*{box-sizing:border-box}body{margin:0;color:var(--text);background:var(--bg);font-family:var(--font);line-height:1.6}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button,a,input,select,summary{-webkit-tap-highlight-color:transparent}button{cursor:pointer}button:disabled{cursor:default;opacity:.5}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--blue);outline-offset:4px}button{color:inherit}svg{flex-shrink:0}.icon{width:21px;height:21px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;vertical-align:middle}.container{width:min(var(--width),calc(100% - 40px));margin-inline:auto}.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}[hidden]{display:none!important}.skip{position:fixed;top:-100px;left:16px;padding:12px;background:var(--yellow);z-index:100}.skip:focus{top:12px}.header{background:var(--surface);border-bottom:1px solid var(--border)}.header-inner{height:76px;display:flex;align-items:center;justify-content:space-between}.brand{display:inline-flex;gap:9px;align-items:center;font-size:27px;font-weight:750;letter-spacing:-1.2px;line-height:1}.brand-full{font-weight:450}.brand-dot{color:var(--yellow)}.menu-toggle{background:none;border:1px solid var(--border);border-radius:8px;padding:8px 12px;min-height:44px;display:flex;gap:10px;align-items:center}nav#navigation{display:none;position:absolute;top:76px;left:0;right:0;padding:18px 24px;z-index:10;background:var(--surface);box-shadow:var(--shadow)}nav#navigation.open{display:grid;gap:10px}nav#navigation a{padding:8px 0;font-size:14px;font-weight:600}nav#navigation a:hover{color:var(--blue)}.hero{background:var(--navy);color:var(--white);overflow:visible}.hero-grid{padding-block:48px;display:grid;gap:32px}.hero-label{font-size:10px;letter-spacing:1.5px;color:var(--yellow);font-weight:650;display:flex;align-items:center;gap:9px}.status-dot{height:6px;width:6px;border-radius:50%;background:var(--yellow)}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(32px,4vw,48px);line-height:1.18;letter-spacing:-1.6px;font-weight:650;margin:22px 0}h1 span{color:var(--yellow)}.hero-copy{color:var(--border);font-size:15px;line-height:1.8;margin-bottom:27px}.desktop-break{display:none}.search-wrap{position:relative;z-index:3}.search-field{display:flex;align-items:center;gap:12px;padding:8px 16px;background:var(--surface);color:var(--muted);border-radius:10px;box-shadow:var(--shadow)}.search-field input{width:100%;min-width:0;background:none;border:0;color:var(--text);height:44px;font-size:14px;outline-offset:0}.search-shortcut{display:none;border:1px solid var(--border);padding:0 8px;border-radius:4px}.search-results{position:absolute;top:calc(100% + 8px);left:0;right:0;border:1px solid var(--border);border-radius:12px;background:var(--surface);color:var(--text);box-shadow:var(--shadow);max-height:340px;overflow:auto}.search-results a{display:flex;justify-content:space-between;gap:12px;padding:13px 18px;border-bottom:1px solid var(--border);font-size:14px}.search-results a:hover{background:var(--bg)}.search-results small{color:var(--muted);white-space:nowrap}.search-results p{padding:16px;margin:0}.suggestions{display:flex;align-items:center;flex-wrap:wrap;gap:4px 9px;font-size:11px;margin:13px 0 27px;color:var(--border)}.suggestions button{background:none;border:0;color:var(--border);text-decoration:underline;text-underline-offset:4px;padding:6px 0;min-height:34px}.hero-trust{display:flex;flex-wrap:wrap;gap:12px 22px;font-size:11px;color:var(--border)}.hero-trust span{display:flex;gap:7px;align-items:center}.hero-trust .icon{width:15px;height:15px;color:var(--yellow)}.hero-visual{display:none}.pillar-strip{background:var(--surface);border-bottom:1px solid var(--border)}.pillars{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 30px;padding-block:20px}.pillars