@font-face {
    font-family: "Lotse Sans";
    src: local("Arial");
    font-display: swap;
}

:root {
    --ink: #18302f;
    --muted: #647573;
    --cream: #fbf7f0;
    --paper: #fffdf9;
    --teal: #0d625d;
    --teal-dark: #084945;
    --teal-light: #d8efea;
    --coral: #ef765f;
    --coral-light: #ffdbca;
    --line: #d9ded9;
    --white: #fff;
    --shadow: 0 24px 70px rgba(17, 66, 62, .11);
    --radius: 26px;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    color: var(--ink);
    background: var(--cream);
    font-family: "Lotse Sans", Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-size: 16px;
    line-height: 1.55;
    -webkit-font-smoothing: antialiased;
}

a {
    color: inherit;
    text-underline-offset: 3px;
}

button,
input,
select {
    font: inherit;
}

.icon {
    width: 1.25em;
    height: 1.25em;
    flex: 0 0 auto;
}

.shell {
    width: min(1180px, calc(100% - 44px));
    margin-inline: auto;
}

.narrow {
    width: min(790px, calc(100% - 44px));
}

.skip-link {
    position: fixed;
    z-index: 100;
    top: 8px;
    left: 8px;
    padding: 10px 14px;
    color: var(--white);
    background: var(--teal);
    transform: translateY(-150%);
}

.skip-link:focus {
    transform: translateY(0);
}

.site-header {
    position: relative;
    z-index: 10;
    color: var(--teal-dark);
    background: var(--cream);
    border-bottom: 1px solid rgba(13, 98, 93, .12);
}

.header-inner {
    min-height: 82px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 28px;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: 11px;
    color: var(--teal-dark);
    text-decoration: none;
    line-height: 1;
}

.brand-mark {
    width: 39px;
    height: 39px;
    display: grid;
    place-items: center;
    color: var(--coral-light);
    background: var(--teal);
    border-radius: 13px 13px 13px 5px;
}

.brand-mark .icon {
    width: 24px;
    height: 24px;
    stroke-width: 2.2;
}

.brand > span:last-child {
    font-size: 17px;
    letter-spacing: -.035em;
}

.brand b {
    font-weight: 760;
}

.brand em {
    color: var(--coral);
    font-style: normal;
    font-weight: 650;
}

.site-header nav {
    display: flex;
    align-items: center;
    gap: 31px;
}

.site-header nav a {
    position: relative;
    color: #3a504e;
    font-size: 14px;
    font-weight: 660;
    text-decoration: none;
}

.site-header nav a::after {
    position: absolute;
    right: 50%;
    bottom: -9px;
    left: 50%;
    height: 2px;
    background: var(--coral);
    content: "";
    transition: .18s;
}

.site-header nav a:hover::after,
.site-header nav a[aria-current="page"]::after {
    right: 0;
    left: 0;
}

.header-cta,
.button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 9px;
    border: 0;
    border-radius: 999px;
    text-decoration: none;
    font-weight: 740;
}

.header-cta {
    padding: 12px 18px;
    color: var(--white);
    background: var(--teal);
    font-size: 13px;
}

.header-cta:hover,
.button.primary:hover {
    background: var(--teal-dark);
}

.header-cta .icon,
.button .icon,
.text-link .icon {
    width: 17px;
    transition: transform .18s;
}

.header-cta:hover .icon,
.button:hover .icon,
.text-link:hover .icon {
    transform: translateX(3px);
}

.hero {
    position: relative;
    min-height: 610px;
    overflow: hidden;
    background:
        radial-gradient(circle at 86% 5%, rgba(255, 255, 255, .52) 0 5%, transparent 5.3%),
        linear-gradient(108deg, var(--coral-light) 0 59%, #f7b8a3 59%);
}

.hero::before,
.hero::after {
    position: absolute;
    border: 1px solid rgba(13, 98, 93, .16);
    border-radius: 50%;
    content: "";
}

