:root{--navy: #0f2a44;--navy-2: #091c30;--ink: #111827;--muted: #6b7280;--muted-2: #636b78;--warm-bg: #f8f7f4;--card: #ffffff;--line: #eae7e1;--line-2: #f3f1ec;--green: #047857;--warm-mut: #6f6a60;--foot-mut: #696459;--focus: #4d90fe;--on-navy-1: rgba(255, 255, 255, .95);--on-navy-2: rgba(255, 255, 255, .66);--on-navy-3: rgba(255, 255, 255, .35);--on-navy-fill: rgba(255, 255, 255, .07);--on-navy-border: rgba(255, 255, 255, .1);--fs-result: clamp(48px, 12vw, 72px);--fs-h1: clamp(30px, 7vw, 44px);--fs-h2: clamp(24px, 5vw, 32px);--fs-body: 16px;--fs-caption: 13px;--maxw: 640px;--radius: 8px;--radius-lg: 12px;--font: "Space Grotesk", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif}*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--font);font-size:var(--fs-body);line-height:1.6;color:var(--ink);background:var(--warm-bg);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}img,svg{vertical-align:middle}a{color:inherit}.tnum,.result-num,.result-stat-v,.bd-amt,.mini-num,.stat-num,.num{font-variant-numeric:tabular-nums}:focus-visible{outline:2px solid var(--focus);outline-offset:2px}input:focus-visible,select:focus-visible{outline-offset:-2px}::selection{background:#2d5a7b;color:#fff}.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;border-radius:0 0 8px;z-index:100}.skip:focus{left:0}.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}@media (max-width: 389px){.container{padding:0 16px}}.sw-header{position:sticky;top:0;z-index:50;background:#0f2a44f0;-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);border-bottom:1px solid rgba(255,255,255,.05);padding-top:env(safe-area-inset-top,0)}.sw-header .bar{max-width:var(--maxw);margin:0 auto;padding:0 24px;height:56px;display:flex;align-items:center;justify-content:space-between}.sw-brand{display:flex;align-items:center;gap:8px;text-decoration:none}.sw-brand .mark{width:22px;height:22px;border-radius:5px;background:#ffffff1f;display:grid;place-items:center;color:#fff;font-size:11px;font-weight:700}.sw-brand .name{font-size:15px;font-weight:700;letter-spacing:-.3px;color:#fff}.sw-nav{display:flex;gap:4px;align-items:center}.sw-nav a{font-size:13px;font-weight:500;color:var(--on-navy-2);text-decoration:none;padding:12px 8px;min-height:44px;display:flex;align-items:center}@media (hover: hover){.sw-nav a:hover{color:var(--on-navy-1)}}@media (max-width: 389px){.sw-header .bar{padding:0 16px}}.mini-bar{position:fixed;top:56px;left:0;right:0;z-index:49;background:#0a1c30f5;-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);border-bottom:1px solid rgba(255,255,255,.06);padding:10px 0;transform:translateY(-100%);opacity:0;pointer-events:none;transition:transform .18s ease,opacity .18s ease}.mini-bar.show{transform:translateY(0);opacity:1}.mini-bar .row{max-width:var(--maxw);margin:0 auto;padding:0 24px;display:flex;align-items:baseline;justify-content:space-between}.mini-bar .lbl{font-size:13px;font-weight:500;color:#ffffff73}.mini-num{font-size:20px;font-weight:700;color:#fff;letter-spacing:-.5px}.mini-bar .freq{font-size:13px;color:#ffffff59;margin-left:6px}.hero{background:linear-gradient(180deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding-bottom:80px}.breadcrumb{padding-top:20px;margin-bottom:8px;font-size:13px;color:#ffffff4d}.breadcrumb a{color:#ffffff80;text-decoration:none}@media (hover: hover){.breadcrumb a:hover{text-decoration:underline}}.breadcrumb .sep{margin:0 6px;opacity:.6}.badge{display:inline-block;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.8px;color:#ffffff80;background:#ffffff12;padding:5px 11px;border-radius:4px}.hero-title{font-size:var(--fs-h1);font-weight:700;line-height:1.05;letter-spacing:-1.5px;margin:16px 0 8px;text-wrap:balance}.hero-sub{font-size:15px;color:var(--on-navy-2);margin:0 0 32px;line-height:1.55;max-width:380px}.field{margin-bottom:16px}.field-label{display:block;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.8px;color:var(--on-navy-2);margin-bottom:8px}.field-box{display:flex;align-items:center;background:var(--on-navy-fill);border:1px solid var(--on-navy-border);border-radius:var(--radius);padding:0 16px;height:54px}.field-box .pre{font-size:20px;font-weight:600;color:var(--on-navy-3);margin-right:2px}.field-box input{flex:1;border:none;background:transparent;font-size:20px;font-weight:600;font-family:inherit;color:#fff;padding:0;min-width:0}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}.sel-wrap{position:relative}.sel-wrap select{width:100%;height:48px;border:1px solid var(--on-navy-border);border-radius:var(--radius);padding:0 32px 0 12px;font-size:16px;font-weight:500;font-family:inherit;color:#fff;background:var(--on-navy-fill);cursor:pointer;appearance:none;-webkit-appearance:none}.sel-wrap select option{color:#111827;background:#fff}.sel-wrap .chev{position:absolute;right:12px;top:50%;transform:translateY(-50%);pointer-events:none;color:#fff6}.state-note{font-size:13px;color:#fff6;margin-top:8px}.field-state{margin-bottom:36px}.seg{display:flex;border:1px solid var(--on-navy-border);border-radius:var(--radius);overflow:hidden;height:48px;background:#ffffff0a}.seg button{flex:1;border:none;font-size:13px;font-weight:600;font-family:inherit;cursor:pointer;background:transparent;color:var(--on-navy-2);transition:all .15s;border-radius:7px;margin:3px 2px}.seg button[aria-pressed=true]{background:#fff;color:var(--navy)}.field-static{display:flex;align-items:center;height:48px;border:1px solid var(--on-navy-border);border-radius:var(--radius);padding:0 12px;font-size:16px;font-weight:600;color:#fff;background:#ffffff0d}.result{background:#ffffff14;border:1px solid rgba(255,255,255,.14);border-radius:var(--radius-lg);padding:clamp(24px,5vw,36px);min-height:180px}.result-label{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:1.2px;color:#ffffff73;margin-bottom:12px}.result-num{font-size:var(--fs-result);font-weight:700;line-height:1;letter-spacing:-3px}.result-per{font-size:15px;font-weight:500;color:#ffffff73;margin-top:6px}.result-keep{font-size:13px;font-weight:500;color:#ffffff59;margin-top:16px}.result-stats{display:flex;gap:32px;align-items:baseline;margin-top:24px;padding-top:20px;border-top:1px solid rgba(255,255,255,.08)}.result-stat-l{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.5px;color:#ffffff59;margin-bottom:4px}.result-stat-v{font-size:20px;font-weight:700;letter-spacing:-.5px}.trust-line{text-align:center;font-size:13px;color:#ffffff59;padding-top:20px}.warm{background:var(--warm-bg)}.section{margin-top:64px}.section:first-child{margin-top:0}.sec-title{font-size:var(--fs-h2);font-weight:700;letter-spacing:-.8px;margin:0 0 8px;color:var(--ink)}.sec-sub{font-size:15px;color:var(--muted-2);margin:0 0 24px;line-height:1.5}.breakdown{background:var(--card);border-radius:var(--radius-lg);padding:clamp(20px,4vw,28px);margin-top:-48px;position:relative;z-index:2;box-shadow:0 4px 24px #00000014,0 0 0 1px #00000008}.bd-title{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.8px;color:var(--muted-2);margin-bottom:16px}.bd-row{display:flex;justify-content:space-between;align-items:baseline;padding:10px 0;border-bottom:1px solid var(--line-2)}.bd-row .k{font-size:15px;font-weight:400;color:var(--muted)}.bd-row .v{font-size:15px;font-weight:500;color:var(--muted)}.bd-row.gross .k{font-weight:500;color:var(--ink)}.bd-row.gross .v{font-weight:600;color:var(--ink)}.bd-total{display:flex;justify-content:space-between;align-items:baseline;padding:12px;margin:8px -12px 0;background:#0f2a4408;border-radius:var(--radius)}.bd-total .k{font-size:15px;font-weight:700;color:var(--navy)}.bd-total .v{font-size:17px;font-weight:700;color:var(--navy)}.result-actions{display:flex;align-items:center;justify-content:space-between;margin-top:16px;padding:0 4px}.copy-btn{display:flex;align-items:center;gap:6px;background:none;border:none;font-size:13px;font-weight:500;color:var(--muted-2);cursor:pointer;font-family:inherit;padding:12px 0;min-height:44px}.method-link{font-size:13px;color:var(--muted);text-decoration:none;padding:12px 0;min-height:44px;display:inline-flex;align-items:center}@media (hover: hover){.copy-btn:hover,.method-link:hover{color:var(--navy)}.method-link:hover{text-decoration:underline}}.state-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(155px,1fr));gap:8px}.state-cell{display:block;padding:12px;background:var(--card);border-radius:var(--radius);border:1px