:root{--bg: #f6f4f0;--bg-warm: #efeae0;--surface: #ffffff;--ink: #1a1a1a;--ink-soft: #4a4a4a;--ink-mute: #8a8a8a;--rule: #d8d4cc;--max: 1180px}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:Inter,-apple-system,BlinkMacSystemFont,sans-serif;background:var(--bg);color:var(--ink);line-height:1.55;-webkit-font-smoothing:antialiased}.serif{font-family:Fraunces,Georgia,serif;font-weight:400;letter-spacing:-.005em}a{color:inherit;text-decoration:none}img{max-width:100%;height:auto;display:block}.wrap{max-width:var(--max);margin:0 auto;padding:0 32px}@media (max-width: 720px){.wrap{padding:0 20px}}.topbar{background:var(--ink);color:#d4cfc4;font-size:12px;padding:8px 0}.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}.topbar a{color:#d4cfc4}.topbar a:hover{color:#fff}.topbar-left span+span:before{content:"·";margin:0 10px;color:#6b6b6b}header{background:var(--bg);border-bottom:1px solid var(--rule);position:sticky;top:0;z-index:50}.head-inner{display:flex;align-items:center;justify-content:space-between;padding:18px 0;gap:16px}.logo svg{display:block}nav.primary ul{display:flex;gap:36px;list-style:none;align-items:center}nav.primary a{font-size:14px;font-weight:500;color:var(--ink-soft);transition:color .15s;text-decoration:none;text-decoration-thickness:1.5px;text-underline-offset:6px}nav.primary a:hover,nav.primary a.active{color:var(--ink);text-decoration:underline}.head-cta{background:var(--ink);color:var(--bg);padding:10px 20px;border-radius:4px;font-size:13px;font-weight:500;transition:background .15s;white-space:nowrap}.head-cta:hover{background:#000}@media (max-width: 900px){nav.primary{display:none}}.btn-primary{background:var(--ink);color:var(--bg);padding:16px 28px;border-radius:4px;font-size:15px;font-weight:500;transition:background .15s;display:inline-flex;align-items:center;gap:10px;cursor:pointer;border:none}.btn-primary:hover{background:#000}.btn-primary svg{transition:transform .15s}.btn-primary:hover svg{transform:translate(3px)}.btn-secondary{color:var(--ink);font-weight:500;font-size:14px;border-bottom:1px solid var(--ink-mute);padding-bottom:2px}.hero{padding:80px 0 100px}.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:64px;align-items:center}.eyebrow{font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--ink-mute);font-weight:500;margin-bottom:24px}h1.hero-h{font-family:Fraunces,Georgia,serif;font-weight:400;font-size:clamp(40px,5.2vw,64px);line-height:1.05;letter-spacing:-.018em;margin-bottom:24px}h1.hero-h em{font-style:italic;font-weight:300;color:var(--ink-soft)}.hero-sub{font-size:18px;color:var(--ink-soft);max-width:480px;margin-bottom:36px}.hero-ctas{display:flex;gap:14px;align-items:center;flex-wrap:wrap}.hero-trust{margin-top:28px;font-size:13px;color:var(--ink-mute)}.hero-photo{aspect-ratio:4/5;background:#efeae0;border-radius:4px;position:relative;overflow:hidden}.hero-photo img{width:100%;height:100%;object-fit:cover;display:block}.hero-photo .placeholder-tag{position:absolute;bottom:20px;right:20px;background:#000000a6;color:#fff;font-size:11px;padding:6px 12px;border-radius:3px;letter-spacing:.08em;text-transform:uppercase}@media (max-width: 900px){.hero-grid{grid-template-columns:1fr;gap:40px}.hero{padding:56px 0 72px}}.page-hero{padding:72px 0 56px}.page-hero h1{font-family:Fraunces,Georgia,serif;font-weight:400;font-size:clamp(36px,4.6vw,56px);line-height:1.08;letter-spacing:-.018em;max-width:760px;margin-bottom:20px}.page-hero p{font-size:19px;color:var(--ink-soft);max-width:620px}.proof-bar{background:var(--surface);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);padding:28px 0}.proof-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px}.proof-item{text-align:center;border-left:1px solid var(--rule);padding:0 12px}.proof-item:first-child{border-left:none}.proof-num{font-family:Fraunces,Georgia,serif;font-size:28px;font-weight:500}.proof-lbl{font-size:12px;color:var(--ink-mute);letter-spacing:.08em;text-transform:uppercase;margin-top:4px}@media (max-width: 720px){.proof-grid{grid-template-columns:repeat(2,1fr);gap:24px}.proof-item:nth-child(3){border-left:none}}section.major{padding:110px 0}@media (max-width: 720px){section.major{padding:72px 0}}.section-head{margin-bottom:56px;max-width:720px}.section-eyebrow{font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--ink-mute);font-weight:500;margin-bottom:18px}h2.section-h{font-family:Fraunces,Georgia,serif;font-weight:400;font-size:clamp(32px,3.8vw,44px);line-height:1.15;letter-spacing:-.015em;margin-bottom:18px}.section-lead{font-size:17px;color:var(--ink-soft);max-width:560px}.