:root{--pay-bg: #f6f1e8;--pay-bg-strong: #ece3d4;--pay-card: #fffdf9;--pay-ink: #1d2433;--pay-muted: #5e6574;--pay-line: rgba(29, 36, 51, .12);--pay-line-strong: rgba(29, 36, 51, .22);--pay-accent: #1f4c9a;--pay-accent-strong: #0f2f68;--pay-gold: #bb8c2f;--pay-success: #157347;--pay-warn: #9a4c17;--pay-danger: #a12835;--pay-shadow: 0 22px 48px rgba(22, 28, 41, .08);--pay-shadow-soft: 0 14px 32px rgba(22, 28, 41, .05);--pay-shadow-crisp: 0 20px 40px rgba(18, 27, 44, .11);--pay-radius: 22px;--pay-font-display: "Syne", "Avenir Next", "Segoe UI", sans-serif;--pay-font-body: "Source Serif 4", Georgia, serif;--pay-font-ui: "IBM Plex Sans", "Segoe UI", sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;min-height:100vh;background:radial-gradient(circle at 18% 14%,rgba(31,76,154,.08),transparent 20%),radial-gradient(circle at top right,rgba(187,140,47,.16),transparent 25%),linear-gradient(180deg,#f7f1e7,#f2eadc 42%,#eee5d7);color:var(--pay-ink);font-family:var(--pay-font-body);position:relative}body:before{content:"";position:fixed;inset:0;pointer-events:none;background-image:linear-gradient(rgba(29,36,51,.018) 1px,transparent 1px),linear-gradient(90deg,rgba(29,36,51,.018) 1px,transparent 1px);background-size:24px 24px;mask-image:linear-gradient(180deg,rgba(0,0,0,.25),transparent 72%);opacity:.35}a{color:var(--pay-accent)}a:hover{color:var(--pay-accent-strong)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid rgba(31,76,154,.24);outline-offset:2px;box-shadow:0 0 0 6px #1f4c9a1a}img{max-width:100%}.container{width:min(1160px,calc(100% - 32px));margin:0 auto}.section-shell{padding:3.25rem 0}.eyebrow{display:inline-flex;align-items:center;gap:.5rem;margin-bottom:1rem;padding:.45rem .8rem;border-radius:999px;background:#1f4c9a14;color:var(--pay-accent-strong);font-family:var(--pay-font-ui);font-size:.82rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase}.button-row{display:flex;flex-wrap:wrap;gap:.9rem}.button-primary,.button-secondary{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.85rem 1.25rem;border-radius:999px;text-decoration:none;font-family:var(--pay-font-ui);font-weight:700;transition:transform .15s ease,box-shadow .18s ease,border-color .18s ease,background .18s ease,color .18s ease}.button-primary{background:linear-gradient(90deg,#1f4c9a,#2a68c9);color:#fff;box-shadow:0 16px 30px #1f4c9a33}.button-primary:hover{color:#fff;transform:translateY(-1px);box-shadow:0 22px 38px #1f4c9a42}.button-secondary{border:1px solid var(--pay-line-strong);background:#ffffffd1;color:var(--pay-ink);box-shadow:var(--pay-shadow-soft)}.button-secondary:hover{transform:translateY(-1px);background:#fffffff2}.section-heading{max-width:64ch;margin-bottom:1.5rem}.section-heading h2{margin:0 0 .8rem;font-family:var(--pay-font-display);font-size:clamp(1.9rem,3vw,2.8rem);line-height:1.04}.section-heading p{margin:0;font-size:1.05rem;line-height:1.75;color:var(--pay-muted)}.feature-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.1rem}.feature-card{padding:1.2rem;border:1px solid var(--pay-line);border-radius:18px;background:linear-gradient(180deg,#ffffffe0,#fffcf6d1);box-shadow:var(--pay-shadow-soft);position:relative;overflow:hidden;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}.feature-card:after{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent 0%,rgba(255,255,255,.5) 34%,transparent 66%);opacity:0;transform:translate(-35%);transition:opacity .22s ease,transform .22s ease}.feature-card:hover{transform:translateY(-2px);border-color:#1f4c9a29;box-shadow:0 20px 36px #161c2914}.feature-card:hover:after{opacity:1;transform:translate(20%)}.feature-card h3{margin:0 0 .5rem;font-family:var(--pay-font-display);font-size:1.05rem}.feature-card p{margin:0;color:var(--pay-muted);line-height:1.65}.faq-grid{display:grid;gap:1rem}.faq-item{padding:1.2rem 1.25rem;border-radius:18px;border:1px solid var(--pay-line);background:linear-gradient(180deg,#ffffffd6,#faf6eed1);box-shadow:var(--pay-shadow-soft)}.faq-item h3{margin:0 0 .45rem;font-size:1rem;font-family:var(--pay-font-ui)}.faq-item