:root{--forest:#0F3B2E;--forestL:#E8F2EE;--emerald:#4CC87A;--emeraldL:#D6F5E3;--pastel:#B5FAA5;--pastelL:#EDFDE8;--gold:#D4A853;--goldL:#FBF5E6;--goldBorder:#D4A85366;--amber:#B45309;--amberL:#FFFBEB;--slate:#3B4252;--slateL:#EEF1F5;--slateBorder:#D9DEE5;--text:#1C1E1B;--text2:#55524C;--text3:#9C9890;--line:#E4E8E2;--white:#fff;--red:#b23b3b;--fHead:"Playfair Display",Georgia,serif;--fBody:"Geist","Inter",system-ui,sans-serif;--fMono:"DM Mono",monospace;--shCard:0 2px 4px rgba(15,59,46,.03),0 6px 16px rgba(15,59,46,.08),0 1px 2px rgba(15,59,46,.04);--shLg:0 4px 8px rgba(15,59,46,.04),0 8px 24px rgba(15,59,46,.1),0 2px 4px rgba(15,59,46,.05);--focus:0 0 0 4px rgba(76,200,122,.2);--gradHeader:linear-gradient(135deg,#0F3B2E 0%,#1A5C44 100%);--gradGold:linear-gradient(135deg,#D4A853 0%,#E8C06A 100%);--gradSurface:linear-gradient(160deg,#FFFFFF 0%,#FAFDF9 100%)}*{box-sizing:border-box;margin:0;padding:0}html{-webkit-text-size-adjust:100%}body{font-family:var(--fBody);color:var(--text);background:var(--gradSurface);line-height:1.5;font-weight:400;font-feature-settings:"ss01";-webkit-font-smoothing:antialiased}.wrap{max-width:720px;margin:0 auto;padding:0 16px}.eyebrow{font-family:var(--fMono);font-size:11px;letter-spacing:1.4px;text-transform:uppercase;font-weight:500}.hero{background:var(--gradHeader);color:#fff;padding:0 0 38px;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;right:-80px;top:-80px;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,rgba(212,168,83,.14),transparent 70%)}.topbar{display:flex;align-items:center;justify-content:space-between;padding:16px 0 10px}.logo{height:30px;width:auto;display:block}.topbar .site{font-family:var(--fMono);font-size:11px;letter-spacing:.8px;color:#cde3d8;opacity:.85}.hero-in{position:relative;z-index:1;padding-top:14px}.hero .eyebrow{color:var(--gold);margin-bottom:14px}.hero h1{font-family:var(--fHead);font-weight:700;font-size:32px;line-height:1.12;letter-spacing:-.4px;max-width:14ch}.hero h1 em{font-style:italic;color:var(--pastel)}.hero p.sub{font-size:16px;color:#d7e7df;margin-top:16px;max-width:42ch;font-weight:400}.hero .trust{display:flex;align-items:center;gap:8px;margin-top:20px;font-family:var(--fMono);font-size:11px;letter-spacing:.4px;color:#afcfbf}.hero .trust b{color:var(--pastel);font-weight:500}.calc{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shLg);padding:22px 18px;margin-top:-24px;position:relative;z-index:2}.calc .eyebrow{color:var(--gold);padding-bottom:8px;border-bottom:1px solid var(--line);margin-bottom:16px;display:flex;align-items:center;gap:8px}.calc .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--emerald)}.field{margin-bottom:14px}.field label{display:block;font-family:var(--fMono);font-size:11px;letter-spacing:.3px;color:var(--text2);text-transform:uppercase;margin-bottom:6px;font-weight:500}.field label .req{color:var(--gold)}.field input,.field select{width:100%;font-family:var(--fBody);font-size:16px;color:var(--text);padding:12px 13px;border:1px solid var(--line);border-radius:10px;background:#fff;appearance:none;font-weight:500}.field input::placeholder{color:var(--text3);font-weight:400}.field input:focus,.field select:focus{outline:none;border-color:var(--emerald);box-shadow:var(--focus)}.field .hint{font-size:11px;color:var(--text3);margin-top:5px;font-family:var(--fMono)}.