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70%)}.hp-blob-2{bottom:-150px;left:-80px;width:550px;height:500px;background:radial-gradient(ellipse,rgba(43,127,255,0.05)0%,transparent 65%)}.hp-hero-inner{position:relative;z-index:1;max-width:1200px;margin:0 auto;width:100%;padding:80px 64px 0;display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center;flex:1}.hp-tag{display:inline-flex;align-items:center;gap:7px;background:var(--off);border:1px solid var(--border);border-radius:20px;padding:5px 14px 5px 10px;font-size:12px;font-weight:500;color:var(--muted);margin-bottom:28px}.hp-tag-icon{width:20px;height:20px;border-radius:50%;background:linear-gradient(135deg,var(--orange),#ff8c42);display:flex;align-items:center;justify-content:center;font-size:10px;flex-shrink:0}.hp-hed{font-size:clamp(42px,5vw,68px);font-weight:900;line-height:1.0;letter-spacing:-3px;color:var(--navy);margin-bottom:24px}.hp-hed .orange{background:linear-gradient(135deg,var(--orange)0%,#ff6b35 60%);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}.hp-sub{font-size:17px;color:var(--muted);line-height:1.65;max-width:420px;font-weight:400;margin-bottom:36px}.hp-btns{display:flex;gap:12px;margin-bottom:36px;flex-wrap:wrap}.hp-trust-chips{display:flex;flex-wrap:wrap;gap:8px}.hp-result-eyebrow{font-size:12px;font-weight:600;letter-spacing:0.08em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}.hp-result-num{font-family:'DM Mono',monospace;font-size:clamp(64px,7vw,100px);font-weight:500;color:var(--orange);line-height:1;letter-spacing:-4px;margin-bottom:6px;transition:all 0.25s cubic-bezier(.34,1.4,.64,1)}.hp-result-sub{font-size:14px;color:var(--muted);font-style:italic;margin-bottom:28px}.hp-mini-rows{display:flex;flex-direction:column;gap:6px}.hp-mini-row{display:flex;justify-content:space-between;align-items:center;padding:10px 16px;background:var(--off);border:1px solid var(--border);border-radius:10px}.hp-mini-label{font-size:13px;color:var(--muted);font-weight:500}.hp-mini-val{font-family:'DM Mono',monospace;font-size:13px;color:var(--navy);font-weight:500}.hp-mini-val.ded{color:#c0392b}.hp-mini-row.total-row{background:var(--navy);border-color:var(--navy)}.hp-mini-row.total-row .hp-mini-label{color:rgba(255,255,255,0.7);font-weight:600}.hp-mini-row.total-row .hp-mini-val{color:var(--orange);font-size:16px;font-weight:700}.hp-calc-strip{background:var(--navy);padding:48px 0;position:relative;z-index:1;margin-top:64px}.cat-section{padding:80px 0;background:var(--off)}.cat-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:4px}.cat-btn{display:flex;flex-direction:column;align-items:center;gap:8px;padding:20px 16px;background:white;border:1.5px solid var(--border);border-radius:var(--radius);cursor:pointer;transition:all 0.2s;text-decoration:none;color:var(--navy)}.cat-btn:hover{border-color:rgba(43,127,255,0.3);box-shadow:var(--shadow);transform:translateY(-2px);text-decoration:none}.cat-btn-dot{width:12px;height:12px;border-radius:50%}.cat-btn-label{font-size:13px;font-weight:600;color:var(--navy);text-align:center;line-height:1.3}.cat-btn-count{font-size:11px;color:var(--muted)}.tools-section{padding:80px 0}.tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.why-section{background:var(--navy);padding:80px 0}.why-inner{max-width:1200px;margin:0 auto;padding:0 64px}.why-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:48px;margin-top:48px}.why-icon{width:44px;height:44px;border-radius:12px;background:rgba(245,98,15,0.12);border:1px solid rgba(245,98,15,0.2);display:flex;align-items:center;justify-content:center;font-size:20px;margin-bottom:20px}.why-col