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var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:32px}.calc-field{margin-bottom:18px}.calc-field label{color:var(--ink-soft);margin-bottom:8px;font-size:13px;font-weight:600;display:block}.calc-field .unit{color:var(--ink-soft);opacity:.7;font-size:12px;font-weight:400}.calc-field-amount{color:var(--gold);margin:-2px 0 8px;font-size:13px;font-weight:700}.calc-field input[type=number],.calc-field input[type=text]{border:1.5px solid var(--line);background:var(--mist);width:100%;color:var(--ink);border-radius:10px;padding:12px 14px;font-size:15px;transition:all .2s}.calc-field input[type=number]:focus,.calc-field input[type=text]:focus{border-color:var(--gold);background:var(--paper);outline:none}.calc-row-2{grid-template-columns:1fr 1fr;gap:16px;display:grid}.calc-chk-row{color:var(--ink);align-items:center;gap:10px;margin:20px 0 14px;font-size:14px;display:flex}.calc-chk-row 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#ffffff2e;margin-top:10px;padding-top:16px;font-size:16px;font-weight:700}.calc-result-line.total .v{color:var(--gold-soft);font-size:19px}.calc-bar-track{background:#ffffff1f;border-radius:100px;height:5px;margin-bottom:6px;overflow:hidden}.calc-bar-fill{background:linear-gradient(90deg,var(--gold),var(--gold-soft));border-radius:100px;height:100%;transition:width .5s}.calc-proj-box{border-top:1px dashed #fff3;margin-top:22px;padding-top:20px}.calc-proj-grid{grid-template-columns:1fr 1fr;gap:12px;margin-top:10px;display:grid}.calc-proj-cell{background:#ffffff0f;border-radius:12px;padding:14px}.calc-proj-cell .lbl{color:#fff9;margin-bottom:6px;font-size:12px}.calc-proj-cell .val{color:var(--gold-soft);font-size:18px;font-weight:800}.calc-cta-fixed{text-align:center;color:#fff;background:#c4a05429;border:1px solid #c4a05466;border-radius:12px;margin-top:22px;padding:14px;font-size:14.5px;font-weight:700}.calc-notice{color:var(--ink-soft);margin-top:14px;font-size:12px;line-height:1.6}.calc-save-btn{width:100%;margin-top:18px}.calc-advanced{border:1px solid var(--line);border-radius:var(--radius);background:var(--mist);margin-top:28px;padding:22px 26px}.calc-advanced summary{cursor:pointer;color:var(--ink);font-weight:700;list-style:none}.calc-advanced summary::-webkit-details-marker{display:none}.calc-advanced summary:before{content:"+ ";color:var(--gold);font-weight:800}.calc-advanced[open] summary:before{content:"− "}.calc-advanced .body{margin-top:16px}.calc-locked{margin-top:4px}.calc-locked-notice{color:#ffffffbf;background:#ffffff0f;border:1px dashed #ffffff40;border-radius:12px;margin-top:14px;padding:14px 16px;font-size:13.5px;line-height:1.6}.calc-locked-notice b{color:var(--gold-soft)}.calc-locked-btn{width:100%;color:var(--navy-800);background:#fff;margin-top:14px}.calc-advanced-locked{text-align:center;color:var(--ink-soft);background:var(--mist);font-weight:600}.calc-advanced-locked b{color:var(--navy-700)}.calc-compare{border-collapse:collapse;width:100%;margin-top:14px}.calc-compare th,.calc-compare td{text-align:left;border-bottom:1px solid var(--line);padding:10px 0;font-size:14px}.calc-compare th{color:var(--ink-soft);font-weight:600}.calc-compare td{color:var(--navy-700);font-weight:700}@media (width<=900px){.calc-grid,.calc-row-2,.calc-proj-grid{grid-template-columns:1fr}}.teaser-band{background:var(--navy-900);color:#fff}.teaser-wrap{grid-template-columns:1.05fr .95fr;align-items:center;gap:48px;display:grid}.teaser-band .sec-title{color:#fff}.teaser-band .sec-sub{color:#ffffffb8}.teaser-field{margin-top:28px}.teaser-field 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dashed #ffffff24;justify-content:space-between;gap:12px;padding:11px 0;font-size:14.5px;display:flex}.teaser-line b{font-variant-numeric:tabular-nums}.teaser-line b.pos{color:#4ade80}.teaser-line b.neg{color:#f0a5a5}.teaser-total{border-top:1px solid #fff3;justify-content:space-between;align-items:baseline;margin-top:6px;padding-top:16px;font-size:16px;font-weight:700;display:flex}.teaser-total b{color:var(--gold-soft);font-size:26px}.teaser-cta{width:100%;margin-top:20px}@media (width<=960px){.teaser-wrap{grid-template-columns:1fr}}.fmo-vs-mso-grid{grid-template-columns:1fr auto 1fr;align-items:stretch;gap:24px;margin-top:8px;display:grid}.fmo-vs-mso-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:30px 28px}.fmo-vs-mso-card.featured{color:#fff;box-shadow:var(--shadow-lg);background:linear-gradient(175deg,#0e2244,#163258);border:none}.fmo-vs-mso-tag{letter-spacing:.1em;color:var(--gold);margin-bottom:8px;font-size:13px;font-weight:800}.fmo-vs-mso-title{color:var(--ink-soft);margin-bottom:14px;font-size:15px;font-weight:700}.fmo-vs-mso-card.featured .fmo-vs-mso-title{color:#ffffffb3}.fmo-vs-mso-card p{color:var(--ink-soft);font-size:15px;line-height:1.7}.fmo-vs-mso-card.featured p{color:#ffffffe0}.fmo-vs-mso-card.featured p b{color:var(--gold-soft)}.fmo-vs-mso-card p b{color:var(--navy-700)}.fmo-vs-mso-arrow{color:var(--gold);justify-content:center;align-items:center;font-size:24px;font-weight:800;display:flex}@media (width<=800px){.fmo-vs-mso-grid{grid-template-columns:1fr}.fmo-vs-mso-arrow{padding:4px 0;transform:rotate(90deg)}}.who-grid{grid-template-columns:1fr 1fr;gap:24px;max-width:760px;margin:8px auto 0;display:grid}.who-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);text-align:center;box-shadow:var(--shadow-sm);padding:32px 28px}.who-avatar{background:var(--navy-800);width:64px;height:64px;color:var(--gold);border-radius:999px;justify-content:center;align-items:center;margin:0 auto 16px;font-size:15px;font-weight:800;display:flex}.who-name{color:var(--ink);font-size:18px;font-weight:800}.who-role{color:var(--gold);margin-top:3px;font-size:13px;font-weight:700}.who-card p{color:var(--ink-soft);margin-top:12px;font-size:14px}.who-placeholder{border:1.5px dashed var(--gold-line);background:var(--mist);color:var(--ink-soft);opacity:.85;border-radius:10px;margin-top:16px;padding:8px 12px;font-size:12px;font-style:italic}.who-banner{background:var(--navy-800);text-align:center;max-width:760px;color:var(--gold-soft);border-radius:16px;margin:24px auto 0;padding:20px 26px;font-size:15px;font-weight:700}.calc-page-hero{padding-top:170px}@media (width<=640px){.calc-page-hero{padding-top:130px}}.faq-page-spacer{padding-top:74px}@media (width<=640px){.faq-page-spacer{padding-top:60px}}