:root{--ink: #0d1b26;--deep: #0e2a3a;--brand: #12a3a0;--brand-2: #0c7d7b;--coral: #ff6b4a;--coral-dark: #e2543a;--sand: #f5f8f8;--card: #ffffff;--line: #e2ebec;--muted: #5c6f78;--text: #16262f;--maxw: 1080px;--font-display: "Space Grotesk", system-ui, sans-serif;--font-body: system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;--radius: 14px;--shadow: 0 1px 2px rgba(13,27,38,.06), 0 8px 24px rgba(13,27,38,.06)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--font-body);color:var(--text);background:var(--sand);line-height:1.6;-webkit-font-smoothing:antialiased}h1,h2,h3{font-family:var(--font-display);line-height:1.12;letter-spacing:-.02em;color:var(--ink)}h1{font-size:clamp(2.2rem,5vw,3.4rem);font-weight:700;margin:0 0 .3em}h2{font-size:clamp(1.5rem,3vw,2.1rem);margin:0 0 .4em}p{margin:0 0 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a{color:var(--brand-2)}.hero{background:linear-gradient(160deg,var(--deep),var(--ink));color:#eaf6f5;padding:72px 0 84px}.hero h1{color:#fff;max-width:18ch}.hero .lede{font-size:1.2rem;color:#b9d4d3;max-width:54ch;margin-top:14px}.btn{display:inline-block;background:var(--coral);color:#fff;font-weight:700;font-family:var(--font-display);padding:13px 22px;border-radius:999px;border:0;cursor:pointer;font-size:1rem}.btn:hover{background:var(--coral-dark);text-decoration:none}.btn-ghost{background:transparent;color:#eaf6f5;border:1px solid rgba(255,255,255,.35);margin-left:8px}section{padding:56px 0}.grid{display:grid;gap:22px}.cols-3{grid-template-columns:repeat(3,1fr)}.cols-2{grid-template-columns:repeat(2,1fr)}@media(max-width:800px){.cols-3,.cols-2{grid-template-columns:1fr}.site-header nav{display:none}}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}.card h3{margin:8px 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var(--line);border-radius:999px;font-size:1rem}.tool-wrap{padding-top:40px}.lede-dark{font-size:1.15rem;color:var(--muted);max-width:60ch}.sample-note{background:#fff6ed;border:1px solid #ffd9b8;color:#8a4b1e;font-size:.85rem;padding:10px 14px;border-radius:10px;margin:14px 0 0}.calc{margin:20px 0 24px}.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px 20px}.calc-grid label{display:flex;flex-direction:column;gap:6px;font-size:.85rem;font-weight:600;color:var(--ink)}.calc-grid input,.calc-grid select{padding:11px 12px;border:1px solid var(--line);border-radius:10px;font-size:1rem;font-family:var(--font-body);background:#fff}.summary{margin-top:20px;padding-top:18px;border-top:1px solid var(--line);font-size:1.05rem}.summary b{font-family:var(--font-display)}.prose{max-width:760px}.prose h2{margin-top:8px}.results{display:flex;flex-direction:column;gap:12px;margin-bottom:8px}.rcard{display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;box-shadow:var(--shadow)}.rcard.win{border-color:#bfe4e2}.rrank{font-family:var(--font-display);font-weight:700;color:var(--muted);width:26px;text-align:center;flex:none}.rmain{flex:1;min-width:0}.rname{font-family:var(--font-display);font-weight:700;color:var(--ink)}.rbadge{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;padding:2px 7px;border-radius:999px;margin-left:8px;background:#eef3f4;color:var(--muted)}.rmeta{font-size:.85rem;color:var(--muted);margin-top:3px}.rflow{text-align:right;flex:none}.rflow .n{font-family:var(--font-display);font-weight:700;font-size:1.3rem;color:var(--ink)}.rflow .u{font-size:.72rem;color:var(--muted)}.pill-win{display:inline-block;font-size:.7rem;font-weight:700;color:#0c7d7b;background:#e2f4f2;padding:3px 9px;border-radius:999px}.pill-no{display:inline-block;font-size:.7rem;font-weight:700;color:#9a5a3a;background:#fbeadd;padding:3px 9px;border-radius:999px}.rbuy{margin-left:12px;flex:none}.aff{display:inline-block;background:var(--coral);color:#fff;font-weight:700;font-family:var(--font-display);font-size:.85rem;padding:9px 14px;border-radius:999px;white-space:nowrap}.aff:hover{background:var(--coral-dark);text-decoration:none}.rnote{font-size:.8rem;color:var(--muted);margin-top:14px;max-width:72ch;line-height:1.5}@media(max-width:720px){.calc-grid{grid-template-columns:1fr 1fr}}@media(max-width:640px){.rcard{flex-wrap:wrap}.rbuy{margin-left:0;width:100%}.aff{display:block;text-align:center}}.cardlink{display:block;color:inherit;text-decoration:none;transition:transform .15s ease,box-shadow .15s ease}.cardlink:hover{text-decoration:none;transform:translateY(-2px);box-shadow:0 10px 30px #0d1b261a}.breakdown{width:100%;border-collapse:collapse;margin:8px 0 4px;font-size:.95rem}.breakdown td{padding:9px 4px;border-bottom:1px solid var(--line)}.breakdown td:last-child{text-align:right;color:var(--muted);white-space:nowrap}.breakdown tr.total td{font-family:var(--font-display);font-weight:700;color:var(--ink);border-top:2px solid var(--line);border-bottom:none;padding-top:14px}.breakdown tr.total td:last-child{color:var(--ink)}.bigtotals{display:flex;gap:16px;flex-wrap:wrap;margin:18px 0}.bigtotal{flex:1;min-width:180px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px;box-shadow:var(--shadow)}.bigtotal .lbl{font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:700;font-family:var(--font-display)}.bigtotal .amt{font-family:var(--font-display);font-weight:700;font-size:1.55rem;color:var(--ink);margin-top:4px}.bigtotal .sub{font-size:.8rem;color:var(--muted);margin-top:2px}