:root {
--paper: #faf9f6; --card: #ffffff; --ink: #1a1a1a; --ink-2: #4a4a48; --ink-3: #6f6e6a;
--line: #e6e3dc; --line-2: #d6d2c8;
--teal: #0b4f4a; --teal-2: #0e6b64; --teal-tint: #e7f0ee;
--gold: #d4a017; --gold-tint: #fbf3dc;
--neg: #a33a2b; --pos: #2e7d5b;
--display: Fraunces, Georgia, 'Times New Roman', serif;
--sans: Inter, system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
--r: 12px; --r-sm: 8px;
--wrap: 72rem;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 1rem; }
body { margin: 0; background: var(--paper); color: var(--ink); font: 16px/1.6 var(--sans); }
img, svg { max-width: 100%; height: auto; }
a { color: var(--teal); text-underline-offset: 2px; }
a:hover { color: var(--teal-2); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 1rem; }
@media (min-width: 640px) { .wrap { padding: 0 1.5rem; } }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: -999px; top: .5rem; background: var(--gold); color: var(--ink); padding: .5rem 1rem; border-radius: var(--r-sm); z-index: 50; }
.skip:focus { left: .5rem; }
.hdr { border-bottom: 1px solid var(--line); background: var(--paper); position: relative; z-index: 20; }
.hdr__in { display: flex; align-items: center; justify-content: space-between; min-height: 4rem; gap: 1rem; }
.logo { font: 600 1.5rem/1 var(--display); text-decoration: none; letter-spacing: -.01em; }
.logo b { color: var(--teal); font-weight: 600; } .logo i { color: var(--gold); font-style: normal; }
.nav { display: none; gap: 1.25rem; font-size: .9rem; }
.nav a { color: var(--ink-2); text-decoration: none; }
.nav a:hover, .nav a[aria-current] { color: var(--teal); }
.menu { position: static; }
.menu > summary { list-style: none; cursor: pointer; display: inline-flex; align-items: center; gap: .4rem; padding: .5rem .75rem; border: 1px solid var(--line-2); border-radius: 999px; font-size: .9rem; color: var(--ink); background: var(--card); }
.menu > summary::-webkit-details-marker { display: none; }
.menu__panel { position: absolute; left: 0; right: 0; top: 100%; background: var(--paper); border-bottom: 1px solid var(--line); box-shadow: 0 12px 24px -16px rgba(11,79,74,.35); padding: 1rem 1rem 1.5rem; max-height: 80vh; overflow: auto; }
.menu__search { width: 100%; font: inherit; padding: .7rem .9rem; border: 1px solid var(--line-2); border-radius: var(--r-sm); background: var(--card); margin-bottom: 1rem; }
.menu__grp { margin: 0 0 1rem; }
.menu__grp h2 { font: 600 .8rem/1.2 var(--sans); color: var(--ink-3); margin: 0 0 .4rem; }
.menu__grp ul { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: .1rem .75rem; }
.menu__grp a { display: block; padding: .35rem 0; text-decoration: none; color: var(--ink); font-size: .95rem; }
@media (min-width: 960px) { .nav { display: flex; } .menu { display: none; } }
.crumbs { font-size: .85rem; color: var(--ink-3); margin: 1.25rem 0 .25rem; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: .35rem; margin: 0; padding: 0; }
.crumbs li + li::before { content: "/"; margin-right: .35rem; color: var(--line-2); }
.crumbs a { color: var(--ink-3); text-decoration: none; } .crumbs a:hover { color: var(--teal); }
.ph { margin: .25rem 0 1.5rem; max-width: 46rem; }
.ph h1 { font: 500 clamp(1.9rem, 4.5vw, 2.9rem)/1.1 var(--display); letter-spacing: -.02em; margin: 0 0 .6rem; color: var(--ink); }
.ph p { margin: 0; color: var(--ink-2); font-size: 1.05rem; }
.meta { display: flex; flex-wrap: wrap; gap: .25rem 1rem; font-size: .82rem; color: var(--ink-3); margin-top: .75rem; }
.meta .ok::before { content: ""; display: inline-block; width: .5rem; height: .5rem; border-radius: 50%; background: var(--pos); margin-right: .4rem; vertical-align: middle; }
.calc { display: grid; grid-template-columns: minmax(0, 1fr); gap: 1rem; align-items: start; margin-bottom: 2rem; }
.calc > * { min-width: 0; }
