*,*::before,*::after{box-sizing:border-box}
:root{--bg:#F5F1E8;--tint:#EFEAE0;--surface:#FCFAF5;--ink:#1A1714;--soft:#3A352F;--mute:#6B6358;--line:rgba(26,23,20,.1);--accent:#004C47;--deep:#00332E;--mint:#98DAA4;--r:14px;--shadow:0 18px 55px -35px rgba(26,23,20,.35)}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",system-ui,sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased}
::selection{background:#98DAA4;color:#004C47}
a{color:inherit}
.wrap{width:min(1180px,calc(100% - 64px));margin:0 auto}
.header{position:sticky;top:0;z-index:20;background:rgba(245,241,232,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.header-inner{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:700;letter-spacing:.08em}
.brand-mark{display:grid;place-items:center;width:28px;height:28px;border-radius:7px;background:var(--accent);color:#fff;font-size:14px}
.nav{display:flex;align-items:center;gap:24px}
.nav a{font-size:14px;color:var(--soft);text-decoration:none}
.nav a:hover{color:var(--accent)}
.nav-dropdown{position:relative;padding:17px 0}
.nav-dropdown-trigger{display:inline-flex;align-items:center;gap:7px}
.nav-dropdown-caret{width:7px;height:7px;margin-top:-3px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);transition:transform .16s ease}
.nav-dropdown-menu{position:absolute;top:calc(100% - 9px);right:-14px;z-index:40;display:grid;gap:2px;width:270px;padding:8px;border:1px solid rgba(0,76,71,.16);border-radius:13px;background:rgba(252,250,245,.98);box-shadow:0 18px 42px rgba(26,23,20,.16);opacity:0;visibility:hidden;transform:translateY(-5px);pointer-events:none;transition:opacity .16s ease,transform .16s ease,visibility .16s}
.nav-dropdown-menu a{display:block;padding:10px 12px;border-radius:8px;color:var(--ink);font-size:14px;line-height:1.25}
.nav-dropdown-menu a:hover,.nav-dropdown-menu a:focus-visible{outline:none;background:#E2F2E5;color:var(--accent)}
.nav-dropdown-menu small{display:block;margin-bottom:2px;color:var(--mute);font-size:10px;font-weight:700;letter-spacing:.07em;text-transform:uppercase}
.nav-dropdown:hover .nav-dropdown-menu,.nav-dropdown:focus-within .nav-dropdown-menu{opacity:1;visibility:visible;transform:translateY(0);pointer-events:auto}
.nav-dropdown:hover .nav-dropdown-caret,.nav-dropdown:focus-within .nav-dropdown-caret{transform:translateY(3px) rotate(225deg)}
.hero{padding:70px 0 46px}
.crumbs{font-size:13px;color:var(--mute);margin-bottom:20px}
.crumbs a{text-decoration:none}
.eyebrow{display:inline-block;padding:5px 12px;border-radius:999px;background:var(--mint);color:var(--accent);font-size:12px;font-weight:700;letter-spacing:.03em}
h1{max-width:850px;margin:18px 0 18px;font-family:Georgia,"Times New Roman",serif;font-size:clamp(39px,6vw,68px);font-weight:400;line-height:1.05;letter-spacing:-.03em}
.lead{max-width:720px;margin:0;color:var(--soft);font-size:18px}
.updated{margin-top:20px;color:var(--mute);font-size:13px}
.calc-area{padding:0 0 80px}
.calc-grid{display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:28px;align-items:start}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow)}
.form-panel{padding:30px}
.panel-head{position:relative;margin-bottom:26px;padding-right:170px}
.panel-head h2{margin:0 0 6px;font-size:23px}
.panel-head p{margin:0;color:var(--mute);font-size:14px}
.pdf-button{position:absolute;top:0;right:0;display:inline-flex;align-items:center;gap:6px;padding:9px 16px;border:1px solid rgba(26,23,20,.18);border-radius:50px;background:transparent;color:var(--ink);font:inherit;font-size:13px;font-weight:500;cursor:pointer;transition:.18s}
.pdf-button:hover,.pdf-button:focus-visible{outline:none;background:var(--accent);border-color:var(--accent);color:#fff}.pdf-button svg{width:14px;height:14px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.field{display:flex;flex-direction:column;gap:7px}
.field.full{grid-column:1/-1}
label{font-size:13px;font-weight:650;color:var(--soft)}
.hint{font-size:12px;color:var(--mute);font-weight:400}
