:root{--c-primary: #0369a1;--c-primary-dark: #075985;--c-primary-light: #0ea5e9;--c-accent: #10b981;--c-accent-dark: #059669;--c-accent-light: #34d399;--c-warning: #f59e0b;--c-danger: #ef4444;--c-text: #0f172a;--c-text-muted: #475569;--c-text-light: #94a3b8;--c-bg: #ffffff;--c-bg-soft: #f8fafc;--c-bg-muted: #f1f5f9;--c-border: #e2e8f0;--c-border-strong: #cbd5e1;--grad-hero: linear-gradient(135deg, #0369a1 0%, #0ea5e9 50%, #10b981 100%);--grad-cta: linear-gradient(135deg, #10b981 0%, #059669 100%);--ff-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen, Ubuntu, Cantarell, "Helvetica Neue", Arial, sans-serif;--fs-xs: .75rem;--fs-sm: .875rem;--fs-base: 1rem;--fs-lg: 1.125rem;--fs-xl: 1.25rem;--fs-2xl: 1.5rem;--fs-3xl: 1.875rem;--fs-4xl: 2.25rem;--fs-5xl: 3rem;--s-1: .25rem;--s-2: .5rem;--s-3: .75rem;--s-4: 1rem;--s-5: 1.25rem;--s-6: 1.5rem;--s-8: 2rem;--s-10: 2.5rem;--s-12: 3rem;--s-16: 4rem;--s-20: 5rem;--r-sm: 6px;--r-md: 10px;--r-lg: 14px;--r-xl: 20px;--r-full: 9999px;--shadow-sm: 0 1px 2px rgba(15, 23, 42, .06);--shadow-md: 0 4px 10px rgba(15, 23, 42, .08);--shadow-lg: 0 12px 28px rgba(15, 23, 42, .12);--container-max: 1120px;--header-h: 64px;--transition: .18s ease}*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 12px)}html,body{overflow-x:hidden;max-width:100vw}body{margin:0;font-family:var(--ff-sans);font-size:var(--fs-base);line-height:1.6;color:var(--c-text);background:var(--c-bg);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}body,p,td,th,li{word-break:break-word}img,svg,video{max-width:100%;height:auto;display:block}a{color:var(--c-primary);text-decoration:none;transition:color var(--transition)}a:hover,a:focus-visible{color:var(--c-primary-dark);text-decoration:underline}h1,h2,h3,h4,h5,h6{margin:0 0 var(--s-4);line-height:1.25;font-weight:700;color:var(--c-text)}h1{font-size:clamp(1.75rem,4vw + 1rem,var(--fs-5xl));letter-spacing:-.02em}h2{font-size:clamp(1.5rem,2.5vw + 1rem,var(--fs-3xl))}h3{font-size:var(--fs-xl)}h4{font-size:var(--fs-lg)}p{margin:0 0 var(--s-4)}ul,ol{margin:0 0 var(--s-4);padding-left:1.5rem}li{margin-bottom:var(--s-2)}:focus-visible{outline:3px solid var(--c-primary-light);outline-offset:2px;border-radius:3px}.skip-link{position:absolute;top:-100px;left:1rem;background:var(--c-primary);color:#fff;padding:.5rem 1rem;border-radius:var(--r-sm);z-index:1000;transition:top .15s}.skip-link:focus{top:1rem;color:#fff;text-decoration:none}.container{width:100%;max-width:var(--container-max);margin-inline:auto;padding-inline:var(--s-5)}section{padding-block:var(--s-12)}section.tight{padding-block:var(--s-8)}.site-header{position:sticky;top:0;background:#fff;border-bottom:1px solid var(--c-border);z-index:200}.hdr-inner{display:flex;align-items:center;justify-content:space-between;height:var(--header-h);gap:var(--s-4)}.logo{display:inline-flex;align-items:center;gap:var(--s-2)}.logo img{height:36px;width:auto}.nav{display:flex;align-items:center;gap:var(--s-5)}.nav a{color:var(--c-text);font-weight:500;font-size:var(--fs-sm);padding:var(--s-2) var(--s-3);border-radius:var(--r-sm);white-space:nowrap}.nav a:hover,.nav a[aria-current=page]{color:var(--c-primary);background:var(--c-bg-muted);text-decoration:none}.hamburger{display:none;width:44px;height:44px;padding:0;border:0;background:transparent;cursor:pointer;position:relative}.hamburger span{display:block;position:absolute;left:10px;right:10px;height:3px;background:var(--c-text);border-radius:2px;transition:transform .22s,opacity .22s}.hamburger span:nth-child(1){top:14px}.hamburger span:nth-child(2){top:21px}.hamburger span:nth-child(3){top:28px}.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)!important}.hamburger.open span:nth-child(2){opacity:0!important}.