:root{--bg:#F7F1E6;--card:#fff;--ink:#1E2A3A;--muted:#5F6B7A;--line:#E3D9C6;--soft:#EFE6D4;--copper:#C9742E;--navy:#1E2A3A;--teal:#1F8A8A;--gold:#D9A441;--accent:#C9742E;--max:1180px;--r:14px;--font:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;--mono:ui-monospace,SFMono-Regular,Menlo,monospace}
*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font);line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:var(--ink);text-decoration-color:var(--line);text-underline-offset:3px}a:hover{text-decoration-color:var(--accent)}
h1,h2,h3{line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em}h1{font-size:clamp(1.9rem,4.6vw,3rem);font-weight:800}h2{font-size:clamp(1.3rem,2.6vw,1.85rem);font-weight:800;margin-top:1.6em}h3{font-size:1.1rem;font-weight:800}
p{margin:.6em 0}.lead{font-size:1.12rem;color:var(--muted)}.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.hdr{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20}.hdr .wrap{display:flex;align-items:center;gap:18px;min-height:64px}.hdr a{color:#fff}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.15rem;text-decoration:none;white-space:nowrap}.logo small{display:block;font-weight:500;font-size:.72rem;color:#C7CFDA}
.nav{display:flex;gap:4px;margin-left:auto;overflow-x:auto;scrollbar-width:none}.nav::-webkit-scrollbar{display:none}.nav a{padding:8px 10px;border-radius:8px;text-decoration:none;font-weight:600;font-size:.95rem;white-space:nowrap}.nav a:hover{background:rgba(255,255,255,.1)}
.cta{background:var(--copper);color:#fff!important;padding:9px 14px;border-radius:999px;font-weight:700;text-decoration:none;white-space:nowrap}
.hero{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start;padding:40px 0 24px}
.kicker{display:inline-block;font-size:.72rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--copper);background:#fff;border:1px solid var(--line);padding:4px 10px;border-radius:999px;margin-bottom:14px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:22px}.stat{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:14px 16px}.stat b{display:block;font-size:1.5rem;font-weight:800;letter-spacing:-.02em;font-variant-numeric:tabular-nums}.stat span{font-size:.85rem;color:var(--muted)}
.byline{color:var(--muted);font-size:.9rem;margin-top:10px}
.main{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:32px;padding:10px 0 50px}.main>*{min-width:0}.hero>*{min-width:0}.side{position:sticky;top:84px;align-self:start;display:grid;gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 22px;overflow-wrap:anywhere}.card.tint{background:var(--soft)}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 24px;border-top:4px solid var(--copper);overflow-wrap:anywhere}.panel .k{font-size:.72rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--copper)}.panel .sub{color:var(--muted);font-size:.88rem;margin-bottom:10px}.panel li{margin:.45em 0}
.toc a{display:block;padding:7px 0;border-bottom:1px solid var(--line);text-decoration:none;font-size:.92rem}.toc a:hover{color:var(--accent)}
.tbl{overflow-x:auto;margin:14px 0}table{border-collapse:collapse;width:100%;font-size:.95rem;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}th,td{padding:9px 12px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--soft);font-weight:700;font-size:.82rem;text-transform:uppercase;letter-spacing:.06em}td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}tr:last-child td{border-bottom:0}
/* cost flow illustration */
.flow{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px}.flow svg{width:100%;height:auto;display:block}.flow .cap{font-size:.85rem;color:var(--muted);text-align:center;margin-top:6px}
/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 22px;border-top:6px solid var(--navy)}.calc h3{margin-top:0}.calc label{display:block;font-size:.85rem;font-weight:700;margin:12px 0 4px}.calc input,.calc select{font:inherit;width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:10px;background:#fff}.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.result{background:var(--soft);border-radius:12px;padding:16px 18px;margin-top:14px}.result b.big{font-size:1.8rem;display:block;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.bars{display:grid;gap:6px;margin-top:10px}.bars .b{display:grid;grid-template-columns:150px 1fr 90px;gap:8px;align-items:center;font-size:.9rem}.bars .b i{display:block;height:12px;border-radius:999px}.bars .b span:last-child{text-align:right;font-variant-numeric:tabular-nums}
.how{border-left:4px solid var(--line);padding:8px 16px;color:var(--muted);font-size:.92rem;margin:18px 0}.note{background:#fff8e6;border:1px solid #f1dfae;border-radius:10px;padding:10px 14px;font-size:.92rem}
.gcard{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;height:100%}.gcard:hover{border-color:var(--accent)}.gcard b{display:block;margin-bottom:6px}.gcard span{color:var(--muted);font-size:.9rem}
.grid{display:grid;gap:16px}.g2{grid-template-columns:1fr 1fr}.g3{grid-template-columns:repeat(3,1fr)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 16px;margin:8px 0}.faq summary{font-weight:700;cursor:pointer}
.crumbs{font-size:.85rem;color:var(--muted);margin:16px 0 6px}.crumbs a{color:var(--muted)}
.ftr{background:var(--navy);color:#C7CFDA;margin-top:40px;padding:36px 0 28px}.ftr a{color:#fff;text-decoration:none}.ftr a:hover{text-decoration:underline}.ftr .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:28px}.ftr h4{color:#fff;margin:0 0 10px;font-size:.85rem;letter-spacing:.1em;text-transform:uppercase}.ftr ul{padding:0;margin:0;list-style:none}.ftr li{margin:6px 0}.ftr .fine{border-top:1px solid rgba(255,255,255,.15);margin-top:26px;padding-top:16px;font-size:.82rem;color:#9AA6B5}
.search{display:flex;gap:8px;margin-top:18px;position:relative}.search input{flex:1;font:inherit;font-size:1.05rem;padding:13px 16px;border:2px solid var(--ink);border-radius:12px;background:#fff}.search button{font:inherit;font-weight:700;background:var(--ink);color:#fff;border:0;border-radius:12px;padding:0 18px;cursor:pointer}
.sugg{position:absolute;top:100%;left:0;right:0;background:#fff;border:1px solid var(--line);border-radius:12px;margin-top:6px;list-style:none;padding:6px;max-height:280px;overflow:auto;z-index:10;box-shadow:0 12px 30px rgba(30,42,58,.12)}.sugg li a{display:block;padding:8px 10px;border-radius:8px;text-decoration:none}.sugg li a:hover,.sugg li.on a{background:var(--soft)}
.rankbar{display:grid;grid-template-columns:1fr auto;gap:10px;align-items:center;margin:6px 0;font-size:.92rem}.rankbar i{display:block;height:10px;border-radius:999px;background:var(--teal)}
.chip{display:inline-block;padding:2px 9px;border-radius:999px;font-size:.78rem;font-weight:700;color:#fff;background:var(--teal)}.chip.up{background:var(--copper)}
@media(max-width:900px){.hero{grid-template-columns:1fr;gap:20px;padding-top:22px}.main{grid-template-columns:1fr}.side{position:static}.g3{grid-template-columns:1fr 1fr}.ftr .cols{grid-template-columns:1fr 1fr}.bars .b{grid-template-columns:110px 1fr 80px}}
@media(max-width:600px){.g2,.g3{grid-template-columns:1fr}.stats{grid-template-columns:1fr}.ftr .cols{grid-template-columns:1fr}.row{grid-template-columns:1fr}.logo small{display:none}}