:root{--navy:#17324d;--deep:#0d2336;--blue:#2d648e;--sky:#dceaf3;--orange:#ffb14e;--coral:#f06f5d;--cream:#f6f0e7;--paper:#fffdf7;--ink:#233848;--muted:#74818a;--line:#ddd9d2;--shadow:0 24px 70px rgba(23,50,77,.14)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--cream);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:inherit;text-underline-offset:3px}button,input,select{font:inherit}.icon{width:1.2em;height:1.2em;flex:none}.shell{width:min(1160px,calc(100% - 44px));margin:auto}.narrow{width:min(850px,calc(100% - 44px))}.skip-link{position:fixed;z-index:99;top:0;left:10px;padding:10px;color:var(--deep);background:var(--orange);clip-path:inset(100%)}.skip-link:focus{top:10px;clip-path:none}
.site-header{color:white;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.13)}.header-inner{min-height:79px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{display:flex;align-items:center;gap:10px;color:white;text-decoration:none}.brand-mark{width:42px;height:42px;display:grid;place-items:center;color:var(--deep);background:var(--orange);border-radius:10px}.brand-mark .icon{width:25px;height:25px}.brand>span:last-child{display:grid;line-height:1.03}.brand strong{font-size:13px}.brand b{color:var(--orange);font-size:9px;letter-spacing:.18em;text-transform:uppercase}.site-header nav{display:flex;gap:30px}.site-header nav a{color:#a9bbc8;font-size:12px;font-weight:780;text-decoration:none}.site-header nav a:hover,.site-header nav a[aria-current=page]{color:var(--orange)}.head-link{display:flex;align-items:center;gap:8px;color:var(--orange);font-size:12px;font-weight:850}
.hero{overflow:hidden;color:white;background:linear-gradient(111deg,var(--navy) 0 67%,#274e6b 67%)}.hero-grid{min-height:635px;display:grid;grid-template-columns:1fr .94fr;align-items:center;gap:82px;padding-block:70px 78px}.eyebrow,.chapter{margin:0 0 14px;color:var(--orange);font-size:9px;font-weight:900;letter-spacing:.17em;text-transform:uppercase}.eyebrow.blue,.chapter{color:#477899}h1,h2,h3,p{margin-top:0}.hero h1,.subhero h1,.not-found h1{margin-bottom:25px;font:500 clamp(55px,6.7vw,86px)/.94 Georgia,serif;letter-spacing:-.055em}.hero h1 em,.subhero h1 em{color:var(--orange);font-style:italic}.hero-grid>div:first-child>p:not(.eyebrow){max-width:570px;margin-bottom:29px;color:#cedae2;font-size:18px}.button{display:inline-flex;min-height:51px;align-items:center;gap:9px;padding:12px 22px;color:var(--deep);background:var(--orange);box-shadow:8px 8px 0 var(--coral);text-decoration:none;font-size:13px;font-weight:900}.hero-rate{display:flex;align-items:center;gap:13px;margin-top:38px}.hero-rate strong{color:var(--orange);font:500 27px Georgia,serif}.hero-rate span{color:#a9bdc9;font-size:8px}
.route-card{position:relative;padding:29px;color:var(--ink);background:var(--paper);box-shadow:13px 13px 0 var(--coral);transform:rotate(-.8deg)}.route-head{display:flex;justify-content:space-between;padding-bottom:14px;border-bottom:2px solid var(--navy);font-size:8px;font-weight:900;letter-spacing:.12em}.route-head b{color:var(--coral)}.route-map{display:grid;grid-template-columns:auto 1fr auto;align-items:center;margin:30px 0}.route-map article{display:grid;justify-items:center}.route-map article i{width:39px;height:39px;display:grid;place-items:center;color:white;background:var(--navy);border-radius:50%;font-style:normal;font-weight:900}.route-map article:last-child i{background:var(--coral)}.route-map article b{margin-top:7px;font-size:9px}.route-map article small,.route-map>div small{color:var(--muted);font-size:6px}.route-map>div{display:grid;text-align:center}.route-map>div span{color:var(--blue);font:600 19px Georgia,serif}.route-map>div b{height:3px;background:repeating-linear-gradient(90deg,var(--orange) 0 11px,transparent 11px 18px)}.route-card dl{margin:0}.route-card dl>div{display:flex;justify-content:space-between;padding:9px 0;border-top:1px solid var(--line);font-size:9px}.route-card dd{margin:0;font-weight:850}.route-result{display:flex;justify-content:space-between;align-items:end;margin-top:15px;padding:18px;background:var(--sky)}.route-result span{font-size:7px;font-weight:900}.route-result strong{font:500 25px Georgia,serif}.sign{position:absolute;right:-29px;bottom:-40px;width:91px;height:91px;display:grid;place-content:center;color:var(--deep);background:var(--orange);border:5px solid white;border-radius:50%;font:700 19px/1 Georgia,serif;text-align:center;box-shadow:0 0 0 2px var(--orange);transform:rotate(7deg)}.sign small{display:block;margin-top:4px;font:7px sans-serif}.fact-row{min-height:90px;display:grid;grid-template-columns:repeat(3,1fr);align-items:center;gap:20px}.fact-row span{display:flex;align-items:center;gap:8px;color:#aec0cc;font-size:9px}.fact-row b{color:white}.fact-row .icon{color:var(--orange)}
