:root{--bcg-primary: #1F3A66;--bcg-primary-hover: #16294A;--bcg-text: #0F1B2D;--bcg-muted: #6b7280;--bcg-bg: #F7F5F0;--bcg-surface: #ffffff;--bcg-border: #e5e7eb;--bcg-accent-bg: rgba(31,58,102, .06)}*{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif}.bcg-container{max-width:1120px;margin:0 auto;padding:0 24px}.cmp-breadcrumbs{background:var(--bcg-bg);padding:16px 0 0}.cmp-breadcrumbs a{font-size:.82rem;color:var(--bcg-muted);text-decoration:none;transition:color .15s}.cmp-breadcrumbs a:hover{color:var(--bcg-primary)}.cmp-breadcrumb-sep{font-size:.82rem;color:var(--bcg-border);margin:0 8px}.cmp-breadcrumb-current{font-size:.82rem;color:var(--bcg-text);font-weight:600}.cmp-hero{position:relative;overflow:hidden;background:var(--bcg-bg);padding:48px 24px 40px;text-align:center}.cmp-hero-inner{position:relative;z-index:1;max-width:720px;margin:0 auto}.cmp-hero-title{font-size:clamp(1.8rem,4vw,2.8rem);font-weight:800;line-height:1.15;color:var(--bcg-text);margin:0 0 16px;letter-spacing:-.02em}.cmp-hero-sub{font-size:1.1rem;line-height:1.6;color:var(--bcg-muted);margin:0 auto;max-width:580px}.bcg-hero-gradient{position:absolute;top:-40%;left:50%;transform:translate(-50%);width:800px;height:800px;background:radial-gradient(circle,rgba(31,58,102,.08) 0%,transparent 70%);pointer-events:none}.calc-mode-bar{background:var(--bcg-bg);padding:0 0 8px}.calc-toggle{display:inline-flex;background:var(--bcg-surface);border:1px solid var(--bcg-border);border-radius:100px;padding:5px;gap:4px;margin:0 auto}.calc-mode-bar .bcg-container{display:flex;justify-content:center}.calc-toggle-btn{font-size:.9rem;font-weight:600;padding:10px 22px;border-radius:100px;border:none;background:none;color:var(--bcg-muted);cursor:pointer;transition:all .18s;white-space:nowrap}.calc-toggle-btn:hover{color:var(--bcg-text)}.calc-toggle-btn.active{background:var(--bcg-primary);color:#fff;box-shadow:0 4px 14px #1f3a6647}@media(max-width:520px){.calc-toggle{width:100%}.calc-toggle-btn{flex:1;padding:10px 8px;font-size:.82rem}}.calc-section{padding:32px 0 56px;background:var(--bcg-bg)}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}@media(max-width:860px){.calc-grid{grid-template-columns:1fr;gap:20px}}.calc-inputs{background:var(--bcg-surface);border:1px solid var(--bcg-border);border-radius:20px;padding:28px}.calc-field{margin-bottom:26px}.calc-field:last-child{margin-bottom:0}.calc-field-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:12px;gap:12px}.calc-field label,.calc-field-label{font-size:.92rem;font-weight:600;color:var(--bcg-text);display:block}.calc-field-label{margin-bottom:12px}.calc-num-wrap{display:inline-flex;align-items:center;background:var(--bcg-bg);border:1px solid var(--bcg-border);border-radius:10px;padding:0 12px;transition:border-color .15s,box-shadow .15s}.calc-num-wrap:focus-within{border-color:var(--bcg-primary);box-shadow:0 0 0 3px #1f3a661f}.calc-prefix,.calc-suffix{font-size:.95rem;font-weight:700;color:var(--bcg-muted)}.calc-num-wrap input{width:84px;border:none;background:none;outline:none;font-size:1.05rem;font-weight:700;color:var(--bcg-text);padding:9px 4px;text-align:right;-moz-appearance:textfield}.calc-num-wrap input::-webkit-outer-spin-button,.calc-num-wrap input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}.calc-range{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;background:var(--bcg-border);outline:none}.calc-range::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--bcg-primary);cursor:pointer;box-shadow:0 2px 8px #1f3a6659;transition:transform .12s}.calc-range::-webkit-slider-thumb:hover{transform:scale(1.12)}.calc-range::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--bcg-primary);cursor:pointer;border:none;box-shadow:0 2px 8px #1f3a6659}.calc-freq{display:flex;gap:8px}.calc-freq-btn{flex:1;font-size:.85rem;font-weight:600;padding:10px;border-radius:10px;border:1px solid var(--bcg-border);background:var(--bcg-bg);color:var(--bcg-muted);cursor:pointer;transition:all .15s}.calc-freq-btn:hover{border-color:var(--bcg-primary);color:var(--bcg-primary)}.calc-freq-btn.active{background:var(--bcg-primary);border-color:var(--bcg-primary);color:#fff}.calc-hint{font-size:.8rem;color:var(--bcg-muted);line-height:1.5;margin:22px 0 0;padding-top:18px;border-top:1px dashed var(--bcg-border)}.calc-results{position:sticky;top:88px;background:linear-gradient(160deg,#0f1b2d,#16294a);border-radius:20px;padding:32px 28px;color:#fff;box-shadow:0 20px 50px #2e106540}@media(max-width:860px){.calc-results{position:static}}.calc-result-head{text-align:center;padding-bottom:22px;border-bottom:1px solid rgba(255,255,255,.12);margin-bottom:20px}.calc-result-eyebrow{font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:#cfe0f2}.calc-result-big{font-size:clamp(2.4rem,6vw,3.2rem);font-weight:800;letter-spacing:-.02em;line-height:1.05;margin:6px 