@import"https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800;900&display=swap";:root{--white: #ffffff;--teal: #517686;--navy: #223d55;--rose: #d2566d;--light-bg: #f5f7f9;--text-dark: #1a1a2e;--text-muted: #6b7280;--navy-dark: #1a2f42;--teal-light: rgba(81, 118, 134, .12);--rose-glow: rgba(210, 86, 109, .35);--card-shadow: 0 2px 16px rgba(0, 0, 0, .08);--card-shadow-hover: 0 12px 32px rgba(0, 0, 0, .14)}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0;font-family:Outfit,sans-serif}html{scroll-behavior:smooth;overflow-x:hidden}body{background:var(--white);color:var(--text-dark);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;overflow-x:hidden}img,svg{max-width:100%;display:block}a{text-decoration:none;color:inherit}button{cursor:pointer}h1,h2,h3,h4{line-height:1.2;color:var(--text-dark)}p{line-height:1.7}.container{max-width:1100px;margin:0 auto;padding:0 24px}.section{padding:96px 0}.section-light{background:var(--light-bg)}.section-white{background:var(--white)}.section-navy{background:var(--navy)}.section-header{text-align:center;margin-bottom:56px}.section-title{font-size:clamp(1.7rem,3.5vw,2.4rem);font-weight:700;color:var(--navy);margin-bottom:12px}.section-title-white{color:var(--white)}.section-sub{font-size:1.05rem;color:var(--text-muted);font-weight:400;max-width:560px;margin:0 auto;line-height:1.7}.section-sub-teal{color:#c8e2e8d9}.section-eyebrow{display:block;font-size:.78rem;font-weight:600;color:var(--teal);letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}.section-divider{display:flex;align-items:center;gap:16px;width:100%;padding:0 24px;background:var(--light-bg)}.section-divider-line{flex:1;height:1px;background:linear-gradient(to right,transparent,rgba(34,61,85,.2),transparent)}.section-divider-label{display:flex;align-items:center;gap:8px;font-size:.78rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);white-space:nowrap}.section-divider-label svg{color:var(--navy);opacity:.5}.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 28px;border-radius:8px;font-family:Outfit,sans-serif;font-weight:600;font-size:1rem;border:none;cursor:pointer;position:relative;overflow:hidden;transition:transform .2s ease,box-shadow .2s ease;white-space:nowrap}.btn-rose{background:var(--rose);color:var(--white)}.btn-teal{background:var(--teal);color:var(--white)}.btn-outline{background:transparent;border:2px solid var(--white);color:var(--white)}.btn-outline-navy{background:transparent;border:2px solid var(--navy);color:var(--navy);padding:11px 28px}.btn-lg{padding:16px 40px;font-size:1.1rem;border-radius:50px}.btn-sm{padding:8px 18px;font-size:.9rem}.btn-full{width:100%;justify-content:center}.btn:after{content:"";position:absolute;top:0;left:-100%;width:60%;height:100%;background:linear-gradient(90deg,transparent,rgba(255,255,255,.22),transparent);transform:skew(-20deg);transition:left .45s ease}.btn:hover:after{left:150%}.btn:hover{transform:scale(1.03)}.btn-rose:hover{box-shadow:0 8px 24px var(--rose-glow)}.btn-teal:hover{box-shadow:0 8px 24px #51768666}.btn-outline:hover{box-shadow:0 8px 24px #fff3}.btn-outline-navy:hover{box-shadow:0 8px 24px #223d5533}.btn:disabled{opacity:.7;transform:none;cursor:not-allowed}.card{background:var(--white);border-radius:16px;box-shadow:var(--card-shadow);padding:32px}.card-heading{font-size:1.05rem;font-weight:600;color:var(--navy);margin-bottom:24px;display:flex;align-items:center;gap:10px}.card-heading