:root{--navy:#102a43;--blue:#17658b;--blue2:#2f86b2;--sky:#eaf5fb;--gold:#d68117;--gold-bg:#fff4df;--ink:#17233a;--muted:#66768b;--line:#dce6ee;--paper:#fff;--bg:#f5f8fb;--green:#1d6b3a;--shadow:0 18px 50px rgba(16,42,67,.09)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;background:var(--bg);color:var(--ink);line-height:1.55}a{text-decoration:none;color:inherit}button,input,select{font:inherit}.container{width:min(1160px,92%);margin:auto}.narrow{width:min(900px,92%)}.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav-wrap{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:10px;color:var(--navy)}.brand-mark{width:38px;height:38px;border-radius:12px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:900;font-size:20px}.brand strong,.brand small{display:block}.brand strong{font-size:15px;line-height:1.05}.brand small{font-size:10px;color:var(--muted);margin-top:3px}.desktop-nav{display:flex;align-items:center;gap:5px}.desktop-nav a{padding:10px 12px;border-radius:10px;color:#4d6076;font-size:14px;font-weight:750}.desktop-nav a:hover,.desktop-nav a.active{background:var(--sky);color:var(--navy)}.menu-toggle{display:none;border:0;background:transparent;font-size:26px;color:var(--navy)}.mobile-menu{display:none;border-top:1px solid var(--line);padding:8px 4%;background:#fff}.mobile-menu a{display:block;padding:12px;border-radius:10px;font-weight:750}.mobile-menu a.active{background:var(--sky)}.hero{background:linear-gradient(135deg,#0e2942 0%,#155c7d 62%,#1d769b 100%);color:#fff;padding:70px 0 78px}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}.kicker{display:inline-flex;padding:7px 11px;border-radius:999px;background:#e1f2fb;color:var(--blue);font-size:12px;font-weight:900;letter-spacing:.04em}.hero .kicker{background:rgba(255,255,255,.14);color:#fff}.hero h1,.page-hero h1{font-size:clamp(38px,5.2vw,62px);line-height:1.02;letter-spacing:-.035em;margin:16px 0}.hero p{font-size:18px;max-width:700px;color:#e8f2f7}.hero-actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:24px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:11px 17px;border-radius:12px;border:1px solid var(--line);background:#fff;color:var(--navy);font-weight:850;cursor:pointer}.btn-primary{background:var(--navy);border-color:var(--navy);color:#fff}.hero .btn-primary{background:#fff;color:var(--navy);border-color:#fff}.btn-ghost{background:transparent;border-color:rgba(255,255,255,.3);color:#fff}.btn-wide{width:100%;margin-top:10px}.hero-points{display:flex;flex-wrap:wrap;gap:14px;margin-top:20px;color:#d9edf5;font-size:13px;font-weight:700}.hero-visual{background:#fff;border-radius:26px;padding:24px;color:var(--navy);box-shadow:0 30px 70px rgba(0,0,0,.22);border:1px solid rgba(255,255,255,.35)}.visual-top{display:flex;justify-content:space-between;gap:12px;align-items:center}.visual-top span{font-size:12px;color:var(--muted)}.visual-top strong{font-size:14px}.visual-chart{height:230px;display:flex;align-items:end;justify-content:center;gap:24px;padding:25px 10px 10px}.visual-chart>div{height:100%;width:25%;display:flex;flex-direction:column;justify-content:end;align-items:center;gap:8px}.visual-chart i{display:block;width:100%;max-width:70px;border-radius:12px 12px 5px 5px;background:linear-gradient(#78b9d5,#17658b)}.visual-chart i.gold{background:linear-gradient(#f1bd69,#d68117)}.visual-chart small{font-size:11px;color:var(--muted)}.visual-card{background:#f3f7fa;border-radius:16px;padding:15px}.visual-card span,.visual-card small{display:block;color:var(--muted);font-size:12px}.visual-card strong{display:block;font-size:22px;margin:4px 0}.section{padding:64px 0}.section-tight{padding-top:42px;padding-bottom:42px}.section-overlap{padding-top:0;margin-top:-34px;position:relative}.section-heading{margin-bottom:25px}.section-heading.inline{display:flex;align-items:center;justify-content:space-between;gap:20px}.section-heading h2,.two-col h2{margin:5px 0 8px;font-size:30px;line-height:1.15}.section-heading p,.two-col>div>p{margin:0;color:var(--muted)}.eyebrow{display:block;text-transform:uppercase;letter-spacing:.1em;font-size:11px;font-weight:900;color:var(--blue)}.tool-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.tool-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px;min-height:255px;box-shadow:0 8px 30px rgba(16,42,67,.05);transition:.2s}.tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#c5dbe7}.tool-card.primary-tool{background:linear-gradient(180deg,#f3fbff,#fff)}.tool-icon{width:44px;height:44px;border-radius:13px;background:var(--sky);display:grid;place-items:center;color:var(--blue);font-size:21px;font-weight:900}.tool-card h3{font-size:19px;margin:18px 0 8px}.tool-card p{color:var(--muted);font-size:14px;margin:0 0 18px}.tool-card strong{position:absolute;bottom:20px;color:var(--blue);font-size:13px}.tool-card strong b{font-size:17px}.news-card{
display:flex;
flex-direction:column;
min-height:255px
}

