:root{
  --bg:#070b14;--bg2:#0d1424;--card:rgba(255,255,255,.045);--card-b:rgba(255,255,255,.09);
  --text:#e8edf6;--muted:#b3bdd1;--acc:#34d399;--acc2:#22d3ee;--vio:#8b5cf6;--warn:#fbbf24;--bad:#f87171;
  --radius:18px;--shadow:0 20px 50px -20px rgba(0,0,0,.6);
  --grad:linear-gradient(120deg,#34d399,#22d3ee);
  --font:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  color-scheme:dark;
}
:root[data-theme="light"]{
  --bg:#f6f8fc;--bg2:#eaeff8;--card:rgba(255,255,255,.85);--card-b:rgba(15,23,42,.1);
  --text:#0f172a;--muted:#546079;--acc:#059669;--acc2:#0891b2;--shadow:0 20px 40px -24px rgba(15,23,42,.25);
  --grad:linear-gradient(120deg,#059669,#0891b2);color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font:400 1rem/1.65 var(--font);-webkit-font-smoothing:antialiased;min-height:100vh}
html,body{overflow-x:clip}
img,svg{max-width:100%}
a{color:var(--acc2);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--acc)}
h1,h2,h3{line-height:1.15;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2.2rem,5.5vw,4rem);font-weight:800}
h2{font-size:clamp(1.5rem,3vw,2rem);font-weight:750;margin-top:2.2em}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
.wrap{width:min(1160px,100% - 2rem);margin-inline:auto}
.muted{color:var(--muted)}.small{font-size:.875rem}.center{text-align:center}
.skip{position:absolute;left:-999px;top:0;background:var(--acc);color:#04130d;padding:.6rem 1rem;z-index:100;border-radius:0 0 10px 0}
.skip:focus{left:0}
:focus-visible{outline:2px solid var(--acc2);outline-offset:3px;border-radius:6px}

/* animated background */
.bg-orbs{position:fixed;inset:0;z-index:-1;overflow:hidden;pointer-events:none}
.bg-orbs i{position:absolute;border-radius:50%;filter:blur(90px);opacity:.22;will-change:transform}
.bg-orbs i:nth-child(1){width:520px;height:520px;background:#10b981;top:-160px;left:-120px}
.bg-orbs i:nth-child(2){width:460px;height:460px;background:#6366f1;top:30%;right:-160px;animation-delay:-8s}
.bg-orbs i:nth-child(3){width:380px;height:380px;background:#06b6d4;bottom:-140px;left:30%;animation-delay:-14s}
:root[data-theme="light"] .bg-orbs i{opacity:.12}
@keyframes drift{to{transform:translate3d(60px,40px,0) scale(1.15)}}

/* header */
.site-header{position:sticky;top:0;z-index:50;backdrop-filter:blur(16px) saturate(1.4);-webkit-backdrop-filter:blur(16px) saturate(1.4);background:color-mix(in srgb,var(--bg) 72%,transparent);border-bottom:1px solid var(--card-b)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px;gap:1rem}
.brand{display:inline-flex;align-items:center;gap:.55rem;font-weight:800;font-size:1.15rem;color:var(--text);text-decoration:none;letter-spacing:-.02em}
.brand:hover{color:var(--text)}
.logo-mark{width:30px;height:30px}
.nav{display:flex;gap:.25rem;align-items:center}
.nav a{color:var(--muted);text-decoration:none;padding:.5rem .85rem;border-radius:10px;font-weight:550;font-size:.95rem;transition:color .2s,background .2s}
.nav a:hover,.nav a[aria-current]{color:var(--text);background:var(--card)}
.nav-toggle{display:none;background:none;border:1px solid var(--card-b);border-radius:10px;width:42px;height:42px;cursor:pointer;position:relative}
.nav-toggle span{position:absolute;left:11px;right:11px;height:2px;background:var(--text);border-radius:2px;transition:transform .25s,top .25s}
.nav-toggle span:first-child{top:16px}.nav-toggle span:last-child{top:24px}
.nav-toggle[aria-expanded="true"] span:first-child{top:20px;transform:rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:last-child{top:20px;transform:rotate(-45deg)}
@media(max-width:760px){
  .nav-toggle{display:block}
  .nav{position:absolute;top:64px;left:0;right:0;flex-direction:column;align-items:stretch;background:var(--bg);border-bottom:1px solid var(--card-b);padding:.5rem 1rem 1rem;display:none}
  .nav.open{display:flex;animation:pop .25s ease}
  .nav a{padding:.8rem}
}
@keyframes pop{from{opacity:0;transform:translateY(-8px)}}