@media (min-width: 900px) { .calc { grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 1.5rem; } .calc__form { position: sticky; top: 1rem; } }
.calc__form { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 1.25rem; }
.fld { margin: 0 0 1.1rem; border: 0; padding: 0; min-width: 0; }
.fld > label, .fld legend { display: block; font-size: .9rem; font-weight: 600; color: var(--ink-2); margin-bottom: .4rem; padding: 0; }
.inp { display: flex; align-items: stretch; border: 1px solid var(--line-2); border-radius: var(--r-sm); background: var(--card); overflow: hidden; }
.inp:focus-within { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(11,79,74,.15); }
.inp input { flex: 1; min-width: 0; border: 0; background: transparent; font: 500 1.15rem/1.2 var(--sans); padding: .75rem .85rem; color: var(--ink); }
.fld--money .inp input { font: 500 1.45rem/1.2 var(--display); color: var(--teal); }
.inp input:focus { outline: none; }
.inp__pre, .inp__suf { display: flex; align-items: center; padding: 0 .75rem; color: var(--ink-3); font-size: .9rem; background: #f4f2ed; white-space: nowrap; }
.inp__pre { border-right: 1px solid var(--line); } .inp__suf { border-left: 1px solid var(--line); }
.rng { display: block; width: 100%; max-width: 100%; box-sizing: border-box; margin: .7rem 0 0; accent-color: var(--teal); }
.fh { margin: .35rem 0 0; font-size: .8rem; color: var(--ink-3); }
select { width: 100%; font: inherit; padding: .7rem .8rem; border: 1px solid var(--line-2); border-radius: var(--r-sm); background: var(--card); color: var(--ink); }
.seg__opts { display: flex; flex-wrap: wrap; gap: .35rem; }
.seg__opts label { flex: 1 1 auto; min-width: 0; }
.seg__opts input { position: absolute; opacity: 0; pointer-events: none; }
.seg__opts span { display: block; text-align: center; padding: .55rem .7rem; border: 1px solid var(--line-2); border-radius: var(--r-sm); font-size: .88rem; cursor: pointer; background: var(--card); }
.seg__opts input:checked + span { background: var(--teal); color: #fff; border-color: var(--teal); }
.seg__opts input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }
.chk label { display: flex; gap: .55rem; align-items: center; font-size: .92rem; cursor: pointer; }
.chk input { width: 1.1rem; height: 1.1rem; accent-color: var(--teal); }
.adv { border-top: 1px solid var(--line); padding-top: .9rem; margin-top: .25rem; }
.adv > summary { cursor: pointer; color: var(--teal); font-weight: 600; font-size: .92rem; margin-bottom: .9rem; }
.calc__actions { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: .5rem; }
.btn { display: inline-flex; align-items: center; gap: .45rem; font: 600 .9rem/1 var(--sans); padding: .7rem 1rem; border-radius: var(--r-sm); border: 1px solid var(--teal); color: var(--teal); background: var(--card); cursor: pointer; text-decoration: none; }
.btn:hover { background: var(--teal-tint); }
.btn--wa { background: #1f9e55; border-color: #1f9e55; color: #fff; } .btn--wa:hover { background: #188546; color: #fff; }
.btn--solid { background: var(--teal); color: #fff; } .btn--solid:hover { background: var(--teal-2); color: #fff; }
.hl { background: var(--teal); color: #fff; border-radius: var(--r); padding: 1.25rem 1.4rem 1.35rem; }
.hl__label { margin: 0; font-size: .9rem; opacity: .85; }
.hl__value { margin: .15rem 0 0; font: 500 clamp(2.3rem, 7vw, 3.6rem)/1.05 var(--display); letter-spacing: -.02em; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.hl__sub { margin: .35rem 0 0; font-size: .92rem; opacity: .85; }
.bd { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); margin-top: 1rem; overflow: hidden; }
.bd__title { font: 600 1rem/1.3 var(--sans); margin: 0; padding: .9rem 1.1rem; border-bottom: 1px solid var(--line); }
.bl { margin: 0; }
.br { display: flex; justify-content: space-between; gap: 1rem; padding: .62rem 1.1rem; border-bottom: 1px solid #f0eee8; font-size: .93rem; }
