@font-face{font-family:Jakarta;src:url('jakarta.ttf') format('truetype');font-weight:200 800;font-style:normal;font-display:swap}
:root{--ink:#292b26;--teal:#126f69;--teal-d:#0d5551;--bg:#eee9df;--paper:#fbf7ef;--line:#d8cebc;--pale:#e2eee7;--muted:#676257;--gold:#946719;--amber:#f3e7ca;--sage:#b6c2bd;--serif:Georgia,'Times New Roman',serif}
*{box-sizing:border-box}html{font-size:16px;scroll-behavior:smooth;scroll-padding-top:98px}body{margin:0;background:var(--paper);color:var(--ink);font-family:Jakarta,'Segoe UI',Arial,sans-serif;line-height:1.65}h1,h2,h3,p,figure{margin:0}h1,h2,h3,.num{font-family:var(--serif);font-weight:600;letter-spacing:-.025em;line-height:1.15}h1{font-size:clamp(2.15rem,4.2vw,3.65rem)}h2{font-size:clamp(1.85rem,3vw,2.6rem)}h3{font-size:1.3rem}a{color:var(--teal-d);text-underline-offset:4px}img{display:block;max-width:100%;height:auto}button,input,select,textarea{font:inherit}button{cursor:pointer}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:4px}[hidden]{display:none!important}.wrap{width:100%;max-width:1180px;padding:0 28px;margin:auto}.skip{position:fixed;top:-90px;left:20px;z-index:99;background:var(--paper);padding:12px}.skip:focus{top:12px}.topbar{position:sticky;top:0;z-index:20;background:#fbf7eff5;border-bottom:1px solid var(--line)}.topbar .wrap{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand img{width:190px}.topnav{display:flex;align-items:center;gap:25px}.topnav a{text-decoration:none;font-size:.82rem;font-weight:700}.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:44px;padding:12px 23px;border:1px solid var(--teal);border-radius:11px;background:var(--teal);color:#fff;text-decoration:none;font-weight:700;font-size:.92rem;line-height:1.4;text-align:center;transition:background .15s}.btn:hover{background:var(--teal-d)}.btn.ghost{background:transparent;color:var(--teal-d)}.btn.ghost:hover{background:var(--pale)}.btn.small{padding:9px 16px;font-size:.78rem}.btn.large{min-height:88px;width:100%;justify-content:space-between;font-size:1.06rem;padding:20px 25px;box-shadow:0 5px 0 #126f6918}.btn.large span:last-child{font-size:1.55rem}.eyebrow{font-size:.73rem;letter-spacing:.14em;font-weight:800;text-transform:uppercase;color:var(--teal);margin-bottom:12px}.muted{color:var(--muted)}.fine{font-size:.8rem;color:var(--muted);line-height:1.65}.lead{font-size:1.04rem;color:var(--muted);line-height:1.75}.mission{padding:27px 0;background:var(--pale);border-bottom:1px solid #bdd3c4}.mission .wrap{display:grid;grid-template-columns:145px minmax(0,1fr);gap:28px;align-items:center;border-left:4px solid var(--teal)}.mission .eyebrow{margin:0;color:var(--teal-d);font-size:.83rem;line-height:1.5}.mission p:last-child{font-family:var(--serif);font-size:clamp(1.35rem,2.15vw,1.75rem);color:var(--teal-d);line-height:1.35}.mission strong{font-weight:700}.hero{padding:49px 0 55px;background:linear-gradient(180deg,var(--paper),var(--bg))}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:48px;align-items:center}.hero h1 em{font-style:italic;color:var(--teal);text-decoration:underline;text-decoration-color:var(--sage);text-decoration-thickness:4px;text-underline-offset:6px}.hero .lead{margin:22px 0 25px;max-width:42em}.hero-actions{display:grid;gap:14px}.hero-actions .secondary{display:flex;align-items:center;gap:18px;flex-wrap:wrap}.hero-actions .fine{font-size:.76rem}.hero-visual{border:1px solid var(--line);border-radius:20px;background:var(--paper);overflow:hidden;box-shadow:10px 12px 0 #ded5c3}.hero-visual img{width:100%;aspect-ratio:1.4;object-fit:cover}.hero-visual figcaption{padding:22px 24px;border-top:1px solid var(--line)}.hero-visual strong{display:block;font-family:var(--serif);font-size:1.35rem;line-height:1.25}.hero-visual p{font-size:.83rem;color:var(--muted);margin-top:9px}.hero-visual .trail{display:flex;flex-wrap:wrap;gap:7px;margin-top:16px}.tag{display:inline-flex;border:1px solid var(--line);background:var(--paper);border-radius:5px;padding:4px 8px;font-size:.68rem;font-weight:700;line-height:1.4}.tag.teal{background:var(--pale);color:var(--teal-d);border-color:#bbd5c5}.tag.gold{background:var(--amber);color:#765219;border-color:#ddcda9}.block{padding:77px 0;border-top:1px solid var(--line)}.block.alt{background:var(--bg)}.head{max-width:710px;margin-bottom:34px}.head p.lead{margin-top:18px}.grid-2{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:45px;align-items:start}.