.calculator-section{background:radial-gradient(circle at 20% 30%,rgba(0,134,137,.06),transparent 40%),radial-gradient(circle at 80% 10%,rgba(39,174,96,.06),transparent 35%),linear-gradient(180deg,#ffffffc7,#f5fcf8f5)}.calc-shell{margin-top:1.75rem;display:grid;grid-template-columns:1.1fr .9fr;gap:2rem;align-items:start}.calc-inputs{display:grid;gap:1.4rem}.calc-field{display:flex;flex-direction:column;gap:.5rem}.calc-field>label{display:flex;align-items:center;gap:.45rem;font-weight:700;font-size:.92rem;color:var(--coop-text-primary)}.calc-amount-display{font-family:Montserrat,sans-serif;font-size:1.6rem;font-weight:700;color:var(--coop-primary);letter-spacing:-.02em}.calc-slider{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:100%;height:8px;border-radius:999px;background:linear-gradient(to right,var(--coop-primary) 0%,var(--coop-primary) var(--slider-percent, 0%),#d4e8e8 var(--slider-percent, 0%),#d4e8e8 100%);outline:none;cursor:pointer;transition:background .1s ease-out}.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--coop-primary);box-shadow:0 2px 8px #00868933;cursor:pointer;transition:transform .15s ease-out,box-shadow .15s ease-out}.calc-slider::-webkit-slider-thumb:hover{transform:scale(1.15);box-shadow:0 4px 14px #0086894d}.calc-slider::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:#fff;border:3px solid var(--coop-primary);box-shadow:0 2px 8px #00868933;cursor:pointer}.calc-range-labels{display:flex;justify-content:space-between;font-size:.78rem;color:var(--coop-text-secondary)}.calc-manual-input{margin-top:.2rem}.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}.calc-text-input,.calc-select{width:100%;min-height:3rem;padding:.75rem .95rem;border:1px solid #c8d8dd;border-radius:14px;font-family:inherit;font-size:.95rem;color:var(--coop-text-primary);background:#fff;transition:border-color .2s ease-out,box-shadow .2s ease-out}.calc-text-input:focus-visible,.calc-select:focus-visible{border-color:var(--coop-primary);box-shadow:0 0 0 3px #00868926;outline:none}.calc-select{cursor:pointer}.calc-hint{font-size:.82rem;color:var(--coop-text-secondary)}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.calc-results{display:grid;gap:1rem}.calc-result-card{padding:1.2rem;border-radius:22px;background:#fff;border:1px solid rgba(0,134,137,.1);box-shadow:0 18px 38px #00868914;display:flex;flex-direction:column;gap:.3rem}.calc-result-main{background:linear-gradient(160deg,#0f766ef0,#008689eb 56%,#27ae60e6);color:#fff;padding:1.6rem;text-align:center}.calc-result-label{font-size:.88rem;font-weight:600;opacity:.85}.calc-result-value{font-family:Montserrat,sans-serif;font-size:1.35rem;font-weight:700;color:var(--coop-primary)}.calc-result-value-main{font-size:2.2rem;color:#fff;letter-spacing:-.02em}.calc-result-sublabel{font-size:.84rem;opacity:.72}.calc-result-interest{color:var(--coop-alert)}.calc-result-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.calc-disclaimer{padding:.8rem 1rem;border-radius:12px;background:var(--coop-primary-tenue);border:1px solid rgba(0,134,137,.1)}.calc-disclaimer p{margin:0;font-size:.82rem;color:var(--coop-text-secondary);line-height:1.5}.calc-cta{width:100%;min-height:3.2rem;border-radius:999px;font-size:1rem;background:linear-gradient(135deg,var(--coop-primary),var(--coop-growth));box-shadow:0 16px 30px #00868929}@media(max-width:1024px){.calc-shell{grid-template-columns:1fr}}@media(max-width:768px){.calc-row,.calc-result-row{grid-template-columns:1fr}.calc-result-value-main{font-size:1.7rem}}:root{--coop-primary: #ef8123;--coop-primary-hover: #d6711d;--coop-primary-light: #f59240;--coop-primary-tenue: #fef0e3;--coop-trust: #008689;--coop-trust-hover: #006d70;--coop-trust-light: #00a0a3;--coop-trust-tenue: #e0f3f3;--coop-dark: #2a6174;--coop-alert: #ef8123;--coop-error: #e74c3c;--coop-bg-warm: #fdf6ef;--coop-text-primary: #2a6174;--coop-text-secondary: #5d6d7e;--coop-radius-friendly: 12px;--coop-radius-button: 10px;--coop-shadow-card: 0 4px 12px rgba(239, 129, 35, .08);--coop-gradient-progress: linear-gradient(90deg, #ef8123 0%, #008689 100%)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Nunito,Open Sans,sans-serif;color:var(--coop-text-primary);background:radial-gradient(circle at 15% 10%,rgba(239,129,35,.07),transparent 45%),radial-gradient(circle at 80% 5%,rgba(0,134,137,.09),transparent 42%),#fdfaf6}h1,h2,h3,strong{font-family:Barlow Condensed,Montserrat,sans-serif}a{color:inherit;text-decoration:none}.icon-svg{display:block;flex:0 0 auto}.icon-sm{width:16px;height:16px}.icon-md{width:20px;height:20px}.icon-xl{width:32px;height:32px}.page-root{position:relative;isolation:isolate;overflow-x:clip}.bg-orb{position:fixed;width:26rem;aspect-ratio:1;border-radius:999px;filter:blur(70px);pointer-events:none;z-index:-1;opacity:.22}.bg-orb-left{left:-8rem;top:5rem;background:var(--coop-primary)}.bg-orb-right{right:-10rem;top:12rem;background:var(--coop-trust-light)}.container{width:min(1200px,92vw);margin:0 auto}.section{padding:5rem 0;animation:rise-in .5s ease-out both}.eyebrow{display:inline-flex;padding:.35rem .75rem;border-radius:999px;background:var(--coop-primary-tenue);color:var(--coop-primary-hover);font-weight:700;font-size:.78rem;letter-spacing:.04em;text-transform:uppercase;font-family:Barlow Condensed,Montserrat,sans-serif}.section-title{margin:1rem 0 .8rem;font-size:clamp(1.7rem,1.3rem + 1.4vw,2.4rem);line-height:1.2}.section-lead{margin:0;color:var(--coop-text-secondary);max-width:64ch}.site-header{position:sticky;top:0;z-index:50;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);background:#fdfaf6db;border-bottom:1px solid rgba(239,129,35,.08)}.nav-shell{display:flex;align-items:center;justify-content:space-between;gap:1.2rem;min-height:4.7rem}.brand{display:inline-flex;align-items:center;gap:.6rem;font-size:1.15rem}.brand-logo,.brand-logo-svg{height:48px;width:auto;object-fit:contain}.brand-copy{color:var(--coop-primary-hover)}.nav-links{display:flex;align-items:center;gap:1.2rem;color:var(--coop-text-secondary);font-weight:600}.nav-links a{position:relative}.nav-links a:after{content:"";position:absolute;left:0;bottom:-.25rem;width:0;height:2px;background:var(--coop-primary);transition:width .25s ease-out}.nav-links a:hover{color:var(--coop-dark)}.nav-links a:hover:after{width:100%}.nav-cta{display:inline-flex;align-items:center;justify-content:center;height:2.6rem;padding:0 1rem;border-radius:var(--coop-radius-button);background:var(--coop-primary);color:#fff;font-weight:700;transition:background-color .2s ease-out}.nav-cta:hover{background:var(--coop-primary-hover)}.hero-grid{display:grid;grid-template-columns:1.08fr 1fr;gap:2rem;align-items:center}.hero-copy h1{margin:1rem 0;font-weight:700;font-size:clamp(2.15rem,1.8rem + 2.1vw,3.7rem);line-height:1.08;letter-spacing:-.03em}.hero-copy p{margin:0;color:var(--coop-text-secondary);max-width:58ch}.hero-actions{display:flex;gap:.85rem;margin-top:1.6rem}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:2.9rem;padding:.6rem 1.1rem;border-radius:var(--coop-radius-button);border:1px solid transparent;font-weight:700;cursor:pointer;transition:transform .25s ease-out,background-color .25s ease-out,border-color .25s ease-out}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--coop-primary);color:#fff}.btn-primary:hover{background:var(--coop-primary-hover)}.btn-secondary{background:#fff;color:var(--coop-primary-hover);border-color:#0086893d}.hero-stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}.stat-card{padding:1rem;border-radius:var(--coop-radius-friendly);background:#ffffffdb;border:1px solid