:root{--ink:#142638;--ink-soft:#556270;--paper:#fcfbf7;--card:#fff;--edge:#e6e8e5;--mint:#66d4b6;--mint-soft:#e6f8f1;--sand:#f1eee7;--amber:#ffc783;--navy:#102338;--navy-2:#1a3a4e;--shadow:0 12px 36px rgba(13,38,57,.055);--r:20px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.6;font-size:16px}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button{cursor:pointer}button,input,select{outline-offset:3px}img{max-width:100%;height:auto}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.14;letter-spacing:-.038em}h1{font-size:clamp(2.65rem,5.2vw,5rem)}h2{font-size:clamp(1.9rem,3.4vw,2.9rem)}h3{font-size:1.25rem}.container{width:min(1160px,calc(100% - 44px));margin-inline:auto}.narrow{max-width:960px}.skip-link{position:absolute;top:-100px;left:1rem;z-index:40;background:white;padding:12px}.skip-link:focus{top:1rem}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}.site-header{height:76px;border-bottom:1px solid #ecede8;background:#fff;position:relative;z-index:4}.nav-wrap{display:flex;align-items:center;justify-content:space-between;height:100%;gap:25px}.logo{display:inline-flex;align-items:center;gap:9px;font-weight:850;letter-spacing:-.055em;font-size:26px;white-space:nowrap}.logo-mark{display:grid;place-items:center;width:36px;height:36px;background:var(--navy);color:var(--mint);font-size:30px;border-radius:11px;line-height:1}.logo-dot{color:#39b995}.nav-links{display:flex;gap:35px;font-size:14px;font-weight:600;color:#435364}.nav-links a:hover,.footer-grid a:hover{color:#19a688}.nav-cta{background:var(--mint-soft);color:#135f52;border:1px solid #c6e9dd;border-radius:999px;padding:10px 18px;font-size:13px;font-weight:800}.nav-cta:hover{background:#d4f4e7}.hero{background:radial-gradient(circle at 82% 16%,#245f62 0%,#1d454f 22%,transparent 50%),linear-gradient(130deg,#102238,#193848 72%,#1c414c);color:white;position:relative;overflow:hidden;padding:79px 0 84px}.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:60px;align-items:center;position:relative;z-index:2}.hero-copy h1{font-size:clamp(3.2rem,5.6vw,5.9rem);font-weight:790;line-height:1.05;margin:25px 0}.hero-copy h1 em{font-style:normal;color:var(--mint)}.hero-copy>p{font-size:17px;max-width:540px;line-height:1.75;color:#d3e2df}.hero-pill{width:max-content;background:rgba(255,255,255,.09);border:1px solid rgba(204,246,233,.19);border-radius:40px;color:#d9f5e9;padding:9px 16px;font-weight:750;font-size:11px;letter-spacing:.12em}.live-dot{display:inline-block;background:#8ae9ad;width:7px;height:7px;border-radius:50%;margin-right:8px;box-shadow:0 0 0 4px rgba(137,230,172,.13)}.hero-points{display:flex;flex-wrap:wrap;gap:20px;color:#d2e9df;font-size:13px;margin:27px 0 33px;font-weight:700}.hero-points span:first-letter{color:var(--mint)}.button{border:0;border-radius:11px;display:inline-flex;align-items:center;justify-content:center;gap:14px;padding:14px 22px;min-height:49px;font-weight:800;font-size:14px;transition:transform .15s,background .15s}.button:hover{transform:translateY(-1px)}.button-light{background:var(--mint);color:#0e3435}.button-primary{background:var(--navy);color:#fff}.button-primary:hover{background:#1e4f57}.hero-widget{background:white;border-radius:23px;color:var(--ink);padding:27px 30px 29px;box-shadow:0 35px 70px #071b2536;max-width:520px;width:100%;margin-left:auto}.widget-top{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid #edf0ee;padding-bottom:17px;margin-bottom:25px}.widget-label{font-size:11px;font-weight:800;letter-spacing:.13em;color:#548378}.widget-dots{letter-spacing:5px;font-size:7px;color:#cad2ce}.hero-widget h2{font-size:26px;letter-spacing:-.035em;margin:0 0 5px}.hero-widget>p{font-size:13px;color:#6d7c80;margin:0 0 20px}.hero-decoration{position:absolute;right:-70px;bottom:-175px;font-size:600px;line-height:1;opacity:.027;pointer-events:none}.calc-form .fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-bottom:20px}.field{display:flex;flex-direction:column;min-width:0}.field label{font-size:13px;color:#42525d;font-weight:750;margin-bottom:8px}.field input,.field select{width:100%;background:#fbfcfa;color:var(--ink);min-height:49px;border:1.5px solid #dfe6e2;border-radius:10px;padding:11px 12px;transition:border-color .2s,box-shadow .2s}.field input:focus,.field select:focus{border-color:#4fbca2;outline:0;box-shadow:0 0 0 3px #66d4b629}.field input:user-invalid{border-color:#da6153}.form-error{color:#a93229;background:#fff1ec;border-radius:9px;padding:11px 13px;font-size:13px;margin:12px 0}.form-error[hidden],.result[hidden]{display:none!important}.calc-form>.button{min-width:160px}.hero-widget .calc-form>.button{width:100%}.result{margin-top:22px;padding:20px 22px;border-radius:14px;background:linear-gradient(145deg,#edf9f4,#f7fbf8);border:1px solid #ccece1}.result-label{font-size:11px;font-weight:800;letter-spacing:.14em;color:#36786c;text-transform:uppercase;margin-bottom:5px}.result-main{font-size:clamp(1.6rem,3vw,2.3rem);font-weight:850;line-height:1.22;color:#122f38;letter-spacing:-.04em;margin:6px 0 9px}.result-desc{margin:0;color:#456065;font-size:13.5px;line-height:1.65}.result-stats{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}.result-stat{padding:9px 12px;border:1px solid #cce8dc;background:rgba(255,255,255,.75);border-radius:9px;min-width:110px;flex:1}.result-stat strong{display:block;white-space:nowrap;font-size:17px;letter-spacing:-.025em}.result-stat span{display:block;font-size:11px;color:#657b7d}.result-share{border:1px solid #b6d9ce;background:white;color:#236557;border-radius:8px;padding:6px 11px;margin-top:14px;font-size:12px;font-weight:750}.trust-strip{background:#e9f6ef;border-bottom:1px solid #d9ebdf}.trust-strip .container{display:flex;justify-content:space-between;gap:24px;padding:22px 0;font-size:13px;color:#4f6864;font-weight:600}.trust-strip b{font-size:20px;color:var(--ink);margin-right:4px}.section{padding:92px 0}.section-top{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:31px}.section-top h2,.section-top h3{margin:6px 0 9px}.section-top p{color:var(--ink-soft);margin:0}.eyebrow,.small-kicker{font-weight:850;letter-spacing:.16em;font-size:11px;color:#168c74}.cards-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.tool-card{display:flex;flex-direction:column;background:white;border:1px solid #e7e9e5;border-radius:17px;padding:23px 23px 26px;min-height:194px;transition:transform .16s,box-shadow .16s,border-color .16s}.tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#9ddbc8}.card-tag{color:#29846e;background:#e9f9f2;font-size:10px;font-weight:800;letter-spacing:.035em;width:max-content;padding:5px 9px;border-radius:999px;margin-bottom:20px}.tool-title{display:flex;justify-content:space-between;align-items:flex-start;font-size:18px;font-weight:800;letter-spacing:-.03em;line-height:1.3;margin-bottom:10px;gap:8px}.arrow{color:#54a891;font-weight:500}.tool-desc{font-size:13px;line-height:1.65;color:#66727a}.tools-section{background:#f1f3ed}.tools-header{align-items:center}.search-control{border:1px