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)!important}body.nav-open{overflow:hidden}.nav-overlay{display:none;position:fixed;inset:0;background:#0006;z-index:199}.nav-overlay.open{display:block}@media(max-width:768px){.hamburger{display:block}.nav{position:fixed;top:var(--header-h);right:0;bottom:0;width:min(85vw,320px);flex-direction:column;align-items:stretch;gap:0;background:#fff;padding:var(--s-4);transform:translate(100%);transition:transform .24s ease;overflow-y:auto;box-shadow:-6px 0 20px #0f172a1a;z-index:200}.nav.open{transform:translate(0)}.nav a{padding:var(--s-4);border-bottom:1px solid var(--c-border);font-size:var(--fs-base)}}.hero{background:var(--grad-hero);color:#fff;padding-block:var(--s-16) var(--s-12);position:relative;overflow:hidden}.hero h1{color:#fff}.hero p.lead{font-size:var(--fs-lg);opacity:.95;max-width:60ch}.hero .pills{display:flex;flex-wrap:wrap;gap:var(--s-2);margin-top:var(--s-6)}.pill{background:#ffffff2e;backdrop-filter:blur(4px);border:1px solid rgba(255,255,255,.28);color:#fff;padding:var(--s-2) var(--s-4);border-radius:var(--r-full);font-size:var(--fs-sm);font-weight:500}.hero-stats{display:flex;flex-wrap:wrap;gap:var(--s-6);margin-top:var(--s-8)}.hero-stats>div{min-width:160px}.hero-stats strong{font-size:var(--fs-2xl);display:block}.hero-stats span{opacity:.9;font-size:var(--fs-sm)}@media(max-width:414px){.hero-stats{display:grid;grid-template-columns:1fr 1fr;gap:var(--s-4)}.hero-stats>div{min-width:0}}.eyebrow{display:inline-block;background:#fff3;padding:var(--s-1) var(--s-3);border-radius:var(--r-full);font-size:var(--fs-xs);font-weight:600;letter-spacing:.04em;text-transform:uppercase;margin-bottom:var(--s-4)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--s-2);padding:var(--s-3) var(--s-6);border-radius:var(--r-md);font-weight:600;font-size:var(--fs-base);border:2px solid transparent;cursor:pointer;text-decoration:none;transition:transform var(--transition),box-shadow var(--transition),background var(--transition);min-height:44px}.btn:hover{transform:translateY(-1px);box-shadow:var(--shadow-md);text-decoration:none}.btn:active{transform:translateY(0)}.btn-primary{background:var(--c-accent);color:#fff}.btn-primary:hover{background:var(--c-accent-dark);color:#fff}.btn-secondary{background:#fff;color:var(--c-primary);border-color:var(--c-primary)}.btn-secondary:hover{background:var(--c-primary);color:#fff}.btn-ghost{background:transparent;color:#fff;border-color:#fff9}.btn-ghost:hover{background:#ffffff1f;color:#fff}.btn-lg{padding:var(--s-4) var(--s-8);font-size:var(--fs-lg)}.cta-btns{display:flex;flex-wrap:wrap;gap:var(--s-3);margin-top:var(--s-6)}@media(max-width:480px){.cta-btns{flex-direction:column}.cta-btns .btn{width:100%}}.kpi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s-5);margin-block:var(--s-8)}.kpi{background:#fff;border:1px solid var(--c-border);border-radius:var(--r-lg);padding:var(--s-6);box-shadow:var(--shadow-sm);text-align:center}.kpi-icon{font-size:2rem;margin-bottom:var(--s-2)}.kpi-value{font-size:var(--fs-3xl);font-weight:700;color:var(--c-primary);display:block;line-height:1.1}.kpi-label{color:var(--c-text-muted);font-size:var(--fs-sm);margin-top:var(--s-1)}@media(max-width:480px){.kpi-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:360px){.kpi-grid{grid-template-columns:1fr}}.data-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:var(--r-lg);border:1px solid var(--c-border);margin-block:var(--s-6)}.data-table{width:100%;border-collapse:collapse;font-size:var(--fs-sm);background:#fff}.data-table th,.data-table td{padding:var(--s-3) var(--s-4);text-align:left;border-bottom:1px solid var(--c-border)}.data-table th{background:var(--c-bg-muted);font-weight:600;color:var(--c-text);white-space:nowrap}.data-table tbody tr:last-child td{border-bottom:0}.data-table tbody tr:hover{background:var(--c-bg-soft)}.cta-disclosure{font-size:var(--fs-xs);color:var(--c-text-light);margin-top:var(--s-2)}.faq{margin-block:var(--s-8)}.faq