:root{color:#101418;background:#f5f7f5;font-family:Inter,Segoe UI,Arial,sans-serif;font-size:16px;font-weight:400;line-height:1.5;--accent: #12806a;--accent-strong: #0d5f50;--accent-soft: #e7f4ef;--border: #d9dfdc;--border-strong: #aeb9b4;--danger: #c81e3a;--success: #087b55;--text-muted: #68716d;--surface: #ffffff;--surface-muted: #eef2ef}*{box-sizing:border-box}body{margin:0;min-width:320px;min-height:100vh;background:linear-gradient(180deg,#e7f4efa6,#f5f7f500 260px),#f5f7f5}a{color:inherit;text-decoration:none}button,input,select{font:inherit}code{color:#27312d;font-family:Cascadia Mono,Consolas,monospace;font-size:.9rem}.site-header{border-bottom:1px solid var(--border);background:#ffffffe6;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}.site-bar,.shell{width:min(1180px,calc(100vw - 32px));margin:0 auto}.site-bar{display:grid;grid-template-columns:auto 1fr;align-items:center;gap:22px;min-height:76px}.brand{color:#101418;font-size:1.35rem;font-weight:900;line-height:1;min-width:max-content}.primary-nav,.utility-nav{display:flex;align-items:center;flex-wrap:wrap}.primary-nav{justify-content:center;gap:6px}.nav-menu{position:relative}.nav-link{display:inline-flex;align-items:center;gap:7px;min-height:36px;padding:0 10px;border:1px solid transparent;color:#3f4945;font-size:.95rem;font-weight:700}.nav-link svg{width:16px;height:16px}.nav-link:hover,.nav-link.active,.nav-menu.active>.nav-link{border-color:var(--border);background:var(--surface-muted);color:#101418}.nav-menu-trigger .chevron{width:14px;height:14px}.nav-dropdown{position:absolute;top:calc(100% + 8px);left:0;z-index:20;display:none;min-width:190px;padding:6px;border:1px solid var(--border);background:#fff;box-shadow:0 12px 30px #1014181a}.nav-dropdown:before{content:"";position:absolute;left:0;right:0;top:-9px;height:9px}.nav-menu:hover .nav-dropdown,.nav-menu:focus-within .nav-dropdown{display:grid;gap:3px}.dropdown-link{justify-content:flex-start;width:100%}.shell{padding:42px 0 72px}.content{max-width:none}.page-heading{max-width:960px}.page-heading h1{margin:0 0 8px;color:#0d1210;font-size:2rem;line-height:1.15}.page-heading p,.simple-block p{margin:0 0 10px;color:var(--text-muted);font-size:1.02rem}hr{height:1px;margin:28px 0;border:0;border-top:1px solid var(--border)}.simple-block{max-width:980px;padding:20px 0 20px 18px;border-left:3px solid var(--border)}.simple-block+hr{margin-top:8px}.simple-block h2{margin:0 0 8px;font-size:1.25rem}.tool-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;margin-top:30px}.tool-tile{display:grid;align-content:start;gap:10px;min-height:170px;padding:18px;border:1px solid var(--border);background:#ffffffb8}.tool-tile:hover{border-color:var(--border-strong);background:#fff}.tool-tile svg{width:28px;height:28px;color:var(--accent)}.tool-tile strong{font-size:1.3rem}.tool-tile span{color:var(--text-muted)}.button{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:36px;padding:0 13px;border:1px solid var(--accent-strong);border-radius:4px;background:var(--accent);color:#fff;cursor:pointer;font-weight:800}.button:hover{background:var(--accent-strong)}.button.primary{border-color:var(--accent-strong);background:var(--accent)}.button svg,.icon-button svg{width:17px;height:17px}.tool-form{display:grid;gap:10px;max-width:580px}label{color:#101418;font-weight:800}input,select{width:100%;min-height:36px;border:1px solid var(--border-strong);border-radius:3px;background:#fff;color:#101418;padding:6px 