:root{--navy:#102747;--blue:#1767b1;--blue2:#eaf4ff;--ink:#172b43;--muted:#65758a;--line:#e1e8f0;--surface:#fff;--soft:#f5f8fc;--green:#0b8068;--shadow:0 12px 34px rgba(22,48,78,.07)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:15px;line-height:1.6}a{color:inherit;text-decoration:none}button,input,select{font:inherit}.container{width:min(1120px,calc(100% - 40px));margin-inline:auto}.site-header{height:76px;border-bottom:1px solid var(--line);background:rgba(255,255,255,.96);position:-webkit-sticky;position:sticky;top:0;z-index:20;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px)}.nav-inner{height:100%;display:flex;gap:28px}.brand,.nav-inner{align-items:center}.brand{display:inline-flex;gap:10px;font-size:23px;font-weight:800;letter-spacing:-.8px;white-space:nowrap}.brand>span:last-child>span{color:var(--blue)}.brand-mark{width:36px;height:36px;display:grid;place-items:center;border-radius:11px;background:var(--navy);color:#fff}.desktop-nav{display:flex;gap:24px;margin-left:auto;color:#53657b;font-size:13px;font-weight:600}.desktop-nav a:hover,.footer-links a:hover{color:var(--blue)}.nav-cta{background:var(--blue);color:white;padding:11px 15px;border-radius:9px;font-size:13px;font-weight:700;white-space:nowrap}.nav-cta span{margin-left:8px}.mobile-menu{display:none;position:relative}.mobile-menu summary{list-style:none;cursor:pointer}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu-panel{position:absolute;right:0;top:40px;width:220px;padding:10px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:12px;display:grid;grid-gap:3px;gap:3px}.mobile-menu-panel a{padding:10px;border-radius:7px}.mobile-menu-panel a:hover{background:var(--soft)}.hero{background:radial-gradient(ellipse at 80% 15%,#e7f2ff 0,transparent 38%),linear-gradient(180deg,#f7faff,#fff);padding:76px 0 68px}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;align-items:center;grid-gap:64px;gap:64px}.eyebrow{color:var(--blue);font-size:11px;font-weight:800;letter-spacing:1.4px;display:flex;align-items:center;gap:8px}.eyebrow-dot{width:7px;height:7px;background:#2aa58c;border-radius:50%}.hero h1{font-size:clamp(42px,5.2vw,64px);line-height:1.05;letter-spacing:-2.8px;margin:20px 0 18px;max-width:650px}.hero h1 span{color:var(--blue)}.hero-text{font-size:17px;line-height:1.8;color:var(--muted);max-width:560px;margin:0}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:27px}.button{display:inline-flex;align-items:center;justify-content:center;gap:9px;border-radius:9px;padding:13px 17px;font-size:13px;font-weight:700;transition:transform .15s,background .15s}.button:hover{transform:translateY(-1px)}.button-primary{background:var(--blue);color:white;box-shadow:0 7px 15px #1767b126}.button-secondary{border:1px solid #d8e1ec;background:#fff}.trust-row{display:flex;align-items:center;gap:8px;margin-top:24px;color:#66778c;font-size:12px}.trust-row svg{color:var(--green)}.hero-side{min-height:300px;border:1px solid #dce8f5;border-radius:20px;background:linear-gradient(145deg,#fff,#f0f7ff);padding:24px;display:flex;flex-direction:column;justify-content:space-between;box-shadow:0 25px 70px #183d6510;position:relative;overflow:hidden}.hero-side:after{content:"₱";position:absolute;right:-8px;top:30px;font-size:180px;line-height:1;color:#1767b108;font-weight:900}.hero-note{display:flex;gap:13px;align-items:center;position:relative;z-index:1}.closing-icon,.guide-icon,.note-icon,.tool-icon{display:grid;place-items:center;background:var(--blue2);color:var(--blue);border-radius:12px;flex-shrink:0}.note-icon{width:46px;height:46px}.hero-note span,.hero-note strong{display:block}.hero-note strong{font-size:14px}.hero-note span{font-size:12px;color:var(--muted);margin-top:3px}.mini-stat{position:relative;z-index:1;border:1px solid #e2eaf4;background:#ffffffd9;padding:20px;border-radius:14px;display:grid;grid-gap:5px;gap:5px}.mini-stat>span:first-child{font-size:12px;color:var(--muted)}.mini-stat strong{font-size:28px;letter-spacing:-.8px}.mini-stat .mini-line{height:5px;width:100%;background:linear-gradient(90deg,#1767b1 0 70%,#e0eaf5 70%);border-radius:8px;margin-top:7px}.section{padding-top:68px;padding-bottom:68px}.section-muted{background:#f7f9fc}.section-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:27px}.section-heading h2{font-size:30px;line-height:1.2;letter-spacing:-1px;margin:8px 0}.section-heading p{margin:0;color:var(--muted);font-size:14px}.section-kicker{border:1px solid var(--line);border-radius:100px;padding:7px 