svg{color:var(--teal);flex-shrink:0}.input-group{margin-bottom:20px}.input-label{display:block;font-size:.875rem;font-weight:500;color:var(--navy);margin-bottom:8px}.optional-tag{font-weight:400;color:var(--text-muted);font-size:.8rem}.form-input{width:100%;padding:11px 16px;border:1.5px solid #d1d5db;border-radius:8px;font-size:1rem;font-weight:400;color:var(--text-dark);background:var(--white);transition:border-color .2s ease,box-shadow .2s ease;outline:none;-webkit-appearance:none;-moz-appearance:none;appearance:none}.form-input:focus{border-color:var(--teal);box-shadow:0 0 0 3px #51768633}.form-input.input-error{border-color:var(--rose);box-shadow:0 0 0 3px #d2566d26}.form-textarea{resize:vertical;min-height:90px}.input-prefix-wrap,.input-suffix-wrap{position:relative;display:flex;align-items:center}.input-prefix{position:absolute;left:14px;font-size:1rem;color:var(--text-muted);pointer-events:none;font-weight:500;z-index:1}.input-suffix{position:absolute;right:14px;font-size:1rem;color:var(--text-muted);pointer-events:none;font-weight:500}.form-input.input-has-prefix{padding-left:30px}.form-input.input-has-suffix{padding-right:36px}.select-wrap{position:relative;display:flex;align-items:center}.form-select{width:100%;padding:11px 40px 11px 16px;border:1.5px solid #d1d5db;border-radius:8px;font-size:1rem;font-weight:400;color:var(--text-dark);background:var(--white);-moz-appearance:none;appearance:none;-webkit-appearance:none;outline:none;transition:border-color .2s ease,box-shadow .2s ease;cursor:pointer}.form-select:focus{border-color:var(--teal);box-shadow:0 0 0 3px #51768633}.select-arrow{position:absolute;right:12px;pointer-events:none;color:var(--text-muted)}.field-error{display:block;font-size:.8rem;color:var(--rose);margin-top:5px;font-weight:500}.error-banner{display:flex;align-items:center;gap:10px;background:#d2566d1a;border:1px solid rgba(210,86,109,.3);color:var(--rose);padding:12px 16px;border-radius:8px;font-size:.9rem;margin-bottom:20px}.error-banner svg{flex-shrink:0}.error-banner a{color:var(--rose);text-decoration:underline}.checkbox-label{display:flex;align-items:flex-start;gap:12px;cursor:pointer;font-size:.9rem;color:var(--text-dark);font-weight:400;margin-bottom:24px;line-height:1.5}.checkbox-input{position:absolute;opacity:0;width:0;height:0}.checkbox-custom{flex-shrink:0;width:20px;height:20px;border:2px solid #d1d5db;border-radius:5px;background:var(--white);display:flex;align-items:center;justify-content:center;transition:background .2s ease,border-color .2s ease;margin-top:1px}.checkbox-input:checked+.checkbox-custom{background:var(--teal);border-color:var(--teal)}.btn-spinner{display:inline-block;width:16px;height:16px;border:2px solid rgba(255,255,255,.4);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite}.reveal{opacity:0;transform:translateY(32px);transition:opacity .6s ease,transform .6s ease}.reveal.revealed{opacity:1;transform:translateY(0)}.reveal-delay-1{transition-delay:.12s}.reveal-delay-2{transition-delay:.24s}.reveal-delay-3{transition-delay:.36s}.nav{position:fixed;top:0;left:0;right:0;z-index:100;transition:background .3s ease,box-shadow .3s ease,backdrop-filter .3s ease;background:transparent}.nav-scrolled{background:#fffffff0;backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);box-shadow:0 2px 20px #00000014}.nav-inner{display:flex;align-items:center;justify-content:space-between;height:68px}.nav-logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--white);transition:opacity .2s