:root{
  --bg:#fff7ec; --paper:#fffdf8; --ink:#2b1e17; --muted:#735f50; --soft:#f2e2cf;
  --line:#dec8b2; --orange:#f26b2f; --orange-dark:#c84f1d; --blue:#244ed8;
  --mint:#ddf2e8; --yellow:#ffe7a6; --shadow:0 18px 55px rgba(80,50,25,.12);
  --radius:22px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;line-height:1.55}
a{color:inherit;text-decoration:none}button,input,select{font:inherit}.container{width:min(1120px,calc(100% - 32px));margin-inline:auto}
.topbar{position:sticky;top:0;z-index:30;background:rgba(255,247,236,.92);backdrop-filter:blur(12px);border-bottom:1px solid rgba(222,200,178,.75)}
.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{display:flex;align-items:center;gap:10px;font-weight:950;letter-spacing:-.04em;font-size:1.25rem}.brand-mark{width:34px;height:34px;border-radius:10px;background:var(--ink);color:#fff;display:grid;place-items:center;font-weight:950}
.navlinks{display:flex;align-items:center;gap:4px;flex-wrap:wrap}.navlinks a{padding:10px 12px;border-radius:999px;color:var(--muted);font-size:.94rem}.navlinks a:hover{background:#fff;color:var(--ink)}.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:14px;padding:10px 12px}
.hero{padding:52px 0 34px}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 12px;color:var(--muted);font-weight:800;font-size:.9rem}.dot{width:8px;height:8px;background:var(--orange);border-radius:50%}
.hero h1{font-size:clamp(2.35rem,6vw,5rem);line-height:.95;letter-spacing:-.075em;margin:20px 0 18px}.hero p{font-size:clamp(1.05rem,2vw,1.25rem);color:var(--muted);max-width:650px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.btn{border:0;background:var(--ink);color:#fff;border-radius:16px;padding:14px 18px;font-weight:950;cursor:pointer;box-shadow:0 10px 25px rgba(40,29,22,.16);display:inline-flex;align-items:center;justify-content:center}.btn:hover{transform:translateY(-1px)}.btn.alt{background:#fff;color:var(--ink);border:1px solid var(--line);box-shadow:none}.btn.orange{background:var(--orange)}.btn.block{width:100%}
.mini-note{font-size:.92rem;color:var(--muted);margin-top:12px}.phone-card{background:var(--paper);border:1px solid var(--line);border-radius:32px;padding:18px;box-shadow:var(--shadow);transform:rotate(1deg)}.paper-strip{background:#fff;border:1px solid var(--line);border-radius:22px;padding:18px;margin-bottom:12px}.strip-big{font-size:2.6rem;font-weight:950;letter-spacing:-.06em}.strip-label{color:var(--muted);font-weight:800}.stamp{display:inline-block;background:var(--yellow);border:1px solid #e4c979;border-radius:999px;padding:7px 11px;font-weight:950;font-size:.85rem;margin-top:8px}
.tool-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}.tool-card h2,.content h2{letter-spacing:-.04em;line-height:1.05;margin:0 0 8px;font-size:clamp(1.55rem,3vw,2.45rem)}.tool-card p,.content p{color:var(--muted)}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:18px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}.label{font-weight:950;font-size:.93rem}.input,.select{border:1px solid var(--line);background:#fff;border-radius:16px;padding:14px 14px;color:var(--ink);outline:none}.input:focus,.select:focus{border-color:var(--orange);box-shadow:0 0 0 4px rgba(242,106,46,.12)}.hint{font-size:.84rem;color:var(--muted)}
.results{display:none;margin-top:18px;border-top:1px solid var(--line);padding-top:18px}.results.show{display:block}.result-main{background:var(--ink);color:#fff;border-radius:22px;padding:22px}.result-main small{display:block;color:#d4c2ae;font-weight:800}.result-value{font-size:clamp(2rem,7vw,4.5rem);line-height:1;font-weight:950;letter-spacing:-.07em;margin-top:8px}
.breakdown{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin-top:12px}.pill-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:14px}.pill-card b{display:block;font-size:1.08rem}.pill-card span{font-size:.85rem;color:var(--muted);font-weight:800}
.section{padding:34px 0}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.info-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:20px}.info-card h3{margin:0 0 8px;letter-spacing:-.035em}.info-card p{margin:0;color:var(--muted)}
.content{padding:32px 0}.article{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(20px,4vw,34px);box-shadow:var(--shadow)}.article h1{font-size:clamp(2rem,5vw,4rem);line-height:.98;letter-spacing:-.065em;margin:0 0 14px}.article h2{margin-top:34px}.article h3{margin-top:24px;letter-spacing:-.02em}.article ul{padding-left:22px}.article li{margin:8px 0;color:var(--muted)}
.callout{border:1px solid #e8c37e;background:#fff4cf;border-radius:20px;padding:18px;margin:20px 0;color:#5e4219}.source-box{border:1px dashed var(--line);background:#fff;border-radius:18px;padding:15px;color:var(--muted);font-size:.92rem}.source-box a{text-decoration:underline}.quick-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:16px}.quick-link{background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px;font-weight:950}.quick-link span{display:block;color:var(--muted);font-weight:650;font-size:.9rem;margin-top:4px}
.footer{padding:36px 0 24px;border-top:1px solid var(--line);margin-top:30px;color:var(--muted)}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:20px}.footer a{text-decoration:underline}.tag-row{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}.tag{border:1px solid var(--line);background:#fff;border-radius:999px;padding:7px 10px;color:var(--muted);font-weight:800;font-size:.84rem}.mini-calc{margin:20px 0;padding:18px;background:#fff;border:1px solid var(--line);border-radius:22px}.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%);background:var(--ink);color:#fff;border-radius:999px;padding:12px 16px;font-weight:950;box-shadow:var(--shadow);display:none;z-index:50}.toast.show{display:block}.table{width:100%;border-collapse:collapse;margin:16px 0;background:#fff;border-radius:16px;overflow:hidden;border:1px solid var(--line)}.table th,.table td{padding:12px;border-bottom:1px solid var(--line);text-align:left}.table th{background:#fff3e6}.table tr:last-child td{border-bottom:0}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}.mobile-sticky{display:none}
@media(max-width:860px){.nav{height:auto;min-height:64px;padding:12px 0;align-items:flex-start}.menu-btn{display:inline-flex}.navlinks{display:none;position:absolute;left:16px;right:16px;top:64px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:10px;box-shadow:var(--shadow)}.navlinks.open{display:grid}.navlinks a{border-radius:12px}.hero-grid,.two-col,.footer-grid{grid-template-columns:1fr}.phone-card{transform:none}.form-grid,.cards,.breakdown,.quick-grid{grid-template-columns:1fr}.hero{padding-top:28px}.mobile-sticky{display:block;position:sticky;bottom:12px;z-index:20;margin:0 auto;width:min(520px,calc(100% - 20px))}.mobile-sticky a{display:block;text-align:center}.article{border-radius:18px}.container{width:min(100% - 22px,1120px)}}