solid var(--line);text-decoration:none;min-height:48px;transition:border-color .15s,box-shadow .15s}.state-cell .nm{font-size:13px;font-weight:600;color:var(--ink);line-height:1.3}.state-cell .notax{font-size:11px;font-weight:600;color:var(--green);margin-top:3px}.state-cell .rate{font-size:11px;font-weight:500;color:var(--warm-mut);margin-top:3px}@media (hover: hover){.state-cell:hover{border-color:var(--navy);box-shadow:0 2px 8px #0000000f}}.state-cell:active{transform:scale(.98)}.tools-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(175px,1fr));gap:8px}.tool-card{display:block;padding:20px;background:var(--card);border-radius:var(--radius);border:1px solid var(--line);text-decoration:none;transition:border-color .15s,transform .15s,box-shadow .15s}.tool-card .ic{width:32px;height:32px;background:#f0eeea;border-radius:6px;display:grid;place-items:center;margin-bottom:12px;color:var(--muted)}.tool-card .t{font-size:15px;font-weight:700;color:var(--ink);margin-bottom:4px}.tool-card .d{font-size:13px;color:var(--muted-2);line-height:1.5}@media (hover: hover){.tool-card:hover{border-color:var(--navy);transform:translateY(-2px);box-shadow:0 4px 16px #0000000f}}.faq-item{margin-bottom:32px}.faq-item:last-child{margin-bottom:0}.faq-item h3{font-size:15px;font-weight:700;color:var(--ink);margin:0 0 8px;line-height:1.4}.faq-item p{font-size:15px;color:var(--muted);margin:0;line-height:1.65;text-wrap:pretty;max-width:520px}.prose{font-size:15px;color:var(--muted);line-height:1.7;max-width:600px}.prose h2{color:var(--ink);margin:28px 0 10px}.prose b{color:var(--ink)}.prose ol,.prose ul{padding-left:20px}.prose li{margin:6px 0}.fact-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:8px}.fact{padding:16px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius)}.fact h3{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.5px;color:var(--muted-2);margin:0 0 6px}.fact .num{font-size:24px;font-weight:700;color:var(--ink);letter-spacing:-.5px}.dtable{width:100%;border-collapse:collapse;font-size:14px}.dtable td{padding:9px 4px;border-bottom:1px solid var(--line);color:var(--muted)}.dtable td:last-child{text-align:right;color:var(--ink);font-variant-numeric:tabular-nums}.note-box{background:#0f2a440a;border-left:3px solid var(--navy);border-radius:0 8px 8px 0;padding:14px 16px;font-size:14px;color:#4b5563;margin:14px 0}.note-box b{color:var(--ink)}.sw-footer{margin-top:64px;border-top:1px solid #e8e5df;padding-top:32px;padding-bottom:max(48px,env(safe-area-inset-bottom,48px))}.foot-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(140px,1fr));gap:24px 32px;margin-bottom:32px}.foot-col h4{font-size:13px;font-weight:700;color:var(--ink);margin:0 0 12px}.foot-col .links{display:flex;flex-direction:column;gap:8px}.foot-col a{font-size:13px;color:var(--muted-2);text-decoration:none}@media (hover: hover){.foot-col a:hover{color:var(--ink)}}.foot-legal{padding-top:24px;border-top:1px solid var(--line-2)}.disclaimer{font-size:12px;color:var(--muted-2);line-height:1.65;max-width:480px}.copyright{font-size:12px;color:var(--foot-mut);margin-top:12px}.page-head{padding:32px 0 8px}.page-head .breadcrumb{color:var(--muted-2);padding-top:0}.page-head .breadcrumb a{color:var(--muted)}.page-head h1{font-size:var(--fs-h1);font-weight:700;letter-spacing:-1px;color:var(--ink);margin:8px 0;line-height:1.08}.page-head .lead{font-size:15px;color:var(--muted);max-width:560px;line-height:1.55}@media (pointer: coarse){.sw-nav a,.copy-btn,.method-link,.state-cell,.tool-card{min-height:48px}}.sw-header .bar{gap:12px}.sw-brand{flex:0 0 auto}.sw-nav{flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none;-ms-overflow-style:none;max-width:100%}.sw-nav::-webkit-scrollbar{display:none}.sw-nav a{flex:0 0 auto;white-space:nowrap;padding:12px 6px}.sw-nav a[aria-current=page]{color:var(--on-navy-1);box-shadow:inset 0 -2px #ffffff80}@media (min-width: 768px){.sw-nav a{padding:12px 8px}}.stat-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(120px,1fr));gap:8px}.stat{padding:18px 14px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);text-align:center}.stat .v{font-size:30px;font-weight:700;color:var(--navy);letter-spacing:-1px;font-variant-numeric:tabular-nums;line-height:1}.stat .l{font-size:12px;color:var(--muted-2);margin-top:6px;line-height:1.3}.price-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(248px,1fr));gap:16px}.price-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);padding:24px;display:flex;flex-direction:column}.price-card.featured{border-color:var(--navy);box-shadow:0 6px 28px #0f2a441f}.price-tag{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.8px;color:var(--muted-2)}.price-tag.best{color:var(--green)}.price-amount{font-size:40px;font-weight:700;color:var(--ink);letter-spacing:-1.5px;margin:6px 0 2px;font-variant-numeric:tabular-nums}.price-amount .unit{font-size:14px;font-weight:500;color:var(--muted-2);letter-spacing:0}.price-head{font-size:16px;font-weight:700;color:var(--ink);margin:0 0 14px}.price-list{list-style:none;padding:0;margin:0 0 20px;display:flex;flex-direction:column;gap:9px;flex:1}.price-list li{font-size:14px;color:var(--muted);line-height:1.5;padding-left:22px;position:relative}.price-list li:before{content:"✓";position:absolute;left:0;top:0;color:var(--green);font-weight:700}.price-cta{display:block;text-align:center;background:var(--navy);color:#fff;text-decoration:none;font-weight:600;padding:13px;border-radius:var(--radius);font-size:15px;transition:background .15s}@media (hover: hover){.price-cta:hover{background:#0c2236}}.price-sub{font-size:12px;color:var(--muted-2);text-align:center;margin-top:8px}.link-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px}.link-card{display:block;padding:18px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);text-decoration:none;transition:border-color .15s,transform .15s}@media (hover: hover){.link-card:hover{border-color:var(--navy);transform:translateY(-2px)}}.link-card h3{font-size:15px;font-weight:700;color:var(--ink);margin:0 0 4px}.link-card p{font-size:13px;color:var(--muted);margin:0;line-height:1.5}.cta-band{background:linear-gradient(180deg,var(--navy),var(--navy-2));color:#fff;border-radius:var(--radius-lg);padding:32px 28px;text-align:center}.cta-band h2{color:#fff;margin:0 0 8px;letter-spacing:-.5px}.cta-band p{color:var(--on-navy-2);margin:0 auto 18px;max-width:420px}.cta-band a{display:inline-block;background:#fff;color:var(--navy);text-decoration:none;font-weight:700;padding:13px 28px;border-radius:var(--radius)}.sw-nav{display:flex;align-items:center;gap:8px;min-width:0;flex:1;justify-content:flex-end}.sw-nav-scroll{display:flex;align-items:center;gap:4px;overflow-x:auto;min-width:0;scrollbar-width:none;-ms-overflow-style:none;-webkit-overflow-scrolling:touch}.sw-nav-scroll::-webkit-scrollbar{display:none}.sw-nav-scroll a{flex:0 0 auto;white-space:nowrap}.sw-nav-about{flex:0 0 auto;white-space:nowrap;font-weight:700;color:#fff;background:#ffffff1f;border:1px solid rgba(255,255,255,.18);border-radius:8px;padding:8px 14px;min-height:40px;display:inline-flex;align-items:center}@media (hover: hover){.sw-nav-about:hover{background:#fff3}}.sw-nav-about[aria-current=page]{background:#fff;color:var(--navy);border-color:#fff}.sw-nav{overflow:visible}.sw-nav a.sw-nav-about{padding:8px 14px;font-weight:700;color:#fff;background:#ffffff1f;border:1px solid rgba(255,255,255,.18);border-radius:8px;box-shadow:none}.sw-nav a.sw-nav-about[aria-current=page]{background:#fff;color:var(--navy);border-color:#fff;box-shadow:none}@media (hover: hover){.sw-nav a.sw-nav-about:hover{background:#fff3;color:#fff}}.dev-intro{display:flex;gap:22px;align-items:center;margin-top:4px}.dev-photo{width:128px;height:128px;border-radius:18px;object-fit:cover;flex:0 0 auto;border:1px solid var(--line);box-shadow:0 6px 22px #0f2a441f}.dev-intro-text{flex:1;min-width:0}.dev-intro-text .lead{margin:0}.dev-caption{font-size:14px;color:var(--muted-2);font-weight:600;margin:12px 0 0}@media (max-width: 560px){.dev-intro{flex-direction:column;align-items:flex-start;gap:16px}.dev-photo{width:104px;height:104px;border-radius:16px}}.qas{font-weight:500}.faq-item p.qas{color:var(--ink)}.hero .hero-sub.qas{color:#ffffffb8}