:root{
  --stp-ink:#102a28;
  --stp-ink-soft:#365651;
  --stp-navy:#102f46;
  --stp-teal:#0e7d70;
  --stp-mint:#31c49b;
  --stp-gold:#d4a650;
  --stp-cream:#eee9dd;
  --stp-paper:#f5f3ec;
  --stp-mist:#dbe4df;
  --stp-line:rgba(18,63,61,.18);
  --stp-shadow:0 24px 58px rgba(29,55,52,.14);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px}
body{margin:0;color:var(--stp-ink);background:#dbe3df;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;font-size:16px;line-height:1.6;overflow-x:hidden}
body::before{content:"";position:fixed;inset:0;z-index:-2;pointer-events:none;background:linear-gradient(rgba(21,70,66,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(21,70,66,.025) 1px,transparent 1px);background-size:42px 42px}
body::after{content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;background:radial-gradient(circle at 12% 8%,rgba(54,180,143,.09),transparent 30%),radial-gradient(circle at 90% 4%,rgba(196,145,63,.07),transparent 28%)}
button,input,select{font:inherit}
button,a{-webkit-tap-highlight-color:transparent}
img{max-width:100%;height:auto}
[hidden]{display:none!important}
.stp-container{width:min(1180px,calc(100% - 40px));margin-inline:auto}
.stp-sr{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.stp-skip{position:fixed;left:14px;top:14px;z-index:200;transform:translateY(-150%);padding:10px 14px;border-radius:10px;background:#fff;color:#092f2d;font-weight:900}
.stp-skip:focus{transform:none}

.stp-header{position:relative;z-index:50;border-bottom:1px solid rgba(28,72,67,.12);background:rgba(238,243,240,.94);backdrop-filter:blur(16px)}
.stp-header__inner{display:flex;align-items:center;min-height:72px;gap:28px}
.stp-brand{display:inline-flex;flex:0 0 auto}
.stp-brand img{display:block;width:190px}
.stp-nav{display:flex;align-items:center;gap:4px;margin-left:auto;padding:5px;border:1px solid rgba(18,63,61,.13);border-radius:999px;background:rgba(247,248,244,.72)}
.stp-nav a{padding:9px 15px;border-radius:999px;color:#42605d;text-decoration:none;font-size:.82rem;font-weight:850}
.stp-nav a:hover,.stp-nav a.is-active{color:#112c2a;background:#ebece5}
.stp-header-cta{display:inline-flex;min-height:44px;align-items:center;justify-content:center;padding:0 18px;border-radius:999px;color:#fff;background:linear-gradient(120deg,#153d58,#0e7d70);box-shadow:0 12px 30px rgba(20,70,68,.16);text-decoration:none;font-size:.82rem;font-weight:900}

.stp-hero{position:relative;padding:58px 0 54px;background:#d8e2dd}
.stp-hero::before{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(circle at 16% 15%,rgba(46,178,143,.10),transparent 29%),radial-gradient(circle at 88% 22%,rgba(192,140,57,.08),transparent 28%)}
.stp-hero__grid{position:relative;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(400px,.78fr);gap:48px;align-items:center}
.stp-hero__copy{padding:34px 0}
.stp-breadcrumb{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin-bottom:30px;color:#668078;font-size:.8rem;font-weight:750}
.stp-breadcrumb a{color:inherit;text-decoration:none}
.stp-breadcrumb strong{color:#31524d}
.stp-kicker,.stp-kicker-light{display:inline-flex;align-items:center;gap:9px;margin:0 0 15px;color:#25685f;font-size:.73rem;font-weight:950;letter-spacing:.09em;text-transform:uppercase}
.stp-kicker i{width:8px;height:8px;border-radius:50%;background:var(--stp-mint);box-shadow:0 0 0 6px rgba(49,196,155,.12)}
.stp-kicker-light{min-height:32px;padding:6px 11px;border:1px solid rgba(21,104,94,.14);border-radius:999px;background:rgba(244,247,241,.58)}
.stp-hero h1{max-width:700px;margin:0;font-size:clamp(3.15rem,5.8vw,5.35rem);line-height:.92;letter-spacing:-.065em}
.stp-hero h1 span{display:block;color:#116f65}
.stp-lead{max-width:690px;margin:24px 0 0;color:#45645f;font-size:1.05rem;line-height:1.75}
.stp-hero__actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.stp-btn{display:inline-flex;min-height:49px;align-items:center;justify-content:center;padding:0 21px;border:0;border-radius:999px;color:#fff;background:linear-gradient(120deg,#153b56,#0b796e);box-shadow:0 13px 28px rgba(19,71,67,.16);text-decoration:none;font-size:.86rem;font-weight:950;cursor:pointer}
.stp-btn:hover{filter:brightness(1.04)}
.stp-btn--ghost,.stp-btn--secondary{border:1px solid rgba(20,68,65,.17);color:#183c38;background:#eceee8;box-shadow:none}
.stp-proof{display:flex;flex-wrap:wrap;gap:8px;margin-top:25px}
.stp-proof span{display:inline-flex;min-height:35px;align-items:center;padding:6px 11px;border:1px solid rgba(22,75,70,.15);border-radius:999px;color:#4d6d66;background:rgba(241,244,238,.64);font-size:.75rem;font-weight:780}
.stp-proof strong{margin-right:5px;color:#173f3b}

