.o-hero{background:linear-gradient(168deg,var(--paper) 0%,#F1E7D7 100%);position:relative;overflow:hidden}.o-hero:after{content:"";position:absolute;top:-140px;right:-100px;width:480px;height:480px;border-radius:50%;background:radial-gradient(circle,#e8943a2e,transparent 68%)}.o-hero-inner{position:relative;z-index:1;max-width:820px;padding-block:clamp(48px,7vw,92px)}.o-hero h1{margin:22px 0 0;font-size:clamp(36px,5.6vw,64px)}.o-hero .lead{margin-top:22px;max-width:640px}.o-hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}.o-hero-fix{display:inline-flex;align-items:center;gap:12px;margin-top:30px;background:#fff;border:1px solid var(--line);border-radius:var(--r-pill);padding:10px 18px 10px 12px;box-shadow:var(--shadow-sm);font-weight:700;color:var(--navy);font-size:15px}.o-hero-fix .pill{background:var(--plus);color:#fff;font-family:var(--mono);font-size:12px;font-weight:600;padding:5px 10px;border-radius:var(--r-pill)}.calc-section{background:var(--navy-900);color:#fff}.calc-section .section-head h2{color:#fff}.calc-section .section-head .lead{color:#fffc}.calc{display:grid;grid-template-columns:.82fr 1.18fr;background:var(--paper);color:var(--graphite);border-radius:var(--r-lg);overflow:hidden;box-shadow:0 40px 80px -30px #0006}.calc-inputs{padding:clamp(24px,3vw,38px);background:var(--paper-2);border-right:1px solid var(--line)}.calc-results{padding:clamp(24px,3vw,38px);display:flex;flex-direction:column}.calc-field{margin-bottom:24px}.calc-field>label{display:block;font-size:13px;font-weight:700;color:var(--navy-70);text-transform:uppercase;letter-spacing:.06em;margin-bottom:11px;font-family:var(--mono)}.seg{display:flex;gap:6px;background:#1e3a5f0d;border-radius:var(--r-pill);padding:5px}.seg button{flex:1;padding:11px 8px;border-radius:var(--r-pill);font-weight:700;font-size:14.5px;color:var(--navy-70);transition:background .16s,color .16s,box-shadow .16s}.seg button.active{background:#fff;color:var(--navy);box-shadow:var(--shadow-sm)}.slider-row{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:12px}.slider-val{font-family:var(--mono);font-weight:600;font-size:22px;color:var(--navy);letter-spacing:-.02em}input[type=range].slider{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:999px;background:linear-gradient(to right,var(--amber) var(--fill, 40%),var(--line) var(--fill, 40%));outline:none}input[type=range].slider::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;border:3px solid var(--amber);box-shadow:var(--shadow-sm);cursor:pointer;transition:transform .12s}input[type=range].slider::-webkit-slider-thumb:active{transform:scale(1.12)}input[type=range].slider::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:#fff;border:3px solid var(--amber);cursor:pointer}.slider-ticks{display:flex;justify-content:space-between;font-family:var(--mono);font-size:11px;color:var(--ink-40);margin-top:8px}.calc-select{position:relative}.calc-select select{appearance:none;-webkit-appearance:none;padding-right:42px;cursor:pointer}.calc-select:after{content:"";position:absolute;right:16px;top:50%;width:9px;height:9px;border-right:2px solid var(--navy-55);border-bottom:2px solid var(--navy-55);transform:translateY(-70%) rotate(45deg);pointer-events:none}.calc-vtoggle{display:flex;gap:6px;background:#1e3a5f0d;border-radius:var(--r-pill);padding:5px;margin-bottom:22px;align-self:flex-start}.calc-vtoggle button{padding:9px 18px;border-radius:var(--r-pill);font-weight:700;font-size:14px;color:var(--navy-70);transition:.16s}.calc-vtoggle