details{background:#fff;border:1px solid var(--c-border);border-radius:var(--r-md);margin-bottom:var(--s-3);transition:box-shadow var(--transition)}.faq details[open]{box-shadow:var(--shadow-md);border-color:var(--c-border-strong)}.faq summary{padding:var(--s-4) var(--s-5);font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:var(--s-3)}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";font-size:var(--fs-2xl);line-height:1;color:var(--c-primary);transition:transform var(--transition)}.faq details[open] summary:after{content:"−"}.faq .faq-answer{padding:0 var(--s-5) var(--s-5);color:var(--c-text-muted)}.steps{list-style:none;padding:0;counter-reset:step}.steps li{position:relative;padding-left:3.5rem;margin-bottom:var(--s-5);counter-increment:step;min-height:2.5rem}.steps li:before{content:counter(step);position:absolute;left:0;top:0;width:2.5rem;height:2.5rem;border-radius:var(--r-full);background:var(--c-primary);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:var(--fs-lg)}.steps strong{display:block;margin-bottom:var(--s-1)}.highlight{border-radius:var(--r-md);padding:var(--s-5);margin-block:var(--s-5);border-left:4px solid var(--c-primary);background:var(--c-bg-soft)}.highlight.info{border-left-color:var(--c-primary-light);background:#eff6ff}.highlight.success{border-left-color:var(--c-accent);background:#ecfdf5}.highlight.warning{border-left-color:var(--c-warning);background:#fffbeb}.highlight.danger{border-left-color:var(--c-danger);background:#fef2f2}.highlight strong{display:block;margin-bottom:var(--s-1)}.article-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:var(--s-5);margin-block:var(--s-8)}.article-card{background:#fff;border:1px solid var(--c-border);border-radius:var(--r-lg);padding:var(--s-6);transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition);display:flex;flex-direction:column}.article-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);border-color:var(--c-primary-light);text-decoration:none}.article-card .badge{background:var(--c-accent);color:#fff;font-size:var(--fs-xs);font-weight:600;padding:var(--s-1) var(--s-2);border-radius:var(--r-full);align-self:flex-start;margin-bottom:var(--s-2)}.article-card .card-icon{font-size:2rem;margin-bottom:var(--s-2)}.article-card h3{margin-bottom:var(--s-2)}.article-card p{color:var(--c-text-muted);flex:1}.article-card .card-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s-2);margin-block:var(--s-3);padding-block:var(--s-3);border-top:1px solid var(--c-border);border-bottom:1px solid var(--c-border);font-size:var(--fs-xs);text-align:center}.article-card .card-stats strong{display:block;font-size:var(--fs-sm);color:var(--c-primary)}.article-card .card-link{font-weight:600;color:var(--c-primary);margin-top:auto}@media(max-width:600px){.article-grid{grid-template-columns:1fr!important}}.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--s-4);margin-block:var(--s-6)}.related-grid a{padding:var(--s-4);background:var(--c-bg-soft);border-radius:var(--r-md);border:1px solid var(--c-border);color:var(--c-text);font-weight:500}.related-grid a:hover{border-color:var(--c-primary-light);background:#fff;text-decoration:none}@media(max-width:600px){.related-grid{grid-template-columns:1fr}}.breadcrumb{font-size:var(--fs-sm);color:var(--c-text-muted);padding-block:var(--s-4)}.breadcrumb ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:var(--s-2)}.breadcrumb li+li:before{content:"/";margin-right:var(--s-2);color:var(--c-text-light)}.calc-hero{background:linear-gradient(150deg,var(--c-primary) 0%,var(--c-primary-light) 48%,#0e6fa3 