:root{--navy:#0a2422;--navy2:#102d2a;--green:#b7f36b;--mint:#dfffc0;--cream:#f5f1e8;--paper:#fffdf8;--ink:#162b29;--muted:#71817e;--line:#d9ded7;--orange:#ff765f;--shadow:0 24px 70px rgba(10,36,34,.13)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--cream);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:inherit;text-underline-offset:3px}
button,input,select{font:inherit}
.icon{width:1.2em;height:1.2em;flex:none}
.shell{width:min(1160px,calc(100% - 44px));margin:auto}
.narrow{width:min(850px,calc(100% - 44px))}
.skip-link{position:fixed;z-index:99;top:0;left:10px;padding:10px;color:var(--navy);background:var(--green);clip-path:inset(100%)}
.skip-link:focus{top:10px;clip-path:none}
.site-header{position:relative;z-index:2;color:white;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.12)}
.header-inner{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.brand{display:flex;align-items:center;gap:10px;color:white;text-decoration:none}
.brand-icon{width:41px;height:41px;display:grid;place-items:center;color:var(--navy);background:var(--green);border-radius:8px}
.brand-icon .icon{width:25px;height:25px}
.brand>span:last-child{display:grid;line-height:1.04}
.brand strong{font-size:13px}
.brand b{color:var(--green);font-size:9px;letter-spacing:.18em;text-transform:uppercase}
.site-header nav{display:flex;gap:30px}
.site-header nav a{color:#9ab0ac;font-size:12px;font-weight:780;text-decoration:none}
.site-header nav a:hover,.site-header nav a[aria-current=page]{color:var(--green)}
.head-link{display:flex;align-items:center;gap:8px;color:var(--green);font-size:12px;font-weight:850}
.hero{overflow:hidden;color:white;background:radial-gradient(circle at 92% 13%,rgba(183,243,107,.09) 0 155px,transparent 157px),linear-gradient(115deg,var(--navy) 0 68%,#123633 68%)}
.hero-grid{min-height:620px;display:grid;grid-template-columns:1fr .9fr;align-items:center;gap:90px;padding-block:66px 74px}
.eyebrow,.chapter{margin:0 0 14px;color:var(--green);font-size:9px;font-weight:900;letter-spacing:.17em;text-transform:uppercase}
.eyebrow.green,.chapter{color:#45796e}
h1,h2,h3,p{margin-top:0}
.hero h1,.subhero h1,.not-found h1{margin-bottom:25px;font:500 clamp(55px,6.7vw,86px)/.94 Georgia,serif;letter-spacing:-.055em}
.hero h1 em,.subhero h1 em{color:var(--green);font-style:italic}
.hero-copy>p:not(.eyebrow){max-width:590px;margin-bottom:29px;color:#b6cac6;font-size:18px}
.button{display:inline-flex;min-height:51px;align-items:center;gap:9px;padding:12px 22px;color:var(--navy);background:var(--green);box-shadow:8px 8px 0 var(--orange);text-decoration:none;font-size:13px;font-weight:900}
.hero-statement{position:relative;padding:28px;color:var(--ink);background:var(--paper);box-shadow:14px 14px 0 var(--orange);transform:rotate(-1deg)}
.statement-head{display:flex;justify-content:space-between;padding-bottom:13px;border-bottom:2px solid var(--navy);font-size:8px;font-weight:900;letter-spacing:.12em}
.statement-head b{color:#eb5d4b}
.statement-main{display:grid;padding:27px 0 19px}
.statement-main small{color:var(--muted);font-size:8px}
.statement-main strong{font:500 40px Georgia,serif}
.hero-statement dl{margin:0}
.hero-statement dl>div{display:flex;justify-content:space-between;padding:9px 0;border-top:1px solid var(--line);font-size:10px}
.hero-statement dd{margin:0;font-weight:800}
.statement-net{display:flex;justify-content:space-between;align-items:end;margin-top:15px;padding:19px;background:#e8f8d6}
.statement-net span{font-size:7px;font-weight:900}
.statement-net strong{font:500 25px Georgia,serif}
.rate-seal{position:absolute;right:-32px;bottom:-40px;width:91px;height:91px;display:grid;place-content:center;color:var(--navy);background:var(--green);border-radius:50%;font:700 17px/1 Georgia,serif;text-align:center;transform:rotate(8deg)}
.rate-seal small{display:block;margin-top:5px;font:7px sans-serif}