.hero::before {
    width: 440px;
    height: 440px;
    right: -140px;
    top: -165px;
}

.hero::after {
    width: 290px;
    height: 290px;
    right: -60px;
    bottom: -160px;
}

.hero-grid {
    min-height: 610px;
    display: grid;
    grid-template-columns: 1.04fr .96fr;
    align-items: center;
    gap: 70px;
    padding-block: 68px 76px;
}

.hero-copy {
    position: relative;
    z-index: 2;
    max-width: 620px;
}

.eyebrow {
    display: flex;
    align-items: center;
    gap: 9px;
    margin: 0 0 18px;
    color: var(--teal);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: .13em;
    text-transform: uppercase;
}

.eyebrow > span {
    width: 25px;
    height: 2px;
    background: currentColor;
}

h1,
h2,
h3,
p {
    margin-top: 0;
}

.hero h1,
.subhero h1,
.not-found h1 {
    margin-bottom: 22px;
    font-family: Georgia, "Times New Roman", serif;
    font-size: clamp(48px, 5.5vw, 76px);
    font-weight: 500;
    letter-spacing: -.055em;
    line-height: .98;
}

.hero .lead {
    max-width: 570px;
    margin-bottom: 30px;
    color: #425754;
    font-size: 19px;
    line-height: 1.55;
}

.hero-actions {
    display: flex;
    align-items: center;
    gap: 24px;
}

.button {
    min-height: 50px;
    padding: 14px 23px;
}

.button.primary {
    color: var(--white);
    background: var(--teal);
}

.text-link {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: var(--teal-dark);
    font-weight: 750;
}

.trust-list {
    display: flex;
    flex-wrap: wrap;
    gap: 18px;
    margin: 34px 0 0;
    padding: 0;
    list-style: none;
    color: #405654;
    font-size: 13px;
    font-weight: 650;
}

.trust-list li {
    display: flex;
    align-items: center;
    gap: 6px;
}

.trust-list .icon {
    width: 15px;
    color: var(--teal);
    stroke-width: 2.5;
}

.hero-visual {
    position: relative;
    z-index: 2;
    min-height: 410px;
    display: grid;
    place-items: center;
}

.visual-card {
    position: relative;
    z-index: 2;
    width: min(410px, 90%);
    padding: 36px;
    color: var(--white);
    background: var(--teal);
    border: 1px solid rgba(255, 255, 255, .3);
    border-radius: 34px 34px 34px 10px;
    box-shadow: 0 35px 80px rgba(9, 63, 59, .28);
    transform: rotate(-2.2deg);
}

.visual-label {
    display: block;
    margin-bottom: 11px;
    color: #bce5dd;
    font-size: 12px;
    font-weight: 750;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.visual-card > strong {
    display: block;
    font-family: Georgia, "Times New Roman", serif;
    font-size: 59px;
    font-weight: 500;
    letter-spacing: -.05em;
    line-height: 1;
}

.visual-card > small {
    display: block;
    margin-top: 7px;
    color: #c8e5df;
}

.visual-line {
    height: 7px;
    margin: 31px 0 27px;
    overflow: hidden;
    background: rgba(255, 255, 255, .15);
    border-radius: 10px;
}

.visual-line i {
    display: block;
    width: 79%;
    height: 100%;
    background: var(--coral-light);
    border-radius: inherit;
}

.visual-compare {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 10px 0;
    border-top: 1px solid rgba(255, 255, 255, .13);
    font-size: 14px;
}

.visual-compare b {
    font-size: 16px;
}

.visual-compare.accent b {
    color: #ffd0bd;
}

.visual-orbit {
    position: absolute;
    z-index: 3;
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px 16px;
    color: var(--teal-dark);
    background: var(--paper);
    border-radius: 18px;
    box-shadow: 0 15px 40px rgba(65, 65, 45, .13);
    font-size: 11px;
    font-weight: 740;
    line-height: 1.2;
}

.visual-orbit .icon {
    width: 25px;
    height: 25px;
    color: var(--coral);
}

