*,:after,:before{box-sizing:border-box;margin:0;padding:0}:root{--font-sans:-apple-system,BlinkMacSystemFont,"Segoe UI","Inter",sans-serif;--blue-50:#eff6ff;--blue-100:#dbeafe;--blue-600:#2563eb;--blue-700:#1d4ed8;--blue-800:#1e40af;--blue-900:#1e3a8a;--green-50:#f0fdf4;--green-600:#16a34a;--green-700:#15803d;--orange-50:#fff7ed;--orange-500:#f97316;--orange-600:#ea580c;--gray-50:#f9fafb;--gray-100:#f3f4f6;--gray-200:#e5e7eb;--gray-300:#d1d5db;--gray-400:#9ca3af;--gray-500:#6b7280;--gray-600:#4b5563;--gray-700:#374151;--gray-800:#1f2937;--gray-900:#111827;--red-50:#fef2f2;--red-600:#dc2626;--yellow-50:#fffbeb;--yellow-400:#fbbf24;--yellow-800:#92400e;--color-bg:var(--gray-50);--color-surface:#fff;--color-border:var(--gray-200);--color-border-strong:var(--gray-300);--color-text:var(--gray-900);--color-text-muted:var(--gray-500);--color-text-subtle:var(--gray-400);--color-primary:var(--blue-600);--color-primary-hover:var(--blue-700);--color-primary-light:var(--blue-50);--radius-sm:6px;--radius-md:10px;--radius-lg:16px;--radius-xl:20px;--shadow-sm:0 1px 2px rgba(0,0,0,.05);--shadow-md:0 4px 16px rgba(0,0,0,.08),0 1px 4px rgba(0,0,0,.04);--shadow-lg:0 8px 32px rgba(0,0,0,.1),0 2px 8px rgba(0,0,0,.06);--max-w:780px;--max-w-wide:1140px}html{font-family:var(--font-sans);font-size:16px;line-height:1.6;color:var(--color-text);background:var(--color-bg);-webkit-font-smoothing:antialiased;scroll-behavior:smooth}body{min-height:100vh}h1{font-size:clamp(1.75rem,4vw,2.4rem);font-weight:700;line-height:1.15;letter-spacing:-.03em}h1,h2{color:var(--gray-900)}h2{font-size:clamp(1.2rem,3vw,1.5rem);line-height:1.25;letter-spacing:-.02em}h2,h3{font-weight:600}h3{font-size:1.05rem;color:var(--gray-800)}p{line-height:1.7;color:var(--color-text-muted)}a{color:var(--color-primary);text-decoration:none}a:hover{text-decoration:underline}.container{max-width:var(--max-w)}.container,.container-wide{margin:0 auto;padding:0 1.25rem}.container-wide{max-width:var(--max-w-wide)}.card{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-xl);padding:1.75rem;box-shadow:var(--shadow-md)}.card-sm{padding:1.25rem 1.5rem}.section-eyebrow{font-size:.7rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--color-text-subtle);margin-bottom:.875rem;display:flex;align-items:center;gap:6px}.section-eyebrow:after{content:"";flex:1 1;height:1px;background:var(--color-border)}.form-label{display:block;font-size:.78rem;font-weight:600;color:var(--gray-600);margin-bottom:6px;letter-spacing:.01em}.form-input,.form-select{width:100%;padding:11px 14px;font-family:var(--font-sans);font-size:.9rem;color:var(--color-text);background:var(--color-surface);border:1.5px solid var(--color-border);border-radius:var(--radius-md);transition:border-color .15s,box-shadow .15s;-moz-appearance:none;appearance:none;-webkit-appearance:none}.form-select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%239ca3af' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:36px;cursor:pointer}.form-input:hover,.form-select:hover{border-color:var(--gray-300)}.form-input:focus,.form-select:focus{outline:none;border-color:var(--blue-600);box-shadow:0 0 0 3px rgba(37,99,235,.12)}.form-prefix{position:relative}.form-prefix:before{content:"$";position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--gray-400);font-size:.9rem;pointer-events:none;font-weight:500}.form-prefix .form-input{padding-left:28px}.field-icon{position:relative}.field-icon .icon{position:absolute;left:12px;top:50%;transform:translateY(-50%);font-size:15px;pointer-events:none;line-height:1}.field-icon .form-input,.field-icon .form-select{padding-left:36px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:11px 