.hcc{--ink:#242237;--muted:#696778;--coral:#f66c60;--line:#e9e7ee;max-width:1320px;margin:0 auto;padding:24px 28px 64px;color:var(--ink);font-family:inherit;line-height:1.6}.hcc *{box-sizing:border-box}.hcc [hidden]{display:none!important}.hcc a{color:inherit}.hcc h1,.hcc h2,.hcc h3,.hcc p{margin:0}.hcc h1{font-size:clamp(36px,4.6vw,66px);line-height:1.05;letter-spacing:-.045em;font-weight:800}.hcc h2{font-size:clamp(25px,3vw,39px);line-height:1.17;letter-spacing:-.035em;margin:10px 0 18px}.hcc h3{font-size:22px;line-height:1.25;letter-spacing:-.02em}.hcc p+p{margin-top:14px}.hcc-crumbs{display:flex;gap:10px;flex-wrap:wrap;font-size:13px;color:var(--muted);margin-bottom:24px}.hcc-crumbs a{text-decoration:none}.hcc-hero{background:radial-gradient(ellipse at 94% 20%,#7382ab 0,transparent 52%),linear-gradient(114deg,#ffbd98 0,#eea29e 30%,#735478 61%,#343658 100%);border-radius:32px;padding:54px;display:grid;grid-template-columns:1.5fr 1fr;gap:50px;overflow:hidden;position:relative}.hcc-hero>div{min-width:0}.hcc-hero h1{margin:19px 0 22px;max-width:820px}.hcc-hero h1 em{font-style:normal;color:#fff}.hcc-hero p{font-size:18px;max-width:580px;color:#302c42}.hcc-kicker{font-size:11px;line-height:1.5;letter-spacing:.12em;font-weight:800}.hcc-hero .hcc-chips{margin-top:25px}.hcc-chips{display:flex;gap:8px;flex-wrap:wrap}.hcc-chips span{font-size:12px;line-height:1.4;padding:8px 12px;border-radius:30px;background:#ffffff96;backdrop-filter:blur(4px);font-weight:600}.hcc-actions{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-top:25px}.hcc-btn{display:inline-flex;justify-content:center;align-items:center;min-height:50px;padding:13px 23px;border-radius:14px;background:var(--ink);border:1px solid var(--ink);color:#fff!important;font-family:inherit;font-weight:700;font-size:15px;line-height:1.35;text-decoration:none;cursor:pointer;transition:transform .18s,background .18s}.hcc-btn:hover{background:#39354c;transform:translateY(-1px)}.hcc-btn--light{background:#ffffffca;color:var(--ink)!important;border-color:transparent}.hcc-btn--dark{background:var(--ink)}.hcc-hero>.hcc-art{align-self:center;justify-self:center;width:100%;max-width:300px;padding:28px;color:#fff;background:#ffffff14;backdrop-filter:blur(10px);border:1px solid #ffffff45;box-shadow:0 28px 70px #25263b38;border-radius:28px;transform:rotate(4deg)}.hcc-art small{font-size:10px;letter-spacing:.14em}.hcc-art strong{display:block;font-size:clamp(26px,3.2vw,43px);line-height:1.3;letter-spacing:-.035em;margin:27px 0}.hcc-art i{font-style:normal;color:#ffbaa0}.hcc-art-line{height:1px;background:#ffffff55;margin:20px 0}.hcc-art b{font-size:13px}.hcc-section{margin-top:54px;scroll-margin-top:110px}.hcc-section-title{display:flex;align-items:flex-end;justify-content:space-between;gap:20px}.hcc-edition{font-size:12px;color:var(--muted);flex-shrink:0;text-align:right;padding-bottom:18px}.hcc-intro{max-width:880px;color:var(--muted);margin-bottom:23px!important}.hcc-toc{display:flex;gap:25px;border-bottom:1px solid var(--line);padding:21px 0;overflow:auto;white-space:nowrap}.hcc-toc a{text-decoration:none;font-size:14px;font-weight:600}.hcc-tool-card{display:grid;grid-template-columns:130px 1fr 35px;gap:30px;align-items:center;border:1px solid var(--line);border-radius:26px;padding:32px;background:linear-gradient(110deg,#fff3ee,#fff 55%);text-decoration:none!important;transition:box-shadow .2s,border-color .2s}.hcc-tool-card:hover{border-color:#ffc4af;box-shadow:0 16px 45px #312c4610}.hcc-tool-card p{margin:10px 0 