12px;color:#53657b;font-size:12px;font-weight:700;white-space:nowrap}.calculator-shell{display:grid;grid-template-columns:1fr .92fr;border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:var(--shadow)}.calculator-form{padding:27px;display:grid;grid-template-columns:1fr 1fr;grid-gap:16px 14px;gap:16px 14px}.calculator-top{grid-column:1/-1;display:flex;align-items:center;gap:12px;margin-bottom:3px}.calc-heading-icon{width:42px;height:42px;border-radius:12px;background:var(--blue2);color:var(--blue);display:grid;place-items:center}.calculator-top h3{margin:0;font-size:17px}.calculator-top p{margin:1px 0 0;font-size:12px;color:var(--muted)}.field{display:flex;flex-direction:column;gap:7px;min-width:0}.field label{font-size:12px;font-weight:700;color:#354960}.field input,.field select{width:100%;min-width:0;border:1px solid #d8e1eb;border-radius:8px;padding:11px 12px;background:#fff;color:var(--ink);outline:none}.field input:focus,.field select:focus{border-color:#4a94db;box-shadow:0 0 0 3px #1767b11c}.field-help{font-size:10px;line-height:1.4;color:var(--muted)}.reset-button{grid-column:1/-1;justify-self:start;display:inline-flex;gap:7px;align-items:center;background:transparent;border:0;color:#64758a;font-size:12px;cursor:pointer;padding:5px 0}.reset-button:hover{color:var(--blue)}.calculator-result{padding:30px;background:#f3f8ff;border-left:1px solid #e1eaf4}.result-label{display:flex;align-items:center;gap:8px;color:var(--blue);font-size:10px;letter-spacing:1.1px;font-weight:800}.takehome-label{margin-top:22px;font-size:13px;color:#566a81}.takehome-value{font-size:clamp(30px,3.5vw,42px);line-height:1.25;letter-spacing:-1.4px;font-weight:800;color:var(--navy);overflow-wrap:anywhere}.result-period{font-size:11px;color:var(--muted);margin-top:4px}.result-divider{height:1px;background:#dce6f1;margin:20px 0}.breakdown-row{display:flex;justify-content:space-between;gap:15px;margin:12px 0;font-size:12px;color:#52657b}.breakdown-row strong{font-size:12px;color:#20354c;white-space:nowrap}.breakdown-row.total{padding-top:12px;border-top:1px solid #dce6f1;font-weight:700;color:#20354c}.breakdown-row.deduction strong{color:#9a5360}.breakdown-row.final{font-size:13px;color:var(--navy);font-weight:800}.breakdown-row.final strong{font-size:16px;color:var(--blue)}.result-alert{display:flex;gap:9px;padding:12px;background:#fff8e9;border:1px solid #f4e4bb;border-radius:9px;color:#8a661e;margin-top:22px}.result-alert svg{flex-shrink:0;margin-top:1px}.result-alert p{font-size:10px;line-height:1.6;margin:0}.small-note{font-size:11px;line-height:1.7;color:#697b8f;margin:12px 0 0}.tool-grid{display:grid;grid-template-columns:repeat(4,1fr);grid-gap:15px;gap:15px}.tool-card{padding:21px;border:1px solid var(--line);background:#fff;border-radius:13px;transition:transform .15s,box-shadow .15s}.tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.tool-icon{width:44px;height:44px;margin-bottom:20px}.tool-card-title{display:flex;align-items:center;justify-content:space-between;gap:8px;font-size:14px;font-weight:800}.tool-card-title svg{color:#8da0b5;flex-shrink:0}.tool-card p{font-size:12px;color:var(--muted);line-height:1.7;margin:9px 0 0}.ad-section{padding-top:26px;padding-bottom:10px}.ad-slot{min-height:100px;border:1px dashed #cbd6e2;border-radius:10px;background:#fafbfd;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;color:#93a0af}.ad-slot span{font-size:11px;text-transform:uppercase;letter-spacing:1px}.ad-slot small{font-size:10px}.text-link{display:inline-flex;align-items:center;gap:7px;font-size:13px;font-weight:700;color:var(--blue);white-space:nowrap}.guide-list{border-top:1px solid var(--line)}.guide-item{display:flex;align-items:center;gap:15px;padding:18px 4px;border-bottom:1px solid var(--line)}.guide-icon{width:42px;height:42px;border-radius:10px}.guide-copy{display:flex;flex-direction:column;gap:4px;flex:1 1}.guide-copy strong{font-size:14px}.guide-copy span{font-size:12px;color:var(--muted)}.guide-arrow{color:#92a3b5}.closing-band{background:var(--navy);color:#fff;padding:35px 0}.closing-inner{display:flex;align-items:center;gap:18px}.closing-icon{width:52px;height:52px;background:#ffffff16;color:#8fd4ff}.closing-inner>div:nth-child(2){flex:1 1}.closing-inner h2{font-size:19px;margin:0 0 5px;letter-spacing:-.3px}.closing-inner p{font-size:12px;color:#c4d1e0;margin:0}.button-light{background:#fff;color:var(--navy);white-space:nowrap}.site-footer{background:#fbfcfe;border-top:1px solid