@font-face{font-family:Poppins;font-style:normal;font-weight:400;font-display:swap;src:url(/assets/poppins-regular.e928a479ef.woff) format("woff")}@font-face{font-family:Poppins;font-style:normal;font-weight:500;font-display:swap;src:url(/assets/poppins-medium.86f20aa2d5.woff) format("woff")}@font-face{font-family:Poppins;font-style:normal;font-weight:700;font-display:swap;src:url(/assets/poppins-bold.8e1ac09830.woff) format("woff")}:root{--bg: #f5f7fb;--surface: #ffffff;--surface-2: #eef2f8;--surface-elevated: #ffffff;--text: #0b1e33;--text-muted: #46566c;--text-faint: #66778e;--border: #dfe5ee;--border-strong: #c9d3e0;--primary: #006c87;--primary-hover: #00536a;--primary-soft: #e2f3f7;--primary-ink: #ffffff;--btn: #00203c;--btn-hover: #0a3459;--btn-ink: #ffffff;--accent: #d9951f;--gold: #e8a327;--teal: #0a8fa8;--success: #15803d;--warning: #a95204;--danger: #c0262d;--danger-soft: #fdecec;--readout: #00203c;--readout-2: #06304f;--readout-text: #ffffff;--readout-muted: #a9c2d8;--readout-line: rgba(255, 255, 255, .14);--readout-accent: #f5b134;--seg-1: #0a8fa8;--seg-2: #f0ab2e;--seg-track: #e8edf4;--shadow-sm: 0 1px 2px rgba(11, 30, 51, .05);--shadow: 0 1px 2px rgba(11, 30, 51, .04), 0 6px 20px -8px rgba(11, 30, 51, .14);--shadow-lg: 0 24px 60px -20px rgba(0, 32, 60, .4);--focus: 0 0 0 3px rgba(0, 108, 135, .35);--r-sm: 8px;--r: 12px;--r-lg: 18px;--wrap: 1180px;--gutter: clamp(16px, 4vw, 32px);--font: "Segoe UI Variable Text", "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, "Noto Sans", sans-serif;--font-display: "Poppins", "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;--font-math: "Cambria Math", Cambria, "STIX Two Math", "Latin Modern Math", "Times New Roman", serif;color-scheme:light}:root[data-theme=dark]{--bg: #07121f;--surface: #0e1c2e;--surface-2: #13243a;--surface-elevated: #152841;--text: #e8edf6;--text-muted: #a8b6ca;--text-faint: #8596ad;--border: #1f334b;--border-strong: #2d4562;--primary: #45c6d8;--primary-hover: #74d8e6;--primary-soft: #0f3142;--primary-ink: #07121f;--btn: #45c6d8;--btn-hover: #74d8e6;--btn-ink: #07121f;--accent: #f5b134;--gold: #f5b134;--teal: #45c6d8;--success: #4ade80;--warning: #f5a524;--danger: #ff7b7f;--danger-soft: #3a1b24;--readout: #0f2c4a;--readout-2: #14385c;--readout-muted: #b3cbe0;--seg-1: #45c6d8;--seg-2: #f5b134;--seg-track: #1b2d45;--shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 8px 24px -10px rgba(0, 0, 0, .6);--shadow-lg: 0 24px 60px -20px rgba(0, 0, 0, .8);--focus: 0 0 0 3px rgba(69, 198, 216, .45);color-scheme:dark}@media(prefers-color-scheme:dark){:root:not([data-theme]){--bg: #07121f;--surface: #0e1c2e;--surface-2: #13243a;--text: #e8edf6;--text-muted: #a8b6ca;--border: #1f334b;--primary: #45c6d8;--primary-soft: #0f3142;--primary-ink: #07121f;--btn: #45c6d8;--btn-ink: #07121f;color-scheme:dark}}*,*:before,*:after{box-sizing:border-box}[hidden]{display:none!important}html{-webkit-text-size-adjust:100%;text-size-adjust:100%;scroll-padding-top:96px}body{margin:0;background:var(--bg);color:var(--text);font:400 1rem/1.6 var(--font);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}img,svg{display:block;max-width:100%}a{color:var(--primary);text-underline-offset:3px;text-decoration-thickness:1px}a:hover{color:var(--primary-hover)}:focus-visible{outline:none;box-shadow:var(--focus);border-radius:6px}h1,h2,h3{font-family:var(--font-display);line-height:1.2;letter-spacing:-.015em;margin:0 0 .5em;text-wrap:balance}h1{font-size:clamp(2rem,1.45rem + 2.4vw,3.05rem);font-weight:700;letter-spacing:-.025em}h2{font-size:clamp(1.3rem,1.15rem + .6vw,1.6rem);font-weight:650}h3{font-size:1.1rem;font-weight:650}p{margin:0 0 1em}.