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var(--line-strong);border-radius:var(--radius)}.co-card{display:flex;align-items:center;justify-content:space-between;padding:18px 22px;background:#fff;border:none;border-bottom:1px solid var(--line-strong);cursor:pointer;text-align:left;transition:background .15s;font-family:var(--sans)}.co-card:nth-child(odd){border-right:1px solid var(--line-strong)}.co-card:last-child,.co-card:nth-last-child(2){border-bottom:none}.co-card:hover{background:var(--soft)}.co-card:hover .co-arrow{background:var(--blue);color:#fff}.co-name{font-size:15px;font-weight:500;color:var(--ink)}.co-arrow{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:var(--line-strong);color:var(--ink-soft);font-size:18px;flex-shrink:0;transition:background .15s,color .15s}.calc-nav-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-bottom:28px}.cnb{padding:11px 8px;border:1px solid var(--line-strong);border-radius:var(--radius-sm);background:#fff;color:var(--ink-soft);font-family:var(--sans);font-weight:600;font-size:13px;cursor:pointer;text-align:center;line-height:1.3;transition:background .2s,border-color .2s,color .2s}.cnb:hover{background:var(--soft);border-color:var(--blue);color:var(--blue)}.cnb.active{background:var(--blue);border-color:var(--blue);color:#fff}.calc-panels{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:36px}.calc-panel{display:none}.calc-panel.active{display:block}.calc-panel h2{font-size:clamp(22px,2.8vw,30px);margin-bottom:8px}.calc-note{color:var(--ink-soft);font-size:16px;margin:0 0 24px;padding:14px 18px;background:var(--paper);border-left:3px solid var(--brass);border-radius:0 8px 8px 0}.calc-form{display:grid;gap:14px;max-width:560px;margin-top:20px}.calc-form>label{display:grid;gap:7px;color:var(--muted);font-weight:600;font-size:15px}.calc-form input[type=number],.calc-form select{width:100%;min-height:48px;border:1px solid var(--line-strong);border-radius:10px;padding:12px 14px;font:inherit;font-size:16px;color:var(--ink);background:#fff;transition:border-color .2s,box-shadow .2s}.calc-form input[type=number]:focus,.calc-form select:focus{outline:0;border-color:var(--brass);box-shadow:0 0 0 3px rgba(184,134,59,.18)}.calc-form .inline{display:flex;align-items:center;gap:9px;color:var(--ink-soft);cursor:pointer}.calc-form .inline input{width:18px;min-height:18px;cursor:pointer;accent-color:var(--blue)}.radio-group{display:flex;flex-direction:column;gap:8px;margin-top:4px}.calc-submit-btn{justify-self:start;min-height:50px;padding:13px 32px;border-radius:12px;border:0;background:#1a2236;color:#fff;font-family:var(--sans);font-weight:700;font-size:15px;letter-spacing:.02em;cursor:pointer;transition:background .25s ease,transform .2s ease,box-shadow .25s ease;box-shadow:0 4px 16px rgba(26,34,54,.2);position:relative;overflow:hidden}.calc-submit-btn:hover{background:#c9a84c;color:#1a2236;transform:translateY(-2px);box-shadow:0 8px 24px rgba(201,168,76,.35)}.calc-submit-btn:active{transform:translateY(0) scale(.98);box-shadow:0 2px 8px rgba(201,168,76,.2)}.calc-result{margin-top:28px}.cr-section{margin-bottom:20px}.cr-section h4{font-family:var(--sans);font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin:0 0 12px}.cr-table{width:100%;border-collapse:collapse;max-width:560px;font-size:16px}.cr-table td{padding:11px 0;border-bottom:1px solid var(--line)}.cr-table td:last-child{text-align:right;font-weight:600;white-space:nowrap}.cr-total td{border-top:2px solid var(--line-strong);border-bottom:none;font-weight:700;padding-top:14px}.cr-net{display:flex;align-items:center;justify-content:space-between;padding:16px 18px;background:linear-gradient(135deg,#eaf3fc,#fdf7e9);border-radius:10px;border:1px