*{box-sizing:border-box}
:root{--bg:#f5f6fb;--card:#fff;--text:#0b1533;--muted:#5b6478;--line:#e4e7f0;--navy:#0b1533;--hl:#facc15;--good:#047857;--bad:#be123c;--radius:20px;color-scheme:light}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font:16px/1.65 "Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",sans-serif}
a{color:var(--ink)}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
h1{font-size:2.6rem;line-height:1.1;font-weight:800;letter-spacing:-.02em;margin:.3em 0 .3em}
h2{font-size:1.6rem;line-height:1.25;font-weight:800;letter-spacing:-.01em;margin:1.8em 0 .5em}
h3{font-size:1.15rem;margin:1.4em 0 .4em}
.lead{font-size:1.12rem;color:#3d4660;max-width:760px;margin:0}
@media (max-width:640px){h1{font-size:2rem}}

/* header */
.site-header{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.site-header .wrap{display:flex;align-items:center;gap:20px;min-height:66px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.2rem;color:var(--text);text-decoration:none;white-space:nowrap}
.logo-mark{display:inline-grid;place-items:center;width:36px;height:36px;border-radius:11px;background:#4f46e5;color:#fff;font-size:1rem}
.nav{display:flex;gap:8px;margin-left:auto;flex-wrap:wrap}
.nav a.pill{color:var(--ink);background:var(--accent-soft);text-decoration:none;font-size:.9rem;font-weight:700;padding:7px 14px;border-radius:999px;transition:transform .15s}
.nav a.pill:hover{transform:translateY(-1px)}
.nav a.pill.on{background:var(--accent);color:#fff}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;color:var(--text);font-size:1.2rem;padding:6px 12px}
@media (max-width:820px){.menu-btn{display:block}.nav{display:none;position:absolute;top:66px;left:0;right:0;background:var(--card);flex-direction:column;align-items:flex-start;padding:14px 20px;border-bottom:1px solid var(--line)}body.nav-open .nav{display:flex}}

/* full-bleed colored bands */
.band{position:relative;background:var(--band);box-shadow:0 0 0 100vmax var(--band);clip-path:inset(0 -100vmax);margin-bottom:28px}
.band-soft{--band:var(--accent-soft);padding:30px 0 36px}
.band-dark{--band:var(--navy);color:#fff}
.crumbs{font-size:.88rem;color:var(--muted);margin:0 0 12px}
.crumbs a{color:var(--muted)}
.sec-badge{display:inline-flex;align-items:center;gap:7px;background:var(--accent);color:#fff;text-decoration:none;font-size:.82rem;font-weight:700;padding:6px 14px;border-radius:999px}
.hero-icon{display:inline-grid;place-items:center;width:56px;height:56px;border-radius:16px;background:var(--accent);color:#fff}

/* home hero */
.hero-home{display:flex;flex-wrap:wrap;gap:44px;align-items:center;padding:64px 0 72px}
.hero-text{flex:1 1 460px;min-width:0}
.eyebrow{display:inline-block;margin:0 0 16px;background:rgba(255,255,255,.1);padding:6px 14px;border-radius:999px;font-size:.88rem;font-weight:600;color:#c7d2fe}
.hero-home h1{font-size:3.6rem;line-height:1.05;margin:0 0 18px;color:#fff}
.hero-home .hl{color:var(--hl)}
.hero-home .lead{color:#cbd2e6;font-size:1.18rem;max-width:560px}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-block;text-decoration:none;font-weight:700;padding:14px 22px;border-radius:14px}
.btn-hl{background:var(--hl);color:var(--navy)}
.btn-line{color:#fff;border:1.5px solid rgba(255,255,255,.35)}
.btn:hover{transform:translateY(-1px)}
.hero-card{flex:1 1 380px;min-width:0;display:block;background:#fff;color:var(--text);text-decoration:none;border-radius:24px;padding:24px;box-shadow:0 30px 60px rgba(0,0,0,.35);transition:transform .2s}
.hero-card:hover{transform:translateY(-3px)}
.hc-top{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;flex-wrap:wrap}
.hc-top small{display:block;font-size:.82rem;font-weight:600;color:var(--muted)}
.hc-top b{display:block;font-size:2.3rem;font-weight:800;letter-spacing:-.02em;line-height:1.2}
.hc-tag{background:#dcfce7;color:#166534;font-weight:700;font-size:.85rem;padding:5px 12px;border-radius:999px}
.hero-card svg{width:100%;height:auto;display:block;margin-top:14px}
.legend{display:flex;gap:14px;flex-wrap:wrap;align-items:center;font-size:.82rem;color:var(--muted);margin-top:8px}
.legend i{display:inline-block;width:12px;height:12px;border-radius:4px;margin-right:6px;vertical-align:-1px}
.legend span{white-space:nowrap}
@media (max-width:640px){.hero-home{padding:40px 0 48px}.hero-home h1{font-size:2.4rem}}
.draw{stroke-dasharray:700;stroke-dashoffset:700;animation:draw 1.6s .2s ease-out forwards}
@keyframes draw{to{stroke-dashoffset:0}}
@media (prefers-reduced-motion:reduce){.draw{animation:none;stroke-dashoffset:0}}