20px;color:var(--muted);max-width:850px}.hcc-tool-card>b{font-size:32px}.hcc-tool-icon{height:130px;display:flex;flex-direction:column;align-items:center;justify-content:center;border-radius:25px;font-size:64px;font-weight:800;background:linear-gradient(145deg,#ffc397,#dd8f98);line-height:1.1;transform:rotate(-5deg)}.hcc-tool-icon small{font-size:14px;letter-spacing:.2em}.hcc-three{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:26px}.hcc-three article{padding:25px;background:#f7f6f9;border-radius:22px}.hcc-three article>span{font-size:10px;font-weight:800;letter-spacing:.09em;color:#8b5161}.hcc-three h2,.hcc-three h3{font-size:23px;margin:15px 0 12px;line-height:1.2}.hcc-three p{color:var(--muted);font-size:15px}.hcc-copy{margin-top:48px;max-width:850px}.hcc-copy p{color:var(--muted)}.hcc-related{display:flex;gap:13px;flex-wrap:wrap;margin-top:35px}.hcc-related a{background:#f5f3f7;padding:15px 20px;text-decoration:none;border-radius:14px;font-size:14px;font-weight:700}.hcc-related a:hover{background:#fff0e9}.hcc-workspace{display:grid;grid-template-columns:minmax(0,1.22fr) minmax(300px,.78fr);gap:28px;align-items:start}.hcc-panel{border:1px solid var(--line);border-radius:22px;padding:22px 25px 25px;margin:0 0 20px;min-width:0;background:#fff}.hcc-panel legend{font-size:18px;font-weight:750;padding:0 9px}.hcc-panel legend b{font-size:12px;color:#be524f;display:inline-flex;width:28px;height:28px;align-items:center;justify-content:center;background:#ffefea;border-radius:8px;margin-right:9px}.hcc-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px 16px}.hcc label{display:block;font-size:13px;font-weight:650;min-width:0}.hcc input,.hcc select{display:block;width:100%;height:48px;border:1px solid #dcd9e4;border-radius:11px;padding:10px 12px;margin:7px 0 0;color:var(--ink);background:#fbfafc;font:inherit;font-size:16px;line-height:1.3;min-width:0}.hcc input[readonly]{background:#f0eef3;color:#585463}.hcc input::placeholder{color:#918b9b;font-size:14px}.hcc input:focus,.hcc select:focus{outline:2px solid #ae84a5;outline-offset:2px}.hcc input[aria-invalid=true],.hcc select[aria-invalid=true]{border-color:#bd3030;background:#fff5f5}.hcc [data-error]{display:block;color:#b32626;font-size:12px;line-height:1.4;margin-top:5px;font-weight:500}.hcc [data-error]:empty{display:none}.hcc-wide{grid-column:1/-1}.hcc-inline{display:flex;gap:7px}.hcc-inline input{flex:1;width:60%}.hcc-inline select{width:80px}.hcc-help{font-size:12px;color:var(--muted);font-weight:400;display:block;line-height:1.5;margin-top:7px}.hcc-panel>p.hcc-help{margin:0 0 15px}.hcc-check{display:grid!important;grid-template-columns:20px 1fr;gap:12px;align-items:start;line-height:1.5;background:#f7f3f8;border-radius:12px;padding:15px}.hcc-check input{width:19px;height:19px;margin:3px 0 0;accent-color:#5b476e}.hcc-check small{grid-column:2}.hcc-details{border-top:1px solid var(--line);margin-top:18px;padding-top:14px}.hcc details summary{cursor:pointer;font-size:13px;font-weight:650}.hcc-details label{margin-top:15px}.hcc-details p,.hcc-details ul{font-size:12px;color:var(--muted);margin-top:12px}.hcc-details ul{padding-left:18px}.hcc-details li+li{margin-top:7px}.hcc-rate-status{display:flex;gap:12px;align-items:flex-start;justify-content:space-between}.hcc-rate-status p{font-size:12px;line-height:1.5;color:var(--muted)}.hcc-text-btn{background:transparent;border:0;color:#77506d;text-decoration:underline;text-underline-offset:4px;font:inherit;font-size:13px;font-weight:700;cursor:pointer;padding:5px 0}.hcc-text-btn:disabled{opacity:.5;cursor:wait}.hcc-form-actions{display:flex;align-items:center;gap:18px;flex-wrap:wrap}.hcc-notice{padding:16px 