.calculator-wrap{padding:105px 0 115px}.section-heading{display:grid;grid-template-columns:1.15fr .85fr;align-items:end;gap:70px;margin-bottom:43px}.section-heading h2{margin:0;font:500 clamp(42px,5vw,63px)/1 Georgia,serif;letter-spacing:-.05em}.section-heading>p{max-width:470px;margin:0;color:var(--muted);font-size:14px}.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.input-panel,.result-panel{padding:31px;background:var(--paper);border:1px solid var(--line);box-shadow:var(--shadow)}.panel-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:26px}.panel-head span{color:#4d7b9a;font-size:8px;font-weight:900;letter-spacing:.14em}.panel-head b{font-size:17px}.field-pair{display:grid;grid-template-columns:1fr 1fr;gap:11px}.field{display:grid;gap:7px;margin-bottom:18px}.field[hidden]{display:none}.field>span{color:var(--muted);font-size:9px;font-weight:780}.field>small{color:#9ba4aa;font-size:7px}.field select,.unit-input{width:100%;min-height:53px;color:var(--ink);background:#edf2f4;border:1px solid #d5dfe4;border-radius:4px;outline:0}.field select{padding:0 12px;font-size:11px;font-weight:750}.unit-input{display:flex;align-items:center;padding:0 12px}.unit-input input{min-width:0;width:100%;border:0;outline:0;color:var(--ink);background:transparent;font-size:17px;font-weight:800}.unit-input b{color:var(--blue);font-size:9px}.field select:focus,.unit-input:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(45,100,142,.12)}.form-error{min-height:18px;margin:2px 0;color:#ad4034;font-size:9px;font-weight:800}.local-note{display:flex;gap:7px;margin:13px 0 0;color:var(--muted);font-size:8px}.result-panel{color:white;background:var(--navy);border-color:var(--navy)}.panel-head.dark span{color:var(--orange)}.main-result{display:grid;padding-bottom:23px;border-bottom:1px solid rgba(255,255,255,.14)}.main-result span{color:#aac0ce;font-size:8px}.main-result strong{margin:3px 0;color:var(--orange);font:500 47px Georgia,serif}.main-result small{color:#a0b3c0}.result-list{margin:14px 0}.result-list>div{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.12)}.result-list dt{display:grid;grid-template-columns:auto 1fr;align-items:center;gap:0 9px;font-size:10px}.result-list dt i{grid-row:1/3;width:28px;height:28px;display:grid;place-items:center;color:var(--deep);background:var(--orange);border-radius:8px;font-style:normal;font-weight:900}.result-list dt small{color:#8ca3b2;font-size:7px}.result-list dd{margin:0;font-weight:850}.tax-effect{display:grid;grid-template-columns:1fr auto;margin-top:14px;padding:14px;color:var(--deep);background:var(--orange)}.tax-effect span{font-size:9px}.tax-effect strong{font-size:17px}.tax-effect small{grid-column:1/-1;font-size:7px}
.comparison-panel{margin-top:20px;padding:31px;background:var(--paper);border:1px solid var(--line)}.comparison-panel header{display:flex;justify-content:space-between;align-items:end}.comparison-panel header h2{margin:0;font:500 32px Georgia,serif}.comparison-panel header>strong{color:var(--coral);font:500 31px Georgia,serif}.comparison-bars{display:grid;gap:17px;margin:31px 0 21px}.comparison-bars article{display:grid;grid-template-columns:115px 1fr 100px;align-items:center;gap:12px}.comparison-bars span{font-size:9px;font-weight:800}.comparison-bars article>div{height:13px;background:#e6eaeb;border-radius:9px;overflow:hidden}.comparison-bars i{display:block;height:100%;background:var(--blue)}.comparison-bars article:first-child i{background:var(--orange)}.comparison-bars b{text-align:right;font-size:10px}.comparison-panel>p{margin:0;color:var(--muted);font-size:9px}