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}.why-quote{background:var(--bg-warm);padding:56px;border-radius:4px;position:relative}.why-quote-mark{font-family:Fraunces,Georgia,serif;font-size:88px;line-height:.6;color:var(--ink);opacity:.18;position:absolute;top:28px;left:28px}.why-quote p{font-family:Fraunces,Georgia,serif;font-weight:300;font-size:24px;line-height:1.35;letter-spacing:-.01em;color:var(--ink);margin-top:32px;margin-bottom:28px}.why-quote .attr{font-size:13px;color:var(--ink-mute);letter-spacing:.05em}.why-points{display:flex;flex-direction:column;gap:36px}.why-point h3{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:22px;margin-bottom:10px}.why-point p{color:var(--ink-soft);font-size:15px}.why-point-num{font-family:Fraunces,Georgia,serif;font-weight:400;font-size:14px;color:var(--ink-mute);margin-bottom:8px;letter-spacing:.08em}@media (max-width: 900px){.why-grid{grid-template-columns:1fr;gap:40px}.why-quote{padding:40px 28px}}.process{background:var(--surface)}.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:32px}.step{padding-top:24px;border-top:1px solid var(--ink)}.step-num{font-family:Fraunces,Georgia,serif;font-size:14px;font-weight:500;color:var(--ink-mute);letter-spacing:.08em;margin-bottom:12px}.step h3{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:20px;margin-bottom:8px}.step p{font-size:14px;color:var(--ink-soft)}@media (max-width: 720px){.process-steps{grid-template-columns:1fr 1fr;gap:24px}}.testimonials{background:var(--bg)}.test-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.test-card{background:var(--surface);padding:36px 32px;border:1px solid var(--rule);border-radius:4px;display:flex;flex-direction:column;min-height:280px}.test-quote{font-family:Fraunces,Georgia,serif;font-weight:400;font-size:18px;line-height:1.45;letter-spacing:-.005em;color:var(--ink);margin-bottom:24px;flex-grow:1}.test-attr{border-top:1px solid var(--rule);padding-top:16px;font-size:13px;color:var(--ink-soft)}.test-attr strong{color:var(--ink);display:block;margin-bottom:2px}@media (max-width: 900px){.test-grid{grid-template-columns:1fr}}.cta-section{background:var(--ink);color:var(--bg);padding:96px 0}.cta-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:64px;align-items:center}.cta-section h2{font-family:Fraunces,Georgia,serif;font-weight:400;font-size:clamp(32px,4vw,48px);line-height:1.1;letter-spacing:-.02em;margin-bottom:20px}.cta-section p{color:#d4cfc4;font-size:17px;max-width:480px}.cta-box{background:#ffffff0d;border:1px solid rgba(255,255,255,.15);padding:36px;border-radius:4px}.cta-box h3{font-family:Fraunces,Georgia,serif;font-weight:400;font-size:22px;margin-bottom:8px;color:var(--bg)}.cta-box p{color:#d4cfc4;font-size:14px;margin-bottom:24px}.cta-box .btn-primary{background:var(--bg);color:var(--ink);width:100%;justify-content:center}.cta-box .btn-primary:hover{background:#fff}.cta-box .alt{display:block;text-align:center;margin-top:14px;font-size:13px;color:#d4cfc4}@media (max-width: 900px){.cta-grid{grid-template-columns:1fr;gap:40px}.cta-section{padding:72px 0}}footer{background:var(--bg);color:var(--ink-soft);padding:64px 0 32px;font-size:14px;border-top:1px solid var(--rule)}.