:root{--ink:#10233f;--muted:#62708a;--line:#dce4ef;--paper:#fff;--wash:#f5f8fc;--accent:#0f8b78;--accent-dark:#086355;--accent-soft:#dff5ef;--gold:#f4b740;--shadow:0 20px 55px rgba(16,35,63,.12);--radius:22px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:linear-gradient(180deg,#f9fbfe 0,#fff 34%,#f6f9fc 100%);line-height:1.55}.wrap{width:min(1160px,calc(100% - 40px));margin:0 auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);backdrop-filter:blur(14px);border-bottom:1px solid rgba(220,228,239,.8)}.nav{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-weight:850;letter-spacing:-.03em;font-size:1.15rem}.brand span{color:var(--accent)}.nav-links{display:flex;align-items:center;gap:20px}.nav-links a{color:var(--ink);text-decoration:none;font-weight:650;font-size:.95rem}.nav-links a:hover{color:var(--accent)}.nav-cta{display:inline-flex!important;align-items:center;justify-content:center;padding:10px 16px;border-radius:999px;background:var(--ink);color:#fff!important}.nav-cta:hover{background:#1a3761!important}.hero{padding:86px 0 58px}.hero-grid{display:grid;grid-template-columns:1.06fr .94fr;align-items:center;gap:54px}.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 12px;border-radius:999px;background:var(--accent-soft);color:var(--accent-dark);font-weight:800;font-size:.84rem}.hero h1{font-size:clamp(2.8rem,6vw,5.4rem);line-height:.98;letter-spacing:-.055em;margin:22px 0 22px;max-width:820px}.hero h1 em{font-style:normal;color:var(--accent)}.hero-copy{font-size:1.15rem;color:var(--muted);max-width:680px}.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 20px;border-radius:14px;border:1px solid var(--ink);text-decoration:none;font-weight:800;cursor:pointer;font:inherit}.btn-primary{background:var(--ink);color:#fff}.btn-primary:hover{background:#1a3761}.btn-secondary{background:#fff;color:var(--ink);border-color:var(--line)}.btn-secondary:hover{border-color:#b7c3d6}.hero-proof{display:flex;flex-wrap:wrap;gap:18px;margin-top:24px;color:var(--muted);font-size:.9rem}.proof strong{color:var(--ink)}.hero-card{position:relative;background:var(--paper);border:1px solid var(--line);border-radius:30px;padding:22px;box-shadow:var(--shadow);overflow:hidden}.hero-card:before{content:"";position:absolute;inset:-30% 35% 45% -20%;background:radial-gradient(circle,var(--accent-soft),transparent 65%)}.hero-card-inner{position:relative;z-index:1}.mini-label{font-size:.83rem;font-weight:800;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}.hero-number{font-size:3.2rem;font-weight:900;letter-spacing:-.05em;margin:8px 0 2px}.hero-sub{color:var(--muted)}.hero-bars{display:grid;gap:11px;margin-top:22px}.bar-row{display:grid;grid-template-columns:95px 1fr 72px;align-items:center;gap:10px;font-size:.9rem}.bar{height:12px;border-radius:999px;background:#eaf0f7;overflow:hidden}.bar i{display:block;height:100%;border-radius:inherit;background:linear-gradient(90deg,var(--accent),#49bfa8)}.hero-note{margin-top:18px;padding:14px;border-radius:16px;background:var(--wash);color:var(--muted);font-size:.88rem}.section{padding:88px 0}.section.alt{background:rgba(245,248,252,.72);border-top:1px solid rgba(220,228,239,.7);border-bottom:1px solid rgba(220,228,239,.7)}.section-head{max-width:760px;margin-bottom:34px}.section-kicker{color:var(--accent-dark);font-weight:850;font-size:.86rem;text-transform:uppercase;letter-spacing:.1em}.section h2{font-size:clamp(2rem,4vw,3.2rem);letter-spacing:-.045em;line-height:1.05;margin:10px 0 14px}.section-lead{font-size:1.08rem;color:var(--muted)}.three-step{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.info-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 10px 30px rgba(16,35,63,.05)}.info-card .step{width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;display:grid;place-items:center;font-weight:900;margin-bottom:16px}.info-card h3{margin:0 0 8px;font-size:1.15rem}.info-card p{margin:0;color:var(--muted)}.fire-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.fire-card{padding:24px;border-radius:20px;border:1px solid var(--line);background:#fff;min-height:230px;display:flex;flex-direction:column}.fire-card .tag{font-size:.78rem;font-weight:850;color:var(--accent-dark);text-transform:uppercase;letter-spacing:.08em}.fire-card h3{font-size:1.4rem;margin:10px 0 10px}.fire-card p{color:var(--muted);margin:0 0 18px}.fire-card .meta{margin-top:auto;font-weight:850;color:var(--ink)}.calculator{display:grid;grid-template-columns:1fr .94fr;gap:22px;align-items:stretch}.calc-panel,.result-panel{background:#fff;border:1px solid var(--line);border-radius:26px;padding:28px;box-shadow:0 14px 40px rgba(16,35,63,.06)}.field-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.field label{display:block;font-weight:800;font-size:.9rem;margin-bottom:7px}.field input,.field select{width:100%;height:48px;border:1px solid #cfd9e7;border-radius:12px;padding:0 12px;font:inherit;color:var(--ink);background:#fff}.field input:focus,.field select:focus{outline:3px solid rgba(15,139,120,.15);border-color:var(--accent)}.calc-actions{margin-top:20px;display:flex;gap:10px;align-items:center;flex-wrap:wrap}.disclaimer{font-size:.78rem;color:var(--muted);margin-top:14px}.result-top{display:flex;justify-content:space-between;gap:16px;align-items:flex-start}.result-badge{padding:7px 10px;border-radius:999px;background:var(--accent-soft);color:var(--accent-dark);font-size:.78rem;font-weight:850}.result-value{font-size:2.8rem;letter-spacing:-.05em;font-weight:900;margin:16px 0 2px}.result-caption{color:var(--muted)}.result-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:22px}.stat{padding:15px;border:1px solid var(--line);border-radius:16px;background:var(--wash)}.stat small{display:block;color:var(--muted);font-size:.76rem;text-transform:uppercase;letter-spacing:.08em}.stat 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.btn-primary{background:#fff;color:var(--ink);border-color:#fff}.cta .btn-primary:hover{background:#edf4fb}.footer{padding:30px 0 50px;color:var(--muted);font-size:.9rem}.footer-row{display:flex;justify-content:space-between;gap:16px;align-items:center;flex-wrap:wrap}.footer a{color:var(--ink);text-decoration:none;font-weight:700}.mobile-only{display:none}@media(max-width:980px){.hero-grid,.calculator,.life-grid,.trust{grid-template-columns:1fr}.fire-grid{grid-template-columns:repeat(2,1fr)}.three-step{grid-template-columns:1fr}.cta-card{display:block}.cta-card .btn{margin-top:22px}}@media(max-width:700px){.wrap{width:min(100% - 24px,1160px)}.nav{min-height:64px}.nav-links{gap:12px}.nav-links a:not(.nav-cta){display:none}.hero{padding:56px 0 30px}.hero h1{font-size:clamp(2.45rem,15vw,4rem)}.hero-copy{font-size:1.03rem}.section{padding:64px 0}.field-grid,.result-grid{grid-template-columns:1fr}.fire-grid{grid-template-columns:1fr}.bar-row{grid-template-columns:80px 1fr 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