@layer base,components,responsive;
@layer base{:root{--ink:#102b43;--dark:#081f34;--navy:#0a3546;--mint:#35d2ad;--pale:#f4f8f9;--line:#dce6ea;--muted:#597184;--green:#078271}*{box-sizing:border-box}[hidden]{display:none!important}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font:15px/1.7 system-ui,-apple-system,Segoe UI,Arial,sans-serif}a{color:inherit;text-decoration:none}a:hover{text-decoration:underline}button{font:inherit}img{max-width:100%;height:auto}h1,h2,h3{line-height:1.2}h1{font-size:clamp(36px,4.8vw,62px);letter-spacing:-2px;margin:13px 0 19px}h2{font-size:clamp(28px,3.2vw,39px);letter-spacing:-1.2px;margin:13px 0 24px}h3{font-size:18px;margin:7px 0 11px}.container{width:min(1140px,calc(100% - 38px));margin:0 auto}p{margin:0 0 16px}.skip{position:absolute;left:-9999px;top:10px;padding:8px;background:#fff;color:var(--dark)}.skip:focus{left:12px;z-index:99}::selection{background:#a1edd8;color:#0b2c40}}
@layer components{.nav{background:var(--dark);color:#fff}.navinner{height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo{font-size:27px;font-weight:900;letter-spacing:-1.5px}.logo span{color:#7de7c8}.navlinks{display:flex;gap:27px;font-size:13px;color:#e1ecf2}.navlinks a[aria-current="page"]{color:#81ebce;font-weight:800}.button{display:inline-flex;padding:13px 18px;border-radius:11px;font-size:13px;font-weight:850;align-items:center;justify-content:center;background:var(--mint);color:#073a32;border:0;cursor:pointer}.button:hover{text-decoration:none;filter:brightness(.96)}.button.secondary{background:transparent;border:1px solid #8aa9b5;color:#fff}.hero{background:linear-gradient(115deg,#071b30,#0c3648 73%,#114e54);color:#fff;padding:86px 0 95px;overflow:hidden}.herogrid{display:grid;grid-template-columns:1.16fr .84fr;gap:28px;align-items:center}.eyebrow,.kicker{font-size:11px;font-weight:900;letter-spacing:2px;text-transform:uppercase;color:#15917b}.hero .eyebrow{color:#83e7c9}.hero h1 em{font-style:normal;color:#8aebcb}.hero p{color:#d1e0e8;font-size:17px;max-width:555px}.actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}.mock{height:325px;position:relative}.plastic{position:absolute;left:8%;top:2%;width:302px;height:193px;padding:25px;border-radius:19px;background:linear-gradient(130deg,#38c7a8,#0a6276);box-shadow:0 28px 70px #0005;display:flex;flex-direction:column;justify-content:space-between;transform:rotate(-11deg)}.plastic:nth-child(2){top:32%;left:24%;background:linear-gradient(130deg,#305881,#082137);transform:rotate(13deg)}.plastic strong{font-size:20px}.plastic small{font-size:10px;letter-spacing:2px}.chip{width:37px;height:27px;background:#c5e8d8;border-radius:6px}.trust{border-bottom:1px solid var(--line);padding:22px 0;display:flex;justify-content:space-between;gap:15px;color:var(--muted);font-size:12px}.trust b{color:#078f74}.section{padding:74px 0}.section.alt{background:var(--pale)}.lead{font-size:16px;color:var(--muted);max-width:760px;line-height:1.8}.sectionrow{display:flex;justify-content:space-between;align-items:end;gap:22px;margin-bottom:23px}.sectionrow h2{margin-bottom:0}.small{font-size:12px;color:var(--muted)}.breadcrumbs{font-size:12px;color:#627e8d;padding:27px 0}.breadcrumbs a{text-decoration:underline}.quickgrid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:15px}.card{background:#fff;border:1px solid var(--line);border-radius:17px;overflow:hidden;min-width:0;box-shadow:0 4px 22px #0b35520a}.cardbody{padding:18px}.cardart{height:148px;background:linear-gradient(145deg,#dbeee8,#e8f3f1);display:flex;align-items:center;justify-content:center;padding:16px}.minicard{width:175px;height:105px;max-width:100%;background:linear-gradient(125deg,#146979,#052e43);color:white;display:flex;flex-direction:column;justify-content:space-between;padding:13px;border-radius:11px;box-shadow:0 12px 25px #0b304335;transform:rotate(-7deg)}.minicard span{font-size:9px;letter-spacing:1px;opacity:.72}.minicard strong{font-size:15px}.card:nth-child(2) .minicard{background:linear-gradient(130deg,#253957,#0e2136)}.card:nth-child(3) .minicard{background:linear-gradient(130deg,#2ba78a,#076064)}.card:nth-child(4) .minicard{background:linear-gradient(130deg,#524e87,#182b55)}.type{color:#078673;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:1px}.cardbody h3 a:hover{color:#078673}.summary{font-size:12px;line-height:1.65;color:var(--muted);min-height:62px}.metrics{display:grid;grid-template-columns:1fr 1fr;gap:10px;border-top:1px