18px;background:#fff2e8;border-radius:13px;color:#724b34;font-size:14px;margin:20px 0!important}.hcc-result-column{position:sticky;top:105px;min-width:0}.hcc-result{background:linear-gradient(145deg,#2c293c,#393952);color:#fff;border-radius:25px;padding:29px;overflow-wrap:anywhere;box-shadow:0 18px 42px #332b4e17;outline:none}.hcc-result .hcc-kicker{color:#ffbaa5}.hcc-result h3{font-size:31px;line-height:1.15;letter-spacing:-.035em;margin:14px 0 20px}.hcc-result [data-empty]>p{color:#c8c5d5;font-size:14px}.hcc-empty-rows{margin-top:40px}.hcc-empty-rows span{display:flex;justify-content:space-between;border-bottom:1px solid #ffffff25;padding:15px 0;font-size:13px}.hcc-result-meta{font-size:12px;color:#d5d0e0;line-height:1.6;margin-top:13px!important}.hcc-result-total{font-size:clamp(28px,3vw,44px);font-weight:800;line-height:1.1;letter-spacing:-.04em;margin:11px 0 23px}.hcc-result-subtitle{font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:#ffd1bc}.hcc-result dl{margin:22px 0;padding:0}.hcc-result dl>div{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px solid #ffffff20}.hcc-result dt{font-size:13px;color:#e0dce9;max-width:65%}.hcc-result dd{margin:0;font-size:14px;font-weight:650;text-align:right}.hcc-result .hcc-result-grand{padding:16px;background:#ffffff0d;border-radius:12px;font-size:12px}.hcc-result-grand b{font-size:25px;display:block;margin-top:6px}.hcc-result details{margin-top:23px}.hcc-result details summary{font-size:13px;color:#ffccb7}.hcc-result details p{font-size:12px;line-height:1.6;margin-top:13px;color:#ded9e6}.hcc-result notes{display:block}.hcc-result ul{padding-left:17px;font-size:12px;color:#ded9e6;margin-top:18px}.hcc-result li+li{margin-top:9px}.hcc-result-hint{color:var(--muted);font-size:12px;margin-top:15px!important}.hcc-result-column>.hcc-actions{margin-top:12px;gap:12px}.hcc-comparison{margin-top:35px;border:1px solid var(--line);border-radius:20px;padding:24px}.hcc-table-scroll{overflow:auto;border:1px solid var(--line);border-radius:17px;background:white}.hcc table{width:100%;border-collapse:collapse;font-size:13px;text-align:left}.hcc caption{text-align:left;padding:15px;font-weight:750;font-size:15px;background:#f6f3f8}.hcc th,.hcc td{padding:12px 15px;border-bottom:1px solid var(--line);vertical-align:top}.hcc th{font-weight:650;background:#fbfafc}.hcc tr:last-child td{border:0}.hcc-two{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:22px}.hcc-explainer{margin-top:50px;padding:36px;display:grid;grid-template-columns:1fr 1.3fr;gap:35px;background:linear-gradient(120deg,#ffe8d9,#f4e9f1,#e8ecf6);border-radius:25px;scroll-margin-top:100px}.hcc-explainer p{font-size:15px}.hcc-explainer a{font-size:14px;font-weight:750;display:inline-block;margin-top:18px}.hcc-faq details{border-bottom:1px solid var(--line);padding:19px 0}.hcc-faq summary{display:flex;align-items:center;justify-content:space-between;gap:20px;font-size:16px!important;list-style:none}.hcc-faq summary::-webkit-details-marker{display:none}.hcc-faq summary span{font-size:22px;color:#a87988;flex-shrink:0}.hcc-faq details[open] summary span{transform:rotate(45deg)}.hcc-faq details p{color:var(--muted);font-size:15px;margin-top:15px;max-width:1050px}.hcc-sources{margin-top:40px;padding:27px;background:#f7f6f9;border-radius:22px;font-size:13px;color:var(--muted)}.hcc-sources h2{font-size:23px;color:var(--ink)}.hcc-sources ul{padding-left:18px;columns:2;column-gap:32px}.hcc-sources li{margin-bottom:9px;break-inside:avoid}.hcc-sources a{text-underline-offset:3px}.hcc button:focus-visible,.hcc a:focus-visible,.hcc summary:focus-visible{outline:3px solid #b791bd;outline-offset:4px}.hcc-comparison h3{font-size:24px;margin-bottom:17px}.hcc-comparison td{min-width:160px}.hcc-comparison th{min-width:130px}
