:root{--ink:#101828;--muted:#5f6f89;--line:#d7e0ee;--paper:#f7fafc;--surface:#fff;--soft:#eef8f6;--accent:#00a896;--accent-strong:#037971;--blue:#2563eb;--sun:#f6b73c;--coral:#f9735b;--danger:#c24152;--shadow:0 22px 70px #10182824}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:linear-gradient(90deg, #2563eb0e 1px, transparent 1px), linear-gradient(#00a8960e 1px, transparent 1px), var(--paper);background-size:42px 42px;margin:0;font-family:Arial,Helvetica,sans-serif;line-height:1.5}a{color:inherit;text-decoration:none}.shell{width:min(1120px,100% - 32px);margin:0 auto}.site-header{z-index:10;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);background:#ffffffdb;border-bottom:1px solid #d7e0eecc;position:sticky;top:0}.header-layout,.footer-layout{justify-content:space-between;align-items:center;gap:20px;min-height:72px;display:flex}.brand{align-items:center;gap:12px;min-width:0;display:inline-flex}.brand-mark{object-fit:contain;border-radius:12px;flex:none;width:42px;height:42px;box-shadow:0 10px 24px #00a89640}.brand strong,.brand small{display:block}.brand strong{font-size:1rem;line-height:1.1}.brand small{color:var(--muted);font-size:.78rem}.top-nav{color:var(--muted);flex-wrap:wrap;gap:8px;font-size:.92rem;font-weight:700;display:flex}.top-nav a{border-radius:999px;padding:8px 10px}.top-nav a:hover{color:#fff;background:var(--ink)}.hero{background:radial-gradient(circle at 20% 18%,#f6b73c47,#0000 28%),linear-gradient(135deg,#00a8962e,#2563eb1f 55%,#f9735b24),#fbfdff;padding:92px 0 60px;position:relative;overflow:hidden}.tool-hero{background:radial-gradient(circle at 12% 20%,#f6b73c38,#0000 26%),linear-gradient(135deg,#00a89629,#2563eb1a),#fbfdff;padding:24px 0 16px;position:relative;overflow:hidden}.tool-hero:after{content:"";background:linear-gradient(90deg, var(--accent), var(--sun), var(--coral), var(--blue));height:5px;position:absolute;inset:auto 0 0}.tool-hero .section-heading{margin-bottom:0}.tool-hero h1{max-width:760px;margin-bottom:8px;font-size:clamp(1.65rem,2.5vw,2.35rem);line-height:1.12}.tool-hero .section-heading p:not(.eyebrow){max-width:760px;margin-bottom:0;font-size:.95rem}.hero:after{content:"";background:linear-gradient(90deg, var(--accent), var(--sun), var(--coral), var(--blue));height:7px;position:absolute;inset:auto 0 0}.hero-grid{grid-template-columns:minmax(0,1.15fr) minmax(280px,.85fr);align-items:center;gap:40px;display:grid}.eyebrow{color:var(--accent-strong);letter-spacing:0;text-transform:uppercase;margin:0 0 10px;font-size:.8rem;font-weight:800}h1,h2,h3,p{margin-top:0}h1{letter-spacing:0;max-width:820px;margin-bottom:18px;font-size:clamp(2.75rem,6vw,5.6rem);line-height:1.02}h2{letter-spacing:0;margin-bottom:10px;font-size:2rem;line-height:1.15}h3{letter-spacing:0;margin-bottom:8px;font-size:1.05rem;line-height:1.25}.hero-copy p:not(.eyebrow),.section-heading p{max-width:690px;color:var(--muted);font-size:1.05rem}.hero-copy p:not(.eyebrow){color:#42526c;max-width:620px;font-size:1.18rem}.hero-actions{flex-wrap:wrap;gap:12px;margin-top:28px;display:flex}.button{cursor:pointer;border:1px solid #0000;border-radius:999px;justify-content:center;align-items:center;min-height:44px;padding:0 18px;font-weight:800;transition:transform .15s,box-shadow .15s,background .15s;display:inline-flex}.button:hover{transform:translateY(-1px)}.button.primary{color:#05121f;background:linear-gradient(135deg, var(--sun), #57e0d2);box-shadow:0 14px 28px #00a89633}.button.primary:hover{background:linear-gradient(135deg,#ffc857,#40d7c8)}.button.secondary{background:#fffc;border-color:#10182824}.hero-panel{box-shadow:var(--shadow);-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);background:#ffffffbd;border:1px solid #ffffffb8;border-radius:18px;gap:14px;padding:22px;display:grid}.hero-panel div{border-left:5px solid var(--accent);background:linear-gradient(135deg,#fffffff0,#eef8f6db);border-radius:12px;padding:16px}.hero-panel div:nth-child(2){border-left-color:var(--sun)}.hero-panel div:nth-child(3){border-left-color:var(--coral)}.panel-label{color:var(--muted);text-transform:uppercase;margin-bottom:4px;font-size:.78rem;font-weight:800;display:block}.section{padding:64px 