*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--bg:#F7F6F2;--surface:#fff;--surface2:#F0EFE9;--text:#1A1916;--muted:#6B6860;--accent:#1B4FD8;--green:#047857;--green-light:#ECFDF5;--border:#E5E3DC}
body{font-family:'Inter',sans-serif;background:var(--bg);color:var(--text);min-height:100vh;display:flex;flex-direction:column}
header{background:var(--surface);border-bottom:1px solid var(--border);padding:0 2rem;height:60px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:100;box-shadow:0 1px 3px rgba(0,0,0,.04)}
.logo{font-family:'Playfair Display',serif;font-size:22px;color:var(--accent);text-decoration:none}.logo em{font-style:italic}
.nav-links{display:flex;gap:1.25rem;align-items:center}.nav-links a{font-size:13px;text-decoration:none;color:var(--muted);font-weight:500}.nav-links a:hover{color:var(--accent)}
@media(max-width:520px){.nav-links a:not(.nav-home){display:none}}
.hero{background:linear-gradient(135deg,#1440B3,#1B4FD8);padding:2.5rem 2rem;text-align:center;color:white}
.hero-eyebrow{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.15em;color:rgba(255,255,255,.7);margin-bottom:.75rem}
.hero h1{font-family:'Playfair Display',serif;font-size:clamp(1.7rem,5vw,2.5rem);font-weight:700;line-height:1.15;margin-bottom:.5rem}.hero h1 em{font-style:italic}
.hero p{font-size:14px;color:rgba(255,255,255,.82);font-weight:300;max-width:480px;margin:0 auto}
main{flex:1;max-width:720px;margin:0 auto;width:100%;padding:2rem 1.5rem}
.calc-card{background:var(--surface);border:1px solid var(--border);border-radius:20px;padding:1.75rem;margin-bottom:1.5rem}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media(max-width:480px){.form-grid{grid-template-columns:1fr}}
.field{margin-bottom:.25rem}.field label{display:block;font-size:12px;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:.4rem}
.input-wrap{position:relative}.prefix{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:15px;pointer-events:none}
.suffix{position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:15px;pointer-events:none}
input[type="number"]{width:100%;padding:.75rem 1rem;border:1.5px solid var(--border);border-radius:10px;font-size:15px;font-family:'Inter',sans-serif;color:var(--text);background:var(--bg);outline:none;transition:border-color .2s}
input[type="number"]:focus{border-color:var(--accent);background:white}
input.has-prefix{padding-left:28px}input.has-suffix{padding-right:40px}
.savings-banner{background:var(--green-light);border:1px solid rgba(5,150,105,.3);border-radius:20px;padding:1.75rem;text-align:center;margin-bottom:1.5rem;display:none}
.savings-banner.show{display:block;animation:fadeUp .4s ease}
@keyframes fadeUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}
.savings-big{font-family:'Playfair Display',serif;font-size:clamp(2.5rem,8vw,3.5rem);font-weight:700;color:var(--green);line-height:1}
.savings-lbl{font-size:12px;color:var(--green);font-weight:600;text-transform:uppercase;letter-spacing:.06em;margin-bottom:.25rem;opacity:.8}
.savings-sub{font-size:13px;color:var(--green);margin-top:.25rem;opacity:.8}
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:1.25rem}
.c-col{background:white;border:1px solid rgba(5,150,105,.2);border-radius:14px;padding:1rem}
.c-col .c-title{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:.75rem}
.c-col .c-row{display:flex;justify-content:space-between;font-size:13px;margin-bottom:.4rem}
.c-col .c-row .c-val{font-weight:600;color:var(--text)}
.c-col.highlight .c-title{color:var(--green)}.c-col.highlight .c-val{color:var(--green)}
.ad-block{background:#f9f9f9;border:1px dashed #ddd;border-radius:12px;text-align:center;font-size:11px;color:var(--muted);margin-bottom:1.5rem;min-height:260px;display:flex;align-items:center;justify-content:center}
.content h2{font-family:'Playfair Display',serif;font-size:1.4rem;font-weight:400;margin:1.75rem 0 .75rem}
.content p{font-size:14px;color:#2C2B28;margin-bottom:1rem;line-height:1.7}
.content a{color:var(--accent);text-decoration:underline;text-underline-offset:2px}
.faq{margin:2rem 0}.faq h2{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:400;margin-bottom:1rem}
.faq-item{border-bottom:1px solid var(--border);padding:1rem 0}
.faq-item h3{font-size:14px;font-weight:600;margin-bottom:.4rem}
.faq-item p{font-size:13px;color:var(--muted);line-height:1.6;margin:0}
.related-box{background:var(--surface);border:1px solid var(--border);border-radius:16px;padding:1.5rem;margin-bottom:1.5rem}
.related-box h2{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:1rem}
.related-links{display:flex;flex-wrap:wrap;gap:.5rem}
.related-links a{padding:.5rem 1rem;background:var(--surface2);border:1px solid var(--border);border-radius:8px;font-size:13px;font-weight:500;text-decoration:none;color:var(--text)}.related-links a:hover{border-color:var(--accent);color:var(--accent)}
footer{background:var(--surface);border-top:1px solid var(--border);padding:1.5rem 2rem;text-align:center;font-size:12px;color:var(--muted)}
footer a{color:var(--accent);text-decoration:underline}
.affiliate-box{background:linear-gradient(135deg,#1a3c5e,#2563a8);color:white;border-radius:16px;padding:1.5rem;margin:1.5rem 0;text-align:center}
.affiliate-box h3{font-size:15px;font-weight:600;margin-bottom:.4rem}
.affiliate-box p{font-size:13px;opacity:.85;margin-bottom:1rem;line-height:1.5}
.affiliate-btn{display:inline-block;background:white;color:#1a3c5e;padding:.7rem 1.5rem;border-radius:10px;font-weight:600;font-size:14px;text-decoration:none}