:root{--bg: #f7f9fc;--surface: #ffffff;--border: #e3e8ef;--text: #1a2233;--muted: #5b6676;--brand: #0b8f5a;--brand-dark: #086c44;--brand-tint: #e7f6ee;--accent: #0d6efd;--shadow: 0 1px 2px rgba(16, 24, 40, .04), 0 4px 16px rgba(16, 24, 40, .06);--radius: 14px;--maxw: 1080px;font-synthesis:none}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font-family:ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased}a{color:var(--brand-dark);text-decoration:none}a:hover{text-decoration:underline}.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}.site-header{background:var(--surface);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20}.site-header .container{display:flex;align-items:center;justify-content:space-between;height:64px}.logo{font-weight:800;font-size:1.25rem;color:var(--text);display:flex;align-items:center;gap:8px}.logo:hover{text-decoration:none}.logo .spark{color:var(--brand)}.nav a{color:var(--muted);font-weight:600;margin-left:22px}.nav a:hover{color:var(--text);text-decoration:none}.hero{padding:56px 0 28px;text-align:center}.hero h1{font-size:clamp(1.9rem,4vw,2.8rem);line-height:1.15;margin:0 0 12px;letter-spacing:-.02em}.hero p{font-size:1.15rem;color:var(--muted);max-width:640px;margin:0 auto}.crumbs{font-size:.85rem;color:var(--muted);padding:18px 0 0}.crumbs a{color:var(--muted)}.page-head{padding:10px 0 6px}.page-head h1{font-size:clamp(1.6rem,3.5vw,2.2rem);margin:6px 0 10px;letter-spacing:-.01em}.page-head .intro{color:var(--muted);font-size:1.05rem;max-width:720px}.badge{display:inline-block;background:var(--brand-tint);color:var(--brand-dark);font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;padding:4px 10px;border-radius:999px}.calc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:28px 0}@media(max-width:760px){.calc-wrap{grid-template-columns:1fr}}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px}.card h2{font-size:1.05rem;margin:0 0 16px}.field{margin-bottom:16px}.field label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px}.input-row{display:flex;align-items:stretch;border:1px solid var(--border);border-radius:10px;overflow:hidden;background:#fff}.input-row:focus-within{border-color:var(--brand);box-shadow:0 0 0 3px var(--brand-tint)}.input-row .affix{display:flex;align-items:center;padding:0 12px;background:#f1f4f9;color:var(--muted);font-size:.9rem;font-weight:600;white-space:nowrap}.input-row input{border:0;outline:0;padding:11px 12px;font-size:1rem;width:100%;background:transparent;color:var(--text)}.field .help{font-size:.8rem;color:var(--muted);margin-top:5px}.results .row{display:flex;justify-content:space-between;align-items:baseline;padding:12px 0;border-bottom:1px dashed var(--border);gap:12px}.results .row:last-child{border-bottom:0}.results .row .label{color:var(--muted);font-size:.95rem}.results .row .value{font-weight:700;font-variant-numeric:tabular-nums;font-size:1.05rem}.results .row.headline{background:var(--brand-tint);margin:4px -22px 6px;padding:16px 22px;border-bottom:0;border-radius:10px}.results .row.headline .label{color:var(--brand-dark);font-weight:600}.results .row.headline .value{color:var(--brand-dark);font-size:1.8rem}.result-note{font-size:.8rem;color:var(--muted);margin:2px 0 0}.prose{max-width:760px;margin:8px 0}.prose h2{font-size:1.35rem;margin:32px 0 10px;letter-spacing:-.01em}.prose h3{font-size:1.05rem;margin:20px 0 4px}.prose p{color:#29313f}.faq-item{border-top:1px solid var(--border);padding:14px 0}.faq-item:first-of-type{border-top:0}.faq-item .q{font-weight:700;margin:0 0 4px}.faq-item .a{color:var(--muted);margin:0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:26px 0}@media(max-width:860px){.grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:540px){.grid{grid-template-columns:1fr}}.tile{display:block;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:18px 18px 20px;box-shadow:var(--shadow);transition:transform .12s ease,box-shadow .12s ease}.tile:hover{transform:translateY(-2px);text-decoration:none;box-shadow:0 6px 22px #1018281a}.tile .badge{margin-bottom:10px}.tile h3{margin:0 0 6px;font-size:1.08rem;color:var(--text)}.tile p{margin:0;color:var(--muted);font-size:.92rem}.section-title{font-size:1.4rem;margin:34px 0 4px;letter-spacing:-.01em}.ad-slot{margin:26px auto;min-height:90px;display:flex;align-items:center;justify-content:center;border:1px dashed var(--border);border-radius:10px;color:#aab2c0;font-size:.8rem;background:repeating-linear-gradient(45deg,#fbfcfe,#fbfcfe 12px,#f5f7fb 12px 24px)}.site-footer{border-top:1px solid var(--border);background:var(--surface);margin-top:48px;padding:30px 0;color:var(--muted);font-size:.9rem}.site-footer .container{display:flex;flex-wrap:wrap;gap:14px 26px;justify-content:space-between;align-items:center}.site-footer a{color:var(--muted)}.disclaimer{font-size:.8rem;color:var(--muted);margin-top:18px;padding:14px;background:#fff;border:1px solid var(--border);border-radius:10px}.recs{margin-top:8px}.rec-disclosure{font-size:.78rem;color:var(--muted);margin:2px 0 0}.rec-tile{display:flex;flex-direction:column}.rec-tile .rec-cta{margin-top:10px;font-weight:700;color:var(--brand-dark)}