:root{--bg:#fbfaf7;--ink:#17202a;--muted:#55606c;--line:#e4e0d6;--card:#fff;--brand:#1f4fd8;--brand-d:#173bb0;--accent:#f2efe6;--warn:#fff7e0;--warn-b:#e8c75a}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;-webkit-font-smoothing:antialiased}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
a{color:var(--brand)}
h1,h2,h3{line-height:1.2;letter-spacing:-.01em;margin:0 0 .6em}
h1{font-size:clamp(2rem,5vw,3.1rem)}
h2{font-size:clamp(1.5rem,3.4vw,2.1rem);margin-top:0}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.disclosure{background:var(--warn);border-bottom:1px solid var(--warn-b);font-size:.9rem;padding:10px 0}
.disclosure p{margin:0}
header.site{background:#fff;border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:14px;padding-bottom:14px}
.logo{font-weight:800;font-size:1.1rem;color:var(--ink);text-decoration:none}
nav a{margin-left:18px;text-decoration:none;color:var(--muted);font-size:.95rem}
nav a:hover{color:var(--ink)}
.hero{padding:56px 0 48px;background:linear-gradient(180deg,#fff,var(--bg))}
.hero p.lead{font-size:1.2rem;color:var(--muted);max-width:640px}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);margin-bottom:12px}
.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;font-weight:700;padding:14px 24px;border-radius:10px;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--brand-d)}
.btn.ghost{background:transparent;color:var(--brand);border:2px solid var(--brand)}
.cta-note{font-size:.85rem;color:var(--muted);margin-top:10px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:22px}
section{padding:52px 0;border-top:1px solid var(--line)}
section.alt{background:var(--accent)}
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px}
.card h3{margin-bottom:.4em}
ul.clean{margin:0;padding-left:1.2em}
ul.clean li{margin-bottom:.5em}
.yes li::marker{color:#188038}.no li::marker{color:#c5221f}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;font-size:.95rem}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--accent);font-size:.85rem;text-transform:uppercase;letter-spacing:.04em}
tr:last-child td{border-bottom:0}
.table-wrap{overflow-x:auto}
.calc{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:16px}
.calc label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px}
.calc input,.calc select{width:100%;padding:11px 12px;border:1px solid #c9c4b6;border-radius:8px;font-size:1rem;background:#fff}
.result{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px}
.result strong{font-size:1.3rem}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}
summary{cursor:pointer;font-weight:600}
details p{margin:.7em 0 0;color:var(--muted)}
.fine{font-size:.85rem;color:var(--muted)}
.stamp{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:4px 12px;font-size:.8rem;color:var(--muted)}
footer{background:#111820;color:#c8d0d8;padding:40px 0;font-size:.92rem}
footer a{color:#fff}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
footer h4{color:#fff;margin:0 0 .6em}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:.4em}
.skip{position:absolute;left:-999px}
.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
@media(max-width:760px){
 body{font-size:16.5px}
 .g2,.g3,.calc,footer .cols{grid-template-columns:1fr}
 nav{display:none}
 .hero{padding:36px 0 32px}
 section{padding:40px 0}
 .btn{width:100%;text-align:center}
}

.sticky-cta{display:none}
ol.clean{padding-left:1.4em;margin:0 0 1em}
ol.clean li{margin-bottom:.5em}
@media(max-width:760px){
 .sticky-cta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:20;align-items:center;gap:10px;background:#fff;border-top:1px solid var(--line);padding:10px 14px;box-shadow:0 -4px 14px rgba(0,0,0,.08)}
 .sticky-cta .btn{flex:1;padding:12px 14px}
 .sticky-cta .fine{white-space:nowrap}
 body.has-sticky{padding-bottom:76px}
}

.video{position:relative;aspect-ratio:16/9;background:#0e1319;border-radius:12px;overflow:hidden;border:1px solid var(--line)}
.video iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.vcard p{margin:.5em 0 0;font-size:.92rem}
.vmain{max-width:760px;margin:0 auto}