@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700;800&family=Manrope:wght@400;500;600;700;800&display=swap');:root{--ink:#112443;--text:#344762;--sub:#68798e;--line:#e3eaf1;--bg:#fff;--soft:#f4f8fc;--blue:#2565de;--blue2:#1c4fb4;--mint:#0ca77e;--shadow:0 16px 46px rgba(18,53,104,.10)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:'DM Sans',Arial,sans-serif;margin:0;color:var(--text);background:var(--bg);line-height:1.65}h1,h2,h3,h4{font-family:Manrope,Arial,sans-serif;color:var(--ink);line-height:1.23;letter-spacing:-.035em}a{text-decoration:none;color:inherit}button,input{font:inherit}.wrap{max-width:1160px;padding:0 24px;margin:0 auto}.site-head{height:80px;background:#fff;border-bottom:1px solid #eef1f6;position:sticky;top:0;z-index:10}.head-inner{height:100%;display:flex;align-items:center;justify-content:space-between}.brand{font-family:Manrope,sans-serif;display:flex;align-items:center;gap:10px;font-size:23px;color:var(--ink);font-weight:800;letter-spacing:-1.3px}.brand-mark{display:grid;place-items:center;background:var(--blue);color:white;width:37px;height:37px;border-radius:12px;font-size:24px;font-weight:800}.brand-accent{color:var(--blue)}nav{display:flex;align-items:center;gap:36px;font-size:14px;font-weight:700;color:#4e5d75}nav a:hover,.mobile-nav a:hover{color:var(--blue)}.menu-toggle,.mobile-nav{display:none}.hero{background:linear-gradient(120deg,#f3f8ff 0%,#fbfdff 58%,#eaf6f3 100%);overflow:hidden}.hero-grid{padding-top:91px;padding-bottom:94px;display:grid;grid-template-columns:1.05fr .95fr;gap:80px;align-items:center}.eyebrow,.section-kicker{font-size:11px;letter-spacing:1.4px;font-weight:800;color:var(--blue)}.eyebrow{display:inline-flex;align-items:center;gap:9px}.dot{width:8px;height:8px;border-radius:50%;background:var(--mint)}h1{font-size:clamp(40px,4.25vw,60px);margin:18px 0 24px;font-weight:800}h1 em{font-style:normal;color:var(--blue)}.hero p{font-size:17px;max-width:540px;color:#607189;line-height:1.9;margin:0 0 30px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.btn{border:0;display:inline-flex;gap:16px;justify-content:center;align-items:center;border-radius:10px;padding:14px 23px;font-size:13px;font-weight:800;cursor:pointer;transition:transform .2s,background .2s}.btn:hover{transform:translateY(-2px)}.btn-primary{background:var(--blue);color:white;box-shadow:0 7px 16px rgba(37,101,222,.2)}.btn-primary:hover{background:var(--blue2)}.btn-outline{border:1px solid #d7e2f0;background:#fff;color:var(--ink)}.hero-trust{display:flex;gap:20px;margin-top:27px;color:#71829a;font-size:12px;flex-wrap:wrap}.hero-panel{padding:30px 30px 17px;background:#fff;border:1px solid #edf2f7;border-radius:20px;box-shadow:var(--shadow);transform:rotate(1deg);max-width:470px;width:100%;justify-self:end}.panel-top{display:flex;gap:10px;align-items:center}.mini-icon{display:grid;place-items:center;width:35px;height:35px;border-radius:10px;background:#eaf1ff;color:var(--blue);font-size:21px;font-weight:800}.small-muted{font-size:10px;font-weight:800;letter-spacing:1px;color:#8695a9;flex:1}.pill{font-size:10px;color:var(--mint);background:#e8f8f2;padding:5px 10px;border-radius:20px;font-weight:800}.salary-preview{padding:23px 0 20px;border-bottom:1px solid var(--line)}.salary-preview small,.preview-total small{display:block;color:#8b97a8;font-weight:600;font-size:12px}.salary-preview strong{font-family:Manrope;font-size:31px;color:var(--ink)}.preview-line,.result-line{display:flex;justify-content:space-between;gap:10px;font-size:13px;padding:10px 0;color:#67758a}.preview-line b{font-weight:700;color:#34445d}.preview-total{background:#eaf8f3;border-radius:11px;padding:14px 17px;margin-top:13px}.preview-total strong{display:block;color:#068866;font-size:27px;font-family:Manrope;letter-spacing:-1px}.panel-link{display:block;text-align:center;font-size:12px;font-weight:800;color:var(--blue);padding:14px 0 0}.stats-band{border-bottom:1px solid #eaf0f6}.