@font-face{font-family:'Inter';font-style:normal;font-weight:100 900;font-display:swap;src:url('../fonts/inter-var.woff2') format('woff2')}:root{--pf-paper:#F8F7F4;--pf-navy:#0F172A;--pf-green:#2E7D32;--pf-green-dark:#1B5E20;--pf-amber:#F59E0B;--pf-emerald:#059669;--pf-red:#DC2626;--pf-ink:#0F172A;--pf-body:#475569;--pf-bg-soft:#FFFFFF;--pf-border:#E2E8F0;--font-main:'Inter',system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;--font-mono:ui-monospace,SFMono-Regular,Menlo,Monaco,Consolas,"Liberation Mono",monospace;--text-xs:0.75rem;--text-sm:0.875rem;--text-base:1rem;--text-lg:1.125rem;--text-xl:1.25rem;--text-2xl:1.5rem;--text-3xl:1.875rem;--text-4xl:2.25rem;--text-5xl:3rem;--weight-regular:400;--weight-medium:500;--weight-semibold:600;--weight-bold:700;--weight-extrabold:800;--leading-tight:1.25;--leading-snug:1.375;--leading-normal:1.5;--leading-relaxed:1.6;--space-1:0.25rem;--space-2:0.5rem;--space-3:0.75rem;--space-4:1rem;--space-5:1.25rem;--space-6:1.5rem;--space-8:2rem;--space-10:2.5rem;--space-12:3rem;--space-16:4rem;--radius-sm:4px;--radius-md:8px;--radius-lg:12px;--radius-xl:16px;--radius-full:9999px;--shadow-sm:0 1px 2px 0 rgba(15,23,42,0.05);--shadow-card:0 1px 3px 0 rgba(15,23,42,0.06),0 1px 2px -1px rgba(15,23,42,0.06);--shadow-hover:0 10px 15px -3px rgba(15,23,42,0.08),0 4px 6px -4px rgba(15,23,42,0.04);--shadow-focus:0 0 0 3px rgba(245,158,11,0.35);--transition-fast:150ms ease;--transition-base:200ms ease;--transition-lift:200ms cubic-bezier(0.16,1,0.3,1);--max-width-layout:72rem;--max-width-content:42rem}@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:0.01ms !important;animation-iteration-count:1 !important;transition-duration:0.01ms !important;scroll-behavior:auto !important}}*,*::before,*::after{box-sizing:border-box}html{font-size:16px;-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0;padding:0;background-color:var(--pf-paper);color:var(--pf-body);font-family:var(--font-main);font-size:var(--text-base);line-height:var(--leading-relaxed);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}h1,h2,h3,h4,h5,h6{color:var(--pf-navy);font-weight:var(--weight-bold);line-height:var(--leading-tight);margin-top:0;margin-bottom:var(--space-4);letter-spacing:-0.02em}h1{font-size:var(--text-3xl);font-weight:var(--weight-extrabold)}@media (min-width:768px){h1{font-size:var(--text-4xl)}}h2{font-size:var(--text-xl)}@media (min-width:768px){h2{font-size:var(--text-2xl)}}h3{font-size:var(--text-lg)}p{margin-top:0;margin-bottom:var(--space-4)}a{color:var(--pf-green);text-decoration:none;font-weight:var(--weight-medium);transition:color var(--transition-fast)}a:hover{color:var(--pf-green-dark);text-decoration:underline}ul,ol{margin-top:0;margin-bottom:var(--space-4);padding-left:var(--space-6)}li{margin-bottom:var(--space-2)}:focus-visible{outline:none;box-shadow:var(--shadow-focus);border-radius:var(--radius-sm)}.pf-skip-link{position:absolute;top:-100px;left:var(--space-4);background-color:var(--pf-navy);color:#FFFFFF;padding:var(--space-3) var(--space-4);z-index:99999;border-radius:var(--radius-md);font-weight:var(--weight-semibold);transition:top var(--transition-fast)}.pf-skip-link:focus{top:var(--space-4)}.pf-container{width:100%;max-width:var(--max-width-layout);margin-left:auto;margin-right:auto;padding-left:var(--space-4);padding-right:var(--space-4)}@media (min-width:768px){.pf-container{padding-left:var(--space-6);padding-right:var(--space-6)}}.pf-container-prose{width:100%;max-width:var(--max-width-content);margin-left:auto;margin-right:auto}.pf-main-content{padding-top:var(--space-8);padding-bottom:var(--space-16)}.pf-btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:var(--space-3) var(--space-6);border-radius:var(--radius-md);font-size:var(--text-base);font-weight:var(--weight-semibold);text-decoration:none;cursor:pointer;border:1px solid transparent;transition:background-color var(--transition-base),transform