:root{--ink:#18324b;--forest:#174f86;--lime:#fff;--paper:#f3f5f7;--line:#d6dde4;--muted:#667789}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--paper);color:var(--ink);margin:0;font-family:Arial,Helvetica,sans-serif}button,input{font:inherit}button{color:inherit}.topbar{border-bottom:1px solid var(--line);justify-content:space-between;align-items:center;height:76px;padding:0 clamp(22px,5vw,72px);display:flex}.brand{color:var(--ink);letter-spacing:-1px;font-size:22px;font-weight:800;text-decoration:none}.brand span{color:#2878c7}.topbar nav{gap:24px;display:flex}.topbar nav a,footer a{color:var(--ink);font-size:12px;font-weight:700;text-decoration:none}.topbar nav a:hover,.topbar nav a[aria-current=page],footer a:hover{color:#2878c7}.privacy{color:var(--muted);align-items:center;gap:9px;font-size:12px;display:flex}.privacy span{background:#2878c7;border-radius:50%;width:8px;height:8px;box-shadow:0 0 0 4px #2878c71f}.hero{max-width:1180px;margin:auto;padding:76px 24px 50px}.eyebrow{color:#2878c7;letter-spacing:1.9px;margin:0 0 16px;font-size:11px;font-weight:800}.hero h1{letter-spacing:-4px;margin:0;font-family:Arial,Helvetica,sans-serif;font-size:clamp(48px,7vw,90px);font-weight:500;line-height:.9}.intro{max-width:520px;color:var(--muted);margin:28px 0 0;font-size:17px;line-height:1.55}.workspace{grid-template-columns:minmax(0,1.35fr) minmax(340px,.75fr);align-items:start;gap:18px;max-width:1180px;margin:0 auto;padding:0 24px 72px;display:grid}.card{border:1px solid var(--line);background:#fff;border-radius:8px;padding:34px;box-shadow:0 8px 30px #18324b0d}.section-title{text-align:left;border-bottom:1px solid #e1e6eb;margin-bottom:28px;padding-bottom:25px;display:block}h2{letter-spacing:-1px;margin:0;font-family:Arial,Helvetica,sans-serif;font-size:30px;font-weight:500}.section-title p{color:var(--muted);margin:5px 0 0;font-size:13px}.field-row{grid-template-columns:1fr 1fr;gap:20px;display:grid}label>span,legend{margin-bottom:8px;font-size:12px;font-weight:700;display:block}.input-wrap{background:#fff;border:1px solid #cbd4dd;border-radius:5px;align-items:center;gap:7px;height:54px;padding:0 15px;transition:all .2s;display:flex}.input-wrap:focus-within{border-color:#2878c7;box-shadow:0 0 0 3px #2878c71f}.input-wrap b{color:#6b7b8b;font-size:14px}.input-wrap input{width:100%;min-width:0;color:var(--ink);background:0 0;border:0;outline:0;font-size:21px;font-weight:700}.field-hint{color:var(--muted);margin-top:6px;font-size:10px;line-height:1.35;display:block}.utilization{margin:20px 0 30px}.utilization>div:first-child{color:var(--muted);justify-content:space-between;font-size:11px;display:flex}.utilization strong{color:var(--ink)}.track{background:#e3e8ed;border-radius:99px;height:6px;margin:8px 0;overflow:hidden}.track i{background:#2878c7;border-radius:99px;height:100%;transition:width .25s;display:block}.utilization small{color:var(--muted);font-size:11px}.range{appearance:none;accent-color:#2878c7;background:#dce3e9;border-radius:4px;width:100%;height:4px;margin:24px 0 0}.range::-webkit-slider-thumb{appearance:none;background:var(--forest);width:19px;height:19px;box-shadow:0 0 0 1px var(--forest);border:4px solid #fff;border-radius:50%}.range-labels{color:var(--muted);justify-content:space-between;margin-top:7px;font-size:10px;display:flex}fieldset{border:0;margin:30px 0 0;padding:0}.facility-choice{margin:0 0 12px}.facility-explanation{background:#f2f7fc;border-left:3px solid #2878c7;margin:0 0 24px;padding:14px 16px}.facility-explanation p,.scenario-warning{color:var(--muted);margin:0;font-size:11px;line-height:1.55}.facility-explanation strong,.scenario-warning strong{color:var(--ink)}.single-field{max-width:calc(50% - 10px);margin:0 0 26px;display:block}.scenario-warning{background:#f4f8fc;border:1px solid #b9d2ea;border-radius:5px;margin-top:14px;padding:12px 14px}.segmented{grid-template-columns:1fr 1fr;gap:10px;display:grid}.segmented button{color:var(--ink);text-align:left;cursor:pointer;background:#fff;border:1px solid #d4dce4;border-radius:5px;padding:15px}.segmented button.active{border:2px solid var(--forest);background:#eef5fb;padding:14px}.segmented strong,.segmented