.stp-visual{position:relative;min-height:540px;padding:24px;border:1px solid rgba(255,255,255,.18);border-radius:34px;color:#fff;background:linear-gradient(145deg,#123848,#1a5d5a 70%,#765c3d);box-shadow:0 30px 68px rgba(30,56,51,.2);overflow:hidden;isolation:isolate}
.stp-visual::before{content:"";position:absolute;width:340px;height:340px;right:-110px;top:-100px;border-radius:50%;background:rgba(255,255,255,.055);box-shadow:-55px 70px 0 rgba(255,255,255,.035);z-index:-1}
.stp-visual__top{display:flex;align-items:center;gap:8px;color:#d4e3df;font-size:.72rem;font-weight:950;letter-spacing:.09em}
.stp-visual__top span{margin-right:auto}
.stp-visual__top i{width:9px;height:9px;border-radius:50%;background:#76c8b3}
.stp-briefcase{position:relative;width:230px;height:180px;margin:28px auto 20px;filter:drop-shadow(0 22px 25px rgba(2,24,29,.18))}
.stp-briefcase__handle{position:absolute;left:50%;top:0;width:92px;height:44px;transform:translateX(-50%);border:15px solid #d3ab65;border-bottom:0;border-radius:18px 18px 0 0}
.stp-briefcase__body{position:absolute;inset:31px 0 0;display:grid;place-items:center;border:1px solid rgba(255,255,255,.2);border-radius:24px;background:linear-gradient(145deg,#234e5c,#173843);overflow:hidden}
.stp-briefcase__body::before{content:"";position:absolute;left:0;right:0;top:52%;height:1px;background:rgba(255,255,255,.18)}
.stp-briefcase__body i{position:absolute;left:50%;top:48%;width:38px;height:30px;transform:translate(-50%,-50%);border:7px solid #d6ad63;border-radius:8px;background:#173843}
.stp-briefcase__body span{position:absolute;left:20px;top:20px;color:#bdd1cc;font-size:.65rem;font-weight:900;line-height:1.2;letter-spacing:.08em}
.stp-briefcase__body b{position:absolute;right:20px;bottom:17px;color:#f3d9a7;font-size:.85rem}
.stp-visual__amount{padding:20px;border:1px solid rgba(255,255,255,.14);border-radius:22px;background:rgba(8,37,45,.27)}
.stp-visual__amount span,.stp-visual__amount small{display:block;color:#c6d7d3;font-weight:800}
.stp-visual__amount span{font-size:.75rem;text-transform:uppercase;letter-spacing:.07em}
.stp-visual__amount strong{display:block;margin:7px 0 4px;font-size:clamp(2.1rem,4vw,3.25rem);line-height:1;letter-spacing:-.04em;overflow-wrap:anywhere}
.stp-visual__amount small{font-size:.78rem}
.stp-visual__line{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:11px;align-items:center;margin:18px 0;color:#c9d8d4;font-size:.7rem;font-weight:850}
.stp-visual__line>i{height:8px;border-radius:999px;background:rgba(255,255,255,.16);overflow:hidden}
.stp-visual__line>i b{display:block;width:17%;height:100%;border-radius:inherit;background:linear-gradient(90deg,#32cf9f,#d7af64);transition:width .25s ease}
.stp-visual__line>strong{color:#fff}
.stp-visual__stats{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.stp-visual__stats div{min-width:0;padding:13px;border:1px solid rgba(255,255,255,.12);border-radius:15px;background:rgba(255,255,255,.065)}
.stp-visual__stats span,.stp-visual__stats strong{display:block}
.stp-visual__stats span{color:#b5cbc6;font-size:.67rem}
.stp-visual__stats strong{margin-top:3px;color:#fff;font-size:.82rem;overflow-wrap:anywhere}

.stp-anchor{position:relative;z-index:5;border-block:1px solid rgba(18,63,61,.12);background:#e0e7e3}
.stp-anchor .stp-container{display:flex;gap:8px;padding-block:12px;overflow-x:auto;scrollbar-width:none}
.stp-anchor .stp-container::-webkit-scrollbar{display:none}
.stp-anchor a{flex:0 0 auto;padding:8px 13px;border:1px solid rgba(18,63,61,.16);border-radius:999px;color:#42625d;background:#eef0eb;text-decoration:none;font-size:.76rem;font-weight:900}