0}.tool-hero+.section{padding-top:24px}.section.muted{background:linear-gradient(135deg,#00a89617,#2563eb12),#f1f8fb}.section-heading{margin-bottom:26px}.section-heading.compact{margin-bottom:20px}.calculator-layout{grid-template-columns:minmax(260px,360px) minmax(0,1fr);align-items:start;gap:18px;display:grid}.tool-form,.results,.tool-card{background:var(--surface);border:1px solid #d7e0eee6;border-radius:16px}.tool-form{gap:10px;padding:14px;display:grid;box-shadow:0 16px 45px #10182814}label{color:var(--muted);gap:5px;font-size:.82rem;font-weight:800;display:grid}input{border:1px solid var(--line);width:100%;min-height:36px;color:var(--ink);font:inherit;background:#fff;border-radius:9px;padding:7px 10px;transition:border-color .15s,box-shadow .15s}select{border:1px solid var(--line);width:100%;min-height:36px;color:var(--ink);font:inherit;background:#fff;border-radius:9px;padding:7px 10px}input:focus{border-color:var(--accent);outline:3px solid #0f766e2e}.mini-fieldset{border:1px solid #d7e0eee6;border-radius:12px;gap:8px;margin:0;padding:10px;display:grid}.mini-fieldset legend{color:var(--accent-strong);padding:0 6px;font-size:.78rem;font-weight:800}.results{box-shadow:var(--shadow);overflow:hidden}.result-hero{color:#fff;background:linear-gradient(135deg, #00a896f0, #2563ebe6), var(--accent-strong);gap:4px;padding:16px 18px;display:grid}.result-hero span{opacity:.86;font-size:.86rem;font-weight:800}.result-hero strong{letter-spacing:0;font-size:clamp(1.65rem,3.2vw,2.4rem);line-height:1}.breakdown{margin:0;display:grid}.breakdown div{border-top:1px solid #d7e0eed1;justify-content:space-between;align-items:baseline;gap:12px;padding:9px 14px;display:flex}.breakdown dt{color:var(--muted);flex:auto;min-width:0;font-size:.86rem;font-weight:700;line-height:1.35}.breakdown dd{text-align:right;word-break:break-word;flex:none;max-width:65%;margin:0;font-size:.9rem;font-weight:800;line-height:1.35}.breakdown .negative dd{color:var(--danger)}.tool-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;display:grid}.tool-card{min-height:170px;padding:18px;transition:transform .15s,box-shadow .15s,border-color .15s;position:relative;overflow:hidden}.tool-card:before{content:"";background:linear-gradient(90deg, var(--accent), var(--sun), var(--coral));height:4px;position:absolute;inset:0 0 auto}.tool-card:hover{border-color:#00a89675;transform:translateY(-3px);box-shadow:0 18px 45px #1018281c}.tool-card span{color:#042f2e;background:#00a89621;border-radius:999px;margin-bottom:18px;padding:4px 8px;font-size:.75rem;font-weight:800;display:inline-block}.section.muted .tool-card span{background:#fff}.tool-card.active{background:linear-gradient(180deg, #00a89614, #fffffff5 38%), var(--surface);border-color:#00a8968c}.tool-card p,.steps{color:var(--muted)}.roadmap{grid-template-columns:minmax(240px,.8fr) minmax(0,1.2fr);gap:28px;display:grid}.content-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;display:grid}.content-grid article{background:#ffffffc7;border:1px solid #d7e0eee6;border-radius:16px;padding:22px}.trust-section{padding-top:36px}.trust-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.trust-card{background:#ffffffd1;border:1px solid #d7e0eee6;border-radius:16px;padding:18px}.trust-card h2{margin-bottom:8px;font-size:1.2rem}.trust-card p{color:var(--muted);margin-bottom:0;font-size:.92rem}.link-list{gap:8px;margin:0;padding:0;list-style:none;display:grid}.link-list a{color:var(--accent-strong);font-size:.92rem;font-weight:800}.steps{margin:0;padding-left:24px}.steps li+li{margin-top:12px}.site-footer{color:#d6e1ee;background:#101828;border-top:1px solid #d7e0eee6}.site-footer p{margin:0}.footer-layout{justify-content:space-between;align-items:center;gap:24px;padding:32px 0;display:flex}.footer-nav{flex-wrap:wrap;align-items:center;gap:16px 20px;display:flex}.footer-nav a{color:#8df2e6;font-size:.9rem;font-weight:600;text-decoration:none;transition:color .2s}.footer-nav a:hover{color:#fff;text-decoration:underline}.site-footer a,.site-footer span{font-weight:700}.faq-section{padding:48px 