:root{--ink:#092433;--navy:#071f2d;--green:#55ab63;--gold:#d5bd82;--muted:#586c74;--line:#dbe6df;--pale:#eef7f0;--white:#fff;--shadow:0 14px 40px rgba(7,31,45,.09)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font:16px/1.65 Inter,system-ui,-apple-system,Segoe UI,sans-serif;background:#fbfdfb}a{color:#176b39}img{max-width:100%;height:auto}.wrap{width:min(1140px,calc(100% - 32px));margin:auto}.top{padding:8px;background:var(--navy);color:#fff;text-align:center;font-size:.78rem}.nav{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav .wrap{min-height:68px;display:flex;align-items:center;justify-content:space-between}.brand{font-weight:950;text-decoration:none;color:var(--ink)}.brand b{color:var(--green)}.links{display:flex;align-items:center;gap:17px}.links a{text-decoration:none;font-weight:800;color:var(--ink)}.btn{display:inline-flex;justify-content:center;align-items:center;padding:13px 19px;border-radius:12px;background:var(--green);color:#06200d!important;text-decoration:none;font-weight:950;border:0}.mobile{display:none}.hero{padding:76px 0 55px;background:radial-gradient(circle at 86% 0,#cce8d1,transparent 31%),linear-gradient(#fbfdfb,#edf7f0)}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:45px;align-items:center}.eyebrow{color:#26773b;text-transform:uppercase;letter-spacing:.14em;font-size:.74rem;font-weight:950}h1{font-size:clamp(2.5rem,6vw,4.9rem);line-height:1;letter-spacing:-.055em;margin:.22em 0}h2{font-size:clamp(1.75rem,4vw,2.8rem);line-height:1.13;letter-spacing:-.035em}h3{line-height:1.25}.lead{font-size:1.14rem;color:var(--muted)}.hero-card,.card,.calc{padding:24px;border:1px solid var(--line);border-radius:22px;background:#fff;box-shadow:var(--shadow)}.hero-card img{border-radius:15px}.chips{display:flex;gap:8px;flex-wrap:wrap}.chip{padding:6px 10px;border-radius:999px;background:#e5f4e8;color:#246c36;font-size:.78rem;font-weight:850}.section{padding:62px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.fact{padding:17px;border:1px solid var(--line);border-radius:16px;background:#fff}.fact b{display:block;font-size:1.4rem}.prose{width:min(840px,calc(100% - 32px));margin:50px auto}.prose h1{font-size:clamp(2.25rem,5vw,4rem)}.prose h2{margin-top:1.8em}.prose p,.prose li{color:#334e58}.toc{padding:20px;border-radius:18px;background:var(--pale)}.cta{margin:42px 0;padding:40px;border-radius:27px;background:var(--navy);color:#fff;text-align:center}.cta p{color:#d1dfe4}.compare{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.status{color:#27753b;font-weight:900}.calc label{display:block;margin-top:12px;font-weight:850}.calc input,.calc select{width:100%;padding:12px;border:1px solid #bfd0c4;border-radius:10px;font:inherit}.result{margin-top:20px;padding:20px;border-radius:15px;background:var(--pale)}.result b{display:block;font-size:1.8rem;color:#27753b}.faq details{margin:10px 0;padding:15px 17px;border:1px solid var(--line);border-radius:14px;background:#fff}.faq summary{cursor:pointer;font-weight:900}.wealth{position:relative;overflow:hidden;margin:45px 0;padding:clamp(26px,5vw,46px);border:1px solid #d9cba9;border-radius:25px;background:linear-gradient(135deg,#071f2d,#103a4d);color:#fff}.wealth h2{color:#fff}.wealth p{color:#d4e0e4}.wealth .label{color:var(--gold);text-transform:uppercase;letter-spacing:.14em;font-size:.7rem;font-weight:950}.wealth .wbtn{display:inline-flex;padding:13px 19px;border-radius:12px;background:var(--gold);color:var(--navy);font-weight:950;text-decoration:none}.disclosure{font-size:.76rem;color:#84959b}.inline-cta{margin:28px 0;padding:20px;border-left:5px solid var(--green);border-radius:15px;background:var(--pale)}.sticky{display:none;position:fixed;z-index:50;left:12px;right:12px;bottom:12px;padding:10px;border-radius:17px;background:rgba(7,31,45,.97);box-shadow:0 18px 44px rgba(0,0,0,.23)}.footer{padding:44px 0;background:var(--navy);color:#c9d7dc}.footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:22px}@media(max-width:800px){.hero-grid,.grid,.compare,.facts,.footer-grid{grid-template-columns:1fr}.links{display:none}.mobile{display:block}.nav.open .links{display:flex;position:absolute;top:68px;left:0;right:0;flex-direction:column;padding:20px;background:#fff;border-bottom:1px solid var(--line)}.hero{padding-top:48px}.section{padding:43px 0}.cta{text-align:left;padding:29px 20px}.btn{width:100%}.sticky{display:block}body{padding-bottom:76px}}