:root{
  --ink:#0f1b2d;--ink2:#3b4a5e;--muted:#6b7a8f;--line:#dfe5ec;--bg:#f6f8fb;--card:#fff;
  --brand:#0b5d7a;--brand2:#0e7fa6;--accent:#f2a33a;--ok:#1a7f4b;--okbg:#e7f6ee;--warn:#9a5b00;--warnbg:#fff4e0;
  --bad:#b42318;--badbg:#fdecea;--sched:#6d4bd1;--schedbg:#f0ebff;--radius:12px;
  --mono:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.55 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand2)}
a:hover{color:var(--brand)}
img,svg{max-width:100%}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
/* header */
.site-header{background:var(--ink);color:#fff;position:sticky;top:0;z-index:20}
.site-header .wrap{display:flex;align-items:center;gap:18px;min-height:60px;flex-wrap:wrap}
.logo{color:#fff;text-decoration:none;font-weight:800;font-size:20px;letter-spacing:-.3px;display:flex;align-items:center;gap:9px}
.logo:hover{color:#fff}
.logo .mark{width:28px;height:28px;border-radius:7px;background:linear-gradient(135deg,var(--accent),#f6c46d);display:grid;place-items:center;color:var(--ink);font-size:15px}
.nav{display:flex;gap:4px;flex-wrap:wrap;margin-left:auto;align-items:center}
.nav a{color:#cfd8e3;text-decoration:none;font-size:14.5px;padding:7px 10px;border-radius:8px}
.nav a:hover,.nav a[aria-current=page]{background:rgba(255,255,255,.1);color:#fff}
.units{display:inline-flex;border:1px solid rgba(255,255,255,.25);border-radius:999px;overflow:hidden;margin-left:6px}
.units button{background:transparent;border:0;color:#cfd8e3;font:inherit;font-size:13px;padding:5px 11px;cursor:pointer}
.units button[aria-pressed=true]{background:var(--accent);color:var(--ink);font-weight:700}
/* hero */
.hero{background:linear-gradient(160deg,#0f1b2d 0%,#123552 60%,#0b5d7a 100%);color:#fff;padding:64px 0 56px}
.hero h1{font-size:clamp(30px,4.4vw,48px);line-height:1.12;margin:0 0 16px;letter-spacing:-.8px;max-width:820px}
.hero p.lead{font-size:19px;color:#d6e2ee;max-width:720px;margin:0 0 26px}
.hero .badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}
.badge{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:#e8f0f7;padding:6px 12px;border-radius:999px;font-size:13.5px}
.btn{display:inline-block;background:var(--accent);color:var(--ink);font-weight:700;text-decoration:none;padding:12px 20px;border-radius:10px;border:0;cursor:pointer;font:inherit;font-weight:700}
.btn:hover{filter:brightness(1.05);color:var(--ink)}
.btn.secondary{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.4);margin-left:8px}
.btn.secondary:hover{color:#fff;background:rgba(255,255,255,.08)}
.btn.small{padding:8px 14px;font-size:14px}
.btn.ghost{background:#fff;border:1px solid var(--line);color:var(--ink)}
/* sections */
section.block{padding:52px 0}
section.block h2{font-size:28px;letter-spacing:-.4px;margin:0 0 8px}
.sub{color:var(--muted);margin:0 0 26px;max-width:720px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--ink);display:block;transition:box-shadow .15s,transform .15s}
a.card:hover{box-shadow:0 8px 24px rgba(15,27,45,.08);transform:translateY(-2px);color:var(--ink)}
.card h3{margin:0 0 6px;font-size:18px}
.card p{margin:0;color:var(--ink2);font-size:15px}
.card .tag{display:inline-block;font-size:12px;font-weight:700;color:var(--brand);background:#e3f2f8;border-radius:6px;padding:2px 8px;margin-bottom:10px;text-transform:uppercase;letter-spacing:.4px}
.card.feature{border:2px solid var(--brand2);background:linear-gradient(180deg,#fff,#f1f9fc)}
.three{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.three h3{margin:0 0 6px}
.three p{margin:0;color:var(--ink2)}
/* calc pages */
.page-head{padding:34px 0 8px}