/* home tiles and sections */
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin:44px 0 10px;scroll-margin-top:80px}
.tile{display:flex;flex-direction:column;gap:8px;min-height:190px;background:var(--accent);color:#fff;text-decoration:none;border-radius:22px;padding:24px;transition:transform .2s,box-shadow .2s}
.tile:hover{transform:translateY(-4px);box-shadow:0 18px 34px rgba(11,21,51,.18)}
.tile strong{font-size:1.35rem;font-weight:800}
.tile span{font-size:.95rem;line-height:1.5;color:rgba(255,255,255,.88)}
.tile em{margin-top:auto;font-style:normal;font-weight:700;font-size:.9rem}
.home-section{margin-top:40px}
.sec-head{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.sec-head h2{margin:0}
.sec-head h2 a{color:inherit;text-decoration:none}
.sec-icon{display:inline-grid;place-items:center;width:46px;height:46px;border-radius:14px;background:var(--accent-soft);color:var(--accent)}
.see-all{margin-left:auto;font-weight:700;text-decoration:none;color:var(--ink)}
.section-intro{color:var(--muted);margin:8px 0 14px;max-width:760px}
.features{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin:40px 0 10px}
.features div{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.features strong{font-size:1.1rem}
.features p{margin:6px 0 0;color:var(--muted);font-size:.95rem}

/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin:14px 0 30px}
.card{display:flex;flex-direction:column;gap:6px;background:var(--card);border:1px solid var(--line);border-top:5px solid var(--accent);border-radius:18px;padding:18px 20px;text-decoration:none;color:var(--text);transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:0 12px 26px rgba(11,21,51,.1)}
.card strong{font-size:1.05rem;font-weight:800}
.card span{font-size:.92rem;color:var(--muted);line-height:1.5}
.card .go{margin-top:auto;padding-top:6px;font-style:normal;font-weight:700;font-size:.9rem;color:var(--ink)}