0}.faq-list{flex-direction:column;gap:14px;max-width:860px;margin:24px auto 0;display:flex}.faq-item{background:var(--surface);border:1px solid var(--line);border-radius:16px;transition:border-color .2s,box-shadow .2s;overflow:hidden}.faq-item[open]{border-color:#00a89680;box-shadow:0 8px 24px #1018280f}.faq-question{color:var(--ink);cursor:pointer;-webkit-user-select:none;user-select:none;justify-content:space-between;align-items:center;gap:16px;padding:18px 24px;font-size:1.05rem;font-weight:700;list-style:none;display:flex}.faq-question::-webkit-details-marker{display:none}.faq-icon{color:var(--accent-strong);font-size:1.3rem;font-weight:400;transition:transform .2s}.faq-item[open] .faq-icon{transform:rotate(45deg)}.faq-answer{color:var(--muted);padding:0 24px 20px;font-size:.96rem;line-height:1.6}.faq-answer p{margin:0}.rate-table-card{background:var(--surface);border:1px solid var(--line);border-radius:20px;margin:32px 0;padding:28px;box-shadow:0 10px 30px #1018280a}.rate-table-header h3{margin:0 0 6px;font-size:1.25rem}.rate-table-header p{color:var(--muted);margin:0 0 18px;font-size:.92rem}.rate-table-wrap{overflow-x:auto}.rate-table{border-collapse:collapse;text-align:left;width:100%;font-size:.94rem}.rate-table th{background:var(--paper);color:var(--muted);border-bottom:2px solid var(--line);padding:12px 16px;font-weight:700}.rate-table td{border-bottom:1px solid var(--line);color:var(--ink);padding:14px 16px}.rate-table tr:last-child td{border-bottom:none}.rate-table .rate-value strong{color:var(--accent-strong)}.rate-table .rate-detail{color:var(--muted);font-size:.88rem}.calculator-actions{border-top:1px dashed var(--line);flex-wrap:wrap;gap:10px;margin-top:18px;padding-top:16px;display:flex}.action-btn{cursor:pointer;border:1px solid var(--line);background:var(--surface);color:var(--ink);border-radius:12px;align-items:center;gap:8px;padding:9px 16px;font-size:.88rem;font-weight:700;transition:all .2s;display:inline-flex}.action-btn:hover{transform:translateY(-1px);box-shadow:0 4px 12px #10182814}.whatsapp-btn{color:#fff;background:#25d366;border-color:#20ba5a}.whatsapp-btn:hover{color:#fff;background:#1eb954}.copy-btn{background:var(--soft);color:var(--accent-strong);border-color:#00a8964d}.print-btn{background:var(--paper);color:var(--muted)}@media print{body{font-size:12pt;color:#000!important;background:#fff!important}.site-header,.site-footer,.no-print,.faq-section,.trust-section,.tool-hero p,.tool-form,.top-nav{display:none!important}.shell{width:100%!important;margin:0!important;padding:0!important}.tool-hero{border-bottom:2px solid #000;margin-bottom:20px;padding:0 0 16px!important}.tool-hero h1{color:#000!important;margin:0!important;font-size:20pt!important}.calculator-layout{display:block!important}.results{box-shadow:none!important;background:#fff!important;border:1px solid #ccc!important;border-radius:8px!important;padding:16px!important}.result-hero{color:#000!important;background:#f4f4f4!important;border-radius:6px!important;margin-bottom:16px!important;padding:12px!important}.result-hero strong{color:#000!important;font-size:18pt!important}.breakdown dd{font-weight:700}}@media (max-width:860px){.header-layout{flex-direction:column;align-items:flex-start;padding:14px 0}.hero-grid,.calculator-layout,.roadmap,.content-grid,.trust-grid{grid-template-columns:1fr}.tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:560px){.shell{width:min(100% - 24px,1120px)}.hero{padding-top:44px}.tool-hero{padding:20px 0 14px}.tool-hero h1{font-size:1.5rem}.tool-hero+.section{padding-top:18px}.calculator-layout{gap:14px}.breakdown div{flex-direction:column;align-items:flex-start;gap:2px;padding:8px 12px;display:flex}.breakdown dt{width:100%;color:var(--muted);font-size:.8rem;line-height:1.3}.breakdown dd{text-align:left;width:100%;max-width:100%;color:var(--ink);font-size:.9rem;line-height:1.3}.result-hero strong{font-size:1.6rem}.top-nav{justify-content:space-between;width:100%}.brand strong{font-size:.95rem}.tool-grid{grid-template-columns:1fr}.footer-layout{flex-direction:column;align-items:flex-start;padding:20px 0}}