.rule-row{min-height:87px;display:grid;grid-template-columns:repeat(3,1fr);align-items:center;gap:25px;border-top:1px solid rgba(255,255,255,.13)}
.rule-row span{color:#829e99;font-size:9px}
.rule-row b{color:white}
.calculator-wrap{padding:105px 0 115px}
.section-heading{display:grid;grid-template-columns:1.15fr .85fr;align-items:end;gap:70px;margin-bottom:43px}
.section-heading h2{margin:0;font:500 clamp(42px,5vw,63px)/1 Georgia,serif;letter-spacing:-.05em}
.section-heading>p{max-width:460px;margin:0;color:var(--muted);font-size:14px}
.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.input-panel,.result-panel{padding:31px;background:var(--paper);border:1px solid var(--line);box-shadow:var(--shadow)}
.panel-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:26px}
.panel-head span{color:#4b7b72;font-size:8px;font-weight:900;letter-spacing:.14em}
.panel-head b{font-size:17px}
.field-pair{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.field{display:grid;gap:7px;margin-bottom:18px}
.field>span{color:var(--muted);font-size:9px;font-weight:780}
.field>small{color:#9aa5a2;font-size:7px}
.field select,.money-input{width:100%;min-height:53px;color:var(--ink);background:#eef2ed;border:1px solid var(--line);border-radius:4px;outline:0}
.field select{padding:0 12px;font-size:11px;font-weight:750}
.money-input{display:flex;align-items:center;padding:0 12px}
.money-input input{min-width:0;width:100%;border:0;outline:0;color:var(--ink);background:transparent;font-size:17px;font-weight:800}
.money-input b{color:#3c6d63;font-size:10px}
.field select:focus,.money-input:focus-within{border-color:#3d7166;box-shadow:0 0 0 3px rgba(61,113,102,.12)}
.form-error{min-height:18px;margin:2px 0;color:#b23d30;font-size:9px;font-weight:800}
.local-note{display:flex;gap:7px;margin:13px 0 0;color:var(--muted);font-size:8px}
.result-panel{color:white;background:var(--navy2);border-color:var(--navy2)}
.panel-head.dark span{color:var(--green)}
.net-result{display:grid;padding-bottom:18px}
.net-result span{color:#8da8a3;font-size:8px}
.net-result strong{margin:3px 0;color:var(--green);font:500 47px Georgia,serif}
.net-result small{color:#89a09c}
.bar{height:9px;display:flex;margin:4px 0 20px;overflow:hidden;background:#284844;border-radius:10px}
.bar i{display:block;background:var(--green)}
.bar b{display:block;background:var(--orange)}
.tax-list{margin:0}
.tax-list>div{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-top:1px solid rgba(255,255,255,.12)}
.tax-list dt{display:grid;grid-template-columns:auto 1fr;align-items:center;gap:0 9px;font-size:10px}
.tax-list dt i{grid-row:1/3;width:28px;height:28px;display:grid;place-items:center;color:var(--navy);background:var(--green);border-radius:7px;font-style:normal;font-weight:900}
.tax-list dt small{color:#7d9792;font-size:7px}
.tax-list dd{margin:0;font-weight:850}
.tax-total{display:flex;justify-content:space-between;margin-top:13px;padding:14px;color:var(--navy);background:var(--green);font-size:11px}
.basis-panel{margin-top:20px;padding:31px;background:var(--paper);border:1px solid var(--line)}
.basis-panel header{display:flex;justify-content:space-between;align-items:end}
.basis-panel header h2{margin:0;font:500 32px Georgia,serif}
.basis-panel header>strong{color:var(--orange);font:500 31px Georgia,serif}
.basis-flow{display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;align-items:stretch;gap:8px;margin:31px 0 22px}
.basis-flow article{display:grid;padding:15px;background:#eff2ed}
.basis-flow article.accent{color:white;background:var(--navy2)}
.basis-flow small{color:var(--muted);font-size:7px}
.basis-flow .accent small{color:#91aba6}
.basis-flow b{font:600 18px Georgia,serif}
.basis-flow>i{align-self:center;color:#6f8581;font-style:normal}
.basis-panel>p{margin:0;color:var(--muted);font-size:9px}
.insight{padding:105px 0 115px;color:white;background:var(--navy)}
.section-heading.inverse h2{color:white}
.section-heading.inverse>a{display:flex;align-items:center;gap:8px;color:var(--green);font-size:12px;font-weight:850}
