:root{
  --ink:#10201b;--muted:#66746f;--soft:#8a9692;--paper:#fbfaf5;--surface:#fff;--surface2:#f4f1e9;
  --line:#e4ded0;--line2:#d7cebd;--forest:#12372f;--green:#2b7566;--sage:#e5efe9;--mint:#eff8f4;
  --gold:#b98a43;--clay:#a55b3a;--blue:#235a7d;--danger:#9c2f21;--focus:#174ea6;
  --shadow:0 28px 80px rgba(33,29,18,.12);--shadow-sm:0 12px 32px rgba(33,29,18,.07);
  --max:1180px;--measure:760px;--r:30px;--r2:20px
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:radial-gradient(900px 520px at -10% -12%,rgba(185,138,67,.16),transparent 60%),radial-gradient(780px 560px at 110% -6%,rgba(43,117,102,.16),transparent 62%),linear-gradient(180deg,#fffdf8 0%,#f7f4ec 48%,#fbfaf5 100%);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.55;-webkit-font-smoothing:antialiased}a{color:var(--green);text-underline-offset:.2em}button,input,select{font:inherit}.skip{position:absolute;left:-999px;top:10px;z-index:99;background:#fff;color:#000;border:2px solid var(--focus);padding:10px 14px;border-radius:12px}.skip:focus{left:10px}.shell{width:min(var(--max),calc(100% - 40px));margin-inline:auto}.top{position:sticky;top:0;z-index:40;background:rgba(251,250,245,.86);backdrop-filter:blur(18px);border-bottom:1px solid rgba(228,222,208,.76)}.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{display:flex;align-items:center;gap:12px;color:var(--ink);text-decoration:none}.mark{width:44px;height:44px;border-radius:16px;display:grid;place-items:center;background:linear-gradient(135deg,var(--forest),var(--green));box-shadow:0 14px 30px rgba(18,55,47,.20);color:#fff;font-weight:950;letter-spacing:-.08em}.brand strong{display:block;font-size:1rem;letter-spacing:-.035em}.brand span span{display:block;color:var(--muted);font-size:.76rem;margin-top:-2px}.links{display:flex;gap:8px;flex-wrap:wrap;justify-content:flex-end}.links a{color:var(--muted);text-decoration:none;font-size:.86rem;font-weight:850;padding:9px 12px;border-radius:999px}.links a:hover,.links a[aria-current="page"]{background:#fff;color:var(--forest);box-shadow:var(--shadow-sm)}.hero{padding:72px 0 40px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.03fr) minmax(360px,.82fr);gap:38px;align-items:center}.eyebrow,.kicker{display:inline-flex;align-items:center;gap:8px;color:var(--clay);font-size:.74rem;font-weight:950;letter-spacing:.14em;text-transform:uppercase}.eyebrow{background:rgba(165,91,58,.09);border:1px solid rgba(165,91,58,.18);padding:8px 12px;border-radius:999px}.h1{font-family:Fraunces,Georgia,serif;font-size:clamp(2.6rem,6.5vw,6.5rem);line-height:.92;letter-spacing:-.07em;margin:18px 0 16px}.lead{font-size:clamp(1.05rem,1.7vw,1.28rem);color:var(--muted);max-width:710px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;background:var(--forest);color:#fff;text-decoration:none;font-weight:950;padding:13px 19px;box-shadow:0 16px 36px rgba(18,55,47,.20);cursor:pointer}.btn:hover{background:#1d4b42}.btn.secondary{background:#fff;color:var(--ink);border:1px solid var(--line);box-shadow:var(--shadow-sm)}.trust-row{display:flex;gap:9px;flex-wrap:wrap;margin-top:22px}.pill{border:1px solid var(--line);background:rgba(255,255,255,.66);border-radius:999px;color:var(--muted);font-weight:850;font-size:.84rem;padding:8px 11px}.rate-card,.card,.tool{background:rgba(255,255,255,.9);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-sm)}.rate-card{padding:18px;box-shadow:var(--shadow)}.rate-inner{border:1px solid var(--line);border-radius:25px;background:linear-gradient(180deg,#fff,#fbf8ef);padding:24px}.rate-top{display:flex;justify-content:space-between;gap:12px;align-items:start}.rate-chip{font-size:.72rem;text-transform:uppercase;letter-spacing:.14em;font-weight:950;color:var(--clay)}.rate-value{font-family:Fraunces,Georgia,serif;font-size:clamp(4rem,8vw,7.5rem);line-height:.84;letter-spacing:-.08em;margin-top:18px}.rate-label{color:var(--muted);font-weight:850;line-height:1.35;max-width:28ch}.mini-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:22px}.mini{background:#fff;border:1px solid var(--line);border-radius:18px;padding:14px}.mini strong{display:block;font-size:1.2rem;letter-spacing:-.04em}.mini span{font-size:.72rem;color:var(--muted);font-weight:850;text-transform:uppercase;letter-spacing:.08em}.section{padding:38px 0}.section-head{display:flex;justify-content:space-between;gap:24px;align-items:end;margin-bottom:18px}.section-head p{max-width:620px;color:var(--muted);margin:0}.card,.tool{padding:clamp(22px,4vw,38px)}.tool{background:#fff;box-shadow:var(--shadow)}h1,h2,h3{letter-spacing:-.04em;line-height:1.1}h2{font-family:Fraunces,Georgia,serif;font-size:clamp(1.85rem,3.4vw,3rem);margin:8px 0 12px}h3{font-size:1.25rem;margin:22px 0 8px}.note,.muted{color:var(--muted)}.form-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.field{display:grid;gap:7px}.field