h3{font-size:18px;font-weight:700;color:white;margin-bottom:12px;letter-spacing:-0.3px}.why-col p{font-size:14px;color:rgba(255,255,255,0.55);line-height:1.7}@media(max-width:1024px){.container{padding:0 40px}.calc-strip-inner{padding:0 40px}.breakdown-inner{padding:0 40px}.what-inner{padding:0 40px}.seo-inner{padding:0 40px}.hp-hero-inner{padding:60px 40px 0;gap:48px}.trust-bar-inner{padding:0 40px}.sliders-grid{grid-template-columns:repeat(2,1fr)}.selects-row{grid-template-columns:repeat(2,1fr)}.cat-grid{grid-template-columns:repeat(3,1fr)}}@media(max-width:768px){body{padding-top:56px}.site-nav{padding:0 16px !important;height:56px}.nav-links{display:none !important}.nav-cfo{display:none !important}.nav-mobile-btn{display:flex !important}.nav-logo{margin-right:auto}.nav-mobile-open .nav-links{display:flex !important;flex-direction:column;position:fixed;top:56px;left:0;right:0;background:var(--navy);padding:8px 0 8px;gap:0;z-index:998;border-bottom:2px solid var(--orange);box-shadow:0 8px 32px rgba(0,0,0,0.4);list-style:none;margin:0;max-height:calc(100vh - 56px);overflow-y:auto}.nav-mobile-open .nav-links li{list-style:none}.nav-mobile-open .nav-links a{display:block;padding:14px 24px;font-size:15px;font-weight:500;color:rgba(255,255,255,0.85)!important;text-decoration:none;border-bottom:1px solid rgba(255,255,255,0.06)}.nav-mobile-open .nav-links a:hover{background:rgba(255,255,255,0.05);color:white !important}.container{padding:0 16px}.section{padding:48px 0}.hp-hero{padding-top:0}.hp-hero-inner{grid-template-columns:1fr;gap:28px;padding:32px 16px 0}.hp-hed{font-size:36px;letter-spacing:-1.5px}.hp-sub{font-size:16px}.hp-result-num{font-size:56px}.hp-result-card{padding:28px 24px}.trust-bar-inner{flex-wrap:wrap;gap:12px;padding:0 16px}.trust-item{font-size:12px}.cat-grid{grid-template-columns:repeat(2,1fr);gap:12px}.cat-card{padding:20px 16px}.tools-grid{grid-template-columns:1fr;gap:10px}.why-cols{grid-template-columns:1fr;gap:28px}.why-inner{padding:0 16px}.what-cards{grid-template-columns:1fr}.what-inner{padding:0 16px}.calc-page{padding-top:0;overflow-x:hidden}.calc-hero{padding:20px 0 0}.calc-hero-grid{display:flex !important;flex-direction:column !important;gap:16px !important;padding:0 !important}.calc-title{font-size:24px !important;letter-spacing:-0.5px;line-height:1.15}.calc-prefix{font-size:13px}.calc-desc{font-size:14px;margin-bottom:12px}.result-hero{text-align:left !important;padding:20px;background:var(--off);border-radius:12px}.result-hero-num{font-size:36px !important;letter-spacing:-1px !important;word-break:break-all;overflow-wrap:anywhere;max-width:100%}.calc-strip-inner{padding:32px 16px}.sliders-grid{grid-template-columns:1fr;gap:20px}.selects-row{grid-template-columns:1fr;gap:12px}.type-toggle{flex-wrap:wrap;gap:8px}.save-row{flex-direction:column;gap:12px;align-items:flex-start}.save-action{width:100%;text-align:center}.breakdown-inner{grid-template-columns:1fr;padding:0 16px;gap:24px}.breakdown-sidebar{order:-1}.stat-trio{grid-template-columns:1fr;gap:10px}.stat-box{padding:16px}.breakdown-card{padding:0}.breakdown-head{padding:14px 16px;font-size:13px}.bd-row{padding:10px 16px;flex-wrap:wrap;gap:4px}.bd-label{font-size:13px}.bd-val{font-size:13px}.bd-total{padding:14px 16px}.bd-total-label{font-size:14px}.bd-total-val{font-size:18px}.cfo-tip{padding:20px}.sidebar-card{padding:0}.sidebar-card-head{padding:12px 16px}.sidebar-links{padding:8px 0}.sidebar-link{padding:10px 16px}.seo-cols{grid-template-columns:1fr}.seo-inner{padding:32px 16px}.seo-title{font-size:20px;margin-bottom:20px}.footer-top{grid-template-columns:1fr;gap:28px}.site-footer{padding:40px 16px 