:root{--navy:#092442;--navy2:#0d3158;--gold:#d5ad58;--gold2:#b88a31;--ink:#18283c;--muted:#647287;--line:#e3e9ef;--soft:#f5f7fa;--white:#fff}
.eotc{font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}.eotc *{box-sizing:border-box}.eotc-wrap{width:min(1160px,calc(100% - 40px));margin:auto}.eotc a{text-decoration:none}.eotc-nav{position:sticky;top:0;z-index:99;background:#fff;border-bottom:1px solid var(--line)}.eotc-navin{width:min(1220px,calc(100% - 32px));margin:auto;min-height:76px;display:flex;align-items:center;gap:24px}.eotc-brand{font-weight:900;letter-spacing:.08em;color:var(--navy);white-space:nowrap}.eotc-brand span{color:var(--gold);font-size:22px}.eotc-nav nav{display:flex;gap:18px;margin-left:auto}.eotc-nav nav a,.eotc-signin{font-size:13px;font-weight:700;color:#34465c}.eotc-actions{display:flex;gap:12px;align-items:center}.eotc-btn{display:inline-block;padding:12px 18px;border-radius:7px;font-size:12px;font-weight:900;letter-spacing:.03em}.gold{background:var(--gold);color:var(--navy)}.outline{border:1px solid #aab7c5;color:var(--navy)}.light{background:#fff;color:var(--navy)}.eotc-crumb{border-bottom:1px solid var(--line);padding:12px 0;font-size:12px;color:var(--muted)}.eotc-crumb a{color:var(--navy)}
.eotc-hero{padding:76px 0;background:linear-gradient(135deg,#f7f9fc 0%,#fff 58%,#edf3f8 100%)}.hero-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:55px;align-items:center}.eyebrow,.mini,.result-kicker{font-size:11px;font-weight:900;letter-spacing:.16em;color:var(--gold2)}.eotc h1,.eotc h2,.eotc-final h2{font-family:Georgia,serif;color:var(--navy)}.eotc h1{font-size:54px;line-height:1.05;margin:12px 0 18px}.hero-lead{font-size:19px;color:#506075;max-width:760px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.answer-card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);padding:28px;border-radius:12px}.answer-card h2{font-size:25px;line-height:1.2}.answer-card p{font-size:14px;color:#526176}.answer-card small{color:#78869a}
.eotc-jump{border-bottom:1px solid var(--line);background:#fff}.jump-grid{display:grid;grid-template-columns:repeat(5,1fr)}.jump-grid a{padding:22px 14px;display:flex;gap:11px;align-items:center;color:#44546a;border-right:1px solid var(--line);font-size:12px}.jump-grid a:first-child{border-left:1px solid var(--line)}.jump-grid b{color:var(--gold2);font-size:12px}.jump-grid span{font-weight:800;line-height:1.25}
.eotc-section{padding:78px 0}.soft{background:var(--soft)}.section-head{max-width:800px;margin-bottom:34px}.section-head h2{font-size:38px;line-height:1.15;margin:8px 0 12px}.section-head p{color:var(--muted);font-size:17px}.cards{display:grid;gap:18px}.cards.four{grid-template-columns:repeat(4,1fr)}.cards article{border:1px solid var(--line);border-radius:10px;padding:25px;background:#fff}.cards .num{font-size:11px;font-weight:900;color:var(--gold2)}.cards h3{color:var(--navy);font-size:18px}.cards p{color:var(--muted);font-size:14px}.trust-note{margin-top:22px;padding:18px 20px;border-left:4px solid var(--gold);background:#fff9ed;color:#58677a}
.calc-shell{display:grid;grid-template-columns:1.25fr .75fr;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden}.calc-inputs,.calc-results{padding:32px}.calc-inputs h3{margin-top:0;color:var(--navy)}.calc-results{background:var(--navy);color:#fff}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.form-grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}.eotc label{font-size:12px;font-weight:800;color:#43546b;display:flex;flex-direction:column;gap:6px}.eotc input,.eotc select{width:100%;min-height:46px;border:1px solid #ccd5df;border-radius:7px;padding:10px 12px;background:#fff;color:#16273c;font-size:16px}.eotc input:focus,.eotc select:focus{outline:2px solid var(--gold);outline-offset:1px}.metric{padding:24px 0;border-bottom:1px solid rgba(255,255,255,.14)}.metric small,.result-grid small{display:block;color:#c9d5e2;font-size:11px;text-transform:uppercase;letter-spacing:.08em}.metric strong{display:block;font-family:Georgia,serif;font-size:42px;color:#fff;margin-top:4px}.