.br dt { color: var(--ink-2); min-width: 0; } .br dd { margin: 0; font-variant-numeric: tabular-nums; white-space: nowrap; text-align: right; font-weight: 500; }
.br--neg dd { color: var(--neg); } .br--pos dd { color: var(--pos); } .br--muted dt, .br--muted dd { color: var(--ink-3); font-weight: 400; }
.br--sub { background: #fbfaf7; } .br--sub dd { font-weight: 600; }
.br--total { background: var(--teal-tint); font-weight: 700; border-bottom: 0; } .br--total dt { color: var(--ink); font-weight: 700; } .br--total dd { font-weight: 700; }
.rn { margin: 0; padding: .8rem 1.1rem; font-size: .86rem; color: var(--ink-2); background: #fbfaf7; border-top: 1px solid var(--line); }
.rt { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); margin-top: .75rem; }
.rt > summary { cursor: pointer; padding: .85rem 1.1rem; font-weight: 600; font-size: .93rem; }
.rt[open] > summary { border-bottom: 1px solid var(--line); }
.tw { overflow-x: auto; }
table { border-collapse: collapse; width: 100%; font-size: .9rem; font-variant-numeric: tabular-nums; }
th, td { padding: .55rem .9rem; text-align: right; border-bottom: 1px solid #f0eee8; white-space: nowrap; }
th:first-child, td:first-child { text-align: left; }
thead th { font-weight: 600; color: var(--ink-3); font-size: .82rem; background: #fbfaf7; }
tbody th { font-weight: 500; color: var(--ink-2); }
.rf th, .rf td { white-space: normal; } .rf td { text-align: right; min-width: 8rem; }
.res__share { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: 1rem; }
.stk { position: fixed; left: 0; right: 0; bottom: 0; z-index: 30; background: var(--teal); color: #fff; display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .7rem 1rem calc(.7rem + env(safe-area-inset-bottom)); transform: translateY(110%); transition: transform .2s ease; box-shadow: 0 -8px 20px -12px rgba(0,0,0,.4); }
.stk.on { transform: none; }
.stk__v { font: 500 1.35rem/1 var(--display); font-variant-numeric: tabular-nums; }
.stk a { color: #fff; font-size: .85rem; font-weight: 600; }
@media (min-width: 900px) { .stk { display: none; } }
@media (prefers-reduced-motion: reduce) { .stk { transition: none; } }
.layout { display: grid; grid-template-columns: minmax(0, 1fr); gap: 2rem; }
.prose, .sec, .faq { min-width: 0; }
.prose { max-width: 44rem; }
.prose h2 { font: 500 1.6rem/1.2 var(--display); letter-spacing: -.01em; margin: 2.25rem 0 .75rem; }
.prose h3 { font: 600 1.05rem/1.3 var(--sans); margin: 1.5rem 0 .5rem; }
.prose p, .prose li { color: var(--ink-2); }
.prose p { margin: 0 0 1rem; }
.answer { border-left: 4px solid var(--gold); background: var(--gold-tint); padding: 1rem 1.2rem; border-radius: 0 var(--r-sm) var(--r-sm) 0; margin: 0 0 1.5rem; }
.answer h2 { font: 600 .95rem/1.3 var(--sans); margin: 0 0 .35rem; color: var(--ink); }
.answer p { margin: 0; color: var(--ink); }
.ratebox { border: 1px solid var(--line); background: var(--card); border-radius: var(--r); overflow: hidden; margin: 1rem 0 1.5rem; }
.ratebox caption { text-align: left; padding: .8rem .9rem; font-weight: 600; font-size: .92rem; border-bottom: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; padding: 1rem 0; font-weight: 600; color: var(--ink); list-style: none; display: flex; justify-content: space-between; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--teal); font-size: 1.25rem; line-height: 1; }
.faq details[open] summary::after { content: "−"; }
.faq details p { margin: 0 0 1rem; color: var(--ink-2); }
.srcs { font-size: .85rem; color: var(--ink-3); border-top: 1px solid var(--line); padding-top: 1rem; margin-top: 2rem; }
.srcs ul { margin: .25rem 0 0; padding-left: 1.1rem; }
.disc { font-size: .8rem; color: var(--ink-3); }
.chips { display: flex; flex-wrap: wrap; gap: .4rem; margin: .5rem 0 1.5rem; padding: 0; list-style: none; }
