:root{--navy:#082846;--navy2:#0f3b62;--teal:#0b8f8b;--aqua:#2dd4bf;--blue:#1d6fd8;--sky:#eaf6ff;--mint:#e9fbf5;--ink:#10233a;--muted:#52657b;--surface:#fff;--bg:#f5f8fb;--border:#d8e3ed;--danger:#ef5b2a;--warning:#ffb020;--shadow:0 16px 40px rgba(9,40,70,.12);--radius:20px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.55}a{color:var(--blue)}img,svg{max-width:100%}button,input{font:inherit}.skip{position:absolute;left:-999px;top:0}.skip:focus{left:12px;top:12px;background:#fff;color:#000;padding:10px 14px;z-index:999;border-radius:8px}.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--border)}.nav{min-height:72px;display:flex;align-items:center;gap:24px}.brand{width:220px;display:flex}.links{display:flex;align-items:center;gap:20px;margin-left:auto}.links a{font-size:.95rem;text-decoration:none;color:var(--ink);font-weight:700}.header-actions{display:flex;gap:8px}.icon-btn{border:1px solid var(--border);background:#fff;border-radius:999px;padding:8px 12px;font-weight:800;cursor:pointer}.menu-btn{display:none}.hero{background:linear-gradient(115deg,var(--navy) 0%,#0c426b 58%,#0a6c75 100%);color:#fff;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;min-height:520px;align-items:center;padding:58px 0}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:900;color:#9ff5e3}.hero h1{font-size:clamp(2.8rem,6vw,5.5rem);line-height:.94;max-width:760px;margin:.25em 0}.hero h1 span{color:#84f0df}.hero p{font-size:1.18rem;max-width:720px;color:#e8f3fa}.ctas{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;border-radius:12px;padding:0 18px;font-weight:900;text-decoration:none;border:2px solid transparent}.btn-primary{background:var(--aqua);color:#06273a}.btn-secondary{background:transparent;color:#fff;border-color:#8cb3ca}.hero-panel{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);padding:24px;border-radius:28px;box-shadow:var(--shadow)}.hero-panel h2{margin-top:0}.check-list{display:grid;gap:12px;padding:0;list-style:none}.check-list li{display:flex;gap:10px}.check-list li:before{content:"✓";display:grid;place-items:center;width:24px;height:24px;background:var(--aqua);color:#04394a;border-radius:50%;font-weight:900;flex:0 0 24px}.micro{font-size:.9rem;color:#c6dce8}.section{padding:70px 0}.section h2{font-size:clamp(2rem,4vw,3.3rem);line-height:1.05;margin:0 0 12px}.lede{font-size:1.12rem;color:var(--muted);max-width:820px;margin-bottom:30px}.evidence-head{display:flex;gap:18px;align-items:end;justify-content:space-between}.updated{font-size:.88rem;color:var(--muted)}.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.fact{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column;min-height:420px;box-shadow:0 6px 18px rgba(12,48,75,.05)}.fact:nth-child(3n+1){background:linear-gradient(180deg,#fff5ef,#fff)}.fact:nth-child(3n+2){background:linear-gradient(180deg,#eef7ff,#fff)}.fact:nth-child(3n+3){background:linear-gradient(180deg,#ecfbf6,#fff)}.big-stat{font-size:3rem;font-weight:950;line-height:1;color:var(--navy)}.stat-suffix{font-weight:900;color:var(--danger);margin:6px 0 18px}.fact h3{font-size:1.25rem;margin:.2rem 0}.fact p{color:#40556c}.bar-chart{margin-top:auto;display:grid;grid-template-columns:1fr 1fr;gap:14px;align-items:end;height:130px;padding-top:20px}.bar-wrap{height:100%;display:flex;flex-direction:column;justify-content:flex-end}.bar{min-height:10px;background:linear-gradient(180deg,var(--blue),var(--navy));border-radius:8px 8px 3px 3px}.bar.alt{background:linear-gradient(180deg,var(--aqua),var(--teal))}.bar-label{font-size:.76rem;font-weight:800;margin-top:7px}.source{font-size:.85rem;margin-top:14px}.source a{font-weight:900}.tools{background:#fff}.