p{margin:0;line-height:1.7;color:var(--pay-muted)}.pay-app-shell{display:grid;gap:1.4rem}.preset-strip,.scenario-card,.result-card,.decision-callout,.delta-panel,.summary-card{border:1px solid var(--pay-line);border-radius:var(--pay-radius);background:#fffdf9eb;box-shadow:var(--pay-shadow-soft)}.preset-strip{padding:1.4rem;background:radial-gradient(circle at top right,rgba(31,76,154,.06),transparent 24%),linear-gradient(180deg,#fffdf9fa,#fcf7eeeb)}.preset-status{margin-top:1.15rem;padding:1rem 1.1rem;border-radius:18px;background:linear-gradient(135deg,#1f4c9a14,#ffffffeb);border:1px solid rgba(31,76,154,.14);box-shadow:inset 0 1px #ffffffb3}.preset-status-kicker{display:block;margin-bottom:.35rem;color:var(--pay-muted);font-family:var(--pay-font-ui);font-size:.78rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase}.preset-status strong{display:block;margin-bottom:.4rem;font-family:var(--pay-font-display);font-size:1.35rem}.preset-status p{margin:0;color:var(--pay-muted);line-height:1.7;font-family:var(--pay-font-ui)}.preset-copy h2,.decision-callout h2,.delta-panel h2,.scenario-card h3,.result-card h3{margin:0;font-family:var(--pay-font-display);line-height:1.04}.preset-copy p{color:var(--pay-muted);line-height:1.7}.preset-buttons{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1rem}.preset-buttons button,.scenario-card select,.scenario-card input{font:inherit}.preset-buttons button{padding:.75rem 1rem;border-radius:999px;border:1px solid var(--pay-line-strong);background:linear-gradient(180deg,#fffffff5,#f8f3ebeb);color:var(--pay-ink);cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,border-color .15s ease,background .15s ease,color .15s ease;box-shadow:0 6px 14px #161c290a}.preset-buttons button:hover{transform:translateY(-1px);border-color:#1f4c9a4d;box-shadow:0 12px 24px #1d243314}.preset-buttons button.is-active{border-color:#1f4c9a6b;background:linear-gradient(135deg,#1f4c9a33,#bb8c2f29);color:var(--pay-accent-strong);box-shadow:0 16px 26px #1d24331a}.preset-buttons 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0;font-size:clamp(1.6rem,3vw,2.2rem);font-family:var(--pay-font-display)}.summary-card:after{content:"";position:absolute;top:0;left:0;width:100%;height:3px;background:linear-gradient(90deg,#1f4c9a1f,#bb8c2f66,#1f4c9a1f);opacity:.55}.summary-card.emphasis{background:linear-gradient(145deg,#1f4c9a1c,#bb8c2f29);border-color:#1f4c9a2e;box-shadow:var(--pay-shadow-crisp)}.summary-card--delta{background:linear-gradient(180deg,#fffffff0,#f7f4eef0)}.summary-card--positive{border-color:#15734738}.summary-card--danger{border-color:#a1283538}.summary-card--steady{border-color:#1d243329}.positive{color:var(--pay-success)}.danger{color:var(--pay-danger)}.scenario-grid,.results-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.decision-callout{display:grid;gap:.7rem;padding:1.2rem;background:linear-gradient(145deg,#fffdf9fa,#edf4fff2);box-shadow:var(--pay-shadow-crisp)}.decision-callout p{margin:0;max-width:68ch;color:var(--pay-muted);font-family:var(--pay-font-ui);line-height:1.72}.decision-callout--positive{border-color:#15734738}.decision-callout--danger{border-color:#a1283538}.scenario-card,.result-card,.delta-panel{padding:1.2rem}.scenario-card{background:linear-gradient(180deg,#fffefaf5,#faf6eef0)}.scenario-card-header,.result-card-header{display:flex;justify-content:space-between;gap:1rem;align-items:flex-start;margin-bottom:1rem}.scenario-card-header select{min-width:164px;background:linear-gradient(180deg,#fffffffa,#f7f2e9f2)}.scenario-tag{display:inline-flex;margin-bottom:.5rem;padding:.28rem .58rem;border-radius:999px;background:#bb8c2f1f;color:var(--pay-warn);font-family:var(--pay-font-ui);font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em}.form-stack{display:grid;gap:.9rem}.form-stack label{display:grid;gap:.38rem;font-family:var(--pay-font-ui);font-size:.92rem;font-weight:600;padding:.2rem;border-radius:16px;transition:background .15s ease,box-shadow .15s ease,border-color .15s ease}.form-stack input,.form-stack select{min-height:46px;padding:.75rem .9rem;border-radius:14px;border:1px solid