.orbit-one {
    right: -2px;
    top: 40px;
}

.orbit-two {
    left: 10px;
    bottom: 36px;
}

.quick-facts {
    color: var(--white);
    background: var(--teal-dark);
}

.quick-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
}

.quick-grid article {
    min-height: 118px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 23px 30px;
    border-right: 1px solid rgba(255, 255, 255, .14);
}

.quick-grid article:first-child {
    border-left: 1px solid rgba(255, 255, 255, .14);
}

.quick-grid strong {
    color: var(--coral-light);
    font-family: Georgia, "Times New Roman", serif;
    font-size: 25px;
    font-weight: 500;
}

.quick-grid span {
    color: #c9dbd8;
    font-size: 12px;
}

.calculator-section {
    padding: 105px 0 92px;
    background:
        linear-gradient(rgba(13, 98, 93, .035) 1px, transparent 1px),
        linear-gradient(90deg, rgba(13, 98, 93, .035) 1px, transparent 1px),
        var(--cream);
    background-size: 42px 42px;
}

.section-intro {
    max-width: 720px;
    margin-bottom: 43px;
}

.section-intro h2 {
    margin-bottom: 15px;
    font-family: Georgia, "Times New Roman", serif;
    font-size: clamp(38px, 4.4vw, 58px);
    font-weight: 500;
    letter-spacing: -.045em;
    line-height: 1.05;
}

.section-intro > p:last-child {
    color: var(--muted);
    font-size: 17px;
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1.06fr .94fr;
    align-items: start;
    gap: 24px;
}

.calculator-card,
.result-card {
    overflow: hidden;
    border-radius: var(--radius);
    box-shadow: var(--shadow);
}

.calculator-card {
    padding: 31px;
    background: var(--paper);
    border: 1px solid #e6e4dd;
}

.card-head {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 28px;
}

.card-head > span:first-child {
    width: 42px;
    height: 42px;
    display: grid;
    place-items: center;
    color: var(--teal);
    background: var(--teal-light);
    border-radius: 14px 14px 14px 5px;
    font-size: 12px;
    font-weight: 850;
}

.card-head p {
    margin: 0 0 1px;
    color: var(--muted);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .09em;
    text-transform: uppercase;
}

.card-head h3 {
    margin: 0;
    font-size: 22px;
    line-height: 1.2;
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px;
}

.field {
    display: grid;
    gap: 7px;
}

.field > span:first-child,
.contribution-options legend {
    color: #415552;
    font-size: 12px;
    font-weight: 740;
}

.field input,
.field select {
    width: 100%;
    min-height: 51px;
    padding: 12px 14px;
    color: var(--ink);
    background: #f8f7f2;
    border: 1px solid #d8ddd8;
    border-radius: 12px;
    outline: none;
    font-weight: 650;
}

.field input:focus,
.field select:focus {
    border-color: var(--teal);
    box-shadow: 0 0 0 3px rgba(13, 98, 93, .12);
}

.input-unit {
    position: relative;
    display: block;
}

.input-unit input {
    padding-right: 56px;
}

.input-unit b {
    position: absolute;
    top: 50%;
    right: 14px;
    color: var(--muted);
    font-size: 12px;
    transform: translateY(-50%);
}

.contribution-options {
    display: grid;
    gap: 10px;
    margin: 24px 0 0;
    padding: 20px;
    background: #f4f8f6;
    border: 0;
    border-radius: 17px;
}

.contribution-options legend {
    float: left;
    width: 100%;
    margin-bottom: 7px;
}

.contribution-options label {
    display: flex;
    align-items: center;
    gap: 10px;
    cursor: pointer;
}

.contribution-options label > input,
.special-check input {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}

.contribution-options label > span {
    width: 23px;
    height: 23px;
    display: grid;
    place-items: center;
    color: transparent;
    background: var(--white);
    border: 1px solid #b9c7c3;
    border-radius: 7px;
}

.contribution-options input:checked + span {
    color: var(--white);
    background: var(--teal);
    border-color: var(--teal);
}