22px;font-family:var(--font-sans);font-size:.9rem;font-weight:600;border-radius:var(--radius-md);border:none;cursor:pointer;transition:all .15s;white-space:nowrap;letter-spacing:.01em}.btn:active{transform:scale(.98)}.btn-primary{background:var(--blue-600);color:#fff;box-shadow:0 1px 3px rgba(37,99,235,.3),0 4px 12px rgba(37,99,235,.2)}.btn-primary:hover{background:var(--blue-700);box-shadow:0 2px 6px rgba(37,99,235,.35),0 6px 16px rgba(37,99,235,.25)}.btn-secondary{background:var(--color-surface);color:var(--gray-700);border:1.5px solid var(--color-border)}.btn-secondary:hover{border-color:var(--blue-600);color:var(--blue-600);background:var(--blue-50)}.btn-lg{padding:15px 32px;font-size:1rem;border-radius:var(--radius-lg)}.btn-full{width:100%}.toggle-group{display:flex;gap:6px;flex-wrap:wrap}.toggle-btn{padding:8px 15px;font-family:var(--font-sans);font-size:.82rem;font-weight:500;color:var(--gray-500);background:var(--gray-50);border:1.5px solid var(--color-border);border-radius:999px;cursor:pointer;transition:all .15s}.toggle-btn:hover{border-color:var(--blue-600);color:var(--blue-600);background:var(--blue-50)}.toggle-btn.active{background:var(--blue-600);color:#fff;border-color:var(--blue-600);box-shadow:0 2px 8px rgba(37,99,235,.25)}.tab-bar{display:flex;gap:4px;overflow-x:auto;-ms-overflow-style:none;scrollbar-width:none;background:var(--gray-100);border-radius:var(--radius-lg);padding:4px}.tab-bar::-webkit-scrollbar{display:none}.tab-btn{flex:1 1;min-width:max-content;padding:9px 16px;font-family:var(--font-sans);font-size:.82rem;font-weight:500;color:var(--gray-500);background:transparent;border:none;border-radius:var(--radius-md);cursor:pointer;white-space:nowrap;transition:all .15s}.tab-btn:hover{color:var(--gray-800);background:hsla(0,0%,100%,.6)}.tab-btn.active{background:#fff;color:var(--blue-700);font-weight:600;box-shadow:var(--shadow-sm),0 0 0 1px var(--gray-200)}.divider{height:1px;background:var(--color-border);margin:1.5rem 0}.badge{display:inline-flex;align-items:center;gap:4px;padding:4px 12px;border-radius:999px;font-size:.72rem;font-weight:600;white-space:nowrap;letter-spacing:.02em}.badge-blue{background:var(--blue-50);color:var(--blue-800);border:1px solid var(--blue-100)}.badge-green{background:var(--green-50);color:var(--green-700)}.badge-orange{background:var(--orange-50);color:var(--orange-600)}.badge-warning{background:var(--yellow-50);color:var(--yellow-800)}.result-card{background:linear-gradient(135deg,var(--blue-800) 0,var(--blue-600) 100%);color:#fff;border-radius:var(--radius-xl);padding:2rem;margin-bottom:1rem;position:relative;overflow:hidden}.result-card:before{top:-40px;right:-40px;width:160px;height:160px;background:hsla(0,0%,100%,.06)}.result-card:after,.result-card:before{content:"";position:absolute;border-radius:50%}.result-card:after{bottom:-20px;left:60px;width:100px;height:100px;background:hsla(0,0%,100%,.04)}.result-label{font-size:.8rem;color:hsla(0,0%,100%,.7);font-weight:500;margin-bottom:4px}.result-total{font-size:3rem;font-weight:700;letter-spacing:-.04em;line-height:1;margin-bottom:6px}.result-sub{font-size:.8rem;color:hsla(0,0%,100%,.6)}.fee-section-head{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--gray-400);padding:10px 0 6px;margin-top:4px}.fee-line{display:flex;justify-content:space-between;align-items:flex-start;padding:9px 0;border-bottom:1px solid var(--gray-100);gap:1rem}.fee-line:last-child{border-bottom:none}.fee-name{font-size:.88rem;color:var(--gray-700);line-height:1.4}.fee-note{font-size:.75rem;color:var(--gray-400);margin-top:2px}.fee-amount{font-size:.9rem;font-weight:600;color:var(--gray-900);white-space:nowrap}.fee-total-row{display:flex;justify-content:space-between;align-items:center;padding:14px 