:root{--navy:#0b1f3a;--navy-2:#13315c;--teal:#0f9d8f;--teal-d:#0b7d72;--gold:#c9a45c;--ink:#1d2939;--muted:#5b6778;--line:#e4e9f0;--bg:#f6f8fb;--white:#fff;--err:#b42318;--warn:#b54708;--ok:#067647;--r:16px;--sh:0 10px 30px rgba(11,31,58,.08);--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:'Heebo','Assistant',system-ui,sans-serif;color:var(--ink);background:var(--white);line-height:1.7;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block;height:auto}a{color:var(--teal-d)}
h1,h2,h3{font-family:'Heebo',sans-serif;line-height:1.25;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2rem,4.6vw,3.3rem);font-weight:800;letter-spacing:-.5px}h2{font-size:clamp(1.6rem,3vw,2.3rem);font-weight:800}h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;right:12px;top:-60px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px;z-index:200}.skip:focus{top:12px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
/* header */
.hdr{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;gap:20px;height:70px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.2rem}
.logo-mark{width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--navy),var(--navy-2));color:var(--gold);display:grid;place-items:center;font-weight:800}
.logo small{display:block;font-weight:500;font-size:.75rem;color:var(--muted);line-height:1}
.nav{margin-inline-start:auto;display:flex;gap:4px}.nav a{color:var(--ink);text-decoration:none;padding:8px 12px;border-radius:8px;font-weight:500}.nav a:hover,.nav a[aria-current]{background:var(--bg);color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--teal-d);color:#fff;border:0;border-radius:12px;padding:12px 22px;font:700 1rem 'Heebo',sans-serif;text-decoration:none;cursor:pointer;transition:transform .15s,background .15s,box-shadow .15s;box-shadow:0 6px 16px rgba(15,157,143,.25)}
.btn:hover{background:#085e56;transform:translateY(-1px)}.btn-ghost{background:transparent;color:var(--navy);border:2px solid var(--navy);box-shadow:none}.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 6px 16px rgba(201,164,92,.3)}.btn-gold:hover{background:#b8934b}
.menu-btn{display:none;background:none;border:0;padding:8px;cursor:pointer;margin-inline-start:auto}.menu-btn span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0}
@media(max-width:900px){.menu-btn{display:block}.hdr .btn{display:none}.nav{display:none;position:absolute;top:70px;inset-inline:0;background:#fff;flex-direction:column;padding:12px 20px;border-bottom:1px solid var(--line);box-shadow:var(--sh)}.nav.open{display:flex}.nav a{padding:12px}}
/* hero */
.hero{background:radial-gradient(1200px 500px at 80% -10%,rgba(15,157,143,.12),transparent),linear-gradient(180deg,#f3f6fb,#fff);padding:64px 0 72px;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;background:rgba(201,164,92,.15);color:#7a5c1f;font-weight:700;font-size:.9rem;padding:6px 14px;border-radius:99px;margin-bottom:16px}
.hero p.lead{font-size:1.2rem;color:var(--muted);max-width:40ch}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0}
.badges{display:flex;gap:18px;flex-wrap:wrap;list-style:none;padding:0;margin:20px 0 0;color:var(--navy);font-weight:600;font-size:.95rem}.badges li::before{content:'✓';color:var(--teal);font-weight:800;margin-inline-end:6px}
.portrait{position:relative;justify-self:center;width:min(380px,100%)}
.portrait::before{content:'';position:absolute;inset:24px -18px -18px 24px;background:linear-gradient(160deg,var(--navy),var(--navy-2));border-radius:200px 200px 28px 28px;z-index:0}
.portrait::after{content:'';position:absolute;width:90px;height:90px;border-radius:50%;border:3px solid var(--gold);top:-14px;left:-14px;opacity:.7}
.portrait img{position:relative;z-index:1;border-radius:200px 200px 28px 28px;aspect-ratio:4/5;object-fit:cover;object-position:50% 30%;width:100%;filter:contrast(1.04);box-shadow:var(--sh)}
.price-tag{position:absolute;z-index:2;bottom:22px;right:-16px;background:#fff;border-radius:14px;padding:12px 18px;box-shadow:var(--sh);text-align:center}.price-tag b{display:block;font-size:1.6rem;color:var(--navy);line-height:1.1}.price-tag span{font-size:.8rem;color:var(--muted)}
@media(max-width:900px){.hero{padding:36px 0 48px}.hero .wrap{grid-template-columns:1fr;gap:36px}.portrait{width:min(300px,82%)}.price-tag{right:-8px}}