.contribution-options input:focus-visible + span,
.special-check input:focus-visible + span::before {
    outline: 3px solid rgba(13, 98, 93, .24);
    outline-offset: 2px;
}

.contribution-options .icon {
    width: 15px;
}

.contribution-options label > b {
    display: flex;
    justify-content: space-between;
    flex: 1;
    font-size: 13px;
}

.contribution-options em {
    color: var(--teal);
    font-style: normal;
}

.special-check {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    margin-top: 20px;
    color: #4d5e5b;
    cursor: pointer;
    font-size: 13px;
}

.special-check > span {
    display: flex;
    gap: 9px;
}

.special-check > span::before {
    width: 17px;
    height: 17px;
    flex: 0 0 auto;
    margin-top: 2px;
    background: var(--white);
    border: 1px solid #aebbb8;
    border-radius: 5px;
    content: "";
}

.special-check input:checked + span::before {
    background:
        linear-gradient(135deg, transparent 44%, white 44% 54%, transparent 54%) 3px 5px / 7px 7px no-repeat,
        linear-gradient(45deg, transparent 43%, white 43% 55%, transparent 55%) 7px 1px / 7px 13px no-repeat,
        var(--teal);
    border-color: var(--teal);
}

.special-note,
.accuracy-note,
.limiting-rule {
    display: flex;
    align-items: flex-start;
    gap: 11px;
}

.special-note {
    margin-top: 13px;
    padding: 13px 15px;
    color: #694437;
    background: #fff0e8;
    border-radius: 12px;
    font-size: 12px;
}

.special-note[hidden] {
    display: none;
}

.special-note p,
.limiting-rule span {
    margin: 0;
}

.special-note .icon {
    margin-top: 1px;
    color: var(--coral);
}

.form-error {
    min-height: 20px;
    margin: 12px 0 -8px;
    color: #a0392a;
    font-size: 12px;
    font-weight: 680;
}

.result-card {
    position: sticky;
    top: 20px;
    padding: 31px;
    color: var(--white);
    background:
        radial-gradient(circle at 93% 2%, rgba(255, 255, 255, .08) 0 12%, transparent 12.4%),
        var(--teal);
}

.card-head.light > span:first-child {
    color: var(--teal-dark);
    background: var(--coral-light);
}

.card-head.light p {
    color: #abd6cf;
}

.status-pill {
    margin-left: auto;
    padding: 6px 10px;
    color: #c7e6e1;
    background: rgba(255, 255, 255, .08);
    border: 1px solid rgba(255, 255, 255, .16);
    border-radius: 999px;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.main-result {
    padding: 11px 0 29px;
    border-bottom: 1px solid rgba(255, 255, 255, .15);
}

.main-result > span {
    display: block;
    margin-bottom: 3px;
    color: #b9ddd7;
    font-size: 13px;
}

.main-result strong {
    display: block;
    color: var(--coral-light);
    font-family: Georgia, "Times New Roman", serif;
    font-size: clamp(50px, 5vw, 68px);
    font-weight: 500;
    letter-spacing: -.05em;
    line-height: 1;
}

.main-result small {
    color: #b9d5d1;
}

.result-metrics {
    display: grid;
    grid-template-columns: 1fr 1fr;
    border-bottom: 1px solid rgba(255, 255, 255, .15);
}

.result-metrics > div {
    display: grid;
    gap: 3px;
    padding: 20px 0;
}

.result-metrics > div + div {
    padding-left: 25px;
    border-left: 1px solid rgba(255, 255, 255, .15);
}

.result-metrics span {
    color: #abd0ca;
    font-size: 11px;
}

.result-metrics i {
    font-style: normal;
}

.result-metrics b {
    font-size: 21px;
}

.gap-card {
    margin: 23px 0;
    padding: 18px;
    color: var(--ink);
    background: var(--paper);
    border-radius: 17px;
}