var(--transition-fast),box-shadow var(--transition-fast)}.pf-btn:hover{text-decoration:none;transform:translateY(-1px)}.pf-btn:active{transform:translateY(0)}.pf-btn-primary{background-color:var(--pf-green);color:#FFFFFF}.pf-btn-primary:hover{background-color:var(--pf-green-dark);color:#FFFFFF}.pf-btn-secondary{background-color:#FFFFFF;color:var(--pf-navy);border-color:var(--pf-navy)}.pf-btn-secondary:hover{background-color:var(--pf-paper);color:var(--pf-navy)}.pf-btn-amber{background-color:var(--pf-amber);color:var(--pf-navy);font-weight:var(--weight-bold)}.pf-btn-amber:hover{background-color:#D97706;color:var(--pf-navy)}.pf-card{background-color:var(--pf-bg-soft);border:1px solid var(--pf-border);border-radius:var(--radius-lg);padding:var(--space-6);box-shadow:var(--shadow-card);transition:transform var(--transition-lift),box-shadow var(--transition-lift)}.pf-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-hover)}.pf-card-title{margin-top:0;margin-bottom:var(--space-2);font-size:var(--text-xl)}.pf-card-title a{color:var(--pf-navy);text-decoration:none}.pf-card-title a:hover{color:var(--pf-green);text-decoration:underline}.pf-input-group{margin-bottom:var(--space-4)}.pf-label{display:block;font-size:var(--text-sm);font-weight:var(--weight-semibold);color:var(--pf-navy);margin-bottom:var(--space-2)}.pf-input-wrapper{position:relative;display:flex;align-items:center}.pf-input-prefix,.pf-input-suffix{position:absolute;color:var(--pf-body);font-weight:var(--weight-medium);font-family:var(--font-mono);pointer-events:none}.pf-input-prefix{left:var(--space-4)}.pf-input-suffix{right:var(--space-4)}.pf-input{width:100%;min-height:48px;padding:var(--space-3) var(--space-4);border:1px solid var(--pf-border);border-radius:var(--radius-md);font-family:var(--font-mono);font-size:var(--text-base);color:var(--pf-navy);background-color:#FFFFFF;transition:border-color var(--transition-fast),box-shadow var(--transition-fast)}.pf-input.has-prefix{padding-left:2rem}.pf-input.has-suffix{padding-right:2rem}.pf-input:focus{outline:none;border-color:var(--pf-amber);box-shadow:var(--shadow-focus)}.pf-slider{width:100%;accent-color:var(--pf-amber);cursor:pointer;height:6px;margin-top:var(--space-2)}.pf-pill-group{display:flex;flex-wrap:wrap;gap:var(--space-2);margin-top:var(--space-2)}.pf-pill-label{cursor:pointer}.pf-pill-label input[type="radio"]{position:absolute;opacity:0;width:0;height:0}.pf-pill-btn{display:inline-flex;align-items:center;justify-content:center;min-height:40px;padding:var(--space-2) var(--space-4);border:1px solid var(--pf-border);border-radius:var(--radius-full);font-size:var(--text-sm);font-weight:var(--weight-semibold);color:var(--pf-navy);background-color:#FFFFFF;transition:var(--transition-fast)}.pf-pill-label input[type="radio"]:checked + .pf-pill-btn{background-color:var(--pf-navy);color:#FFFFFF;border-color:var(--pf-navy)}.pf-pill-label input[type="radio"]:focus-visible + .pf-pill-btn{box-shadow:var(--shadow-focus)}.pf-breadcrumb{margin-bottom:var(--space-6);font-size:var(--text-sm);color:var(--pf-body)}.pf-breadcrumb-list{display:flex;flex-wrap:wrap;align-items:center;list-style:none;padding:0;margin:0}.pf-breadcrumb-item{display:inline-flex;align-items:center;margin:0}.pf-breadcrumb-item a{color:var(--pf-body)}.pf-breadcrumb-item a:hover{color:var(--pf-green)}.pf-breadcrumb-sep{margin:0 var(--space-2);color:var(--pf-border)}.pf-calc-cards-grid{display:grid;grid-template-columns:1fr;gap:var(--space-5);margin-inline:auto}@media (min-width:640px){.pf-calc-cards-grid{grid-template-columns:repeat(2,1fr);gap:var(--space-6)}}@media (min-width:1024px){.pf-calc-cards-grid{grid-template-columns:repeat(3,1fr);gap:var(--space-6)}}.pf-calc-card{background-color:#FFFFFF;border:1px solid var(--pf-border);border-radius:var(--radius-lg);padding:clamp(1.25rem,3vw,1.5rem);display:flex;flex-direction:column;transition:transform