solid #dbe7f4;margin-top:16px;font-size:17px;color:var(--navy)}.cr-net strong{font-size:22px;font-weight:700}.mrp-quick-btns{display:flex;flex-wrap:wrap;gap:8px}.mrp-quick-btns button{padding:8px 14px;border:1px solid var(--line-strong);border-radius:999px;background:#fff;color:var(--ink-soft);font-family:var(--sans);font-weight:600;font-size:13px;cursor:pointer;transition:background .2s,border-color .2s,color .2s}.mrp-quick-btns button:hover{background:var(--soft);border-color:var(--blue);color:var(--blue)}.calc-instruction-section .section-head{margin-bottom:44px}.instruction-steps{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.instruction-step{padding:28px;border:1px solid var(--line);border-radius:var(--radius-lg);background:#fff;box-shadow:var(--shadow-sm)}.instruction-step h3{font-family:var(--sans);font-weight:700;font-size:17px;margin:12px 0;color:var(--ink)}.instruction-step p{color:var(--ink-soft);margin:0;font-size:15px;line-height:1.65}.step-num{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;font-family:var(--sans);font-weight:700;font-size:14px}@media(max-width:980px){.calc-nav-grid{grid-template-columns:repeat(2,1fr)}.calc-panels{padding:24px 20px;overflow-x:hidden}.calc-topbar{margin:-24px -20px 20px -20px}.instruction-steps{grid-template-columns:1fr}}@media(max-width:620px){.calc-nav-grid{grid-template-columns:1fr}.cnb{text-align:left;padding:12px 14px}}
/* ── CALC UX REDESIGN 2026 ── */
.calc-wrap{display:grid;grid-template-columns:1fr 380px;grid-template-rows:auto 1fr;column-gap:32px;row-gap:0;padding-left:max(var(--pad),calc((100% - 1300px)/2));padding-right:max(var(--pad),calc((100% - 1300px)/2));padding-bottom:80px}
.calc-nav-grid{grid-column:1/-1;grid-row:1}
.cnb{flex:1 1 auto;min-width:120px;border:1px solid #d1c4a0;color:#555;background:#fff;padding:10px 8px;transition:all .2s}
.cnb.active{background:#1a2236!important;border-color:#1a2236!important;color:#fff!important}
.cnb:hover:not(.active){background:#fdf8f0;border-color:#c9a84c;color:#1a2236}
.calc-panels{grid-column:1;grid-row:2}
.calc-result-sticky{grid-column:2;grid-row:2;position:sticky;top:90px;background:#fff;border-radius:16px;border:1px solid rgba(201,168,76,.25);box-shadow:0 4px 24px rgba(26,34,54,.09);padding:24px;align-self:start}
.cr-empty-state{text-align:center;padding:32px 16px;background:linear-gradient(135deg,#f5efe6,#ede4d6);border-radius:12px}
.cr-empty-state p{color:#777;font-size:14px;line-height:1.6;margin:12px 0 0}
.calc-result{display:none!important}
.calc-submit-btn{width:100%;padding:14px 24px;border-radius:12px!important;border:0!important;background:#1a2236!important;color:#fff!important;font-family:var(--sans);font-size:16px;font-weight:700;letter-spacing:.02em;cursor:pointer;transition:background .25s ease,transform .2s ease,box-shadow .25s ease!important;margin-top:20px;display:block;text-align:center;min-height:auto!important;box-shadow:0 4px 16px rgba(26,34,54,.2)}
.calc-submit-btn:hover{background:#c9a84c!important;color:#1a2236!important;transform:none!important;box-shadow:none!important}
.cr-net strong{font-size:28px!important;font-weight:700;color:#1a2236}
.cr-table td{padding:6px 0;font-size:14px}
.cr-total td{border-top:1px solid #c9a84c!important;color:#c9a84c!important;font-weight:700;border-bottom:none!important}
.co-section{max-width:none;padding:0;margin:0 0 4px}
.co-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;border:none;border-radius:0;margin-bottom:24px}
.co-card{flex-direction:column!important;align-items:center!important;justify-content:center!important;gap:5px!important;padding:12px 8px!important;border-radius:10px!important;border:1px solid #e0d9cc!important;border-bottom:1px solid #e0d9cc!important;border-right:1px solid #e0d9cc!important;text-align:center;height:auto;transition:all .2s}