.gap-card > div {
    display: flex;
    justify-content: space-between;
    gap: 15px;
    padding: 2px 0 8px;
    font-size: 12px;
}

.gap-card > div:nth-child(2) b {
    color: #ba4e3b;
}

.gap-card > progress {
    height: 7px;
    width: 100%;
    display: block;
    margin: 5px 0 7px;
    padding: 0;
    overflow: hidden;
    appearance: none;
    background: #e4e9e5;
    border: 0;
    border-radius: 99px;
}

.gap-card > progress::-webkit-progress-bar {
    background: #e4e9e5;
    border-radius: 99px;
}

.gap-card > progress::-webkit-progress-value {
    background: var(--coral);
    border-radius: 99px;
}

.gap-card > progress::-moz-progress-bar {
    background: var(--coral);
    border-radius: 99px;
}

.gap-card small {
    color: var(--muted);
}

.result-breakdown h4 {
    margin: 0 0 9px;
    color: #b8d8d3;
    font-size: 11px;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.result-breakdown dl {
    margin: 0;
}

.result-breakdown dl > div {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    padding: 7px 0;
    border-bottom: 1px solid rgba(255, 255, 255, .09);
    font-size: 12px;
}

.result-breakdown dt {
    color: #c1d9d5;
}

.result-breakdown dd {
    margin: 0;
    font-weight: 750;
}

.result-breakdown .total {
    margin-top: 3px;
    color: var(--coral-light);
    border-bottom: 0;
    font-size: 14px;
}

.result-breakdown .total dt {
    color: inherit;
}

.limiting-rule {
    margin: 15px 0 0;
    padding-top: 15px;
    color: #b8d2ce;
    border-top: 1px solid rgba(255, 255, 255, .14);
    font-size: 11px;
}

.limiting-rule .icon {
    width: 16px;
    color: var(--coral-light);
}

.timeline-card {
    display: grid;
    grid-template-columns: 320px 1fr;
    align-items: center;
    gap: 55px;
    margin-top: 28px;
    padding: 31px;
    background: var(--paper);
    border: 1px solid #e6e4dd;
    border-radius: 23px;
    box-shadow: 0 18px 50px rgba(27, 78, 73, .07);
}

.timeline-copy h3 {
    margin-bottom: 8px;
    font-family: Georgia, "Times New Roman", serif;
    font-size: 27px;
    font-weight: 500;
    letter-spacing: -.025em;
    line-height: 1.1;
}

.timeline-copy > p:last-child {
    margin-bottom: 0;
    color: var(--muted);
    font-size: 12px;
}

.timeline-copy .eyebrow {
    margin-bottom: 10px;
}

.timeline {
    display: grid;
    grid-template-columns: auto 1fr auto 1fr auto;
    align-items: center;
}

.timeline-point {
    position: relative;
    min-width: 100px;
}

.timeline-point::before {
    width: 17px;
    height: 17px;
    display: block;
    margin-bottom: 9px;
    background: var(--paper);
    border: 5px solid var(--coral);
    border-radius: 50%;
    box-shadow: 0 0 0 3px var(--coral-light);
    content: "";
}

.timeline-point:not(.active)::before {
    border-color: var(--teal);
    box-shadow: 0 0 0 3px var(--teal-light);
}

.timeline-point b,
.timeline-point span,
.timeline-point small {
    display: block;
}

.timeline-point b {
    color: var(--teal);
    font-size: 11px;
    text-transform: uppercase;
}

.timeline-point span {
    font-size: 13px;
    font-weight: 800;
}

.timeline-point small {
    max-width: 110px;
    color: var(--muted);
    font-size: 10px;
}

.timeline-track {
    position: relative;
    align-self: start;
    margin: 8px 10px 0;
    text-align: center;
}

.timeline-track i {
    display: block;
    height: 2px;
    background: linear-gradient(90deg, var(--coral), var(--teal));
}

.timeline-track.last i {
    background: var(--teal);
}

.timeline-track span {
    color: var(--muted);
    font-size: 9px;
    text-transform: uppercase;
}

