:root{--c-bg: #ffffff;--c-bg-raised: #f1f1f1;--c-bg-tint: #f8f9f9;--c-bg-deep: #000000;--c-ink: #000000;--c-ink-soft: #5c5c5c;--c-ink-inverse: #ffffff;--c-ink-inverse-soft: rgba(255, 255, 255, .7);--c-brand: #e85102;--c-brand-text: #bb4000;--c-brand-strong: #c10801;--c-brand-soft: rgba(232, 81, 2, .12);--c-accent: #000000;--c-accent-hover: #e85102;--c-accent-ink: #ffffff;--c-ok: #1e7a46;--c-warn: #b3541e;--c-danger: #c10801;--c-line: #dadada;--c-input-border: #c9c9c9;--grad-brand: linear-gradient(8deg, #000000 0%, #c10801 36%, #e85102 80%, #fa894d 100%);--font-display: "Bounded", "Arial Narrow", sans-serif;--font-body: "Onest", "Segoe UI", sans-serif;--fs-h1: clamp(1.55rem, .95rem + 3vw, 3.4rem);--fs-h2: clamp(1.35rem, 1rem + 1.6vw, 2.25rem);--fs-h3: clamp(1.1rem, 1rem + .6vw, 1.35rem);--fs-body: 1.0625rem;--fs-lead: clamp(1rem, .9rem + .5vw, 1.1rem);--fs-small: .875rem;--fs-label: .75rem;--fs-num: clamp(2.4rem, 1.6rem + 4vw, 4.5rem);--lh-tight: 1.22;--lh-body: 1.6;--radius-s: 5px;--radius-m: 8px;--radius-l: 16px;--radius-pill: 999px;--space-1: .25rem;--space-2: .5rem;--space-3: 1rem;--space-4: 1.5rem;--space-5: 2.5rem;--space-6: 4rem;--space-7: 6rem;--container: 1200px;--container-narrow: 780px;--shadow-card: none;--shadow-cta: none;--shadow-float: 0 16px 48px rgba(0, 0, 0, .18);--ease: ease-in-out;--t-fast: .2s;--t-med: .32s}@media(max-width:560px){:root{--fs-h1: clamp(1.3rem, .95rem + 2vw, 1.9rem);--fs-body: .9375rem;--fs-lead: .9375rem;--fs-h2: clamp(1.2rem, .95rem + 1.2vw, 1.5rem);--lh-body: 1.55}}.tool{background:var(--c-bg-raised);border-radius:var(--radius-l);padding:var(--space-5);max-width:720px}.tool__progress{height:6px;border-radius:var(--radius-pill);background:var(--c-brand-soft);overflow:hidden;margin-bottom:var(--space-4)}.tool__progress-fill{height:100%;background:var(--c-brand);border-radius:var(--radius-pill);transition:width .4s var(--ease)}.tool__step-label{font-size:var(--fs-label);text-transform:uppercase;letter-spacing:.06em;color:var(--c-ink-soft);margin-bottom:var(--space-2)}.tool__question{font-family:var(--font-display);font-size:clamp(1.3rem,1.1rem + 1vw,1.7rem);line-height:1.25;margin:0 0 var(--space-4);animation:tool-in .3s var(--ease)}.tool__hint{font-size:var(--fs-small);color:var(--c-ink-soft);margin:calc(-1 * var(--space-3)) 0 var(--space-4)}.tool__options{display:flex;flex-direction:column;gap:10px;animation:tool-in .3s var(--ease)}.tool__option{display:flex;align-items:center;gap:12px;position:relative;width:100%;text-align:left;background:var(--c-bg);border:1px solid var(--c-input-border);border-radius:var(--radius-m);padding:16px 46px 16px 16px;min-height:56px;font-size:1rem;transition:border-color var(--t-fast) var(--ease),background var(--t-fast) var(--ease),transform var(--t-fast) var(--ease)}.tool__option:before{content:"";flex:0 0 20px;height:20px;border:2px solid var(--c-input-border);border-radius:50%;transition:all var(--t-fast) var(--ease)}.tool__option:after{content:"→";position:absolute;right:16px;color:var(--c-brand);font-weight:600;opacity:0;transform:translate(-6px);transition:all var(--t-fast) var(--ease)}.tool__option:hover{border-color:var(--c-brand);transform:translate(4px)}.tool__option:hover:before{border-color:var(--c-brand);background:var(--c-brand);box-shadow:inset 0 0 0 4px var(--c-bg)}.tool__option:hover:after{opacity:1;transform:none}.tool__option--active{border-color:var(--c-brand);background:var(--c-brand-soft)}.tool__row{display:flex;gap:10px;flex-wrap:wrap}.tool__row .tool__option{flex:1;min-width:130px;text-align:center}.tool__field{margin-bottom:var(--space-3)}.tool__field label{display:block;font-size:var(--fs-small);font-weight:500;margin-bottom:6px}.tool__slider{width:100%;accent-color:var(--c-brand);height:40px}.tool__slider-value{font-family:var(--font-display);font-weight:700;font-size:1.6rem;color:var(--c-brand)}.tool__nav{display:flex;gap:10px;margin-top:var(--space-4)}.tool__back{background:transparent;border:1px solid var(--c-input-border);border-radius:var(--radius-m);padding:14px 20px;color:var(--c-ink-soft);min-height:48px}.tool__back:hover{border-color:var(--c-ink);color:var(--c-ink)}.tool__verdict{animation:tool-in .4s var(--ease)}.tool__verdict-head{display:flex;align-items:flex-end;justify-content:space-between;gap:var(--space-3);margin-bottom:var(--space-3)}.tool__verdict-head .tool__verdict-badge{margin-bottom:0}.tool__verdict-mascot{width:88px;height:auto;flex:none}.tool__nolead{background:var(--c-bg);border-radius:var(--radius-m);padding:var(--space-4)}.tool__nolead-title{margin:0 0 6px;font-weight:600}.tool__nolead-text{margin:0 0 var(--space-2);color:var(--c-ink-soft);font-size:var(--fs-small)}.tool__nolead-links{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:10px}.tool__nolead-links a{font-size:var(--fs-small);font-weight:600}@media(max-width:560px){.tool__verdict-mascot{width:60px}}.tool__verdict-badge{display:inline-block;font-size:var(--fs-label);text-transform:uppercase;letter-spacing:.06em;font-weight:600;padding:6px 12px;border-radius:var(--radius-s);margin-bottom:var(--space-3)}.tool__verdict-badge--ok{background:#1e7a461f;color:var(--c-ok)}.tool__verdict-badge--no{background:#c108011a;color:var(--c-danger)}.tool__verdict-badge--mid{background:var(--c-brand-soft);color:var(--c-brand)}.tool__verdict-title{font-family:var(--font-display);font-size:1.4rem;line-height:1.3;margin:0 0 var(--space-3)}.tool__verdict-text{color:var(--c-ink-soft);margin-bottom:var(--space-3)}.tool__verdict-list{margin:0 0 var(--space-4);padding:0;list-style:none;display:flex;flex-direction:column;gap:8px}.tool__verdict-list li{position:relative;padding:12px 14px 12px 40px;background:var(--c-bg);border-radius:var(--radius-s);font-size:var(--fs-small);border-left:3px solid var(--c-brand)}.tool__verdict-list li:before{content:"";position:absolute;left:14px;top:14px;width:15px;height:15px;background-color:var(--c-brand);-webkit-mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 60 60'><path d='M29.5 0C31.433 0 33 1.567 33 3.5V21.5508L46.2637 8.28711C47.6305 6.92027 49.8461 6.92027 51.2129 8.28711C52.5797 9.65395 52.5797 11.8695 51.2129 13.2363L38.4492 26H56.5C58.433 26 60 27.567 60 29.5C60 31.433 58.433 33 56.5 33H38.4492L51.2129 45.7637C52.5797 47.1305 52.5797 49.3461 51.2129 50.7129C49.8461 52.0797 47.6305 52.0797 46.2637 50.7129L33 37.4492V56.5C33 58.433 31.433 60 29.5 60C27.567 60 26 58.433 26 56.5V38.4492L13.7363 50.7129C12.3695 52.0797 10.1539 52.0797 8.78711 50.7129C7.42027 49.3461 7.42027 47.1305 8.78711 45.7637L21.5508 33H3.5C1.567 33 0 31.433 0 29.5C0 27.567 1.567 26 3.5 26H21.5508L8.78711 13.2363C7.42029 11.8695 7.42033 9.65395 8.78711 8.28711C10.1539 6.92027 12.3695 6.92027 13.7363 8.28711L26 20.5508V3.5C26 1.567 27.567 0 29.5 0Z'/></svg>") center / contain no-repeat;mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 60 60'><path d='M29.5 0C31.433 0 33 1.567 33 3.5V21.5508L46.2637 8.28711C47.6305 6.92027 