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:22px}.result-grid div{padding:15px;background:rgba(255,255,255,.07);border-radius:8px}.result-grid .wide{grid-column:1/-1}.result-grid b{font-size:21px;color:#fff}.calc-disclosure{font-size:11px;color:#b9c6d5;margin-top:22px}
.navy{background:linear-gradient(145deg,#061b34,#0c3159);color:#fff}.light-head h2{color:#fff}.light-head p{color:#cfdae6}.be-shell{background:#fff;color:var(--ink);border-radius:16px;overflow:hidden}.be-controls{padding:32px}.scenario-bar{display:flex;justify-content:space-between;gap:20px;align-items:center;padding-bottom:25px;border-bottom:1px solid var(--line)}.scenario-bar h3{margin:4px 0;color:var(--navy)}.scenario-buttons{display:flex;gap:7px;flex-wrap:wrap}.scenario-buttons button{border:1px solid #ccd5df;background:#fff;color:#42536a;border-radius:6px;padding:10px 12px;font-weight:800;cursor:pointer}.scenario-buttons button.active{background:var(--navy);color:#fff;border-color:var(--navy)}.be-groups{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:25px}.be-groups fieldset{border:1px solid var(--line);border-radius:10px;padding:20px;min-width:0}.be-groups legend{padding:0 8px;font-weight:900;color:var(--navy);font-size:14px}.be-groups .assumptions{grid-column:1/-1}.assumptions p,.food-note{font-size:12px;color:var(--muted)}.food-note{background:#fff9ed;padding:12px;border-radius:7px;margin-bottom:14px}.errors{margin-top:18px;background:#fff1f1;color:#8b2222;padding:14px;border-radius:7px}
.be-results{background:#f5f7fa;padding:32px}.headline-card{background:#fff;border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:10px;padding:24px}.headline-card h3{font-family:Georgia,serif;color:var(--navy);font-size:29px;margin:6px 0}.headline-card p{color:var(--muted);margin:0}.big-metrics{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:18px 0}.big-metrics div{background:#fff;border:1px solid var(--line);border-radius:9px;padding:18px;min-width:0}.big-metrics small{display:block;color:var(--muted);font-size:10px;text-transform:uppercase;font-weight:900}.big-metrics strong{display:block;color:var(--navy);font-size:24px;margin-top:4px;overflow-wrap:anywhere}.big-metrics span{display:block;font-size:11px;color:var(--muted);margin-top:3px}.chart-card,.table-card,.scenario-card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px;margin-top:18px}.chart-title{display:flex;justify-content:space-between;gap:15px;align-items:end}.chart-title h3,.table-card h3,.scenario-card h3{margin:0;color:var(--navy)}.chart-title span{font-size:12px;color:var(--muted)}.chart-wrap{width:100%;overflow:hidden;margin-top:12px}.chart-wrap svg{width:100%;height:auto;display:block}.chart-legend{display:flex;justify-content:center;gap:24px;font-size:12px;color:var(--muted)}.chart-legend i{display:inline-block;width:20px;height:3px;vertical-align:middle;margin-right:6px}.owner-line{background:#0d3158}.rent-line{background:#b88a31}.table-scroll{overflow-x:auto;margin-top:14px}.eotc table{width:100%;border-collapse:collapse;min-width:680px}.eotc th,.eotc td{text-align:left;padding:12px 10px;border-bottom:1px solid var(--line);font-size:12px}.eotc th{color:#66758a;font-size:10px;text-transform:uppercase;letter-spacing:.05em}.robustness,.method-note{margin-top:18px;padding:16px;background:#eef3f7;border-radius:8px;color:#526176;font-size:13px}.method-note{background:#fff;border:1px solid var(--line)}
.benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.benefit-grid article{border:1px solid var(--line);border-radius:10px;padding:25px}.benefit-grid .icon{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;background:#f7f0df;color:var(--gold2);font-weight:900}.benefit-grid h3{color:var(--navy)}.benefit-grid ul{padding-left:18px;color:var(--muted);font-size:14px}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:60px}.two-col h2{font-size:30px}.check-list{padding:0;list-style:none}.check-list li{padding:11px 0 11px 28px;border-bottom:1px solid var(--line);position:relative}.check-list li:before{content:"✓";position:absolute;left:0;color:var(--gold2);font-weight:900}.neutral li:before{content:"•";color:#6f7e91}.article{max-width:900px}.article h3{color:var(--navy);font-size:22px;margin-top:32px}.article p{color:#536278}.faq details{max-width:900px;border-bottom:1px solid var(--line);padding:17px 0}.faq summary{cursor:pointer;font-weight:900;color:var(--navy)}.faq details p{color:var(--muted)}.sources{background:#fbfcfd}.source-links{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.source-links a{border:1px solid var(--line);background:#fff;border-radius:9px;padding:18px;color:var(--navy)}.source-links span{display:block;color:var(--muted);font-size:12px;margin-top:6px}
.eotc-final{padding:70px 0;text-align:center;background:linear-gradient(145deg,#061b34,#0c3159);color:#fff}.eotc-final h2{color:#fff;font-size:39px;max-width:850px;margin:10px auto}.eotc-final p{color:#cfdae6}.eotc-final .eotc-btn{margin:12px 5px 0}.eotc-footer{background:#05172d;color:#cbd6e2;padding:48px 0 24px}.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}.eotc-footer b{display:block;color:#fff;font-size:11px;margin-bottom:10px}.eotc-footer a:not(.eotc-brand){display:block;color:#cbd6e2;font-size:12px;margin:7px 0}.eotc-footer p{font-size:12px}.copyright{border-top:1px solid rgba(255,255,255,.1);margin-top:28px;padding-top:18px;font-size:11px}.eotc-mobile-cta{display:none}
@media(max-width:1000px){.eotc-nav nav{display:none}.hero-grid,.calc-shell{grid-template-columns:1fr}.cards.four{grid-template-columns:1fr 1fr}.jump-grid{grid-template-columns:repeat(3,1fr)}.be-groups{grid-template-columns:1fr}.be-groups .assumptions{grid-column:auto}.big-metrics{grid-template-columns:1fr 1fr}.benefit-grid{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.eotc-wrap{width:min(100% - 26px,1160px)}.eotc-navin{min-height:66px}.eotc-signin{display:none}.eotc-brand{font-size:12px}.eotc-hero{padding:48px 0}.eotc h1{font-size:39px}.hero-lead{font-size:16px}.eotc-section{padding:52px 0}.section-head h2{font-size:31px}.jump-grid{grid-template-columns:1fr 1fr}.jump-grid a{border-bottom:1px solid var(--line)}.cards.four,.benefit-grid,.two-col,.source-links{grid-template-columns:1fr}.form-grid,.form-grid.three{grid-template-columns:1fr}.calc-inputs,.calc-results,.be-controls,.be-results{padding:20px}.scenario-bar{align-items:flex-start;flex-direction:column}.scenario-buttons{width:100%}.scenario-buttons button{flex:1 1 45%;min-height:44px}.big-metrics{grid-template-columns:1fr 1fr}.headline-card h3{font-size:24px}.chart-title{align-items:flex-start;flex-direction:column}.foot-grid{grid-template-columns:1fr 1fr}.eotc-mobile-cta{display:block;position:sticky;bottom:0;z-index:100;background:var(--gold);text-align:center;padding:11px}.eotc-mobile-cta a{color:var(--navy);font-weight:900;font-size:12px}}
@media(max-width:430px){.big-metrics{grid-template-columns:1fr}.jump-grid{grid-template-columns:1fr 1fr}.foot-grid{grid-template-columns:1fr}.eotc-actions .eotc-btn{padding:9px 10px}.eotc h1{font-size:35px}}