:20px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
@media(max-width:850px){.hero{grid-template-columns:1fr;gap:22px;padding:34px 0 40px}.hero-note{min-height:115px;gap:8px}.choices{grid-template-columns:1fr}.choice-inner{min-height:auto;gap:4px}.related-links{grid-template-columns:1fr}.related-links a{padding:16px}}
@media(max-width:650px){.wrap{width:calc(100% - 30px)}.head-inner{min-height:77px}.brand{width:110px}.brand img{height:57px;max-width:110px}.back{font-size:12px}.hero{padding:25px 0 34px}.hero h1{font-size:clamp(1.88rem,8vw,2.5rem);letter-spacing:-1.2px}.hero>div>p:nth-of-type(2){font-size:15px}.hero-note{min-height:0;padding:19px}.hero-note strong{font-size:17px}.hero-note small{font-size:12px}.card{padding:24px 17px;border-radius:15px}.step-heading{gap:10px}.step{width:38px;height:38px;font-size:15px}.field-grid{grid-template-columns:1fr;gap:19px}.field>label:not(.checkline),.advanced .field>label:not(.checkline){min-height:0}.money-wrap input{font-size:21px}.sep{margin:26px 0}.advanced summary{gap:3px;padding:14px}.advanced summary strong{font-size:13px}.advanced summary span{font-size:11px}.advanced-content{padding:16px 12px}.form-action{align-items:stretch}.form-action .btn{width:100%}.results{margin-top:39px}.outcome{grid-template-columns:1fr}.outcome-main{padding:25px 22px}.outcome-main strong{font-size:2.6rem}.outcome-side{padding:20px 22px}.comparison{gap:12px}.compare-card{padding:20px 18px}.comparison strong{font-size:20px}.two-metrics{grid-template-columns:1fr}.scenario-grid{grid-template-columns:1fr}.scenario{min-height:0}.download-card{display:block}.download-actions{justify-content:stretch;margin-top:17px;display:grid;grid-template-columns:1fr 1fr}.download-actions .primary{grid-column:1/-1}.related{margin-top:42px}.related h2{font-size:1.55rem}footer .wrap{display:block}footer a{display:block;margin-top:8px}}
@media print{.site-header,.back,.form-card,.download-actions,.related,.method,footer,.scenario button{display:none!important}.results[hidden]{display:block}.results{margin-top:0}.wrap{width:100%}.hero{padding:0;display:block}.hero-note{display:none}.outcome{-webkit-print-color-adjust:exact;print-color-adjust:exact}}
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.analytics-consent{position:fixed;z-index:9999;inset:auto 16px 16px;display:flex;align-items:center;justify-content:space-between;gap:20px;width:min(960px,calc(100vw - 32px));margin:auto;padding:18px 20px;border:1px solid #cbd9df;border-radius:14px;background:#fff;box-shadow:0 14px 48px #122f4230;color:#18334a;font:15px/1.45 system-ui,sans-serif}.analytics-consent[hidden]{display:none}.analytics-consent p{margin:4px 0 0;color:#526675;font-size:14px}.analytics-consent a{color:#145b83;text-decoration:underline}.analytics-consent__actions{display:flex;gap:8px;flex:none}.analytics-consent button{border:1px solid #9aafba;border-radius:7px;padding:10px 13px;background:#fff;color:#18334a;font:inherit;font-weight:650;cursor:pointer}.analytics-consent button.primary{background:#123d58;color:#fff;border-color:#123d58}@media(max-width:680px){.analytics-consent{align-items:stretch;flex-direction:column}.analytics-consent__actions{justify-content:flex-end}}

.analytics-preferences{position:fixed;z-index:9998;left:12px;bottom:12px;border:1px solid #9aafba;border-radius:7px;padding:8px 11px;background:#fff;color:#18334a;font:13px/1.3 system-ui,sans-serif;box-shadow:0 4px 16px #122f4220;cursor:pointer}