label{color:#5b6762;text-transform:uppercase;letter-spacing:.1em;font-size:.76rem;font-weight:950}.input-wrap{position:relative}.prefix,.suffix{position:absolute;top:50%;transform:translateY(-50%);color:var(--soft);font-weight:850;pointer-events:none}.prefix{left:14px}.suffix{right:14px}.field input,.field select{width:100%;min-height:50px;border:1px solid var(--line);border-radius:16px;background:#fffdf8;color:var(--ink);font-weight:750;padding:13px 14px;outline:0}.field input.has-prefix{padding-left:32px}.field input.has-suffix{padding-right:56px}.field input:focus,.field select:focus{border-color:var(--focus);box-shadow:0 0 0 4px rgba(23,78,166,.13)}.actions{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-top:18px}.result{display:none;margin-top:26px;border-top:1px solid var(--line);padding-top:24px}.result.show{display:block}.result-hero{background:linear-gradient(135deg,var(--forest),#255f52);color:#fff;border-radius:24px;padding:24px}.result-hero small{display:block;text-transform:uppercase;letter-spacing:.14em;font-weight:950;color:rgba(255,255,255,.78)}.result-hero strong{display:block;font-family:Fraunces,Georgia,serif;font-size:clamp(2.2rem,6vw,4rem);line-height:1;letter-spacing:-.07em;margin:6px 0}.result-hero span{color:rgba(255,255,255,.8)}.result-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:14px}.metric{background:linear-gradient(180deg,#fff,#faf7ef);border:1px solid var(--line);border-radius:20px;padding:16px}.metric strong{display:block;font-size:clamp(1.2rem,2.1vw,1.7rem);letter-spacing:-.04em}.metric span{display:block;color:var(--muted);font-size:.72rem;text-transform:uppercase;letter-spacing:.09em;font-weight:950}.insight{background:var(--mint);border:1px solid #cdded6;border-radius:22px;padding:17px;color:#315b52;margin-top:14px}.grid{display:grid;gap:16px}.cols3{grid-template-columns:repeat(3,1fr)}.cols2{grid-template-columns:repeat(2,1fr)}.feature{display:block;text-decoration:none;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:24px;padding:22px;box-shadow:0 12px 30px rgba(33,29,18,.05)}.feature:hover{transform:translateY(-2px);box-shadow:var(--shadow-sm);border-color:var(--line2)}.feature .icon{width:44px;height:44px;border-radius:16px;display:grid;place-items:center;background:var(--sage);color:var(--forest);font-weight:950;margin-bottom:16px}.feature p{color:var(--muted);margin:.35rem 0 0}.split{display:grid;grid-template-columns:.82fr 1.18fr;gap:24px;align-items:start}.toc{position:sticky;top:98px;background:#fff;border:1px solid var(--line);border-radius:24px;padding:18px}.toc strong{display:block;margin-bottom:8px}.toc a{display:block;color:var(--muted);text-decoration:none;font-weight:850;padding:8px 0}.prose{max-width:var(--measure)}.prose p,.prose li{color:var(--muted);font-size:1rem}.prose p{margin:0 0 14px}.prose ul,.prose ol{padding-left:1.25rem}.callout{background:linear-gradient(135deg,#fff,#f6efe3);border:1px solid var(--line);border-radius:24px;padding:22px;margin:22px 0}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:22px;background:#fff}.table{width:100%;border-collapse:separate;border-spacing:0;min-width:560px}.table th,.table td{text-align:left;padding:13px 15px;border-bottom:1px solid var(--line)}.table tr:last-child td{border-bottom:0}.table th{background:#f7f0e5;color:#59655f;text-transform:uppercase;letter-spacing:.09em;font-size:.74rem}.ad{margin:30px 0}.ad-label{text-align:center;color:var(--soft);text-transform:uppercase;letter-spacing:.14em;font-size:.68rem;font-weight:950;margin-bottom:8px}.ad-box{min-height:96px;display:grid;place-items:center;border:1px dashed #d3c8b8;border-radius:22px;background:rgba(255,255,255,.55);color:var(--soft);font-size:.8rem}.faq details{background:#fff;border:1px solid var(--line);border-radius:20px;padding:16px 18px}.faq details+details{margin-top:10px}.faq summary{font-weight:950;cursor:pointer}.faq p{color:var(--muted)}.footer{border-top:1px solid var(--line);padding:38px 0;margin-top:44px;color:var(--muted)}.footgrid{display:grid;grid-template-columns:1.25fr .75fr .75fr .75fr;gap:24px}.footer a{display:block;color:var(--muted);text-decoration:none;margin:6px 0}.disclaimer{font-size:.84rem;color:var(--soft);margin-top:16px}.error{color:var(--danger);font-weight:850;min-height:1.4em;margin-top:10px}*:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:10px}@media(max-width:900px){.hero-grid,.split{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column;padding:14px 0}.links{justify-content:flex-start}.form-grid,.result-grid,.cols3,.footgrid{grid-template-columns:1fr 1fr}.toc{position:static}.section-head{display:block}}@media(max-width:600px){.shell{width:min(var(--max),calc(100% - 28px))}.form-grid,.result-grid,.cols3,.cols2,.footgrid,.mini-grid{grid-template-columns:1fr}.hero{padding-top:46px}.rate-value{font-size:4.9rem}.links a{font-size:.8rem;padding:8px 9px}.card,.tool{border-radius:24px}}@media(prefers-reduced-motion:no-preference){.feature,.btn{transition:transform .18s ease,box-shadow .18s ease,background .18s ease}}