:root{--bg:#f5f7fb;--ink:#102033;--muted:#617083;--line:#dbe3ec;--card:#fff;--navy:#102a43;--blue:#1769aa;--cyan:#e7f5ff;--green:#0f7b60;--amber:#9a6400;--shadow:0 18px 55px rgba(20,42,67,.09);--r:20px;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.55 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}button,input,select{font:inherit}.wrap{width:min(var(--max),calc(100% - 36px));margin:auto}.topbar{background:#0b1f33;color:#dce9f6;font-size:13px;padding:8px 0}.topbar .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.nav{height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:11px;color:var(--navy);font-weight:800;font-size:21px;letter-spacing:-.02em}.brand:hover{text-decoration:none}.mark{width:36px;height:36px;border-radius:11px;background:linear-gradient(145deg,#123b63,#1b78bd);display:grid;place-items:center;box-shadow:inset 0 0 0 1px rgba(255,255,255,.18)}.mark svg{width:22px}.navlinks{display:flex;gap:22px;font-size:14px;font-weight:650}.navlinks a{color:#29445e}.hero{padding:70px 0 42px;background:radial-gradient(circle at 78% 20%,rgba(23,105,170,.14),transparent 28%),linear-gradient(180deg,#fff 0,#f5f7fb 100%)}.eyebrow{display:inline-flex;gap:8px;align-items:center;background:#e9f4fd;color:#145a8d;border:1px solid #cfe7f8;border-radius:999px;padding:7px 11px;font-size:13px;font-weight:750}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:45px;align-items:center}.hero h1{font-size:clamp(38px,5vw,66px);line-height:1.02;letter-spacing:-.045em;margin:18px 0}.hero p{font-size:19px;color:var(--muted);max-width:720px}.hero-visual{min-height:355px;border:1px solid var(--line);border-radius:30px;background:linear-gradient(145deg,#0f2d49,#153d60);position:relative;overflow:hidden;box-shadow:var(--shadow)}.hero-visual:before,.hero-visual:after{content:"";position:absolute;border:1px solid rgba(255,255,255,.12);border-radius:50%}.hero-visual:before{width:330px;height:330px;right:-70px;top:-75px}.hero-visual:after{width:250px;height:250px;left:-80px;bottom:-110px}.route{position:absolute;inset:38px;display:flex;flex-direction:column;justify-content:space-between;color:#fff}.route-line{height:2px;background:linear-gradient(90deg,#74c5f4,rgba(255,255,255,.18));position:relative}.route-line:before,.route-line:after{content:"";position:absolute;top:50%;width:13px;height:13px;border-radius:50%;background:#fff;transform:translateY(-50%);box-shadow:0 0 0 7px rgba(255,255,255,.11)}.route-line:before{left:0}.route-line:after{right:0}.route-row{display:flex;justify-content:space-between;gap:20px}.metric{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:17px;backdrop-filter:blur(8px)}.metric b{display:block;font-size:28px}.metric span{font-size:12px;color:#c8dcef}.section{padding:56px 0}.section h2{font-size:34px;letter-spacing:-.03em;margin:0 0 10px}.lead{color:var(--muted);max-width:780px;margin:0 0 28px}.tool-shell{display:grid;grid-template-columns:1.05fr .95fr;gap:24px}.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:0 10px 30px rgba(25,52,79,.05)}.panel h3{margin:0 0 5px;font-size:20px}.panel-sub{color:var(--muted);font-size:14px;margin-bottom:22px}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field{margin-bottom:15px}.field label{display:flex;justify-content:space-between;gap:8px;font-size:13px;font-weight:750;margin-bottom:7px;color:#334d66}.field input,.field select{width:100%;border:1px solid #ccd8e5;background:#fff;border-radius:12px;padding:12px 13px;color:var(--ink);outline:none}.field input:focus,.field select:focus{border-color:#4d9bd2;box-shadow:0 0 0 3px rgba(23,105,170,.11)}.hint{font-size:12px;color:#7b8998}.btn{border:0;border-radius:12px;padding:12px 16px;font-weight:750;cursor:pointer}.btn-primary{background:#145f98;color:#fff}.btn-secondary{background:#edf3f8;color:#29445e}.btnrow{display:flex;gap:10px;flex-wrap:wrap}.searchbox{display:flex;gap:9px}.searchbox input{flex:1}.search-results{margin-top:10px;display:grid;gap:8px}.search-result{border:1px solid var(--line);background:#f9fbfd;border-radius:12px;padding:11px;text-align:left;cursor:pointer}.search-result b{display:block;font-size:13px}.search-result span{color:var(--muted);font-size:12px}.status{font-size:13px;margin-top:8px;color:var(--muted)}.status.good{color:var(--green)}.status.warn{color:var(--amber)}.result-hero{border-radius:18px;padding:24px;background:linear-gradient(145deg,#0f2c47,#153d60);color:#fff;margin-bottom:18px}.result-hero small{color:#bdd4e8;text-transform:uppercase;letter-spacing:.1em;font-weight:700}.result-total{font-size:43px;line-height:1.05;font-weight:850;letter-spacing:-.03em;margin:8px 0}.breakdown{display:grid;gap:0;border:1px solid var(--line);border-radius:14px;overflow:hidden}.row{display:flex;justify-content:space-between;gap:16px;padding:11px 13px;background:#fff;border-bottom:1px solid var(--line);font-size:14px}.row:last-child{border-bottom:0}.row strong{font-variant-numeric:tabular-nums}.notice{border-left:4px solid #2a79b5;background:#eef7fd;border-radius:10px;padding:13px 15px;font-size:13px;color:#365a77;margin-top:16px}.notice.warn{border-left-color:#bf7e00;background:#fff7e5;color:#6b500f}.official-card{margin-top:18px;border:1px solid var(--line);border-radius:14px;padding:15px;background:#fbfcfe}.official-card h4{margin:0 0 7px}.rate-pills{display:flex;gap:7px;flex-wrap:wrap}.rate-pill{border:1px solid #c8dae8;background:#f4f9fd;border-radius:999px;padding:7px 10px;font-size:12px;cursor:pointer}.features{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.feature{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px}.feature .ico{width:42px;height:42px;border-radius:12px;background:#eaf5fc;display:grid;place-items:center;margin-bottom:16px;color:#16669f}.feature h3{margin:0 0 7px}.feature p{color:var(--muted);margin:0;font-size:14px}.content-grid{display:grid;grid-template-columns:1fr 310px;gap:28px}.article{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px}.article h1{font-size:40px;line-height:1.08;letter-spacing:-.035em}.article h2{font-size:26px;margin-top:32px}.article h3{font-size:19px;margin-top:24px}.article p,.article li{color:#4f6173}.article table{width:100%;border-collapse:collapse;margin:18px 0}.article th,.article td{padding:10px;border-bottom:1px solid var(--line);text-align:left;font-size:14px}.toc{position:sticky;top:95px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;height:max-content}.toc b{display:block;margin-bottom:10px}.toc a{display:block;padding:6px 0;font-size:13px;color:#53697e}.cluster{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.cluster a{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px;color:#254765;font-weight:700}.footer{background:#0c2136;color:#c8d8e7;padding:44px 0 28px;margin-top:45px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.footer a{color:#d8eaf8}.footer small{color:#9bb0c3}.legal{border-top:1px solid rgba(255,255,255,.13);padding-top:18px;margin-top:28px;font-size:12px;color:#9bb0c3}.mobile-menu{display:none}.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(1px,1px,1px,1px)}
@media(max-width:900px){.hero-grid,.tool-shell,.content-grid{grid-template-columns:1fr}.hero-visual{min-height:280px}.features,.cluster{grid-template-columns:1fr 1fr}.toc{position:static}.navlinks{display:none}.mobile-menu{display:block}.footer-grid{grid-template-columns:1fr 1fr}.hero{padding-top:48px}}
@media(max-width:600px){.wrap{width:min(100% - 22px,var(--max))}.grid2,.features,.cluster,.footer-grid{grid-template-columns:1fr}.panel{padding:18px}.hero h1{font-size:40px}.hero-visual{min-height:245px}.route{inset:24px}.metric b{font-size:23px}.section{padding:42px 0}.article{padding:22px}.article h1{font-size:32px}.nav{height:64px}}
.search-group-label{margin:10px 2px 2px;font-size:11px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:#6a7d90}.search-result-link{display:block;text-decoration:none}.search-result-link:hover{background:#f1f7fb;text-decoration:none}