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:48px;padding-bottom:48px;border-bottom:1px solid var(--rule)}.foot-col h4{font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--ink);margin-bottom:16px;font-weight:600}.foot-col ul{list-style:none;display:flex;flex-direction:column;gap:10px}.foot-col a:hover{color:var(--ink)}.foot-brand p{margin-top:16px;font-size:13px;color:var(--ink-mute)}.foot-bottom{padding-top:24px;display:flex;justify-content:space-between;align-items:center;font-size:12px;color:var(--ink-mute);flex-wrap:wrap;gap:12px}.foot-bottom a{text-decoration:underline;text-underline-offset:3px}@media (max-width: 720px){.foot-grid{grid-template-columns:1fr 1fr;gap:32px}}.prose-grid{display:grid;grid-template-columns:280px 1fr;gap:80px;align-items:start}.prose-side{position:sticky;top:110px}.prose-side h4{font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:14px;font-weight:500}.prose-side ul{list-style:none;display:flex;flex-direction:column;gap:10px;font-size:14px}.prose-side a{color:var(--ink-soft);border-left:1px solid var(--rule);padding-left:12px;transition:color .15s,border-color .15s}.prose-side a:hover{color:var(--ink);border-color:var(--ink)}.prose-body h2{font-family:Fraunces,Georgia,serif;font-weight:400;font-size:32px;line-height:1.15;margin-bottom:14px;margin-top:56px;letter-spacing:-.01em}.prose-body h2:first-child{margin-top:0}.prose-body h3{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:20px;margin-top:36px;margin-bottom:10px}.prose-body p{font-size:16px;color:var(--ink-soft);margin-bottom:16px;max-width:660px}.prose-body p strong{color:var(--ink);font-weight:600}.prose-body ul.bullets{padding-left:22px;color:var(--ink-soft);font-size:16px;max-width:660px;margin-bottom:24px}.prose-body ul.bullets li{margin-bottom:8px}.prose-body .callout{background:var(--bg-warm);padding:24px 28px;border-radius:4px;margin:24px 0;max-width:660px;font-size:15px}.prose-body .callout strong{color:var(--ink)}@media (max-width: 900px){.prose-grid{grid-template-columns:1fr;gap:40px}.prose-side{position:static}}.faq{max-width:760px;margin:0 auto}.faq details{border-bottom:1px solid var(--rule);padding:20px 0}.faq details:first-child{border-top:1px solid var(--rule)}.faq summary{font-family:Fraunces,Georgia,serif;font-size:19px;font-weight:500;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}.faq summary:after{content:"+";font-size:24px;font-weight:300;color:var(--ink-mute);transition:transform .15s}.faq details[open] summary:after{content:"−"}.faq details>p{margin-top:12px;color:var(--ink-soft);font-size:15px;max-width:640px}body.zh{font-family:Inter,PingFang SC,Microsoft YaHei,-apple-system,sans-serif}body.zh .serif,body.zh h1,body.zh h2,body.zh h3{font-family:Fraunces,PingFang SC,Georgia,serif}.newsletter{background:var(--bg-warm);padding:96px 0}.newsletter-inner{max-width:680px;margin:0 auto;text-align:center}.newsletter-inner .section-eyebrow,.newsletter-inner h2.section-h{margin-bottom:18px}.newsletter-inner .section-lead{max-width:560px;margin:0 auto 32px}.newsletter-form{display:flex;gap:8px;justify-content:center;max-width:480px;margin:0 auto;flex-wrap:wrap}.newsletter-form input[type=email]{flex:1;min-width:220px;padding:14px 18px;border:1px solid var(--rule);border-radius:4px;background:var(--surface);font-size:15px;font-family:inherit;color:var(--ink)}.newsletter-form input[type=email]:focus{outline:none;border-color:var(--ink)}.newsletter-form button{padding:14px 24px;cursor:pointer;border:none;white-space:nowrap}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}@media (max-width: 480px){.newsletter-form{flex-direction:column}.newsletter-form button{width:100%;justify-content:center}}.newsletter-trust{font-size:13px;color:var(--ink-mute);margin-top:18px}@media (max-width: 720px){.newsletter{padding:72px 0}}.contact-grid{display:grid;grid-template-columns:1.6fr 1fr;gap:80px;align-items:start}.contact-form{display:flex;flex-direction:column;gap:22px}.form-row{display:flex;flex-direction:column;gap:6px}.form-row label{font-size:13px;font-weight:500;color:var(--ink-soft);letter-spacing:.02em}.form-row label .required{color:var(--ink)}.form-row label .optional{color:var(--ink-mute);font-weight:400}.form-row input,.form-row textarea{font-family:inherit;font-size:15px;padding:12px 14px;border:1px solid var(--rule);border-radius:4px;background:var(--surface);color:var(--ink);transition:border-color .15s}.form-row input:focus,.form-row textarea:focus{outline:none;border-color:var(--ink)}.form-row textarea{resize:vertical;min-height:140px;font-family:inherit}.hp-field{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.contact-form button{align-self:flex-start;margin-top:4px;cursor:pointer}.form-trust{font-size:13px;color:var(--ink-mute);margin-top:4px}.contact-side{padding-top:24px}.contact-side