span{display:flex;align-items:center;gap:9px;font-size:12px;color:var(--muted)}.pillars .icon{color:var(--blue);width:18px;height:18px}.section{padding-block:48px}.eyebrow{font-size:10px;letter-spacing:1.6px;font-weight:750;color:var(--blue)}.section-heading h2{font-size:clamp(25px,3vw,32px);line-height:1.25;letter-spacing:-.9px;margin:10px 0 12px;font-weight:650}.section-heading p{color:var(--muted);font-size:14px;margin-bottom:25px}.section-toolbar{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px;margin-bottom:25px}.filters{display:flex;flex-wrap:wrap;gap:7px}.filters button{min-height:40px;border-radius:7px;border:1px solid var(--border);background:var(--surface);padding:6px 13px;color:var(--muted);font-size:12px}.filters button.active{background:var(--navy);color:var(--white);border-color:var(--navy)}.inline-link{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:650}.inline-link .icon{width:16px}.card-grid,.comparison-grid{display:grid;grid-template-columns:1fr;gap:16px}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:23px;display:flex;flex-direction:column;transition:transform .18s,border-color .18s,box-shadow .18s;min-width:0}.card:hover{transform:translateY(-4px);border-color:var(--blue);box-shadow:var(--shadow)}.card-top{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:17px}.icon-box{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:11px;background:var(--bg);color:var(--blue)}.tag{font-size:10px;color:var(--muted);background:var(--bg);border-radius:5px;padding:3px 7px}.card h3{font-size:17px;letter-spacing:-.3px;line-height:1.4;margin-bottom:9px}.card p{font-size:12px;line-height:1.8;color:var(--muted);margin-bottom:24px}.card-link{display:flex;align-items:center;justify-content:space-between;font-size:11px;font-weight:650;margin-top:auto;color:var(--blue)}.card-link .icon{width:16px;height:16px}.comparison-section{background:var(--navy);color:var(--white)}.comparison-section .eyebrow{color:var(--yellow)}.comparison-section .section-heading p{color:var(--border)}.comparison-section .card{background:var(--navy-soft);border-color:var(--navy-soft)}.comparison-section .card p{color:var(--border)}.comparison-section .card-link{color:var(--yellow)}.comparison-section .icon-box,.comparison-section .tag{background:var(--navy);color:var(--yellow)}.promise{border-radius:var(--radius);background:var(--yellow-soft);display:flex;align-items:center;flex-wrap:wrap;gap:20px;padding:30px;margin-bottom:56px}.promise h2{font-size:23px;margin-bottom:7px;letter-spacing:-.5px}.promise p{font-size:13px;margin:0;color:var(--muted)}.promise-icon .icon{width:34px;height:34px}.button{display:inline-flex;justify-content:center;align-items:center;gap:9px;min-height:44px;padding:11px 19px;border-radius:8px;border:1px solid var(--navy);background:var(--navy);color:var(--white);font-size:13px;font-weight:600}.button:hover{background:var(--navy-soft)}.button.secondary{background:var(--surface);color:var(--text);border-color:var(--border)}.button.secondary:hover{background:var(--bg)}footer{background:var(--surface);border-top:1px solid var(--border)}.footer-main{display:grid;grid-template-columns:1fr 1fr;gap:30px;padding-block:40px}.footer-main>div:first-child{grid-column:1/-1}.footer-main p{color:var(--muted);font-size:12px;margin:17px 0 0}.footer-main strong{display:block;font-size:12px;margin-bottom:14px}.footer-main>div>a:not(.brand){display:block;color:var(--muted);font-size:12px;margin-bottom:8px;min-height:26px}.text-button{border:0;padding:0;background:none;color:var(--blue);text-align:left;font-size:12px;text-decoration:underline;text-underline-offset:4px;min-height:36px}.footer-bottom{border-top:1px solid var(--border);display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;color:var(--muted);font-size:10px;padding-block:20px}.page{padding-block:26px 