:root{--bg:#f4f6f8;--surface:#fff;--surface-alt:#0f172a;--text:#0f172a;--muted:#526071;--line:#dce2ea;--brand:#0b5d4e;--brand-dark:#073f35;--brand-soft:#eaf5f2;--accent:#d97706;--pmi:#dc2626;--radius:14px}*{box-sizing:border-box;margin:0;padding:0}html{-webkit-text-size-adjust:100%}body{background:var(--bg);color:var(--text);font-family:ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;line-height:1.6;font-size:16px}a{color:var(--brand);text-decoration:none;font-weight:500}a:hover{text-decoration:underline}.wrap{max-width:1080px;margin:0 auto;padding:0 20px}.site-header{background:#0c121b;border-bottom:1px solid #1e293b;position:-webkit-sticky;position:sticky;top:0;z-index:40}.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:64px}.logo{font-weight:800;font-size:1.2rem;color:#f8fafc;letter-spacing:-.4px;display:inline-flex;align-items:center;gap:4px}.logo:hover{text-decoration:none}.logo span{color:#34d399}.site-nav{display:flex;gap:22px;font-size:.92rem}.site-nav a{color:#cbd5e1;font-weight:600;transition:color .15s ease}.site-nav a:hover{color:#34d399;text-decoration:none}main.wrap{padding-top:32px;padding-bottom:56px}.hero-badge{display:inline-flex;align-items:center;gap:8px;background:#e6f4f1;color:var(--brand);border:1px solid #b8dfd6;font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.6px;padding:5px 12px;border-radius:999px;margin-bottom:12px}h1{font-size:clamp(1.75rem,4vw,2.45rem);line-height:1.18;letter-spacing:-.6px;margin-bottom:12px}h1,h2{color:#0b111e;font-weight:800}h2{font-size:1.4rem;margin:40px 0 12px;letter-spacing:-.3px}h3{font-size:1.05rem;margin:18px 0 6px;font-weight:700}p{margin:0 0 12px}.lead{font-size:1.08rem;color:var(--muted);max-width:760px}.breadcrumbs{font-size:.85rem;color:var(--muted);margin-bottom:14px}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 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var(--line);margin-bottom:4px}.calc-inputs{display:grid;grid-gap:14px;gap:14px}.calc-row-2{display:grid;grid-template-columns:1fr 1fr;grid-gap:12px;gap:12px}.calc-inputs label{display:grid;grid-gap:5px;gap:5px;font-size:.85rem;font-weight:700;color:#334155}.calc-inputs input,.calc-inputs select{font:inherit;font-size:1rem;font-weight:600;color:var(--text);padding:10px 12px;border:1px solid #cbd5e1;border-radius:10px;background:#f8fafc;width:100%;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;transition:border-color .15s ease,background .15s ease}.calc-inputs input:focus,.calc-inputs select:focus{outline:2px solid var(--brand);outline-offset:1px;background:#fff;border-color:var(--brand)}.calc-result{background:#0c131d;color:#f8fafc;border:1px solid #1e293b;border-radius:14px;padding:22px}.calc-result-head{display:flex;align-items:center;justify-content:space-between;gap:8px;flex-wrap:wrap}.eyebrow{font-size:.76rem;text-transform:uppercase;letter-spacing:.6px;color:#34d399;font-weight:800}.rate-pill{font-size:.75rem;font-weight:700;padding:3px 9px;border-radius:999px;background:rgba(52,211,153,.14);color:#6ee7b7;border:1px solid rgba(52,211,153,.3);font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.big{display:block;font-size:2.35rem;color:#fff;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;margin:6px 0 14px;font-weight:800;letter-spacing:-.8px}.big span{font-size:1rem;font-weight:600;color:#94a3b8;margin-left:4px}.piti-bar{display:flex;height:10px;border-radius:999px;overflow:hidden;background:#1e293b;margin-bottom:16px;gap:2px}.piti-seg{height:100%;transition:width .25s 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var(--line);border-radius:var(--radius);background:var(--surface);box-shadow:0 2px 10px rgba(15,23,42,.03)}table{width:100%;border-collapse:collapse;font-size:.92rem;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}td,th{padding:10px 14px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}td:first-child,th:first-child{text-align:left}thead th{background:#f1f5f9;font-size:.78rem;text-transform:uppercase;letter-spacing:.4px;color:#475569;font-weight:800}tr.highlight td{background:var(--brand-soft);font-weight:700;color:var(--brand-dark)}.links{display:grid;grid-template-columns:repeat(auto-fill,minmax(175px,1fr));grid-gap:10px;gap:10px;margin:14px 0}.links a{display:flex;align-items:center;justify-content:space-between;background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:11px 14px;font-size:.92rem;font-weight:600;color:#0f172a;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;transition:border-color .15s ease,transform .15s ease,box-shadow .15s ease}.links a:hover{border-color:var(--brand);text-decoration:none;transform:translateY(-1px);box-shadow:0 4px 12px rgba(11,93,78,.08)}.faq details{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}.faq summary{cursor:pointer;font-weight:700;color:#0f172a}.faq details p{margin-top:8px;color:var(--muted)}.note{font-size:.85rem;color:var(--muted)}.ad-slot{margin:24px auto;width:100%;overflow:hidden;contain:layout}.ad-banner{min-height:100px}.ad-rectangle{min-height:280px}.partner-cta-banner{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;background:var(--brand-soft);border:1px solid #bce0d7;border-radius:12px;padding:12px 16px;margin-bottom:12px}.partner-badge{font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.5px;color:var(--brand);background:#fff;border:1px solid #bce0d7;padding:3px 8px;border-radius:999px}.partner-cta-banner a{font-weight:700;color:var(--brand-dark)}.site-footer{border-top:1px solid var(--line);background:var(--surface);padding:28px 0;font-size:.85rem;color:var(--muted)}.site-footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px}.site-footer nav{display:flex;gap:16px}@media (max-width:760px){.calc,.calc-row-2{grid-template-columns:1fr}.site-nav{gap:14px;font-size:.85rem}.big{font-size:1.95rem}}