solid #dce3dd;background:#fff;border-radius:12px;padding:10px 14px;display:flex;align-items:center;gap:8px;min-width:265px}.search-control span{font-size:22px;color:#73928a}.search-control input{background:transparent;border:0;outline:0;width:100%;font-size:13px;min-width:0}.filter-bar{display:flex;gap:9px;flex-wrap:wrap;margin:8px 0 46px}.filter-chip{border:1px solid #d8dfd7;background:#fff;border-radius:100px;padding:9px 15px;font-size:12px;font-weight:750;color:#5b706b}.filter-chip.active{background:#173e41;color:white;border-color:#173e41}.category-section{margin:0 0 54px}.category-section[hidden],.tool-card[hidden]{display:none!important}.category-section .section-top{margin-bottom:20px}.category-section h3{font-size:26px}.item-count{font-size:12px;color:#69817b;font-weight:750}.empty-search{padding:25px;background:white;border-radius:12px}.explanation{background:#fff}.explanation-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:80px}.explanation h2{margin:13px 0 20px}.explanation p{color:#68777a;max-width:550px}.text-link{font-weight:800;color:#168368;font-size:14px}.explanation-steps{padding:10px}.explanation-steps>div{display:flex;gap:24px;align-items:start;padding:18px 0 22px;border-bottom:1px solid #e8ebe8}.explanation-steps>div>span{width:47px;height:47px;flex-shrink:0;display:grid;place-items:center;border-radius:13px;background:#e9f7ef;color:#287b69;font-size:13px;font-weight:800}.explanation-steps h3{margin-bottom:5px}.explanation-steps p{margin:0;font-size:13px}.home-faq{background:#f2f4ed}.home-faq h2{margin:12px 0 35px}.faq details{background:#fff;border:1px solid #e1e6de;border-radius:12px;margin:10px 0;padding:0 18px}.faq details[open]{border-color:#b8dccc}.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px;font-size:15px;font-weight:800;padding:18px 0;line-height:1.45}.faq summary:after{content:'+';font-size:19px;color:#44836c;line-height:1;flex-shrink:0}.faq details[open] summary:after{content:'−'}.faq summary::-webkit-details-marker{display:none}.faq details p{font-size:14px;color:#607379;margin:-2px 0 18px}.site-footer{background:#12283b;color:white;padding:64px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:64px;padding-bottom:55px}.footer-logo{margin-bottom:16px}.footer-logo .logo-mark{background:#244b56}.footer-grid p{max-width:300px;font-size:13px;color:#b7c6cf}.footer-grid>div:nth-child(n+2){display:flex;flex-direction:column;gap:12px}.footer-grid strong{font-size:13px;margin-bottom:4px;color:#e1f5ed}.footer-grid a:not(.logo){font-size:13px;color:#b4c6cd}.footer-bottom{padding-top:22px;border-top:1px solid #304657;display:flex;justify-content:space-between;gap:16px;font-size:11px;color:#9ab0bb}.breadcrumbs{display:flex;flex-wrap:wrap;gap:10px;color:#75878c;font-size:12px;margin:29px 0 36px}.breadcrumbs a:hover{color:#27866f}.detail-intro{max-width:850px;margin:10px 0 34px}.detail-intro h1{font-size:clamp(2.6rem,5vw,4.4rem);max-width:870px;margin:13px 0 15px}.detail-intro p{font-size:17px;color:#687b7d;max-width:700px;line-height:1.75}.calc-shell{border:1px solid #e1e8e4;border-radius:22px;background:#fff;padding:29px 34px 36px;box-shadow:var(--shadow)}.calc-heading{display:flex;align-items:center;gap:15px;border-bottom:1px solid #edf0ec;padding-bottom:21px;margin-bottom:26px}.calc-icon{font-size:26px;color:#1f7e65;display:grid;place-items:center;border-radius:13px;width:49px;height:49px;background:#e9f8f1}.calc-heading strong{display:block;font-size:18px;line-height:1.4}.calc-heading small{display:block;color:#7b8787;font-size:12px}.calc-shell .calc-form .fields{max-width:720px;gap:20px}.content-columns{display:grid;grid-template-columns:minmax(0,1fr) 255px;align-items:start;gap:52px;padding:66px 0}.article-copy h2{font-size:25px;margin:31px 0 12px}.article-copy h2:first-child{margin-top:0}.article-copy p{color:#617177;font-size:15px;line-height:1.85;margin-bottom:16px}.side-note{border:1px solid #e0e6dd;border-radius:16px;padding:26px;background:#f2f7f1}.side-note h3{margin:12px 0}.side-note p{font-size:13px;color:#627970}.side-note a{font-size:13px;color:#1a8165;font-weight:800;display:block;margin-top:10px}.mini-rule{height:1px;background:#d7e7db;margin:25px 0}.related{margin:5px 0 100px}.related h2{font-size:28px}.related .tool-card{min-height:187px}.legal-main{padding-bottom:110px}.prose{max-width:800px}.prose h1{font-size:48px;margin:18px 0}.prose .lead{font-size:19px;color:#577078;line-height:1.65}.prose h2{font-size:25px;margin:34px 0 12px}.prose p{font-size:15px;color:#52666f;line-height:1.8}.prose p a:not(.button){color:#17856d;text-decoration:underline}.prose>.button{margin-top:10px}
@media(max-width:900px){.nav-links{gap:15px}.hero-grid{gap:22px}.hero{padding:58px 0 62px}.hero-copy h1{font-size:clamp(2.7rem,5vw,4.5rem)}.hero-widget{padding:23px}.cards-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.explanation-grid{gap:35px}.content-columns{grid-template-columns:1fr 215px;gap:25px}.footer-grid{gap:30px}}
@media(max-width:680px){.container{width:calc(100% - 32px)}.site-header{height:68px}.logo{font-size:23px}.logo-mark{width:32px;height:32px;font-size:27px}.nav-links{display:none}.nav-cta{font-size:12px;padding:9px 12px}.hero-grid{grid-template-columns:1fr}.hero-copy h1{font-size:clamp(2.8rem,10vw,4.2rem);margin:18px 0}.hero{padding:45px 0 58px}.hero-copy>p{font-size:15px}.hero-points{margin:20px 0 28px;gap:13px}.hero-widget{margin:22px 0 0;max-width:none}.hero-widget .calc-form .fields{grid-template-columns:1fr}.trust-strip .container{display:grid;grid-template-columns:1fr 1fr;gap:11px;padding:17px 0}.trust-strip b{font-size:16px}.section{padding:62px 0}.section-top{align-items:start;flex-direction:column}.cards-grid{grid-template-columns:1fr;gap:12px}.tool-card{min-height:0;padding:21px}.card-tag{margin-bottom:10px}.search-control{width:100%;min-width:0}.tools-header{gap:20px}.filter-bar{margin-bottom:31px}.category-section{margin-bottom:43px}.category-section .section-top{flex-direction:row;align-items:center}.category-section h3{font-size:21px}.explanation-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr;gap:35px}.footer-grid>div:first-child{grid-column:span 2}.footer-bottom{flex-direction:column}.detail-intro h1{font-size:39px}.detail-intro p{font-size:15px}.breadcrumbs{margin:18px 0 28px}.calc-shell{padding:20px 17px 27px}.calc-shell .calc-form .fields{grid-template-columns:1fr;gap:14px}.content-columns{grid-template-columns:1fr;padding:45px 0;gap:20px}.side-note{padding:20px}.related{margin-bottom:65px}.prose h1{font-size:38px}.result{padding:17px}.result-main{font-size:25px}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;transition:none!important}}