solid var(--line);padding:11px 0}.metrics dt{font-size:11px;color:var(--muted)}.metrics dd{margin:0;font-weight:850;font-size:13px;line-height:1.45}.textlink{font-weight:850;color:var(--green);font-size:13px}.sectionbottom{display:flex;align-items:center;justify-content:space-between;gap:25px;margin-top:23px}.warning{display:flex;gap:13px;align-items:start;margin:25px 0 0;padding:16px 19px;border:2px solid #a5d5c5;border-radius:13px;background:#eff8f3;font-size:13px;line-height:1.7;color:#254b44}.warning strong{font-size:15px;display:block;color:#143b30}.warning a{color:#065e51;text-decoration:underline}.wicon{color:#d83e36;font-size:23px}.guidegrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.guide{display:block;border:1px solid var(--line);border-radius:15px;padding:21px;background:white}.guide strong{display:block;margin-bottom:7px}.guide p{font-size:13px;color:var(--muted);margin:0}.filterbar{display:flex;flex-wrap:wrap;gap:9px;margin:24px 0}.filter{cursor:pointer;background:white;padding:11px 17px;border-radius:40px;border:1px solid var(--line);font-size:13px;font-weight:750;color:#294d5c}.filter[aria-pressed="true"]{background:var(--dark);border-color:var(--dark);color:white}.fullgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.fullgrid .card{display:grid;grid-template-columns:35% 65%}.fullgrid .cardart{height:100%;min-height:205px}.fullgrid .summary{min-height:0}.comparebox{background:white;border:1px solid var(--line);padding:19px;border-radius:15px;margin-top:22px}.choose{display:flex;align-items:center;gap:7px;font-size:12px;font-weight:700;cursor:pointer}.choose input{accent-color:var(--green)}.comparetable{border-collapse:collapse;width:100%;font-size:13px;min-width:600px}.comparetable th,.comparetable td{padding:12px;border-bottom:1px solid var(--line);text-align:left}.comparetable th{font-weight:800}.tablewrap{overflow-x:auto}.detailgrid{display:grid;grid-template-columns:1.1fr .9fr;align-items:center;gap:36px}.detailhero{background:#f2f8f8;padding:20px 0 55px}.detailhero .cardart{border-radius:20px;height:260px}.detailhero .minicard{transform:rotate(-7deg) scale(1.3)}.details{display:grid;grid-template-columns:1.35fr .85fr;gap:45px}.prose{max-width:800px}.prose p,.prose li{color:#4d6678;line-height:1.9}.prose h2{font-size:27px;margin-top:38px}.specgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:13px;margin:20px 0}.spec{border:1px solid var(--line);border-radius:12px;padding:15px}.spec span{display:block;color:var(--muted);font-size:11px}.spec strong{font-size:16px}.aside{background:#f3f8f8;border-radius:14px;padding:21px;align-self:start}.aside p{font-size:13px}.aside a{color:#007e69;word-break:break-word}.callout{background:#eaf6f1;padding:18px 20px;border-radius:16px}.editorial{max-width:820px}.footer{background:var(--dark);color:#d1e3ed;padding:46px 0}.footgrid{display:flex;justify-content:space-between;gap:30px}.footlinks{display:flex;gap:20px;font-size:13px}.legal{padding:15px 0;background:#eaf6f1;color:#3a6a5e;font-size:12px}.empty{border:1px dashed #adc8ca;padding:25px;border-radius:12px;color:#627687}}
@layer tools{.toolpanel{border:1px solid var(--line);border-radius:20px;background:linear-gradient(115deg,#f2fbf7,#fff);padding:26px;margin:25px 0}.toolpanel h2{margin:0 0 8px}.tooldesc{font-size:13px;color:var(--muted);margin-bottom:22px}.toolcontrols{display:grid;grid-template-columns:minmax(170px,1.1fr) minmax(180px,1fr);gap:18px;align-items:end}.toolcontrols label{display:block;font-weight:800;font-size:13px}.toolcontrols input,.toolcontrols select{display:block;width:100%;padding:12px;border:1px solid #aac7cc;border-radius:10px;margin-top:8px;font:inherit;color:var(--ink);background:white}.toolresult{margin-top:20px;padding:15px;background:#e0f4ec;border-radius:12px;color:#165b45}.toolresult strong{font-size:27px;display:block;line-height:1.3}.toolresult p{font-size:12px;margin:9px 0 0}.tooldetails{font-size:12px;margin-top:14px;color:#516d78}.tooldetails a{text-decoration:underline;color:#067c69}.tooltable{width:100%;border-collapse:collapse;margin-top:19px;font-size:13px}.tooltable th,.tooltable td{text-align:left;border-bottom:1px solid var(--line);padding:11px 9px}.tooltable td:last-child,.tooltable th:last-child{text-align:right}.related{padding:20px 22px;border:1px solid var(--line);border-radius:15px;margin-top:25px;background:#f8fbfb}.related ul{padding-left:21px;margin-bottom:0}.related li{margin:6px 0}.related a{color:#047b67;text-decoration:underline}.micro{font-size:12px;color:var(--muted);line-height:1.65}.inline-table{width:100%;border-collapse:collapse}.inline-table th,.inline-table td{text-align:left;padding:12px;border-bottom:1px solid var(--line)}:focus-visible{outline:3px solid #12a47f;outline-offset:3px}@media(max-width:650px){.toolcontrols{grid-template-columns:1fr}.toolpanel{padding:17px}.toolresult strong{font-size:23px}.tooltable th,.tooltable td{padding:8px 5px;font-size:12px}}}