.stp-tool-band{padding:56px 0 66px;background:#d1ddd8}
.stp-tool{display:grid;grid-template-columns:minmax(0,1.18fr) minmax(380px,.82fr);gap:24px;align-items:start}
.stp-card{min-width:0;border:1px solid var(--stp-line);border-radius:32px;box-shadow:var(--stp-shadow)}
.stp-panel{overflow:hidden;background:#f1f0e9}
.stp-panel__head{display:flex;gap:20px;align-items:start;justify-content:space-between;padding:30px 30px 21px}
.stp-panel__head h2,.stp-result__top h2{margin:0;font-size:clamp(1.8rem,3vw,2.6rem);line-height:1.05;letter-spacing:-.04em}
.stp-panel__head p:not(.stp-kicker-light),.stp-result__top p:not(.stp-kicker-light){max-width:600px;margin:10px 0 0;color:#526c67;font-size:.88rem}
.stp-live{display:inline-flex;flex:0 0 auto;align-items:center;gap:8px;padding:7px 10px;border-radius:999px;color:#27685d;background:#dcebe4;font-size:.7rem;font-weight:900}
.stp-live i{width:8px;height:8px;border-radius:50%;background:#22b886;box-shadow:0 0 0 5px rgba(34,184,134,.12)}
.stp-mode{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;padding:0 30px 24px}
.stp-mode__button{position:relative;display:grid;grid-template-columns:40px minmax(0,1fr) auto;grid-template-rows:auto auto;gap:1px 10px;align-items:center;min-width:0;padding:15px;border:1px solid rgba(19,67,63,.16);border-radius:18px;color:#284b46;background:#e7ebe5;text-align:left;cursor:pointer}
.stp-mode__button>span{grid-row:1/3;display:grid;place-items:center;width:38px;height:38px;border-radius:12px;background:#d7dfda;color:#4d6b65;font-size:.72rem;font-weight:950}
.stp-mode__button>strong{font-size:.86rem;line-height:1.2}
.stp-mode__button>small{color:#6a7f7a;font-size:.68rem;line-height:1.3}
.stp-mode__button>b{grid-column:3;grid-row:1/3;padding:5px 8px;border-radius:999px;color:#47635e;background:#d8e0da;font-size:.62rem;text-transform:uppercase}
.stp-mode__button.is-active{border-color:#4fac91;background:#e4f0e9;box-shadow:inset 0 0 0 1px rgba(44,169,127,.12)}
.stp-mode__button.is-active>span{color:#fff;background:#137b6e}
.stp-mode__button.is-active>b{color:#17685e;background:#cce7db}
.stp-calculation{padding:27px 30px 31px;border-top:1px solid rgba(18,63,61,.12);background:#f5f3ed}
.stp-intro{display:grid;grid-template-columns:auto minmax(0,1fr);gap:12px;align-items:center;margin-bottom:24px;padding:15px;border-radius:17px;background:#e5ebe6}
.stp-intro>span{padding:6px 9px;border-radius:999px;color:#fff;background:#196d64;font-size:.68rem;font-weight:950;text-transform:uppercase}
.stp-intro p{margin:0;color:#46635d;font-size:.79rem}
.stp-intro--pro{background:#e9e3d7}
.stp-intro--pro>span{background:#8e6c35}
.stp-step{display:grid;grid-template-columns:42px minmax(0,1fr);gap:12px;align-items:center;margin:24px 0 14px}
.stp-step>span{display:grid;place-items:center;width:42px;height:42px;border-radius:14px;color:#fff;background:#153e48;font-size:.78rem;font-weight:950}
.stp-step strong,.stp-step small{display:block}
.stp-step strong{font-size:.96rem}
.stp-step small{margin-top:2px;color:#697f78;font-size:.74rem}
.stp-field{display:block;min-width:0;margin-top:12px;color:#163834;font-weight:900}
.stp-field>span{display:block;margin-bottom:7px;font-size:.82rem}
.stp-field>small{display:block;margin-top:7px;color:#677d77;font-size:.7rem;line-height:1.45;font-weight:700}
.stp-input-wrap,.stp-select-wrap{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;min-height:55px;border:1px solid rgba(19,67,63,.19);border-radius:16px;background:#eeefe9;overflow:hidden}
.stp-input-wrap:focus-within,.stp-select-wrap:focus-within{border-color:#258b78;box-shadow:0 0 0 3px rgba(37,139,120,.11)}
.stp-input-wrap input,.stp-select-wrap select{width:100%;min-width:0;height:53px;padding:0 15px;border:0;outline:0;color:#102d29;background:transparent;font-weight:900}
.stp-input-wrap em{padding:0 14px;color:#496a63;font-size:.78rem;font-style:normal;font-weight:900}
.stp-select-wrap{grid-template-columns:1fr}
.stp-select-wrap select{appearance:auto}
.stp-choice-grid{display:grid;gap:10px;margin:0;padding:0;border:0}
.stp-choice-grid--reason{grid-template-columns:repeat(2,1fr)}
.stp-choice-grid--duration{grid-template-columns:repeat(3,1fr)}
.stp-choice-grid label{position:relative;display:block;min-width:0;cursor:pointer}
.stp-choice-grid input{position:absolute;opacity:0;pointer-events:none}
.stp-choice-grid label>span{display:block;height:100%;padding:15px;border:1px solid rgba(20,67,63,.17);border-radius:17px;background:#eceee9;transition:border .15s ease,background .15s ease,transform .15s ease}
.stp-choice-grid label:hover>span{transform:translateY(-1px)}
.stp-choice-grid input:focus-visible+span{outline:3px solid rgba(37,139,120,.2);outline-offset:2px}
.stp-choice-grid input:checked+span{border-color:#2fac82;background:#dff0e7;box-shadow:inset 0 0 0 1px rgba(47,172,130,.11)}
.stp-choice-grid strong,.stp-choice-grid small{display:block}
.stp-choice-grid strong{font-size:.8rem;line-height:1.3}
.stp-choice-grid small{margin-top:5px;color:#637a74;font-size:.68rem;line-height:1.4}
.stp-pro-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.stp-toggle{position:relative;display:block;min-width:0;margin-top:12px;cursor:pointer}
.stp-toggle input{position:absolute;opacity:0}
.stp-toggle>span{position:relative;display:block;min-height:55px;padding:12px 48px 12px 15px;border:1px solid rgba(19,67,63,.19);border-radius:16px;background:#ebece6}
.stp-toggle>span::after{content:"";position:absolute;right:15px;top:50%;width:30px;height:18px;transform:translateY(-50%);border-radius:999px;background:#bcc7c2;box-shadow:inset 0 0 0 2px rgba(14,47,44,.08)}
.stp-toggle>span::before{content:"";position:absolute;z-index:1;right:29px;top:50%;width:12px;height:12px;transform:translateY(-50%);border-radius:50%;background:#fff;transition:right .18s ease}
.stp-toggle input:checked+span{border-color:#2aaa80;background:#dcefe6}
.stp-toggle input:checked+span::after{background:#1c9b78}
.stp-toggle input:checked+span::before{right:19px}
.stp-toggle strong,.stp-toggle small{display:block}
.stp-toggle strong{font-size:.78rem}
.stp-toggle small{margin-top:3px;color:#647b75;font-size:.67rem;line-height:1.35}
.stp-conditional{margin-top:12px;padding:15px;border:1px dashed rgba(29,126,111,.3);border-radius:18px;background:#e5eee8}
.stp-note{display:grid;grid-template-columns:auto minmax(0,1fr);gap:12px;margin-top:22px;padding:17px;border-left:4px solid #248e78;border-radius:0 16px 16px 0;background:#e0ebe5;color:#3f625b}
.stp-note strong{color:#173e38;font-size:.82rem}
.stp-note p{margin:0;font-size:.76rem}
.stp-note--dark{border-left-color:#c79a4c;color:#d5e0dc;background:#173e43}
.stp-note--dark strong{color:#f0d39d}
.stp-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}
.stp-reset{padding:0 10px;border:0;color:#526d67;background:transparent;font-size:.76rem;font-weight:900;cursor:pointer}
.stp-privacy{display:flex;align-items:center;gap:8px;margin:0;padding:16px 30px 20px;color:#667d77;font-size:.69rem;font-weight:760}
.stp-privacy i{width:8px;height:8px;border-radius:50%;background:#27b886}