.page-head h1{margin:0 0 8px;font-size:clamp(26px,3.4vw,36px);letter-spacing:-.5px}
.page-head p{margin:0;color:var(--ink2);max-width:780px;font-size:17px}
.crumbs{font-size:13.5px;color:var(--muted);margin-bottom:10px}
.crumbs a{color:var(--muted)}
.disclaimer{background:var(--warnbg);border:1px solid #f4d39b;color:#5c3b00;border-radius:10px;padding:12px 16px;margin:18px 0;font-size:14.5px;display:flex;gap:10px;align-items:flex-start}
.disclaimer strong{white-space:nowrap}
.privacy-pill{display:inline-flex;align-items:center;gap:6px;background:var(--okbg);color:var(--ok);border-radius:999px;padding:4px 11px;font-size:13px;font-weight:600}
.calc-grid{display:grid;grid-template-columns:minmax(300px,420px) 1fr;gap:22px;align-items:start}
@media (max-width:880px){.calc-grid{grid-template-columns:1fr}}
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.panel h2{font-size:17px;margin:0 0 14px}
fieldset{border:0;padding:0;margin:0 0 14px}
legend{font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);margin-bottom:8px}
.field{display:grid;grid-template-columns:1fr 150px;align-items:center;gap:8px;margin-bottom:9px}
.field label{font-size:14.5px;color:var(--ink2)}
.field .inp{display:flex;align-items:center;border:1px solid #cdd6e0;border-radius:8px;background:#fff;overflow:hidden}
.field .inp:focus-within{border-color:var(--brand2);box-shadow:0 0 0 3px rgba(14,127,166,.15)}
.field input,.field select{border:0;outline:0;padding:8px 9px;font:inherit;font-size:15px;width:100%;min-width:0;background:transparent}
.field .u{font-size:12.5px;color:var(--muted);padding:0 9px;white-space:nowrap}
.field select{border:1px solid #cdd6e0;border-radius:8px;background:#fff}
.hint{font-size:12.5px;color:var(--muted);margin:-4px 0 10px}
textarea{width:100%;min-height:200px;border:1px solid #cdd6e0;border-radius:8px;padding:10px;font:14px/1.45 var(--mono);resize:vertical}
details.adv summary{cursor:pointer;color:var(--brand2);font-size:14px;margin:6px 0 10px}
.results .big{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-bottom:14px}
.stat{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:12px 14px}
.stat .k{font-size:12.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.4px}
.stat .v{font-size:24px;font-weight:800;letter-spacing:-.4px;font-variant-numeric:tabular-nums}
.stat .v small{font-size:13px;font-weight:600;color:var(--muted);margin-left:3px}
.verdict{border-radius:10px;padding:12px 14px;font-weight:700;margin-bottom:12px}
.verdict.ok{background:var(--okbg);color:var(--ok)}
.verdict.bad{background:var(--badbg);color:var(--bad)}
.verdict.warn{background:var(--warnbg);color:var(--warn)}
.warnings{margin:0 0 12px;padding:0;list-style:none}
.warnings li{background:var(--badbg);color:var(--bad);border-radius:8px;padding:8px 12px;margin-bottom:6px;font-size:14px}
.work{width:100%;border-collapse:collapse;font-size:14px}
.work th,.work td{border-bottom:1px solid var(--line);padding:8px 6px;text-align:left;vertical-align:top}
.work th{font-size:12px;text-transform:uppercase;letter-spacing:.4px;color:var(--muted)}
.work td.f{font-family:var(--mono);font-size:13px;color:var(--ink2)}
.work td.n{font-variant-numeric:tabular-nums;font-weight:600;white-space:nowrap}
.formula{font-family:var(--mono);background:#0f1b2d;color:#e6eef7;border-radius:10px;padding:14px 16px;font-size:13.5px;overflow:auto;white-space:pre;line-height:1.6}
.sponsor{border:2px dashed #c4cfdb;border-radius:var(--radius);padding:16px 18px;margin:22px 0;display:flex;gap:16px;align-items:center;background:#fff}