rgba(0,134,137,.11);box-shadow:var(--coop-shadow-card)}.icon-wrap{display:inline-grid;place-items:center;width:2rem;height:2rem;border-radius:999px;background:var(--coop-primary-tenue);color:var(--coop-primary)}.stat-title{margin:.8rem 0 0;font-size:.9rem;color:var(--coop-text-secondary)}.stat-value{display:block;margin-top:.35rem;font-size:1.32rem;color:var(--coop-text-primary)}.stat-hint{margin:.35rem 0 0;font-size:.84rem;color:var(--coop-text-secondary)}.services-section{background:linear-gradient(180deg,#fef0e380,#fef0e329),#fff}.services-grid{margin-top:1.75rem;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.2rem}.service-card{padding:1.3rem;border-radius:var(--coop-radius-friendly);background:#fff;border:1px solid rgba(239,129,35,.14);box-shadow:var(--coop-shadow-card);transition:transform .25s ease-out}.service-card:hover{transform:translateY(-4px)}.service-icon{display:inline-grid;place-items:center;width:3.1rem;height:3.1rem;border-radius:50%;background:var(--coop-primary-tenue);color:var(--coop-primary-hover)}.service-card h3{margin:.95rem 0 0;font-size:1.1rem}.service-card p{margin:.7rem 0 0;color:var(--coop-text-secondary);min-height:4.5rem}.service-card a{display:inline-flex;margin-top:.7rem;color:var(--coop-primary-hover);font-weight:700}.benefits-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.8rem;align-items:start}.benefit-list{display:grid;gap:.9rem}.benefit-item{display:grid;grid-template-columns:auto 1fr;gap:.8rem;align-items:start;padding:.95rem;border-radius:var(--coop-radius-friendly);background:#fff;border:1px solid rgba(0,134,137,.12)}.benefit-item h3{margin:.15rem 0 0;font-size:1rem}.benefit-item p{margin:.45rem 0 0;color:var(--coop-text-secondary)}.forms-section{background:radial-gradient(circle at 12% 25%,rgba(239,129,35,.1),transparent 30%),radial-gradient(circle at 86% 15%,rgba(0,134,137,.08),transparent 34%),#fff}.forms-shell{display:grid;grid-template-columns:.9fr 1.1fr;gap:1.6rem;align-items:start}.forms-card{padding:1rem;border-radius:16px;background:#fff;border:1px solid rgba(239,129,35,.15);box-shadow:0 8px 24px #ef81231a}.tab-list{display:flex;gap:.5rem;margin-bottom:1rem}.tab{flex:1;display:inline-flex;align-items:center;justify-content:center;gap:.35rem;min-height:2.5rem;border-radius:8px;border:1px solid rgba(239,129,35,.14);background:#fff;color:var(--coop-text-secondary);cursor:pointer;transition:all .2s ease-out}.tab.is-active{background:var(--coop-primary-tenue);color:var(--coop-primary-hover);border-color:#ef81235c}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.85rem}.form-grid label{display:flex;flex-direction:column;gap:.4rem;font-weight:600;font-size:.87rem;color:var(--coop-text-primary)}.field-full{grid-column:1 / -1}.form-grid input,.form-grid select,.form-grid textarea{border:1px solid rgba(239,129,35,.18);border-radius:10px;min-height:2.65rem;padding:.7rem .78rem;font-family:inherit;font-size:.95rem;color:var(--coop-text-primary);background:#fff;transition:all .2s ease-out}.form-grid input:focus-visible,.form-grid select:focus-visible,.form-grid textarea:focus-visible{border-color:var(--coop-primary);box-shadow:0 0 0 3px #ef812326;outline:none}.form-grid textarea{resize:vertical;min-height:6.2rem}.feedback{margin:.2rem 0 0;padding:.8rem 1rem;border-radius:9px;font-size:.9rem;grid-column:1 / -1;display:flex;align-items:center;gap:.6rem}.feedback-success{color:#006d70;background:var(--coop-trust-tenue);border:1px solid rgba(0,134,137,.25)}.feedback-info{color:#1b5f7c;background:#3498db17;border:1px solid rgba(52,152,219,.25)}.feedback-error{color:#9f2d24;background:#e74c3c1a;border:1px solid rgba(231,76,60,.25)}.testimonials-section{background:var(--coop-bg-warm)}.testimonial-card{border:1px solid rgba(239,129,35,.1)}.testimonials-grid{margin-top:1.6rem;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}.testimonial-card{border-radius:var(--coop-radius-friendly);background:#fff;padding:1.1rem;border:1px