28px}.footer-brand{max-width:100%}.privacy-badge{flex-direction:column;align-items:flex-start;gap:8px}}@media(max-width:480px){.hp-hed{font-size:28px}.result-hero-num{font-size:28px !important;letter-spacing:-0.5px !important}.calc-title{font-size:20px !important}.cat-grid{grid-template-columns:1fr}.stat-trio{grid-template-columns:1fr 1fr}.footer-top{grid-template-columns:1fr}.breakdown-wrap{padding:20px 0}.breakdown-inner{padding:0 12px}.calc-strip-inner{padding:20px 12px}.container{padding:0 12px}body{overflow-x:hidden}}.ad-slot{display:block;text-align:center;overflow:hidden}.ad-slot.ad-leaderboard{min-height:0;background:transparent;padding:0;border-bottom:none}.ad-slot.ad-leaderboard.is-filled{padding:8px 0;border-bottom:1px solid var(--border)}.ad-slot.ad-in-content{min-height:0;padding:0;display:flex;align-items:center;justify-content:center}.ad-slot.ad-in-content.is-filled{padding:24px 0}.ad-slot.ad-sidebar{min-height:0;margin-top:0}.ad-slot.ad-sidebar.is-filled{margin-top:24px}.ad-slot ins{display:block}.ad-slot.adsense-loaded>span.ad-placeholder{display:none}.ad-unit{display:block;width:100%;text-align:center;overflow:hidden;background:transparent}.ad-unit-leaderboard{min-height:0;padding:0;border-top:none;border-bottom:none;margin-bottom:0}.ad-unit-leaderboard.is-filled{padding:8px 0;border-bottom:1px solid var(--border)}.ad-unit-in-content{min-height:0;padding:0;margin:0}.ad-unit-in-content.is-filled{padding:24px 0;margin:32px 0}.ad-unit-sidebar{min-height:0;margin-top:0}.ad-unit-sidebar.is-filled{margin-top:24px}.ad-unit-footer{min-height:0;padding:0;border-top:none;margin-bottom:0}.ad-unit-footer.is-filled{padding:16px 0;border-top:1px solid rgba(255,255,255,0.08);margin-bottom:16px}@media(max-width:768px){.toggle-btn{min-height:44px}.save-action{min-height:44px}.sel-dark{min-height:44px;font-size:16px}input[type="range"].calcu-range{height:44px}input,select,textarea{font-size:16px !important}.calcu-range{height:36px;cursor:pointer}}.share-trigger-wrap{display:flex;justify-content:center;padding:32px 0 16px}.share-trigger-btn{display:inline-flex;align-items:center;gap:10px;background:white;color:var(--navy);border:1.5px solid var(--border);border-radius:10px;padding:11px 22px;font-size:14px;font-weight:600;cursor:pointer;transition:border-color 0.15s,box-shadow 0.15s;font-family:'Inter',sans-serif}.share-trigger-btn:hover{border-color:var(--navy);box-shadow:0 2px 12px rgba(11,31,58,0.1)}.share-trigger-btn svg{flex-shrink:0}.share-modal-overlay{display:none;position:fixed;inset:0;background:rgba(11,31,58,0.55);z-index:2000;align-items:center;justify-content:center;padding:20px;backdrop-filter:blur(2px)}.share-modal-overlay.open{display:flex}.share-modal{background:white;border-radius:16px;padding:28px;max-width:420px;width:100%;box-shadow:0 24px 64px rgba(11,31,58,0.2);position:relative;animation:modalIn 0.2s cubic-bezier(.34,1.4,.64,1)}@keyframes modalIn{from{opacity:0;transform:scale(0.95)translateY(8px)}to{opacity:1;transform:scale(1)translateY(0)}}.share-modal-head{font-size:17px;font-weight:700;color:var(--navy);margin-bottom:6px}.share-modal-sub{font-size:13px;color:var(--muted);margin-bottom:20px}.share-modal-close{position:absolute;top:16px;right:16px;background:var(--off);border:1px solid var(--border);border-radius:50%;width:32px;height:32px;display:flex;align-items:center;justify-content:center;cursor:pointer;font-size:16px;color:var(--muted);transition:background 0.15s;line-height:1}.share-modal-close:hover{background:var(--border)}.share-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:14px}.share-item{display:flex;flex-direction:column;align-items:center;gap:7px;padding:14px 