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}.selectwrap{position:relative}.selectwrap:after{content:"▾";position:absolute;right:13px;top:50%;transform:translateY(-45%);color:var(--text3);pointer-events:none;font-size:12px}.btn-calc{width:100%;margin-top:4px;background:var(--forest);color:#fff;border:none;border-radius:10px;padding:15px;font-family:var(--fBody);font-size:15px;font-weight:600;letter-spacing:.2px;cursor:pointer;box-shadow:var(--shCard)}.assume{margin:2px 0 16px;padding:15px;background:var(--forestL);border-radius:12px}.assume-h{font-family:var(--fMono);font-size:11px;letter-spacing:.6px;text-transform:uppercase;color:var(--forest);font-weight:500;margin-bottom:12px}.assume-h span{color:var(--text3);text-transform:none;letter-spacing:.2px}.assume .field{margin-bottom:12px}.assume .field:last-child{margin-bottom:0}.toggle-row{display:flex;align-items:center;justify-content:space-between}.toggle-row label{margin:0}.switch{width:44px;height:26px;border-radius:14px;background:#c9cfc8;position:relative;flex:none;cursor:pointer;border:none;padding:0}.switch.on{background:var(--emerald)}.switch .knob{position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;box-shadow:0 1px 2px #0003;transition:left .15s}.switch.on .knob{left:21px}.result{margin-top:18px;border-top:1px dashed var(--line);padding-top:18px}.result-head{font-family:var(--fMono);font-size:11px;letter-spacing:1px;text-transform:uppercase;color:var(--text3);margin-bottom:12px}.metric-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:12px}.metric{background:var(--pastelL);border:1px solid var(--emeraldL);border-radius:12px;padding:14px}.metric .k{font-family:var(--fMono);font-size:10px;letter-spacing:.4px;text-transform:uppercase;color:var(--text2)}.metric .v{font-family:var(--fHead);font-weight:700;font-size:26px;color:var(--forest);margin-top:4px;line-height:1}.metric .v small{font-size:13px;font-family:var(--fBody);color:var(--text2);font-weight:500}.metric .band{font-family:var(--fMono);font-size:9.5px;color:var(--text3);margin-top:5px;letter-spacing:.2px}.metric.band-green{background:var(--pastelL);border-color:var(--emeraldL)}.metric.band-green .v{color:var(--forest)}.metric.band-amber{background:var(--amberL);border-color:#f2e3c2}.metric.band-amber .v{color:var(--amber)}.metric.band-slate{background:var(--slateL);border-color:var(--slateBorder)}.metric.band-slate .v{color:var(--slate)}.metric.band-neutral{background:#fafbfa;border-color:var(--line)}.metric.band-neutral .v{color:var(--text3)}.locked{position:relative;margin-top:4px;border-radius:14px;overflow:hidden;border:1px solid var(--line)}.locked .blurred{filter:blur(6px);padding:16px;background:#fff;pointer-events:none;user-select:none;transition:filter .2s}.locked.is-unlocked .blurred{filter:none;pointer-events:auto;user-select:auto}.locked .blurred .ln{display:flex;justify-content:space-between;padding:9px 2px;font-size:14px;border-bottom:1px solid var(--line);gap:12px}.locked .blurred .ln:last-child{border-bottom:none}.locked .blurred .ln span:last-child{font-weight:600;font-variant-numeric:tabular-nums;white-space:nowrap}.locked .blurred .ln.note span:first-child{font-style:italic;color:var(--text2)}.locked .blurred .ln em{font-style:italic;color:var(--text3);font-size:12px}.gate{position:absolute;inset:0;background:linear-gradient(180deg,#ffffff8c,#fffffff2 42%);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:20px}.gate .lock{width:40px;height:40px;border-radius:12px;background:var(--goldL);border:1px solid