.stp-result{position:sticky;top:18px;padding:25px;color:#fff;background:#102f46;box-shadow:0 28px 64px rgba(11,39,50,.22)}
.stp-result__top{display:flex;align-items:start;justify-content:space-between;gap:15px}
.stp-result__top .stp-kicker-light{color:#9ddfd0;border-color:rgba(109,221,190,.18);background:rgba(57,181,149,.11)}
.stp-result__top h2{color:#fff}
.stp-result__top>span{flex:0 0 auto;padding:6px 9px;border-radius:999px;color:#c6d8d3;background:rgba(255,255,255,.08);font-size:.66rem;font-weight:900}
.stp-result__main{margin-top:19px;padding:21px;border:1px solid rgba(255,255,255,.13);border-radius:23px;background:linear-gradient(135deg,#174b55,#1d6860 68%,#82663f)}
.stp-result__label{display:flex;justify-content:space-between;gap:12px;align-items:center;color:#c6ddd7;font-size:.7rem;font-weight:850}
.stp-result__label b{padding:5px 8px;border-radius:999px;color:#fff;background:rgba(255,255,255,.13);font-size:.57rem}
.stp-result__main output{display:block;margin-top:9px;color:#fff;font-size:clamp(2.6rem,5vw,4.2rem);line-height:.95;letter-spacing:-.055em;font-weight:950;overflow-wrap:anywhere}
.stp-result__main>strong{display:block;margin-top:7px;color:#f4d7a0;font-size:.9rem}
.stp-result__main>p{margin:9px 0 0;color:#d3e0dd;font-size:.75rem}
.stp-result-bar{height:8px;margin-top:17px;border-radius:999px;background:rgba(255,255,255,.15);overflow:hidden}
.stp-result-bar i{display:block;width:17%;height:100%;border-radius:inherit;background:linear-gradient(90deg,#37d6a5,#e2b466);transition:width .25s ease}
.stp-result-legend{display:flex;justify-content:space-between;margin-top:7px;color:#c2d2cf;font-size:.63rem}
.stp-result-legend strong{color:#fff}
.stp-metrics{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:12px}
.stp-metrics div{min-width:0;padding:15px;border:1px solid rgba(255,255,255,.13);border-radius:17px;background:rgba(255,255,255,.065)}
.stp-metrics span,.stp-metrics strong,.stp-metrics small{display:block}
.stp-metrics span{color:#aec3be;font-size:.65rem}
.stp-metrics strong{margin-top:3px;color:#fff;font-size:1rem;overflow-wrap:anywhere}
.stp-metrics small{margin-top:2px;color:#9fb5b0;font-size:.6rem}
.stp-status{margin-top:12px;padding:16px;border-radius:18px;color:#193d38;background:#e2ebe5}
.stp-status>div{display:flex;justify-content:space-between;gap:10px;align-items:start}
.stp-status span{color:#53706a;font-size:.65rem;font-weight:800}
.stp-status strong{font-size:.78rem;text-align:right}
.stp-status>b{display:inline-flex;margin-top:10px;padding:5px 8px;border-radius:999px;color:#1b665b;background:#c7e6d9;font-size:.61rem;text-transform:uppercase}
.stp-status p{margin:9px 0 0;color:#4b6862;font-size:.72rem}
.stp-repayment{margin-top:12px;padding:16px;border:1px solid rgba(224,177,94,.32);border-radius:18px;background:rgba(224,177,94,.11)}
.stp-repayment>div{display:flex;justify-content:space-between;gap:15px}
.stp-repayment span{color:#d7c59e;font-size:.68rem}
.stp-repayment strong{color:#fff}
.stp-repayment p{margin:7px 0 0;color:#c4d3cf;font-size:.7rem}
.stp-result__check{margin-top:12px;padding:17px;border:1px solid rgba(255,255,255,.12);border-radius:18px;background:rgba(255,255,255,.05)}
.stp-result__check h3{margin:0;color:#fff;font-size:.85rem}
.stp-result__check ul{margin:9px 0 0;padding-left:18px;color:#bdcfca;font-size:.69rem}
.stp-result__check li+li{margin-top:4px}
.stp-result__actions{display:flex;gap:9px;margin-top:12px}
.stp-result__actions button{flex:1;min-height:40px;border:1px solid rgba(255,255,255,.14);border-radius:999px;color:#d3e0dd;background:rgba(255,255,255,.065);font-size:.68rem;font-weight:900;cursor:pointer}

.stp-section{padding:76px 0}
.stp-section p,.stp-section li{line-height:1.72}
.stp-section-head{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(300px,.88fr);grid-template-areas:"kicker kicker" "title copy";gap:13px 40px;align-items:end;margin-bottom:32px}
.stp-section-head>.stp-kicker-light{grid-area:kicker;justify-self:start;margin:0}
.stp-section-head>h2{grid-area:title;margin:0;font-size:clamp(2.2rem,4.5vw,4rem);line-height:1;letter-spacing:-.055em}
.stp-section-head>p:not(.stp-kicker-light){grid-area:copy;margin:0;color:#4f6963}
.stp-section-head--stack{display:block;margin-bottom:26px}
.stp-section-head--stack>.stp-kicker-light{display:inline-flex;margin-bottom:15px}
.stp-section-head--stack>h2{max-width:850px}
.stp-section-head--stack>p:not(.stp-kicker-light){max-width:760px;margin-top:16px}