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:23px}.hero-grid>*,.grid-2>*,.grid-3>*,.fields>*{min-width:0}.step{display:flex;gap:15px;align-items:start;margin-bottom:24px}.step .n{width:40px;height:40px;flex:0 0 40px;display:grid;place-items:center;border-radius:50%;background:var(--teal);color:#fff;font-family:var(--serif);font-size:1.25rem}.step h3{font-size:1.16rem;margin:3px 0 7px}.step p{font-size:.91rem;color:var(--muted)}.statement{margin-top:28px;padding:19px 21px;border-left:3px solid var(--teal);background:var(--pale);font-size:.92rem}.statement strong{color:var(--teal-d)}.phone-figure{max-width:420px;width:100%;margin:0 auto}.phone-figure img{width:100%;border-radius:18px;border:1px solid var(--line)}.phone-figure figcaption{font-size:.74rem;color:var(--muted);margin-top:12px}.example{background:var(--paper);border:1px solid var(--line);border-radius:16px;margin-top:24px;padding:23px}.example-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:16px}.example-head strong{font-size:.83rem}.example-row{display:grid;grid-template-columns:95px minmax(0,1fr);gap:13px;padding:11px 0;border-top:1px solid var(--line);font-size:.82rem}.example-row span:first-child{color:var(--muted)}.card{border:1px solid var(--line);border-radius:16px;background:var(--paper);padding:25px}.card h3{margin:12px 0}.card p{font-size:.9rem;color:var(--muted)}.card .mini{font-weight:700;color:var(--teal);font-size:.73rem;letter-spacing:.08em;text-transform:uppercase}.card .foot{margin-top:19px;padding-top:16px;border-top:1px dashed var(--line);color:var(--teal-d);font-size:.82rem;font-weight:700}.calc{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 18px 40px -30px #292b2655}.calc .calc-title{font-family:var(--serif);font-size:1.3rem;margin-bottom:18px}.fields{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px}.field{margin-bottom:16px}.field label{display:block;font-weight:700;font-size:.8rem;line-height:1.45;margin-bottom:7px;color:var(--ink)}.field input,.field select,.field textarea{display:block;min-width:0;max-width:100%;width:100%;padding:12px;border:1.5px solid var(--line);border-radius:9px;background:#fffdf8;color:var(--ink);font-size:.92rem}.field small{display:block;font-size:.71rem;color:var(--muted);line-height:1.55;margin-top:6px}.field input:disabled{opacity:.6;background:var(--bg)}.out{padding:22px;background:var(--pale);border-radius:11px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:18px;margin-top:10px}.out .num{display:block;color:var(--teal-d);font-size:clamp(1.65rem,2.6vw,2.25rem);overflow-wrap:anywhere;font-variant-numeric:tabular-nums}.out small{display:block;font-size:.74rem;color:var(--teal-d);line-height:1.45;margin-top:7px}.formula{font-size:.73rem;color:var(--muted);margin-top:13px}.error{font-size:.8rem;color:#9b3025;margin-bottom:12px}.comparison{margin-top:21px;border-top:1px solid var(--line);padding-top:18px}.comparison summary{font-size:.82rem;font-weight:700;color:var(--teal-d);cursor:pointer;margin-bottom:15px}.comparison .net{margin-top:12px;font-size:.84rem;padding:14px;background:var(--bg);border-radius:8px}.comparison .net strong{font-family:var(--serif);font-size:1.55rem;display:block;margin-bottom:4px}.reset{border:0;background:transparent;color:var(--teal-d);font-size:.77rem;font-weight:700;padding:8px 0;text-decoration:underline;text-underline-offset:4px;margin-top:10px}.dark-strip{background:var(--ink);color:var(--paper);padding:35px 0}.dark-strip .grid-3{gap:32px}.dark-strip strong{font-family:var(--serif);display:block;font-size:1.4rem;margin-bottom:9px}.dark-strip p{font-size:.85rem;color:#d6d1c5}.sgsl-path{display:flex;flex-wrap:wrap;gap:8px;margin-top:24px}.sgsl-path span{padding:10px 13px;border-radius:8px;background:var(--pale);border:1px solid #c1d4c5;font-weight:700;font-size:.76rem;color:var(--teal-d)}.route{margin-top:25px;border-top:1px solid var(--line);padding-top:20px}.route summary{cursor:pointer;font-weight:700;font-size:.9rem;color:var(--teal-d)}.route-content{margin-top:15px;font-size:.83rem;color:var(--muted)}.route-content p+p{margin-top:12px}.route-content strong{color:var(--ink)}.benefit-note{background:var(--amber);border:1px solid #dfceac;padding:15px 18px;border-radius:10px;margin-top:18px;font-size:.81rem;color:#695023}.module-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.module{padding:23px;border:1px