.explain-section {
    padding: 100px 0 110px;
    background: var(--paper);
}

.section-intro.split {
    max-width: none;
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 30px;
}

.section-intro.split h2 {
    max-width: 650px;
    margin-bottom: 0;
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.steps-grid article {
    position: relative;
    min-height: 230px;
    padding: 28px;
    overflow: hidden;
    background: var(--cream);
    border: 1px solid #e9e4da;
    border-radius: 21px;
}

.steps-grid article > span {
    display: inline-grid;
    width: 34px;
    height: 34px;
    place-items: center;
    color: var(--teal);
    background: var(--teal-light);
    border-radius: 11px 11px 11px 4px;
    font-size: 12px;
    font-weight: 800;
}

.steps-grid h3 {
    margin: 44px 0 10px;
    font-family: Georgia, "Times New Roman", serif;
    font-size: 24px;
    font-weight: 500;
}

.steps-grid p {
    margin: 0;
    color: var(--muted);
    font-size: 14px;
}

.accuracy-note {
    margin-top: 23px;
    padding: 27px 30px;
    color: var(--teal-dark);
    background: var(--coral-light);
    border-radius: 20px;
}

.accuracy-note > .icon {
    width: 31px;
    height: 31px;
    color: var(--teal);
}

.accuracy-note h3 {
    margin-bottom: 5px;
    font-size: 17px;
}

.accuracy-note p {
    margin: 0;
    color: #5e514d;
    font-size: 13px;
}

.subhero {
    padding: 92px 0 88px;
    background:
        radial-gradient(circle at 82% 0, rgba(255, 255, 255, .5) 0 9%, transparent 9.3%),
        var(--coral-light);
}

.subhero.compact {
    padding: 72px 0;
}

.subhero h1 {
    max-width: 780px;
    font-size: clamp(48px, 6.2vw, 78px);
}

.subhero p:last-child {
    max-width: 680px;
    margin-bottom: 0;
    color: #4a5b58;
    font-size: 19px;
}

.prose {
    max-width: 820px;
    padding-block: 75px 110px;
}

.prose section {
    margin-bottom: 72px;
}

.prose section:last-child {
    margin-bottom: 0;
}

.prose .chapter {
    margin-bottom: 10px;
    color: var(--coral);
    font-size: 11px;
    font-weight: 850;
    letter-spacing: .12em;
    text-transform: uppercase;
}

.prose h2 {
    margin-bottom: 18px;
    font-family: Georgia, "Times New Roman", serif;
    font-size: clamp(30px, 4vw, 43px);
    font-weight: 500;
    letter-spacing: -.035em;
    line-height: 1.1;
}

.prose p,
.prose li {
    color: #53625f;
    font-size: 17px;
    line-height: 1.75;
}

.formula {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 11px;
    margin-top: 26px;
    padding: 26px;
    color: var(--white);
    background: var(--teal);
    border-radius: 18px;
}

.formula b {
    color: var(--coral-light);
}

.formula i {
    font-style: normal;
}

.example {
    margin-top: 25px;
    padding: 25px;
    background: var(--paper);
    border: 1px solid var(--line);
    border-left: 5px solid var(--coral);
    border-radius: 8px 17px 17px 8px;
}

.example > span {
    display: block;
    margin-bottom: 12px;
    color: var(--muted);
    font-size: 12px;
    font-weight: 750;
    text-transform: uppercase;
}

.example p {
    margin-bottom: 5px;
    font-size: 14px;
}

.example strong {
    display: block;
    margin-top: 13px;
    color: var(--teal);
}

.rate-table {
    margin: 25px 0;
    overflow: hidden;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 16px;
}

.rate-table > div {
    display: grid;
    grid-template-columns: 1fr 180px;
    padding: 13px 18px;
    border-bottom: 1px solid var(--line);
}

.rate-table > div:first-child {
    color: var(--white);
    background: var(--teal);
    font-size: 12px;
}