solid rgba(0,134,137,.1);box-shadow:var(--coop-shadow-card)}.quote{margin:0;color:var(--coop-text-primary);line-height:1.52}.person{margin:1rem 0 0;font-weight:700}.role{margin:.2rem 0 0;color:var(--coop-text-secondary);font-size:.9rem}.faq-shell{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}.faq-list{display:grid;gap:.75rem}.faq-item{border-radius:10px;border:1px solid rgba(239,129,35,.18);background:#fff;padding:.8rem .95rem}.faq-item summary{cursor:pointer;font-weight:700}.faq-item p{margin:.6rem 0 0;color:var(--coop-text-secondary)}.site-footer{border-top:1px solid rgba(239,129,35,.12);background:#fff}.footer-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.1rem;padding:2rem 0}.footer-brand{margin:0 0 .6rem;font-size:1.2rem;color:var(--coop-primary-hover)}.footer-title{margin:0 0 .55rem;font-weight:700}.footer-grid p{margin:.2rem 0;color:var(--coop-text-secondary)}.footer-grid a{display:block;margin:.2rem 0;color:var(--coop-text-secondary)}.footer-bottom{border-top:1px solid rgba(0,134,137,.1)}.footer-bottom p{margin:0;padding:.95rem 0;color:var(--coop-text-secondary);font-size:.86rem}body{background:radial-gradient(circle at 10% 12%,rgba(239,129,35,.09),transparent 34%),radial-gradient(circle at 88% 0%,rgba(0,134,137,.1),transparent 28%),linear-gradient(180deg,#fdfaf6,#f9f2ea)}.site-header{position:sticky;top:0;z-index:60;-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px);background:#fdfaf6d1;border-bottom:1px solid rgba(239,129,35,.08)}.nav-shell{display:grid;grid-template-columns:auto auto 1fr auto auto;align-items:center;gap:1rem;min-height:5.2rem}.nav-meta{display:grid;gap:.2rem}.nav-domain{display:inline-flex;align-items:center;width:fit-content;padding:.35rem .8rem;border-radius:999px;border:1px solid rgba(239,129,35,.14);background:#ffffffd1;color:var(--coop-primary-hover);font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.nav-caption{color:var(--coop-text-secondary);font-size:.86rem}.nav-toggle{display:none;align-items:center;justify-content:center;width:2.9rem;height:2.9rem;border-radius:14px;border:1px solid rgba(239,129,35,.14);background:#ffffffdb;color:var(--coop-primary-hover)}.nav-links{justify-self:center;padding:.45rem;border-radius:999px;background:#ffffffb8;border:1px solid rgba(239,129,35,.08);box-shadow:0 12px 32px #ef81230f}.nav-links a{padding:.75rem 1rem;border-radius:999px}.nav-links a:hover,.nav-links a:focus-visible{background:#fef0e3d1}.nav-links a:after{display:none}.nav-cta{height:3rem;padding-inline:1.25rem;border-radius:999px;background:linear-gradient(135deg,var(--coop-primary),var(--coop-primary-light));box-shadow:0 16px 30px #ef812338}.hero.section{padding-top:5.7rem}.hero-grid{grid-template-columns:minmax(0,.96fr) minmax(0,1.04fr);gap:2.4rem;align-items:stretch}.hero-copy h1{max-width:10.5ch}.hero-copy p{font-size:1rem;line-height:1.8}.hero-trust{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.5rem}.hero-trust span{display:inline-flex;align-items:center;min-height:2.5rem;padding:0 .95rem;border-radius:999px;border:1px solid rgba(239,129,35,.14);background:#ffffffd6;color:var(--coop-text-primary);font-size:.88rem;font-weight:700;box-shadow:0 10px 24px #ef81230f}.hero-actions{margin-top:2rem}.hero-stage-shell{height:100%;padding:1.35rem;border-radius:28px;background:linear-gradient(160deg,#2a6174f5,#008689f0 52%,#ef8123eb);box-shadow:0 28px 60px #2a617438;color:#fff}.hero-stage-header{margin-bottom:1.2rem}.hero-stage-kicker{margin:0;font-size:.75rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#e8fff6d1}.hero-stage-header h2{margin:.9rem 0 0;font-size:clamp(1.4rem,1.1rem + .9vw,2rem);line-height:1.2;color:#fff}.hero-stats{gap:1rem}.stat-card{min-height:12.4rem;padding:1.2rem;border-radius:20px;background:#ffffff24;border:1px solid