:root {
  --ink: #14201b;
  --muted: #5a6b63;
  --line: #d8e2dc;
  --bg: #f4f7f5;
  --card: #ffffff;
  --brand: #0f3d2e;
  --brand-2: #1a6b4f;
  --accent: #c8f071;
  --warn-bg: #fff6e0;
  --warn: #5c4200;
  --pro: #2a2a6a;
  --radius: 16px;
  --shadow: 0 12px 40px rgba(15, 61, 46, 0.08);
  --focus: 0 0 0 3px rgba(26, 107, 79, 0.25);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "DM Sans", system-ui, -apple-system, sans-serif;
  color: var(--ink);
  background:
    radial-gradient(1200px 500px at 10% -10%, #d9f5e4 0%, transparent 55%),
    radial-gradient(900px 400px at 100% 0%, #e8f0ff 0%, transparent 45%),
    var(--bg);
  line-height: 1.55;
}
img { max-width: 100%; height: auto; }
a { color: var(--brand-2); }
a:hover { color: var(--brand); }
.skip {
  position: absolute; left: -9999px; top: auto;
}
.skip:focus {
  left: 1rem; top: 1rem; z-index: 1000;
  background: white; color: var(--brand); padding: 0.6rem 0.9rem;
  border-radius: 8px; box-shadow: var(--shadow); outline: none;
}
.wrap { width: min(1080px, calc(100% - 2rem)); margin: 0 auto; }
header.site {
  padding: 1.1rem 0 0.4rem;
  display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap;
}
.logo {
  display: flex; align-items: center; gap: 0.65rem;
  text-decoration: none; color: inherit; font-weight: 700; letter-spacing: -0.02em;
}
.mark {
  width: 36px; height: 36px; border-radius: 10px;
  background: linear-gradient(145deg, var(--brand), var(--brand-2));
  color: var(--accent); display: grid; place-items: center;
  font-family: Fraunces, Georgia, serif; font-size: 1.05rem;
}
.nav { display: flex; flex-wrap: wrap; gap: 0.35rem 0.9rem; align-items: center; }
.nav a {
  text-decoration: none; color: var(--muted); font-size: 0.9rem; font-weight: 600;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--brand); }
.pill {
  font-size: 0.78rem; font-weight: 600; background: #e7f6ee; color: var(--brand);
  border: 1px solid #b9e0cb; padding: 0.35rem 0.7rem; border-radius: 999px; white-space: nowrap;
}
.hero { padding: 1.35rem 0 0.5rem; max-width: 42rem; display: grid; gap: 0.75rem; }
h1 {
  font-family: Fraunces, Georgia, serif;
  font-size: clamp(1.85rem, 4vw, 2.65rem);
  line-height: 1.12; letter-spacing: -0.03em; margin: 0;
}
h2 {
  font-family: Fraunces, Georgia, serif;
  font-size: clamp(1.25rem, 2.5vw, 1.55rem);
  letter-spacing: -0.02em; margin: 0 0 0.75rem;
}
.lede { margin: 0; color: var(--muted); font-size: 1.05rem; }
.grid {
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 1.25rem;
  padding: 1.5rem 0 2rem; align-items: start;
}
@media (max-width: 860px) { .grid { grid-template-columns: 1fr; } }
.card {
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius); box-shadow: var(--shadow); padding: 1.25rem;
}
.card h2 { margin-top: 0; font-size: 1.05rem; font-family: "DM Sans", system-ui, sans-serif; letter-spacing: -0.01em; }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.85rem; }
@media (max-width: 560px) { .row { grid-template-columns: 1fr; } }
label {
  display: grid; gap: 0.35rem; font-size: 0.86rem; font-weight: 600;
  color: var(--ink); margin-bottom: 0.85rem;
}
label .hint { font-weight: 400; color: var(--muted); font-size: 0.78rem; }
input, select, button, textarea { font: inherit; }
input[type="number"], input[type="text"], input[type="email"], select, textarea {
  width: 100%; border: 1px solid #c9d6cf; border-radius: 12px;
  padding: 0.75rem 0.85rem; background: #fbfdfc; color: var(--ink);
  outline: none; transition: border-color .15s, box-shadow .15s;
}
input:focus, select:focus, textarea:focus, button:focus-visible, a:focus-visible {
  border-color: var(--brand-2); box-shadow: var(--focus); outline: none;
}
.seg {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.4rem;
  background: #eef3f0; padding: 0.3rem; border-radius: 12px;
}
.seg input { position: absolute; opacity: 0; pointer-events: none; }
.seg label {
  margin: 0; text-align: center; padding: 0.65rem 0.4rem; border-radius: 10px;
  font-size: 0.82rem; cursor: pointer; color: var(--muted); font-weight: 600;
}
.seg input:checked + label {
  background: white; color: var(--brand); box-shadow: 0 1px 3px rgba(0,0,0,.08);
