:root{--navy:#123f52;--navy2:#0b2d3a;--teal:#2d7877;--gold:#d4aa51;--sand:#f5f1e7;--mist:#eef4f4;--ink:#243238;--muted:#667085;--white:#fff;--danger:#b42318;--success:#18794e;--shadow:0 16px 44px rgba(18,63,82,.13)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}a{color:inherit}.skip-link{position:absolute;left:-9999px;top:8px;background:#fff;padding:10px;z-index:99}.skip-link:focus{left:8px}.site-header{height:82px;padding:0 max(24px,5vw);display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #dce7e8;background:#fff}.brand{text-decoration:none;display:flex;flex-direction:column}.brand__name{font-weight:800;letter-spacing:.12em;color:var(--navy)}.brand__claim{font-size:.75rem;color:var(--teal)}.header-link{color:var(--navy);font-weight:700;text-decoration:none}.hero{min-height:600px;padding:72px max(24px,7vw);display:grid;grid-template-columns:1.1fr .9fr;align-items:center;gap:44px;color:#fff;background:radial-gradient(circle at 80% 20%,rgba(212,170,81,.34),transparent 24%),linear-gradient(135deg,var(--navy2),var(--navy) 55%,var(--teal))}.hero__content{max-width:760px}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-weight:800;font-size:.78rem;color:var(--gold)}h1{font-size:clamp(2.5rem,5.5vw,5rem);line-height:1.03;margin:.2em 0}.hero__lead{font-size:clamp(1.05rem,2vw,1.35rem);max-width:680px}.hero__visual{min-height:380px;border-radius:24px;background:linear-gradient(160deg,rgba(255,255,255,.16),rgba(255,255,255,.03));position:relative;box-shadow:inset 0 0 0 1px rgba(255,255,255,.22)}.hero__visual:before,.hero__visual:after{content:"";position:absolute;border-radius:50%;border:1px solid rgba(255,255,255,.25)}.hero__visual:before{width:230px;height:230px;right:48px;top:34px}.hero__visual:after{width:150px;height:150px;left:42px;bottom:38px}.hero__card{position:absolute;left:12%;right:12%;bottom:12%;padding:24px;background:#fff;color:var(--navy);border-radius:14px;box-shadow:var(--shadow)}.hero__card span{display:block;color:var(--teal);font-size:.8rem;text-transform:uppercase;letter-spacing:.08em}.hero__card strong{font-size:1.35rem}.button{display:inline-flex;justify-content:center;align-items:center;min-height:48px;padding:12px 20px;border:0;border-radius:8px;font:inherit;font-weight:800;cursor:pointer;text-decoration:none}.button--gold{background:var(--gold);color:var(--navy2);margin-top:18px}.button--primary{background:var(--navy);color:#fff}.button--secondary{background:#e4eded;color:var(--navy)}.button:focus{outline:3px solid rgba(212,170,81,.45);outline-offset:2px}.button:disabled{opacity:.55;cursor:wait}.benefits{max-width:1180px;margin:-50px auto 70px;padding:0 24px;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;position:relative}.benefits article{background:#fff;padding:28px;border-radius:14px;box-shadow:var(--shadow)}.benefits article>span{color:var(--gold);font-weight:900}.benefits h2{font-size:1.15rem;color:var(--navy)}.calculator{max-width:1000px;margin:0 auto 90px;padding:clamp(24px,5vw,54px);background:#fff;border:1px solid #dce7e8;border-radius:18px;box-shadow:var(--shadow)}.calculator__intro{text-align:center;max-width:740px;margin:auto}.calculator__intro h2{font-size:clamp(1.8rem,4vw,3rem);color:var(--navy);margin:.2em 0}.progress{height:9px;margin-top:32px;background:#dfe9ea;border-radius:999px;overflow:hidden}.progress span{display:block;width:33.333%;height:100%;background:linear-gradient(90deg,var(--teal),var(--gold));transition:width .25s}.step-label{text-align:right;color:var(--muted);font-size:.85rem}.step{display:none}.step.is-active{display:block}.step h3{color:var(--navy);font-size:1.45rem}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.form-grid__full{grid-column:1/-1}label{display:flex;flex-direction:column;gap:7px;font-weight:700}input,select,textarea{width:100%;padding:13px 14px;border:1px solid #b7c8cb;border-radius:8px;font:inherit;color:var(--ink);background:#fff}input:focus,select:focus,textarea:focus{outline:3px solid rgba(45,120,119,.18);border-color:var(--teal)}.features{border:0;margin:24px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.features legend{font-weight:800;color:var(--navy);margin-bottom:10px}.features label,.consent{flex-direction:row;align-items:flex-start;font-weight:400}.features input,.consent input{width:auto;margin-top:4px}.actions{display:flex;justify-content:flex-end;gap:12px;margin-top:28px}.result{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.result-card{padding:20px;border-radius:12px;background:var(--mist);border:1px solid #dce7e8}.result-card--hero{grid-column:1/-1;background:var(--navy);color:#fff}.result-card span{display:block;color:var(--muted);font-size:.85rem}.result-card--hero span{color:#dbe8ea}.result-card strong{display:block;font-size:1.45rem;margin-top:4px}.result-method{grid-column:1/-1;color:var(--muted);font-size:.9rem}.consent{margin-top:18px}.consent a{text-decoration:underline}.error{margin-top:16px;padding:13px;border-radius:8px;background:#fef3f2;color:var(--danger)}.success{padding:28px;text-align:center;background:#ecfdf3;border:1px solid #abefc6;border-radius:12px;color:var(--success)}.legal{margin-top:28px;font-size:.78rem;color:var(--muted)}.honeypot{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}.site-footer{display:flex;flex-wrap:wrap;gap:20px;padding:34px max(24px,7vw);background:var(--navy2);color:#fff}.site-footer span{margin-right:auto}.site-footer a{color:#fff}.noscript{padding:20px;background:#fef3f2;color:var(--danger)}
@media(max-width:800px){.hero{grid-template-columns:1fr;min-height:unset}.hero__visual{min-height:260px}.benefits{grid-template-columns:1fr;margin-top:28px}.form-grid,.result{grid-template-columns:1fr}.form-grid__full{grid-column:auto}.features{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.site-header{height:auto;padding-top:16px;padding-bottom:16px;gap:12px}.header-link{font-size:.86rem}.hero{padding-top:48px;padding-bottom:48px}.hero__visual{display:none}.calculator{border-radius:0;border-left:0;border-right:0}.actions{flex-direction:column-reverse}.button{width:100%}.features{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}