:root{--bg: #f2f7f3;--panel: #fffdf8;--panel-strong: #e2f4eb;--ink: #17251f;--muted: #5b6b62;--line: #cbd8ce;--accent: #f15d3d;--accent-dark: #a73525;--teal: #0d9a8d;--teal-dark: #076d65;--gold: #f1b63d;--blue: #23647c;--blue-soft: #e2f1f7;--mint-soft: #edf8f2;--warm-soft: #fff1df;--shadow: 0 16px 44px rgba(23, 37, 31, .11);color-scheme:light;font-family:Avenir Next,Avenir,Segoe UI,sans-serif;font-size:16px}*{box-sizing:border-box}body{margin:0;background:radial-gradient(circle at 10% 0%,rgba(13,154,141,.13),transparent 30rem),radial-gradient(circle at 88% 9%,rgba(241,182,61,.17),transparent 28rem),linear-gradient(90deg,rgba(23,37,31,.04) 1px,transparent 1px),linear-gradient(rgba(23,37,31,.035) 1px,transparent 1px),var(--bg);background-size:42px 42px;color:var(--ink);line-height:1.6}a{color:inherit}button,input,select{font:inherit}main{min-height:72vh}.skip-link{position:absolute;left:1rem;top:-5rem;z-index:10;background:var(--ink);color:#fff;padding:.6rem .8rem}.skip-link:focus{top:1rem}.sr-only{position:absolute;width:1px;height:1px;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;padding:0}.site-header,.site-footer{width:min(1180px,calc(100% - 2rem));margin:0 auto}.site-header{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:1rem 0}.brand{display:inline-flex;align-items:center;gap:.75rem;text-decoration:none}.brand-mark{display:grid;width:2.5rem;height:2.5rem;place-items:center;border:2px solid var(--teal-dark);background:linear-gradient(135deg,var(--panel-strong),#d8f1ff);color:var(--teal-dark);font-weight:800}.brand strong,.brand small{display:block}.brand small,.site-footer,.eyebrow,.field small,.link-card small,.result-card span{color:var(--muted)}.site-header nav{display:flex;flex-wrap:wrap;justify-content:flex-end;gap:.35rem}.site-header nav a,.button{display:inline-flex;align-items:center;justify-content:center;min-height:2.5rem;padding:.62rem .9rem;border:1px solid var(--teal-dark);background:var(--ink);color:#fff;text-decoration:none;cursor:pointer;box-shadow:3px 3px #0d9a8d3d}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--blue);outline-offset:3px}.site-header nav a{background:transparent;color:var(--ink);box-shadow:none}.site-header nav a:hover{border-color:var(--teal);background:var(--mint-soft);color:var(--teal-dark)}.button--secondary{background:var(--panel);color:var(--ink)}.button:hover{transform:translateY(-1px);box-shadow:4px 4px #0d9a8d4d}.button-row,.chip-row{display:flex;flex-wrap:wrap;gap:.5rem}.hero,.page,.site-footer{width:min(1180px,calc(100% - 2rem))}.hero,.page{margin:0 auto}.hero{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(280px,.8fr);gap:1.5rem;align-items:stretch;padding:3rem 0 1.5rem}.hero-copy{padding:clamp(1.25rem,3vw,2.5rem) 0}.hero h1,.page-header h1{margin:0;max-width:920px;font-size:clamp(2.25rem,5vw,5.5rem);line-height:.95;letter-spacing:0;overflow-wrap:anywhere}.page-header h1{font-size:clamp(2rem,4vw,4.2rem)}.hero p,.page-header p{max-width:760px;font-size:1.1rem;color:#3e4c44}.hero-panel,.content-band,.calculator-form,.result-panel,.quote-summary,.assumption-box{border:1px solid var(--line);background:#fffdf7eb;box-shadow:var(--shadow)}.hero-panel{display:grid;align-content:center;padding:1.25rem}.hero-result{align-content:start;gap:.8rem}.hero-result>strong{font-size:clamp(3rem,8vw,6rem);line-height:.9}.hero-result>span{color:var(--muted);font-weight:800}.hero-result dl{display:grid;gap:.45rem;margin:0}.hero-result