49.8461 6.92027 51.2129 8.28711C52.5797 9.65395 52.5797 11.8695 51.2129 13.2363L38.4492 26H56.5C58.433 26 60 27.567 60 29.5C60 31.433 58.433 33 56.5 33H38.4492L51.2129 45.7637C52.5797 47.1305 52.5797 49.3461 51.2129 50.7129C49.8461 52.0797 47.6305 52.0797 46.2637 50.7129L33 37.4492V56.5C33 58.433 31.433 60 29.5 60C27.567 60 26 58.433 26 56.5V38.4492L13.7363 50.7129C12.3695 52.0797 10.1539 52.0797 8.78711 50.7129C7.42027 49.3461 7.42027 47.1305 8.78711 45.7637L21.5508 33H3.5C1.567 33 0 31.433 0 29.5C0 27.567 1.567 26 3.5 26H21.5508L8.78711 13.2363C7.42029 11.8695 7.42033 9.65395 8.78711 8.28711C10.1539 6.92027 12.3695 6.92027 13.7363 8.28711L26 20.5508V3.5C26 1.567 27.567 0 29.5 0Z'/></svg>") center / contain no-repeat;animation:spark-spin 5s linear infinite}@media(prefers-reduced-motion:reduce){.tool__verdict-list li:before{animation:none}}.tool__result-table{width:100%;font-size:var(--fs-small);margin-bottom:var(--space-4)}.tool__result-table td{padding:10px 8px;border-bottom:1px solid var(--c-line)}.tool__result-table td:last-child{text-align:right;font-weight:600;white-space:nowrap}.tool__result-table tr:last-child td{border-bottom:none;font-family:var(--font-display);font-size:1.05rem;color:var(--c-brand)}.tool__big-num{font-family:var(--font-display);font-weight:700;font-size:clamp(2rem,1.5rem + 2.5vw,3rem);color:var(--c-brand);line-height:1.1;margin-bottom:var(--space-2);animation:tool-pop .5s var(--ease)}.tool__restart{background:none;border:none;color:var(--c-ink-soft);text-decoration:underline;padding:10px 0;font-size:var(--fs-small)}.tool__cta-note{font-size:.8125rem;color:var(--c-ink-soft);margin-top:var(--space-2)}.tool__form{display:flex;flex-direction:column;gap:12px;animation:tool-in .3s var(--ease)}.tool__consent{display:flex;gap:10px;align-items:flex-start;font-size:var(--fs-small);color:var(--c-ink-soft);cursor:pointer}.tool__consent input{width:18px;height:18px;margin-top:2px;accent-color:var(--c-brand)}.tool__proof{display:flex;gap:12px;align-items:center}.tool__proof-ava{flex:0 0 44px;height:44px;border-radius:50%;object-fit:cover}.tool__proof-text{margin:0;font-size:.8125rem;color:var(--c-ink-soft)}.tool__call{margin:var(--space-3) 0 0;padding-top:var(--space-3);border-top:1px solid var(--c-line);font-size:var(--fs-small);color:var(--c-ink-soft)}.tool__call-link{font-size:1.125rem;font-weight:700;color:var(--c-brand);white-space:nowrap}.tool__call-hours{display:block;margin-top:2px;font-size:.8125rem}.tool__form-error{padding:10px 12px;margin-bottom:10px;border:1px solid #e5484d;border-radius:var(--radius-s);font-size:var(--fs-small);color:var(--c-ink)}.tool__form-done{margin:0;padding:var(--space-3);border-radius:var(--radius-m);background:#1e7a461f;color:var(--c-ink);animation:tool-in .3s var(--ease)}.tool__form-done p{margin:0}.tool__form-done .tool__done-msgr-note{margin-top:10px;font-size:var(--fs-small);color:var(--c-ink-soft)}.tool__done-msgr{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:8px 0 0;padding:0}.tool__done-msgr a{display:inline-flex;align-items:center;gap:7px;padding:9px 14px;border:1px solid var(--c-line);border-radius:var(--radius-pill);text-decoration:none;color:var(--c-ink);font-size:var(--fs-small);font-weight:500;transition:border-color var(--t-fast) var(--ease),color var(--t-fast) var(--ease)}.tool__done-msgr a:hover{border-color:var(--c-brand);color:var(--c-brand)}.tool__done-msgr img{border-radius:4px}@keyframes