:root{--forest:#183e3f;--teal:#086f67;--cream:#f7f8f4;--paper:#fff;--ink:#1b3031;--muted:#58706d;--edge:#d8e5df;--mint:#e2f4ed;--sun:#f6e8c5}
*{box-sizing:border-box}body{margin:0;background:var(--cream);font-family:system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);line-height:1.65}a{color:var(--teal);text-underline-offset:.19em}a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid #eab95c;outline-offset:3px}
.container{max-width:1080px;margin:auto;padding:0 24px}.brand{display:flex;align-items:center;gap:12px;color:var(--forest);font-size:1.05rem;font-weight:800;text-decoration:none;line-height:1.15}.brand .logo{display:grid;place-items:center;background:var(--forest);color:white;width:43px;height:43px;border-radius:12px;font-weight:900;letter-spacing:-1.1px}.brand small{display:block;font-size:.7rem;font-weight:500;color:var(--muted)}header{background:white;border-bottom:1px solid var(--edge)}.header{padding:15px 0;display:flex;align-items:center;justify-content:space-between;gap:18px}nav{display:flex;gap:23px;align-items:center;flex-wrap:wrap}nav a{font-size:.91rem;font-weight:650;color:var(--forest);text-decoration:none}nav a:hover{text-decoration:underline}
.hero{padding:76px 0;background:linear-gradient(120deg,#eaf3ed 0%,#f9faf4 65%)}.split{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center}h1{font-size:clamp(2.35rem,5.3vw,4.5rem);line-height:1.09;letter-spacing:-.05em;margin:0 0 18px;color:var(--forest)}h2{font-size:clamp(1.75rem,3.3vw,2.5rem);letter-spacing:-.03em;line-height:1.2;color:var(--forest)}h3{font-size:1.27rem;line-height:1.28;color:var(--forest)}.lede{font-size:1.12rem;max-width:650px;color:#405c5a}.eyebrow{font-weight:750;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);font-size:.76rem}.button{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;border-radius:9px;background:var(--teal);color:white;padding:13px 22px;font-weight:700;min-height:45px}.button.ghost{background:transparent;color:var(--teal);border:1px solid var(--teal)}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.hero .note{font-size:.81rem;color:var(--muted);margin-top:16px}.graphic{border-radius:21px;padding:24px;background:var(--forest);color:#fff;box-shadow:17px 17px 0 #d5e9df;transform:rotate(1deg)}.graphic h3,.graphic p{color:#fff}.graphic .tick{padding:13px 0;border-bottom:1px solid #ffffff45}.graphic span{color:#b0e6d8;float:right}.section{padding:53px 0}.section.alt{background:white}.tiles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.card{background:white;border:1px solid var(--edge);border-radius:15px;padding:23px}.card h3{margin:0 0 10px}.card p{color:var(--muted);margin:0 0 12px}.arrow{font-weight:750}.callout{background:var(--mint);padding:24px;border-left:4px solid var(--teal);border-radius:10px}.callout p:last-child{margin-bottom:0}.bread{color:var(--muted);font-size:.87rem;margin:30px 0}.article{background:white;border:1px solid var(--edge);border-radius:16px;padding:clamp(24px,5vw,55px);margin-bottom:55px}.article h1{font-size:clamp(2.15rem,4vw,3.3rem)}.article h2{font-size:1.65rem;margin-top:32px}.article p,.article li{max-width:790px}.article p{margin-top:0}.muted,.meta{color:var(--muted)}.meta{font-size:.85rem}.lead{font-size:1.18rem;color:#395956}.toc{background:var(--cream);border-radius:12px;padding:18px;margin:26px 0;max-width:790px}.toc p{margin:0}.toc a{font-weight:650}
form{display:grid;grid-template-columns:1fr 1fr;gap:16px;max-width:780px;margin:20px 0}.field label{display:block;font-size:.88rem;font-weight:700;color:var(--forest);margin-bottom:5px}.field input{width:100%;border:1px solid #aac9bf;border-radius:9px;padding:12px;font:inherit}.calc{padding:22px;border-radius:14px;background:var(--mint);max-width:790px}.calc .total{font-size:2.3rem;font-weight:850;letter-spacing:-.04em;color:var(--forest)}.stat{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.stat>div{border-top:1px solid #b6d3c8;padding-top:10px}.stat strong{display:block;font-size:1.15rem}.explain{font-size:.88rem;color:var(--muted)}.error{color:#9e321b;font-weight:700}.warning{background:#fff6d9;border-left:3px solid #c99216;padding:15px 19px;border-radius:8px}.buttonrow{margin-top:20px}.table-wrap{overflow-x:auto}.compare{border-collapse:collapse;min-width:640px;max-width:100%;width:100%;margin:20px 0}.compare th{text-align:left;background:var(--forest);color:white}.compare th,.compare td{padding:13px;border:1px solid var(--edge);vertical-align:top}.compare tr:nth-child(even) td{background:#f5f9f6}footer{background:var(--forest);color:#e6f3ee;padding:39px 0}footer a{color:#c8eee6}footer .footer-links{display:flex;gap:20px;flex-wrap:wrap;margin:10px 0 20px}footer small{color:#c8d7d1}
@media(max-width:760px){.split{grid-template-columns:1fr;gap:23px}.graphic{transform:none;box-shadow:none}.tiles{grid-template-columns:1fr}.header{align-items:start;flex-direction:column}nav{gap:11px 19px}.hero{padding:47px 0}form{grid-template-columns:1fr}.article{border-radius:0;margin-left:-24px;margin-right:-24px}.stat{grid-template-columns:1fr}.section{padding:32px 0}}

.brand-logo{width:105px;height:auto;object-fit:contain;display:block;background:#153336;padding:5px;border-radius:4px}.brand{align-items:center;gap:10px}@media(max-width:650px){.brand-logo{width:72px}}