:root{--bg:#f3f5f2;--card:#fff;--ink:#12221b;--muted:#64726b;--line:#dfe6e1;--brand:#17243a;--brand-2:#263e61;--gold:#e39727;--gold-soft:#f3ead8;--wa:#25d366;--shadow:0 20px 55px rgba(16,48,36,.12);--shadow-soft:0 10px 30px rgba(16,48,36,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:radial-gradient(circle at 10% 20%,#fff 0,transparent 26%),var(--bg);color:var(--ink)}button,input,select{font:inherit}.wrap{max-width:1180px;margin:auto;padding:0 24px}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(18px);border-bottom:1px solid rgba(23,63,49,.09);box-shadow:0 4px 22px rgba(18,34,27,.04)}.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{display:flex;gap:13px;align-items:center;min-width:0;text-decoration:none;color:inherit}.brand-logo{width:154px;height:50px;object-fit:contain;object-position:left center}.brand-meta{padding-left:13px;border-left:1px solid var(--line)}.brand-meta strong{display:block}.brand-meta small{color:var(--muted)}nav{display:flex;gap:6px;align-items:center;padding:5px;background:#f2f5f3;border-radius:999px}nav a{text-decoration:none;color:#31473e;font-weight:750;font-size:13px;padding:9px 13px;border-radius:999px;white-space:nowrap}nav a:hover,nav a.active{background:#fff;color:var(--brand);box-shadow:0 3px 12px rgba(18,34,27,.07)}
.btn{border:0;border-radius:999px;padding:13px 19px;font-weight:850;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;gap:8px;transition:.2s}.btn:hover{transform:translateY(-1px)}.btn-primary{background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;box-shadow:0 9px 22px rgba(23,63,49,.2)}.btn-soft{background:#edf2ef;color:var(--brand)}.btn-wa{background:var(--wa);color:#073b20;box-shadow:0 9px 24px rgba(37,211,102,.2)}
.page-hero{position:relative;overflow:hidden;background:linear-gradient(122deg,#101c2f 0%,#233b59 65%,#a86716 150%);color:#fff;padding:74px 0 98px}.page-hero::after{content:"";position:absolute;width:430px;height:430px;border:1px solid rgba(255,255,255,.1);border-radius:50%;right:-90px;top:-210px;box-shadow:0 0 0 70px rgba(255,255,255,.025),0 0 0 140px rgba(255,255,255,.018)}.page-hero .wrap{position:relative;z-index:1}.eyebrow{font-size:11px;font-weight:900;letter-spacing:.19em;text-transform:uppercase;color:#dcc89c}.page-hero h1{font-size:clamp(40px,5vw,64px);letter-spacing:-.04em;line-height:1;margin:12px 0 18px;max-width:760px}.page-hero p{max-width:720px;color:#e3ece7;font-size:18px;line-height:1.7;margin:0}
.page-main{padding:0 0 72px}.lift{margin-top:-52px;position:relative;z-index:5}.panel{background:#fff;border:1px solid rgba(23,63,49,.1);border-radius:28px;padding:30px;box-shadow:var(--shadow)}.panel h2{margin:0 0 8px;font-size:28px}.panel-intro{margin:0 0 24px;color:var(--muted);line-height:1.6}.calculator{display:grid;grid-template-columns:1.02fr .98fr;gap:28px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field.full{grid-column:1/-1}.field.is-hidden{display:none}.field label{display:block;font-size:12px;font-weight:900;margin:0 0 8px;color:#44564d}.field small{display:block;color:var(--muted);margin-top:6px;line-height:1.45}.field input,.field select{width:100%;border:1px solid var(--line);background:#f8faf8;border-radius:14px;padding:14px;outline:none;color:var(--ink)}.field input:focus,.field select:focus{border-color:#779284;background:#fff;box-shadow:0 0 0 4px rgba(23,63,49,.08)}.form-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}
.results{background:linear-gradient(145deg,#17243a,#263e61);color:#fff;border-radius:23px;padding:26px;display:flex;flex-direction:column}.result-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:14px;margin-bottom:18px}.result-heading h3{margin:4px 0 0;font-size:23px}.result-kicker{font-size:9px;font-weight:900;letter-spacing:.13em;color:#dcc89c}.rate-date{font-size:10px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.12);padding:7px 9px;border-radius:999px;white-space:nowrap}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.result{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.1);border-radius:15px;padding:15px}.result span{display:block;color:#c7d7cf;font-size:10px;text-transform:uppercase;font-weight:900;letter-spacing:.055em}.result strong{display:block;margin-top:6px;font-size:17px;line-height:1.25}.notice{margin-top:16px;padding:14px;border-radius:14px;background:rgba(220,200,156,.13);color:#f5ead1;font-size:12px;line-height:1.55}.results .btn{margin-top:18px;align-self:flex-start}