var(--transition-lift),box-shadow var(--transition-base),border-color var(--transition-fast);position:relative;box-shadow:var(--shadow-sm)}.pf-calc-card:hover{transform:translateY(-2px);border-color:#CBD5E1;box-shadow:var(--shadow-hover)}.pf-calc-card-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:var(--space-3)}.pf-calc-card-icon{font-size:1.5rem;line-height:1}.pf-calc-card-badge{font-size:var(--text-xs);font-weight:var(--weight-bold);text-transform:uppercase;letter-spacing:0.05em;padding:3px 10px;border-radius:var(--radius-full);background-color:rgba(46,125,50,0.1);color:var(--pf-green)}.pf-calc-card-title{font-size:1.125rem;font-weight:700;line-height:1.35;margin-top:0;margin-bottom:var(--space-2)}.pf-calc-card-title a{color:var(--pf-navy);text-decoration:none;transition:color var(--transition-fast)}.pf-calc-card-title a:hover{color:var(--pf-green);text-decoration:underline}.pf-calc-card-desc{font-size:0.875rem;color:var(--pf-body);line-height:var(--leading-relaxed);flex-grow:1;margin-top:0;margin-bottom:var(--space-5)}.pf-calc-card-footer{margin-top:auto}.pf-calc-card-btn{width:100%;min-height:44px;padding:10px 18px;font-size:var(--text-sm);font-weight:600;border-radius:var(--radius-md);display:inline-flex;align-items:center;justify-content:center;gap:6px;background-color:var(--pf-navy);border:1px solid var(--pf-navy);color:#FFFFFF;text-decoration:none;transition:background-color var(--transition-fast),border-color var(--transition-fast),color var(--transition-fast)}.pf-calc-card-btn:hover{background-color:var(--pf-green);border-color:var(--pf-green);color:#FFFFFF;text-decoration:none}.pf-calc-card-btn:focus-visible{outline:none;box-shadow:var(--shadow-focus)}.pf-header{position:sticky;top:0;z-index:1000;background-color:#FFFFFF;border-bottom:1px solid var(--pf-border);transition:padding var(--transition-base),box-shadow var(--transition-base),min-height var(--transition-base)}.pf-header.is-scrolled{box-shadow:var(--shadow-sm)}.pf-header-inner{display:flex;align-items:center;justify-content:space-between;min-height:64px;transition:min-height var(--transition-base)}.pf-header.is-scrolled .pf-header-inner{min-height:52px}.pf-brand{display:flex;align-items:center}.pf-logo-link{display:inline-flex;align-items:center;text-decoration:none}.pf-logo-img{height:36px;width:auto;display:block;transition:height var(--transition-base)}.pf-header.is-scrolled .pf-logo-img{height:30px}.pf-nav{display:flex;align-items:center}.pf-nav-menu{display:flex;align-items:center;list-style:none;margin:0;padding:0;gap:var(--space-6)}.pf-nav-menu li{margin:0;position:relative}.pf-nav-menu a,.pf-dropdown-toggle{color:var(--pf-navy);font-family:inherit;font-size:var(--text-sm);font-weight:var(--weight-semibold);text-decoration:none;padding:var(--space-2) 0;background:transparent;border:none;cursor:pointer;display:inline-flex;align-items:center;gap:var(--space-1);position:relative;transition:color var(--transition-fast)}.pf-nav-menu a:hover,.pf-dropdown-toggle:hover,.pf-has-dropdown:hover > .pf-dropdown-toggle,.pf-has-dropdown.is-active > .pf-dropdown-toggle{color:var(--pf-green);text-decoration:none}.pf-dropdown-icon{transition:transform var(--transition-fast)}.pf-has-dropdown:hover .pf-dropdown-icon,.pf-has-dropdown.is-active .pf-dropdown-icon{transform:rotate(180deg)}.pf-dropdown-menu{display:none;position:absolute;top:100%;left:0;min-width:240px;background-color:#FFFFFF;border:1px solid var(--pf-border);border-radius:var(--radius-md);box-shadow:var(--shadow-md);padding:var(--space-2) 0;margin:0;list-style:none;z-index:1010}.pf-has-dropdown:hover > .pf-dropdown-menu,.pf-has-dropdown:focus-within > .pf-dropdown-menu,.pf-has-dropdown.is-active > .pf-dropdown-menu{display:block}.pf-dropdown-menu li{margin:0;padding:0}.pf-dropdown-menu a{display:block;padding:var(--space-2) var(--space-4);color:var(--pf-navy);font-size:var(--text-sm);font-weight:var(--weight-medium);white-space:nowrap;transition:background-color