solid var(--line);border-radius:13px;background:var(--paper)}.module.primary{border-color:#a5c0ae;background:var(--pale)}.module h3{font-size:1.19rem;margin:11px 0 10px}.module p{font-size:.85rem;color:var(--muted)}.module small{display:block;font-size:.73rem;line-height:1.55;color:var(--teal-d);margin-top:17px;font-weight:700}.rag-question{font-family:var(--serif);font-size:1.4rem;line-height:1.5;color:var(--teal-d);border-left:3px solid var(--teal);padding-left:18px;margin:20px 0}.founder{background:var(--ink);color:var(--paper)}.founder .eyebrow{color:#8dc6ba}.founder p{color:#d6d1c5;font-size:.95rem}.founder p strong{color:var(--paper)}.founder .grid-2{align-items:center}.founder h2{max-width:17em}.founder p+p{margin-top:17px}.contact{background:linear-gradient(180deg,var(--paper),var(--amber))}.contact form{background:var(--paper);padding:28px;border:1px solid var(--line);border-radius:16px}.contact .btn{width:100%}.contact textarea{resize:vertical;min-height:94px}.contact .mail-address{font-size:.89rem;margin-top:20px}.contact .head{margin:0}.privacy-note{margin-top:23px;font-size:.8rem;color:var(--muted)}footer{border-top:1px solid var(--line);padding:28px 0;font-size:.76rem;color:var(--muted)}footer .wrap{display:flex;justify-content:space-between;gap:25px;flex-wrap:wrap}.footer-links{display:flex;gap:20px;flex-wrap:wrap}.sources{margin-top:17px;font-size:.74rem;color:var(--muted)}.sources a{font-weight:700}.full-link{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:.85rem;margin-top:22px}.no-script{padding:15px;background:var(--amber);font-size:.85rem;margin-bottom:20px}
@media(max-width:940px){.wrap{padding:0 24px}.topnav{gap:16px}.topnav .desktop{display:none}.hero-grid{grid-template-columns:minmax(0,1fr);gap:32px}.hero h1{max-width:20em}.hero-visual{max-width:750px}.hero-visual img{aspect-ratio:2.1}.grid-2{gap:29px}.module-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{gap:16px}.card{padding:20px}}
@media(max-width:690px){html{scroll-padding-top:84px}.wrap{padding:0 22px}.topbar .wrap{min-height:66px;gap:12px}.brand img{width:144px}.topnav a{font-size:.74rem}.topnav .savings-nav{display:none}.btn.small{font-size:.7rem;padding:8px 11px;min-height:39px}.mission{padding:23px 0}.mission .wrap{display:block}.mission .eyebrow{font-size:.75rem;margin-bottom:9px}.mission p:last-child{font-size:1.18rem;line-height:1.4}.hero{padding:30px 0 38px}.hero h1{font-size:clamp(2rem,7.6vw,2.8rem);line-height:1.1}.hero .lead{font-size:.93rem;margin:18px 0 21px}.hero-actions .secondary{gap:10px}.hero-actions .secondary .btn{width:100%}.hero-actions .fine{font-size:.74rem}.hero-visual{box-shadow:5px 7px 0 #ded5c3}.hero-visual figcaption{padding:19px}.hero-visual img{aspect-ratio:1.7}.eyebrow{font-size:.66rem}.block{padding:47px 0}.head{margin-bottom:26px}.lead{font-size:.94rem}.grid-2,.grid-3,.module-grid{grid-template-columns:minmax(0,1fr);gap:24px}.phone-figure{max-width:350px}.calc{padding:21px}.fields{gap:12px}.field label{font-size:.75rem}.field input,.field select,.field textarea{font-size:16px;padding:11px}.out{gap:13px;padding:18px}.out .num{font-size:1.9rem}.out small{font-size:.71rem}.dark-strip{padding:29px 0}.dark-strip .grid-3{gap:23px}.dark-strip strong{font-size:1.27rem}.module{padding:22px}.contact form{padding:22px}.founder p{font-size:.9rem}.founder h2{font-size:1.9rem}.example-row{grid-template-columns:79px minmax(0,1fr)}.statement{font-size:.86rem;padding:17px}.sgsl-path span{font-size:.71rem}.privacy-note{font-size:.75rem}footer .wrap{display:block}.footer-links{margin-top:14px;gap:17px}}
@media(max-width:360px){.wrap{padding:0 17px}.brand img{width:128px}.btn.small{padding:8px 9px;font-size:.66rem}.hero h1{font-size:1.92rem}.fields{grid-template-columns:minmax(0,1fr)}.out .num{font-size:1.6rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{.topbar{position:static}.btn,.reset,.contact form{display:none}body{background:white}.block{padding:25px 0}a{color:inherit}.hero-grid{grid-template-columns:1fr 1fr}.grid-2{grid-template-columns:1fr 1fr}details>div,details>p{display:block}.calc,.card,.module{break-inside:avoid}}

.founder-links{background:var(--paper);color:var(--muted);border:1px solid var(--line);border-radius:10px;padding:12px 16px}
.founder-links a{color:var(--teal-d);font-weight:600;text-decoration:underline}