@media(min-width:1500px){.hcc{max-width:1420px}.hcc-hero{padding:62px}.hcc-workspace{grid-template-columns:1.35fr 1fr;gap:34px}}
@media(max-width:1000px){.hcc{padding:20px}.hcc-hero{padding:36px;gap:25px;grid-template-columns:1.7fr 1fr}.hcc-hero h1{font-size:44px}.hcc-workspace{grid-template-columns:1.25fr 1fr;gap:18px}.hcc-panel{padding:17px}.hcc-result{padding:23px}.hcc-fields{gap:13px}.hcc-three{gap:12px}.hcc-three article{padding:21px}.hcc-two{grid-template-columns:1fr}.hcc-hero p{font-size:16px}}
@media(max-width:760px){.hcc{padding:14px 16px 40px}.hcc-crumbs{font-size:11px;gap:7px;margin-bottom:17px}.hcc-hero{grid-template-columns:1fr;padding:29px 24px;border-radius:23px}.hcc-hero h1{font-size:clamp(34px,7.6vw,50px);margin-top:14px}.hcc-hero>.hcc-art{display:none}.hcc-hero p{font-size:16px}.hcc-hero .hcc-chips span{font-size:10px;padding:7px 10px}.hcc-toc{gap:21px;margin:0 -16px;padding:17px 16px;font-size:13px}.hcc-section{margin-top:35px}.hcc-workspace{grid-template-columns:1fr;gap:25px}.hcc-result-column{position:static}.hcc-result{padding:26px}.hcc-result-total{font-size:38px}.hcc-three{grid-template-columns:1fr}.hcc-three h2,.hcc-three h3{font-size:22px}.hcc-three article{padding:24px}.hcc-tool-card{grid-template-columns:64px 1fr;gap:17px;padding:24px 19px}.hcc-tool-icon{height:78px;font-size:40px;border-radius:16px;align-self:start}.hcc-tool-icon small{font-size:10px}.hcc-tool-card>b{display:none}.hcc-tool-card h3{font-size:23px}.hcc-tool-card p{font-size:14px}.hcc-tool-card .hcc-chips span{background:#f5f0f5;font-size:10px}.hcc-section-title{align-items:start;gap:12px}.hcc-edition{font-size:10px;white-space:nowrap;padding-top:4px}.hcc-panel legend{font-size:17px}.hcc-panel{padding:19px 16px 21px}.hcc-explainer{grid-template-columns:1fr;gap:5px;padding:25px}.hcc-sources ul{columns:1}.hcc-related a{flex:1 1 100%;font-size:13px}.hcc-faq summary{font-size:15px!important}.hcc-rate-status{flex-direction:column;gap:4px}.hcc-comparison{padding:17px}}
@media(max-width:390px){.hcc-fields{grid-template-columns:1fr}.hcc-section-title{flex-direction:column}.hcc-edition{text-align:left;padding:0 0 12px}.hcc-hero h1{font-size:34px}.hcc-form-actions>.hcc-btn{width:100%}.hcc-inline select{width:90px}}
@media(prefers-reduced-motion:reduce){.hcc *{transition:none!important;scroll-behavior:auto!important}}
#hcc-print-root{display:none}
@media print{body.hcc-printing> :not(#hcc-print-root){display:none!important}body.hcc-printing>#hcc-print-root{display:block!important;width:100%!important;max-width:none!important;padding:0!important;margin:0!important}#hcc-print-root .hcc-result{position:static!important;width:100%!important;padding:8mm!important;background:white!important;color:#111!important;box-shadow:none!important;border-radius:0!important;overflow:visible!important}#hcc-print-root *{color:#111!important;background:white!important}#hcc-print-root details>summary{display:none!important}#hcc-print-root details>*:not(summary){display:block!important}#hcc-print-root dl>div{break-inside:avoid}#hcc-print-root dd{white-space:nowrap}#hcc-print-root h3{font-size:24px}#hcc-print-root .hcc-result-total{font-size:28px}#hcc-print-root .hcc-result-grand b{font-size:22px}#hcc-print-root ul,#hcc-print-root .hcc-result-meta{font-size:10px}}