var(--goldBorder);display:flex;align-items:center;justify-content:center;margin-bottom:12px;color:var(--gold);font-size:18px}.gate h3{font-family:var(--fHead);font-weight:700;font-size:19px;color:var(--forest);max-width:22ch}.gate p{font-size:13px;color:var(--text2);margin-top:6px;max-width:30ch}.gate form{display:flex;flex-direction:column;gap:9px;width:100%;max-width:320px;margin-top:14px}.gate input{font-family:var(--fBody);font-size:16px;padding:13px;border:1px solid var(--line);border-radius:10px;text-align:center;font-weight:500}.gate input:focus{outline:none;border-color:var(--emerald);box-shadow:var(--focus)}.btn-gold{background:var(--gradGold);color:var(--forest);border:none;border-radius:10px;padding:14px;font-family:var(--fBody);font-size:15px;font-weight:600;letter-spacing:.2px;cursor:pointer;box-shadow:var(--shCard)}.btn-gold:disabled{opacity:.6;cursor:default}.gate .fine{font-size:10.5px;color:var(--text3);margin-top:4px;font-family:var(--fMono);letter-spacing:.2px}.gate .err{font-size:12px;color:var(--red);margin-top:2px;font-family:var(--fBody)}.gate .optq{font-family:var(--fMono);font-size:10px;letter-spacing:.5px;text-transform:uppercase;color:var(--text3);margin-top:6px;margin-bottom:-2px}.gate .optq span{text-transform:none;letter-spacing:.2px}.gate select{font-family:var(--fBody);font-size:16px;padding:13px;border:1px solid var(--line);border-radius:10px;width:100%;appearance:none;background:#fff;color:var(--text);text-align:left;font-weight:500}.gate select:focus{outline:none;border-color:var(--emerald);box-shadow:var(--focus)}.gate .selectwrap{width:100%}.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}.how{margin-top:30px}.how .eyebrow{color:var(--text3);text-align:center;margin-bottom:16px}.steps{display:grid;grid-template-columns:1fr;gap:12px}.step{display:flex;gap:13px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 15px;box-shadow:var(--shCard)}.step .n{flex:none;width:30px;height:30px;border-radius:50%;background:var(--forestL);color:var(--forest);font-family:var(--fMono);font-weight:500;font-size:13px;display:flex;align-items:center;justify-content:center}.step .t b{font-family:var(--fBody);font-weight:600;font-size:14px;display:block;color:var(--text)}.step .t span{font-size:13px;color:var(--text2)}.cta{margin-top:34px;background:var(--gradHeader);border-radius:18px;padding:30px 22px;text-align:center;color:#fff;position:relative;overflow:hidden;box-shadow:var(--shLg)}.cta:after{content:"";position:absolute;left:-60px;bottom:-80px;width:240px;height:240px;border-radius:50%;background:radial-gradient(circle,rgba(181,250,165,.12),transparent 70%)}.cta .eyebrow{color:var(--gold);margin-bottom:12px}.cta h2{font-family:var(--fHead);font-weight:700;font-size:25px;line-height:1.18;max-width:20ch;margin:0 auto;position:relative;z-index:1}.cta p{font-size:14px;color:#cfe3d9;margin:12px auto 0;max-width:38ch;position:relative;z-index:1}.cta .btn-gold{display:inline-block;margin-top:20px;text-decoration:none;position:relative;z-index:1;padding:15px 26px}footer{margin-top:28px;padding:22px 0 34px;text-align:center;border-top:1px solid var(--line)}footer img{height:22px;opacity:.85;margin-bottom:8px}footer .f{font-family:var(--fMono);font-size:10.5px;color:var(--text3);letter-spacing:.3px;line-height:1.7}footer .f a{color:var(--text2);text-decoration:none}@media (min-width:720px){.hero h1{font-size:46px}.hero p.sub{font-size:18px}.calc{padding:30px 32px}.steps{grid-template-columns:repeat(3,1fr)}.cta h2{font-size:32px}.cta{padding:44px}}