.sponsor .slot{width:120px;height:56px;border-radius:8px;background:repeating-linear-gradient(45deg,#eef2f6,#eef2f6 8px,#e4e9ef 8px,#e4e9ef 16px);display:grid;place-items:center;color:var(--muted);font-size:12px;font-weight:700;flex:none}
.sponsor .t{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.5px}
.sponsor .h{font-weight:700}
.sponsor p{margin:2px 0 0;font-size:14px;color:var(--ink2)}
.explainer{max-width:820px}
.explainer h2{font-size:24px;margin:34px 0 10px;letter-spacing:-.3px}
.explainer h3{font-size:18px;margin:22px 0 6px}
.explainer p,.explainer li{color:#26354a}
.explainer table{border-collapse:collapse;width:100%;font-size:14.5px;margin:10px 0}
.explainer td,.explainer th{border:1px solid var(--line);padding:7px 9px;text-align:left}
.explainer th{background:#eef3f8}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin-bottom:8px}
.faq summary{cursor:pointer;font-weight:600}
.newsletter{background:var(--ink);color:#fff;border-radius:16px;padding:28px;margin:40px 0;display:grid;grid-template-columns:1.2fr 1fr;gap:22px;align-items:center}
@media (max-width:760px){.newsletter{grid-template-columns:1fr}}
.newsletter h2{margin:0 0 6px;font-size:22px}
.newsletter p{margin:0;color:#c9d5e2}
.newsletter form{display:flex;gap:8px;flex-wrap:wrap}
.newsletter input{flex:1;min-width:200px;border:0;border-radius:10px;padding:12px 14px;font:inherit}
.newsletter .note{font-size:13px;color:#9fb2c6;margin-top:8px;width:100%}
.newsletter .thanks{color:#9be7bf;font-weight:600}
footer.site-footer{background:#0b1422;color:#9fb0c4;padding:34px 0;font-size:14px;margin-top:40px}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
@media (max-width:760px){footer .cols{grid-template-columns:1fr}}
footer a{color:#cfd8e3;text-decoration:none;display:block;margin:3px 0}
footer h4{color:#fff;margin:0 0 8px;font-size:14px}
/* report */
.toolbar{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-bottom:14px}
.drop{border:2px dashed #b8c6d4;border-radius:var(--radius);padding:26px;text-align:center;background:#fff;color:var(--ink2)}
.drop.over{border-color:var(--brand2);background:#f1f9fc}
.mapper{display:grid;grid-template-columns:repeat(auto-fit,minmax(340px,1fr));gap:4px 26px}
.summary{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:10px;margin:14px 0}
.summary .stat .v{font-size:22px}
.s-imm .v{color:var(--bad)}.s-one .v{color:var(--warn)}.s-sch .v{color:var(--sched)}.s-mon .v{color:var(--ok)}
.tablewrap{overflow:auto;border:1px solid var(--line);border-radius:10px;background:#fff;max-height:640px}
table.res{border-collapse:collapse;width:100%;font-size:13.5px}
table.res th{position:sticky;top:0;background:#eef3f8;text-align:left;padding:8px;font-size:12px;text-transform:uppercase;letter-spacing:.3px;color:var(--ink2);white-space:nowrap;cursor:pointer}
table.res td{padding:7px 8px;border-top:1px solid var(--line);white-space:nowrap;font-variant-numeric:tabular-nums}
table.res td.reason{white-space:normal;min-width:420px;color:var(--ink2);font-size:12.5px}
.pill{display:inline-block;border-radius:999px;padding:2px 9px;font-size:12px;font-weight:700}
.pill.immediate{background:var(--badbg);color:var(--bad)}
.pill.oneyear{background:var(--warnbg);color:var(--warn)}
.pill.scheduled{background:var(--schedbg);color:var(--sched)}
.pill.monitor{background:var(--okbg);color:var(--ok)}
.pill.na{background:#eef2f6;color:var(--muted)}
.chart{background:#fff;border:1px solid var(--line);border-radius:10px;margin:10px 0}
.muted{color:var(--muted)}
.mt0{margin-top:0}
.hidden{display:none!important}
.kbd{font-family:var(--mono);background:#eef2f6;border-radius:5px;padding:1px 6px;font-size:13px}

@media (max-width:760px){.site-header{position:static}.nav{margin-left:0}}