var(--transition-fast),color var(--transition-fast)}.pf-dropdown-menu a:hover{background-color:var(--pf-surface);color:var(--pf-green)}.pf-dropdown-menu a::after{display:none}.pf-nav-toggle{display:none;flex-direction:column;justify-content:space-between;min-width:44px;min-height:44px;padding:12px 10px;background:transparent;border:1px solid var(--pf-border);border-radius:var(--radius-md);cursor:pointer}.pf-nav-toggle:focus-visible{box-shadow:var(--shadow-focus)}.pf-nav-toggle-bar{display:block;width:100%;height:2px;background-color:var(--pf-navy);border-radius:1px;transition:transform var(--transition-fast),opacity var(--transition-fast)}@media (max-width:767px){.pf-nav-toggle{display:flex}.pf-nav{display:none;position:absolute;top:100%;left:0;right:0;background-color:#FFFFFF;border-bottom:1px solid var(--pf-border);box-shadow:var(--shadow-hover);padding:var(--space-4) var(--space-6);max-height:calc(100vh - 70px);overflow-y:auto}.pf-nav.is-open{display:block}.pf-nav-menu{flex-direction:column;align-items:stretch;gap:var(--space-2)}.pf-nav-menu li{width:100%}.pf-dropdown-toggle{width:100%;justify-content:space-between;font-size:var(--text-base);padding:var(--space-2) 0;border-bottom:1px solid var(--pf-border)}.pf-dropdown-menu{position:static;display:none;box-shadow:none;border:none;border-left:2px solid var(--pf-border);border-radius:0;margin:var(--space-2) 0 var(--space-2) var(--space-3);padding:0 0 0 var(--space-3);min-width:0}.pf-has-dropdown.is-open > .pf-dropdown-menu{display:block}.pf-dropdown-menu a{padding:var(--space-2) 0;font-size:var(--text-sm);white-space:normal}}.pf-footer{background-color:var(--pf-navy);color:#94A3B8;padding-top:var(--space-12);padding-bottom:var(--space-8);margin-top:auto}.pf-footer-inner{display:flex;flex-direction:column}.pf-footer-top{display:flex;flex-direction:column;gap:var(--space-6);margin-bottom:var(--space-8)}@media (min-width:768px){.pf-footer-top{flex-direction:row;justify-content:space-between;align-items:center}}.pf-footer-brand{max-width:480px}.pf-footer-logo-text{font-family:var(--font-main);font-size:var(--text-2xl);font-weight:var(--weight-extrabold);color:#FFFFFF;letter-spacing:-0.03em;display:inline-block;margin-bottom:var(--space-2)}.pf-footer-desc{font-size:var(--text-sm);line-height:var(--leading-relaxed);color:#94A3B8;margin:0}.pf-footer-legal-links{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:var(--space-4) var(--space-6)}.pf-footer-legal-links a{color:#94A3B8;font-size:var(--text-sm);font-weight:var(--weight-medium);text-decoration:none;transition:color var(--transition-fast)}.pf-footer-legal-links a:hover{color:#FFFFFF;text-decoration:underline}.pf-footer-heading{font-size:var(--text-sm);font-weight:var(--weight-bold);text-transform:uppercase;letter-spacing:0.05em;color:#FFFFFF;margin-top:0;margin-bottom:var(--space-4)}.pf-footer-links{list-style:none;margin:0;padding:0}.pf-footer-links li{margin-bottom:var(--space-2)}.pf-footer-links a{color:#94A3B8;font-size:var(--text-sm);text-decoration:none;transition:color var(--transition-fast)}.pf-footer-links a:hover{color:#FFFFFF;text-decoration:underline}.pf-footer-bottom{border-top:1px solid rgba(255,255,255,0.1);padding-top:var(--space-6);display:flex;flex-direction:column;gap:var(--space-3);font-size:var(--text-xs);color:#94A3B8}@media (min-width:768px){.pf-footer-bottom{flex-direction:row;justify-content:space-between;align-items:flex-start}.pf-footer-disclosure{max-width:70%;margin:0}.pf-footer-copy{text-align:right;white-space:nowrap;margin:0}}.pf-consent-banner{position:fixed;bottom:0;left:0;right:0;z-index:999999;background-color:var(--pf-navy);color:#F1F5F9;border-top:1px solid rgba(255,255,255,0.15);box-shadow:0 -4px 20px rgba(0,0,0,0.25);padding:var(--space-4) 0;display:none}.pf-consent-banner.is-visible{display:block}.pf-consent-inner{display:flex;flex-direction:column;gap:var(--space-4);align-items:flex-start}@media (min-width:768px){.pf-consent-inner{flex-direction:row;align-items:center;justify-content:space-between}}.pf-consent-text{font-size:var(--text-xs);line-height:1.45;color:#CBD5E1;margin:0;max-width:750px}.pf-consent-text a{color:var(--pf-amber);text-decoration:underline}.pf-consent-actions{display:flex;flex-wrap:wrap;gap:var(--space-2)}.pf-consent-btn{font-size:var(--text-xs);padding:8px 16px;min-height:44px}.pf-actions-bar{display:flex;align-items:center;flex-wrap:wrap;gap:var(--space-3)}.pf-calc-actions-bar{margin:var(--space-4) 0 0 0;padding-top:var(--space-4);border-top:1px solid var(--pf-border)}.pf-article-actions-bar{margin:var(--space-6) 0;padding:var(--space-4) 0;border-top:1px solid var(--pf-border);border-bottom:1px solid var(--pf-border)}.pf-action-btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--space-2);min-height:44px;min-width:44px;padding:10px 16px;font-size:var(--text-sm);font-weight:600;font-family:inherit;color:var(--pf-navy);background-color:#FFFFFF;border:1px solid #CBD5E1;border-radius:var(--radius-md);cursor:pointer;line-height:1.25;transition:background-color var(--transition-fast),border-color var(--transition-fast),color var(--transition-fast),box-shadow var(--transition-fast)}.pf-action-btn:hover{background-color:var(--pf-surface);border-color:#94A3B8;color:var(--pf-green)}.pf-action-btn:focus-visible{outline:none;box-shadow:var(--shadow-focus)}.pf-action-icon{flex-shrink:0}.pf-bookmark-btn[aria-pressed="true"]{background-color:rgba(46,125,50,0.08);border-color:var(--pf-green);color:var(--pf-green)}.pf-bookmark-btn[aria-pressed="true"] .pf-bookmark-icon{fill:currentColor}.pf-share-wrap{position:relative;display:inline-block}.pf-share-menu{position:absolute;top:calc(100% + 6px);left:0;min-width:190px;background-color:#FFFFFF;border:1px solid var(--pf-border);border-radius:var(--radius-md);box-shadow:var(--shadow-md);padding:4px 0;margin:0;list-style:none;z-index:1050}.pf-share-menu-item{display:flex;align-items:center;gap:var(--space-3);width:100%;min-height:44px;padding:10px 16px;font-size:var(--text-sm);font-weight:var(--weight-medium);font-family:inherit;color:var(--pf-navy);background:transparent;border:none;text-decoration:none;text-align:left;cursor:pointer;box-sizing:border-box;transition:background-color var(--transition-fast),color var(--transition-fast)}.pf-share-menu-item:hover,.pf-share-menu-item:focus{background-color:var(--pf-surface);color:var(--pf-green);outline:none}.pf-share-menu-item svg{flex-shrink:0}.pf-header-right{display:flex;align-items:center;gap:var(--space-4)}.pf-header-bookmark{display:inline-flex;align-items:center;justify-content:center;gap:4px;color:var(--pf-navy);text-decoration:none;padding:6px 8px;border:1px solid var(--pf-border);border-radius:var(--radius-md);background-color:#FFFFFF;font-size:var(--text-xs);font-weight:var(--weight-semibold);transition:color var(--transition-fast),border-color var(--transition-fast),background-color var(--transition-fast)}.pf-header-bookmark:hover{color:var(--pf-green);border-color:var(--pf-green);background-color:var(--pf-surface)}.pf-header-bookmark:focus-visible{outline:none;box-shadow:var(--shadow-focus)}.pf-bookmark-count{display:inline-flex;align-items:center;justify-content:center;min-width:18px;height:18px;padding:0 4px;font-size:11px;font-weight:var(--weight-bold);background-color:var(--pf-navy);color:#FFFFFF;border-radius:9999px;line-height:1;transition:background-color var(--transition-fast)}.pf-header-bookmark:hover .pf-bookmark-count{background-color:var(--pf-green)}.pf-drawer-bookmark-item{border-top:1px solid var(--pf-border);margin-top:var(--space-2);padding-top:var(--space-2)}.pf-drawer-bookmark-link{display:flex;align-items:center;justify-content:space-between;width:100%}.pf-drawer-bookmark-label{display:inline-flex;align-items:center;gap:var(--space-2)}.pf-toast{position:fixed;bottom:24px;right:24px;background-color:var(--pf-navy);color:#FFFFFF;padding:10px 