h3{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:20px;margin-bottom:18px}.contact-list{list-style:none;display:flex;flex-direction:column;gap:22px;font-size:15px;color:var(--ink-soft)}.contact-list a{color:var(--ink);text-decoration:underline;text-underline-offset:3px;text-decoration-color:var(--rule);transition:text-decoration-color .15s}.contact-list a:hover{text-decoration-color:var(--ink)}.contact-lbl{display:block;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:4px;font-weight:600}@media (max-width: 900px){.contact-grid{grid-template-columns:1fr;gap:48px}}.has-dropdown{position:relative}.dropdown-trigger{font-size:14px;font-weight:500;color:var(--ink-soft);cursor:default;display:inline-flex;align-items:center;gap:5px;padding:8px 0;user-select:none;transition:color .15s}.dropdown-trigger.active,.has-dropdown:hover .dropdown-trigger,.has-dropdown:focus-within .dropdown-trigger{color:var(--ink)}.dropdown-trigger .caret{transition:transform .2s}.has-dropdown:hover .dropdown-trigger .caret,.has-dropdown:focus-within .dropdown-trigger .caret{transform:rotate(180deg)}.dropdown-menu{position:absolute;top:100%;left:-16px;background:var(--surface);border:1px solid var(--rule);border-radius:4px;padding:6px 0;min-width:200px;list-style:none;display:flex;flex-direction:column;gap:0;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .15s,visibility 0s .15s,transform .15s;z-index:60;box-shadow:0 8px 24px #0000000f}.has-dropdown:hover .dropdown-menu,.has-dropdown:focus-within .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0);transition:opacity .15s,visibility 0s,transform .15s}.dropdown-menu li{margin:0}.dropdown-menu a{display:block;padding:10px 18px;font-size:14px;color:var(--ink-soft);white-space:nowrap;transition:color .15s,background .15s}.dropdown-menu a:hover{color:var(--ink);background:var(--bg-warm)}.guide-page .prose-body h2{scroll-margin-top:90px}.guide-page .resource-links{background:var(--bg-warm);padding:24px 28px;border-radius:4px;margin-top:32px;max-width:660px}.guide-page .resource-links h3{font-family:Inter,sans-serif;font-size:12px;letter-spacing:.18em;text-transform:uppercase;font-weight:600;margin-top:0;margin-bottom:12px}.guide-page .resource-links ul{margin-bottom:0}.guide-page .resource-links a{color:var(--ink);text-decoration:underline;text-underline-offset:3px;text-decoration-color:var(--rule)}.guide-page .resource-links a:hover{text-decoration-color:var(--ink)}.guide-page .legal-note{font-size:13px;color:var(--ink-mute);font-style:italic;margin-top:32px;padding:16px 0;border-top:1px solid var(--rule);max-width:660px}.wrap-wide{max-width:1400px;margin:0 auto;padding:0 32px}@media (max-width: 720px){.wrap-wide{padding:0 20px}}.tour-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin-bottom:56px}@media (max-width: 900px){.tour-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}}@media (max-width: 560px){.tour-grid{grid-template-columns:1fr;gap:24px}}.tour-card{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--rule);border-radius:6px;overflow:hidden;transition:border-color .15s,transform .15s}.tour-card:hover{border-color:var(--ink-mute)}.tour-embed{background:#1a1a1a;aspect-ratio:9 / 16;position:relative;display:flex;align-items:center;justify-content:center;overflow:hidden}.tour-play-btn{width:100%;height:100%;background:transparent;border:none;cursor:pointer;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px;color:#f6f4f0;font-family:inherit;font-size:13px;font-weight:500;letter-spacing:.08em;text-transform:uppercase;padding:0;transition:background .2s ease;background:linear-gradient(135deg,#2a2a2a,#1a1a1a)}.tour-play-btn:hover{background:linear-gradient(135deg,#333,#1a1a1a)}.tour-play-icon{width:68px;height:68px;background:#fffffff2;color:#1a1a1a;border-radius:50%;display:flex;align-items:center;justify-content:center;padding-left:4px;transition:transform .2s ease,background .2s ease;box-shadow:0 4px 16px #00000040}.tour-play-btn:hover .tour-play-icon{transform:scale(1.06);background:#fff}.tour-play-hint{color:#d4cfc4}.tour-iframe{width:100%;height:100%;border:0;display:block}.tour-meta{padding:18px 20px 