.stp-scenario-band{color:#eef5f2;background:#123b42}
.stp-scenario-band .stp-section-head>h2,.stp-errors-band .stp-section-head>h2,.stp-related-band .stp-section-head>h2{color:#fff}
.stp-scenario-band .stp-section-head>p:not(.stp-kicker-light),.stp-errors-band .stp-section-head>p:not(.stp-kicker-light),.stp-related-band .stp-section-head>p:not(.stp-kicker-light){color:#bfd0cc}
.stp-scenario-band .stp-kicker-light,.stp-errors-band .stp-kicker-light,.stp-related-band .stp-kicker-light{color:#9fe6d2;border-color:rgba(114,224,193,.2);background:rgba(55,192,154,.11)}
.stp-scenarios{display:grid;grid-template-columns:repeat(4,1fr);gap:13px}
.stp-scenarios article{min-width:0;padding:22px;border:1px solid rgba(255,255,255,.13);border-radius:20px;background:rgba(255,255,255,.06)}
.stp-scenarios article:nth-child(2){background:rgba(46,189,149,.11)}
.stp-scenarios article:nth-child(4){background:rgba(211,165,80,.13)}
.stp-scenarios span,.stp-scenarios strong,.stp-scenarios small{display:block}
.stp-scenarios span{color:#a9c6c0;font-size:.68rem;font-weight:900;text-transform:uppercase;letter-spacing:.07em}
.stp-scenarios strong{margin-top:12px;color:#fff;font-size:1.45rem;line-height:1.05;overflow-wrap:anywhere}
.stp-scenarios small{margin-top:6px;color:#bfd0cc;font-size:.7rem}

.stp-breakdown-band{background:#c8d5d0}
.stp-breakdown-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(300px,.65fr);gap:24px;align-items:start}
.stp-reading{margin-bottom:18px;padding:21px;border:1px solid #a9bbb5;border-radius:20px;background:#e2e9e5}
.stp-reading span{color:#55726b;font-size:.7rem;font-weight:900;text-transform:uppercase}
.stp-reading h3{margin:8px 0 6px;font-size:1.45rem;line-height:1.2}
.stp-reading p{margin:0;color:#4c6962}
.stp-table-wrap{overflow:hidden;border:1px solid #a7bab4;border-radius:20px;background:#e8ece8}
.stp-table{width:100%;border-collapse:collapse}
.stp-table th,.stp-table td{padding:14px 15px;border-bottom:1px solid #c0cbc7;text-align:left;vertical-align:top}
.stp-table th{color:#315b54;background:#d5dfdb;font-size:.69rem;text-transform:uppercase;letter-spacing:.05em}
.stp-table td{font-size:.8rem}
.stp-table td:nth-child(2){font-weight:900}
.stp-table tr:last-child td{border-bottom:0}
.stp-decision-card{position:sticky;top:20px;padding:28px;border-radius:27px;color:#fff;background:linear-gradient(145deg,#123943,#1b5e59 70%,#725b3f);box-shadow:var(--stp-shadow)}
.stp-decision-card>span{color:#a4e7d5;font-size:.7rem;font-weight:900;text-transform:uppercase;letter-spacing:.07em}
.stp-decision-card h3{margin:10px 0 0;font-size:1.65rem;line-height:1.15}
.stp-decision-card p{color:#cfddda;font-size:.82rem}
.stp-decision-card>div{display:grid;grid-template-columns:1fr auto;gap:12px;margin-top:14px;padding-top:14px;border-top:1px solid rgba(255,255,255,.14);font-size:.76rem}
.stp-decision-card>div span{color:#bdd0cb}
.stp-decision-card>div strong{color:#fff;text-align:right}
.stp-decision-card>a{display:inline-flex;margin-top:19px;color:#fff;font-size:.78rem;font-weight:900}

.stp-guide-band{background:#ddd6c8}
.stp-guide-layout{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(280px,.5fr);gap:24px;align-items:start}
.stp-longread{min-width:0}
.stp-longread>article{padding:28px;border:1px solid #bcb19d;border-radius:24px;background:#ece7dc}
.stp-longread>article+article{margin-top:16px}
.stp-longread>article:nth-of-type(even){background:#e5e4da}
.stp-longread h3{margin:0 0 12px;font-size:1.5rem;line-height:1.18;letter-spacing:-.02em}
.stp-longread p{margin:10px 0;color:#5b5d53}
.stp-formula{margin-top:18px;padding:16px;border-left:4px solid #147a6d;border-radius:0 13px 13px 0;color:#21453f;background:#d8e3dc;font:800 .82rem/1.6 ui-monospace,SFMono-Regular,Consolas,monospace;overflow-wrap:anywhere}
.stp-guide-nav{position:sticky;top:20px;display:grid;gap:10px}
.stp-guide-nav>.stp-kicker-light{justify-self:start;margin:0 0 2px}
.stp-guide-nav>a,.stp-guide-nav>div{display:grid;grid-template-columns:42px minmax(0,1fr);grid-template-rows:auto auto;gap:3px 11px;padding:16px;border:1px solid #b7ac99;border-radius:18px;color:#284c46;background:#e9e4da;text-decoration:none}
.stp-guide-nav>a>span,.stp-guide-nav>div>span{grid-row:1/3;display:grid;place-items:center;width:40px;height:40px;border-radius:12px;color:#fff;background:#174b50;font-size:.7rem;font-weight:950}
.stp-guide-nav strong,.stp-guide-nav small{display:block}
.stp-guide-nav strong{align-self:end;font-size:.83rem;line-height:1.2}
.stp-guide-nav small{color:#6a7066;font-size:.66rem;line-height:1.3}
.stp-guide-nav>div{margin-top:3px;color:#fff;background:linear-gradient(145deg,#143e46,#24665f);border-color:transparent}
.stp-guide-nav>div>span{color:#173b37;background:#d5ad66}
.stp-guide-nav>div small{color:#cbdad6}