/* calculator */
.calc-wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.25fr);gap:24px;margin:24px 0;align-items:start}
@media (max-width:900px){.calc-wrap{grid-template-columns:minmax(0,1fr)}}
.calc,.results{background:#fcf8f0;border:1px solid #eadfca;border-radius:22px;padding:24px}
.results{position:sticky;top:84px}
.results:empty{display:none}
@media (max-width:900px){.results{position:static}}
.eyebrow-label{margin:0 0 14px;font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--ink)}
.group-title{font-weight:800;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:18px 0 8px;padding-top:14px;border-top:1px solid var(--line)}
.eyebrow-label+.group-title{margin-top:0;padding-top:0;border-top:0}
.row{display:block;margin-bottom:14px}
.row>span{display:block;font-size:.93rem;font-weight:700;margin-bottom:5px}
.row small{display:block;color:var(--muted);font-size:.8rem;margin-top:4px;line-height:1.4}
.field{display:flex;align-items:center;border:1.5px solid #e3d4b8;border-radius:12px;background:#f4e9d4;overflow:hidden;transition:border-color .15s,box-shadow .15s}
.field:focus-within{border-color:var(--accent);background:#fbf3e4;box-shadow:0 0 0 4px var(--accent-soft)}
.field input{flex:1;min-width:0;border:0;background:transparent;color:var(--text);font:inherit;font-weight:600;padding:11px 12px;outline:none}
.affix{padding:0 12px;color:var(--muted);font-size:.92rem}
select{width:100%;padding:11px 12px;border:1.5px solid #e3d4b8;border-radius:12px;background:#f4e9d4;color:var(--text);font:inherit;font-weight:600}
select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-soft)}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
button{font:inherit;cursor:pointer}
.actions button{background:#15803d;color:#fff;border:0;border-radius:12px;padding:12px 22px;font-weight:700;transition:transform .15s}
.actions button:hover{transform:translateY(-1px)}
.actions button.ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
.headline{background:var(--navy);color:#fff;border-radius:18px;padding:22px 24px;margin-bottom:16px;position:relative;overflow:hidden}
.headline::after{content:"";position:absolute;right:-40px;top:-40px;width:150px;height:150px;border-radius:50%;background:var(--accent);opacity:.35}
.headline .label{position:relative;font-size:.92rem;font-weight:600;color:#cbd2e6}
.headline .value{position:relative;font-size:2.6rem;font-weight:800;line-height:1.15;letter-spacing:-.02em;color:var(--hl);word-break:break-word}
.headline.neg .value{color:#fda4af}
.stats{width:100%;border-collapse:collapse;font-size:.95rem}
.stats td{padding:9px 0;border-bottom:1px solid #eadfca}
.stats tr:last-child td{border-bottom:0}
.stats td:last-child{text-align:right;font-weight:800;white-space:nowrap;padding-left:10px}
.chart{margin:16px 0 0;padding:16px;background:#fffdf8;border:1px solid #eadfca;border-radius:16px}
.chart figcaption{display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;align-items:center}
.chart figcaption .legend{margin:0}
.chart svg{width:100%;height:auto;display:block;margin-top:10px;overflow:visible}
.chart text{font-size:11px;fill:var(--muted);font-family:inherit}
.chart .grid{stroke:#eef0f6}
.verdict{margin:16px 0 0;padding:12px 16px;border-radius:14px;font-size:.93rem;font-weight:600;background:#f3f4f8;border:1.5px solid var(--line)}
.verdict.good{background:#ecfdf5;border-color:#6ee7b7;color:var(--good)}
.verdict.bad{background:#fff1f2;border-color:#fda4af;color:var(--bad)}
.bars{margin-top:16px}
.bar{margin:10px 0;font-size:.88rem}
.bar .track{height:12px;background:#eef0f6;border-radius:999px;overflow:hidden;margin-top:4px}
.bar .fill{height:100%;background:var(--accent);border-radius:999px}
.bar:nth-child(2) .fill{background:#4f46e5}.bar:nth-child(3) .fill{background:#14b8a6}.bar:nth-child(4) .fill{background:#f59e0b}
.table-wrap{max-height:340px;overflow:auto;margin-top:16px;background:#fffdf8;border:1px solid #eadfca;border-radius:14px}
.table-wrap table{width:100%;border-collapse:collapse;font-size:.86rem}
.table-wrap th,.table-wrap td{padding:7px 10px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
.table-wrap th{position:sticky;top:0;background:var(--accent-soft);color:var(--ink)}
.table-wrap th:first-child,.table-wrap td:first-child{text-align:left}
.note{font-size:.82rem;color:var(--muted);margin-top:12px}
.err{color:var(--bad)}

/* ads */
.ad{margin:24px auto;text-align:center;min-height:100px}
.ad-placeholder{display:grid;place-items:center;border:1px dashed #cfd4e2;border-radius:14px;color:var(--muted);font-size:.75rem;letter-spacing:.08em;text-transform:uppercase}

/* article */
.content{max-width:780px}
.content a{color:var(--ink);font-weight:600}
.content table{border-collapse:collapse;width:100%;margin:12px 0;font-size:.95rem;display:block;overflow-x:auto}
.content th,.content td{border:1px solid var(--line);padding:8px 12px;text-align:left}
.content th{background:var(--accent-soft)}
.formula{background:var(--card);border:1px solid var(--line);border-left:5px solid var(--accent);padding:12px 16px;border-radius:12px;font-family:ui-monospace,Menlo,Consolas,monospace;font-size:.92rem;overflow-x:auto}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:14px;margin:10px 0;padding:0 16px}
.faq details[open]{border-color:var(--accent)}
.faq summary{cursor:pointer;font-weight:700;padding:14px 0}
.faq details>div{padding-bottom:14px}
.updated{font-size:.85rem;color:var(--muted)}

/* footer */
.site-footer{margin-top:56px;background:var(--navy);color:#cbd2e6;padding:40px 0 24px;font-size:.92rem}
.site-footer strong{color:#fff}
.foot-grid{display:grid;grid-template-columns:2fr 2fr 1fr;gap:28px}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr}}
.site-footer ul{list-style:none;padding:0;margin:8px 0}
.site-footer li{margin:5px 0}
.site-footer a{color:#cbd2e6;text-decoration:none}
.site-footer a:hover{color:#fff}
.site-footer p{color:#a9b2ca}
.fine{font-size:.8rem;border-top:1px solid rgba(255,255,255,.12);padding-top:16px;margin-top:22px}