22px;display:flex;flex-direction:column;gap:4px;flex-grow:1}.tour-title{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:17px;line-height:1.25;color:var(--ink)}.tour-tag{font-size:13px;color:var(--ink-mute);margin-bottom:12px}.tour-cta{margin-top:auto;align-self:flex-start;font-size:13px;font-weight:500;color:var(--ink);border-bottom:1px solid var(--ink-mute);padding-bottom:2px;display:inline-flex;align-items:center;gap:6px;transition:border-color .15s}.tour-cta:hover{border-bottom-color:var(--ink)}.tour-cta svg{transition:transform .15s}.tour-cta:hover svg{transform:translate(2px)}.tour-bottom{text-align:center;padding:16px 0 8px}.tour-disclosure{margin-top:32px;max-width:720px;margin-left:auto;margin-right:auto;font-size:12px;color:var(--ink-mute);font-style:italic;line-height:1.55}.btn-outline{background:transparent;color:var(--ink);padding:16px 28px;border-radius:4px;border:1px solid var(--ink);font-size:14px;font-weight:600;letter-spacing:.04em;transition:background .15s,color .15s;display:inline-flex;align-items:center;gap:10px}.btn-outline:hover{background:var(--ink);color:var(--bg)}.btn-outline svg{transition:transform .15s}.btn-outline:hover svg{transform:translate(3px)}.hero-ctas-stacked{flex-direction:column;align-items:flex-start;gap:12px}.hero-ctas-stacked .btn-primary,.hero-ctas-stacked .btn-outline{width:auto}.hero-ctas-stacked .btn-secondary{margin-top:6px}.foot-grid-5{grid-template-columns:1.4fr 1fr 1fr 1fr 1fr}@media (max-width: 900px){.foot-grid-5{grid-template-columns:1fr 1fr}}.prose-body .calc,.calc-page .calc{background:var(--surface);border:1px solid var(--rule);border-radius:6px;padding:32px;max-width:720px;margin-top:24px;margin-bottom:24px}.calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:20px}.calc-fields .calc-field-full{grid-column:1 / -1}.calc-field{display:flex;flex-direction:column;gap:6px}.calc-field label{font-size:13px;font-weight:500;color:var(--ink-soft);letter-spacing:.02em}.calc-field label .hint{font-weight:400;color:var(--ink-mute);font-size:12px;margin-left:4px}.calc-field input,.calc-field select{font-family:inherit;font-size:15px;padding:10px 14px;border:1px solid var(--rule);border-radius:4px;background:var(--surface);color:var(--ink);transition:border-color .15s}.calc-field input:focus,.calc-field select:focus{outline:none;border-color:var(--ink)}.calc-field .input-prefix{position:relative}.calc-field .input-prefix:before{content:attr(data-prefix);position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--ink-mute);font-size:14px;pointer-events:none}.calc-field .input-prefix input{padding-left:28px}.calc-result{background:var(--bg-warm);padding:28px 32px;border-radius:4px;margin-top:28px}.calc-result-main{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:34px;line-height:1.1;color:var(--ink);margin-bottom:8px}.calc-result-main .label{display:block;font-family:Inter,sans-serif;font-weight:500;font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-mute);margin-bottom:6px}.calc-result-breakdown{margin-top:18px;padding-top:18px;border-top:1px solid var(--rule);font-size:14px;color:var(--ink-soft);display:flex;flex-direction:column;gap:6px}.calc-result-breakdown .row{display:flex;justify-content:space-between}.calc-result-breakdown .row strong{color:var(--ink)}.calc-disclaimer{font-size:12px;color:var(--ink-mute);font-style:italic;margin-top:18px;line-height:1.6}@media (max-width: 720px){.calc-fields{grid-template-columns:1fr;gap:16px}.prose-body .calc,.calc-page .calc{padding:22px}}.calc-legend{margin-top:12px;font-size:12px;color:var(--ink-mute);display:flex;flex-wrap:wrap;gap:6px 18px}.calc-legend>div{display:inline-flex;gap:6px;align-items:baseline}.calc-legend dt{font-weight:600;color:var(--ink-soft)}.calc-legend dd{margin:0}.nav-separator{width:1px;height:18px;background:var(--rule);align-self:center;margin:0 4px;list-style:none}.dropdown-trigger .trigger-text{text-decoration:none;text-decoration-thickness:1.5px;text-underline-offset:6px}.has-dropdown:hover .dropdown-trigger .trigger-text,.has-dropdown:focus-within .dropdown-trigger .trigger-text,.dropdown-trigger.active .trigger-text{text-decoration:underline}.prose-body h2,.prose-body