0 4px}.calc-result-freq{font-size:.9rem;color:#ffffffb3}.calc-result-rows{display:flex;flex-direction:column;gap:2px}.calc-row{display:flex;align-items:center;justify-content:space-between;padding:11px 0;font-size:.95rem}.calc-row+.calc-row{border-top:1px solid rgba(255,255,255,.08)}.calc-row-label{color:#ffffffb8}.calc-row-val{font-weight:700}.calc-row-strong{font-size:1.05rem}.calc-row-strong .calc-row-label{color:#fff;font-weight:600}.calc-row-strong .calc-row-val{color:#f2b544}.calc-apr-callout{margin-top:20px;background:#00000038;border:1px solid rgba(255,255,255,.12);border-radius:14px;padding:18px}.calc-apr-top{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:12px}.calc-apr-label{font-size:.82rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:#fca5a5}.calc-apr-value{font-size:1.9rem;font-weight:800;letter-spacing:-.02em}.calc-apr-bar{height:8px;border-radius:4px;background:#ffffff24;overflow:hidden}.calc-apr-fill{height:100%;width:0;border-radius:4px;background:#ef4444;transition:width .4s ease,background .3s}.calc-apr-note{font-size:.84rem;line-height:1.5;color:#ffffffd1;margin:12px 0 0}.calc-cta-btn{display:block;text-align:center;margin-top:22px;background:#fff;color:#16294a;font-size:.98rem;font-weight:700;padding:15px;border-radius:12px;text-decoration:none;transition:transform .12s,box-shadow .2s}.calc-cta-btn:hover{transform:translateY(-2px);box-shadow:0 10px 28px #00000040}.calc-disclaimer{font-size:.72rem;line-height:1.5;color:#ffffff80;margin:16px 0 0;text-align:center}.calc-cta{padding:8px 0 64px;background:var(--bcg-bg);scroll-margin-top:80px}.calc-cta-card{background:linear-gradient(135deg,#1f3a66,#16294a);border-radius:22px;padding:44px;display:grid;grid-template-columns:1.1fr 1fr;gap:36px;align-items:center;box-shadow:0 16px 44px #1f3a6638}@media(max-width:768px){.calc-cta-card{grid-template-columns:1fr;padding:32px 24px;gap:24px}}.calc-cta-copy h2{font-size:1.6rem;font-weight:800;color:#fff;margin:0 0 12px;line-height:1.2;letter-spacing:-.01em}.calc-cta-copy p{font-size:.98rem;line-height:1.6;color:#ffffffd9;margin:0}.calc-cta-form{display:flex;flex-direction:column;gap:10px}.calc-cta-input{padding:15px 18px;border-radius:12px;border:2px solid rgba(255,255,255,.25);background:#ffffff1f;color:#fff;font-size:1rem;outline:none}.calc-cta-input::placeholder{color:#fff9}.calc-cta-input:focus{border-color:#fff;background:#ffffff2e}.calc-cta-submit{padding:15px 18px;border-radius:12px;border:none;background:#f2b544;color:#0f1b2d;font-size:1rem;font-weight:800;cursor:pointer;transition:background .15s,transform .12s}.calc-cta-submit:hover{background:#f59e0b;transform:translateY(-1px)}.calc-cta-submit:disabled{opacity:.8;cursor:default}.calc-cta-fine{font-size:.74rem;color:#fff9;text-align:center}.calc-faq{padding:8px 0 64px;background:var(--bcg-bg)}.calc-faq-title{font-size:1.5rem;font-weight:800;color:var(--bcg-text);text-align:center;margin:0 0 28px}.calc-faq-list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:12px}.calc-faq-item{background:var(--bcg-surface);border:1px solid var(--bcg-border);border-radius:14px;padding:4px 22px;transition:border-color .15s}.calc-faq-item[open]{border-color:#1f3a6659}.calc-faq-item summary{font-size:1rem;font-weight:700;color:var(--bcg-text);padding:16px 28px 16px 0;cursor:pointer;list-style:none;position:relative}.calc-faq-item summary::-webkit-details-marker{display:none}.calc-faq-item summary:after{content:"+";position:absolute;right:0;top:14px;font-size:1.4rem;font-weight:400;color:var(--bcg-primary);transition:transform .2s}.calc-faq-item[open] summary:after{transform:rotate(45deg)}.calc-faq-item p{font-size:.93rem;line-height:1.65;color:var(--bcg-muted);margin:0 0 18px}.cmp-bottom-cta{padding:8px 0 80px;background:var(--bcg-bg)}.cmp-cta-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}@media(max-width:640px){.cmp-cta-grid{grid-template-columns:1fr}}.cmp-cta-card{display:block;text-decoration:none;padding:32px;border:1px solid var(--bcg-border);border-radius:16px;background:var(--bcg-surface);transition:border-color .15s,box-shadow .2s,transform .15s}.cmp-cta-card:hover{border-color:#1f3a6659;box-shadow:0 4px 24px #1f3a6614;transform:translateY(-2px)}.cmp-cta-icon{color:var(--brick-600);font-size:2rem;margin-bottom:12px}.cmp-cta-card h3{font-size:1.1rem;font-weight:700;color:var(--bcg-text);margin:0 0 8px}.cmp-cta-card p{font-size:.9rem;color:var(--bcg-muted);line-height:1.6;margin:0 0 16px}.cmp-cta-link{font-size:.88rem;font-weight:600;color:var(--bcg-primary)}#calc-apply-link{color:#fff;font-weight:700;text-decoration:underline;text-decoration-color:var(--sun-400);text-underline-offset:3px}#calc-apply-link:hover{color:var(--sun-400)}