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.tool-card,.calc,.offer,.problem{border:1px solid var(--border);border-radius:var(--radius);padding:24px;background:#fff}.tool-icon{width:46px;height:46px;border-radius:14px;background:var(--mint);display:grid;place-items:center;font-size:1.4rem;font-weight:950}.tool-card h3{font-size:1.25rem;margin-bottom:8px}.tool-card p{color:var(--muted)}.tool-card .btn{background:var(--navy);color:#fff;margin-top:8px}.money-check{background:linear-gradient(180deg,#eefaf7,#f8fbfd)}.progress-shell{display:grid;grid-template-columns:.72fr 1.28fr;gap:24px}.progress-card{background:var(--navy);color:#fff;border-radius:28px;padding:28px;position:sticky;top:100px;align-self:start}.progress-num{font-size:4rem;font-weight:950;color:var(--aqua)}.progress-track{height:12px;border-radius:999px;background:rgba(255,255,255,.15);overflow:hidden}.progress-track span{display:block;height:100%;background:var(--aqua);width:0;transition:.2s}.checklist{display:grid;gap:12px}.check-row{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--border);border-radius:16px;padding:18px}.check-row input{width:22px;height:22px;accent-color:var(--teal);margin-top:2px}.check-row strong{display:block}.check-row small{color:var(--muted)}.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.calc h3{font-size:1.45rem;margin-top:0}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field label{display:block;font-size:.86rem;font-weight:800;margin-bottom:5px}.field input{width:100%;border:1px solid #bacada;border-radius:10px;padding:11px;background:#fff}.calc button{width:100%;margin-top:14px;background:var(--navy);color:#fff;border:0;border-radius:12px;min-height:46px;font-weight:900;cursor:pointer}.result{margin-top:16px;background:var(--sky);border-radius:14px;padding:16px;min-height:82px}.result b{font-size:1.6rem}.result small{display:block;color:var(--muted)}.commercial{background:#fff}.commercial-head{display:flex;align-items:end;justify-content:space-between;gap:18px}.disclosure{background:#fff8e8;border:1px solid #f3d58c;border-radius:14px;padding:14px 16px;max-width:660px;font-size:.9rem}.offers{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:22px}.offer{display:flex;flex-direction:column}.offer-label{align-self:flex-start;font-size:.7rem;font-weight:950;letter-spacing:.08em;color:#6f5200;background:#fff1b8;padding:5px 8px;border-radius:999px}.offer p{color:var(--muted)}.offer .btn{margin-top:auto;background:#f0f5fa;color:var(--navy);border:1px solid var(--border)}.sources{background:#eef4f8}.source-links{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.source-link{background:#fff;border:1px solid var(--border);padding:16px;border-radius:14px;text-decoration:none;color:var(--ink);font-weight:850}.source-link span{display:block;font-size:.82rem;color:var(--muted);font-weight:500}.site-footer{background:var(--navy);color:#d8e7f1;padding:38px 0}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:32px}.footer-grid a{color:#fff}.footer-logo{filter:brightness(0) invert(1);width:220px}.legal{display:flex;gap:14px;flex-wrap:wrap;font-size:.9rem}.dark{--ink:#edf6ff;--muted:#adc1d3;--surface:#0b2134;--bg:#071827;--border:#294459}.dark body{background:var(--bg);color:var(--ink)}.dark .site-header,.dark .fact,.dark .tool-card,.dark .calc,.dark .offer,.dark .check-row,.dark .source-link,.dark .commercial,.dark .tools{background:#0b2134;color:var(--ink)}.dark .icon-btn,.dark .field input{background:#102b42;color:#fff;border-color:#36526b}.dark .links a,.dark .source-link{color:#fff}.dark .fact:nth-child(n){background:#0b2134}.dark .money-check{background:#0a1d2e}.dark .sources{background:#081b2b}.dark .disclosure{background:#382f18;color:#fff}.large-text{font-size:112%}
@media(max-width:900px){.links{display:none}.links.open{display:flex;position:absolute;top:72px;left:0;right:0;background:#fff;padding:18px 20px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--border)}.dark .links.open{background:#0b2134}.menu-btn{display:inline-flex}.hero-grid{grid-template-columns:1fr;min-height:auto;padding:44px 0}.hero-panel{margin-bottom:20px}.facts,.cards-3,.offers,.source-links{grid-template-columns:1fr 1fr}.progress-shell{grid-template-columns:1fr}.progress-card{position:static}.calculator-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.evidence-head,.commercial-head{align-items:flex-start;flex-direction:column}}
@media(max-width:620px){.wrap{width:min(100% - 22px,var(--max))}.nav{gap:8px}.brand{width:165px}.header-actions{margin-left:auto}.header-actions .text-size{display:none}.hero h1{font-size:3.15rem}.facts,.cards-3,.offers,.source-links,.form-grid{grid-template-columns:1fr}.section{padding:48px 0}.fact{min-height:390px}.ctas{flex-direction:column}.btn{width:100%}.hero-panel{padding:20px}.big-stat{font-size:2.7rem}}