h3{scroll-margin-top:100px}.logo{display:inline-flex;flex-direction:column;align-items:flex-start;gap:2px;line-height:1}.logo-home-hint{font-size:10px;color:var(--ink-mute);letter-spacing:.06em;font-style:italic;padding-left:62px;margin-top:-4px}.mc-shared{background:var(--bg-warm);padding:24px 28px;border-radius:6px;margin-bottom:24px}.mc-shared h3{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:16px;margin-bottom:14px;color:var(--ink)}.mc-shared-fields{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}@media (max-width: 720px){.mc-shared-fields{grid-template-columns:1fr 1fr}}@media (max-width: 480px){.mc-shared-fields{grid-template-columns:1fr}}.mc-scenarios{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-bottom:24px}@media (max-width: 1100px){.mc-scenarios{grid-template-columns:1fr;gap:18px}}.mc-scenario{background:var(--surface);border:1px solid var(--rule);border-radius:6px;padding:20px;display:flex;flex-direction:column;gap:14px}.mc-scenario-header{display:flex;justify-content:space-between;align-items:baseline;padding-bottom:12px;border-bottom:1px solid var(--rule)}.mc-scenario-header h4{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:18px;color:var(--ink)}.mc-scenario-tag{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-mute);font-weight:600}.mc-row{display:flex;flex-direction:column;gap:4px}.mc-row label{font-size:12px;color:var(--ink-mute);font-weight:500;letter-spacing:.02em}.mc-row input,.mc-row select{font-family:inherit;font-size:14px;padding:8px 10px;border:1px solid var(--rule);border-radius:4px;background:var(--bg);color:var(--ink);width:100%}.mc-row input:focus,.mc-row select:focus{outline:none;border-color:var(--ink);background:var(--surface)}.mc-row.mc-output{background:var(--bg-warm);padding:8px 12px;border-radius:4px}.mc-row.mc-output label{font-size:11px;text-transform:uppercase;letter-spacing:.1em}.mc-row.mc-output .value{font-family:Fraunces,Georgia,serif;font-size:16px;font-weight:500;color:var(--ink)}.mc-row.mc-payment{background:var(--ink);color:var(--bg);padding:14px 16px;border-radius:4px;margin-top:4px}.mc-row.mc-payment label{color:#d4cfc4;font-size:11px;text-transform:uppercase;letter-spacing:.12em}.mc-row.mc-payment .value{font-family:Fraunces,Georgia,serif;font-size:26px;font-weight:500;color:var(--bg);line-height:1.1}.mc-row.mc-payment .freq{display:block;font-family:Inter,sans-serif;font-size:12px;color:#b8b3a8;font-weight:400;margin-top:2px}.mc-row-pair{display:grid;grid-template-columns:1fr 1fr;gap:8px}.mc-ltt-block{background:var(--surface);border:1px solid var(--rule);border-radius:6px;padding:24px;margin-bottom:24px}.mc-ltt-block h3{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:18px;margin-bottom:14px}.mc-ltt-rows{display:flex;flex-direction:column;gap:8px;font-size:14px}.mc-ltt-rows .row{display:flex;justify-content:space-between}.mc-ltt-rows .row strong{color:var(--ink)}.mc-ltt-rows .row.total{padding-top:10px;margin-top:4px;border-top:1px solid var(--rule);font-size:16px}.mc-collapsible{background:var(--surface);border:1px solid var(--rule);border-radius:6px;margin-bottom:14px}.mc-collapsible summary{cursor:pointer;padding:18px 24px;list-style:none;display:flex;justify-content:space-between;align-items:center;font-family:Fraunces,Georgia,serif;font-size:17px;font-weight:500}.mc-collapsible summary::-webkit-details-marker{display:none}.mc-collapsible summary:after{content:"+";font-size:22px;color:var(--ink-mute);font-weight:300}.mc-collapsible[open] summary:after{content:"−"}.mc-collapsible-body{padding:18px 24px 24px;border-top:1px solid var(--rule)}.mc-table{width:100%;border-collapse:collapse;font-size:13px}.mc-table th,.mc-table td{text-align:right;padding:6px 8px}.mc-table th{font-weight:600;color:var(--ink-mute);border-bottom:1px solid var(--rule);font-size:11px;letter-spacing:.05em;text-transform:uppercase}.mc-table th:first-child,.mc-table td:first-child{text-align:left}.mc-table tr:nth-child(2n){background:var(--bg-warm)}.mc-amort-tabs{display:flex;gap:6px;margin-bottom:12px}.mc-amort-tab{padding:6px 14px;font-size:12px;font-weight:500;background:var(--bg);border:1px solid