:root{--navy:#102a43;--blue:#176b87;--teal:#2c8c88;--mint:#e9f6f3;--sky:#edf6fa;--ink:#1c2b36;--muted:#526674;--line:#d7e2e7;--paper:#fff;--sand:#f7f5ef;--max:1160px;--radius:18px;--shadow:0 18px 45px rgba(16,42,67,.09)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--paper);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65}a{color:var(--blue)}.container{width:min(calc(100% - 2rem),var(--max));margin-inline:auto}.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.7rem 1rem;z-index:99}.skip-link:focus{left:1rem;top:1rem}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid 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var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.hero-panel{padding:1.5rem}.cost-bars{display:grid;gap:1rem;margin-top:1.3rem}.cost-row{display:grid;grid-template-columns:90px 1fr 52px;gap:.75rem;align-items:center;font-size:.82rem}.bar{height:10px;background:#e7eef1;border-radius:999px;overflow:hidden}.bar span{display:block;height:100%;border-radius:inherit;background:linear-gradient(90deg,var(--teal),var(--blue))}.trust-strip{border-block:1px solid var(--line);background:#fff}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px}.trust-item{padding:1.4rem 1rem;text-align:center;color:var(--muted);font-size:.9rem}.trust-item strong{display:block;color:var(--navy);font-size:1rem}.section{padding:5rem 0}.section.alt{background:var(--sand)}.section.sky{background:var(--sky)}.section-head{max-width:760px;margin-bottom:2.3rem}.section-head h2,.content h2{margin:.2rem 0 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.8rem;background:#fff;color:var(--ink);font:inherit}textarea{min-height:140px}input:focus,select:focus,textarea:focus,button:focus,a:focus{outline:3px solid rgba(23,107,135,.28);outline-offset:2px}.tool-result{margin-top:1.3rem;padding:1.2rem;border-radius:12px;background:var(--mint);border-left:4px solid var(--teal)}.tool-result[hidden]{display:none}.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.metric{padding:1.2rem;border:1px solid var(--line);border-radius:14px;background:#fff}.metric span{display:block;color:var(--muted);font-size:.85rem}.metric strong{display:block;color:var(--navy);font-size:1.65rem}.fine-print{color:var(--muted);font-size:.83rem}.steps{counter-reset:steps;display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}.step{position:relative;padding:1.5rem;border-top:3px solid var(--teal);background:#fff}.step:before{counter-increment:steps;content:"0" 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2rem;background:var(--navy);color:#dbe7ed}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:2rem}.site-footer .brand{color:#fff}.site-footer h2{font-size:.95rem;color:#fff}.site-footer a{color:#dbe7ed;text-decoration:none}.site-footer ul{list-style:none;padding:0}.site-footer li{margin:.45rem 0}.footer-bottom{margin-top:3rem;padding-top:1.5rem;border-top:1px solid rgba(255,255,255,.15);font-size:.83rem;color:#b9cad3}.disclosure-bar{padding:.7rem 0;background:#0b2135;color:#cfe0e8;font-size:.78rem;text-align:center}@media(max-width:850px){.nav-toggle{display:block}.nav-list{display:none;position:absolute;top:110px;left:0;right:0;flex-direction:column;align-items:flex-start;padding:1rem 1.2rem 1.4rem;background:#fff;border-bottom:1px solid var(--line)}.nav-list.open{display:flex}.hero{padding:4rem 0}.hero-grid,.comparison-grid,.content-wrap{grid-template-columns:1fr}.hero-panel{max-width:600px}.grid-3,.steps{grid-template-columns:1fr 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