8px;border-radius:10px;text-decoration:none;cursor:pointer;border:none;background:var(--off);transition:background 0.15s,transform 0.1s;font-family:'Inter',sans-serif}.share-item:hover{background:var(--border);transform:translateY(-1px)}.share-item-icon{width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:20px}.share-item-label{font-size:11px;font-weight:600;color:var(--navy);letter-spacing:0.02em}.share-copy-row{display:flex;gap:8px;margin-top:4px}.share-copy-input{flex:1;padding:9px 12px;border:1.5px solid var(--border);border-radius:8px;font-size:12px;color:var(--muted);background:var(--off);font-family:'DM Mono',monospace;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.share-copy-btn{padding:9px 16px;background:var(--navy);color:white;border:none;border-radius:8px;font-size:12px;font-weight:600;cursor:pointer;font-family:'Inter',sans-serif;transition:opacity 0.15s;white-space:nowrap}.share-copy-btn:hover{opacity:0.88}@media(max-width:480px){.share-grid{grid-template-columns:repeat(3,1fr);gap:8px}.share-item{padding:12px 6px}.share-item-icon{width:36px;height:36px;font-size:18px}}}.sl-input-row{display:flex;align-items:center;gap:10px;margin-top:6px}.sl-input-row .calcu-range{flex:1}.sl-number-input{width:84px;padding:5px 10px;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.15);border-radius:8px;font-family:'DM Mono',monospace;font-size:13px;font-weight:500;color:white;text-align:right;transition:border-color 0.15s,background 0.15s;flex-shrink:0;-webkit-appearance:none}.sl-number-input::placeholder{color:rgba(255,255,255,0.3)}.sl-number-input:focus{outline:none;border-color:var(--orange);background:rgba(255,255,255,0.12)}.sl-number-input.pct-input{width:64px}@media(max-width:768px){.sl-number-input{width:72px;font-size:12px}.sl-number-input.pct-input{width:56px}}.faq-section{padding:56px 0;background:var(--off);border-top:1px solid var(--border)}.faq-inner{max-width:800px;margin:0 auto;padding:0 32px}.faq-title{font-size:22px;font-weight:800;color:var(--navy);margin-bottom:24px;letter-spacing:-0.5px}.faq-item{background:white;border:1px solid var(--border);border-radius:var(--radius);margin-bottom:10px;overflow:hidden;transition:box-shadow 0.2s}.faq-item:hover{box-shadow:0 2px 12px rgba(11,31,58,0.07)}.faq-q{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 20px;font-size:15px;font-weight:600;color:var(--navy);cursor:pointer;user-select:none;transition:background 0.15s;margin:0}.faq-q:hover{background:var(--off)}.faq-icon{width:28px;height:28px;border-radius:50%;background:var(--off);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:background 0.2s,border-color 0.2s;font-size:16px;line-height:1;color:var(--navy);font-weight:400}.faq-item.open .faq-icon{background:var(--orange);border-color:var(--orange);color:white}.faq-a{font-size:14px;color:var(--muted);line-height:1.75;padding:0 20px 18px;display:none;border-top:1px solid var(--border);padding-top:16px}.faq-item.open .faq-a{display:block}@media(max-width:768px){.faq-inner{padding:0 16px}.faq-title{font-size:18px}.faq-q{font-size:14px;padding:16px}.faq-a{font-size:13px;padding:0 16px 16px;padding-top:14px}}.faq-title{font-size:20px}}.cfo-book-cta{background:var(--navy);padding:20px 0}.cfo-book-inner{max-width:960px;margin:0 auto;padding:0 32px;display:flex;align-items:center;justify-content:space-between;gap:24px}.cfo-book-text{display:flex;flex-direction:column;gap:4px}.cfo-book-text strong{color:white;font-size:15px}.cfo-book-text span{color:rgba(255,255,255,0.65);font-size:13px}.cfo-book-btn{background:var(--orange);color:white;padding:10px 