/* sections */
section{padding:72px 0}.alt{background:var(--bg)}.sec-head{text-align:center;max-width:720px;margin:0 auto 40px}.sec-head p{color:var(--muted);font-size:1.1rem}
.grid{display:grid;gap:22px}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}.g2{grid-template-columns:repeat(2,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:1fr 1fr}}@media(max-width:600px){.g3,.g4,.g2{grid-template-columns:1fr}section{padding:52px 0}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:0 2px 6px rgba(11,31,58,.03);transition:transform .2s,box-shadow .2s}.card:hover{transform:translateY(-3px);box-shadow:var(--sh)}
.ico{width:48px;height:48px;border-radius:12px;background:rgba(15,157,143,.1);color:var(--teal-d);display:grid;place-items:center;font-size:1.4rem;margin-bottom:14px}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;position:relative;padding-top:56px}.steps li::before{content:counter(s);position:absolute;top:0;right:0;width:42px;height:42px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-weight:800;font-size:1.1rem}
.price-box{background:linear-gradient(150deg,var(--navy),var(--navy-2));color:#fff;border-radius:24px;padding:40px;display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}.price-box h2,.price-box h3{color:#fff}
.big-price{font-size:clamp(3rem,7vw,4.6rem);font-weight:800;color:var(--gold);line-height:1}.price-box ul{list-style:none;padding:0;margin:0}.price-box li{padding:8px 0;border-bottom:1px solid rgba(255,255,255,.12)}.price-box li::before{content:'✓ ';color:var(--gold);font-weight:800}
@media(max-width:800px){.price-box{grid-template-columns:1fr;padding:28px}}
table{border-collapse:collapse;width:100%}.cmp th,.cmp td{padding:14px;border-bottom:1px solid var(--line);text-align:right;vertical-align:top}.cmp thead th{background:var(--navy);color:#fff}.cmp thead th:first-child{border-radius:0 12px 0 0}.cmp thead th:last-child{border-radius:12px 0 0 0}.cmp td.good{color:var(--ok);font-weight:600}
.tbl-scroll{overflow-x:auto;border-radius:12px;border:1px solid var(--line);background:#fff}
details.faq{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 20px}details.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}details.faq summary::after{content:'+';font-size:1.4rem;color:var(--teal)}details.faq[open] summary::after{content:'−'}details.faq summary::-webkit-details-marker{display:none}
/* about */
.about{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:center}.about .portrait{width:min(320px,100%)}@media(max-width:900px){.about{grid-template-columns:1fr}}
.note{font-size:.88rem;color:var(--muted);border-inline-start:3px solid var(--gold);padding-inline-start:12px}
/* forms */
.form-card{background:#fff;border-radius:20px;padding:30px;box-shadow:var(--sh);border:1px solid var(--line)}
.field{margin-bottom:16px}.field label{display:block;font-weight:600;margin-bottom:6px;color:var(--navy)}.req{color:var(--err)}
input,select,textarea{width:100%;font:inherit;padding:12px 14px;border:1.5px solid #cdd5df;border-radius:10px;background:#fff;color:var(--ink)}input:focus,select:focus,textarea:focus{border-color:var(--teal);outline:3px solid rgba(15,157,143,.2);outline-offset:0}
.field .err{color:var(--err);font-size:.88rem;min-height:1.2em;margin-top:4px}[aria-invalid=true]{border-color:var(--err)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.93rem}.check input{width:20px;height:20px;margin-top:4px;flex:none}
.form-status{margin-top:12px;font-weight:600}
.contact-split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}@media(max-width:900px){.contact-split{grid-template-columns:1fr}}
/* footer */
.ftr{background:var(--navy);color:#c9d3e0;padding:52px 0 28px;font-size:.95rem}.ftr a{color:#fff}.ftr h3{color:#fff;font-size:1.05rem}.ftr .grid{grid-template-columns:2fr 1fr 1fr}.ftr ul{list-style:none;padding:0;margin:0}.ftr li{margin:6px 0}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;font-size:.83rem;color:#9fb0c6}
@media(max-width:700px){.ftr .grid{grid-template-columns:1fr}}
.wa{position:fixed;bottom:20px;left:20px;z-index:150;width:58px;height:58px;border-radius:50%;background:#25d366;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.2);transition:transform .2s}.wa:hover{transform:scale(1.07)}.wa svg{width:30px;height:30px;fill:#fff}
/* reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s,transform .6s}.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}*{transition:none!important}}
/* page head */
.page-head{background:linear-gradient(150deg,var(--navy),var(--navy-2));color:#fff;padding:56px 0 48px}.page-head h1{color:#fff}.page-head p{color:#c9d3e0;font-size:1.15rem;max-width:60ch}
.crumbs{font-size:.9rem;margin-bottom:10px;color:#9fb0c6}.crumbs a{color:#fff}
/* calculator */
.calc{display:grid;grid-template-columns:400px 1fr;gap:28px;align-items:start}@media(max-width:1000px){.calc{grid-template-columns:1fr}}
.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:0 2px 8px rgba(11,31,58,.04)}.panel h2{font-size:1.25rem}
.rng{margin-bottom:18px}.rng-top{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:6px}.rng-top label{font-weight:600;color:var(--navy)}
.rng-top input{width:150px;text-align:left;direction:ltr;padding:8px 10px;font-weight:700}
input[type=range]{padding:0;border:0;height:28px;accent-color:var(--teal);background:transparent}
.seg{display:flex;background:var(--bg);border-radius:12px;padding:4px;gap:4px;flex-wrap:wrap}.seg label{flex:1;text-align:center;cursor:pointer;padding:9px 8px;border-radius:9px;font-weight:600;font-size:.93rem;color:var(--muted);min-width:90px}.seg input{position:absolute;opacity:0;width:1px}.seg input:checked+span{color:var(--navy)}.seg label:has(input:checked){background:#fff;box-shadow:0 1px 4px rgba(0,0,0,.08);color:var(--navy)}.seg label:has(input:focus-visible){outline:3px solid var(--gold)}
.ltv{border-radius:12px;padding:12px 14px;margin:6px 0 16px;font-weight:600;font-size:.95rem}.ltv.ok{background:#ecfdf3;color:var(--ok)}.ltv.err{background:#fef3f2;color:var(--err)}
.bar{height:8px;background:var(--line);border-radius:9px;overflow:hidden;margin-top:6px}.bar i{display:block;height:100%;background:var(--teal)}.bar.over i{background:var(--err)}
.track{display:grid;grid-template-columns:1fr 78px 78px 78px;gap:8px;align-items:center;padding:10px 0;border-bottom:1px dashed var(--line)}.track .tn{font-weight:600;font-size:.95rem}.track .tn small{display:block;color:var(--muted);font-weight:400;font-size:.78rem}.track input{padding:7px 6px;text-align:center;direction:ltr;font-size:.95rem}.track-head{font-size:.78rem;color:var(--muted);font-weight:600;border:0;padding-bottom:0}
@media(max-width:480px){.track{grid-template-columns:1fr 64px 64px 64px}}
.mixbar{display:flex;height:14px;border-radius:9px;overflow:hidden;margin:12px 0;background:var(--line)}.mixbar span{transition:width .3s}
.issues{list-style:none;padding:0;margin:10px 0 0;font-size:.9rem}.issues li{padding:8px 12px;border-radius:10px;margin-bottom:6px}.issues .err{background:#fef3f2;color:var(--err)}.issues .ok{background:#ecfdf3;color:var(--ok)}
.kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.kpi{background:var(--bg);border-radius:14px;padding:16px}.kpi span{font-size:.85rem;color:var(--muted);display:block}.kpi b{font-size:1.5rem;color:var(--navy);direction:ltr;display:inline-block}.kpi.main{background:linear-gradient(150deg,var(--navy),var(--navy-2))}.kpi.main span{color:#c9d3e0}.kpi.main b{color:#fff;font-size:1.9rem}
@media(max-width:640px){.kpis{grid-template-columns:1fr 1fr}}
.chart-box{position:relative;height:280px;margin-top:10px}
.amort th,.amort td{padding:8px 10px;border-bottom:1px solid var(--line);text-align:right;font-size:.9rem;white-space:nowrap}.amort thead th{background:var(--bg);position:sticky;top:0}.amort-wrap{max-height:420px;overflow:auto;border:1px solid var(--line);border-radius:12px}
.cmp-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}@media(max-width:900px){.cmp-grid{grid-template-columns:1fr}}
.mixcard{border:2px solid var(--line);border-radius:16px;padding:18px;background:#fff}.mixcard h3{display:flex;justify-content:space-between}.mixcard dl{display:grid;grid-template-columns:1fr auto;gap:6px 10px;margin:12px 0 0;font-size:.93rem}.mixcard dd{margin:0;font-weight:700;direction:ltr;text-align:left}.mixcard .best{color:var(--ok);background:#ecfdf3;border-radius:6px;padding:0 6px}.mixcard .worst{color:var(--err)}.mixcard.win{border-color:var(--teal)}