tool-in{0%{opacity:0;transform:translateY(12px)}}@keyframes tool-pop{0%{opacity:0;transform:scale(.92)}60%{transform:scale(1.03)}to{opacity:1;transform:scale(1)}}@media(max-width:600px){.tool{padding:var(--space-4)}}.tool--wide,.tool-embed--full .tool{max-width:none;width:100%}.pmc__grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.15fr);gap:var(--space-5);align-items:start}.pmc__field-label{display:block;font-size:var(--fs-small);font-weight:500;margin-bottom:6px}.pmc__segment{display:flex;border:1px solid var(--c-input-border);border-radius:var(--radius-m);overflow:hidden;background:var(--c-bg)}.pmc__segment button{flex:1;min-height:48px;padding:12px 8px;font-size:1rem;background:transparent;border:none;color:var(--c-ink);transition:background var(--t-fast) var(--ease),color var(--t-fast) var(--ease)}.pmc__segment button+button{border-left:1px solid var(--c-input-border)}.pmc__segment button:hover[aria-pressed=false]{color:var(--c-brand)}.pmc__segment button[aria-pressed=true]{background:var(--c-accent);color:var(--c-accent-ink);font-weight:600}.pmc__stepper{display:inline-flex;align-items:center;border:1px solid var(--c-input-border);border-radius:var(--radius-m);background:var(--c-bg)}.pmc__stepper button{width:48px;height:48px;font-size:1.5rem;line-height:1;background:transparent;border:none;color:var(--c-ink);transition:color var(--t-fast) var(--ease)}.pmc__stepper button:hover:not(:disabled){color:var(--c-brand)}.pmc__stepper button:disabled{color:#949494}.pmc__stepper-val{min-width:56px;text-align:center;font-family:var(--font-display);font-weight:700;font-size:1.2rem}.pmc__money{font-family:var(--font-display);font-weight:700;font-size:1.2rem;margin-bottom:8px}.pmc__result{background:var(--c-bg);border-radius:var(--radius-m);border-top:4px solid var(--c-brand);padding:var(--space-4)}.pmc__result-label{font-size:var(--fs-label);text-transform:uppercase;letter-spacing:.06em;color:var(--c-ink-soft);margin:0 0 4px}.pmc__keep{font-family:var(--font-display);font-weight:700;font-size:clamp(1.9rem,1.4rem + 1.8vw,2.7rem);line-height:1.1;color:var(--c-brand);margin:0 0 var(--space-3);white-space:nowrap}.pmc__keep-per{font-size:.45em;font-weight:600;color:var(--c-ink-soft);margin-left:4px}.pmc__rows{margin:0 0 var(--space-3)}.pmc__row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:9px 0;border-bottom:1px solid var(--c-line);font-size:var(--fs-small)}.pmc__row dt{margin:0;color:var(--c-ink-soft)}@media(max-width:560px){.tool--wide{padding:0;background:none;border-radius:0}.pmc__result{padding:var(--space-3)}.pmc__row{padding:8px 0;font-size:.8125rem;gap:10px}.pmc__rows{margin-bottom:var(--space-2)}.cc__hint{font-size:.75rem;padding:10px 12px}}.pmc__row dd{margin:0;font-weight:600;white-space:nowrap}.pmc__row--total{border-bottom:none}.pmc__row--total dt{color:var(--c-ink);font-weight:600}.pmc__row--total dd{font-family:var(--font-display);font-size:1.05rem;color:var(--c-brand-text)}.pmc__mass{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:10px 12px;border-radius:var(--radius-s);background:#c1080114;font-size:var(--fs-small);margin:0 0 var(--space-3)}.pmc__mass strong{color:var(--c-danger);white-space:nowrap}.pmc__allkept{padding:10px 12px;border-radius:var(--radius-s);background:#1e7a461f;color:var(--c-ok);font-weight:500;font-size:var(--fs-small);margin:0 0 var(--space-3)}.pmc__note{font-size:.8125rem;color:var(--c-ink-soft);margin:0 0 var(--space-3)}.pmc__basis{font-size:.8125rem;color:var(--c-ink-soft);line-height:1.5;margin:-6px 