20px;border-radius:8px;font-weight:700;font-size:14px;text-decoration:none;white-space:nowrap;transition:opacity 0.15s;flex-shrink:0}.cfo-book-btn:hover{opacity:0.88}@media(max-width:768px){.cfo-book-inner{flex-direction:column;align-items:flex-start;padding:0 16px}.cfo-book-btn{width:100%;text-align:center}}.calc-byline{display:flex;align-items:center;gap:8px;margin-bottom:12px;flex-wrap:wrap}.byline-label{font-size:12px;color:var(--muted)}.byline-name{font-size:12px;font-weight:600;color:var(--navy);text-decoration:none}.byline-name:hover{color:var(--orange)}.byline-linkedin{font-size:12px;color:#0A66C2;text-decoration:none;font-weight:600}.byline-sep{color:var(--border);font-size:12px}.byline-updated{font-size:12px;color:var(--muted)}
/* ── Calculator Search ── */
.nav-search-wrap {
  position: relative;
  margin-left: auto;
  margin-right: 16px;
}
.nav-search-btn {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 8px;
  color: rgba(255,255,255,0.7);
  padding: 6px 12px;
  font-size: 13px;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: 'Inter', sans-serif;
  transition: background 0.15s;
  white-space: nowrap;
}
.nav-search-btn:hover { background: rgba(255,255,255,0.15); color: white; }
.search-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(11,31,58,0.7);
  z-index: 2000;
  align-items: flex-start;
  justify-content: center;
  padding-top: 80px;
  backdrop-filter: blur(3px);
}
.search-overlay.open { display: flex; }
.search-box {
  background: white;
  border-radius: 16px;
  width: 100%;
  max-width: 600px;
  margin: 0 20px;
  box-shadow: 0 24px 64px rgba(11,31,58,0.3);
  overflow: hidden;
  animation: searchIn 0.2s cubic-bezier(.34,1.4,.64,1);
}
@keyframes searchIn { from { opacity:0; transform: translateY(-12px) scale(0.97); } to { opacity:1; transform: translateY(0) scale(1); } }
.search-input-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 20px;
  border-bottom: 1px solid var(--border);
}
.search-input-wrap svg { color: var(--muted); flex-shrink: 0; }
.search-input {
  flex: 1;
  border: none;
  outline: none;
  font-size: 16px;
  font-family: 'Inter', sans-serif;
  color: var(--navy);
  background: transparent;
}
.search-input::placeholder { color: var(--muted); }
.search-close {
  background: var(--off);
  border: 1px solid var(--border);
  border-radius: 6px;
  width: 28px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 14px;
  color: var(--muted);
  flex-shrink: 0;
}
.search-results {
  max-height: 420px;
  overflow-y: auto;
  padding: 8px 0;
}
.search-result {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 20px;
  text-decoration: none;
  transition: background 0.1s;
  cursor: pointer;
}
.search-result:hover { background: var(--off); }
.search-result-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}
.search-result-info { flex: 1; min-width: 0; }
.search-result-name {
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 2px;
}
.search-result-name mark {
  background: rgba(245,98,15,0.15);
  color: var(--orange);
  border-radius: 2px;
  font-weight: 700;
}
.search-result-desc {
  font-size: 12px;
  color: var(--muted);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.search-result-cat {
  font-size: 11px;
  font-weight: 600;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  flex-shrink: 0;
}
.search-empty {
  padding: 32px 20px;
  text-align: center;
  color: var(--muted);
  font-size: 14px;
}
.search-footer {
  padding: 10px 20px;
  border-top: 1px solid var(--border);
  font-size: 11px;
  color: var(--muted);
  display: flex;
  justify-content: space-between;
}
@media (max-width: 768px) {
  .nav-search-wrap { display: none; }
}