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);padding-top:29px;padding-bottom:29px}.stats-grid div{display:flex;align-items:center;justify-content:center;flex-direction:column;border-right:1px solid var(--line)}.stats-grid div:last-child{border:0}.stats-grid strong{color:var(--ink);font-size:24px;line-height:1.4;font-family:Manrope}.stats-grid span{font-size:12px;color:#8490a3}.section{padding-top:93px;padding-bottom:95px}.section-heading{display:flex;align-items:end;justify-content:space-between;margin-bottom:30px}h2{font-size:clamp(28px,3vw,38px);margin:12px 0 12px}p{margin:0 0 15px}.section-heading p{color:#8391a5;font-size:15px}.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:21px}.tool-card{display:flex;flex-direction:column;border:1px solid #e4ebf3;border-radius:15px;background:#fff;padding:28px;min-height:245px;transition:box-shadow .2s,transform .2s,border-color .2s}.tool-card:hover{transform:translateY(-4px);border-color:#ccdcf8;box-shadow:var(--shadow)}.tool-icon{width:47px;height:47px;display:inline-flex;align-items:center;justify-content:center;background:#eaf1ff;color:#3166c8;border-radius:13px;font-size:23px;font-weight:800;flex-shrink:0}.icon-shield,.icon-gift{background:#e8f7f1;color:#0da17e}.icon-bank{background:#f0ebff;color:#8356cb}.icon-chart{background:#fff3e9;color:#ef873b}.tool-card h3{font-size:17px;margin:22px 0 8px;letter-spacing:-.025em}.tool-card p{font-size:13px;line-height:1.7;color:#7a889d;flex:1}.card-link,.text-link{display:flex;align-items:center;justify-content:space-between;color:var(--blue);font-size:12px;font-weight:800;margin-top:15px}.section-soft{background:var(--soft)}.two-col{display:grid;grid-template-columns:1fr .85fr;gap:100px;align-items:center}.two-col>div>p{max-width:525px;font-size:15px;color:#73839b;line-height:1.9;margin-bottom:27px}.feature{display:flex;gap:18px;margin-top:23px}.feature>span{font:800 15px Manrope;color:var(--blue);background:#e5efff;border-radius:10px;display:flex;align-items:center;justify-content:center;width:42px;height:42px;flex-shrink:0}.feature strong{color:var(--ink);font-size:14px}.feature p{font-size:13px;color:#8190a1;margin:3px 0}.insight-card{background:linear-gradient(145deg,#193c76,#2366dc);color:white;border-radius:20px;padding:46px;min-height:350px;display:flex;flex-direction:column;justify-content:center}.insight-card .eyebrow{color:#a6d4ff}.insight-card h3{font-size:30px;color:#fff;line-height:1.3;margin:15px 0}.insight-card p{color:#c5d9f4;font-size:14px;line-height:1.9}.insight-card .text-link{color:white}.faq{max-width:890px}.faq h2{margin-bottom:30px}.faq details{border-bottom:1px solid var(--line);padding:17px 0}.faq summary{color:var(--ink);font-weight:800;cursor:pointer;font-size:15px}.faq details p{font-size:14px;color:#76869a;padding-top:10px;line-height:1.9}.footer-promo{background:#eaf2ff;text-align:center;padding:65px 20px}.footer-promo h2{font-size:27px}.footer-promo p{color:#6b7d96}.btn-light{background:white;color:var(--blue)}.site-footer{background:#122542;color:#b8c8dc;padding:65px 0 20px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:70px}.brand-footer{color:white}.footer-grid p{font-size:13px;max-width:320px;margin-top:19px;line-height:1.9}.footer-grid>div:not(:first-child){display:flex;flex-direction:column;gap:12px;font-size:13px}.footer-grid strong{color:#fff;font-size:14px;margin-bottom:8px}.footer-grid a:hover{color:white}.footer-bottom{padding-top:35px;margin-top:35px;border-top:1px solid #283b56;font-size:12px}.tool-hero{background:#f2f7ff;padding:50px 0 57px}.tool-hero h1{font-size:clamp(31px,3.4vw,43px);margin:12px 0}.tool-hero p{max-width:740px;font-size:15px;color:#72849b}.breadcrumbs{display:flex;gap:12px;align-items:center;color:#93a2b6;font-size:12px;margin-bottom:26px}.breadcrumbs a:hover{color:var(--blue)}.calculator-layout{display:grid;grid-template-columns:minmax(0,730px) minmax(230px,1fr);gap:35px;padding-top:53px;padding-bottom:95px}.calc-card,.result-card,.side-card,.article,.side-tip{border:1px solid var(--line);border-radius:16px}.calc-card{padding:30px;background:white}.calc-heading{display:flex;gap:16px;align-items:center;border-bottom:1px solid