:root{--ink:#17231f;--muted:#62716b;--paper:#fbfcf8;--card:#fff;--line:#dce5df;--green:#12684f;--green2:#e2f4eb;--gold:#eaa83e;--red:#b4473d;--shadow:0 18px 45px rgba(29,55,45,.09);--radius:20px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.55 Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif}a{color:inherit}button,input,select{font:inherit}.wrap{width:min(1120px,calc(100% - 32px));margin:auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(251,252,248,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.nav{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{text-decoration:none;font-weight:900;letter-spacing:-.04em;font-size:1.25rem}.brand span{color:var(--green)}.nav-links{display:flex;gap:19px;align-items:center}.nav-links a{text-decoration:none;color:var(--muted);font-size:.92rem}.nav-links a:hover{color:var(--green)}.hero{padding:54px 0 26px}.eyebrow{display:inline-flex;align-items:center;gap:8px;border:1px solid #b9d9cb;background:var(--green2);color:var(--green);border-radius:999px;padding:6px 11px;font-weight:750;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em}h1,h2,h3{line-height:1.08;letter-spacing:-.045em;margin-top:0}h1{font-size:clamp(2.35rem,6vw,4.8rem);max-width:900px;margin:18px 0 16px}h2{font-size:clamp(1.75rem,3.5vw,3rem)}h3{font-size:1.2rem}.lead{font-size:clamp(1.05rem,2vw,1.25rem);color:var(--muted);max-width:760px}.tool-shell{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.82fr);gap:22px;align-items:start;margin:24px auto 48px}.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}.panel-title{display:flex;justify-content:space-between;gap:16px;align-items:start;margin-bottom:20px}.panel-title p{color:var(--muted);margin:4px 0 0}.year-pill{white-space:nowrap;background:#f0f3ef;border-radius:999px;padding:6px 10px;font-weight:700;font-size:.8rem}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}.field label{font-weight:750;font-size:.88rem}.field small{color:var(--muted)}input,select{width:100%;border:1px solid #cad6cf;background:#fff;border-radius:12px;padding:12px 13px;color:var(--ink)}input:focus,select:focus{outline:3px solid rgba(18,104,79,.14);border-color:var(--green)}.check{display:flex;gap:10px;align-items:flex-start;color:var(--muted);font-size:.9rem}.check input{width:auto;margin-top:4px}.primary{border:0;border-radius:12px;padding:13px 18px;background:var(--green);color:white;font-weight:850;cursor:pointer}.primary:hover{filter:brightness(.92)}.result{position:sticky;top:94px;background:linear-gradient(155deg,#123c31,#0c211b);color:white;overflow:hidden}.result:after{content:"";position:absolute;width:230px;height:230px;border-radius:50%;background:rgba(255,255,255,.05);right:-90px;top:-80px}.result-label{color:#b8d7ca;font-size:.8rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em}.result-total{font-size:clamp(2.2rem,5vw,3.8rem);font-weight:900;letter-spacing:-.06em;margin:8px 0 22px}.breakdown{display:grid;gap:10px;position:relative;z-index:1}.row{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.12)}.row strong{text-align:right}.note{font-size:.8rem;color:#bdd0c8;margin-top:18px}.bar{display:flex;height:12px;border-radius:999px;overflow:hidden;background:#dfe7e2;margin-top:18px}.bar span:nth-child(1){background:#5fd19c}.bar span:nth-child(2){background:var(--gold)}.bar span:nth-child(3){background:#ef7d72}.ad{display:grid;place-items:center;min-height:112px;border:1px dashed #aeb9b3;background:#f2f3f0;color:#818b86;font-size:.74rem;font-weight:900;letter-spacing:.18em;margin:32px auto}.section{padding:72px 0}.section.alt{background:#f1f6f2}.section-head{max-width:680px;margin-bottom:28px}.section-head p{color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.calc-card{background:white;border:1px solid var(--line);border-radius:18px;padding:22px;text-decoration:none;transition:.18s}.calc-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#aacdbd}.calc-card .icon{font-size:1.5rem}.calc-card p{color:var(--muted);margin-bottom:0}.steps{counter-reset:steps}.step{position:relative;padding-left:58px}.step:before{counter-increment:steps;content:counter(steps);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:12px;background:var(--green);color:white;display:grid;place-items:center;font-weight:900}.faq{display:grid;gap:12px}.faq details{border:1px solid var(--line);background:white;border-radius:14px;padding:16px 18px}.faq summary{font-weight:800;cursor:pointer}.faq p{color:var(--muted)}footer{border-top:1px solid var(--line);padding:34px 0;color:var(--muted)}.footer-grid{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}.legal{max-width:780px}.legal h1{font-size:clamp(2rem,5vw,3.4rem)}.legal h2{font-size:1.5rem;margin-top:36px}.source-list a{color:var(--green)}.mini-badge{font-size:.78rem;background:#fff7e5;color:#7b540b;border:1px solid #efd490;padding:7px 10px;border-radius:10px}.mobile-menu{display:none}.home-hero{padding-bottom:60px}.home-hero h1 em{font-style:normal;color:var(--green)}.home-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:35px;align-items:center}.stat-card{background:#123c31;color:white;border-radius:28px;padding:28px;box-shadow:var(--shadow)}.stat-card .number{font-size:3.8rem;font-weight:950;letter-spacing:-.07em}.stat-card p{color:#c4ddd3}.inline-cta{display:inline-block;background:var(--green);color:white;text-decoration:none;border-radius:12px;padding:13px 17px;font-weight:850}.error{display:none;color:#8b2d26;background:#fce9e6;border:1px solid #efb8b1;padding:10px 12px;border-radius:10px;margin-top:14px;font-size:.88rem}.error.show{display:block}@media(max-width:800px){.nav-links{display:none}.mobile-menu{display:block;color:var(--muted);font-size:.85rem}.tool-shell,.home-grid{grid-template-columns:1fr}.result{position:relative;top:auto}.cards{grid-template-columns:1fr 1fr}.hero{padding-top:38px}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}}@media(max-width:520px){.wrap{width:min(100% - 22px,1120px)}.panel{padding:18px}.cards{grid-template-columns:1fr}.section{padding:52px 0}h1{font-size:2.35rem}.nav{min-height:62px}}