input,select{width:100%;min-height:48px;border:1px solid rgba(26,23,20,.18);border-radius:9px;background:#fff;color:var(--ink);padding:10px 13px;font:inherit;font-size:15px;outline:none}
input:hover,select:hover{border-color:rgba(26,23,20,.35)}
input:focus,select:focus{border-color:var(--accent);box-shadow:0 0 0 3px rgba(0,76,71,.09)}
.date-picker-field{position:relative}.date-native{position:absolute!important;width:1px!important;height:1px!important;min-height:0!important;margin:-1px!important;padding:0!important;overflow:hidden!important;clip:rect(0 0 0 0)!important;white-space:nowrap!important;border:0!important;opacity:0!important;pointer-events:none!important}.date-text{padding-right:44px!important}.date-picker-toggle{position:absolute;right:12px;top:50%;display:grid;place-items:center;width:24px;height:24px;padding:0;border:0;background:transparent;color:var(--accent);font:inherit;cursor:pointer;transform:translateY(-50%)}.date-picker-toggle svg{width:19px;height:19px}.date-picker-toggle:hover{color:var(--deep)}.date-picker{position:absolute;z-index:70;top:calc(100% + 8px);left:0;width:min(300px,calc(100vw - 40px));padding:14px;border:1px solid rgba(0,76,71,.18);border-radius:14px;background:var(--surface);box-shadow:0 18px 42px rgba(26,23,20,.18)}.date-picker[hidden]{display:none}.date-picker-head{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:12px}.date-picker-head strong{font-size:14px;text-transform:capitalize}.date-picker-nav{width:30px;height:30px;border:0;border-radius:8px;background:var(--bg);color:var(--accent);font:inherit;font-size:20px;line-height:1;cursor:pointer}.date-picker-nav:hover,.date-picker-nav:focus-visible{outline:none;background:var(--mint)}.date-picker-week,.date-picker-days{display:grid;grid-template-columns:repeat(7,1fr);gap:3px}.date-picker-week{margin-bottom:4px}.date-picker-week span{color:var(--mute);font-size:10px;font-weight:700;text-align:center}.date-picker-day{min-width:0;height:32px;border:0;border-radius:8px;background:transparent;color:var(--ink);font:inherit;font-size:13px;cursor:pointer}.date-picker-day:hover,.date-picker-day:focus-visible{outline:none;background:#E2F2E5;color:var(--accent)}.date-picker-day.is-muted{color:rgba(107,99,88,.42)}.date-picker-day.is-weekend{color:#8D6E69}.date-picker-day.is-selected{background:var(--accent);color:#fff;font-weight:700}.date-picker-day.is-today{box-shadow:inset 0 0 0 1px var(--mint)}
select option:checked{background:#98DAA4;color:#004C47}
.select-native{position:absolute!important;width:1px!important;height:1px!important;min-height:0!important;margin:-1px!important;padding:0!important;overflow:hidden!important;clip:rect(0 0 0 0)!important;white-space:nowrap!important;border:0!important}
.custom-select{position:relative}
.custom-select-trigger{position:relative;width:100%;min-height:48px;padding:10px 42px 10px 13px;border:1px solid rgba(26,23,20,.18);border-radius:9px;background:#fff;color:var(--ink);font:inherit;font-size:15px;text-align:left;cursor:pointer}
.custom-select-trigger::after{content:"";position:absolute;right:16px;top:50%;width:7px;height:7px;border-right:1.5px solid var(--accent);border-bottom:1.5px solid var(--accent);transform:translateY(-70%) rotate(45deg);transition:transform .15s}
.custom-select-trigger:hover{border-color:rgba(26,23,20,.35)}
.custom-select-trigger:focus-visible,.custom-select.open .custom-select-trigger{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(0,76,71,.09)}
.custom-select.open .custom-select-trigger::after{transform:translateY(-25%) rotate(225deg)}
.custom-select-menu{position:absolute;z-index:30;left:0;right:0;top:calc(100% + 6px);display:none;padding:6px;border:1px solid rgba(0,76,71,.22);border-radius:10px;background:#fff;box-shadow:0 14px 35px rgba(26,23,20,.14)}
.custom-select.open .custom-select-menu{display:grid}
.custom-select-option{width:100%;padding:10px 11px;border:0;border-radius:7px;background:#fff;color:var(--ink);font:inherit;font-size:14px;text-align:left;cursor:pointer}
.custom-select-option:hover,.custom-select-option:focus-visible{outline:none;background:#E2F2E5;color:var(--accent)}