.explain{padding:105px 0 115px;color:white;background:var(--deep)}.section-heading.inverse h2{color:white}.section-heading.inverse>a{display:flex;align-items:center;gap:8px;color:var(--orange);font-size:12px;font-weight:850}.explain-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.explain-grid article{min-height:235px;padding:27px;background:#173247;border:1px solid #2d4b61}.explain-grid article>span{color:var(--orange);font-size:9px}.explain-grid h3{margin:65px 0 9px;font:500 24px Georgia,serif}.explain-grid p{color:#98adbb;font-size:10px}
.subhero{padding:100px 0 95px;color:white;background:var(--navy)}.subhero.compact{padding-block:72px}.subhero>div>p:last-child{color:#c2d0d8;font-size:18px}.prose{max-width:870px;padding-block:85px 115px}.prose section{margin-bottom:70px}.prose h2,.legal h2{margin-bottom:17px;font:500 40px/1.08 Georgia,serif;letter-spacing:-.04em}.prose p,.prose li,.legal p{color:var(--muted);font-size:17px;line-height:1.75}.formula{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:12px;margin:25px 0;padding:22px;color:white;background:var(--navy);text-align:center}.formula i{color:#a6bac7}.formula strong{color:var(--orange)}.sources{padding:29px;background:#e4edf1}.sources li{font-size:13px}.sources a,.legal a{color:#386d93;font-weight:750}.faq-list{max-width:900px;padding-block:75px 110px}.faq-list details{border-top:1px solid var(--line);background:var(--paper)}.faq-list summary{position:relative;padding:24px 52px 24px 6px;cursor:pointer;list-style:none;font:500 23px Georgia,serif}.faq-list summary:after{position:absolute;right:15px;color:var(--coral);content:"+"}.faq-list details[open] summary:after{content:"−"}.faq-list details>div{max-width:760px;padding:0 52px 25px 6px;color:var(--muted)}.legal{max-width:800px;padding-block:80px 110px}.legal section{margin-bottom:44px}.legal h2{font-size:29px}.legal p{font-size:16px}.not-found{min-height:620px;display:grid;place-items:center;padding:80px 0;color:white;background:var(--navy);text-align:center}.not-found span{color:var(--orange);font-size:9px}.not-found h1{margin-top:16px}
.site-footer{color:#96a9b7;background:#071722}.footer-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr;gap:70px;padding-block:65px 50px}.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:8px}.footer-grid p{margin:10px 0 0;color:#526775;font-size:11px}.footer-grid>div>b{color:var(--orange);font-size:9px}.footer-grid a:not(.brand){font-size:11px;text-decoration:none}.footer-bottom{display:flex;justify-content:space-between;padding-block:18px;color:#4b606d;border-top:1px solid #1e303b;font-size:9px}
@media(max-width:720px){.shell,.narrow{width:min(100% - 30px,1160px)}.header-inner{min-height:68px}.site-header nav{display:none}.head-link{font-size:0}.hero-grid{min-height:auto;grid-template-columns:1fr;gap:48px;padding-block:55px 70px}.hero h1,.subhero h1{font-size:49px}.hero-grid>div:first-child>p:not(.eyebrow){font-size:16px}.route-card{padding:22px;box-shadow:8px 8px 0 var(--coral)}.sign{right:-3px}.fact-row{grid-template-columns:1fr;gap:9px;padding-block:20px}.calculator-wrap{padding-block:72px 82px}.section-heading{grid-template-columns:1fr;gap:17px}.section-heading h2{font-size:43px}.calculator-grid{grid-template-columns:1fr}.input-panel,.result-panel,.comparison-panel{padding:23px}.field-pair{grid-template-columns:1fr}.comparison-panel header{align-items:flex-start;flex-direction:column}.comparison-bars article{grid-template-columns:1fr}.comparison-bars b{text-align:left}.explain{padding-block:75px 82px}.explain-grid{grid-template-columns:1fr}.subhero{padding-block:70px}.prose{padding-block:65px 90px}.prose h2{font-size:34px}.formula{grid-template-columns:1fr}.faq-list{padding-block:55px 80px}.footer-grid{grid-template-columns:1fr 1fr;gap:38px 25px}.footer-grid>div:first-child{grid-column:1/-1}}
@media(max-width:420px){.hero h1,.subhero h1{font-size:43px}.route-map{grid-template-columns:1fr}.route-map>div{margin:10px 0}.route-result{align-items:flex-start;flex-direction:column;gap:5px}.main-result strong{font-size:39px}.footer-bottom{flex-direction:column;gap:5px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}