.chip{font-size:.75rem;background:var(--bg);color:var(--muted);padding:2px 10px;border-radius:99px;font-weight:600}
.toggle-row{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-top:12px}
/* articles */
.filters{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-bottom:30px}.filters button{font:600 .95rem 'Heebo';border:1.5px solid var(--line);background:#fff;color:var(--navy);border-radius:99px;padding:8px 18px;cursor:pointer}.filters button[aria-pressed=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.acard{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:transform .2s,box-shadow .2s}.acard:hover{transform:translateY(-4px);box-shadow:var(--sh)}.acard img{aspect-ratio:16/10;object-fit:cover;width:100%}.acard .b{padding:18px 20px 22px}.acard h3{font-size:1.12rem}.acard p{color:var(--muted);font-size:.95rem;margin:0}.cat{font-size:.8rem;font-weight:700;color:var(--teal-d);margin-bottom:6px;display:block}
.article{max-width:760px;margin:0 auto;padding:48px 20px}.article .hero-img{border-radius:18px;margin:0 0 28px;aspect-ratio:16/9;object-fit:cover;width:100%}.article h2{font-size:1.6rem;margin-top:1.6em}.article h3{margin-top:1.2em}.article ul,.article ol{padding-inline-start:1.3em}.article li{margin:.3em 0}
.meta{color:#c9d3e0;font-size:.92rem}.callout{background:var(--bg);border-radius:14px;padding:20px 22px;border-inline-start:4px solid var(--teal);margin:24px 0}.cta-box{background:linear-gradient(150deg,var(--navy),var(--navy-2));color:#fff;border-radius:18px;padding:28px;margin:36px 0;text-align:center}.cta-box h2{color:#fff;margin-top:0}.cta-box .cta{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}
.prose{max-width:800px;margin:0 auto}
/* accessibility toolbar */
.a11y{position:fixed;bottom:20px;right:20px;z-index:160}.a11y-toggle{width:54px;height:54px;border-radius:50%;border:0;background:#1652b8;color:#fff;cursor:pointer;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.2)}
.a11y-panel{position:absolute;bottom:64px;right:0;width:260px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px;box-shadow:var(--sh);display:grid;gap:6px}.a11y-panel[hidden]{display:none}.a11y-panel h2{font-size:1.1rem;margin:0 0 4px}
.a11y-panel button{font:600 .95rem 'Heebo',sans-serif;text-align:right;padding:9px 12px;border-radius:9px;border:1.5px solid var(--line);background:#fff;color:var(--ink);cursor:pointer}.a11y-panel button[aria-pressed=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.a11y-fs{display:flex;align-items:center;justify-content:space-between;gap:8px}.a11y-fs button{flex:1;text-align:center}.a11y-panel a{text-align:center;font-size:.9rem}
html.a11y-contrast body{background:#000;color:#fff}html.a11y-contrast :is(.card,.panel,.form-card,.acard,.mixcard,details.faq,.kpi,.hdr,.nav,.tbl-scroll,.callout,.a11y-panel,.hero,.alt,input,select,textarea,.amort thead th,.seg,.seg label){background:#000!important;color:#fff!important;border-color:#fff!important}
html.a11y-contrast :is(h1,h2,h3,p,li,dt,dd,b,span,label,summary,td,th,.kpi b,.logo){color:#fff!important}html.a11y-contrast a{color:#ffeb3b!important}html.a11y-contrast .btn{background:#ffeb3b!important;color:#000!important}
html.a11y-gray body{filter:grayscale(1)}
html.a11y-links a{text-decoration:underline!important;text-decoration-thickness:2px!important;background:#fff59d!important;color:#000!important}
html.a11y-readable body,html.a11y-readable *{font-family:Arial,Helvetica,sans-serif!important;letter-spacing:.02em;word-spacing:.08em}html.a11y-readable body{line-height:1.9}
html.a11y-still *,html.a11y-still *::before,html.a11y-still *::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}html.a11y-still .reveal{opacity:1;transform:none}
html.a11y-focus :focus{outline:4px solid #ff6f00!important;outline-offset:3px!important;box-shadow:0 0 0 7px rgba(255,111,0,.25)!important}
.calc>div{min-width:0}.panel{min-width:0}
.mixcard h3{display:block}.mixcard h3 .chip{display:block;margin-top:6px;font-weight:500;line-height:1.5;padding:6px 10px;border-radius:10px;width:fit-content}
@media(max-width:600px){.wa{width:50px;height:50px;bottom:14px;left:14px}.a11y{bottom:14px;right:14px}.a11y-toggle{width:48px;height:48px}.cmp-grid{grid-template-columns:1fr!important}.kpi b{font-size:1.2rem}.kpi.main b{font-size:1.5rem}}