.insight-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.insight-grid article{min-height:235px;padding:27px;background:#11312e;border:1px solid #28504a}
.insight-grid article>span{color:var(--green);font-size:9px}
.insight-grid h3{margin:65px 0 9px;font:500 24px Georgia,serif}
.insight-grid p{color:#8da8a3;font-size:10px}
.subhero{padding:100px 0 95px;color:white;background:var(--navy)}
.subhero.compact{padding-block:72px}
.subhero>div>p:last-child{color:#a6bdb9;font-size:18px}
.prose{max-width:870px;padding-block:85px 115px}
.prose section{margin-bottom:70px}
.prose h2,.legal h2{margin-bottom:17px;font:500 40px/1.08 Georgia,serif;letter-spacing:-.04em}
.prose p,.prose li,.legal p{color:var(--muted);font-size:17px;line-height:1.75}
.formula{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:12px;margin:25px 0;padding:22px;color:white;background:var(--navy2);text-align:center}
.formula i{color:#8da8a3}
.formula strong{color:var(--green)}
.sources{padding:29px;background:#e7efe3}
.sources li{font-size:13px}
.sources a,.legal a{color:#376d62;font-weight:750}
.faq-list{max-width:900px;padding-block:75px 110px}
.faq-list details{border-top:1px solid var(--line);background:var(--paper)}
.faq-list summary{position:relative;padding:24px 52px 24px 6px;cursor:pointer;list-style:none;font:500 23px Georgia,serif}
.faq-list summary:after{position:absolute;right:15px;color:#427c70;content:"+"}
.faq-list details[open] summary:after{content:"−"}
.faq-list details>div{max-width:760px;padding:0 52px 25px 6px;color:var(--muted)}
.legal{max-width:800px;padding-block:80px 110px}
.legal section{margin-bottom:44px}
.legal h2{font-size:29px}
.legal p{font-size:16px}
.not-found{min-height:620px;display:grid;place-items:center;padding:80px 0;color:white;background:var(--navy);text-align:center}
.not-found span{color:var(--green);font-size:9px}
.not-found h1{margin-top:16px}
.site-footer{color:#91a39f;background:#051513}
.footer-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr;gap:70px;padding-block:65px 50px}
.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:8px}
.footer-grid p{margin:10px 0 0;color:#506b66;font-size:11px}
.footer-grid>div>b{color:var(--green);font-size:9px}
.footer-grid a:not(.brand){font-size:11px;text-decoration:none}
.footer-bottom{display:flex;justify-content:space-between;padding-block:18px;color:#4e625e;border-top:1px solid #18302d;font-size:9px}
@media(max-width:720px){
 .shell,.narrow{width:min(100% - 30px,1160px)}
 .header-inner{min-height:68px}.site-header nav{display:none}.head-link{font-size:0}
 .hero-grid{min-height:auto;grid-template-columns:1fr;gap:48px;padding-block:55px 70px}
 .hero h1,.subhero h1{font-size:49px}.hero-copy>p:not(.eyebrow){font-size:16px}
 .hero-statement{padding:22px;box-shadow:8px 8px 0 var(--orange)}.rate-seal{right:-4px}
 .rule-row{grid-template-columns:1fr;gap:9px;padding-block:20px}
 .calculator-wrap{padding-block:72px 82px}.section-heading{grid-template-columns:1fr;gap:17px}.section-heading h2{font-size:43px}
 .calculator-grid{grid-template-columns:1fr}.input-panel,.result-panel,.basis-panel{padding:23px}.field-pair{grid-template-columns:1fr}
 .basis-panel header{align-items:flex-start;flex-direction:column}.basis-flow{grid-template-columns:1fr}.basis-flow>i{text-align:center}
 .insight{padding-block:75px 82px}.insight-grid{grid-template-columns:1fr}
 .subhero{padding-block:70px}.prose{padding-block:65px 90px}.prose h2{font-size:34px}.formula{grid-template-columns:1fr}
 .faq-list{padding-block:55px 80px}.footer-grid{grid-template-columns:1fr 1fr;gap:38px 25px}.footer-grid>div:first-child{grid-column:1/-1}
}
@media(max-width:420px){.hero h1,.subhero h1{font-size:43px}.statement-net{align-items:flex-start;flex-direction:column;gap:5px}.net-result strong{font-size:39px}.footer-bottom{flex-direction:column;gap:5px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}