.stp-process-band{background:#cad8d3}
.stp-process-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(300px,.65fr);gap:24px;align-items:start}
.stp-process-steps{display:grid;gap:11px}
.stp-process-steps article{display:grid;grid-template-columns:48px minmax(0,1fr);gap:14px;padding:20px;border:1px solid #aebfba;border-radius:19px;background:#e5ebe7}
.stp-process-steps article>span{display:grid;place-items:center;width:48px;height:48px;border-radius:14px;color:#fff;background:#174b50;font-size:.76rem;font-weight:950}
.stp-process-steps h3{margin:0;font-size:1.05rem}
.stp-process-steps p{margin:4px 0 0;color:#526b65;font-size:.8rem}
.stp-process-panel{padding:27px;border:1px solid #a8bbb5;border-radius:25px;background:#e2e8e4}
.stp-process-panel>span{color:#397066;font-size:.7rem;font-weight:900;text-transform:uppercase;letter-spacing:.07em}
.stp-process-panel h3{margin:9px 0 12px;font-size:1.45rem;line-height:1.17}
.stp-process-panel ul{padding-left:20px;color:#4b665f;font-size:.83rem}
.stp-security{margin-top:21px;padding:18px;border-radius:17px;color:#fff;background:#173f45}
.stp-security p{margin:5px 0 0;color:#ccd9d6;font-size:.76rem}

.stp-money-band{background:#d8d0c1}
.stp-money-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(300px,.7fr);gap:24px;align-items:start}
.stp-money-grid>div,.stp-money-grid>aside{padding:29px;border-radius:25px}
.stp-money-grid>div{border:1px solid #b9ac93;background:#e8e2d7}
.stp-money-grid h2,.stp-return-grid h2,.stp-planning-grid h2{margin:0;font-size:clamp(2.15rem,4vw,3.55rem);line-height:1.02;letter-spacing:-.05em}
.stp-money-grid p{color:#625c50}
.stp-money-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:22px}
.stp-money-cards div{padding:17px;border:1px solid #c3b8a5;border-radius:17px;background:#eee9df}
.stp-money-cards span{display:grid;place-items:center;width:31px;height:31px;border-radius:10px;color:#fff;background:#1d695f;font-size:.67rem;font-weight:950}
.stp-money-cards strong,.stp-money-cards small{display:block}
.stp-money-cards strong{margin-top:10px;font-size:.78rem}
.stp-money-cards small{margin-top:5px;color:#6d6659;font-size:.66rem;line-height:1.4}
.stp-money-grid>aside{color:#fff;background:linear-gradient(145deg,#133e48,#1f625d 70%,#745d42);box-shadow:var(--stp-shadow)}
.stp-money-grid>aside>span{color:#9ee3d1;font-size:.7rem;font-weight:900;text-transform:uppercase}
.stp-money-grid>aside h3{margin:9px 0 0;font-size:1.65rem;line-height:1.14}
.stp-money-grid>aside p{color:#d0ddda;font-size:.82rem}
.stp-money-grid>aside>div{margin-top:18px;padding-top:17px;border-top:1px solid rgba(255,255,255,.15)}
.stp-money-grid>aside strong,.stp-money-grid>aside small{display:block}
.stp-money-grid>aside small{margin-top:4px;color:#c2d2ce;font-size:.72rem}

.stp-return-band{background:#bfd0ca}
.stp-return-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(310px,.75fr);gap:24px;align-items:start}
.stp-return-grid>div,.stp-return-grid>aside{padding:29px;border:1px solid #9fb5ae;border-radius:25px;background:#dce6e2}
.stp-return-grid p,.stp-return-grid li{color:#4b665f}
.stp-return-rule{margin-top:20px;padding:17px;border-left:4px solid #178172;border-radius:0 14px 14px 0;background:#c9ddd5}
.stp-return-rule span,.stp-return-rule strong{display:block}
.stp-return-rule span{color:#3c6860;font-size:.68rem;text-transform:uppercase;font-weight:900}
.stp-return-rule strong{margin-top:5px;font:800 .8rem/1.5 ui-monospace,SFMono-Regular,Consolas,monospace}
.stp-return-grid>aside{background:#d4ded9}
.stp-return-grid>aside>span{color:#2c6d63;font-size:.7rem;font-weight:900;text-transform:uppercase}
.stp-return-grid>aside h3{margin:9px 0 0;font-size:1.5rem;line-height:1.16}
.stp-return-grid>aside ul{padding-left:20px;font-size:.82rem}

.stp-examples-band{background:#dcd5c8}
.stp-example-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}
.stp-example-grid article{padding:27px;border:1px solid #bcb09c;border-radius:24px;background:#ebe6dc}
.stp-example-grid article:nth-child(2){background:#e2e3d9}
.stp-example-grid article:nth-child(3){background:#dce5df}
.stp-example-grid article>span{color:#397066;font-size:.69rem;font-weight:900;text-transform:uppercase;letter-spacing:.06em}
.stp-example-grid h3{margin:10px 0 0;font-size:1.45rem;line-height:1.14}
.stp-example-grid p{color:#5d6157;font-size:.84rem}
.stp-example-grid article>strong{display:block;margin-top:17px;padding-top:15px;border-top:1px solid #c3bbae;color:#0f6d61;font-size:.9rem}

.stp-errors-band{color:#eef4f2;background:#27494b}
.stp-errors-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}
.stp-errors-grid article{padding:22px;border:1px solid rgba(255,255,255,.13);border-radius:19px;background:rgba(255,255,255,.065)}
.stp-errors-grid article>strong{display:grid;place-items:center;width:38px;height:38px;border-radius:11px;color:#283f3f;background:#d7ad63;font-size:.72rem}
.stp-errors-grid h3{margin:14px 0 6px;color:#fff;font-size:1.04rem}
.stp-errors-grid p{margin:0;color:#c6d6d2;font-size:.78rem}

