:root{
  --bg:#f7f6f2;--card:#ffffff;--ink:#1b2230;--muted:#4f5868;--line:#d9d6cc;--soft:#efece4;
  --accent:#1c5a86;--accent-ink:#ffffff;--warn:#8a4b00;--warn-bg:#fff4e0;--good:#1d6b45;--bad:#a1261b;
  --c-cash:#6b5b3e;--c-sf:#1c5a86;--c-st:#3f6b35;
  --radius:10px;--maxw:1120px;
  color-scheme:light;
}
@media (prefers-color-scheme:dark){
  :root{--bg:#12161d;--card:#1a2029;--ink:#e7e9ee;--muted:#a9b1bf;--line:#2e3643;--soft:#222a35;
    --accent:#7db8e4;--accent-ink:#0d1520;--warn:#f0b35c;--warn-bg:#2b2215;--good:#6fcf9b;--bad:#ff8f84;
    --c-cash:#cdb68a;--c-sf:#7db8e4;--c-st:#9ccf8d;color-scheme:dark}
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.55 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
a{color:var(--accent)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.wrap{max-width:var(--maxw);margin:0 auto;padding-inline:16px}
header.site{border-bottom:1px solid var(--line);background:var(--card)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-block:12px}
.brand{font-weight:700;color:var(--ink);text-decoration:none;letter-spacing:.2px}
nav.top a{margin-left:14px;font-size:14px;color:var(--muted)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(28px,4.5vw,40px);margin-top:28px}
h2{font-size:clamp(22px,3vw,28px);margin-top:40px}
h3{font-size:19px}
.lede{font-size:18px;color:var(--muted);max-width:760px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px}
.grid-in{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px}
fieldset{border:1px solid var(--line);border-radius:var(--radius);padding:12px 14px 6px;margin:0;min-width:0}
legend{font-weight:700;padding:0 6px;font-size:15px}
.f{margin-bottom:12px}
.f label{display:block;font-size:14px;font-weight:600;margin-bottom:4px}
.f .hint{display:block;font-size:12.5px;color:var(--muted);font-weight:400;margin-top:3px}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;font-size:16px;padding:9px 10px;border:1px solid var(--line);border-radius:8px;background:var(--bg);color:var(--ink)}
.pre{position:relative}.pre span{position:absolute;left:10px;top:50%;transform:translateY(-50%);color:var(--muted);pointer-events:none}
.pre input{padding-left:22px}
.suf{position:relative}.suf span{position:absolute;right:10px;top:50%;transform:translateY(-50%);color:var(--muted);pointer-events:none}
.seg{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:10px}
.seg label{display:flex;align-items:center;gap:6px;font-size:14px;border:1px solid var(--line);border-radius:999px;padding:5px 12px;cursor:pointer}
.derived{font-size:14px;color:var(--muted);margin:4px 0 10px}
.results{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:18px}
@media (max-width:820px){.results{grid-template-columns:1fr}}
.col{background:var(--card);border:1px solid var(--line);border-top:5px solid var(--c);border-radius:var(--radius);padding:16px}
.col.cash{--c:var(--c-cash)}.col.sf{--c:var(--c-sf)}.col.st{--c:var(--c-st)}
.col h3{margin-bottom:2px}
.col .sub{font-size:13px;color:var(--muted);margin:0 0 10px}
dl.m{margin:0}
dl.m div{display:flex;justify-content:space-between;gap:10px;padding:7px 0;border-bottom:1px solid var(--soft)}
dl.m dt{font-size:14px;color:var(--muted)}
dl.m dd{margin:0;font-weight:700;font-variant-numeric:tabular-nums;text-align:right;white-space:nowrap}
dl.m div.big dd{font-size:19px}
.worth{margin:10px 0 0;font-size:14px;background:var(--soft);border-radius:8px;padding:8px 10px}
.notes{font-size:14px;margin:12px 0 0;padding-left:18px;color:var(--ink)}
.notes li{margin-bottom:5px}
.pros{color:var(--good);font-weight:700}.cons{color:var(--bad);font-weight:700}
.banner{background:var(--warn-bg);border:1px solid var(--line);border-left:4px solid var(--warn);border-radius:8px;padding:10px 12px;font-size:14px;margin-top:12px}
.whatif{margin-top:18px}
.whatif .row{display:flex;gap:12px;align-items:center;flex-wrap:wrap}
.whatif .row label{font-weight:600}
.whatif select{width:auto}
.spike{margin-top:12px}
.bars{display:flex;align-items:flex-end;gap:4px;height:130px;padding:8px 0 0;border-bottom:1px solid var(--line);overflow-x:auto}
.bars .b{flex:1 0 18px;min-width:18px;display:flex;flex-direction:column;justify-content:flex-end;align-items:center;height:100%}
.bars .b i{display:block;width:100%;background:var(--c-sf);border-radius:3px 3px 0 0}
.bars .b.hot i{background:var(--bad)}
.bars .b.off i{background:var(--line)}
.bars.lab{height:auto;border:0;padding-top:2px;align-items:flex-start}.bars.lab span{flex:1 0 18px;min-width:18px;text-align:center;font-size:11px;color:var(--muted)}
.tbl{overflow-x:auto;margin-top:10px}
table{border-collapse:collapse;width:100%;font-size:14px;font-variant-numeric:tabular-nums}
th,td{padding:6px 8px;border-bottom:1px solid var(--soft);text-align:right;white-space:nowrap}
th:first-child,td:first-child{text-align:left}
th{font-weight:700;color:var(--muted);font-size:12.5px}
tr.hot td{background:var(--warn-bg)}
details{margin-top:14px}
summary{cursor:pointer;font-weight:700}
.muted{color:var(--muted)}
.small{font-size:13px}
.faq details{border-bottom:1px solid var(--line);padding:10px 0;margin:0}
.faq summary{font-family:Georgia,"Times New Roman",serif;font-size:18px;font-weight:600}
.faq p{margin:.6em 0 .2em}
.btn{display:inline-block;background:var(--accent);color:var(--accent-ink);border:0;border-radius:8px;padding:12px 18px;font:inherit;font-weight:700;cursor:pointer;text-decoration:none}
.btn[disabled]{opacity:.6;cursor:wait}
.lead-box{max-width:640px}
.agent-line{font-size:14px;background:var(--soft);border-radius:8px;padding:10px 12px;margin:12px 0}
.consent{font-size:12.5px;color:var(--muted);margin:8px 0 0}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.status{margin-top:10px;font-size:14px}
footer.site{margin-top:56px;border-top:1px solid var(--line);background:var(--card);font-size:13.5px;color:var(--muted)}
footer.site .wrap{padding-block:20px}
footer.site p{margin:.4em 0}
.prose{max-width:780px}
.prose h2{font-size:22px;margin-top:30px}
.prose li{margin-bottom:6px}
.two{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px}
.cover{aspect-ratio:2/3;max-width:260px;width:100%;border-radius:6px;background:linear-gradient(180deg,#0f3550 0%,#1c5a86 55%,#6aa6c9 100%);color:#fff;padding:22px 18px;display:flex;flex-direction:column;justify-content:space-between;box-shadow:0 10px 30px rgba(0,0,0,.18)}
.cover .t{font-family:Georgia,serif;font-size:28px;font-weight:700;line-height:1.1}
.cover .s{font-size:13px;opacity:.95;margin-top:8px}
.cover .a{font-size:14px;font-weight:700;letter-spacing:.5px}
.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
nav.top a:first-child{margin-left:0}
@media (max-width:680px){.cover{max-width:180px}}