.rate-table > div:last-child {
    border-bottom: 0;
}

.rate-table strong {
    color: var(--teal);
}

.sources {
    padding: 30px;
    background: #edf6f3;
    border-radius: 20px;
}

.sources ul {
    margin: 0;
    padding-left: 21px;
}

.sources li {
    margin: 8px 0;
    font-size: 14px;
}

.sources a {
    color: var(--teal);
    font-weight: 700;
}

.sources .source-date {
    margin: 21px 0 0;
    color: var(--muted);
    font-size: 12px;
}

.legal {
    max-width: 790px;
}

.legal section {
    margin-bottom: 42px;
}

.legal h2 {
    font-size: 29px;
}

.legal p {
    font-size: 16px;
}

.legal a {
    color: var(--teal);
}

.faq-list {
    max-width: 900px;
    padding-block: 75px 110px;
}

.faq-list details {
    background: var(--paper);
    border-bottom: 1px solid var(--line);
}

.faq-list details:first-child {
    border-top: 1px solid var(--line);
}

.faq-list summary {
    position: relative;
    padding: 25px 55px 25px 5px;
    cursor: pointer;
    list-style: none;
    font-family: Georgia, "Times New Roman", serif;
    font-size: 24px;
}

.faq-list summary::-webkit-details-marker {
    display: none;
}

.faq-list summary::before,
.faq-list summary::after {
    position: absolute;
    top: 38px;
    right: 14px;
    width: 18px;
    height: 2px;
    background: var(--teal);
    content: "";
}

.faq-list summary::after {
    transform: rotate(90deg);
    transition: transform .2s;
}

.faq-list details[open] summary::after {
    transform: rotate(0);
}

.faq-list details > div {
    max-width: 750px;
    padding: 0 55px 25px 5px;
    color: var(--muted);
}

.faq-list details p {
    margin: 0;
}

.faq-cta {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 25px;
    margin-top: 45px;
    padding: 25px 28px;
    background: var(--coral-light);
    border-radius: 18px;
}

.faq-cta > div {
    display: flex;
    align-items: center;
    gap: 12px;
}

.faq-cta .icon {
    color: var(--teal);
}

.faq-cta span {
    display: grid;
    font-size: 13px;
}

.not-found {
    min-height: 610px;
    display: grid;
    place-items: center;
    padding: 80px 0;
    text-align: center;
    background: var(--coral-light);
}

.not-found span {
    color: var(--coral);
    font-weight: 850;
    letter-spacing: .13em;
    text-transform: uppercase;
}

.not-found h1 {
    margin-top: 13px;
}

.not-found .button {
    margin-top: 10px;
}

.site-footer {
    color: #c7d9d6;
    background: #0a403d;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.6fr 1fr 1fr;
    gap: 70px;
    padding-block: 62px 48px;
}

.footer-brand {
    color: var(--white);
}

.footer-grid > div {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
}

.footer-grid p {
    margin: 10px 0 0;
    color: #99b8b3;
    font-size: 13px;
}

.footer-grid strong {
    margin-bottom: 7px;
    color: var(--coral-light);
    font-size: 12px;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.footer-grid a {
    color: #bdd1ce;
    font-size: 13px;
    text-decoration: none;
}

.footer-grid a:hover {
    color: var(--white);
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    padding-block: 18px;
    color: #86a9a4;
    border-top: 1px solid rgba(255, 255, 255, .12);
    font-size: 11px;
}

@media (max-width: 980px) {
    .site-header nav {
        display: none;
    }

    .hero-grid {
        grid-template-columns: 1fr 1fr;
        gap: 20px;
    }

    .hero h1 {
        font-size: 56px;
    }

    .calculator-grid {
        grid-template-columns: 1fr;
    }

    .result-card {
        position: static;
    }

    .timeline-card {
        grid-template-columns: 1fr;
        gap: 30px;
    }
}

@media (max-width: 760px) {
    .shell,
    .narrow {
        width: min(100% - 30px, 1180px);
    }