.stp-planning-band{background:#c5d5cf}
.stp-planning-grid{display:grid;grid-template-columns:minmax(0,1.28fr) minmax(300px,.72fr);gap:24px;align-items:start}
.stp-planning-grid>div,.stp-planning-grid>aside{padding:29px;border:1px solid #a6bab3;border-radius:25px;background:#dfe7e3}
.stp-planning-grid p{color:#4f6963}
.stp-planning-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:20px}
.stp-planning-steps div{padding:17px;border:1px solid #b4c5bf;border-radius:17px;background:#e8ede9}
.stp-planning-steps span{display:grid;place-items:center;width:30px;height:30px;border-radius:10px;color:#fff;background:#176c63;font-size:.7rem;font-weight:950}
.stp-planning-steps strong,.stp-planning-steps small{display:block}
.stp-planning-steps strong{margin-top:10px;font-size:.8rem}
.stp-planning-steps small{margin-top:4px;color:#60756f;font-size:.66rem;line-height:1.4}
.stp-planning-grid>aside{background:#d5dfdb}
.stp-planning-grid>aside>span{color:#2e6f65;font-size:.7rem;font-weight:900;text-transform:uppercase}
.stp-planning-grid>aside h3{margin:9px 0 16px;font-size:1.45rem;line-height:1.15}
.stp-planning-grid>aside a{display:block;padding:14px 0;border-top:1px solid #afc0ba;color:#173e39;text-decoration:none}
.stp-planning-grid>aside strong,.stp-planning-grid>aside small{display:block}
.stp-planning-grid>aside small{margin-top:3px;color:#5d746d;font-size:.7rem}

.stp-sources-band{background:#dad3c6}
.stp-source-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.stp-source-grid a{display:block;padding:19px;border:1px solid #bcb09b;border-radius:18px;color:#173e38;background:#e8e3d9;text-decoration:none}
.stp-source-grid span,.stp-source-grid strong,.stp-source-grid small{display:block}
.stp-source-grid span{color:#3a7066;font-size:.66rem;font-weight:900;text-transform:uppercase}
.stp-source-grid strong{margin-top:5px}
.stp-source-grid small{margin-top:5px;color:#665f54;font-size:.72rem;line-height:1.45}
.stp-review-note{margin-top:20px;padding:17px;border-left:4px solid #a47c3d;color:#5e574c;background:#e5ded1}

.stp-faq-band{background:#c9d7d2}
.stp-faq-band>div>h2{margin:0;font-size:clamp(2.2rem,4.5vw,3.8rem);line-height:1;letter-spacing:-.05em}
.stp-faq{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:27px}
.stp-faq details{border:1px solid #aebfba;border-radius:17px;background:#e5ebe7;overflow:hidden}
.stp-faq summary{padding:16px 18px;list-style:none;font-weight:900;cursor:pointer}
.stp-faq summary::-webkit-details-marker{display:none}
.stp-faq summary::after{content:"+";float:right;color:#0f7c6f;font-size:1.2rem}
.stp-faq details[open] summary::after{content:"−"}
.stp-faq details p{margin:0;padding:0 18px 18px;color:#4f6862;font-size:.82rem}

.stp-related-band{color:#eef4f2;background:#113740}
.stp-related{display:grid;grid-template-columns:repeat(4,1fr);gap:13px}
.stp-related a{display:block;padding:21px;border:1px solid rgba(255,255,255,.13);border-radius:19px;color:#fff;background:rgba(255,255,255,.06);text-decoration:none;transition:transform .18s ease,background .18s ease}
.stp-related a:hover{transform:translateY(-2px);background:rgba(255,255,255,.1)}
.stp-related span{display:grid;place-items:center;width:38px;height:38px;border-radius:12px;color:#103a36;background:#34c99c;font-weight:950}
.stp-related strong,.stp-related small{display:block}
.stp-related strong{margin-top:14px;color:#fff}
.stp-related small{margin-top:5px;color:#bdd0cb;font-size:.72rem;line-height:1.45}

.stp-footer{padding:55px 0 20px;color:#c6d5d1;background:#09242d}
.stp-footer__grid{display:grid;grid-template-columns:1.35fr repeat(3,1fr);gap:34px}
.stp-footer .stp-brand img{width:205px}
.stp-footer p{max-width:350px;color:#99b2ac;font-size:.82rem}
.stp-footer h3{margin:0 0 12px;color:#fff;font-size:.9rem}
.stp-footer a{display:block;margin-top:8px;color:#b6cac5;text-decoration:none;font-size:.79rem}
.stp-footer a:hover{color:#8ce1c8}
.stp-footer__bottom{margin-top:32px;padding-top:17px;border-top:1px solid rgba(255,255,255,.11);color:#8da7a1;font-size:.72rem}

@media (max-width:1060px){
  .stp-nav{display:none}
  .stp-header-cta{margin-left:auto}
  .stp-hero__grid{grid-template-columns:minmax(0,1fr) 390px;gap:28px}
  .stp-hero h1{font-size:clamp(3rem,6.8vw,4.7rem)}
  .stp-tool{grid-template-columns:minmax(0,1fr) 390px}
  .stp-calculation{padding-inline:24px}
  .stp-panel__head,.stp-mode{padding-inline:24px}
  .stp-related{grid-template-columns:repeat(2,1fr)}
}