.co-card:hover,.co-card.ccard-on{background:#fdf8f0!important;border-color:#c9a84c!important}
.co-card:nth-child(odd){border-right:1px solid #e0d9cc!important}
.co-card:last-child,.co-card:nth-last-child(2){border-bottom:1px solid #e0d9cc!important}
.co-icon-b{width:34px;height:34px;border-radius:7px;background:#f0ebe0;display:inline-flex;align-items:center;justify-content:center;font-size:10px;font-weight:700;color:#1a2236;font-family:var(--sans);line-height:1;flex-shrink:0}
.co-name{font-size:11px!important;color:#666!important;line-height:1.3!important;font-family:var(--sans)}
.co-arrow{display:none!important}
.sf-sh{padding:5px 16px;font-size:10px;text-transform:uppercase;letter-spacing:.1em;color:#aaa;font-weight:700;background:#fafaf8;border-bottom:1px solid var(--line);font-family:var(--sans)}
.calc-nav-grid{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid #e0ddd5;border-radius:8px;overflow:hidden;margin-bottom:28px}.calc-nav-item{display:flex;align-items:center;justify-content:space-between;padding:14px 18px;border-bottom:1px solid #e0ddd5;border-right:1px solid #e0ddd5;cursor:pointer;font-size:14px;background:#fff;color:#333;transition:background .22s ease,transform .22s ease,box-shadow .22s ease;line-height:1.3;position:relative}.calc-nav-item:nth-child(even){border-right:none}.calc-nav-item:nth-last-child(-n+2){border-bottom:none}.calc-nav-item:hover{background:#fdf3e3;transform:translateY(-2px);box-shadow:0 6px 20px rgba(201,168,76,.18);z-index:1}.calc-nav-item:hover .calc-nav-arrow{background:#c9a84c;transform:translateX(4px);box-shadow:0 4px 12px rgba(201,168,76,.4)}.calc-nav-arrow{display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;border-radius:50%;background:#e0ddd5;color:#fff;font-size:16px;flex-shrink:0;transition:background .22s ease,transform .22s ease,box-shadow .22s ease;margin-left:10px}.calc-nav-item.active{background:#fdf3e3;font-weight:700;color:#1a2236}.calc-nav-item.active .calc-nav-arrow{background:#1a2236;box-shadow:0 4px 12px rgba(26,34,54,.25)}
.accruals-list{display:flex;flex-direction:column;gap:6px;margin-bottom:4px}.accrual-row{display:flex;gap:8px;align-items:center}.accrual-type{flex:1;padding:8px 10px;border:1px solid #d1c4a0;border-radius:6px;font-size:14px;font-family:inherit;background:#fff}.accrual-amount{width:130px;padding:8px 10px;border:1px solid #d1c4a0;border-radius:6px;font-size:14px;text-align:right;font-family:inherit}.accrual-remove{width:28px;height:28px;border:none;background:#f0e8d8;border-radius:50%;cursor:pointer;color:#888;font-size:16px;flex-shrink:0;display:inline-flex;align-items:center;justify-content:center}.accrual-remove:hover{background:#f5d5c0;color:#c00}.add-accrual-btn{display:inline-flex;align-items:center;gap:6px;margin-top:4px;padding:7px 14px;border:1.5px dashed #c9a84c;border-radius:6px;background:transparent;color:#c9a84c;font-size:14px;cursor:pointer;font-family:inherit;transition:background .15s}.add-accrual-btn:hover{background:#fdf8f0}
@media(max-width:960px){.calc-wrap{grid-template-columns:1fr}.calc-result-sticky{grid-column:1;grid-row:3;position:static;margin-top:24px}.calc-panels{grid-column:1;grid-row:2}}
@media(max-width:640px){.calc-nav-item{font-size:13px;padding:11px 14px}.calc-nav-arrow{width:28px;height:28px;font-size:14px}.calc-topbar{padding:10px 14px;gap:8px}.calc-toggle{padding:5px 10px;font-size:12px}.calc-year-sel,.calc-month-sel{font-size:12px;padding:5px 7px}.calc-wrap{padding-bottom:40px}}