small{display:block}.advanced-toggle{border:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);cursor:pointer;background:0 0;justify-content:space-between;align-items:center;width:100%;margin-top:30px;padding:17px 0;font-size:12px;font-weight:700;display:flex}.advanced-toggle b{font-size:22px;font-weight:400}.advanced-panel{gap:22px;padding-top:24px;display:grid}.segmented strong{font-size:13px}.segmented small{color:var(--muted);margin-top:5px;font-size:10px}.results{background:var(--forest);color:#fff;border-color:var(--forest);position:sticky;top:18px}.results .section-title{border-color:#ffffff2e}.results .section-title p,.results .cost>span,.results .cost small,.results .result-grid span{color:#ffffffa6}.cost{padding:8px 0 28px}.cost>span,.cost strong,.cost small{display:block}.cost>span{font-size:12px}.cost strong{color:var(--lime);letter-spacing:-2px;margin:7px 0;font-family:Arial,Helvetica,sans-serif;font-size:48px;font-weight:500}.cost small{font-size:11px}.result-grid{border-top:1px solid #ffffff2e;border-bottom:1px solid #ffffff2e;grid-template-columns:1fr 1fr;gap:16px;padding:22px 0;display:grid}.cost-breakdown{border-top:1px solid #ffffff2e;grid-template-columns:1fr 1fr;gap:14px 20px;padding:20px 0;display:grid}.cost-breakdown div{justify-content:space-between;gap:12px;display:flex}.cost-breakdown span{color:#ffffffa6;font-size:10px}.cost-breakdown b{font-size:12px}.annualized{padding-top:22px}.annualized span,.annualized b,.annualized small{display:block}.annualized span{color:#ffffffa6;font-size:10px}.annualized b{margin:6px 0;font-size:26px}.annualized small{color:#ffffffa6;font-size:10px;line-height:1.45}.result-grid span,.result-grid b{display:block}.result-grid span{margin-bottom:8px;font-size:10px}.result-grid b{font-size:18px}.note{gap:12px;margin-top:23px;display:flex}.note>b{border:1px solid #ffffff73;border-radius:50%;flex:none;place-items:center;width:22px;height:22px;font-family:Arial,Helvetica,sans-serif;display:grid}.note p{color:#ffffff9e;margin:0;font-size:10px;line-height:1.5}.note strong{color:#fff;margin-bottom:3px;display:block}.comparison{background:#e8edf2;padding:66px max(24px,50vw - 566px)}.comparison-head{justify-content:space-between;align-items:end;gap:30px;margin-bottom:30px;display:flex}.comparison-head>p{color:var(--muted);max-width:290px;font-size:13px;line-height:1.5}.periods{grid-template-columns:repeat(4,1fr);gap:10px;display:grid}.periods button{text-align:left;cursor:pointer;background:#ffffff8c;border:1px solid #ced8e1;border-radius:6px;padding:22px;transition:all .2s}.periods button:hover,.periods button.selected{background:#fff;border-color:#2878c7;transform:translateY(-3px)}.periods span,.periods strong,.periods small,.periods i{display:block}.periods span{font-size:12px;font-weight:700}.periods strong{margin-top:22px;font-family:Arial,Helvetica,sans-serif;font-size:28px}.periods small{color:var(--muted);margin:4px 0 20px;font-size:10px}.periods i{color:var(--muted);border-top:1px solid #dbe2e8;padding-top:14px;font-size:11px;font-style:normal}.schedule-section{max-width:1180px;margin:auto;padding:34px 24px 70px}.info-section{grid-template-columns:1fr 1fr;gap:18px;max-width:1180px;margin:0 auto;padding:0 24px 54px;display:grid}.info-section>div{border:1px solid var(--line);background:#fff;border-radius:8px;padding:28px}.info-section h2,.legal-note h2{letter-spacing:-.4px;font-size:20px}.info-section p,.legal-note p{color:var(--muted);margin:10px 0 0;font-size:12px;line-height:1.65}.legal-note{background:#e8f1fa;border-left:4px solid #2878c7;max-width:1132px;margin:0 auto 54px;padding:28px}.seo-content{grid-template-columns:.9fr 1.1fr;gap:54px;max-width:1132px;margin:0 auto 54px;display:grid}.guide-preview{max-width:1132px;margin:0 auto 54px}.guide-preview-head{justify-content:space-between;align-items:end;margin-bottom:20px;display:flex}.guide-preview-head a{color:#2878c7;font-size:12px;font-weight:700;text-decoration:none}.guide-grid{grid-template-columns:repeat(3,1fr);gap:12px;display:grid}.guide-grid a{color:var(--ink);border:1px solid var(--line);background:#fff;border-radius:6px;padding:22px;text-decoration:none}.guide-grid strong,.guide-grid span{display:block}.guide-grid