ease}.nav-logo:hover{opacity:.85}.nav-logo-text{display:flex;flex-direction:column;gap:1px}.nav-logo-name{font-size:1rem;font-weight:700;color:var(--white);line-height:1.2;transition:color .3s ease}.nav-logo-title{font-size:.68rem;font-weight:400;color:#ffffff8c;line-height:1.2;letter-spacing:.01em;transition:color .3s ease}.nav-scrolled .nav-logo-name{color:var(--navy)}.nav-scrolled .nav-logo-title{color:var(--text-muted)}.nav-avatar{position:relative;width:36px;height:36px;border-radius:50%;overflow:hidden;border:2px solid var(--teal);flex-shrink:0;background:var(--navy)}.nav-avatar-img{width:100%;height:100%;object-fit:cover;object-position:center top;display:block}.nav-avatar-fallback{display:none;width:100%;height:100%;align-items:center;justify-content:center;font-size:.72rem;font-weight:700;color:var(--teal);background:var(--navy)}.nav-links{display:flex;align-items:center;gap:32px}.nav-link{font-size:.95rem;font-weight:500;color:#ffffffbf;position:relative;transition:color .2s ease}.nav-link:after{content:"";position:absolute;bottom:-3px;left:0;width:0;height:2px;background:var(--teal);transition:width .25s ease}.nav-link:hover:after{width:100%}.nav-link:hover{color:var(--white)}.nav-scrolled .nav-link{color:var(--text-dark)}.nav-scrolled .nav-link:hover{color:var(--teal)}.nav-hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;width:40px;height:40px;background:none;border:none;cursor:pointer;padding:4px;border-radius:8px;flex-shrink:0}.nav-hamburger-bar{display:block;width:22px;height:2px;background:var(--white);border-radius:2px;transition:transform .25s ease,opacity .2s ease,background .3s ease;transform-origin:center}.nav-scrolled .nav-hamburger-bar,.nav-menu-open .nav-hamburger-bar{background:var(--navy)}.nav-hamburger-bar.open:nth-child(1){transform:translateY(7px) rotate(45deg)}.nav-hamburger-bar.open:nth-child(2){opacity:0;transform:scaleX(0)}.nav-hamburger-bar.open:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.nav-mobile-overlay{display:none;position:fixed;top:0;right:0;bottom:0;left:0;z-index:98;background:#0000004d}.nav-mobile-menu{display:none;position:fixed;top:76px;right:16px;left:auto;width:280px;z-index:99;background:var(--white);border-radius:16px;padding:8px 20px 20px;box-shadow:0 8px 40px #0000002e;flex-direction:column;gap:0;transform:translateY(-8px);opacity:0;pointer-events:none;transition:transform .22s ease,opacity .22s ease}.nav-mobile-menu--open{transform:translateY(0);opacity:1;pointer-events:auto}.nav-mobile-link{display:block;padding:14px 0;font-size:1rem;font-weight:500;color:var(--text-dark);border-bottom:1px solid #f0f2f5;text-decoration:none;transition:color .2s ease}.nav-mobile-link--btn{background:none;border:none;border-bottom:1px solid #f0f2f5;text-align:left;font-family:inherit;font-size:1rem;font-weight:500;color:var(--text-dark);width:100%;padding:14px 0;cursor:pointer}.nav-mobile-link:hover,.nav-mobile-link--btn:hover{color:var(--teal)}.hero{min-height:100vh;display:flex;flex-direction:column;justify-content:center;background:linear-gradient(135deg,#223d55,#517686,#1a2f42,#223d55);background-size:400% 400%;animation:gradientShift 12s ease infinite;position:relative;padding:112px 0 96px;overflow:hidden}.hero-inner{display:grid;grid-template-columns:1fr 400px;align-items:center;gap:56px;position:relative;z-index:1}.hero-copy{display:flex;flex-direction:column;align-items:flex-start;gap:28px}.hero-tag{display:inline-flex;align-items:center;gap:10px;padding:6px 16px 6px 10px;border:1px solid