}
.seg input:focus-visible + label { box-shadow: var(--focus); }
.actions { display: flex; flex-wrap: wrap; gap: 0.6rem; margin-top: 0.4rem; }
.btn {
  appearance: none; border: none; border-radius: 12px; padding: 0.85rem 1.15rem;
  font-weight: 700; cursor: pointer; background: var(--brand); color: white;
  text-decoration: none; display: inline-block; text-align: center;
}
.btn:hover { background: #0c3226; color: white; }
.btn.secondary {
  background: white; color: var(--brand); border: 1px solid var(--line);
}
.btn.secondary:hover { background: #f3f8f5; color: var(--brand); }
.result-hero {
  background: linear-gradient(160deg, #0f3d2e, #1a6b4f); color: white;
  border-radius: 14px; padding: 1.15rem 1.2rem; margin-bottom: 1rem;
}
.result-hero .label { font-size: 0.82rem; opacity: 0.85; margin-bottom: 0.2rem; }
.result-hero .amount {
  font-family: Fraunces, Georgia, serif;
  font-size: clamp(2rem, 5vw, 2.6rem); letter-spacing: -0.03em; line-height: 1.1;
}
.result-hero .sub { margin-top: 0.45rem; font-size: 0.88rem; opacity: 0.9; }
.breakdown { display: grid; gap: 0.55rem; margin: 0 0 1rem; padding: 0; list-style: none; }
.breakdown li {
  display: flex; justify-content: space-between; gap: 1rem;
  padding: 0.55rem 0; border-bottom: 1px solid var(--line); font-size: 0.92rem;
}
.breakdown li:last-child { border-bottom: none; font-weight: 700; }
.muted { color: var(--muted); }
.note {
  background: var(--warn-bg); color: var(--warn); border: 1px solid #f0d58a;
  border-radius: 12px; padding: 0.75rem 0.9rem; font-size: 0.84rem; margin-top: 0.75rem;
}
.pro {
  margin-top: 1rem; border: 1px dashed #aab0e0;
  background: linear-gradient(180deg, #f7f8ff, #ffffff);
  border-radius: 14px; padding: 1rem;
}
.pro .tag {
  display: inline-block; background: var(--pro); color: white;
  font-size: 0.7rem; font-weight: 700; letter-spacing: 0.04em;
  padding: 0.25rem 0.5rem; border-radius: 999px; margin-bottom: 0.45rem;
}
.pro h3 { margin: 0 0 0.35rem; font-size: 1rem; }
.pro p { margin: 0 0 0.75rem; color: var(--muted); font-size: 0.9rem; }
.pro ul { margin: 0; padding-left: 1.1rem; color: var(--ink); font-size: 0.9rem; }
.section { padding: 0 0 2.25rem; }
.section > p { margin-top: 0; }
.rates { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.75rem; }
@media (max-width: 700px) { .rates { grid-template-columns: 1fr; } }
.rate-card, .tile {
  background: white; border: 1px solid var(--line); border-radius: 14px; padding: 1rem;
}
.rate-card strong, .tile strong { display: block; margin-bottom: 0.35rem; }
.rate-card span, .tile p { color: var(--muted); font-size: 0.88rem; margin: 0; }
.tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.75rem; }
@media (max-width: 800px) { .tiles { grid-template-columns: 1fr; } }
@media (min-width: 801px) and (max-width: 980px) { .tiles { grid-template-columns: repeat(2, 1fr); } }
.tile a { text-decoration: none; color: inherit; display: block; height: 100%; }
.tile:hover { border-color: #9fbfae; }
.prose { max-width: 42rem; }
.prose p, .prose li { color: var(--ink); }
.prose .muted, .prose p.muted { color: var(--muted); }
.prose ul, .prose ol { padding-left: 1.2rem; }
.prose table {
  width: 100%; border-collapse: collapse; background: white;
  border: 1px solid var(--line); border-radius: 12px; overflow: hidden; font-size: 0.92rem;
}
.prose th, .prose td { text-align: left; padding: 0.7rem 0.8rem; border-bottom: 1px solid var(--line); }
.prose th { background: #eef5f1; }
.faq details {
  background: white; border: 1px solid var(--line); border-radius: 12px;
  padding: 0.85rem 1rem; margin-bottom: 0.55rem;
}
.faq summary { font-weight: 600; cursor: pointer; }
.faq p { margin: 0.55rem 0 0; color: var(--muted); font-size: 0.92rem; }
footer.site {
  border-top: 1px solid var(--line); padding: 1.5rem 0 2.5rem;
  color: var(--muted); font-size: 0.84rem;
}
footer.site p { margin: 0.35rem 0; }
.foot-nav { display: flex; flex-wrap: wrap; gap: 0.75rem 1.1rem; margin: 0.75rem 0 1rem; }
.foot-nav a { color: var(--muted); text-decoration: none; font-weight: 600; }
.foot-nav a:hover { color: var(--brand); }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}