18px;border-radius:var(--radius-md);font-size:var(--text-sm);font-weight:var(--weight-semibold);box-shadow:var(--shadow-lg);z-index:99999;opacity:0;transform:translateY(12px);pointer-events:none;transition:opacity 0.2s ease,transform 0.2s ease}.pf-toast.is-visible{opacity:1;transform:translateY(0)}.pf-saved-page{padding-top:var(--space-8);padding-bottom:var(--space-16);max-width:52rem;margin:0 auto}.pf-saved-header{margin-bottom:var(--space-6)}.pf-saved-title{font-size:var(--text-3xl);font-weight:var(--weight-extrabold);color:var(--pf-navy);margin:0}.pf-saved-top-bar{display:flex;align-items:center;justify-content:space-between;margin-top:var(--space-4);padding-bottom:var(--space-3);border-bottom:1px solid var(--pf-border)}.pf-saved-count-text{font-size:var(--text-sm);font-weight:var(--weight-medium);color:var(--pf-body)}.pf-saved-clear-btn{background:transparent;border:none;color:var(--pf-body);font-size:var(--text-sm);font-weight:var(--weight-semibold);font-family:inherit;cursor:pointer;text-decoration:underline;padding:4px 6px;border-radius:var(--radius-sm);transition:color var(--transition-fast)}.pf-saved-clear-btn:hover{color:var(--pf-red)}.pf-saved-clear-btn:focus-visible{outline:none;box-shadow:var(--shadow-focus)}.pf-saved-empty{padding:var(--space-12) var(--space-6);text-align:center;background-color:#FFFFFF;border:1px dashed var(--pf-border);border-radius:var(--radius-lg);margin-top:var(--space-6)}.pf-saved-list{display:flex;flex-direction:column;gap:var(--space-3);margin-top:var(--space-6)}.pf-saved-item{display:flex;align-items:center;justify-content:space-between;gap:var(--space-4);background-color:#FFFFFF;border:1px solid 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var(--transition-fast)}.pf-saved-item-remove:hover{background-color:#FEE2E2;border-color:var(--pf-red);color:var(--pf-red)}.pf-saved-item-remove:focus-visible{outline:none;box-shadow:var(--shadow-focus)}.pf-calculator-page{padding-top:var(--space-2);padding-bottom:clamp(2.5rem,5vw,4rem)}@media (min-width:768px){.pf-calculator-page{padding-top:var(--space-4)}}.pf-calc-header{margin-bottom:clamp(1.25rem,3vw,2rem)}.pf-calc-badge-row{display:flex;flex-wrap:wrap;align-items:center;gap:8px;font-size:var(--text-xs);color:var(--pf-body);margin-bottom:var(--space-3)}.pf-calc-badge{display:inline-flex;align-items:center;gap:6px;padding:4px 12px;min-height:28px;background-color:#FFFFFF;border:1px solid var(--pf-border);border-radius:var(--radius-full);font-weight:var(--weight-medium);font-size:0.75rem;color:#334155;box-shadow:0 1px 2px rgba(15,23,42,0.04)}.pf-calc-badge svg{color:var(--pf-green);width:14px;height:14px;flex-shrink:0}.pf-calc-title{font-size:clamp(1.75rem,5vw,2.625rem);font-weight:800;color:var(--pf-navy);margin-top:0;margin-bottom:var(--space-2);letter-spacing:-0.025em;line-height:1.2}.pf-calc-lead{font-size:clamp(0.9375rem,2vw,1.0625rem);color:var(--pf-body);max-width:52ch;line-height:var(--leading-relaxed);margin-top:0;margin-bottom:var(--space-4)}.pf-quick-answer-card{background-color:#FFFFFF;border:1px solid var(--pf-border);border-left:4px solid var(--pf-green);border-radius:var(--radius-md);margin-bottom:var(--space-6);padding:var(--space-4) var(--space-5);box-shadow:var(--shadow-sm)}.pf-quick-answer-text{margin:0;font-size:var(--text-sm);line-height:var(--leading-relaxed);color:var(--pf-navy)}.pf-calc-grid{display:grid;grid-template-columns:1fr;gap:var(--space-6);margin-bottom:clamp(2rem,4vw,3rem);width:100%}@media (min-width:992px){.pf-calc-grid{grid-template-columns:1.15fr 