rgba(81,118,134,.6);background:#51768626;border-radius:50px;font-size:.76rem;font-weight:600;color:#c8e2e8e6;letter-spacing:.08em;text-transform:uppercase}.hero-tag-dot{width:7px;height:7px;border-radius:50%;background:var(--teal);flex-shrink:0;box-shadow:0 0 6px #517686cc}.hero-headline{font-size:clamp(2.4rem,5vw,4rem);font-weight:900;color:var(--white);line-height:1.1;letter-spacing:-.03em;font-style:normal}.hero-headline-accent{color:var(--rose);font-style:italic;font-weight:900}.hero-sub{font-size:1rem;font-weight:400;color:#c8dae8b8;line-height:1.8;max-width:480px}.hero-ctas{display:flex;align-items:center;gap:28px;flex-wrap:wrap}.hero-text-link{display:inline-flex;align-items:center;gap:6px;font-size:.95rem;font-weight:500;color:#ffffffb8;transition:color .2s ease}.hero-text-link:hover{color:var(--white)}.hero-divider{width:100%;height:1px;background:#ffffff1a}.hero-credentials{display:flex;align-items:center;gap:12px;flex-wrap:wrap;font-size:.8rem;font-weight:400;color:#ffffff73}.hero-credentials strong{color:#ffffffb3;font-weight:600}.hero-cred-dot{width:4px;height:4px;border-radius:50%;background:#ffffff4d;flex-shrink:0}.hero-card{background:#ffffff0a;border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:32px 28px;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}.hero-card-eyebrow{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#fff6;margin-bottom:24px}.hero-stat{padding:8px 0}.hero-stat-label{display:block;font-size:.82rem;font-weight:400;color:#ffffff73;margin-bottom:6px}.hero-stat-value{display:flex;align-items:baseline;gap:2px}.hero-stat-value-row{gap:4px}.hero-stat-num{font-size:2rem;font-weight:800;color:var(--white);line-height:1;font-variant-numeric:tabular-nums}.hero-stat-range{font-size:1rem;font-weight:600;color:var(--rose)}.hero-stat-teal{color:var(--teal)!important}.hero-stat-unit{font-size:1.4rem;font-weight:700;margin-top:2px}.hero-stat-divider{height:1px;background:#ffffff14;margin:16px 0}.hero-card-btn{margin-top:28px;padding:14px;font-size:1rem;border-radius:10px}.hero-btn-free{font-weight:900;letter-spacing:.04em;text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:3px}.hero-anim{opacity:0;animation:fadeUp .8s ease 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ease;display:block;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.stat-value.stat-pulse{animation:statPulse .4s ease}.insight-callout{display:flex;align-items:flex-start;gap:10px;background:var(--teal-light);border:1px solid rgba(81,118,134,.25);border-radius:10px;padding:14px 18px;font-size:.9rem;color:var(--navy);margin-top:20px;line-height:1.55}.insight-callout svg{flex-shrink:0;color:var(--teal);margin-top:2px}.calc-cta{margin-top:16px}.chart-wrapper{margin-bottom:24px}.chart-tooltip{background:var(--white);border-radius:10px;box-shadow:var(--card-shadow-hover);padding:14px 18px;font-size:.875rem;min-width:200px}.chart-tooltip-year{font-weight:700;color:var(--navy);margin-bottom:10px;font-size:.95rem}.chart-tooltip-row{display:flex;align-items:center;gap:8px;margin-bottom:5px;font-weight:500}.chart-tooltip-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0}.chart-tooltip-label{color:var(--text-muted);flex:1;font-size:.82rem}.chart-tooltip-val{color:var(--text-dark);font-weight:600}.chart-legend{display:flex;justify-content:center;gap:28px;flex-wrap:wrap;margin-top:16px;font-size:.85rem;color:var(--text-muted);font-weight:500}.chart-legend-item{display:flex;align-items:center;gap:8px}.chart-legend-line{width:24px;height:3px;border-radius:2px;display:inline-block}.table-wrapper{margin-bottom:24px}.table-toggle{margin-bottom:16px;display:flex;align-items:center;gap:10px}.table-collapsible{overflow:hidden;transition:max-height .5s ease}.table-scroll{overflow-x:auto;border-radius:12px;box-shadow:var(--card-shadow)}.amort-table{width:100%;border-collapse:collapse;background:var(--white);font-size:.9rem}.amort-table th{background:var(--navy);color:var(--white);font-weight:600;font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;padding:13px 16px;text-align:center;white-space:nowrap}.amort-table th:first-child{text-align:center}.amort-table td.num{text-align:center;font-weight:500}.amort-table td{padding:10px 16px;border-bottom:1px solid #f0f0f0;color:var(--text-dark);white-space:nowrap}.amort-table tbody tr:hover{background:#5176861a;transition:background .15s}.row-stripe{background:#51768612}.year-summary-row td{background:#223d5514;font-weight:700;border-bottom:none}.year-summary-row{border-bottom:1px solid rgba(34,61,85,.2)}.year-label{text-align:center;font-weight:700;color:var(--navy)}.year-label-inner{display:inline-flex;align-items:center;gap:6px}.year-label svg{color:var(--teal)}.amort-table td.teal{color:var(--teal)}.amort-table td.rose{color:var(--rose)}.amort-table td.bold{font-weight:700}.form-card{background:var(--white);border-radius:16px;padding:40px;max-width:560px;margin:0 auto;box-shadow:0 8px 48px #0000002e}.form-row-2{display:grid;grid-template-columns:1fr 1fr;gap:16px}.submit-btn{padding:15px;font-size:1rem}.form-footnote{text-align:center;margin-top:24px}.form-footnote p{font-size:.82rem;color:#ffffff8c;font-weight:300;margin-bottom:4px;display:flex;align-items:center;justify-content:center;gap:6px}.form-footnote svg{color:#ffffff80}.success-state{text-align:center;padding:20px 0;animation:fadeUp .5s ease}.success-check{width:72px;height:72px;margin:0 auto 24px}.success-check circle{stroke-dasharray:151;stroke-dashoffset:151;animation:drawCircle .6s ease forwards .1s}.success-check path{stroke-dasharray:50;stroke-dashoffset:50;animation:drawCheck .5s ease forwards .65s}.success-heading{font-size:1.5rem;font-weight:700;color:var(--navy);margin-bottom:12px}.success-body{font-size:.95rem;color:var(--text-muted);line-height:1.7}.edu-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:40px}.edu-card{background:var(--white);border-radius:12px;box-shadow:var(--card-shadow);padding:32px 28px;border-left:4px solid var(--teal);position:relative;transition:transform .3s ease,box-shadow .3s ease,border-color .3s 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52px;position:relative;overflow:hidden}.footer-dots:before{content:"";position:absolute;top:0;left:0;right:0;bottom:0;background-image:radial-gradient(circle,rgba(255,255,255,.07) 1px,transparent 1px);background-size:40px 40px;pointer-events:none;animation:floatDots 8s ease-in-out infinite}.footer-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;padding-bottom:48px}.footer-brand{display:flex;align-items:center;gap:10px;margin-bottom:8px}.footer-brand svg{color:var(--teal)}.footer-name{font-size:1.4rem;font-weight:700;color:var(--white)}.footer-title{font-size:.875rem;color:var(--teal);margin-bottom:14px}.footer-meta{font-size:.82rem;opacity:.65;margin-bottom:4px}.footer-right{display:flex;flex-direction:column;align-items:flex-end;gap:12px}.footer-contact-link{display:flex;align-items:center;gap:8px;font-size:.92rem;color:#fffc;font-weight:400;transition:color .2s ease}.footer-contact-link:hover{color:var(--teal)}.footer-contact-link 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