var(--pay-line-strong);background:linear-gradient(180deg,#fffffffa,#fbf7f0f5);color:var(--pay-ink);box-shadow:inset 0 1px #ffffffb8}.form-stack .tick{grid-template-columns:auto 1fr;align-items:center;gap:.75rem;border:1px solid var(--pay-line);border-radius:14px;padding:.85rem .95rem;background:linear-gradient(180deg,#faf6eef0,#f5f0e8e0)}.field-highlight{background:#1f4c9a0f;box-shadow:inset 0 0 0 1px #1f4c9a24}.field-highlight>span:first-child{color:var(--pay-accent-strong)}.form-stack .tick input{min-height:auto;margin:0;padding:0}.two-up{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.9rem}.result-card-header strong{font-family:var(--pay-font-display);font-size:1.8rem}.result-card--alternate{border-color:#1f4c9a2e;background:linear-gradient(180deg,#fffdf9fa,#f2f7fff5);box-shadow:var(--pay-shadow-crisp)}.result-rows{display:grid;gap:.5rem}.result-row{display:flex;justify-content:space-between;gap:1rem;padding:.7rem 0;border-bottom:1px solid rgba(29,36,51,.08);font-family:var(--pay-font-ui)}.result-row span{color:var(--pay-muted)}.result-foot{display:grid;gap:.2rem;margin-top:.9rem;font-family:var(--pay-font-ui)}.result-foot p{margin:0;color:var(--pay-muted)}.note-stack{display:grid;gap:.55rem;margin-top:1rem}.note-stack p,.delta-notes p{margin:0;padding:.85rem .95rem;border-radius:14px;background:linear-gradient(180deg,#f7f4eef0,#f3eee6e6);color:var(--pay-muted);line-height:1.68;font-family:var(--pay-font-ui)}.delta-panel{display:grid;gap:1rem;background:linear-gradient(145deg,#fffdf9fa,#f5f1e8fa)}.delta-notes{display:grid;gap:.7rem}@media(max-width:760px){.container{width:min(100% - 20px,1160px)}.section-shell{padding:2.4rem 0}.summary-card,.scenario-card,.result-card,.decision-callout,.delta-panel,.preset-strip{border-radius:18px}}@media(max-width:980px){.summary-band,.scenario-grid,.results-grid{grid-template-columns:1fr}}@media(max-width:640px){.preset-buttons{gap:.6rem}.preset-buttons button{width:100%;justify-content:flex-start}.two-up{grid-template-columns:1fr}.scenario-card-header,.result-card-header{flex-direction:column}}.site-header[data-astro-cid-j3tygqaf]{position:sticky;top:0;z-index:20;border-bottom:1px solid var(--pay-line);backdrop-filter:blur(16px);background:#f6f1e8e0}.site-header-inner[data-astro-cid-j3tygqaf]{display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:.95rem 0}.brand[data-astro-cid-j3tygqaf]{display:inline-flex;align-items:center;gap:.85rem;color:var(--pay-ink);text-decoration:none}.brand[data-astro-cid-j3tygqaf] span[data-astro-cid-j3tygqaf]{display:flex;flex-direction:column;gap:.08rem}.brand[data-astro-cid-j3tygqaf] strong[data-astro-cid-j3tygqaf]{font-family:var(--pay-font-ui);font-size:.98rem}.brand[data-astro-cid-j3tygqaf] small[data-astro-cid-j3tygqaf]{color:var(--pay-muted);font-family:var(--pay-font-ui);font-size:.76rem;text-transform:uppercase;letter-spacing:.08em}.site-nav[data-astro-cid-j3tygqaf]{display:flex;flex-wrap:wrap;gap:1rem}.site-nav[data-astro-cid-j3tygqaf] a[data-astro-cid-j3tygqaf]{text-decoration:none;color:var(--pay-muted);font-family:var(--pay-font-ui);font-weight:700;font-size:.92rem;border-radius:999px;padding:.45rem .8rem;transition:background .15s ease,color .15s ease,box-shadow .15s ease}.site-nav[data-astro-cid-j3tygqaf] a[data-astro-cid-j3tygqaf]:hover{color:var(--pay-accent-strong);background:#1f4c9a0f}.site-nav[data-astro-cid-j3tygqaf] a[data-astro-cid-j3tygqaf].is-primary{background:#1f4c9a1a;color:var(--pay-accent-strong)}.site-nav[data-astro-cid-j3tygqaf] a[data-astro-cid-j3tygqaf].is-secondary{opacity:.82}.site-footer[data-astro-cid-j3tygqaf]{padding:0 0 2.25rem}.footer-inner[data-astro-cid-j3tygqaf]{padding-top:1.4rem;border-top:1px solid var(--pay-line);color:var(--pay-muted);font-family:var(--pay-font-ui);font-size:.94rem}.footer-inner[data-astro-cid-j3tygqaf] p[data-astro-cid-j3tygqaf]{margin:0}@media(max-width:760px){.site-header[data-astro-cid-j3tygqaf]{position:static}.site-header-inner[data-astro-cid-j3tygqaf]{flex-direction:column;align-items:flex-start}.site-nav[data-astro-cid-j3tygqaf]{gap:.8rem}.site-nav[data-astro-cid-j3tygqaf] a[data-astro-cid-j3tygqaf]{padding:.3rem 0;background:none}}