var(--line);padding:42px 0 0}.footer-main{display:flex;justify-content:space-between;gap:45px;padding-bottom:32px}.brand-footer{font-size:21px}.brand-footer .brand-mark{width:32px;height:32px}.footer-brand p{max-width:240px;font-size:12px;color:var(--muted);line-height:1.7}.footer-links{display:flex;gap:55px}.footer-links>div{display:flex;flex-direction:column;gap:9px;min-width:100px}.footer-links strong{font-size:12px;margin-bottom:4px}.footer-links a{font-size:12px;color:var(--muted)}.footer-bottom{border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:15px;padding:17px 0;color:#8592a2;font-size:10px}.content-page{padding:58px 0 80px;min-height:60vh}.content-wrap{max-width:820px;margin:auto}.content-page h1{font-size:clamp(32px,4vw,44px);line-height:1.15;letter-spacing:-1.5px;margin:12px 0}.content-page .lead{font-size:17px;color:var(--muted);line-height:1.8}.content-page h2{font-size:22px;margin:30px 0 10px}.content-page li,.content-page p{color:#52657b;line-height:1.85}.content-page .content-card{padding:22px;border:1px solid var(--line);border-radius:12px;background:#fff;margin:20px 0}.content-page .content-card h2{margin-top:0}.content-page a.inline-link{color:var(--blue);text-decoration:underline}.simple-calculator{max-width:720px;margin:24px auto;border:1px solid var(--line);border-radius:15px;padding:24px;box-shadow:var(--shadow)}.simple-calculator label{display:block;font-size:13px;font-weight:700;margin:14px 0 6px}.simple-calculator input{width:100%;border:1px solid #d8e1eb;border-radius:8px;padding:12px}.simple-result{background:#f1f7ff;padding:18px;border-radius:10px;margin-top:18px}.simple-result strong{font-size:28px;color:var(--navy)}@media(max-width:900px){.desktop-nav{gap:13px}.hero-grid{gap:35px}.tool-grid{grid-template-columns:repeat(2,1fr)}.calculator-shell{grid-template-columns:1fr}.calculator-result{border-left:0;border-top:1px solid var(--line)}.footer-links{gap:28px}}@media(max-width:650px){.container{width:min(100% - 30px,1120px)}.site-header{height:66px}.nav-inner{gap:13px}.brand{font-size:21px}.desktop-nav,.nav-cta{display:none}.mobile-menu{display:block;margin-left:auto}.hero{padding:49px 0 43px}.hero-grid{grid-template-columns:1fr;gap:28px}.hero h1{font-size:43px;letter-spacing:-2px}.hero-text{font-size:15px}.hero-side{min-height:210px;padding:18px}.mini-stat{padding:14px}.mini-stat strong{font-size:23px}.section{padding-top:47px;padding-bottom:47px}.section-heading{align-items:flex-start}.section-heading h2{font-size:26px}.section-heading p{font-size:12px}.calculator-form{padding:19px;grid-template-columns:1fr;gap:13px}.calculator-result{padding:22px 19px}.tool-grid{gap:10px}.tool-card{padding:15px}.tool-icon{margin-bottom:14px;width:39px;height:39px}.tool-card-title{font-size:12px}.tool-card p{font-size:11px}.guide-item{gap:11px}.guide-copy span{font-size:11px}.closing-inner{align-items:flex-start;flex-wrap:wrap}.closing-inner>div:nth-child(2){min-width:calc(100% - 75px)}.button-light{margin-left:70px}.footer-main{flex-direction:column;gap:25px}.footer-links{gap:20px;justify-content:space-between}.footer-links>div{min-width:0}.footer-bottom{flex-direction:column;gap:5px}.section-kicker{font-size:10px;padding:6px 9px}}.contact-form{margin-top:24px}.contact-form-grid{display:grid;grid-template-columns:1fr 1fr;grid-gap:18px;gap:18px}.contact-form .field label{font-size:13px}.contact-form .field input,.contact-form .field select,.contact-form .field textarea{width:100%;min-width:0;border:1px solid #d8e1eb;border-radius:8px;padding:12px;background:#fff;color:var(--ink);outline:none}.contact-form .field input:focus,.contact-form .field select:focus,.contact-form .field textarea:focus{border-color:#4a94db;box-shadow:0 0 0 3px #1767b11c}.contact-form .field textarea{resize:vertical;min-height:140px}.contact-message-field{grid-column:1/-1}.contact-honeypot{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}.contact-privacy{font-size:12px!important;color:var(--muted)!important;margin:15px 0!important}.contact-submit{border:0;cursor:pointer}.contact-submit:disabled{opacity:.65;cursor:wait}.contact-status{font-size:13px!important;margin:14px 0 0!important;padding:12px;border-radius:8px}.contact-status.is-success{color:#116b53!important;background:#eaf8f2;border:1px solid #bfe8d8}.contact-status.is-error{color:#8f2635!important;background:#fff0f1;border:1px solid #f2c6cb}@media(max-width:650px){.contact-form-grid{grid-template-columns:1fr}.contact-message-field{grid-column:auto}}