dl div{display:flex;justify-content:space-between;gap:1rem;border-bottom:1px solid var(--line);padding-bottom:.35rem}.hero-result dt,.hero-result dd{margin:0}.hero-result dd{font-weight:800}.stat-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.75rem}.stat{min-height:7rem;padding:1rem;border:1px solid var(--line);background:linear-gradient(135deg,var(--panel-strong),var(--blue-soft))}.stat strong{display:block;font-size:1.8rem;line-height:1}.section-heading{display:flex;align-items:center;justify-content:space-between;gap:1rem;margin-bottom:1rem}.section-heading h2,.content-band h2,.assumption-box h2,.related-links h2,.quote-summary h2{margin:0;font-size:1.35rem;line-height:1.2}.category-section,.related-links{margin:2rem auto}.trust-bar{display:flex;flex-wrap:wrap;gap:.5rem;margin:0 0 1.5rem}.trust-bar span{border:1px solid var(--line);background:var(--mint-soft);padding:.4rem .65rem;font-size:.9rem;font-weight:700}.trust-bar span:nth-child(2n){background:var(--blue-soft)}.trust-bar span:nth-child(3n){background:var(--warm-soft)}.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.85rem}.card-grid--compact{grid-template-columns:repeat(3,minmax(0,1fr))}.guide-card-grid{margin-top:1rem}.link-card{display:grid;gap:.55rem;min-height:10rem;padding:1rem;border:1px solid var(--line);background:var(--panel);text-decoration:none;transition:transform .14s ease,box-shadow .14s ease}.link-card:before{content:"";width:3rem;height:.28rem;background:var(--teal)}.link-card:nth-child(3n+2):before{background:var(--gold)}.link-card:nth-child(3n):before{background:var(--accent)}.link-card:hover{transform:translateY(-2px);box-shadow:5px 5px #0d9a8d3d}.link-card--primary{min-height:13rem;background:linear-gradient(145deg,#fffdf8,var(--warm-soft))}.link-card span{font-size:1.05rem;font-weight:800;line-height:1.25}.notice{margin:1rem 0 2rem;padding:1rem;border-left:5px solid var(--accent);background:var(--warm-soft)}.page{padding:1.5rem 0 3rem}.breadcrumbs{display:flex;flex-wrap:wrap;gap:.45rem;color:var(--muted);font-size:.92rem}.breadcrumbs a{color:var(--blue)}.page-header{padding:1.25rem 0 1.75rem}.eyebrow{margin:0 0 .45rem;text-transform:uppercase;letter-spacing:.08em;font-size:.76rem;font-weight:800}.calculator-shell{display:grid;gap:1rem}.calculator-workspace{display:grid;grid-template-columns:minmax(0,.95fr) minmax(320px,1.05fr);gap:1rem;align-items:start;min-width:0}.calculator-form,.result-panel,.quote-summary,.content-band,.assumption-box{padding:1rem}.manual-input-notice,.table-hint,.result-jump-note{margin:0 0 1rem;color:var(--muted);font-size:.94rem}.manual-input-notice{border-left:4px solid var(--teal);background:var(--mint-soft);padding:.75rem .85rem}.quick-answer{margin:1.25rem 0;padding:1rem 1.15rem;border:1px solid var(--line);border-left:4px solid var(--teal);background:var(--mint-soft);box-shadow:var(--shadow)}.quick-answer h2{margin:0 0 .4rem;font-size:.85rem;text-transform:uppercase;letter-spacing:.07em;color:var(--teal-dark)}.quick-answer p{margin:0;font-size:1.08rem;font-weight:600}.material-preset-panel{display:grid;gap:.45rem;margin:0 0 1rem;padding:.85rem;border:1px solid var(--line);background:var(--blue-soft)}.material-preset-panel label{font-weight:800}.material-preset-panel select{width:100%;min-height:2.8rem;border:1px solid var(--line);background:#fff;color:var(--ink);padding:.6rem .7rem}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem;margin-bottom:1rem}.quote-input-groups{display:grid;gap:.85rem;margin-bottom:1rem}.quote-input-group{--group-accent: var(--teal);margin:0;border:1px solid var(--line);border-top:5px solid var(--group-accent);background:#fff;padding:.95rem;box-shadow:0 10px 28px #17251f14}.quote-input-group[data-accent=orange]{--group-accent: var(--gold)}.quote-input-group[data-accent=red]{--group-accent: var(--accent)}.quote-input-group[data-accent=blue]{--group-accent: var(--blue)}.quote-input-group--muted{background:#fbfaf5;box-shadow:0 8px 22px #17251f0f}.quote-input-group legend,.quote-input-group-title{color:var(--ink);font-size:1.12rem;font-weight:850;line-height:1.2}.quote-input-group legend{margin-bottom:.8rem;padding:0}.quote-input-group--collapsible{padding:0;overflow:hidden}.quote-input-group--collapsible summary{position:relative;display:grid;gap:.22rem;min-height:4.15rem;cursor:pointer;list-style:none;padding:.85rem 2.6rem .85rem 1rem}.quote-input-group--collapsible summary::-webkit-details-marker{display:none}.quote-input-group--collapsible summary:after{position:absolute;top:50%;right:1rem;content:"›";color:var(--ink);font-size:1.65rem;line-height:1;transform:translateY(-50%);transition:transform .16s ease}.quote-input-group--collapsible[open] summary{border-bottom:1px solid var(--line)}.quote-input-group--collapsible[open] summary:after{transform:translateY(-50%) rotate(90deg)}.quote-input-group--collapsible fieldset{margin:0;border:0;padding:.95rem}.quote-input-group summary small{color:var(--muted);font-size:.88rem;line-height:1.35}.quote-group-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem}.field{display:grid;gap:.35rem}.field span{display:flex;align-items:center;justify-content:space-between;gap:.5rem;font-weight:700}.field em{color:var(--muted);font-size:.72rem;font-style:normal;font-weight:600}.field input,.field select{width:100%;min-height:2.8rem;border:1px solid var(--line);background:#fff;color:var(--ink);padding:.6rem .7rem}.field input:focus,.field select:focus{border-color:var(--teal)}.field input[aria-invalid],.field select[aria-invalid]{border-color:var(--accent);outline:2px solid rgba(214,75,50,.16)}.field-error{min-height:1.1rem;color:var(--accent-dark);font-weight:700}.result-panel{position:sticky;top:1rem;z-index:1}.result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.75rem;margin-bottom:1rem}.result-card{display:grid;gap:.45rem;min-height:6.5rem;padding:.9rem;border:1px solid var(--line);background:#fff;border-top:4px solid var(--blue)}.result-card--featured{grid-column:1 / -1;border-color:var(--ink);border-top-color:var(--gold);background:linear-gradient(135deg,rgba(13,154,141,.26),transparent 55%),var(--ink);color:#fff;min-height:8.25rem}.result-card--featured span{color:#d9e0d7}.result-card strong{font-size:1.55rem;line-height:1.1;overflow-wrap:anywhere}.result-card--featured strong{font-size:clamp(2.1rem,4vw,3.4rem)}.quote-mobile-sticky-quote{display:none}.result-breakdown{margin-bottom:1rem;border:1px solid var(--line);background:#fbfaf5;padding:.8rem}.result-breakdown h3{margin:0 0 .5rem;font-size:1rem}.assumption-box ul,.content-band ol,.content-band ul{margin-bottom:0;padding-left:1.25rem}@media(min-width:768px){.calculator-shell~.content-band>p,.calculator-shell~.content-band>ol,.calculator-shell~.content-band>ul,.guide-page .content-band>p,.guide-page .content-band>ol,.guide-page .content-band>ul,.guide-page .assumption-box>ul{max-width:70ch}}.quote-summary{position:relative;z-index:2;max-width:100%;min-width:0;overflow:hidden;border-top:5px solid var(--teal)}.quote-summary pre{max-width:100%;margin:0;overflow:auto;white-space:pre-wrap;overflow-wrap:anywhere;word-break:break-word;border:1px solid var(--line);background:#fbfaf5;padding:1rem;font-family:SF Mono,Menlo,Consolas,monospace;font-size:.92rem}.quote-plain-text-details{border:1px solid var(--line);background:#fbfaf5}.quote-plain-text-details summary{cursor:pointer;padding:.8rem 1rem;color:var(--ink);font-weight:800}.quote-plain-text-details pre{border:0;border-top:1px solid var(--line)}.code-block{margin:.8rem 0 0;overflow-x:auto;border:1px solid var(--line);background:#101b17;color:#f7fff9;padding:1rem;font-family:SF Mono,Menlo,Consolas,monospace;font-size:.92rem}.share-url-box{display:grid;gap:.25rem;min-width:0;margin-bottom:.8rem;padding:.8rem;border:1px solid var(--line);background:var(--blue-soft)}.share-url-box span{color:var(--muted);font-size:.85rem;font-weight:800}.share-url-box a{display:block;min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;color:var(--blue);font-family:SF Mono,Menlo,Consolas,monospace;font-size:.88rem}.quote-visual{margin-bottom:.8rem;border:1px solid var(--line);background:#fff;padding:1rem}.quote-visual dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.6rem 1rem;margin:0 0 .8rem}.quote-visual div{display:grid;gap:.2rem;border-bottom:1px solid var(--line);padding-bottom:.45rem}.quote-visual dt,.quote-visual dd{margin:0;overflow-wrap:anywhere}.quote-visual dt{color:var(--muted);font-size:.85rem}.quote-visual dd{font-weight:800}.quote-visual p{margin:0;color:var(--muted)}.shared-quote-page{max-width:860px}.share-quote-card{display:grid;gap:1rem;border:1px solid var(--line);border-top:6px solid var(--teal);background:var(--panel);box-shadow:var(--shadow);padding:clamp(1rem,3vw,2rem)}.share-quote-card h2{margin:0;font-size:clamp(1.8rem,4vw,3rem);line-height:1}.share-quote-total{display:block;width:fit-content;padding:.8rem 1rem;background:var(--ink);color:#fff;font-size:clamp(2.4rem,8vw,5rem);line-height:1}.share-quote-breakdown{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.7rem 1rem;margin:0}.share-quote-breakdown div{border-bottom:1px solid var(--line);padding-bottom:.45rem}.share-quote-breakdown dt,.share-quote-breakdown dd{margin:0}.share-quote-breakdown dt{color:var(--muted);font-size:.86rem}.share-quote-breakdown dd{font-weight:850}.powered-by{border-left:4px solid var(--accent);background:var(--warm-soft);margin:0;padding:.75rem .85rem}.powered-by a{color:var(--accent-dark);font-weight:850}.content-band,.assumption-box,.example-grid{margin-top:1rem}.example-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}table{width:100%;border-collapse:collapse}.table-scroll{overflow-x:auto}th,td{border-bottom:1px solid var(--line);padding:.7rem .5rem;text-align:left;vertical-align:top}th{width:45%}.faq-list{display:grid;gap:.6rem}details{border:1px solid var(--line);background:#fff;padding:.8rem}summary{cursor:pointer;font-weight:800}.chip-row span{display:inline-flex;min-height:2rem;align-items:center;border:1px solid var(--line);background:#fff;padding:.35rem .6rem}.site-footer{padding:2rem 0;border-top:1px solid var(--line)}.email-capture{display:grid;gap:.55rem;max-width:42rem;margin-top:1rem;padding:1rem;border:1px solid var(--line);background:var(--panel)}.email-capture