button.active{background:var(--navy);color:#fff}.cmp{display:grid;grid-template-columns:1fr 1fr;gap:14px}.cmp-col{border-radius:var(--r);padding:22px 20px;border:1px solid var(--line)}.cmp-self{background:#fff}.cmp-ours{background:linear-gradient(168deg,#fbefdd,#f7e6ce);border-color:#e8943a4d;position:relative}.cmp-col .cmp-kicker{display:flex;align-items:center;gap:8px;font-weight:700;font-size:14px;color:var(--navy);margin-bottom:14px}.cmp-self .cmp-kicker{color:var(--ink-70)}.cmp-num{font-family:var(--mono);font-weight:600;font-size:clamp(26px,3.2vw,36px);letter-spacing:-.02em;line-height:1}.cmp-self .cmp-num{color:var(--graphite)}.cmp-ours .cmp-num{color:var(--navy)}.cmp-unit{font-size:13px;color:var(--ink-55);margin-top:6px}.cmp-best{position:absolute;top:-11px;right:16px;background:var(--amber);color:#fff;font-family:var(--mono);font-size:11px;font-weight:600;letter-spacing:.04em;padding:5px 10px;border-radius:var(--r-pill)}.cmp-list{margin-top:18px;display:flex;flex-direction:column;gap:10px}.cmp-list li{display:flex;gap:9px;align-items:flex-start;font-size:13.5px;line-height:1.4}.cmp-list .mk{width:18px;height:18px;border-radius:5px;flex-shrink:0;display:grid;place-items:center;margin-top:1px}.cmp-self .mk{background:var(--minus-bg);color:var(--minus)}.cmp-ours .mk{background:var(--plus);color:#fff}.cmp-self .cmp-list li{color:var(--ink-70)}.cmp-ours .cmp-list li{color:var(--navy);font-weight:600}.annual-hero{background:linear-gradient(150deg,#fbefdd,#f6e4cb);border:1px solid #e8943a4d;border-radius:var(--r);padding:26px}.annual-hero .eyebrow{color:var(--amber-600)}.annual-big{font-family:var(--mono);font-weight:600;font-size:clamp(38px,6vw,60px);color:var(--navy);letter-spacing:-.03em;line-height:1;margin-top:10px}.annual-sub{color:var(--ink-70);font-size:15px;margin-top:10px}.bars{margin-top:22px;display:flex;flex-direction:column;gap:16px}.bar-row .bar-label{display:flex;justify-content:space-between;font-size:13.5px;font-weight:600;margin-bottom:7px}.bar-row .bar-label .mono{font-family:var(--mono)}.bar-track{height:34px;background:#1e3a5f0d;border-radius:10px;overflow:hidden}.bar-fill{height:100%;border-radius:10px;transition:width .8s cubic-bezier(.2,.7,.2,1);display:flex;align-items:center}.bar-fill.self{background:repeating-linear-gradient(45deg,#cdbfa8,#cdbfa8 8px,#c4b59c 8px 16px)}.bar-fill.ours{background:linear-gradient(90deg,var(--amber),var(--amber-600))}.calc-verdict{margin-top:22px;padding:20px 22px;background:var(--navy);color:#fff;border-radius:var(--r)}.calc-verdict .v-main{font-size:clamp(18px,2vw,22px);font-weight:800;letter-spacing:-.01em;line-height:1.25}.calc-verdict .v-main b{color:var(--amber)}.calc-verdict .v-year{font-family:var(--mono);font-size:13.5px;color:#fffc;margin-top:8px}.calc-lead{margin-top:22px;padding-top:22px;border-top:1px solid var(--line)}.calc-lead h4{font-size:17px;color:var(--navy)}.calc-lead p.note{font-size:13px;color:var(--ink-55);margin-top:6px}.calc-lead-row{display:flex;gap:10px;margin-top:14px}.calc-lead-row .input{flex:1}.calc-disclaimer{font-size:12px;color:var(--ink-55);margin-top:12px;line-height:1.45}.fears{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,2.2vw,24px)}.fear{background:var(--paper-2);border:1px solid var(--line);border-radius:var(--r);padding:26px 24px;transition:transform .2s,box-shadow .2s}.fear:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.fear .fear-q{display:flex;gap:11px;align-items:flex-start}.fear .qm{width:30px;height:30px;border-radius:9px;background:var(--minus-bg);color:var(--minus);display:grid;place-items:center;flex-shrink:0;font-weight:800}.fear .fear-q span{font-weight:700;color:var(--navy);font-size:17px;line-height:1.3}.fear .fear-a{display:flex;gap:11px;align-items:flex-start;margin-top:16px;padding-top:16px;border-top:1px solid var(--line)}.fear .am{width:30px;height:30px;border-radius:9px;background:var(--plus);color:#fff;display:grid;place-items:center;flex-shrink:0}.fear .fear-a p{font-size:14.5px;color:var(--ink-70);line-height:1.45}.fear-double{background:var(--navy);color:#fff;grid-column:span 1}.fear-double .fd-t{font-size:20px;font-weight:800;color:#fff}.fear-double p{color:#ffffffb3;font-size:14.5px;margin-top:12px;line-height:1.5}.fear-double .fd-row{display:flex;gap:14px;margin-top:18px}.fear-double .fd-item{flex:1}.fear-double .fd-item .fd-ic{width:36px;height:36px;border-radius:10px;background:#e8943a26;color:var(--amber);display:grid;place-items:center;margin-bottom:10px}.fear-double .fd-item h5{color:#fff;font-size:14px;font-weight:700}.fear-double .fd-item span{color:#fff9;font-size:12.5px}.osteps{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(14px,2vw,22px)}.ostep{position:relative;padding:26px 22px;background:var(--paper-2);border:1px solid var(--line);border-radius:var(--r)}.ostep .on{font-family:var(--mono);font-size:32px;font-weight:600;color:#e8943a40;letter-spacing:-.02em}.ostep h4{font-size:18px;color:var(--navy);margin-top:8px}.ostep p{font-size:14px;color:var(--ink-70);margin-top:9px;line-height:1.45}.transp{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(28px,4vw,52px);align-items:center}.transp-list{display:flex;flex-direction:column;gap:14px;margin-top:8px}.transp-list li{display:flex;gap:13px;align-items:flex-start}.transp-list .tk{width:24px;height:24px;border-radius:7px;background:var(--amber);color:#fff;display:grid;place-items:center;flex-shrink:0;margin-top:2px}.transp-list b{color:var(--navy);display:block;font-size:16px}.transp-list span{color:var(--ink-70);font-size:14.5px}.transp-facts{display:grid;gap:14px}.fact{background:var(--paper-2);border:1px solid var(--line);border-radius:var(--r);padding:22px 24px}.fact .fn{font-family:var(--mono);font-weight:600;font-size:34px;color:var(--amber-600);letter-spacing:-.02em;line-height:1}.fact p{font-size:14px;color:var(--ink-70);margin-top:8px}.team{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(14px,2vw,22px)}.tm{text-align:left}.tm-photo{aspect-ratio:1;border-radius:var(--r);overflow:hidden;background:var(--line);position:relative}.tm-photo .ph-mono{position:absolute;inset:0;display:grid;place-items:center;font-family:var(--mono);color:var(--navy-55);font-size:13px}.tm h5{color:var(--navy);font-size:16px;margin-top:12px}.tm span{color:var(--ink-55);font-size:13.5px}.o-final{background:var(--navy);color:#fff}.o-final h2{color:#fff}.o-final .lead{color:#fffc}.o-final-inner{display:flex;flex-direction:column;align-items:center;text-align:center;max-width:680px;margin:0 auto}.o-final .actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px;justify-content:center}@media (max-width: 960px){.calc{grid-template-columns:1fr}.calc-inputs{border-right:none;border-bottom:1px solid var(--line)}.fears,.osteps{grid-template-columns:1fr 1fr}.transp{grid-template-columns:1fr}.team{grid-template-columns:1fr 1fr}}@media (max-width: 640px){.cmp,.fears,.osteps{grid-template-columns:1fr}.calc-lead-row{flex-direction:column}}