0 0;border-top:2px solid var(--blue-600);margin-top:8px}.fee-total-label{font-size:.95rem;font-weight:600;color:var(--gray-900)}.fee-total-amount{font-size:1.6rem;font-weight:700;color:var(--blue-700);letter-spacing:-.02em}.warning-box{padding:12px 16px;background:var(--yellow-50);border-left:3px solid var(--yellow-400);border-radius:0 var(--radius-sm) var(--radius-sm) 0;font-size:.83rem;color:var(--yellow-800);line-height:1.55}.disclaimer{font-size:.78rem;color:var(--gray-400);line-height:1.6;padding:12px 16px;background:var(--gray-50);border-radius:var(--radius-md);border:1px solid var(--gray-200)}.steps-list{list-style:none;display:flex;flex-direction:column;gap:10px}.step-item{display:flex;gap:12px;align-items:flex-start}.step-number{width:26px;height:26px;min-width:26px;border-radius:50%;background:var(--blue-50);color:var(--blue-700);font-size:.72rem;font-weight:700;display:flex;align-items:center;justify-content:center;border:1.5px solid var(--blue-100)}.step-text{font-size:.88rem;color:var(--gray-600);line-height:1.5;padding-top:3px}.step-text strong{color:var(--gray-800);font-weight:600}.faq-item{border-bottom:1px solid var(--gray-100)}.faq-item:last-child{border-bottom:none}.faq-question{width:100%;text-align:left;padding:1rem 0;font-family:var(--font-sans);font-size:.92rem;font-weight:500;color:var(--gray-800);background:none;border:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;transition:color .15s}.faq-question:hover{color:var(--blue-600)}.faq-answer{padding:0 0 1rem;font-size:.88rem;color:var(--gray-600);line-height:1.75}.nav{background:hsla(0,0%,100%,.95);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border-bottom:1px solid var(--color-border);position:-webkit-sticky;position:sticky;top:0;z-index:100}.nav-inner{justify-content:space-between;height:60px;max-width:var(--max-w-wide);margin:0 auto;padding:0 1.25rem}.nav-inner,.nav-logo{display:flex;align-items:center}.nav-logo{font-size:1rem;font-weight:700;color:var(--blue-700);text-decoration:none;letter-spacing:-.02em;gap:6px}.nav-logo:hover{text-decoration:none;color:var(--blue-800)}.nav-links{display:flex;gap:1.5rem}.nav-links a{font-size:.83rem;font-weight:500;color:var(--gray-500);transition:color .15s}.nav-links a:hover{color:var(--blue-600);text-decoration:none}.footer{background:var(--gray-900);margin-top:5rem;padding:3rem 0 2rem}.footer,.footer a{color:var(--gray-400)}.footer a{font-size:.82rem}.footer a:hover{color:#fff;text-decoration:none}.callout{background:var(--blue-50);border:1px solid var(--blue-100);border-radius:var(--radius-lg);padding:1.25rem 1.5rem}.callout-title{font-size:.78rem;font-weight:700;color:var(--blue-800);text-transform:uppercase;letter-spacing:.06em;margin-bottom:.5rem}.callout li{font-size:.85rem;color:var(--blue-800);line-height:1.8}.callout li strong{color:var(--blue-900)}.calc-link-card{display:block;padding:1rem 1.125rem;background:var(--color-surface);border:1.5px solid var(--color-border);border-radius:var(--radius-lg);text-decoration:none;transition:all .15s}.calc-link-card:hover{border-color:var(--blue-600);background:var(--blue-50);transform:translateY(-1px);box-shadow:var(--shadow-md);text-decoration:none}.share-actions{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:1rem}@media (max-width:640px){.nav-links{display:none}.card{padding:1.25rem;border-radius:var(--radius-lg)}.result-total{font-size:2.4rem}.result-card{padding:1.5rem}.btn-lg{padding:14px 24px}}@media print{.btn-secondary,.nav,.share-actions{display:none!important}.result-card{background:var(--blue-800)!important;-webkit-print-color-adjust:exact}}