.sf{width:100%;max-width:680px;border-collapse:separate;border-spacing:0;margin-top:24px;border:1px solid var(--line-strong);border-radius:var(--radius);overflow:hidden}.sf-r td{border-bottom:1px solid var(--line)}.sf-r:last-child td{border-bottom:0}.sf-l{width:140px;padding:14px 16px;padding-top:16px;background:var(--paper);font-weight:600;font-size:14px;color:var(--ink-soft);vertical-align:top;border-right:1px solid var(--line);white-space:nowrap}.sf-v{padding:10px 14px;vertical-align:top}.sf-pills{display:flex;flex-wrap:wrap;gap:8px}.sf-pill{display:inline-flex;align-items:center;gap:8px;padding:8px 14px;border:1.5px solid var(--line-strong);border-radius:7px;cursor:pointer;font-size:15px;color:var(--ink-soft);background:#fff;transition:border-color .15s,background .15s;user-select:none;white-space:nowrap}.sf-pill input[type=radio]{accent-color:var(--blue);width:15px;height:15px;flex-shrink:0;cursor:pointer}.sf-pill:has(input:checked){border-color:var(--blue);background:var(--soft);color:var(--blue);font-weight:600}.sf-num{width:200px;height:40px;border:1.5px solid var(--line-strong);border-radius:7px;padding:0 12px;font:inherit;font-size:15px;color:var(--ink);background:#fff;display:block}.sf-num:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 3px rgba(21,86,143,.12)}.sf-chk{display:flex;align-items:center;gap:9px;padding:9px 14px;border:1.5px solid var(--line-strong);border-radius:7px;cursor:pointer;font-size:15px;color:var(--ink-soft);background:#fff;transition:border-color .15s,background .15s;user-select:none;line-height:1.3;margin-bottom:8px}.sf-chk:last-child{margin-bottom:0}.sf-chk:has(input:checked){border-color:var(--blue);background:var(--soft);color:var(--blue)}.sf-chk input[type=checkbox]{accent-color:var(--blue);width:15px;height:15px;min-width:15px;cursor:pointer;flex-shrink:0}.sf-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}.sf-grid .sf-chk{margin-bottom:0}@media(max-width:600px){.sf,.sf-r,.sf-l,.sf-v{display:block}.sf-l{width:auto;border-right:0;border-bottom:1px solid var(--line);padding:10px 14px;padding-top:10px;white-space:normal}.sf-v{padding:10px 14px}.sf-pills{gap:6px}.sf-grid{grid-template-columns:1fr}.sf-num{width:100%;max-width:none;box-sizing:border-box}.accrual-row{flex-wrap:wrap}.accrual-amount{min-width:120px;flex:1}}.calc-submit-btn{position:relative;overflow:hidden}.ripple{position:absolute;border-radius:50%;background:rgba(255,255,255,.3);transform:scale(0);animation:ripple-anim .6s linear;pointer-events:none}@keyframes ripple-anim{to{transform:scale(4);opacity:0}}.calc-panel.active{animation:panelFadeIn .3s cubic-bezier(.22,.61,.36,1)}@keyframes panelFadeIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}.cr-net{background:linear-gradient(135deg,#0a1626,#15396b)!important;border:none!important;border-radius:12px!important;padding:20px 22px!important;animation:netReveal .5s cubic-bezier(.22,.61,.36,1);color:#fff!important}@keyframes netReveal{from{opacity:0;transform:scale(.95)}to{opacity:1;transform:scale(1)}}.cr-net strong{font-size:32px!important;color:#ecc985!important;display:block;margin-top:4px}.calc-topbar{display:flex;align-items:center;gap:10px;flex-wrap:wrap;padding:14px 20px;background:#f7f5f0;border-bottom:1px solid #e0ddd5;margin:-36px -36px 24px -36px}.calc-toggle-group{display:flex;background:#fff;border:1px solid #d8d4cb;border-radius:8px;overflow:hidden}.calc-toggle{padding:7px 14px;font-size:13px;font-weight:500;color:#5a5650;background:transparent;border:none;cursor:pointer;transition:background .2s ease,color .2s ease,transform .15s ease;white-space:nowrap;border-radius:6px}.calc-toggle:hover:not(.active){background:rgba(201,168,76,.12);color:#1a2236}.calc-toggle.active{background:#1a2236;color:#fff;font-weight:600;box-shadow:0 2px 8px rgba(26,34,54,.2)}.calc-year-sel,.calc-month-sel{padding:7px 