.chips a { display: inline-block; padding: .4rem .75rem; border: 1px solid var(--line-2); border-radius: 999px; font-size: .86rem; text-decoration: none; background: var(--card); color: var(--ink); }
.chips a:hover { border-color: var(--teal); color: var(--teal); }
.sec { margin: 2.5rem 0; }
.sec__h { display: flex; align-items: baseline; justify-content: space-between; gap: 1rem; margin-bottom: .9rem; }
.sec__h h2 { font: 500 1.6rem/1.2 var(--display); margin: 0; letter-spacing: -.01em; }
.sec__h p { margin: .25rem 0 0; color: var(--ink-3); font-size: .92rem; }
.grid { display: grid; gap: .65rem; grid-template-columns: repeat(auto-fill, minmax(15.5rem, 1fr)); padding: 0; margin: 0; list-style: none; }
.card { display: block; height: 100%; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: .9rem 1rem; text-decoration: none; color: var(--ink); }
.card:hover { border-color: var(--teal); color: var(--ink); }
.card strong { display: block; font-weight: 600; font-size: .98rem; }
.card span { display: block; font-size: .85rem; color: var(--ink-3); margin-top: .15rem; }
.card--feat { border-color: var(--teal); background: linear-gradient(var(--card), var(--card)) padding-box; }
.next { display: flex; gap: .75rem; align-items: center; background: var(--teal-tint); border-radius: var(--r); padding: 1rem 1.2rem; margin: 1.5rem 0; text-decoration: none; color: var(--ink); }
.next strong { color: var(--teal); }
.hero { padding: 2rem 0 1rem; }
.hero h1 { font: 500 clamp(2.2rem, 6vw, 3.8rem)/1.05 var(--display); letter-spacing: -.025em; margin: 0 0 1rem; max-width: 18ch; }
.hero p { color: var(--ink-2); font-size: 1.1rem; max-width: 38rem; margin: 0 0 1.5rem; }
.find { position: relative; max-width: 36rem; }
.find input { width: 100%; font: 1.05rem/1.2 var(--sans); padding: .95rem 1rem; border: 1px solid var(--line-2); border-radius: var(--r); background: var(--card); }
.find input:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(11,79,74,.15); }
.find__none { display: none; margin-top: .75rem; color: var(--ink-3); }
.quick { display: grid; gap: .65rem; grid-template-columns: repeat(auto-fill, minmax(13rem, 1fr)); margin: 1.5rem 0 0; padding: 0; list-style: none; }
.quick a { display: block; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 1rem; text-decoration: none; color: var(--ink); }
.quick a:hover { border-color: var(--teal); }
.quick b { display: block; font: 500 1.5rem/1.1 var(--display); color: var(--teal); }
.quick small { color: var(--ink-3); font-size: .82rem; }
.ad { margin: 1.5rem 0; min-height: 280px; display: flex; align-items: center; justify-content: center; background: #f4f2ed; border-radius: var(--r-sm); overflow: hidden; }
.ad::before { content: "Advertisement"; position: absolute; font-size: .7rem; color: var(--ink-3); }
.ad { position: relative; }
.ad ins { display: block; width: 100%; }
@media (min-width: 900px) { .ad { min-height: 120px; } }
.ftr { border-top: 1px solid var(--line); margin-top: 4rem; padding: 2.5rem 0 5rem; font-size: .9rem; color: var(--ink-2); }
.ftr__grid { display: grid; gap: 1.5rem; grid-template-columns: repeat(auto-fit, minmax(11rem, 1fr)); }
.ftr h2 { font: 600 .82rem/1.2 var(--sans); color: var(--ink-3); margin: 0 0 .6rem; }
.ftr ul { list-style: none; margin: 0; padding: 0; }
.ftr li { margin: .3rem 0; }
.ftr a { color: var(--ink-2); text-decoration: none; } .ftr a:hover { color: var(--teal); }
.ftr__base { margin-top: 2rem; padding-top: 1.25rem; border-top: 1px solid var(--line); font-size: .8rem; color: var(--ink-3); }
@media (min-width: 900px) { .ftr { padding-bottom: 2.5rem; } }
.embed body, body.embed { background: var(--card); }
.embed .calc { margin: 0; }
.embed__credit { font-size: .78rem; color: var(--ink-3); margin: .75rem 0 0; text-align: right; }
@media print { .hdr, .ftr, .ad, .stk, .calc__actions, .res__share, .menu { display: none !important; } .calc { grid-template-columns: 1fr 1fr; } }