@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:ital,wght@1,700&display=swap');
:root{--ink:#12261f;--muted:#60736b;--cream:#f5f3eb;--card:#fff;--green:#155f46;--mint:#dff3e7;--line:#d9e1dc;--orange:#ff6b35}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font:16px/1.6 "DM Sans",sans-serif}button,input{font:inherit}.site-header{height:76px;display:flex;align-items:center;justify-content:space-between;max-width:1180px;margin:auto;padding:0 24px}.brand{color:var(--ink);font-size:22px;font-weight:700;text-decoration:none;letter-spacing:-1px}.brand span{color:var(--green)}nav{display:flex;gap:28px}nav a,footer a{color:var(--ink);text-decoration:none;font-size:14px;font-weight:600}.hero{max-width:1180px;margin:44px auto 72px;padding:0 24px;display:grid;grid-template-columns:1fr 1fr;gap:76px;align-items:center}.eyebrow{color:var(--green);letter-spacing:2px;font-size:12px;font-weight:700}.hero h1{font-size:64px;line-height:1.06;letter-spacing:-3px;margin:14px 0 22px}.hero h1 em{font-family:"Playfair Display",serif;color:var(--green);font-weight:700}.lede{font-size:19px;color:var(--muted);max-width:510px}.trust-row{display:flex;gap:22px;color:var(--green);font-size:13px;font-weight:600;margin-top:28px}.calculator{background:var(--card);padding:12px;border-radius:18px;box-shadow:0 24px 70px rgba(29,62,49,.12)}.calc-tabs{display:flex;background:#eef3ef;border-radius:10px;padding:4px}.calc-tabs button{border:0;background:transparent;padding:11px;flex:1;border-radius:8px;color:var(--muted);cursor:pointer}.calc-tabs button.active{background:#fff;color:var(--ink);font-weight:700;box-shadow:0 2px 8px rgba(0,0,0,.06)}.fields{display:grid;grid-template-columns:1fr 1fr;gap:15px;padding:22px 14px 15px}.fields label{font-size:12px;font-weight:700;color:var(--muted);position:relative}.fields input{display:block;width:100%;border:1px solid var(--line);border-radius:8px;padding:12px;margin-top:5px;color:var(--ink);font-weight:600}.input-wrap{position:relative}.input-wrap b{position:absolute;left:11px;top:14px;z-index:2}.input-wrap input{padding-left:25px}.fields i{position:absolute;right:12px;bottom:10px;font-style:normal}.primary{border:0;background:var(--green);color:#fff;font-weight:700;width:calc(100% - 28px);margin:0 14px 16px;padding:14px;border-radius:8px;cursor:pointer}.results{background:var(--ink);color:#fff;border-radius:11px;padding:20px}.result-main{border-bottom:1px solid #365047;padding-bottom:16px}.result-main span,.result-main small{display:block;color:#aec0b9;font-size:12px}.result-main strong{display:block;font-size:38px;line-height:1.3}.result-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;padding-top:16px}.result-grid span{font-size:10px;color:#aec0b9;display:block}.result-grid b{font-size:13px}.ad-slot{max-width:970px;height:100px;border:1px dashed #b9c5bf;margin:0 auto 90px;display:flex;flex-direction:column;justify-content:center;align-items:center;color:#98a69f;font-size:12px}.ad-slot div{font-size:14px}.section{max-width:1180px;margin:0 auto 110px;padding:0 24px}.section h2,.guide h2{font-size:40px;line-height:1.15;letter-spacing:-1.5px;margin:8px 0 32px}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.tool-grid a{background:#fff;border:1px solid transparent;border-radius:12px;padding:26px;text-decoration:none;color:var(--ink);transition:.2s}.tool-grid a:hover{transform:translateY(-4px);border-color:#b9d5c7}.tool-grid span{font-size:11px;color:var(--green);font-weight:700}.tool-grid h3{margin:20px 0 5px}.tool-grid p{font-size:14px;color:var(--muted);min-height:68px}.tool-grid b{color:var(--green);font-size:13px}.guide{background:var(--mint);padding:75px max(24px,calc((100vw - 1132px)/2));display:grid;grid-template-columns:1.3fr .7fr;gap:100px;margin-bottom:100px}.guide p{color:#476257}.formula{background:#fff;padding:17px 20px;border-left:4px solid var(--orange);font-weight:700;margin:25px 0}.guide aside{background:#fff;border-radius:12px;padding:25px}.guide aside h3{margin-top:0}.guide ul{list-style:none;padding:0;margin:0}.guide li{display:flex;justify-content:space-between;border-top:1px solid var(--line);padding:13px 0;font-size:13px}.guide li button{border:0;background:none;color:var(--green);font-weight:700;cursor:pointer}.faq{max-width:850px}.faq details{background:#fff;border-bottom:1px solid var(--line);padding:19px 22px}.faq summary{font-weight:700;cursor:pointer}.faq details p{color:var(--muted);font-size:14px}footer{background:var(--ink);color:#b7c6c0;padding:45px max(24px,calc((100vw - 1132px)/2));display:grid;grid-template-columns:1fr 2fr 1fr auto;align-items:center;gap:25px}footer .brand,footer a{color:#fff}footer div{display:flex;gap:20px}footer small{font-size:11px}
@media(max-width:800px){nav{display:none}.hero{grid-template-columns:1fr;gap:35px;margin-top:25px}.hero h1{font-size:45px}.trust-row{flex-wrap:wrap}.tool-grid{grid-template-columns:1fr}.guide{grid-template-columns:1fr;gap:30px}.result-grid{grid-template-columns:1fr 1fr}.fields{grid-template-columns:1fr 1fr}footer{grid-template-columns:1fr}.ad-slot{margin:0 24px 70px}}
.tool-card{background:#fff;border:1px solid transparent;border-radius:12px;padding:26px;color:var(--ink)}.tool-card.disabled{opacity:.62}.tool-card span{font-size:11px;color:var(--green);font-weight:700}.tool-card h3{margin:20px 0 5px}.tool-card p{font-size:14px;color:var(--muted);min-height:68px}.tool-card b{color:var(--green);font-size:13px}
.article{max-width:850px;margin:65px auto 110px;padding:0 24px}.article h1{font-size:52px;line-height:1.1;letter-spacing:-2px;margin:8px 0 20px}.article h2{font-size:28px;margin:48px 0 16px}.answer{font-size:25px;font-weight:700;color:var(--green);background:var(--mint);padding:22px;border-radius:12px}.article-lede,.article>p{color:var(--muted)}.pay-table{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden}.pay-table th,.pay-table td{padding:15px 20px;border-bottom:1px solid var(--line);text-align:left}.pay-table td{font-weight:700;color:var(--green);text-align:right}.article .ad-slot{margin:45px 0}.article details{background:#fff;padding:20px;border-radius:10px}.article summary{font-weight:700;cursor:pointer}.related-links{display:flex;flex-wrap:wrap;gap:10px}.related-links a,.article-cta a{color:var(--green);background:#fff;padding:10px 14px;border-radius:8px;text-decoration:none;font-weight:700;font-size:14px}.article-cta{margin-top:45px}.guide li a{color:var(--green);font-weight:700;text-decoration:none}