    .header-inner {
        min-height: 70px;
    }

    .header-cta {
        padding: 10px 13px;
        font-size: 0;
    }

    .header-cta .icon {
        width: 20px;
    }

    .hero {
        min-height: auto;
    }

    .hero-grid {
        min-height: auto;
        grid-template-columns: 1fr;
        padding-block: 54px 48px;
    }

    .hero h1,
    .subhero h1 {
        font-size: 47px;
    }

    .hero .lead {
        font-size: 17px;
    }

    .hero-actions {
        align-items: flex-start;
        flex-direction: column;
        gap: 15px;
    }

    .trust-list {
        gap: 10px 16px;
        margin-top: 27px;
    }

    .hero-visual {
        min-height: 370px;
    }

    .visual-card {
        width: calc(100% - 18px);
        padding: 27px;
        transform: rotate(-1deg);
    }

    .visual-card > strong {
        font-size: 50px;
    }

    .visual-orbit {
        display: none;
    }

    .quick-grid {
        grid-template-columns: 1fr 1fr;
    }

    .quick-grid article {
        min-height: 100px;
        padding: 17px;
        border-bottom: 1px solid rgba(255, 255, 255, .14);
    }

    .quick-grid article:nth-child(odd) {
        border-left: 1px solid rgba(255, 255, 255, .14);
    }

    .quick-grid strong {
        font-size: 21px;
    }

    .calculator-section,
    .explain-section {
        padding-block: 72px;
    }

    .section-intro h2 {
        font-size: 42px;
    }

    .calculator-card,
    .result-card {
        padding: 22px;
        border-radius: 21px;
    }

    .form-grid {
        grid-template-columns: 1fr;
    }

    .main-result strong {
        font-size: 52px;
    }

    .timeline-card {
        padding: 23px;
    }

    .timeline {
        grid-template-columns: 1fr;
        gap: 0;
    }

    .timeline-point {
        padding-left: 39px;
    }

    .timeline-point::before {
        position: absolute;
        top: 3px;
        left: 2px;
    }

    .timeline-track {
        min-height: 45px;
        margin: 2px 0 3px 10px;
        text-align: left;
    }

    .timeline-track i {
        width: 2px;
        height: 45px;
        background: linear-gradient(var(--coral), var(--teal));
    }

    .timeline-track span {
        position: absolute;
        top: 12px;
        left: 28px;
    }

    .section-intro.split {
        align-items: flex-start;
        flex-direction: column;
    }

    .steps-grid {
        grid-template-columns: 1fr;
    }

    .steps-grid article {
        min-height: 190px;
    }

    .steps-grid h3 {
        margin-top: 30px;
    }

    .subhero {
        padding-block: 67px;
    }

    .subhero p:last-child {
        font-size: 17px;
    }

    .prose {
        padding-block: 60px 80px;
    }

    .prose section {
        margin-bottom: 55px;
    }

    .formula {
        align-items: flex-start;
        flex-direction: column;
    }

    .rate-table > div {
        grid-template-columns: 1fr 110px;
    }

    .faq-list {
        padding-block: 55px 80px;
    }

    .faq-list summary {
        font-size: 21px;
    }

    .faq-cta {
        align-items: flex-start;
        flex-direction: column;
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 38px 25px;
    }

    .footer-grid > div:first-child {
        grid-column: 1 / -1;
    }
}

@media (max-width: 410px) {
    .brand > span:last-child {
        font-size: 15px;
    }

    .hero h1,
    .subhero h1 {
        font-size: 41px;
    }

    .main-result strong {
        font-size: 44px;
    }

    .result-metrics {
        grid-template-columns: 1fr;
    }

    .result-metrics > div + div {
        padding-left: 0;
        border-top: 1px solid rgba(255, 255, 255, .15);
        border-left: 0;
    }

    .quick-grid strong {
        font-size: 19px;
    }

    .footer-bottom {
        align-items: flex-start;
        flex-direction: column;
        gap: 5px;
    }
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    * {
        transition: none !important;
    }
}