:root{--paper: #f5f3ee;--ink: #1c1a17;--muted: #6b665e;--line: #ddd7cc;--accent: #059669;--accent-dark: #047857;--card: #fffdf9}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:Inter,system-ui,-apple-system,Segoe UI,sans-serif;background:var(--paper);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased}a{color:var(--accent-dark)}.wrap{max-width:1200px;margin:0 auto;padding:0 24px}header.site{border-bottom:1px solid var(--line);padding:20px 0}header.site .wrap{display:flex;align-items:baseline;gap:28px;flex-wrap:wrap}.logo{font-size:24px;font-weight:800;letter-spacing:-.03em;color:var(--ink);text-decoration:none}.logo span{color:var(--accent)}nav.main{display:flex;gap:18px;flex-wrap:wrap;font-size:14px}nav.main a{color:var(--muted);text-decoration:none;font-weight:600}nav.main a:hover{color:var(--accent-dark)}main{padding:56px 0 24px}h1{font-size:clamp(34px,5vw,54px);line-height:1.08;letter-spacing:-.03em;font-weight:800;max-width:16em}h1 em{font-style:normal;color:var(--accent)}.lede{font-size:19px;color:var(--muted);max-width:44em;margin-top:18px}h2{font-size:28px;letter-spacing:-.02em;font-weight:800;margin:52px 0 14px}h3{font-size:19px;font-weight:700;margin:28px 0 8px}p{max-width:46em;margin:12px 0}p.answer{font-size:18px}.tool{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:28px;margin:36px 0 8px;box-shadow:0 18px 40px -28px #1c1a1759}.tool-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:16px}.field label{display:block;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:6px}.field select,.field input{width:100%;font:inherit;font-size:17px;padding:12px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}.field select:focus,.field input:focus{outline:2px solid var(--accent);outline-offset:1px}.modes{display:inline-flex;border:1px solid var(--line);border-radius:999px;overflow:hidden;margin-bottom:20px}.modes button{font:inherit;font-size:14px;font-weight:700;padding:9px 18px;background:transparent;border:0;cursor:pointer;color:var(--muted)}.modes button.active{background:var(--accent);color:#fff}.results{margin-top:24px;border-top:1px dashed var(--line);padding-top:20px}.big-nums{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:16px}.big-num .k{font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}.big-num .v{font-size:34px;font-weight:800;letter-spacing:-.02em}.big-num .v.good{color:var(--accent-dark)}.breakdown{margin-top:16px;font-size:15px;color:var(--muted)}.breakdown div{display:flex;justify-content:space-between;max-width:520px;padding:4px 0;border-bottom:1px dotted var(--line)}.rates-note{font-size:13px;color:var(--muted);margin-top:14px}table.data{border-collapse:collapse;width:100%;max-width:760px;margin:16px 0;font-size:15px}table.data th,table.data td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line)}table.data th{font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}table.data td.num,table.data th.num{text-align:right;font-variant-numeric:tabular-nums}table.data tr.hl td{font-weight:700;background:#eefaf4}.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:14px;margin:20px 0}.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px;text-decoration:none;color:var(--ink);display:block}.card:hover{border-color:var(--accent)}.card .t{font-weight:800;font-size:17px}.card .d{font-size:14px;color:var(--muted);margin-top:4px}.faq{max-width:46em}.faq details{border-bottom:1px solid var(--line);padding:14px 0}.faq summary{font-weight:700;cursor:pointer}.faq p{color:var(--muted)}.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:700;padding:12px 22px;border-radius:999px;font-size:15px}.btn.ghost{background:transparent;color:var(--accent-dark);border:1px solid var(--accent)}footer.site{border-top:1px solid var(--line);margin-top:72px;padding:40px 0 56px;font-size:14px;color:var(--muted)}footer.site h4{color:var(--ink);font-size:15px;margin-bottom:10px}.sisters{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:6px 20px;margin-bottom:28px}.sisters a{color:var(--muted);text-decoration:none}.sisters a:hover{color:var(--accent-dark)}.foot-row{display:flex;gap:20px;flex-wrap:wrap;margin-top:18px}@media(max-width:640px){.tool{padding:20px}.big-num .v{font-size:28px}}