@layer responsive{@media(max-width:900px){.navlinks{display:none}.herogrid,.detailgrid,.details{grid-template-columns:1fr}.mock{height:265px;width:min(100%,430px)}.quickgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:650px){.hero{padding:53px 0 25px}.section{padding:50px 0}.trust{flex-direction:column;gap:8px}.plastic{transform:rotate(-11deg) scale(.78);transform-origin:top left}.plastic:nth-child(2){transform:rotate(13deg) scale(.78);transform-origin:top left}.mock{height:220px}.sectionrow,.sectionbottom,.footgrid{flex-direction:column;align-items:flex-start}.quickgrid{gap:9px}.cardart{height:115px}.cardbody{padding:12px}.summary{min-height:92px}.metrics{grid-template-columns:1fr}.fullgrid{grid-template-columns:1fr}.fullgrid .card{grid-template-columns:37% 63%}.fullgrid .cardart{min-height:220px}.fullgrid .summary{min-height:unset}.specgrid{gap:9px}.spec{padding:12px}.spec strong{font-size:13px}.guidegrid{grid-template-columns:1fr}.footlinks{flex-wrap:wrap}.warning{font-size:12px}.button{font-size:12px}.nav .button{padding:10px 12px}}}

.sortbar{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;margin:0 0 20px}.sortbar label{display:flex;align-items:center;gap:10px;font-weight:750;font-size:13px}.sortbar select{padding:10px;border:1px solid #b8cfd3;border-radius:9px;background:white;font:inherit;max-width:100%}#annual-calc .toolcontrols{grid-template-columns:1.2fr 1fr auto}#annual-results .tooltable th:last-child,#annual-results .tooltable td:last-child{text-align:right}@media(max-width:850px){#annual-calc .toolcontrols{grid-template-columns:1fr}}@media(max-width:650px){.sortbar{align-items:start;flex-direction:column}.sortbar label{align-items:start;flex-direction:column}.toolpanel .tablewrap{overflow:auto}}


/* Calculator layout: high-contrast controls, readable results and strong mobile stacking. */
.toolpanel{max-width:1040px;border:1px solid #cfdfdf;border-radius:22px;background:linear-gradient(135deg,#f0fbf7 0%,#ffffff 84%);padding:clamp(20px,3vw,36px);box-shadow:0 16px 46px rgba(8,38,53,.045);margin:26px 0 34px}
.toolpanel h2{font-size:clamp(26px,3.3vw,34px);margin:0 0 13px}
.toolpanel .toolcontrols{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.85fr) auto;gap:16px;align-items:end;margin-bottom:24px}
#fx-calc .toolcontrols{grid-template-columns:minmax(0,1fr) auto}
#annual-calc .toolcontrols{grid-template-columns:minmax(0,1.2fr) minmax(0,.9fr) auto}
.toolpanel .toolcontrols label{display:flex;flex-direction:column;gap:7px;min-width:0;font-size:13px;font-weight:750;line-height:1.5;color:#183c50}
.toolpanel .toolcontrols input,.toolpanel .toolcontrols select{height:49px;min-width:0;width:100%;border:1px solid #b6d1d1;border-radius:11px;padding:11px 13px;background:white;color:#173e50;font:inherit;margin:0}
.toolpanel .toolcontrols button{height:49px;white-space:nowrap;padding:0 20px}
.toolpanel .tablewrap{max-width:100%;overflow-x:auto;border:1px solid #dbe8e7;border-radius:12px;background:#fff}
.toolpanel .tooltable{margin:0;width:100%;min-width:560px;border-collapse:collapse}
.toolpanel .tooltable thead{background:#e4f3ef}
.toolpanel .tooltable th,.toolpanel .tooltable td{padding:12px 15px;border-bottom:1px solid #e1eae9;font-size:13px}
.toolpanel .tooltable tbody tr:last-child>*{border-bottom:0}
.toolpanel .tooltable tbody tr:nth-child(even){background:#fafdfc}
.toolpanel .resultcaption{font-size:12px;color:#486b74;margin:4px 0 12px}
.toolpanel .resulttitle{font-size:16px;font-weight:850;margin:7px 0 12px}
.toolpanel .tooldetails{margin-top:18px}
@media(max-width:850px){#annual-calc .toolcontrols,#fx-calc .toolcontrols{grid-template-columns:minmax(0,1fr)}.toolpanel .toolcontrols button{width:100%}}
@media(max-width:600px){.toolpanel{padding:19px 15px;border-radius:16px}.toolpanel .tooltable th,.toolpanel .tooltable td{padding:10px 12px}.toolpanel .toolcontrols{gap:13px}.toolpanel .toolcontrols input,.toolpanel .toolcontrols select{font-size:16px}}