.custom-select-option.is-selected{background:#98DAA4;color:#004C47;font-weight:650}
.check{display:flex;align-items:flex-start;gap:10px;padding:14px;border:1px solid var(--line);border-radius:10px;background:var(--bg)}
.check input{width:18px;min-height:18px;margin-top:2px;accent-color:var(--accent)}
.check label{font-weight:500}
.result{position:sticky;top:94px;padding:28px;background:var(--accent);color:#fff}
.result-kicker{font-size:11px;text-transform:uppercase;letter-spacing:.13em;color:rgba(255,255,255,.65)}
.result-main{margin:10px 0 3px;font-size:40px;line-height:1.05;font-weight:700;letter-spacing:-.04em}
.result-caption{font-size:14px;color:rgba(255,255,255,.7)}
.breakdown{margin-top:26px;padding-top:18px;border-top:1px solid rgba(255,255,255,.18)}
.result-row{display:flex;justify-content:space-between;gap:18px;padding:7px 0;font-size:14px}
.result-row span:first-child{color:rgba(255,255,255,.66)}
.result-row strong{text-align:right}
.result-note{margin:18px 0 0;padding:13px;border-radius:10px;background:rgba(152,218,164,.13);color:#D7F5DD;font-size:12px}
.result-chart{margin-top:22px;padding-top:19px;border-top:1px solid rgba(255,255,255,.18)}
.result-chart h3{margin:0 0 14px;color:#fff;font-size:13px;font-weight:700;line-height:1.35}
.chart-group+.chart-group{margin-top:18px}.chart-group-label{display:block;margin-bottom:7px;color:rgba(255,255,255,.68);font-size:11px;font-weight:650}
.chart-track{display:flex;height:13px;overflow:hidden;border-radius:999px;background:rgba(255,255,255,.12)}.chart-segment{display:block;height:100%;min-width:0;transition:width .28s ease}.chart-segment:first-child{border-radius:999px 0 0 999px}.chart-segment:last-child{border-radius:0 999px 999px 0}
.chart-legend{display:grid;gap:6px;margin-top:10px}.chart-legend-item{display:grid;grid-template-columns:8px 1fr auto;align-items:center;gap:7px;color:rgba(255,255,255,.68);font-size:11px}.chart-dot{width:8px;height:8px;border-radius:50%}.chart-legend-item strong{color:#fff;font-size:11px}
.comparison-row+.comparison-row{margin-top:12px}.comparison-meta{display:flex;justify-content:space-between;gap:12px;margin-bottom:5px;color:rgba(255,255,255,.72);font-size:11px}.comparison-meta strong{color:#fff}.comparison-track{height:9px;overflow:hidden;border-radius:999px;background:rgba(255,255,255,.12)}.comparison-fill{display:block;height:100%;border-radius:999px;background:#98DAA4;transition:width .28s ease}.comparison-row.is-current .comparison-meta{color:#98DAA4}.comparison-row.is-current .comparison-fill{background:#F2C57C}
.field-note{display:block;color:var(--mute);font-size:12px;line-height:1.45}
.calc-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;margin-bottom:22px;overflow:hidden;border:1px solid var(--line);border-radius:16px;background:var(--line)}
.calc-step{display:grid;grid-template-columns:auto 1fr;column-gap:12px;padding:18px 20px;background:var(--surface)}
.calc-step>span{grid-row:1/3;font-family:Georgia,serif;font-size:28px;line-height:1;color:var(--mint)}
.calc-step strong{font-size:14px}.calc-step small{color:var(--mute);font-size:12px}
.period-preview{padding:17px 18px;border:1px solid rgba(0,76,71,.18);border-radius:11px;background:var(--bg)}
.period-preview span,.period-preview small{display:block;color:var(--mute);font-size:12px}
.period-preview strong{display:block;margin:3px 0;color:var(--accent);font-size:18px}
.guide-heading{max-width:760px;margin-bottom:32px}.guide-heading h2{margin:14px 0 10px;font-family:Georgia,"Times New Roman",serif;font-size:clamp(34px,5vw,48px);font-weight:400;line-height:1.1}.guide-heading p{margin:0;color:var(--soft);font-size:17px}
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.guide-card{padding:24px;border:1px solid var(--line);border-radius:14px;background:var(--bg)}
.guide-card>span{font-family:Georgia,serif;font-size:30px;color:var(--mint)}.guide-card h3{margin:14px 0 8px}.guide-card p{margin:0;color:var(--soft);font-size:14px}
.formula-wide{margin:28px 0}