.origin-note{margin-top:6px;line-height:1.35}.preference-card{margin:2px 0 16px;border:1px solid #b7dccf;background:#f0fbf7;border-radius:14px;padding:14px 15px;color:#275c4c}.preference-card strong{display:block;color:#145a45;margin:2px 0 5px}.preference-card p{margin:0 0 11px;font-size:13px;line-height:1.45}.preference-kicker{font-size:11px;text-transform:uppercase;letter-spacing:.07em;font-weight:800;color:#43816e}.btn-small{padding:8px 11px;font-size:12px}.rate-pill-preference{border-color:#9dcfbe;background:#edf9f5;color:#145a45;font-weight:750}

/* v1.5 origin-filtered preference engine */
.decision-text{max-width:58%;text-align:right;font-weight:650;font-size:12px;line-height:1.35}.preference-card .rate-pill{margin-top:4px}@media(max-width:720px){.decision-text{max-width:55%;font-size:11px}.row{align-items:flex-start}}

.rate-pill-conditional:disabled{cursor:not-allowed;opacity:.72;border-style:dashed;background:#fff8e8;color:#70540d}

/* v1.6 accuracy controls */
.notice.good{border-left-color:#16845b;background:#eefaf5;color:#245f4b}.checkbox-field{display:flex;flex-direction:column;justify-content:flex-end}.field .checkline{display:flex;justify-content:flex-start;align-items:center;gap:9px;min-height:45px;border:1px solid #ccd8e5;background:#fff;border-radius:12px;padding:10px 12px;margin-bottom:6px;cursor:pointer}.field .checkline input{width:auto;margin:0;accent-color:#145f98}.field input:disabled{background:#eef2f5;color:#6d7d8b;cursor:not-allowed}.decision-text{max-width:60%;text-align:right;font-weight:700}.low-value-note{margin-top:8px}