:root{color-scheme:light;--ink:#103747;--ocean:#087895;--muted:#54717c;--line:#dce9ed;--wash:#eef8fa}*{box-sizing:border-box}body{margin:0;background:#fff;color:var(--ink);font:16px/1.75 -apple-system,BlinkMacSystemFont,"Apple SD Gothic Neo",sans-serif;word-break:keep-all}header,main,footer{max-width:1140px;margin:auto}header{display:flex;align-items:center;justify-content:space-between;padding:24px 30px;gap:20px}.brand{display:flex;align-items:center;gap:12px;font-size:23px;font-weight:750;text-decoration:none;letter-spacing:-.8px}.brand img{border-radius:9px}a{color:var(--ocean);text-underline-offset:5px}nav,footer div{display:flex;gap:24px}nav a{text-decoration:none;font-size:14px}a:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #39a4be;outline-offset:5px}.draft{background:var(--wash);text-align:center;padding:9px 16px;font-size:12px;color:var(--muted);border-block:1px solid var(--line)}main{padding:54px 30px 64px}h1{font-size:clamp(38px,5.6vw,68px);letter-spacing:-2.7px;line-height:1.18;margin:20px 0 26px}h2{font-size:23px;line-height:1.4;letter-spacing:-.7px}p{margin:12px 0 20px}.lead{font-size:21px;color:var(--muted)}.eyebrow,.number{color:var(--ocean);font-size:11px;font-weight:750;letter-spacing:2px}.hero{position:relative;overflow:hidden;padding:10px 0 44px}.wave{position:absolute;right:-200px;bottom:20px;width:680px;opacity:.12;pointer-events:none;fill:none;stroke:var(--ocean);stroke-width:2}.actions{display:flex;align-items:center;gap:28px;margin-top:30px}.button{display:inline-block;background:var(--ocean);color:#fff;padding:12px 23px;border-radius:12px;text-decoration:none;font-weight:600;white-space:nowrap}.text-link{text-decoration:none}.subtle{color:var(--muted);font-size:13px}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:34px 0 40px}.cards article{border:1px solid var(--line);border-radius:20px;padding:26px 25px}.cards article p{color:var(--muted);font-size:15px;margin-bottom:0}.callout{display:flex;align-items:center;justify-content:space-between;gap:28px;border-radius:22px;background:var(--wash);padding:30px;margin:32px 0}.callout h2{margin-top:0}.callout p{margin-bottom:0;color:var(--muted)}footer{border-top:1px solid var(--line);padding:26px 30px 40px;display:flex;justify-content:space-between;gap:20px;font-size:12px;color:var(--muted)}footer a{text-decoration:none}.calculator{padding:28px;background:var(--wash);border-radius:20px;margin:32px 0}.inputs{display:flex;gap:24px}.inputs label{display:flex;flex:1;flex-direction:column;gap:8px;font-size:14px}input,select{font:inherit;padding:12px;border:1px solid #bad5dd;border-radius:10px;background:white;color:var(--ink);width:100%}.result{font-size:25px;font-weight:700;color:var(--ocean);margin-bottom:8px}.table-wrap{overflow-x:auto}table{border-collapse:collapse;width:100%;text-align:left}td,th{padding:17px;border-bottom:1px solid var(--line)}th{font-size:13px;color:var(--muted)}.legal{max-width:800px;margin:auto}.legal h1{font-size:36px}.legal p{white-space:normal;overflow-wrap:anywhere;word-break:normal;margin-bottom:24px}.faq{margin:55px 0}.faq details{border-bottom:1px solid var(--line);padding:20px 0}.faq summary{cursor:pointer;font-size:18px;font-weight:600}.faq p{color:var(--muted)}@media(max-width:700px){header{padding:18px 20px;flex-wrap:wrap}nav{gap:16px}main{padding:30px 20px 44px}.cards{grid-template-columns:1fr}.lead{font-size:18px}.callout,footer{align-items:flex-start;flex-direction:column}.inputs{flex-direction:column}.wave{right:-400px}.actions{gap:18px}footer{padding-inline:20px}h1{letter-spacing:-1.5px}.button{font-size:14px}}