60px}.breadcrumb{display:flex;flex-wrap:wrap;gap:8px;font-size:11px;color:var(--muted);margin-bottom:35px}.breadcrumb a{text-decoration:underline;text-underline-offset:4px}.page-heading{max-width:820px;margin:0 0 36px}.page-heading h1,.reading h1{font-size:clamp(30px,4vw,44px);margin:13px 0 18px}.page-heading>p,.lead{font-size:17px;color:var(--muted)}.calculator-layout{display:grid;gap:20px;align-items:start}.input-panel,.result-panel{padding:24px;border-radius:var(--radius);border:1px solid var(--border);background:var(--surface);min-width:0}.input-panel h2{font-size:20px;margin-bottom:7px}.muted{color:var(--muted);font-size:12px}.field{display:block;margin:20px 0}.field span{display:block;font-size:13px;font-weight:600;margin-bottom:8px}.field input,.field select{width:100%;min-width:0;min-height:48px;border:1px solid var(--border);border-radius:8px;padding:10px 12px;background:var(--surface);color:var(--text)}.checkbox{display:flex;align-items:center;gap:10px;font-size:13px;min-height:44px;margin-block:12px}.checkbox input{width:20px;height:20px;accent-color:var(--navy)}.reset{display:flex;gap:10px;align-items:center;margin-top:20px}.result-panel{background:var(--navy);color:var(--white)}.result-panel .eyebrow{color:var(--yellow)}.result-panel .muted{color:var(--border)}.result-label{font-size:13px;color:var(--border);margin-top:22px;margin-bottom:4px}.result-value{font-size:clamp(28px,4vw,42px);font-weight:650;letter-spacing:-1px;line-height:1.2;margin-bottom:25px;overflow-wrap:anywhere;color:var(--yellow)}.result-breakdown{margin:20px 0}.result-row{display:flex;justify-content:space-between;gap:14px;border-top:1px solid var(--navy-soft);padding:12px 0;font-size:13px}.result-row span:first-child{color:var(--border)}.result-row strong{text-align:right}.result-note{font-size:12px;color:var(--border)}.result-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}.local-note{display:flex;gap:7px;align-items:center;font-size:11px;color:var(--border);margin-top:25px;margin-bottom:0}.local-note .icon{width:16px;height:16px}.explanation{max-width:850px;margin:40px 0}.explanation h2,.reading h2{font-size:23px;letter-spacing:-.4px;line-height:1.35}.explanation p,.reading p{font-size:15px;color:var(--muted)}.explanation a,.reading p a{color:var(--blue);text-decoration:underline;text-underline-offset:3px}.review{font-size:11px!important;color:var(--muted);margin-block:20px}.related{border-top:1px solid var(--border);padding-top:36px}details{border:1px solid var(--border);border-radius:10px;background:var(--surface);padding:17px;margin-top:24px;font-size:14px}summary{cursor:pointer;font-weight:600}details p{margin:15px 0 0}.reading{max-width:760px;margin:20px auto 50px}.reading section{margin-top:33px}.article-cta{margin:10px 0}.reading p{line-height:1.9}.source-note{padding:22px;border:1px solid var(--border);border-radius:12px}.table-wrap{overflow:auto;background:var(--surface);border-radius:12px;border:1px solid var(--border)}table{width:100%;border-collapse:collapse;min-width:560px;font-size:14px}caption{text-align:left;padding:20px;font-size:12px;color:var(--muted)}th,td{text-align:left;padding:20px;border-bottom:1px solid var(--border);vertical-align:top}thead{background:var(--navy);color:var(--white)}tbody th{width:20%}td{width:40%;color:var(--muted)}.verdict{margin:35px 0;padding:30px;background:var(--yellow-soft);border-radius:var(--radius)}.verdict h2{margin-top:12px}.verdict p{color:var(--muted);max-width:850px}.chart svg{display:block;width:100%;height:140px}.chart p{font-size:11px;color:var(--border)}.chart-line{stroke:var(--yellow);stroke-width:3;fill:none}.chart-base{stroke:var(--border);stroke-width:2;fill:none;stroke-dasharray:5 5}.error{border-left:3px solid var(--yellow);padding-left:14px}dialog{max-width:560px;width:calc(100% - 32px);border:1px solid var(--border);border-radius:var(--radius);padding:28px;background:var(--surface);color:var(--text)}dialog::backdrop{background:rgb(11 28 44 / .6)}dialog p{color:var(--muted);font-size:14px}.button-row{display:flex;flex-wrap:wrap;gap:12px}