9px}input:focus,select:focus{border-color:var(--accent);outline:2px solid rgba(18,128,106,.18);outline-offset:1px}.inline-control{display:flex;align-items:stretch;gap:10px}.inline-control input{max-width:320px}.small{margin:0;color:var(--text-muted);font-size:.92rem}.notice,.result{display:flex;align-items:center;gap:10px;max-width:780px;margin-bottom:18px;padding:12px 14px;border:1px solid var(--border);background:#fff}.result{margin-top:18px}.notice svg,.result svg{width:20px;height:20px;flex:0 0 auto}.muted{color:var(--text-muted)}.warning{border-color:#e3c47a;color:#8a5b0b;background:#fff9e8}.success{border-color:#b4dccb;color:var(--success);background:#f0faf5}.danger{border-color:#f0b5c0;color:var(--danger);background:#fff4f6}.danger-line,.danger-text{color:var(--danger)!important}.identity-list{display:grid;gap:0;max-width:900px;border-top:1px solid var(--border)}.identity-row{display:grid;grid-template-columns:minmax(160px,1fr) minmax(220px,auto) 38px;align-items:center;gap:14px;padding:13px 0;border-bottom:1px solid var(--border)}.identity-row div{display:grid;gap:2px}.identity-row span{color:var(--text-muted)}.icon-button{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border:1px solid var(--border-strong);border-radius:4px;background:#fff;color:#37413d;cursor:pointer}.icon-button:disabled{cursor:not-allowed;opacity:.45}.icon-button.copied{border-color:var(--success);color:var(--success)}.table-wrap{overflow-x:auto;border-top:1px solid var(--border)}table{width:100%;min-width:820px;border-collapse:collapse}th,td{padding:13px 12px;border-bottom:1px solid var(--border);text-align:left;white-space:nowrap}th{color:#202824;font-weight:850}tbody tr:nth-child(2n){background:#ffffffa6}td.empty{color:var(--text-muted);text-align:center}.calculator-grid{display:grid;grid-template-columns:repeat(4,minmax(150px,1fr));gap:16px;max-width:980px}.calculator-grid label{display:grid;gap:8px}.fee-results{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:18px;max-width:760px;margin-top:28px}.fee-results div{display:grid;gap:4px;padding:14px 0;border-top:2px solid var(--border)}.fee-results span{color:var(--text-muted)}.fee-results strong{font-size:1.35rem}.locked-calculator{grid-template-columns:minmax(180px,1.2fr) minmax(160px,1fr) minmax(140px,.8fr) minmax(140px,.8fr)}.exchange-calculator{grid-template-columns:minmax(220px,1.3fr) minmax(180px,1fr) minmax(180px,1fr) minmax(140px,.8fr)}.locked-rate{display:grid;gap:5px;min-height:36px;align-content:end;padding-top:1.9rem}.locked-rate span{color:var(--text-muted);font-weight:800}.locked-rate strong{font-size:1.2rem}.hidden{display:none!important}.rate-grid,.service-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px;margin-bottom:28px}.rate-card,.service-card{display:grid;gap:8px;padding:16px;border:1px solid var(--border);background:#ffffffb8}.rate-card strong{color:var(--accent-strong);font-size:1.8rem}.rate-card span,.rate-card small,.service-card p,.service-card span{color:var(--text-muted)}.service-card{grid-template-rows:1fr auto auto;min-height:210px}.service-card h2{margin:0 0 7px;font-size:1.2rem}.service-card p{margin:0}.service-card p+p{margin-top:8px}.service-card>strong{color:var(--accent-strong);font-size:1.55rem}.record-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:12px;max-width:820px;margin-top:16px}.record-card{display:grid;gap:4px;padding:14px;border:1px solid var(--border);background:#ffffffb8}.record-card>span{color:var(--text-muted);font-weight:800}.record-card