.rate-section{padding-top:16px}.section-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:24px}.eyebrow.dark{color:#80642e}.updated-badge{display:inline-flex;white-space:nowrap;border:1px solid #d8c9a8;background:var(--gold-soft);color:#6e5529;border-radius:999px;padding:9px 13px;font-size:11px;font-weight:850}.rates-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:26px}.rate-board{background:#fff;border:1px solid rgba(23,63,49,.1);border-radius:24px;padding:24px;box-shadow:var(--shadow-soft)}.rate-board-head{display:flex;align-items:flex-start;justify-content:space-between;gap:18px}.rate-board-head h3{font-size:23px;margin:9px 0 0}.rate-board-head>strong{color:var(--brand);font-size:15px;white-space:nowrap}.rate-board>p{color:var(--muted);font-size:13px;line-height:1.6}.rate-tag{display:inline-flex;border-radius:999px;padding:6px 9px;font-size:9px;font-weight:950;letter-spacing:.12em}.rate-tag.mcmv{background:#e3f2e9;color:#17603f}.rate-tag.sbpe{background:#e7edf5;color:#294f7a}.rate-table{border:1px solid var(--line);border-radius:15px;overflow:hidden;margin:17px 0}.rate-row{display:grid;grid-template-columns:1.15fr .95fr 1.15fr;gap:10px;align-items:center;padding:11px 12px;border-top:1px solid var(--line);font-size:12px}.rate-row:first-child{border-top:0}.rate-row-head{background:#f4f7f5;color:var(--muted);font-size:9px;font-weight:900;text-transform:uppercase;letter-spacing:.06em}.rate-row small{color:var(--muted);line-height:1.35}.source-links{display:flex;gap:12px;flex-wrap:wrap}.source-link{color:var(--brand);font-size:11px;font-weight:850;text-decoration:none}.source-link:hover{text-decoration:underline}
.section{padding:65px 0}.section h2{font-size:36px;letter-spacing:-.03em;margin:0 0 10px}.section-lead{color:var(--muted);line-height:1.7;max-width:760px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:26px}.card{background:#fff;border:1px solid rgba(23,63,49,.1);border-radius:23px;padding:25px;box-shadow:var(--shadow-soft)}.card-icon{width:48px;height:48px;border-radius:15px;background:var(--gold-soft);display:grid;place-items:center;color:#80642e;font-size:23px;margin-bottom:18px}.card h3{margin:0 0 8px;font-size:21px}.card p{color:var(--muted);line-height:1.65;margin:0 0 18px}.contact-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:25px}.contact-list{display:grid;gap:12px}.contact-item{display:flex;gap:14px;align-items:flex-start;background:#f5f8f6;border-radius:17px;padding:17px}.contact-item strong{display:block}.contact-item span{display:block;color:var(--muted);margin-top:4px;line-height:1.5}.contact-box{background:linear-gradient(145deg,#17243a,#263e61);color:#fff;border-radius:24px;padding:28px}.contact-box h2{margin-top:0}.contact-box p{color:#d9e5df;line-height:1.7}.disclaimer{font-size:12px;color:var(--muted);line-height:1.65;margin-top:18px}
footer{background:#10271f;color:#dfe8e3;padding:40px 0}.footer{display:flex;justify-content:space-between;gap:22px;flex-wrap:wrap}.footer small{color:#aebdb5}.footer-links{display:flex;gap:16px;flex-wrap:wrap}.footer a{color:#dfe8e3;text-decoration:none;font-size:13px;font-weight:750}.footer a:hover{color:#dcc89c}.wa-float{position:fixed;right:22px;bottom:22px;z-index:40;width:61px;height:61px;border-radius:50%;background:var(--wa);box-shadow:0 12px 30px rgba(0,0,0,.25);display:grid;place-items:center;text-decoration:none;color:#063d20;font-size:28px;border:4px solid white}
@media(max-width:900px){.nav{flex-wrap:wrap;padding-top:12px;padding-bottom:12px;gap:10px}.nav nav{order:3;width:100%;overflow-x:auto;justify-content:flex-start;scrollbar-width:none}.nav nav::-webkit-scrollbar{display:none}.brand-logo{width:128px}.brand-meta{display:none}.calculator,.contact-grid,.rates-grid{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.wrap{padding:0 15px}.nav>.btn{padding:10px 13px;font-size:12px}.brand-logo{width:118px}.page-hero{padding:54px 0 82px}.page-hero h1{font-size:41px}.panel{padding:21px;border-radius:22px}.form-grid,.result-grid,.cards{grid-template-columns:1fr}.field.full{grid-column:auto}.section{padding:48px 0}.section-heading,.rate-board-head{display:block}.updated-badge{margin-top:12px}.rate-board-head>strong{display:block;margin-top:10px}.rate-row{grid-template-columns:1fr 1fr}.rate-row>*:last-child{grid-column:1/-1}.rate-date{display:none}.wa-float{right:15px;bottom:15px}}

nav a,.field label{font-size:14px}.brand-meta strong{font-size:16px}.brand-logo{flex-shrink:0}@media(max-width:1180px){.nav{flex-wrap:wrap;padding-top:12px;padding-bottom:12px}.nav nav{order:3;width:100%;overflow-x:auto;justify-content:flex-start}.brand-meta{display:none}}