:root{color-scheme:light;--ink:#17202a;--muted:#5c6672;--line:#d8dee6;--bg:#f7f9fb;--accent:#0f766e;--warm:#b45309;--panel:#fbfcfd}*{box-sizing:border-box}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.55}.topbar{display:flex;justify-content:space-between;gap:24px;align-items:center;padding:18px clamp(18px,4vw,56px);border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:2}.brand{font-weight:800;color:var(--ink);text-decoration:none;font-size:20px}nav{display:flex;gap:18px;flex-wrap:wrap}nav a,a{color:var(--accent);text-decoration:none}.hero{padding:56px clamp(18px,5vw,72px) 28px;background:linear-gradient(180deg,#eef8f6,#fff)}.hero h1{font-size:clamp(34px,5vw,64px);line-height:1.02;margin:8px 0 16px;letter-spacing:0;max-width:980px}.hero p{font-size:20px;max-width:840px;color:var(--muted)}.eyebrow{font-size:14px;text-transform:uppercase;letter-spacing:.08em;color:var(--warm);font-weight:700}.tool{display:grid;grid-template-columns:minmax(0,1fr) minmax(280px,420px);gap:24px;padding:28px clamp(18px,5vw,72px);align-items:start}.calculator{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.calculator label{display:grid;gap:6px;font-weight:700}.calculator input{width:100%;border:1px solid var(--line);border-radius:8px;padding:12px;font:inherit}.results{display:grid;gap:12px;background:var(--bg);border:1px solid var(--line);border-radius:8px;padding:18px}.results div{display:flex;justify-content:space-between;gap:16px;border-bottom:1px solid var(--line);padding-bottom:10px}.results div:last-child{border-bottom:0;padding-bottom:0}.results span{color:var(--muted)}.results strong{font-size:22px}.content{padding:24px clamp(18px,5vw,72px) 64px;max-width:1100px}.content h2{margin-top:32px;font-size:26px}.fee-basis{border:1px solid var(--line);border-left:4px solid var(--warm);border-radius:8px;background:#fffaf3;padding:16px;margin:4px 0 28px}.fee-basis h2{margin:0 0 8px;font-size:22px}.fee-basis p{margin:8px 0}.deep-dive{border-top:1px solid var(--line);margin-top:28px;padding-top:4px}.link-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:10px}.link-grid a{border:1px solid var(--line);border-radius:8px;padding:12px;background:#fff}.featured{padding:34px clamp(18px,5vw,72px);background:#fff}.featured-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px}.feature-card{border:1px solid var(--line);border-radius:8px;background:#fff;padding:16px}.feature-card h3{margin:0 0 8px}.article-list{padding:34px clamp(18px,5vw,72px);background:var(--panel);border-top:1px solid var(--line)}.article-list ul{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:12px;list-style:none;padding:0}.article-list li{border:1px solid var(--line);border-radius:8px;background:#fff;padding:14px}.partners{display:grid;grid-template-columns:minmax(0,320px) minmax(0,1fr);gap:24px;padding:34px clamp(18px,5vw,72px);background:var(--panel);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.partner-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px}.partner-card{border:1px solid var(--line);border-radius:8px;background:#fff;padding:16px}.partner-card h3{margin:4px 0 8px}.button{display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--accent);border-radius:8px;padding:10px 12px;font-weight:700}.legal{padding:36px clamp(18px,5vw,72px);max-width:920px}.legal h1{font-size:42px;line-height:1.08}.legal h2{margin-top:30px}.legal li{margin:8px 0}footer{border-top:1px solid var(--line);padding:24px clamp(18px,5vw,72px);color:var(--muted)}.directory{padding:32px clamp(18px,5vw,72px)}.directory ul{columns:2;line-height:1.9}@media(max-width:760px){.tool,.calculator,.partners{grid-template-columns:1fr}.hero h1{font-size:36px}.directory ul{columns:1}.topbar{align-items:flex-start;flex-direction:column}}