10px;font-size:13px;border:1px solid #d8d4cb;border-radius:8px;background:#fff;color:#1a2236;cursor:pointer}.faq-section{max-width:820px;margin:56px auto 0;padding:0 20px}.faq-section h2{font-size:clamp(22px,2.2vw,28px);font-weight:700;color:#1a2236;margin-bottom:24px}.faq-item{border-bottom:1px solid #e0ddd5;padding:0}.faq-item summary{list-style:none;display:flex;justify-content:space-between;align-items:center;padding:18px 0;font-size:16px;font-weight:600;color:#1a2236;cursor:pointer;gap:12px}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary::after{content:"+";font-size:22px;font-weight:300;color:#8a8070;flex-shrink:0;transition:transform .25s}.faq-item[open] summary::after{transform:rotate(45deg)}.faq-item p{font-size:15px;line-height:1.7;color:#555;padding:0 0 20px;margin:0}.btn-ghost{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:13px 26px;border-radius:999px;border:1.5px solid rgba(255,255,255,.45);background:transparent;color:rgba(255,255,255,.88);font-family:var(--sans);font-weight:600;font-size:15px;cursor:pointer;text-decoration:none;transition:border-color .2s,color .2s,background .2s}.btn-ghost:hover{border-color:#fff;color:#fff;background:rgba(255,255,255,.08)}.page-hero p:not(.eyebrow){font-size:clamp(17px,1.6vw,21px)}.article-main p,.article li{font-size:17px;line-height:1.7}.service-card p{font-size:16px!important}.pf-popup{position:fixed;inset:0;background:rgba(10,22,38,.65);z-index:9998;display:flex;align-items:center;justify-content:center;padding:16px;opacity:0;visibility:hidden;transition:opacity .35s ease,visibility .35s ease;backdrop-filter:blur(3px)}.pf-popup.open{opacity:1;visibility:visible}.pf-popup-card{background:#fff;border-radius:20px;padding:36px 32px 28px;max-width:440px;width:100%;position:relative;transform:translateY(24px) scale(.96);transition:transform .38s cubic-bezier(.22,.61,.36,1);box-shadow:0 32px 80px rgba(0,0,0,.22)}.pf-popup.open .pf-popup-card{transform:translateY(0) scale(1)}.pf-popup-x{position:absolute;top:12px;right:12px;width:34px;height:34px;border:none;background:#f0ede6;border-radius:50%;cursor:pointer;font-size:20px;color:#888;line-height:1;display:flex;align-items:center;justify-content:center;transition:background .2s,color .2s}.pf-popup-x:hover{background:#e0ddd5;color:#333}.pf-popup-badge{display:inline-flex;align-items:center;gap:7px;background:#fdf3e3;color:#c9a84c;font-size:13px;font-weight:600;padding:5px 14px;border-radius:999px;margin-bottom:14px}.pf-popup-title{font-size:24px;font-weight:700;color:#1a2236;margin:0 0 8px;font-family:var(--serif);line-height:1.25}.pf-popup-sub{font-size:15px;color:#666;line-height:1.55;margin:0 0 22px}.pf-popup-inp{display:block;width:100%;height:48px;border:1.5px solid #d8d4cb;border-radius:10px;padding:0 15px;font-size:15px;font-family:inherit;color:#1a2236;background:#fff;box-sizing:border-box;margin-bottom:12px;transition:border-color .2s,box-shadow .2s}.pf-popup-inp:focus{outline:none;border-color:#c9a84c;box-shadow:0 0 0 3px rgba(201,168,76,.12)}.pf-popup-btn{width:100%;height:50px;background:#1a2236;color:#fff;border:none;border-radius:12px;font-size:16px;font-weight:700;cursor:pointer;transition:background .25s,transform .2s,box-shadow .2s;letter-spacing:.02em;font-family:inherit;box-shadow:0 4px 16px rgba(26,34,54,.2)}.pf-popup-btn:hover{background:#c9a84c;color:#1a2236;transform:translateY(-1px);box-shadow:0 8px 24px rgba(201,168,76,.3)}.pf-popup-note{font-size:12px;color:#b0a898;text-align:center;margin:14px 0 0;line-height:1.5}.pf-popup-note a{color:#c9a84c;text-decoration:none}@media(max-width:480px){.pf-popup-card{padding:28px 20px 22px;border-radius:16px}.pf-popup-title{font-size:21px}}