.explain-grid{display:grid;grid-template-columns:1fr 1fr;gap:38px}.explain-grid h3{margin:0 0 8px}.explain-grid p{margin:0;color:var(--soft)}
.important-note{margin-top:28px;padding:18px 20px;border-radius:12px;background:var(--mint);color:var(--deep)}
.detail-section{padding:76px 0;border-top:1px solid var(--line);background:var(--bg)}
.detail-heading{max-width:760px;margin-bottom:32px}.detail-heading h2{margin:14px 0 10px;font-family:Georgia,"Times New Roman",serif;font-size:clamp(34px,5vw,48px);font-weight:400;line-height:1.1}.detail-heading p{margin:0;color:var(--soft)}
.detail-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.detail-card{padding:24px;border:1px solid var(--line);border-radius:14px;background:var(--surface)}.detail-card h3{margin:0 0 9px;font-size:18px}.detail-card p{margin:0;color:var(--soft);font-size:14px}.detail-card strong{color:var(--accent)}
.faq-section{padding:76px 0;background:var(--surface);border-top:1px solid var(--line)}.faq-section h2{margin:0 0 28px;font-family:Georgia,"Times New Roman",serif;font-size:clamp(34px,5vw,48px);font-weight:400}.faq-list{max-width:880px;border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{position:relative;padding:20px 42px 20px 0;font-weight:700;cursor:pointer;list-style:none}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary::after{content:"+";position:absolute;right:8px;top:18px;color:var(--accent);font-size:24px;font-weight:400}.faq-list details[open] summary::after{content:"−"}.faq-list p{margin:0;padding:0 42px 20px 0;color:var(--soft);font-size:15px}
.info{padding:80px 0;border-top:1px solid var(--line);background:var(--surface)}
.info-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:70px}
.info h2,.related h2{margin:0 0 18px;font-family:Georgia,"Times New Roman",serif;font-size:40px;font-weight:400;line-height:1.1}
.info .guide-heading h2{margin:14px 0 10px}
.info h3{margin:30px 0 8px;font-size:19px}
.info p,.info li{color:var(--soft)}
.formula{margin:20px 0;padding:18px;border-left:3px solid var(--accent);background:var(--bg);font-size:15px}
.facts{display:grid;gap:12px}
.fact{padding:18px;border:1px solid var(--line);border-radius:12px;background:var(--bg)}
.fact strong{display:block;font-size:21px;color:var(--accent)}
.fact span{font-size:13px;color:var(--mute)}
.sources{margin-top:30px;padding-top:22px;border-top:1px solid var(--line);font-size:13px;color:var(--mute)}
.sources a{color:var(--accent)}
.related{padding:72px 0}
.cards{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:14px}
.calc-card{position:relative;display:block;padding:22px;min-height:198px;border:1px solid var(--line);border-radius:14px;background:var(--surface);text-decoration:none;transition:.18s}
.calc-card:hover{transform:translateY(-2px);border-color:rgba(0,76,71,.4);box-shadow:var(--shadow)}
.calc-card-icon{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--mint);color:var(--accent)}
.calc-card-icon svg{width:21px;height:21px}
.calc-card small{display:block;margin-top:16px;color:var(--accent);font-weight:700;text-transform:uppercase;letter-spacing:.08em}
.calc-card h3{margin:9px 0 6px;font-size:18px;line-height:1.2}
.calc-card p{margin:0;color:var(--mute);font-size:13px;line-height:1.45}
.calc-card.is-current{border-color:rgba(0,76,71,.46);background:#e7f4e9;box-shadow:inset 0 0 0 1px rgba(0,76,71,.08)}
.calc-card-current{position:absolute;top:19px;right:18px;color:var(--accent);font-size:11px;font-weight:700}
.footer{padding:40px 0;background:var(--accent);color:rgba(255,255,255,.72)}
.footer-inner{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.footer a{color:#fff}
.footer button{border:0;background:none;color:#fff;text-decoration:underline;font:inherit;cursor:pointer;padding:0}
.site-footer{padding:56px 0 40px;background:#004C47;color:rgba(255,255,255,.85)}
.site-footer .wrap{width:min(1180px,calc(100% - 40px))}
.site-footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:48px;margin-bottom:48px}
.site-footer-brand{display:inline-flex;align-items:center;gap:10px;color:#fff!important;text-decoration:none}