.news-card h3{
margin:18px 0 8px
}

.news-card p{
margin:0 0 12px
}

.news-card small{
display:block;
margin-top:18px;
color:var(--muted)
}

.news-card strong{
position:static;
display:block;
margin-top:14px
}

.news-card a{
position:static !important;
display:inline-block;
margin-top:14px;
}
    .tool-tag{position:absolute;top:18px;right:18px;font-size:10px;font-weight:900;text-transform:uppercase;color:#9a5c0a;background:var(--gold-bg);padding:5px 7px;border-radius:999px}.band{background:#edf6fa}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:center}.logic-card{display:grid;grid-template-columns:1fr auto 1fr;gap:12px;align-items:center;background:#fff;border:1px solid var(--line);padding:20px;border-radius:20px;box-shadow:var(--shadow)}.logic-card>div{padding:16px;border-radius:14px;background:#f3f6f9}.logic-card span{display:block;color:var(--muted);font-size:11px}.logic-card strong{display:block;font-size:23px;margin-top:3px}.logic-card .featured{background:var(--gold-bg)}.logic-arrow{background:transparent!important;color:var(--blue);font-weight:900;font-size:14px}.step-list{display:grid;gap:12px;margin-top:22px}.step-list>div{display:flex;gap:13px;align-items:flex-start;background:#fff;border:1px solid var(--line);padding:14px;border-radius:14px}.step-list b{flex:0 0 34px;height:34px;border-radius:10px;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:11px}.step-list strong{display:block}.step-list span{color:var(--muted);font-size:14px}.step-list.compact{margin-top:16px}.info-card,.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:25px;box-shadow:0 8px 30px rgba(16,42,67,.05)}.info-card h3{font-size:24px;margin:8px 0}.info-card p{color:var(--muted)}.text-link{font-weight:850;color:var(--blue)}.cta-card{display:flex;align-items:center;justify-content:space-between;gap:30px;background:linear-gradient(135deg,#fff,#eef7fb);border:1px solid var(--line);border-radius:24px;padding:28px}.cta-card h2{margin:4px 0 5px}.cta-card p{margin:0;color:var(--muted)}.page-hero{padding:48px 0 76px;background:linear-gradient(135deg,#eef7fb,#f7fbfd);border-bottom:1px solid var(--line)}.page-hero h1{font-size:clamp(34px,5vw,52px);margin:14px 0 8px;color:var(--navy)}.page-hero p{max-width:760px;margin:0;color:var(--muted);font-size:17px}.calculator-shell{background:#fff;border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:var(--shadow)}.calculator-head{display:flex;justify-content:space-between;gap:18px;align-items:center;margin-bottom:8px}.calculator-head h2{margin:3px 0 0}.estimate-badge{padding:7px 10px;border-radius:999px;background:var(--gold-bg);color:#985d0e;font-size:11px;font-weight:900}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:4px 18px;margin-top:20px}.input{display:grid;gap:7px;margin:8px 0}.input label{font-weight:800;font-size:13px}.input input,.input select{width:100%;padding:13px 14px;border:1px solid #cbd8e2;border-radius:12px;background:#fff;color:var(--ink);font-size:16px}.input input:focus,.input select:focus{outline:3px solid #cde7f2;border-color:var(--blue)}.result{margin-top:18px;background:#eef7fb;border:1px solid #cfe4ee;border-radius:16px;padding:16px}.result-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.result-grid>div{background:#fff;border-radius:12px;padding:13px}.result-grid span{display:block;color:var(--muted);font-size:11px}.result-grid strong{display:block;font-size:18px;margin-top:4px}.result-grid .total{background:#e7f5eb}.result-grid .total strong{font-size:21px;color:var(--green)}.notice{margin-top:18px;padding:15px 16px;border-left:4px solid var(--gold);background:var(--gold-bg);border-radius:10px;color:#5c4b34}.muted{color:var(--muted)}.age-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:18px}.age-grid span{background:#f4f7fa;border-radius:12px;padding:12px;color:var(--muted);display:flex;justify-content:space-between}.age-grid b{color:var(--navy)}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:16px;margin-top:20px}table{width:100%;min-width:680px;border-collapse:collapse}th,td{padding:14px 16px;text-align:left;border-bottom:1px solid #e7edf2}th{background:var(--navy);color:#fff;font-size:12px}td{background:#fff}tr:last-child td{border-bottom:0}.new-pay{font-weight:850;color:#a85e10}.site-footer{margin-top:60px;background:var(--navy);color:#dce8f1;padding:45px 0 0}.footer-grid{display:grid;grid-template-columns:1.5fr .8fr .8fr;gap:50px}.footer-brand{color:#fff}.footer-grid p{max-width:450px;color:#a9bfce}.footer-grid h3{margin:0 0 10px;color:#fff;font-size:14px}.footer-grid>div>a:not(.brand){display:block;color:#b9ccd8;padding:3px 0;font-size:13px}.footer-bottom{margin-top:30px;padding:16px 0;border-top:1px solid rgba(255,255,255,.12);font-size:12px;color:#91a9ba}.ad-slot{display:flex;justify-content:center;align-items:center;width:100%;min-height:10px;margin:16px auto;overflow:hidden}.page-content{padding:40px 0}
@media(max-width:950px){.tool-grid{grid-template-columns:1fr 1fr}.hero-grid{grid-template-columns:1fr}.hero-visual{max-width:620px}.two-col{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.desktop-nav a{padding:8px 7px}}
@media(max-width:700px){.desktop-nav{display:none}.menu-toggle{display:block}.mobile-menu[hidden]{display:none}.mobile-menu:not([hidden]){display:block}.nav-wrap{min-height:64px}.hero{padding:48px 0 56px}.hero h1{font-size:40px}.hero p{font-size:16px}.section{padding:44px 0}.tool-grid,.form-grid,.result-grid{grid-template-columns:1fr}.section-heading.inline,.calculator-head,.cta-card{display:block}.estimate-badge{display:inline-block;margin-top:10px}.logic-card{grid-template-columns:1fr}.logic-arrow{text-align:center}.footer-grid{grid-template-columns:1fr}.age-grid{grid-template-columns:1fr}.section-overlap{margin-top:-30px}.calculator-shell{padding:20px}.page-hero{padding:38px 0 64px}.page-hero h1{font-size:36px}}
.compare-panel-simple{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:18px}.compare-panel-simple>div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px}.compare-panel-simple span{display:block;color:var(--muted);font-size:11px}.compare-panel-simple strong{display:block;font-size:21px;margin-top:4px}@media(max-width:700px){.compare-panel-simple{grid-template-columns:1fr 1fr}}