:root{--navy:#12305a;--gold:#c9922e;--ink:#182334;--muted:#667085;--line:#dbe2ea;--bg:#f4f7fa;--card:#fff}*{box-sizing:border-box}body,html{margin:0}body{background:var(--bg);color:var(--ink);font:16px/1.6 -apple-system,BlinkMacSystemFont,Segoe UI,sans-serif}a{color:var(--navy)}footer,header,main{max-width:920px;margin:auto}header{padding:20px;display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid var(--line)}header nav{display:flex;gap:18px}.brand{font-size:1.2rem;font-weight:850;text-decoration:none;color:var(--navy)}main{padding:0 20px 60px}.hero{padding:48px 0 20px}.hero h1{font-size:clamp(2rem,6vw,3.5rem);line-height:1.08;max-width:760px;margin:.2rem 0 1rem;color:var(--navy);letter-spacing:-.035em}.hero>p:last-child{max-width:720px;font-size:1.1rem;color:#40516a}.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.14em;color:var(--gold)}.calc{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 18px 45px rgba(18,48,90,.08)}.tabs{display:flex;gap:8px;margin-bottom:20px}.tabs button{border:1px solid var(--line);border-radius:99px;padding:10px 16px;background:#fff;cursor:pointer}.tabs button.on{background:var(--navy);color:#fff;border-color:var(--navy)}.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));grid-gap:16px;gap:16px}.field{display:flex;flex-direction:column;gap:5px}.field>b{font-size:.9rem}.field small,.note{color:var(--muted);font-size:.76rem}.field select,.num input{width:100%;border:1px solid var(--line);border-radius:10px;background:#fbfcfe;padding:11px;font:inherit}.num{position:relative;display:flex}.num input{padding-right:54px}.num i{position:absolute;right:12px;top:12px;color:var(--muted);font-style:normal}.result{border-top:1px solid var(--line);margin-top:24px;padding-top:22px;display:grid;grid-template-columns:1fr 1fr;grid-gap:24px;gap:24px}.result small{display:block;color:var(--muted)}.result strong{display:block;font-size:2rem;color:var(--navy)}.result em{font-size:.45em;font-style:normal}.breakdown p{display:flex;justify-content:space-between;border-bottom:1px dashed var(--line);padding:6px 0;margin:0;font-size:.9rem}.warn{background:#fff8e8;color:#704b00;border:1px solid #f0d69a;padding:10px 12px;border-radius:9px}.content{margin-top:42px}.content h2{color:var(--navy);margin-top:2rem}.state-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));grid-gap:10px;gap:10px}.state-grid>a{background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px;text-decoration:none;font-weight:700}.state-grid small{display:block;color:var(--muted);font-weight:400}.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin:8px 0;padding:8px 14px}.faq summary{font-weight:700;cursor:pointer}.link-row{display:flex;flex-wrap:wrap;gap:8px}.link-row a{background:#fff;border:1px solid var(--line);border-radius:99px;padding:5px 10px;text-decoration:none;font-size:.85rem}.prose{max-width:760px}.links li{margin:8px 0}footer{border-top:1px solid var(--line);padding:24px 20px 40px;color:var(--muted);font-size:.85rem}@media(max-width:600px){header{align-items:flex-start}.result{grid-template-columns:1fr}.tabs{flex-direction:column}.hero{padding-top:30px}}.lead{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;margin-top:24px}.lead h2{margin-top:0;color:var(--navy)}.lead>p{color:#40516a}.kit-embed{margin-top:14px}