100%);padding:var(--s-10) var(--s-5) var(--s-10);overflow:hidden;position:relative;margin-top:-1px}.calc-hero:before{content:"";position:absolute;top:-100px;right:-100px;width:400px;height:400px;border-radius:50%;background:#ffffff0a;pointer-events:none}.calc-hero:after{content:"";position:absolute;bottom:-60px;left:20%;width:240px;height:240px;border-radius:50%;background:#ffffff08;pointer-events:none}.calc-hero-inner{max-width:var(--container-max);margin:0 auto;display:grid;grid-template-columns:1fr 360px;gap:36px;align-items:center;position:relative;z-index:1}.calc-hero-text{color:#fff}.calc-hero-eyebrow{display:inline-flex;align-items:center;gap:6px;background:#ffffff1f;border:1px solid rgba(255,255,255,.2);border-radius:var(--r-full);padding:4px 12px;font-size:var(--fs-xs);color:#ffffffd9;font-weight:500;margin-bottom:var(--s-4)}.calc-hero-h1{font-size:clamp(1.5rem,3vw + .5rem,1.875rem);font-weight:800;color:#fff;line-height:1.2;letter-spacing:-.025em;margin-bottom:var(--s-3)}.calc-hero-sub{font-size:var(--fs-base);color:#ffffffb8;line-height:1.65;margin-bottom:var(--s-5)}.calc-hero-pricepill{display:inline-flex;align-items:center;gap:6px;background:#fbbf2426;border:1px solid rgba(251,191,36,.35);border-radius:var(--r-full);padding:4px 12px;font-size:var(--fs-xs);font-weight:600;color:#fcd34d;margin-bottom:var(--s-3)}.calc-hero-greenpill{display:inline-flex;align-items:center;gap:8px;background:#16a34a2e;border:1px solid rgba(74,222,128,.4);border-radius:var(--r-md);padding:10px 16px;font-size:var(--fs-sm);font-weight:700;color:#4ade80;margin:var(--s-3) 0 var(--s-5);transition:background .2s;text-decoration:none}.calc-hero-greenpill:hover{background:#16a34a47;color:#4ade80}.trust-row{display:flex;gap:8px;flex-wrap:wrap}.chip{background:#ffffff2e;border:1px solid rgba(255,255,255,.4);border-radius:var(--r-full);padding:6px 14px;font-size:var(--fs-xs);font-weight:600;color:#fff;display:inline-flex;align-items:center;gap:6px}.chip-dot{width:7px;height:7px;border-radius:50%;background:#4ade80;display:inline-block;flex-shrink:0}.calc-float{background:#ffffff21;border:1px solid rgba(255,255,255,.25);border-radius:var(--r-lg);padding:var(--s-7) var(--s-6);color:#fff}.calc-float-lbl{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:#ffffff8c;margin-bottom:var(--s-4)}.fields-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:var(--s-4)}.fld{background:#fff;border:2px solid #cbd5e1;border-radius:var(--r-md);padding:13px 15px;box-shadow:0 2px 8px #0000001a}.fld-lbl{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--c-primary);margin-bottom:6px;display:flex;align-items:center;justify-content:space-between}.fld-lbl-icon{font-size:9px;opacity:.5}.fld-value-row{display:flex;align-items:baseline;gap:4px;margin:6px 0 4px}.fld-value{font-size:22px;font-weight:800;color:var(--c-text);font-variant-numeric:tabular-nums}.fld-unit{font-size:13px;color:var(--c-text-muted);font-weight:600}.fld-hint{font-size:10px;color:var(--c-text-muted);margin-top:4px}input[type=range].filled-range{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;outline:none;cursor:pointer;border:none;padding:0;background:linear-gradient(to right,var(--c-primary) 0%,var(--c-primary) 50%,rgba(255,255,255,.3) 50%,rgba(255,255,255,.3) 100%);accent-color:var(--c-primary)}input[type=range].filled-range::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--c-primary);cursor:pointer;box-shadow:0 2px 6px #00000040}input[type=range].filled-range::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--c-primary);cursor:pointer;box-shadow:0 2px 6px #00000040}.fld-select{background:#fff;border:1px solid var(--c-border);border-radius:var(--r-sm);color:var(--c-text);font-size:15px;font-weight:700;outline:none;width:100%;font-family:inherit;cursor:pointer;padding:8px 32px 8px 10px;margin-top:2px;-webkit-appearance:none;appearance:none;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='10' viewBox='0 0 14 10'><path fill='%231E3A8A' d='M7 10L0 