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 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h3{margin-bottom:6px}.benefits p{color:var(--text-muted);margin:0}.crumbs{padding-top:22px;font-size:.88rem}.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px;color:var(--text-faint)}.crumbs li+li:before{content:"/";margin-right:6px;color:var(--border-strong)}.crumbs a,.crumbs span{padding:4px 0;display:inline-block}.crumbs a{color:var(--text-muted);text-decoration:none;display:inline-block;padding:4px 0}.crumbs a:hover{color:var(--primary);text-decoration:underline}.page-head{padding:14px 0 24px}.page-head h1{margin-bottom:12px}.lede{font-size:1.1rem;color:var(--text-muted);max-width:68ch;margin:0}.calc{display:grid;gap:20px;align-items:start}.calc-form{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:clamp(18px,3vw,26px);box-shadow:var(--shadow-sm)}.fields{display:grid;grid-template-columns:1fr 1fr;gap:18px 14px}.field{grid-column:1 / -1;min-width:0}.field.half{grid-column:span 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input,.select,.search-field{flex:1;min-width:0;width:100%;border:0;background:transparent;color:var(--text);font:inherit;font-size:1.05rem;font-variant-numeric:tabular-nums;padding:10px 12px;border-radius:var(--r-sm)}.input-box input:focus,.select:focus{outline:none;box-shadow:none}input[type=date]{min-height:46px}.select{appearance:none;-webkit-appearance:none;border:1px solid var(--border-strong);min-height:48px;padding-right:38px;background-image:linear-gradient(45deg,transparent 50%,var(--text-faint) 50%),linear-gradient(135deg,var(--text-faint) 50%,transparent 50%);background-position:calc(100% - 20px) 21px,calc(100% - 15px) 21px;background-size:5px 5px;background-repeat:no-repeat;background-color:var(--surface);cursor:pointer}.select:focus{border-color:var(--primary);box-shadow:var(--focus)}.select option{background:var(--surface);color:var(--text)}.segment{display:flex;background:var(--surface-2);border-radius:var(--r-sm);padding:4px;gap:4px}.segment 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var(--readout-accent);background:var(--readout);color:var(--readout-text);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);overflow:hidden}.res{padding:clamp(20px,3.4vw,30px)}.res-label{margin:0 0 6px;color:var(--readout-muted);font-weight:550;font-size:.95rem}.res-value{margin:0;font-family:var(--font-display);font-weight:700;font-size:clamp(2.3rem,1.6rem + 3vw,3.3rem);line-height:1.08;letter-spacing:-.03em;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}.res-hint{margin:8px 0 0;color:var(--readout-muted);font-size:.95rem}.res-wait{margin:0;font-size:1.05rem;color:var(--readout-text)}.metrics{margin:22px 0 0;display:grid;gap:0}.metric{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:12px 0;border-top:1px solid var(--readout-line)}.metric dt{color:var(--readout-muted);font-size:.93rem}.metric dd{margin:0;text-align:right;font-weight:650;font-variant-numeric:tabular-nums;font-size:1.02rem;overflow-wrap:anywhere}.metric-hint{display:block;font-weight:400;font-size:.8rem;color:var(--readout-muted)}.res-note{margin:14px 0 0;padding-top:14px;border-top:1px solid var(--readout-line);font-size:.88rem;color:var(--readout-muted);line-height:1.5}.readout-actions{display:flex;flex-wrap:wrap;gap:4px;padding:10px 14px;background:var(--readout-2)}.readout-actions .btn{background:transparent;border-color:transparent;color:var(--readout-text);min-height:40px;padding:0 12px;font-size:.9rem}.readout-actions .btn:hover{background:#ffffff1a}.readout-actions .btn[aria-pressed=true] svg{fill:currentColor}@keyframes flash{0%{opacity:.35;transform:translateY(3px)}to{opacity:1;transform:none}}@media(min-width:900px){.calc{grid-template-columns:minmax(0,1fr) 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