@media (max-width:860px){
  .stp-container{width:min(100% - 28px,700px)}
  .stp-hero{padding:36px 0 42px}
  .stp-hero__grid{display:block}
  .stp-hero__copy{padding:0}
  .stp-visual{min-height:0;margin-top:28px;padding:20px}
  .stp-briefcase{width:180px;height:138px;margin:20px auto 15px}
  .stp-briefcase__body{inset:26px 0 0}
  .stp-briefcase__handle{width:78px;height:36px;border-width:12px}
  .stp-tool{grid-template-columns:1fr;gap:18px}
  .stp-result{position:static;order:2}
  .stp-section-head{display:block;margin-bottom:26px}
  .stp-section-head>.stp-kicker-light{display:inline-flex;margin-bottom:14px}
  .stp-section-head>p:not(.stp-kicker-light){max-width:680px;margin-top:15px}
  .stp-breakdown-grid,.stp-guide-layout,.stp-process-grid,.stp-money-grid,.stp-return-grid,.stp-planning-grid{grid-template-columns:1fr}
  .stp-decision-card,.stp-guide-nav{position:static}
  .stp-guide-nav{grid-template-columns:repeat(2,1fr)}
  .stp-guide-nav>.stp-kicker-light,.stp-guide-nav>div{grid-column:1/-1}
  .stp-scenarios{grid-template-columns:repeat(2,1fr)}
  .stp-example-grid{grid-template-columns:1fr}
  .stp-errors-grid{grid-template-columns:repeat(2,1fr)}
  .stp-money-cards,.stp-planning-steps{grid-template-columns:1fr}
  .stp-footer__grid{grid-template-columns:repeat(2,1fr)}
}

@media (max-width:620px){
  html{scroll-padding-top:20px}
  body{font-size:15px}
  .stp-container{width:min(100% - 22px,700px)}
  .stp-header__inner{min-height:66px}
  .stp-brand img{width:166px}
  .stp-header-cta{display:none}
  .stp-hero{padding:23px 0 30px}
  .stp-breadcrumb{margin-bottom:20px;font-size:.72rem}
  .stp-hero h1{font-size:clamp(2.55rem,13vw,3.6rem)}
  .stp-lead{font-size:.93rem;line-height:1.65}
  .stp-hero__actions{display:grid}
  .stp-hero__actions .stp-btn{width:100%}
  .stp-proof{display:grid;grid-template-columns:repeat(2,1fr)}
  .stp-proof span{justify-content:center;text-align:center}
  .stp-visual{border-radius:26px}
  .stp-briefcase{display:none}
  .stp-visual__amount{margin-top:19px}
  .stp-visual__amount strong{font-size:2.5rem}
  .stp-visual__stats{grid-template-columns:1fr 1fr}
  .stp-visual__stats div:last-child{grid-column:1/-1}
  .stp-anchor{display:none}
  .stp-tool-band{padding:22px 0 40px}
  .stp-card{border-radius:25px}
  .stp-panel__head{display:block;padding:23px 18px 18px}
  .stp-live{margin-top:12px}
  .stp-mode{grid-template-columns:1fr;padding:0 18px 18px}
  .stp-calculation{padding:22px 18px 24px}
  .stp-intro{grid-template-columns:1fr}
  .stp-intro>span{justify-self:start}
  .stp-choice-grid--reason,.stp-choice-grid--duration,.stp-pro-grid{grid-template-columns:1fr}
  .stp-step{grid-template-columns:38px 1fr}
  .stp-step>span{width:38px;height:38px;border-radius:12px}
  .stp-note{grid-template-columns:1fr}
  .stp-actions{display:grid}
  .stp-actions .stp-btn,.stp-actions .stp-reset{width:100%;min-height:46px}
  .stp-privacy{padding:14px 18px 18px}
  .stp-result{padding:18px}
  .stp-result__top{display:block}
  .stp-result__top>span{display:inline-flex;margin-top:10px}
  .stp-result__main output{font-size:clamp(2.5rem,13vw,3.5rem)}
  .stp-section{padding:54px 0}
  .stp-section-head>h2,.stp-faq-band>div>h2,.stp-money-grid h2,.stp-return-grid h2,.stp-planning-grid h2{font-size:clamp(2rem,10vw,2.9rem)}
  .stp-scenarios,.stp-errors-grid,.stp-related,.stp-source-grid,.stp-faq,.stp-guide-nav{grid-template-columns:1fr}
  .stp-breakdown-grid,.stp-guide-layout,.stp-process-grid,.stp-money-grid,.stp-return-grid,.stp-planning-grid{gap:16px}
  .stp-reading,.stp-longread>article,.stp-decision-card,.stp-process-panel,.stp-money-grid>div,.stp-money-grid>aside,.stp-return-grid>div,.stp-return-grid>aside,.stp-example-grid article,.stp-planning-grid>div,.stp-planning-grid>aside{padding:21px}
  .stp-process-steps article{grid-template-columns:40px minmax(0,1fr);padding:17px}
  .stp-process-steps article>span{width:40px;height:40px;border-radius:12px}
  .stp-table-wrap{border:0;background:transparent;overflow:visible}
  .stp-table,.stp-table tbody,.stp-table tr,.stp-table td{display:block;width:100%}
  .stp-table thead{display:none}
  .stp-table tr{margin-top:10px;padding:13px;border:1px solid #adbfba;border-radius:15px;background:#e5ebe7}
  .stp-table td{display:grid;grid-template-columns:105px minmax(0,1fr);gap:10px;padding:4px 0;border:0;font-size:.74rem}
  .stp-table td::before{color:#58716b;font-size:.64rem;font-weight:900;text-transform:uppercase}
  .stp-table td:nth-child(1)::before{content:"Položka"}
  .stp-table td:nth-child(2)::before{content:"Hodnota"}
  .stp-table td:nth-child(3)::before{content:"Význam"}
  .stp-footer__grid{grid-template-columns:1fr;gap:22px}
}

@media (max-width:390px){
  .stp-proof{grid-template-columns:1fr}
  .stp-result__label{display:block}
  .stp-result__label b{display:inline-flex;margin-top:6px}
  .stp-metrics{grid-template-columns:1fr}
}

@media print{
  .stp-header,.stp-hero,.stp-anchor,.stp-panel,.stp-section,.stp-footer,.stp-result__actions{display:none!important}
  .stp-tool-band{padding:0;background:#fff}
  .stp-tool{display:block}
  .stp-result{position:static;color:#000;background:#fff;box-shadow:none}
}