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0}.pf-calc-fieldset:last-child{margin-bottom:0}.pf-calc-legend{font-size:var(--text-xs);font-weight:700;text-transform:uppercase;letter-spacing:0.06em;color:var(--pf-navy);margin-bottom:var(--space-4);display:flex;align-items:center;gap:var(--space-2);width:100%}.pf-calc-legend::after{content:'';flex:1;height:1px;background-color:var(--pf-border)}.pf-form-row{margin-bottom:var(--space-5)}.pf-form-row:last-child{margin-bottom:0}.pf-field-label-group{display:flex;justify-content:space-between;align-items:baseline;gap:8px;margin-bottom:var(--space-2)}.pf-field-label{font-size:var(--text-sm);font-weight:600;color:var(--pf-navy)}.pf-field-hint{font-size:var(--text-xs);color:#64748B;text-align:right}.pf-input-affix-wrap{position:relative;display:flex;align-items:center;width:100%}.pf-input-affix{position:absolute;top:50%;transform:translateY(-50%);font-size:1rem;font-weight:600;color:#64748B;pointer-events:none;user-select:none;z-index:2}.pf-input-affix.is-prefix{left:0.875rem}.pf-input-affix.is-suffix{right:0.875rem}.pf-calc-grid 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var(--pf-border);margin-bottom:var(--space-5)}.pf-result-caption{font-size:var(--text-xs);font-weight:700;text-transform:uppercase;letter-spacing:0.06em;color:#475569;margin-bottom:var(--space-2)}.pf-result-amount{font-family:var(--font-main);font-variant-numeric:tabular-nums;font-size:clamp(2rem,5.5vw,3rem);font-weight:800;color:var(--pf-navy);line-height:1.1;letter-spacing:-0.03em;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.pf-result-period{font-size:var(--text-xs);color:#64748B;font-weight:500;margin-top:6px}.pf-breakdown-bar-wrap{margin-bottom:var(--space-5)}.pf-breakdown-bar{display:flex;height:10px;border-radius:var(--radius-full);overflow:hidden;background-color:#E2E8F0}.pf-bar-segment{height:100%;transition:width var(--transition-base)}.pf-bar-pi{background-color:var(--pf-navy)}.pf-bar-tax{background-color:var(--pf-green)}.pf-bar-ins{background-color:var(--pf-amber)}.pf-bar-pmi{background-color:#94A3B8}.pf-breakdown-rows{display:flex;flex-direction:column;gap:var(--space-3);margin-bottom:var(--space-5)}.pf-breakdown-row{display:flex;justify-content:space-between;align-items:center;gap:8px;font-size:var(--text-sm);padding:4px 0}.pf-breakdown-row.is-total{font-weight:700;font-size:0.9375rem;padding-top:var(--space-3);margin-top:var(--space-2);border-top:1px solid var(--pf-border);color:var(--pf-navy)}.pf-breakdown-label{display:flex;align-items:center;gap:8px;color:#475569;font-weight:500}.pf-breakdown-row.is-total .pf-breakdown-label{color:var(--pf-navy);font-weight:700}.pf-row-dot{width:10px;height:10px;border-radius:50%;display:inline-block;flex-shrink:0}.pf-breakdown-val{font-variant-numeric:tabular-nums;font-weight:700;color:var(--pf-navy);white-space:nowrap}#pf-rvb-hero-banner{background:#F0FDF4;border:1px solid #BBF7D0;border-radius:var(--radius-md);padding:var(--space-4) var(--space-5);text-align:center;margin-bottom:var(--space-5)}#pf-rvb-hero-caption{font-size:var(--text-xs);font-weight:700;text-transform:uppercase;letter-spacing:0.05em;color:#166534;margin-bottom:6px}#pf-rvb-hero-amount{font-size:clamp(1.375rem,4vw,1.75rem);font-weight:800;color:#14532D;line-height:1.2;margin-bottom:4px;white-space:nowrap}#pf-rvb-hero-breakeven{font-size:var(--text-xs);color:#15803D;font-weight:500}.pf-calc-disclaimer{font-size:var(--text-xs);color:#475569;line-height:var(--leading-normal);background-color:var(--pf-paper);border-radius:var(--radius-sm);padding:var(--space-3);border-left:3px solid 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14px;font-size:var(--text-xs);font-weight:600;color:var(--pf-body);border-radius:var(--radius-sm);cursor:pointer;transition:var(--transition-fast)}.pf-sched-btn.is-active{background-color:#FFFFFF;color:var(--pf-navy);box-shadow:var(--shadow-sm)}.pf-sched-btn:focus-visible{outline:none;box-shadow:var(--shadow-focus)}.pf-table-responsive{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--pf-border);border-radius:var(--radius-md);background:#FFFFFF}.pf-schedule-table{width:100%;border-collapse:collapse;font-size:var(--text-sm);text-align:right;min-width:520px}.pf-schedule-table