*{box-sizing:border-box}body{margin:0;font-family:Arial,sans-serif;color:#172033;line-height:1.55}a{color:inherit}.wrap{width:min(1100px,calc(100% - 32px));margin:auto}header{border-bottom:1px solid #dce2ea}.nav{height:70px;display:flex;align-items:center;justify-content:space-between}.brand{font-size:20px;font-weight:800;color:#10233f;text-decoration:none}.section{padding:55px 0}h1,h2,h3{color:#10233f}h1{font-size:clamp(2rem,4vw,3.25rem);line-height:1.06;letter-spacing:-.035em}.lead{font-size:1.08rem;color:#5e6878;max-width:820px}.eyebrow{font-size:.82rem;font-weight:800;text-transform:uppercase;letter-spacing:.09em;color:#1f67d2}.grid{display:grid;grid-template-columns:1.15fr .85fr;gap:28px;align-items:start}.stack,.sticky{display:grid;gap:18px}.sticky{position:sticky;top:18px}.card,.cta{border:1px solid #dce2ea;border-radius:14px;padding:22px;background:#fff}.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}.full{grid-column:1/-1}label{display:block;font-size:.9rem;font-weight:700}input{width:100%;margin-top:6px;padding:12px;border:1px solid #bdc6d3;border-radius:8px;font:inherit}.help{font-size:.78rem;color:#5e6878;font-weight:400;margin-top:5px}.result{background:#10233f;color:#fff;text-align:center;border-radius:14px;padding:25px}.result .rate{font-size:clamp(2.4rem,6vw,4rem);font-weight:800}.result small{opacity:.8}.row{display:flex;justify-content:space-between;gap:15px;border-top:1px solid #dce2ea;padding:10px 0;font-size:.9rem}.row span{color:#5e6878}.cta{background:#f5f7fa}.btn{display:inline-block;background:#1f67d2;color:white;text-decoration:none;font-weight:700;padding:12px 17px;border-radius:8px}.teach{max-width:850px}.teach h2{margin-top:42px}.footer{border-top:1px solid #dce2ea;padding:28px 0;color:#5e6878;font-size:.9rem}.error{display:none;color:#8a2525;border:1px solid #d99;padding:10px;border-radius:8px}@media(max-width:800px){.grid,.fields{grid-template-columns:1fr}.full{grid-column:auto}.sticky{position:static}.section{padding:40px 0}}.calculator-title{font-size:clamp(2.6rem,5vw,4.4rem);line-height:1.02;margin:0 0 16px;letter-spacing:-.045em}.calculator-question{font-size:clamp(1.55rem,3vw,2.2rem);line-height:1.15;margin:0 0 20px;font-weight:700}.cta-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}.btn.secondary{background:#fff;color:#1f67d2;border:2px solid #1f67d2;padding:10px 15px}.btn.secondary:hover{background:#eef4fd}.footer a{color:inherit}@media(max-width:600px){.cta-actions{flex-direction:column}.cta-actions .btn{text-align:center}}