.calc-hub{--navy:#032561;--gold:#c9a84c;--gold-2:#f0e6c8;--text:#444;--muted:#6b7280;--light:#9ca3af;--border:#e5e7eb;--bg:#fff;--soft:#fafbfc;--soft-2:#eef2fb}.calc-hub,.calc-hub *{box-sizing:border-box}.calc-hub{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--text);line-height:1.6;max-width:1080px;margin:0 auto;padding:clamp(28px,5vw,60px) clamp(18px,4vw,32px) clamp(44px,6vw,76px)}.hub-hero{position:relative;margin-bottom:clamp(34px,5vw,56px)}.hub-hero:before{content:"";position:absolute;right:-30px;top:-44px;width:240px;height:240px;background:radial-gradient(circle at center,rgba(201,168,76,.12),rgba(201,168,76,0) 68%);pointer-events:none;z-index:0}.hub-hero>*{position:relative;z-index:1}.hub-badge{display:inline-flex;align-items:center;gap:7px;background:var(--soft-2);color:var(--navy);border:1px solid #d8e0f4;border-radius:999px;padding:7px 14px 7px 11px;font-family:'Quicksand',sans-serif;font-weight:600;font-size:12.5px;letter-spacing:.02em}.hub-badge svg{width:15px;height:15px;flex:0 0 auto}.hub-hero h1{font-family:'Quicksand',sans-serif;font-weight:700;color:var(--navy);font-size:clamp(28px,5.2vw,42px);line-height:1.12;letter-spacing:-.015em;margin:18px 0 0}.hub-lead{color:var(--text);font-size:clamp(15px,2.1vw,17px);line-height:1.7;max-width:62ch;margin:16px 0 0}.hub-rule{margin-top:22px;width:64px;height:4px;border-radius:4px;background:linear-gradient(90deg,var(--gold),var(--gold-2))}.calc-group{margin-top:clamp(32px,4.4vw,48px)}.group-title{display:flex;align-items:center;gap:13px;font-family:'Quicksand',sans-serif;font-weight:700;color:var(--navy);font-size:clamp(18px,2.8vw,22px);letter-spacing:-.005em;margin:0 0 18px}.group-title .bar{flex:0 0 auto;width:4px;height:28px;border-radius:4px;background:linear-gradient(180deg,var(--gold),var(--gold-2))}.calc-grid{display:grid;gap:clamp(14px,1.8vw,18px);grid-template-columns:repeat(auto-fill,minmax(285px,1fr))}.calc-card{height:100%;display:flex;flex-direction:column;gap:14px;background:var(--bg);border:1px solid var(--border);border-radius:16px;padding:22px 22px 20px;text-decoration:none;color:inherit;position:relative;overflow:hidden;box-shadow:0 1px 2px rgba(3,37,97,.04);transition:transform .28s cubic-bezier(.2,.7,.3,1),box-shadow .28s ease,border-color .28s ease}.calc-card:after{content:"";position:absolute;right:-40px;top:-40px;width:110px;height:110px;background:radial-gradient(circle at center,rgba(201,168,76,.16),rgba(201,168,76,0) 70%);opacity:0;transition:opacity .3s ease;pointer-events:none}.calc-card:hover,.calc-card:focus-visible{transform:translateY(-4px);box-shadow:0 16px 34px -14px rgba(3,37,97,.26);border-color:#e7dcb4}.calc-card:hover:after{opacity:1}.calc-card:focus-visible{outline:2px solid var(--navy);outline-offset:3px}.calc-card__icon{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:13px;background:var(--soft-2);border:1px solid #e1e8f6;color:var(--navy);transition:background .3s ease,border-color .3s ease}.calc-card:hover .calc-card__icon{background:linear-gradient(135deg,#eef2fb,#f7f0d9);border-color:#ece2bd}.calc-card__icon .ic{width:28px;height:28px;display:block}.calc-card__title{font-family:'Quicksand',sans-serif;font-weight:700;color:var(--navy);font-size:17px;line-height:1.3;margin:0}.calc-card__desc{color:var(--muted);font-size:14px;line-height:1.55;margin:0}.calc-card__cta{margin-top:auto;display:inline-flex;align-items:center;gap:7px;color:var(--navy);font-weight:600;font-size:13.5px;padding-top:4px}.calc-card__cta .arrow{width:16px;height:16px;color:var(--gold);transition:transform .28s cubic-bezier(.2,.7,.3,1)}.calc-card:hover .calc-card__cta .arrow{transform:translateX(4px)}.hub-disclaimer{display:flex;align-items:flex-start;gap:11px;margin-top:clamp(38px,5vw,54px);padding-top:24px;border-top:1px solid var(--border);color:var(--muted);font-size:13px;line-height:1.65}.hub-disclaimer svg{flex:0 0 auto;width:18px;height:18px;margin-top:1px;color:var(--navy);opacity:.85}.hub-disclaimer strong{color:var(--navy);font-weight:600}@media (prefers-reduced-motion:no-preference){.reveal{opacity:0;animation:reveal .6s cubic-bezier(.2,.7,.3,1) forwards;animation-delay:var(--d,0s)}.calc-grid .calc-card:nth-child(1){--d:.04s}.calc-grid .calc-card:nth-child(2){--d:.11s}.calc-grid .calc-card:nth-child(3){--d:.18s}}@keyframes reveal{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}