0h14z'/></svg>");background-repeat:no-repeat;background-position:right 10px center;background-size:12px auto;transition:border-color .15s}.fld-select:hover{border-color:var(--c-primary)}.fld-select:focus{border-color:var(--c-primary);box-shadow:0 0 0 3px #1e3a8a1f}.fld:has(.fld-select) .fld-lbl-icon{display:none}.savings-strip{background:#16a34a2e;border:1px solid rgba(74,222,128,.35);border-radius:var(--r-sm);padding:11px 16px;display:none;align-items:center;justify-content:space-between;margin-bottom:var(--s-4)}.savings-strip.show{display:flex}.strip-txt{font-size:13px;color:#fffc}.strip-amt{font-size:16px;font-weight:800;color:#4ade80}.calc-kpi-strip{display:grid;grid-template-columns:1fr 1fr;gap:14px}.calc-kpi-box{background:#ffffff21;border:1px solid rgba(255,255,255,.22);border-radius:var(--r-md);padding:22px 16px;text-align:center}.calc-kpi-lbl{font-size:10px;text-transform:uppercase;letter-spacing:.07em;color:#ffffff80;font-weight:700;margin-bottom:6px}.calc-kpi-val{font-size:28px;font-weight:800;color:#fff;letter-spacing:-.025em;line-height:1;font-variant-numeric:tabular-nums}.calc-kpi-sub{font-size:12px;color:#fff6;margin-top:6px}.card{background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow-sm);padding:var(--s-6);margin-block:var(--s-5)}.card-title{font-size:var(--fs-lg);font-weight:700;margin-bottom:3px}.card-sub{font-size:var(--fs-sm);color:var(--c-text-muted);margin-bottom:var(--s-5)}.sys-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:8px}.sys-card{border-radius:var(--r-md);padding:13px 9px 11px;position:relative;border:1.5px solid transparent;transition:transform .15s}.sys-card:hover{transform:translateY(-2px)}.sys-card.active{border-color:var(--c-primary);box-shadow:0 0 0 3px #1e3a8a14}.sys-card.winner{border-color:var(--c-accent-dark);box-shadow:0 0 0 3px #16a34a14}.sc-badge{position:absolute;top:-9px;left:50%;transform:translate(-50%);font-size:9px;font-weight:700;padding:2px 8px;border-radius:var(--r-full);white-space:nowrap;color:#fff}.sc-badge.cur{background:var(--c-primary)}.sc-badge.win{background:var(--c-accent-dark)}.sc-icon{font-size:16px;margin-bottom:4px}.sc-name{font-size:10px;font-weight:600;color:#1e293b;margin-bottom:6px;line-height:1.3}.sc-cost{font-size:15px;font-weight:800;color:var(--c-text);letter-spacing:-.02em;line-height:1;font-variant-numeric:tabular-nums}.sc-yr{font-size:10px;color:#334155;margin-top:1px}.bar-wrap{margin-top:5px;height:3px;background:#00000012;border-radius:2px;overflow:hidden}.bar{height:100%;border-radius:2px;transition:width .5s ease}.sc-diff{font-size:10px;font-weight:600;margin-top:4px}.diff-pos{color:#166534}.diff-neg{color:#b91c1c}.sc-cta{display:block;margin-top:10px;background:var(--c-accent-dark);color:#fff;border:none;border-radius:var(--r-sm);padding:9px 10px;font-size:11px;font-weight:700;cursor:pointer;width:100%;font-family:inherit;line-height:1.3;transition:background .15s}.sc-cta:hover{background:#0e6b33}.timing-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:10px}.timing-btn{padding:11px 12px;border:1.5px solid var(--c-border);border-radius:var(--r-sm);background:#fff;color:var(--c-text);font-size:var(--fs-sm);font-weight:600;cursor:pointer;text-align:left;transition:all .2s;font-family:inherit}.timing-btn:hover{border-color:var(--c-primary);transform:translateY(-1px)}.timing-btn.selected{border-color:var(--c-accent-dark);background:#dcfce7;color:var(--c-accent-dark)}.timing-sub{font-size:11px;color:var(--c-text-muted);margin-top:2px;font-weight:400}.timing-btn.selected .timing-sub{color:var(--c-accent-dark)}.recs-disclosure{display:none}.rec-list{display:flex;flex-direction:column;gap:var(--s-4);margin-top:0}.rec-card{background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow-sm);border:1.5px solid 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