label{color:var(--ink);font-weight:800}.email-capture div{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:.5rem}.email-capture input{min-height:2.7rem;border:1px solid var(--line);padding:.6rem .7rem}.email-capture p{margin:0;font-size:.9rem}@media(max-width:860px){.site-header,.hero,.section-heading,.calculator-workspace,.example-grid{grid-template-columns:1fr}.site-header{display:grid;align-items:start}.site-header nav{justify-content:flex-start}.card-grid,.card-grid--compact,.card-grid--featured,.email-capture div,.form-grid,.result-grid,.quote-visual dl,.share-quote-breakdown,.stat-grid{grid-template-columns:1fr}.result-panel{position:static;z-index:auto}.hero h1,.page-header h1{font-size:2.2rem;line-height:1}}@media(max-width:520px){.site-header,.hero,.page,.site-footer{width:min(390px,calc(100% - 2rem));margin-left:1rem;margin-right:auto}.site-header{gap:.55rem;padding:.65rem 0 .35rem}.brand{gap:.55rem}.brand-mark{width:2rem;height:2rem}.brand small{display:none}.button,.button-row{width:100%}.site-header nav{display:flex;flex-wrap:wrap;width:100%;gap:.35rem;padding-bottom:.2rem}.site-header nav a{width:auto;min-width:0;min-height:2.05rem;flex:0 1 auto;padding:.42rem .58rem;font-size:.86rem;white-space:nowrap;box-shadow:none}.hero h1,.page-header h1{font-size:1.85rem}.page-header{padding:.8rem 0 1rem}.page-header p{margin-bottom:0;font-size:.98rem;line-height:1.45}.breadcrumbs{gap:.32rem;font-size:.84rem}.calculator-form,.result-panel,.quote-summary,.content-band,.assumption-box{padding:.85rem}.manual-input-notice{margin-bottom:.7rem;padding:.55rem .65rem;font-size:.86rem;line-height:1.45}.material-preset-panel{gap:.3rem;margin-bottom:.7rem;padding:.6rem}.material-preset-panel small{display:none}.quote-group-grid{grid-template-columns:1fr}.quote-input-groups{gap:.65rem}.quote-input-group{padding:.8rem}.quote-input-group legend,.quote-input-group-title{font-size:1.08rem}.quote-input-group--collapsible summary{min-height:4rem;padding:.76rem 2.4rem .76rem .85rem}.quote-input-group--collapsible fieldset{padding:.8rem}.quote-input-group summary small{font-size:.82rem}.calculator-shell--quote{padding-bottom:5.6rem}.quote-mobile-sticky-quote{position:fixed;right:0;bottom:0;left:0;z-index:20;display:flex;align-items:center;justify-content:space-between;gap:.9rem;padding:.85rem 1rem calc(.85rem + env(safe-area-inset-bottom));border-top:1px solid rgba(255,255,255,.16);background:linear-gradient(135deg,#064b34,#0b5b3f);color:#fff;box-shadow:0 -16px 34px #07231842}.quote-mobile-sticky-quote div{display:grid;gap:.1rem;min-width:0}.quote-mobile-sticky-quote span{color:#ffffffd1;font-size:.82rem;line-height:1.2}.quote-mobile-sticky-quote strong{color:#fff;font-size:1.45rem;line-height:1.05}.quote-mobile-sticky-quote .button{width:min(48%,12rem);min-height:3.2rem;border-color:#ffffffc7;background:transparent;color:#fff;box-shadow:none}}@media print{.site-header,.breadcrumbs,.calculator-form,.related-links,.content-band,.assumption-box,.button-row,.site-footer{display:none!important}body{background:#fff}.page,.hero{width:100%}.quote-summary{box-shadow:none;border:0;overflow:visible}.quote-visual,.share-quote-card{box-shadow:none;border-color:#999}.quote-summary pre{display:block!important;white-space:pre-wrap;border-color:#999}.quote-plain-text-details{border-color:#999}.quote-plain-text-details summary{display:none}.quote-plain-text-details:not([open])>pre{display:block!important}}