var(--line);padding-bottom:22px;margin-bottom:26px}.calc-heading h2{font-size:19px;margin:0 0 4px}.calc-heading p{font-size:12px;color:#8a97aa;margin:0}.calc-card label:not(.check){display:block;color:#34445d;font-size:13px;font-weight:800;margin:17px 0 8px}.input-wrap{height:51px;border:1px solid #dce5f0;border-radius:9px;display:flex;align-items:center;overflow:hidden;transition:border .2s}.input-wrap:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px #eaf1ff}.input-wrap span{color:#8192a7;padding-left:17px;font-weight:700}.input-wrap input{outline:none;border:0;width:100%;min-width:0;height:100%;padding:0 15px;color:var(--ink);font-weight:800;background:transparent}.input-row{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field-help,.small-note{color:#8a9aab;font-size:12px;line-height:1.8;margin:12px 0 20px}.check{display:flex;gap:9px;align-items:center;font-size:12px;margin:15px 0;color:#61738a}.check input{accent-color:var(--blue)}.full{width:100%;margin-top:6px}.result-card{margin-top:22px;padding:30px;background:#f5f9ff}.result-amount{font-family:Manrope;font-size:clamp(30px,4vw,43px);font-weight:800;color:var(--blue);letter-spacing:-1.5px;margin-top:14px;line-height:1.3;overflow-wrap:anywhere}.result-card>p{font-size:13px;color:#73839a}.result-line{border-bottom:1px solid #e2eaf4}.result-line strong{color:#314461;text-align:right}.result-foot{margin-top:20px;font-size:11px!important}.sidebar{display:flex;flex-direction:column;gap:22px}.side-card{padding:22px}.side-card h3{font-size:16px;margin:0 0 15px}.side-card a{display:flex;justify-content:space-between;gap:12px;padding:13px 0;border-top:1px solid var(--line);font-size:13px;color:#526780;font-weight:700}.side-card a:hover{color:var(--blue)}.side-tip{padding:22px;background:#edf7f2;border-color:#e1f1e9}.side-tip strong{color:#148566}.side-tip p{font-size:12px;margin-top:10px;color:#698879}.article{margin-top:24px;padding:34px;color:#54677e;line-height:1.9;background:#fff;font-size:14px}.article h2{font-size:24px;margin:0 0 14px}.article h3{font-size:17px;margin:25px 0 8px}.article p{margin-bottom:14px}.source-list{padding-left:20px}.source-list a,.legal a{color:var(--blue);text-decoration:underline}.legal{margin-top:50px;margin-bottom:70px;max-width:850px}.legal h2{margin-top:25px}.ad-container{border:1px dashed #dce3ed;border-radius:10px;margin-top:24px;padding:14px;text-align:center;min-height:90px}.ad-container small{color:#a3aebd}.empty-state{text-align:center;padding-top:110px;padding-bottom:110px}.empty-state h1{font-size:40px}@media(max-width:950px){.hero-grid{gap:35px}.two-col{gap:36px}.calculator-layout{grid-template-columns:minmax(0,1fr) 235px}.tool-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:700px){.wrap{padding-left:20px;padding-right:20px}.site-head{height:66px}.brand{font-size:21px}.brand-mark{height:34px;width:34px}nav{display:none}.menu-toggle{display:block;background:#edf3fc;border:0;border-radius:8px;padding:7px 11px;font-size:20px;color:var(--ink)}.mobile-nav.open{display:flex;flex-direction:column;padding:14px 20px;background:white;border-bottom:1px solid var(--line);box-shadow:var(--shadow);gap:12px;font-size:14px;font-weight:700}.hero-grid{grid-template-columns:1fr;padding-top:60px;padding-bottom:55px}.hero h1{font-size:41px}.hero p{font-size:15px}.hero-panel{justify-self:center;transform:none}.stats-grid{grid-template-columns:repeat(2,1fr);gap:22px}.stats-grid div:nth-child(2){border:0}.section{padding-top:60px;padding-bottom:65px}.tool-grid{grid-template-columns:1fr}.tool-card{min-height:215px}.two-col{grid-template-columns:1fr}.insight-card{padding:32px;min-height:270px}.insight-card h3{font-size:24px}.footer-grid{grid-template-columns:1fr 1fr;gap:30px}.footer-grid>div:first-child{grid-column:span 2}.calculator-layout{grid-template-columns:1fr;padding-top:24px;padding-bottom:55px}.calc-card,.result-card,.article{padding:23px}.tool-hero{padding:32px 0}.tool-hero h1{font-size:31px}.sidebar{order:2}.input-row{grid-template-columns:1fr}}@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}