:root{
  --navy:#0B192C;--navy-2:#13263f;--amber:#F59E0B;--amber-ink:#92400E;--amber-soft:#FEF3C7;
  --bg:#F8FAFC;--card:#FFFFFF;--ink:#0F172A;--muted:#475569;--line:#E2E8F0;--ok:#047857;--bad:#B91C1C;
  --radius:14px;--shadow:0 1px 2px rgba(15,23,42,.06),0 4px 16px rgba(15,23,42,.06);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.55 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
a{color:inherit}
.wrap{max-width:1040px;margin:0 auto;padding:0 16px}
.narrow{max-width:720px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.top{background:var(--navy);color:#fff}
.top-inner{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:56px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;letter-spacing:-.01em;text-decoration:none;font-size:18px}
.brand-mark{width:26px;height:18px;border-radius:3px;background:repeating-linear-gradient(90deg,var(--amber) 0 4px,#d48806 4px 5px);box-shadow:inset 0 0 0 2px var(--amber)}
.top nav{display:flex;gap:16px;font-size:14px}
.top nav a{text-decoration:none;color:#cbd5e1}
.top nav a:hover{color:#fff}
.hero{background:var(--navy);color:#fff;padding:20px 0 64px}
.badge{display:inline-block;margin:0 0 10px;padding:4px 10px;border-radius:999px;background:rgba(245,158,11,.15);color:var(--amber);font-size:13px;font-weight:700}
h1{font-size:clamp(28px,6vw,44px);line-height:1.1;letter-spacing:-.02em;margin:0 0 10px}
h1 .year{color:var(--amber)}
.lede{color:#cbd5e1;max-width:62ch;margin:0;font-size:17px}
main.narrow .lede,.lede-sm{color:var(--muted)}
.calc-grid{display:grid;gap:16px;margin-top:-44px;position:relative}
@media(min-width:860px){.calc-grid{grid-template-columns:1fr 1fr;align-items:start}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:6px;border:0;margin:0 0 14px;padding:4px;background:#EEF2F7;border-radius:10px}
.seg label{position:relative}
.seg input{position:absolute;opacity:0;inset:0}
.seg span{display:block;text-align:center;padding:9px 6px;border-radius:8px;font-weight:700;font-size:14px;cursor:pointer;color:var(--muted)}
.seg input:checked+span{background:var(--navy);color:#fff}
.seg input:focus-visible+span{outline:3px solid var(--amber);outline-offset:1px}
.field{margin-bottom:12px}
.field label,.consent{font-size:13px;font-weight:700;color:var(--ink)}
.field label{display:block;margin-bottom:5px}
input,select{width:100%;font:inherit;font-size:16px;padding:10px 12px;border:1px solid #CBD5E1;border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus{outline:3px solid rgba(245,158,11,.45);border-color:var(--amber)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.hint{font-size:13px;color:var(--muted);margin:-4px 0 12px}
.result-card h2{margin:0 0 10px;font-size:18px}
.result-head{display:flex;justify-content:space-between;gap:8px;font-size:14px;color:var(--muted);padding-bottom:8px;border-bottom:1px solid var(--line)}
.result-head strong{color:var(--ink)}
table.lines{width:100%;border-collapse:collapse;margin-top:6px;font-size:15px}
.lines th{text-align:left;font-weight:600;padding:9px 8px 9px 0;border-bottom:1px solid var(--line)}
.lines td{text-align:right;padding:9px 0;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums;white-space:nowrap;font-weight:600}
.lines .basis{display:block;font-weight:400;font-size:12px;color:var(--muted)}
.lines tfoot th,.lines tfoot td{border-bottom:0}
.lines .total th,.lines .total td{font-size:17px;font-weight:800;padding-top:12px}
.lines .total td{color:var(--amber-ink)}
.lines .landed th,.lines .landed td{font-size:14px;color:var(--muted);font-weight:600}
.alert{background:#FEF2F2;border:1px solid #FECACA;color:var(--bad);padding:10px 12px;border-radius:10px;font-size:14px;font-weight:600;margin:10px 0}
.note,.fees-note{font-size:13px;color:var(--muted);margin:8px 0 0}
.fees-note{font-weight:600;color:var(--ink)}
.actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}
.btn{display:inline-flex;align-items:center;justify-content:center;font:inherit;font-weight:800;font-size:15px;padding:11px 16px;border-radius:10px;border:0;cursor:pointer;text-decoration:none}
.btn-primary{background:var(--amber);color:#1c1300}
.btn-primary:hover{background:#e08e06}
.btn-ghost{background:#fff;color:var(--navy);border:1px solid #CBD5E1}
.btn-block{width:100%}
.btn:focus-visible{outline:3px solid var(--navy);outline-offset:2px}
.quotes{background:var(--navy);color:#fff;margin-top:40px;padding:36px 0}
.quotes h2{margin:0 0 6px;font-size:clamp(22px,4vw,30px)}
.quotes .lede-sm{color:#cbd5e1;margin:0 0 16px;max-width:62ch}
.form-dark{max-width:720px}
.consent{display:flex;gap:10px;align-items:flex-start;font-weight:500;margin:6px 0 14px;line-height:1.45}
.consent input{width:20px;height:20px;flex:0 0 auto;margin-top:1px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-msg{margin:10px 0 0;font-weight:700;font-size:14px;min-height:1em}
.form-msg.ok{color:var(--ok)}.form-msg.err{color:var(--bad)}
.explain{padding:36px 16px 8px}
.explain h2{font-size:22px;margin:24px 0 10px}
.explain ol{padding-left:20px}.explain li{margin-bottom:8px}
.faq{background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 14px;margin-bottom:8px}
.faq summary{font-weight:700;cursor:pointer}
.faq p{margin:8px 0 0;color:var(--muted)}
.prose h2{font-size:19px;margin-top:22px}
main.narrow{padding-top:28px;padding-bottom:20px}
.foot{border-top:1px solid var(--line);margin-top:36px;padding:20px 0;font-size:13px;color:var(--muted)}
.foot-links a{color:var(--navy)}
[hidden]{display:none!important}
@media(max-width:420px){.row2{grid-template-columns:1fr}.top nav{gap:12px}}