th,.pf-schedule-table td{padding:12px 16px;border-bottom:1px solid var(--pf-border)}.pf-schedule-table th{background-color:var(--pf-paper);font-weight:700;color:var(--pf-navy);font-size:0.75rem;text-transform:uppercase;letter-spacing:0.05em;position:sticky;top:0;z-index:2}.pf-schedule-table th:first-child,.pf-schedule-table td:first-child{text-align:left}.pf-schedule-table 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var(--pf-border);border-radius:var(--radius-md);padding:clamp(1rem,2.5vw,1.25rem);margin-bottom:var(--space-5)}.pf-benchmark-body{font-size:var(--text-sm);line-height:var(--leading-relaxed);color:#334155}.pf-sources-box{margin-top:var(--space-4)}.pf-sources-list{padding-left:0;list-style:none;margin:0}.pf-source-item{padding:8px 0;border-bottom:1px dashed var(--pf-border);display:flex;flex-wrap:wrap;align-items:baseline;gap:8px;font-size:var(--text-sm);color:#475569}.pf-source-item:last-child{border-bottom:none}.pf-source-link{color:var(--pf-green);text-decoration:underline;text-underline-offset:3px;font-weight:600;display:inline-flex;align-items:center;gap:4px}.pf-source-link:hover{color:var(--pf-green-dark)}.pf-schedule-export-actions{margin-top:var(--space-4);display:flex;flex-wrap:wrap;gap:var(--space-3);justify-content:flex-end}.pf-export-btn{display:inline-flex;align-items:center;gap:6px;font-family:inherit;font-size:var(--text-xs);font-weight:600;padding:8px 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#CBD5E1;text-align:right;-webkit-print-color-adjust:exact;print-color-adjust:exact}.pf-print-table th:first-child,.pf-print-table td:first-child{text-align:center}.pf-print-table td{padding:2px 5px;border:1px solid #E2E8F0;text-align:right}.pf-print-table tr{page-break-inside:avoid;break-inside:avoid}.pf-print-table tr:nth-child(even) td{background:#F8FAFC !important;-webkit-print-color-adjust:exact;print-color-adjust:exact}}.pf-faq-section{background-color:#FFFFFF;border:1px solid var(--pf-border);border-radius:var(--radius-lg);padding:clamp(1.25rem,3.5vw,2rem);margin-bottom:clamp(2rem,4vw,3rem);box-shadow:var(--shadow-sm);width:100%}.pf-faq-header{margin-bottom:var(--space-6)}.pf-faq-title{font-size:clamp(1.25rem,3.5vw,1.625rem);font-weight:700;color:var(--pf-navy);margin-top:0;margin-bottom:var(--space-2);letter-spacing:-0.02em}.pf-faq-subtitle{font-size:var(--text-sm);color:var(--pf-body);line-height:var(--leading-relaxed);margin:0;max-width:54ch}.pf-faq-list{display:flex;flex-direction:column;gap:var(--space-3)}.pf-faq-item{border:1px solid var(--pf-border);border-radius:var(--radius-md);overflow:hidden;background-color:#FFFFFF;transition:border-color var(--transition-fast),box-shadow var(--transition-fast)}.pf-faq-item.is-open{border-color:#CBD5E1;box-shadow:0 1px 3px rgba(15,23,42,0.04)}.pf-faq-item h3{margin:0;font-size:inherit;font-weight:inherit;line-height:inherit}.pf-faq-trigger{width:100%;min-height:48px;display:flex;align-items:center;justify-content:space-between;gap:var(--space-4);padding:14px 18px;background-color:#FFFFFF;border:none;font-family:var(--font-main);font-size:1rem;font-weight:600;color:var(--pf-navy);text-align:left;cursor:pointer;transition:background-color var(--transition-fast),color var(--transition-fast)}.pf-faq-trigger:hover{background-color:#F8F7F4;color:var(--pf-green)}.pf-faq-trigger:focus-visible{outline:none;box-shadow:var(--shadow-focus)}.pf-faq-chevron{flex-shrink:0;width:20px;height:20px;color:#64748B;transition:transform var(--transition-base),color var(--transition-fast)}.pf-faq-trigger[aria-expanded="true"] .pf-faq-chevron{transform:rotate(180deg);color:var(--pf-navy)}.pf-faq-body{display:none;padding:0 18px 18px 18px;color:#475569;font-size:0.9375rem;line-height:var(--leading-relaxed)}.pf-faq-body.is-open{display:block}.pf-faq-body p{margin-top:0;margin-bottom:var(--space-3)}.pf-faq-body p:last-child{margin-bottom:0}