strong{margin-bottom:8px;font-size:15px}.guide-grid span{color:var(--muted);font-size:12px;line-height:1.5}.guide-index,.guide-article{max-width:920px;margin:0 auto;padding:72px 24px 64px}.guide-index>h1,.guide-article>h1{letter-spacing:-2.8px;max-width:800px;margin:10px 0 20px;font-size:clamp(40px,6vw,68px);font-weight:500;line-height:1.02}.kicker{color:#2878c7;letter-spacing:1.5px;margin:0;font-size:11px;font-weight:800}.lead,.article-intro{max-width:680px;color:var(--muted);font-size:18px;line-height:1.65}.guide-list{border-top:1px solid var(--line);margin-top:52px}.guide-list>a{color:var(--ink);border-bottom:1px solid var(--line);grid-template-columns:46px 1fr;gap:20px;padding:28px 0;text-decoration:none;display:grid}.guide-list>a>span{color:#2878c7;font-size:12px;font-weight:700}.guide-list h2{font-size:24px}.guide-list p{color:var(--muted);margin:8px 0;font-size:13px;line-height:1.55}.guide-list small{color:var(--muted);font-size:10px}.breadcrumb{color:var(--muted);gap:8px;margin-bottom:42px;font-size:11px;display:flex}.breadcrumb a{color:inherit}.article-intro p{margin:12px 0}.article-cta{background:var(--forest);color:#fff;border-radius:6px;justify-content:space-between;gap:24px;margin:42px 0 56px;padding:22px 24px;text-decoration:none;display:flex}.article-cta strong,.article-cta span{font-size:13px}.article-cta span{color:#ffffffb8}.article-body{max-width:720px}.article-body section{margin:0 0 48px}.article-body h2,.independence h2,.related-guides h2{font-size:28px;line-height:1.2}.article-body p,.article-body li,.independence p{color:#465d72;font-size:15px;line-height:1.75}.article-body ul{padding-left:20px}.independence{background:#f2f7fc;border:1px solid #b9d2ea;margin:58px 0;padding:28px}.related-guides{border-top:1px solid var(--line);padding-top:46px}.related-guides>div{grid-template-columns:repeat(3,1fr);gap:12px;margin-top:20px;display:grid}.related-guides a{color:var(--ink);border:1px solid var(--line);background:#fff;border-radius:6px;padding:18px;text-decoration:none}.related-guides strong,.related-guides span{display:block}.related-guides strong{font-size:13px;line-height:1.35}.related-guides span{color:var(--muted);margin-top:8px;font-size:10px;line-height:1.5}.content-legal{max-width:872px}.seo-content h2{letter-spacing:-.6px;font-size:26px}.seo-content p{color:var(--muted);margin:12px 0 0;font-size:13px;line-height:1.7}.faq details{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;padding:16px 28px 16px 0;font-size:13px;font-weight:700;line-height:1.4}.faq details p{margin:-4px 0 18px}.schedule-toggle{cursor:pointer;background:0 0;border:0;border-bottom:1px solid #cbd4dc;justify-content:space-between;width:100%;padding:18px 0;font-weight:700;display:flex}.schedule-toggle b{font-size:22px;font-weight:400}.table-wrap{background:#fff;max-height:420px;overflow:auto}table{border-collapse:collapse;width:100%;font-size:12px}th,td{text-align:right;border-bottom:1px solid #e3e8ed;padding:14px}th:first-child,td:first-child{text-align:left}th{color:var(--muted);text-transform:uppercase;background:#fff;font-size:10px;position:sticky;top:0}footer{max-width:1180px;color:var(--muted);border-top:1px solid #d4dce4;justify-content:space-between;margin:auto;padding:28px 24px 50px;font-size:10px;display:flex}footer p{color:var(--ink);margin:0;font-weight:700}@media (max-width:800px){.hero{padding-top:48px}.hero h1{letter-spacing:-2px}.intro{margin-left:0}.workspace{grid-template-columns:1fr}.results{position:static}.periods{grid-template-columns:1fr 1fr}.comparison-head{flex-direction:column;align-items:start}.info-section{grid-template-columns:1fr}.seo-content{grid-template-columns:1fr;gap:32px;padding:0 24px}.guide-preview{padding:0 24px}.guide-grid,.related-guides>div{grid-template-columns:1fr}.privacy{display:none}}@media (max-width:520px){.card{padding:24px 18px}.field-row{grid-template-columns:1fr;gap:14px}.single-field{max-width:none}.topbar nav{gap:14px}.article-cta{flex-direction:column;gap:6px}.segmented,.cost-breakdown{grid-template-columns:1fr}.cost strong{font-size:42px}.periods{grid-template-columns:1fr}.comparison{padding-top:48px;padding-bottom:48px}footer{flex-direction:column;gap:8px}}