0 var(--space-3)}.pmc__basis span{display:block}.pmc__check{display:flex;align-items:flex-start;gap:10px;margin-top:10px;font-size:var(--fs-small);cursor:pointer}.pmc__check input{margin-top:3px;flex:0 0 auto}.pmc__check em{display:block;font-style:normal;font-size:.75rem;color:var(--c-ink-soft);margin-top:2px}.pmc__compare{border:1px solid var(--c-input-border);border-radius:var(--radius-s);padding:12px 14px 2px;margin:0 0 var(--space-3)}.pmc__compare-title{margin:0 0 6px;font-size:var(--fs-label);text-transform:uppercase;letter-spacing:.05em;font-weight:600;color:var(--c-ink-soft)}.pmc__compare .pmc__rows{margin-bottom:10px}.pmc__compare-note{font-size:.75rem;color:var(--c-ink-soft);line-height:1.55;margin:0 0 12px}.pmc__horizon{padding:10px 12px;border-radius:var(--radius-s);background:var(--c-bg-tint);font-size:var(--fs-small);line-height:1.55;margin:0 0 var(--space-3)}.pmc__how{margin:0 0 var(--space-3)}.pmc__how summary{cursor:pointer;font-weight:600;font-size:var(--fs-small);color:var(--c-brand-text);padding:8px 0}.pmc__how p{font-size:.8125rem;color:var(--c-ink-soft);line-height:1.65;margin:0 0 10px}@media(max-width:860px){.pmc__grid{grid-template-columns:minmax(0,1fr);gap:var(--space-4)}.pmc .pmc__result{order:-1}}.pmc{container-type:inline-size}@container (max-width: 760px){.pmc__grid{grid-template-columns:minmax(0,1fr);gap:var(--space-4)}.pmc__result{order:-1}}@supports not (container-type: inline-size){.art__tool .pmc__grid{grid-template-columns:minmax(0,1fr);gap:var(--space-4)}.art__tool .pmc__result{order:-1}}.cc{container-type:inline-size}@container (max-width: 700px){.cc .pmc__grid{grid-template-columns:minmax(0,1fr);gap:var(--space-4)}}@supports not (container-type: inline-size){.cc .pmc__grid{grid-template-columns:minmax(0,1fr);gap:var(--space-4)}}.pmc__inputs,.pmc__result,.tool__field{min-width:0}.tool select.input,.tool input.input{max-width:100%;min-width:0}.cc__terms{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}.cc__term{padding:9px 8px;border:1px solid var(--c-line);border-radius:var(--radius-s);background:var(--c-bg);color:var(--c-ink);font-size:var(--fs-small);cursor:pointer;transition:border-color var(--t-fast) var(--ease),background var(--t-fast) var(--ease)}@media(pointer:coarse){.cc__term{min-height:44px}}.cc__term:hover{border-color:var(--c-brand)}.cc__term--on{border-color:var(--c-brand);background:var(--c-brand-soft);font-weight:600}.cc__check{display:flex;gap:10px;align-items:flex-start;font-size:var(--fs-small);color:var(--c-ink-soft);cursor:pointer;margin-bottom:var(--space-3)}.cc__check input{width:18px;height:18px;margin-top:2px;accent-color:var(--c-brand)}.cc__sched-note{color:var(--c-ink-soft);font-size:var(--fs-small)}.cc__sched-title{font-weight:600;color:var(--c-ink);margin:var(--space-3) 0 8px;list-style:none}button.cc__sched-title{display:none}@media(max-width:560px){button.cc__sched-title{display:flex;align-items:center;justify-content:space-between;width:100%;min-height:44px;padding:0;border:none;background:none;font:inherit;font-weight:600;text-align:left;color:var(--c-brand-text);cursor:pointer}button.cc__sched-title:after{content:"";flex:none;width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translate(-2px,-2px);transition:transform var(--t-fast) var(--ease)}.cc__sched-wrap.is-open button.cc__sched-title:after{transform:rotate(-135deg)}.cc__sched-wrap:not(.is-open) 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