@media(min-width:600px){.container{width:min(var(--width),calc(100% - 64px))}.card-grid,.comparison-grid{grid-template-columns:repeat(2,1fr)}.hero-grid{padding-block:60px}.hero-copy{font-size:16px}.footer-main{grid-template-columns:2fr 1fr 1fr 1fr}.footer-main>div:first-child{grid-column:auto}.search-shortcut{display:block}.input-panel,.result-panel{padding:30px}.desktop-break{display:block}}
@media(min-width:960px){.header-inner{height:82px}.menu-toggle{display:none}nav#navigation{display:flex;position:static;padding:0;box-shadow:none;align-items:center;gap:32px}nav#navigation.open{display:flex}.nav-about{margin-left:35px;padding-left:30px!important;border-left:1px solid var(--border);color:var(--muted);display:flex;align-items:center;gap:10px}.nav-about .icon{width:16px}.hero-grid{grid-template-columns:1.3fr 1fr;gap:70px;padding-block:64px 60px}.hero-visual{display:block;position:relative;min-height:330px}.hero-label{font-size:10px}.hero h1{font-size:43px;line-height:1.23}.hero-copy{font-size:14px}.hero-trust{font-size:11px}.search-field{max-width:570px}.pillars{gap:95px;padding-block:20px}.section{padding-block:58px}.card-grid{grid-template-columns:repeat(3,1fr)}.comparison-grid{grid-template-columns:repeat(4,1fr)}.comparison-grid .card{padding:20px}.comparison-grid .card-top{flex-wrap:wrap}.orbit{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);border:1px solid var(--navy-soft);border-radius:50%;pointer-events:none}.orbit-one{width:360px;height:360px}.orbit-two{width:440px;height:440px}.demo-card{position:absolute;top:65px;left:25px;right:25px;background:var(--surface);color:var(--text);border-radius:17px;padding:25px;transform:rotate(-4deg);box-shadow:0 20px 45px rgb(0 0 0 / .12)}.demo-top{display:flex;align-items:center;gap:10px;font-size:9px;letter-spacing:1px;color:var(--muted)}.demo-dots{margin-left:auto}.demo-card>p{font-size:13px;margin:22px 0 4px;color:var(--muted)}.demo-card>strong{font-size:47px;letter-spacing:-2px;font-weight:650;line-height:1.2}.demo-card>strong span{font-size:31px;color:var(--muted)}.demo-line{height:5px;margin:22px 0;background:var(--bg);border-radius:5px;position:relative}.demo-line:before{content:'';display:block;height:100%;width:42%;background:var(--yellow);border-radius:5px}.demo-bottom{font-size:9px;color:var(--muted);display:flex;justify-content:space-between;align-items:center}.demo-bottom span{background:var(--yellow-soft);color:var(--success);border-radius:50%;width:23px;height:23px;display:grid;place-items:center}.floating-label{position:absolute;border-radius:10px;padding:12px 16px;display:flex;gap:10px;align-items:center;font-size:11px;background:var(--navy-soft);box-shadow:var(--shadow);z-index:1}.label-a{top:24px;right:0;transform:rotate(5deg);color:var(--border)}.label-a .icon{color:var(--yellow);width:16px}.label-b{bottom:7px;right:0;background:var(--surface);color:var(--text);transform:rotate(4deg);font-weight:650}.label-b small{display:block;font-size:9px;font-weight:400;color:var(--muted)}.yellow-icon{display:grid;place-items:center;width:32px;height:32px;background:var(--yellow);border-radius:8px}.decor-plus{position:absolute;color:var(--yellow);font-size:24px}.plus-one{top:28px;left:8px}.plus-two{bottom:15px;left:35px;font-size:17px}.promise .button{margin-left:auto}.calculator-layout{grid-template-columns:1fr 1fr;gap:30px}.result-panel{position:sticky;top:25px}.page{padding-top:30px}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important;animation:none!important}.card:hover{transform:none}}