rgba(255,255,255,.12);box-shadow:none;-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px)}.stat-title,.stat-hint{color:#f0fdf4d6}.stat-value{color:#fff;font-size:1.56rem}.icon-wrap{width:2.6rem;height:2.6rem;background:#ffffff24;color:#fff}.hero-journey{display:grid;gap:.9rem;margin-top:1.1rem}.hero-journey-item{display:grid;grid-template-columns:auto 1fr;gap:.85rem;align-items:start;padding:1rem 1.05rem;border-radius:18px;background:#0f172a29;border:1px solid rgba(255,255,255,.1)}.hero-journey-item>span{display:inline-flex;align-items:center;justify-content:center;min-width:2.4rem;height:2.4rem;border-radius:999px;background:#ffffff24;font-family:Montserrat,sans-serif;font-weight:700}.hero-journey-item strong{font-size:.98rem}.hero-journey-item p{margin:.35rem 0 0;color:#f0fdf4c7;font-size:.9rem;line-height:1.55}.service-card,.benefit-item,.testimonial-card,.faq-item,.forms-card,.footer-grid>div{border-radius:22px}.service-card,.testimonial-card,.faq-item,.forms-card{box-shadow:0 18px 38px #00868914}.services-section,.testimonials-section{background:transparent}.services-grid,.testimonials-grid{gap:1.35rem}.service-card{padding:1.5rem}.service-icon{width:3.5rem;height:3.5rem;border-radius:18px}.service-card p{min-height:5.4rem}.forms-section{background:radial-gradient(circle at 8% 20%,rgba(239,129,35,.09),transparent 24%),radial-gradient(circle at 88% 0%,rgba(0,134,137,.08),transparent 24%),linear-gradient(180deg,#ffffffc7,#fdf6edf5)}.forms-shell{grid-template-columns:minmax(0,.82fr) minmax(0,1.18fr);gap:2rem}.forms-intro{display:grid;gap:1rem;align-content:start}.forms-sidecards{display:grid;gap:.9rem;margin-top:.4rem}.forms-sidecard{padding:1rem 1.05rem;border-radius:18px;border:1px solid rgba(0,134,137,.1);background:#ffffffd6;box-shadow:0 14px 30px #0086890f}.forms-sidecard span{display:inline-flex;align-items:center;padding:.35rem .7rem;border-radius:999px;background:var(--coop-primary-tenue);color:var(--coop-primary);font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.forms-sidecard p{margin:.8rem 0 0;color:var(--coop-text-secondary);line-height:1.65}.forms-card{padding:1.2rem;border:1px solid rgba(0,134,137,.1);background:#ffffffe6}.tab-list{gap:.75rem;padding:.3rem;border-radius:18px;background:#fef0e3b8}.tab{min-height:3.1rem;border-radius:14px}.form-grid{gap:1rem;margin-top:1rem}.form-grid label{gap:.5rem;font-size:.92rem;font-weight:600}.form-grid input,.form-grid select,.form-grid textarea{min-height:3.25rem;padding:.85rem .95rem;border-radius:14px}.form-grid textarea{min-height:7rem}.faq-item{padding:1rem 1.05rem}.site-footer{margin-top:2rem;background:linear-gradient(180deg,#ffffffd1,#f5fcf8f5)}@media(max-width:1024px){.nav-shell{grid-template-columns:auto 1fr auto auto}.nav-meta{display:none}.forms-shell{grid-template-columns:1fr}}:focus-visible{outline:2px solid var(--coop-primary);outline-offset:2px}@keyframes rise-in{0%{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}@media(max-width:1024px){.hero-grid,.benefits-grid,.forms-shell,.faq-shell{grid-template-columns:1fr}.services-grid,.testimonials-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.hero-copy{order:1}.hero-stats{order:2}}@media(max-width:768px){.section{padding:3rem 0}.nav-shell{grid-template-columns:auto 1fr auto;padding:.85rem 0;min-height:auto}.nav-links{display:none;width:100%;grid-column:1 / -1;justify-self:stretch;flex-direction:column;align-items:stretch;border-radius:24px;padding:.75rem;margin-top:.25rem}.nav-links.is-open{display:flex}.nav-links a{width:100%;border-radius:14px}.nav-toggle{display:inline-flex}.hero-actions{flex-direction:column;align-items:stretch}.hero-stats,.services-grid,.testimonials-grid,.form-grid,.footer-grid{grid-template-columns:1fr}.tab-list{flex-direction:column}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}}