:root{--navy:#12305a;--teal:#0f766e;--amber:#f59e0b;--amber-d:#b45309;--ink:#1f2937;--mute:#4b5563;--line:#d5dde6;--bg:#f4f7fa;--tint:#e6f4f2}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:1rem/1.6 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:#fff;overflow-wrap:break-word}
.wrap{max-width:66rem;margin:0 auto;padding:0 1rem}
h1,h2,h3{color:var(--navy);line-height:1.25;margin:0 0 .6rem}
h1{font-size:1.75rem}
h2{font-size:1.35rem;margin-top:2rem}
h3{font-size:1.05rem;margin-top:1.25rem;margin-bottom:.25rem}
p,ul,ol{margin:0 0 1rem}
a{color:#0b5f59;text-underline-offset:2px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--amber-d);outline-offset:2px}
.top :focus-visible,.foot :focus-visible,.hero :focus-visible{outline-color:#fbbf24}
.skip{position:absolute;left:-999px;background:#fff;color:var(--navy);padding:.5rem 1rem;z-index:2}
.skip:focus{left:.5rem;top:.5rem}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap}
.top{background:var(--navy)}
.top .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;column-gap:1rem;padding-top:.35rem;padding-bottom:.35rem}
.brand{color:#fff;font-weight:700;font-size:1.15rem;text-decoration:none;padding:.5rem 0}
.brand span{color:#fbbf24}
.brand:hover{color:#fff}
.nav{display:flex;gap:.1rem;margin:0 -.5rem;padding:0;list-style:none}
.nav a{display:block;color:#fff;text-decoration:none;padding:.55rem .5rem;font-size:.95rem}
.nav a:hover,.nav a[aria-current]{text-decoration:underline;text-decoration-color:#fbbf24;text-decoration-thickness:2px;color:#fff}
main{padding:1rem 0 2.5rem}
.crumbs{font-size:.875rem;color:var(--mute);margin-bottom:.75rem}
.crumbs ol{display:flex;flex-wrap:wrap;margin:0;padding:0;list-style:none}
.crumbs li+li::before{content:"/";margin:0 .4rem}
.hero{background:linear-gradient(135deg,var(--navy),#0d5560);color:#fff;margin:-1rem -1rem 0;padding:2rem 1rem}
.hero h1{color:#fff;font-size:1.9rem}
.hero p{max-width:40rem}
.hero label{display:block;font-weight:600;margin-bottom:.25rem}
.hero-row{display:flex;flex-wrap:wrap;gap:.6rem;max-width:32rem}
.hero-row select{flex:1 1 13rem}
.lead{font-size:1.08rem}
.small{font-size:.875rem;color:var(--mute)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(9.5rem,1fr));gap:.75rem;margin:1rem 0}
.card{background:var(--bg);border:1px solid var(--line);border-top:3px solid var(--teal);border-radius:6px;padding:.75rem .85rem}
.card p{margin:0}
.card-l{font-size:.875rem;font-weight:600;color:var(--navy);line-height:1.3}
.card-v{font-size:1.6rem;font-weight:700;color:var(--navy);line-height:1.35}
.card .small{line-height:1.35}
.tw{overflow-x:auto;margin:0 0 1rem;border:1px solid var(--line);border-radius:6px}
table{width:100%;border-collapse:collapse;font-size:.92rem}
caption{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}
th,td{padding:.5rem .55rem;text-align:left;border-bottom:1px solid var(--line)}
thead th{background:var(--navy);color:#fff;font-weight:600;line-height:1.25;vertical-align:bottom}
tbody tr:last-child>*{border-bottom:0}
tbody th{font-weight:500}
.n{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
thead .n{white-space:normal}
.btn{display:inline-block;min-height:2.75rem;padding:.55rem 1.1rem;border:0;border-radius:6px;background:var(--amber);color:#14233b;font:inherit;font-weight:700;text-align:center;text-decoration:none;cursor:pointer}
.btn:hover{background:#fbbf24;color:#14233b}
select{width:100%;min-height:2.75rem;padding:.45rem .6rem;border:1px solid #6b7280;border-radius:6px;background:#fff;color:var(--ink);font:inherit}
.calc-cta{background:var(--tint);border-left:4px solid var(--teal);border-radius:6px;padding:1rem;margin:1.5rem 0}
.calc-cta p:last-child{margin:0}
.aff{background:#fff8eb;border:1px solid #f3cf8b;border-radius:6px;padding:1rem;margin:1.5rem 0}
.aff p{margin-bottom:.6rem}
.aff .small{margin:.6rem 0 0}
.aff-t{font-weight:700;color:var(--navy)}
.ad{margin:1.5rem 0;text-align:center}
.ad-l{font-size:.75rem;color:var(--mute);margin:0 0 .25rem}
.ad ins{min-height:280px}
.note{background:var(--bg);border-left:4px solid var(--amber-d);border-radius:6px;padding:.75rem 1rem;margin:1rem 0}
.note p:last-child{margin:0}
.src{font-size:.875rem;color:var(--mute);border-top:1px solid var(--line);padding-top:.75rem;margin-top:1.5rem}
.prose{max-width:46rem}
.form{display:grid;gap:.85rem;background:var(--bg);border:1px solid var(--line);border-radius:6px;padding:1rem}
.form label{display:block;font-weight:600;margin-bottom:.2rem}
.form .btn{width:100%}
.result{min-height:13rem;border:2px solid var(--teal);border-radius:6px;padding:1rem;margin:1rem 0}
.result p{margin-bottom:.5rem}
.r-big{font-size:2.4rem;font-weight:700;color:var(--navy);line-height:1.2;margin:0 0 .5rem}
.result dl{margin:0 0 .5rem}
.result dt{font-weight:600;font-size:.875rem;color:var(--navy)}
.result dd{margin:0 0 .5rem}
.foot{background:var(--navy);color:#e5ebf3;font-size:.9rem;padding:1.5rem 0}
.foot a{color:#fff}
.foot ul{display:flex;flex-wrap:wrap;gap:.1rem 1rem;padding:0;list-style:none}
.foot li a{display:inline-block;padding:.3rem 0}
.foot p:last-child{margin:0}
.disc{font-weight:600;color:#fff}
.glist{padding:0;list-style:none}
.glist li{padding:.75rem 0;border-bottom:1px solid var(--line)}
.glist a{font-weight:600}
.glist p{margin:0;color:var(--mute)}
@media(max-width:47.99rem){
.card:last-child:nth-child(odd){grid-column:1/-1}
th,td{padding:.5rem .4rem}
}
@media(min-width:48rem){
h1{font-size:2.1rem}
.hero{margin:0;padding:3rem 2rem;border-radius:8px}
.hero h1{font-size:2.5rem}
.form{grid-template-columns:repeat(2,1fr)}
.form .full{grid-column:1/-1}
.form .btn{width:auto;justify-self:start}
.result dl{display:grid;grid-template-columns:repeat(2,1fr);gap:0 1rem}
}