var(--rule);border-radius:4px;cursor:pointer;color:var(--ink-soft)}.mc-amort-tab.active{background:var(--ink);color:var(--bg);border-color:var(--ink)}.mc-stress-grid{display:grid;grid-template-columns:1fr 1fr 1fr 1fr;gap:12px}@media (max-width: 720px){.mc-stress-grid{grid-template-columns:1fr 1fr}}.mc-stress-cell{background:var(--bg-warm);padding:16px;border-radius:4px;text-align:center}.mc-stress-cell .rate{font-size:12px;color:var(--ink-mute);letter-spacing:.08em;text-transform:uppercase;font-weight:600}.mc-stress-cell .pmt{font-family:Fraunces,Georgia,serif;font-size:22px;font-weight:500;margin-top:6px}.mc-stress-cell .delta{font-size:12px;color:var(--ink-soft);margin-top:4px}.mc-stress-cell.base{background:var(--ink);color:var(--bg)}.mc-stress-cell.base .rate{color:#b8b3a8}.mc-stress-cell.base .pmt{color:var(--bg)}.mc-stress-cell.base .delta{color:#b8b3a8}a.proof-item.proof-link{display:block;color:inherit;text-decoration:none;transition:color .15s}a.proof-item.proof-link:hover{color:var(--ink)}a.proof-item.proof-link:hover .proof-num{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:4px}.airbnb-credentials{margin:32px 0 12px;max-width:660px}.airbnb-card{display:grid;grid-template-columns:auto 1fr auto;gap:24px;align-items:center;padding:22px 28px;background:var(--surface);border:1px solid var(--rule);border-radius:8px}.airbnb-photo-wrap{position:relative;width:84px;height:84px}.airbnb-photo-wrap img{width:100%;height:100%;object-fit:cover;border-radius:50%;display:block}.airbnb-verified{position:absolute;bottom:0;right:0;background:var(--ink);color:var(--bg);width:24px;height:24px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:600;border:2px solid var(--surface)}.airbnb-meta .airbnb-name{font-family:Fraunces,Georgia,serif;font-weight:500;font-size:22px;color:var(--ink);line-height:1.1}.airbnb-meta .airbnb-role{font-size:12px;color:var(--ink-mute);letter-spacing:.08em;text-transform:uppercase;margin-top:4px}.airbnb-stats{display:flex;gap:28px}.airbnb-stats>div{display:flex;flex-direction:column;align-items:center;gap:2px}.airbnb-stats .stat-num{font-family:Fraunces,Georgia,serif;font-size:22px;font-weight:500;color:var(--ink);line-height:1}.airbnb-stats .stat-num .star{color:var(--ink);margin-left:2px;font-size:16px}.airbnb-stats .stat-lbl{font-size:11px;color:var(--ink-mute);letter-spacing:.06em}@media (max-width: 720px){.airbnb-card{grid-template-columns:auto 1fr;row-gap:20px;padding:20px}.airbnb-stats{grid-column:1 / -1;justify-content:space-between}}a.airbnb-card{text-decoration:none;color:inherit;transition:border-color .15s,transform .15s}a.airbnb-card:hover{border-color:var(--ink)}a.airbnb-card:hover .airbnb-name{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:4px}.mobile-menu-toggle{display:none;background:transparent;border:0;cursor:pointer;padding:8px;width:44px;height:44px;flex-direction:column;align-items:center;justify-content:center;gap:5px;z-index:70}.mobile-menu-toggle span{display:block;width:22px;height:2px;background:var(--ink);border-radius:2px;transition:transform .25s ease,opacity .2s ease}body.mobile-menu-open .mobile-menu-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}body.mobile-menu-open .mobile-menu-toggle span:nth-child(2){opacity:0}body.mobile-menu-open .mobile-menu-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}.mobile-menu{position:fixed;inset:0;background:var(--bg);z-index:60;opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .25s ease,visibility 0s .25s,transform .25s ease;overflow-y:auto;padding-top:76px}body.mobile-menu-open .mobile-menu{opacity:1;visibility:visible;transform:translateY(0);transition:opacity .25s ease,visibility 0s,transform .25s ease}body.mobile-menu-open{overflow:hidden}.mobile-menu-inner{max-width:560px;margin:0 auto;padding:16px 24px 40px}.mobile-nav{list-style:none;padding:0;margin:0 0 28px}.mobile-section{border-bottom:1px solid var(--rule)}.mobile-section:first-child{border-top:1px solid var(--rule)}.mobile-section-btn{display:flex;justify-content:space-between;align-items:center;width:100%;background:transparent;border:0;padding:18px 4px;font-family:Fraunces,Georgia,serif;font-size:20px;font-weight:500;color:var(--ink);cursor:pointer;text-align:left}.mobile-section-btn svg{transition:transform .2s ease;opacity:.5}.mobile-section.open .mobile-section-btn svg{transform:rotate(180deg);opacity:1}.mobile-section-list{list-style:none;padding:0 0 18px 8px;margin:-4px 0 0;display:none}.mobile-section.open .mobile-section-list{display:block}.mobile-section-list li{margin:0}.mobile-section-list a{display:block;padding:10px 4px;font-size:15px;color:var(--ink-soft);text-decoration:none}.mobile-section-list a:hover,.mobile-section-list a:focus{color:var(--ink)}.mobile-link{display:block;padding:18px 4px;font-family:Fraunces,Georgia,serif;font-size:20px;font-weight:500;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--rule)}.mobile-link.mobile-lang{font-size:16px;color:var(--ink-soft)}.mobile-divider{display:none}.mobile-cta{width:100%;justify-content:center;padding:18px 28px;font-size:16px}@media (max-width: 900px){.mobile-menu-toggle{display:flex}.head-cta-desktop{display:none}}.quiz-form{background:var(--bg-warm);padding:36px 36px 32px;border-radius:4px;display:flex;flex-direction:column}.quiz-eyebrow{font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--ink-mute);font-weight:500;margin-bottom:12px}.quiz-heading{font-family:Fraunces,Georgia,serif;font-weight:400;font-size:28px;line-height:1.15;letter-spacing:-.01em;margin-bottom:8px;color:var(--ink)}.quiz-sub{font-size:14px;color:var(--ink-soft);margin-bottom:22px;line-height:1.5}.quiz-fields{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px;margin-bottom:18px}.quiz-field-full{grid-column:1 / -1}.quiz-field{display:flex;flex-direction:column;gap:4px}.quiz-field label{font-size:12px;color:var(--ink-soft);font-weight:500}.quiz-field select,.quiz-field input{font-family:inherit;font-size:14px;padding:9px 12px;border:1px solid var(--rule);border-radius:4px;background:var(--surface);color:var(--ink);width:100%}.quiz-field select:focus,.quiz-field input:focus{outline:none;border-color:var(--ink)}.quiz-cta{align-self:flex-start}@media (max-width: 480px){.quiz-fields{grid-template-columns:1fr}.quiz-form{padding:28px 24px 24px}}.quiz-checkboxes{display:grid;grid-template-columns:1fr 1fr;gap:8px 18px;margin-top:6px;padding:10px 12px;border:1px solid var(--rule);border-radius:4px;background:var(--surface)}.quiz-check{display:flex;align-items:center;gap:8px;font-size:14px;color:var(--ink);cursor:pointer;padding:4px 0;font-weight:400}.quiz-check input[type=checkbox]{width:16px;height:16px;cursor:pointer;accent-color:var(--ink);flex-shrink:0}.quiz-hint{font-weight:400;font-size:11px;color:var(--ink-soft);margin-left:4px;text-transform:none;letter-spacing:0}@media (max-width: 600px){.quiz-checkboxes{grid-template-columns:1fr;gap:6px}}.why-footnote{font-size:12px;color:var(--ink-mute);font-style:italic;margin-top:18px;padding-top:14px;border-top:1px solid var(--rule);line-height:1.5}.why-footnote sup{font-style:normal}.nocase{text-transform:none!important}.proof-num-link{color:inherit;text-decoration:none;transition:text-decoration .15s}.proof-num-link:hover{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:5px}.boc-widget{background:var(--surface);border-bottom:1px solid var(--rule);padding:16px 0}.boc-widget-grid{display:grid;grid-template-columns:1fr auto 1fr auto auto;align-items:center;column-gap:24px;row-gap:14px}.boc-row-rule{grid-column:1 / -1;border:0;border-top:1px solid var(--rule);margin:0;height:0}.boc-cell{display:flex;flex-direction:column;gap:2px}.boc-cell-label{font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-mute);font-weight:600}.boc-cell-value{font-family:Fraunces,Georgia,serif;font-size:25px;font-weight:500;color:var(--ink);line-height:1.1}.boc-cell-value .pct{font-size:18px;color:var(--ink-soft);margin-left:2px}.boc-divider{width:1px;height:28px;background:var(--rule)}.boc-source{font-size:12px;color:var(--ink-soft);text-decoration:underline;text-decoration-color:var(--rule);text-underline-offset:3px;transition:color .15s,text-decoration-color .15s}.boc-source:hover{color:var(--ink);text-decoration-color:var(--ink)}@media (max-width: 720px){.boc-widget-grid{grid-template-columns:1fr;column-gap:0;row-gap:12px}.boc-divider{display:none}.boc-source{width:100%;text-align:center;padding-top:8px;border-top:1px solid var(--rule)}}
