:root{--navy:#1f3a5f;--ink:#1d2733;--mint:#7fd6b0;--green:#1f7a5a;--bg:#f7f9f8;--card:#fff;--line:#dfe6e3;--muted:#55636f}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block;border-radius:10px}
a{color:#17608f}a:hover{color:var(--navy)}a:focus-visible,.btn:focus-visible,summary:focus-visible{outline:3px solid #f0a020;outline-offset:2px}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}.narrow{max-width:780px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.site-header{background:var(--navy);color:#fff}.hdr{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}
.logo{color:#fff;text-decoration:none;font-weight:800;font-size:1.25rem;display:flex;align-items:center;gap:8px}
.mark{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:8px;background:var(--mint);color:var(--navy);font-weight:900}
nav a{color:#e8f1ee;text-decoration:none;margin-left:16px;font-weight:600}nav a[aria-current]{color:var(--mint);text-decoration:underline}
h1{font-size:clamp(1.8rem,4vw,2.6rem);line-height:1.2;color:var(--navy);margin:.6em 0 .3em}
h2,.h3{color:var(--navy);line-height:1.3}h2{font-size:1.5rem;margin-top:1.8em}h3,.h3{font-size:1.15rem}
.lede{font-size:1.15rem;color:var(--muted)}.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:700;color:var(--green);margin:0}
.meta,.fine,.crumbs{font-size:.88rem;color:var(--muted)}.crumbs{margin-top:18px}
.hero{background:linear-gradient(135deg,#e9f6f0,#f7f9f8);border-bottom:1px solid var(--line)}
.hero-in{display:grid;grid-template-columns:1.1fr 1fr;gap:36px;align-items:center;padding-top:36px;padding-bottom:40px}
.btn{display:inline-block;background:var(--green);color:#fff;text-decoration:none;font-weight:700;padding:12px 18px;border-radius:10px;margin:4px 6px 4px 0}
.btn:hover{background:#17614a;color:#fff}.btn.ghost{background:#fff;color:var(--navy);border:2px solid var(--navy)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid3.one{grid-template-columns:minmax(0,420px)}
.pcard,.acard,.steps>div{background:var(--card);border:1px solid var(--line);border-radius:14px;overflow:hidden}
.acard,.steps>div{padding:18px}.acard h3{margin:.3em 0}.acard h3 a{text-decoration:none;color:var(--navy)}.acard p:last-child{color:var(--muted);font-size:.95rem}
.pcard img{border-radius:0}.pc-body{padding:16px}.pc-body h2,.pc-body h3{margin:.2em 0;font-size:1.15rem}
.row{display:flex;align-items:center;flex-wrap:wrap;gap:10px}.price{font-weight:800;color:var(--green);font-size:1.1rem}
.num{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--mint);color:var(--navy);font-weight:800}
.post h2{scroll-margin-top:10px}.post li{margin:.3em 0}
.tbl{overflow-x:auto;margin:1em 0}table{border-collapse:collapse;width:100%;background:#fff;font-size:.95rem}
th,td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}th{background:#eaf3ef;color:var(--navy)}
code{background:#eef2f1;padding:1px 5px;border-radius:4px;font-size:.9em}
.note{background:#fff8e6;border-left:4px solid #f0a020;padding:12px 16px;border-radius:8px;margin:1em 0}
.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px 16px;margin:1em 0}.toc summary{font-weight:700;cursor:pointer}
.lite{display:grid;grid-template-columns:200px 1fr;gap:20px;align-items:center;background:#e9f6f0;border:2px dashed var(--green);border-radius:14px;padding:18px;margin:2em 0}
.lite h2{margin-top:0}.cta{display:grid;grid-template-columns:220px 1fr;gap:20px;align-items:center;background:var(--navy);color:#eaf2f7;border-radius:14px;padding:20px;margin:2em 0}
.cta .h3{color:#fff;margin:.2em 0}.cta .price{color:var(--mint)}.cta .eyebrow{color:var(--mint)}
details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 14px;margin:8px 0}summary{font-weight:700;cursor:pointer}
.disc{font-size:.88rem;color:var(--muted);border-top:1px solid var(--line);padding-top:12px;margin-top:2em}
.related{margin:2em 0 3em}.related .grid3{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.site-footer{background:#14263f;color:#c9d6e2;margin-top:3em;padding:30px 0 16px}.site-footer a{color:#cfe9dd}
.ftr{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}.ftr ul{list-style:none;padding:0;margin:0}.logo.small{font-size:1.05rem}.site-footer .fine{color:#9fb0c0}
@media(max-width:820px){.hero-in,.grid3,.ftr{grid-template-columns:1fr}.lite,.cta{grid-template-columns:1fr}body{font-size:16px}}
.crumbs,.crumbs a{color:#3a4250}.crumbs a{text-decoration:underline}
.calc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;margin:1.5em 0}.calc label{display:block;font-weight:600;margin:.5em 0}.calc input,.calc select{display:block;width:100%;max-width:320px;font:inherit;padding:9px 10px;border:1px solid #8a96a3;border-radius:8px;margin-top:4px;box-sizing:border-box}
.calc fieldset{border:1px solid var(--line);border-radius:10px;margin:10px 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:4px 14px}.calc legend{font-weight:700;color:var(--navy)}
.calc button{font:inherit}.calc button.btn{border:0;cursor:pointer}.link{background:none;border:0;color:#17608f;text-decoration:underline;cursor:pointer;align-self:end;padding:8px 0}
#result{margin:1em 0}.big{font-size:1.4rem;font-weight:800;color:var(--green);margin:.2em 0}.warn{background:#fdecea;border-left:4px solid #c0392b;padding:10px 14px;border-radius:8px}
.res2{display:grid;grid-template-columns:1fr 1fr;gap:20px}@media(max-width:820px){.res2{grid-template-columns:1fr}}
/* neatness fixes */
nav[aria-label="Main"]{display:flex;flex-wrap:wrap;gap:6px 16px}nav[aria-label="Main"] a{margin:0;white-space:nowrap}
.crumbs a{margin:0}
.calc button.btn.ghost{border:2px solid var(--navy);background:#fff;color:var(--navy)}.calc button.btn.ghost:hover{background:#eef3f8}
.calc fieldset.debt{grid-template-columns:repeat(auto-fit,minmax(130px,1fr));padding:8px 12px 10px}
.calc fieldset.debt label{display:flex;flex-direction:column;justify-content:flex-end;margin:.4em 0}
.calc fieldset.debt .rm{grid-column:1/-1;justify-self:end;padding:2px 0}
@media(max-width:820px){.hdr{padding-top:10px;padding-bottom:10px}nav[aria-label="Main"]{gap:6px 14px}.calc{padding:14px}}
.app-callout{display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center;background:linear-gradient(135deg,#1f3a5f,#1f7a5a);color:#eaf2f7;border-radius:14px;padding:20px 22px;margin:2em 0}.app-callout h2{color:#fff;margin:.2em 0}.app-callout .eyebrow{color:var(--mint)}.app-callout img{border-radius:22px}
@media (max-width:560px){.app-callout{grid-template-columns:1fr}.app-callout img{display:none}}