.site-footer-brand>.brand-mark{display:none}
.site-footer-brand-name,.site-footer-brand-tag{display:block}
.site-footer-brand-name{font-size:18px;font-weight:700;line-height:1;letter-spacing:.08em}
.site-footer-brand-tag{margin-top:5px;color:rgba(255,255,255,.58);font-size:10px;font-weight:500;line-height:1.1;letter-spacing:0;white-space:nowrap}
.site-footer-about{max-width:320px;margin:10px 0 0;color:rgba(255,255,255,.6);font-size:14px;line-height:1.65}
.site-footer-col h2{margin:0 0 16px;color:rgba(255,255,255,.5);font-family:inherit;font-size:13px;font-weight:600;line-height:1.4;letter-spacing:.08em;text-transform:uppercase}
.site-footer-col a,.site-footer-link{display:block;padding:4px 0;color:rgba(255,255,255,.7);font:inherit;font-size:14px;text-align:left;text-decoration:none;transition:color .15s}
.site-footer-link{border:0;background:none;cursor:pointer}
.site-footer-col a:hover,.site-footer-link:hover{color:#98DAA4}
.site-footer-bottom{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-top:32px;border-top:1px solid rgba(255,255,255,.12);color:rgba(255,255,255,.4);font-size:13px}
.consent{position:fixed;z-index:100;left:20px;right:20px;bottom:20px;max-width:620px;margin:auto;display:none;align-items:center;gap:18px;flex-wrap:wrap;padding:20px;border-radius:16px;background:var(--ink);color:#fff;box-shadow:0 18px 55px rgba(0,0,0,.3);font-size:13px}
.consent.show{display:flex}.consent-copy{flex:1;min-width:250px}.consent-copy strong{display:block;font-size:15px}.consent-copy p{margin:4px 0 0;color:rgba(255,255,255,.72)}.consent-copy a{color:#fff}
.consent-actions{display:flex;gap:8px}.consent-actions button{min-width:105px;padding:9px 15px;border-radius:999px;font:inherit;font-weight:650;cursor:pointer}.consent-reject{border:1px solid rgba(255,255,255,.55);background:transparent;color:#fff}.consent-accept{border:1px solid var(--mint);background:var(--mint);color:var(--deep)}
.hub{padding:70px 0 90px}
.hub-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:38px}
.hub-card{display:block;padding:28px;border:1px solid var(--line);border-radius:18px;background:var(--surface);text-decoration:none}
.hub-card:hover{border-color:rgba(0,76,71,.4);box-shadow:var(--shadow)}
.hub-card .num{font-family:Georgia,serif;font-size:42px;color:var(--mint)}
.hub-card h2{margin:16px 0 7px;font-size:24px}
.hub-card p{margin:0;color:var(--mute)}
.info{scroll-margin-top:72px}
@media(max-width:900px){.calc-grid,.info-grid{grid-template-columns:1fr}.result{position:static}.cards{grid-template-columns:repeat(2,1fr)}.guide-grid,.detail-grid{grid-template-columns:1fr}.explain-grid{grid-template-columns:1fr}}
@media(max-width:680px){.wrap{width:min(100% - 36px,1180px)}.nav>a{display:none}.nav{gap:0}.nav-dropdown{display:block}.nav-dropdown-menu{right:0;width:min(280px,calc(100vw - 36px))}.nav-dropdown-menu a{display:block!important}.hero{padding:48px 0 34px}.calc-area{padding-bottom:56px}.form-panel,.result{padding:22px}.panel-head{padding-right:0}.pdf-button{position:static;margin-top:14px}.fields{grid-template-columns:1fr}.field.full{grid-column:auto}.info{padding:58px 0}.info-grid{gap:35px}.cards,.hub-grid,.site-footer-grid{grid-template-columns:1fr}.site-footer-grid{gap:28px;margin-bottom:32px}.site-footer{padding:42px 0 28px}.site-footer .wrap{width:min(100% - 36px,1180px)}.result-main{font-size:34px}.calc-steps{grid-template-columns:1fr}}
@media print{.header,.form-panel,.calc-steps,.detail-section,.faq-section,.related,.site-footer,.consent{display:none!important}.hero{padding:20px 0}.calc-area{padding:0}.calc-grid{display:block}.result{position:static;background:#fff!important;color:#111!important;border:1px solid #bbb;box-shadow:none}.result *{color:#111!important}.result-note{background:#eee!important}.breakdown,.result-chart{border-color:#ccc!important}.chart-track,.comparison-track{background:#ddd!important}.chart-segment,.comparison-fill,.chart-dot{print-color-adjust:exact;-webkit-print-color-adjust:exact}}