:root{--paper: #f3efe4;--paper-2: #ebe4d4;--ink: #1a1712;--ink-soft: #4a4338;--line: #d4cbb8;--card: #fffcf6;--accent: #b4451d;--accent-dark: #8c3214;--forest: #25543a;--forest-soft: #dce8e0;--warn: #8a5a12;--radius: 14px;--shadow: none;--max: 1120px;--sans: "Source Sans 3", "Segoe UI", sans-serif;--serif: "Fraunces", "Times New Roman", serif}*,*:before,*:after{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:18px;line-height:1.55;min-height:100vh}img{max-width:100%}a{color:var(--accent-dark);text-underline-offset:3px}a:hover{color:var(--accent)}.wrap{width:min(var(--max),calc(100% - 32px));margin-inline:auto}.site-header{border-bottom:1px solid var(--line);background:var(--paper);position:sticky;top:0;z-index:20}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}.logo{display:flex;align-items:baseline;gap:10px;color:inherit;text-decoration:none;font-family:var(--serif);font-weight:600;font-size:1.45rem;letter-spacing:-.03em}.logo span{font-family:var(--sans);font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft)}nav ul{display:flex;gap:8px;list-style:none;margin:0;padding:0}nav a{color:var(--ink);text-decoration:none;padding:8px 12px;border-radius:999px;font-weight:600;font-size:.95rem}nav a:hover,nav a[aria-current=page]{background:var(--paper-2)}.menu-toggle{display:none;border:1px solid var(--line);background:var(--card);color:inherit;padding:8px 12px;border-radius:8px;font:inherit;font-weight:600}.hero{padding:56px 0 28px}.kicker{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--accent);margin-bottom:12px}h1,h2,h3{font-family:var(--serif);letter-spacing:-.03em;line-height:1.15;font-weight:600;margin:0 0 12px}h1{font-size:clamp(2.2rem,5vw,3.6rem);max-width:16ch}h2{font-size:clamp(1.5rem,3vw,2rem)}.lede{font-size:1.15rem;color:var(--ink-soft);max-width:42rem;margin:0 0 28px}.grid{display:grid;gap:16px}.tools-grid{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px}.tool-card{display:flex;flex-direction:column;gap:10px;color:inherit;text-decoration:none;min-height:180px}.tool-card:hover{border-color:var(--ink)}.tag{align-self:flex-start;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--forest);background:var(--forest-soft);padding:4px 8px;border-radius:999px}.tool-card h2,.tool-card h3{font-size:1.35rem;margin:0}.tool-card p{margin:0;color:var(--ink-soft);flex:1}.section{padding:28px 0 48px}.calc-layout{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:24px;align-items:start}.calc-panel label{display:block;font-weight:650;font-size:.92rem;margin:14px 0 6px}.calc-panel input[type=number],.calc-panel input[type=text],.calc-panel select{width:100%;font:inherit;padding:12px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:inherit}.calc-panel input:focus,.calc-panel select:focus{outline:2px solid var(--ink);outline-offset:1px}.row-2{display:grid;grid-template-columns:1fr 1fr;gap:12px}.check{display:flex;align-items:center;gap:10px;margin-top:14px;font-weight:500}.check input{width:18px;height:18px}.seg{display:flex;flex-wrap:wrap;gap:8px}.seg button,.btn{font:inherit;font-weight:650;border:1px solid var(--line);background:var(--card);color:inherit;padding:10px 14px;border-radius:999px;cursor:pointer}.seg button[aria-pressed=true],.btn-primary{background:var(--ink);color:var(--paper);border-color:var(--ink)}.result{background:var(--ink);color:var(--paper);border-radius:var(--radius);padding:22px}.result .big{font-family:var(--serif);font-size:clamp(2rem,4vw,2.8rem);letter-spacing:-.04em}.result dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:18px 0 0}.result dt{color:#c9c1b3}.result dd{margin:0;text-align:right;font-weight:650}.prose{max-width:42rem}.prose p,.prose ul,.prose ol{color:var(--ink-soft)}.prose h2,.prose h3{margin-top:1.6em}table{width:100%;border-collapse:collapse;font-size:.95rem;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line)}th{background:var(--paper-2);font-size:.8rem;letter-spacing:.04em;text-transform:uppercase}.note,.disclaimer{font-size:.92rem;color:var(--ink-soft);border-left:3px solid var(--accent);padding:4px 0 4px 14px;margin:20px 0}.faq details{border-top:1px solid var(--line);padding:12px 0}.faq summary{cursor:pointer;font-weight:700}.site-footer{border-top:1px solid var(--line);padding:32px 0 48px;color:var(--ink-soft);font-size:.95rem}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:24px}.footer-grid a{color:inherit}.muted{color:var(--ink-soft)}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius)}.table-wrap table{border:0;margin:0}.ltv-warn{margin-top:12px;color:#e8c9a8;font-size:.92rem}.cta-card{margin:28px 0}.cta-card h2{font-size:1.35rem}.prose .btn-primary{display:inline-block;text-decoration:none;margin-top:4px}@media(max-width:800px){.menu-toggle{display:inline-flex}nav{display:none}nav.open{display:block;position:absolute;left:16px;right:16px;top:62px;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:8px}nav.open ul{flex-direction:column}.calc-layout,.row-2,.footer-grid{grid-template-columns:1fr}h1{max-width:none}}