strong{color:#101418;font-size:.9rem}.record-card code{color:#101418;font-size:1.6rem;font-weight:900}.win{color:var(--success)}.loss{color:var(--danger)}.option-note{max-width:760px;margin:16px 0 0;color:var(--text-muted)}.info-columns{display:grid;grid-template-columns:minmax(260px,.85fr) minmax(280px,1fr);gap:28px;max-width:1080px;margin-top:24px}.info-columns h2{margin:0 0 8px;font-size:1.25rem}.info-columns p{margin:0 0 12px;color:var(--text-muted)}.rate-list{display:grid;gap:0;margin:12px 0 0;padding:0;border-top:1px solid var(--border);list-style:none}.rate-list li{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid var(--border);color:var(--text-muted)}.rate-list strong{color:#101418}.insurance-rules .rate-list li{display:block}.note-list{display:grid;gap:10px;max-width:900px;color:var(--text-muted)}.note-list p{margin:0}.totp-card{display:inline-grid;gap:8px;min-width:250px;margin-top:24px;padding:16px 0}.totp-card span,.totp-card small{color:var(--text-muted)}.totp-card strong{color:#101418;font-family:Cascadia Mono,Consolas,monospace;font-size:2rem;letter-spacing:0}.totp-meter{width:250px;height:7px;overflow:hidden;background:#dfe7e2}.totp-meter span{display:block;height:100%;background:var(--accent)}.contact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;max-width:980px}.stock-hero{display:grid;place-items:center;min-height:clamp(360px,58vh,620px);text-align:center}.stock-bot-link{display:inline-flex;align-items:center;justify-content:center;gap:clamp(16px,3vw,30px);color:#101418;font-size:clamp(2.3rem,7vw,5.8rem);font-weight:900;line-height:1}.stock-bot-link img{width:clamp(58px,11vw,118px);height:clamp(58px,11vw,118px);object-fit:contain}.stock-hero p{margin:24px 0 0;color:var(--text-muted);font-size:1.1rem}.contact-grid.large-contact-grid{grid-template-columns:repeat(auto-fit,minmax(290px,1fr));gap:18px}.contact-card.large-contact-card{min-height:150px;grid-template-columns:74px 1fr;column-gap:18px;padding:20px}.contact-card{display:grid;grid-template-columns:46px 1fr;align-items:center;column-gap:12px;row-gap:2px;min-height:74px;padding:12px;border:1px solid var(--border);background:#ffffffb8;color:var(--text-muted)}.contact-card:hover{border-color:var(--border-strong);background:#fff}.contact-icon{grid-row:1 / 4;display:grid;place-items:center;width:46px;height:46px;border:1px solid color-mix(in srgb,var(--accent) 70%,#ffffff);background:color-mix(in srgb,var(--accent) 12%,#ffffff);color:var(--accent)}.contact-icon svg{width:23px;height:23px}.contact-icon img{width:28px;height:28px;object-fit:contain}.large-contact-card .contact-icon{width:74px;height:74px}.large-contact-card .contact-icon img{width:46px;height:46px}.contact-card strong{color:#101418;font-size:1.18rem}.contact-card span,.contact-card code{overflow-wrap:anywhere}@media(max-width:820px){.site-bar{grid-template-columns:1fr;align-items:stretch;gap:14px;padding:16px 0}.primary-nav{justify-content:flex-start}.nav-dropdown{position:static;display:none;min-width:100%;margin-top:4px;box-shadow:none}.shell{padding:30px 0 56px}.page-heading h1{font-size:1.65rem}.calculator-grid,.fee-results,.locked-calculator,.exchange-calculator,.info-columns{grid-template-columns:1fr}.inline-control{align-items:flex-start;flex-direction:column}.inline-control input{max-width:none}.identity-row{grid-template-columns:1fr 34px}.identity-row code{grid-column:1 / -1;order:3}.stock-bot-link{flex-direction:column}}