/* buttons / pills */
.btn{display:inline-flex;align-items:center;gap:.5rem;justify-content:center;font:600 .95rem/1 var(--font);padding:.85rem 1.2rem;border-radius:12px;border:1px solid transparent;cursor:pointer;text-decoration:none;transition:transform .2s,box-shadow .2s,background .2s,border-color .2s}
.btn:active{transform:scale(.97)}
.btn-primary{background:var(--grad);color:#04130d;box-shadow:0 10px 30px -10px rgba(52,211,153,.55)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 16px 36px -10px rgba(34,211,238,.6);color:#04130d}
.btn-ghost{background:var(--card);border-color:var(--card-b);color:var(--text)}
.btn-ghost:hover{border-color:var(--acc);color:var(--text);transform:translateY(-2px)}
.btn-lg{padding:1.05rem 1.5rem;font-size:1rem}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;font-weight:700;color:var(--acc);margin-bottom:.8rem}
.pill{display:inline-flex;align-items:center;gap:.5rem;padding:.4rem .85rem;border-radius:999px;background:var(--card);border:1px solid var(--card-b);text-transform:none;letter-spacing:0;font-size:.85rem;color:var(--muted)}
.pill .dot{width:8px;height:8px;border-radius:50%;background:var(--acc);box-shadow:0 0 0 0 var(--acc)}
@keyframes pulse{70%{box-shadow:0 0 0 10px transparent}100%{box-shadow:0 0 0 0 transparent}}
.grad{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}

/* hero */
.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:2rem;align-items:center;padding:clamp(2.5rem,7vw,6rem) 0 3rem}
.hero .lead{font-size:1.2rem;max-width:36rem}
.cta{display:flex;flex-wrap:wrap;gap:.75rem;margin:1.6rem 0}
.stats{list-style:none;padding:0;margin:2rem 0 0;display:flex;flex-wrap:wrap;gap:1.5rem 2.5rem}
.stats li{display:flex;flex-direction:column}
.stats strong{font-size:1.7rem;font-weight:800;letter-spacing:-.02em}
.stats span{color:var(--muted);font-size:.85rem}
.hero-art{position:relative;aspect-ratio:560/340}
.hero-chart{width:100%;height:auto;color:var(--text);overflow:visible}
.hc-line{stroke-dasharray:1;stroke-dashoffset:1;animation:draw 2.2s .3s cubic-bezier(.65,0,.35,1) forwards}
.hc-area{opacity:0;animation:fadein 1.2s 1.4s forwards}
.hc-dot{opacity:0;animation:fadein .5s 2.3s forwards}
@keyframes draw{to{stroke-dashoffset:0}}
@keyframes fadein{to{opacity:1}}
@media(max-width:900px){.hero{grid-template-columns:1fr}.hero-art{max-width:520px;margin:1rem auto 0;width:100%}}

/* cards & grid */
.card{background:var(--card);border:1px solid var(--card-b);border-radius:var(--radius);padding:1.4rem;box-shadow:var(--shadow)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1rem}
.tile{display:flex;flex-direction:column;text-decoration:none;color:var(--text);position:relative;overflow:hidden;transition:transform .25s,border-color .25s}
.tile::before{content:"";position:absolute;inset:0;background:radial-gradient(400px circle at var(--mx,50%) var(--my,0%),rgba(52,211,153,.14),transparent 45%);opacity:0;transition:opacity .3s}
.tile:hover{transform:translateY(-5px);border-color:color-mix(in srgb,var(--acc) 55%,transparent);color:var(--text)}
.tile:hover::before{opacity:1}
.tile h3{margin-bottom:.4rem}
.tile p{color:var(--muted);font-size:.93rem;flex:1}
.tile-icon{width:44px;height:44px;border-radius:12px;background:var(--grad);color:#04130d;display:grid;place-items:center;font-weight:800;font-size:1.3rem;margin-bottom:.9rem}
.tile-cat{font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;color:var(--acc);font-weight:700;margin-bottom:.35rem}
.tile-go{color:var(--acc2);font-weight:650;font-size:.9rem;transition:transform .2s}
.tile:hover .tile-go{transform:translateX(4px)}
.section-head{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;margin-top:3rem}
.section-head h2{margin-top:0}
.partner-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1rem;margin:1rem 0}
.partner h3{margin-bottom:.4rem}.partner p{color:var(--muted);font-size:.93rem}
.promise{display:grid;grid-template-columns:1.3fr 1fr;gap:2rem;align-items:center;margin-top:4rem;background:linear-gradient(135deg,rgba(52,211,153,.1),rgba(99,102,241,.1))}
.promise h2{margin-top:0}
.checks{list-style:none;margin:0;padding:0;display:grid;gap:.7rem}
.checks li{padding-left:2rem;position:relative}
.checks li::before{content:"";position:absolute;left:0;top:.3rem;width:1.15rem;height:1.15rem;border-radius:50%;background:var(--grad)}
.checks li::after{content:"";position:absolute;left:.4rem;top:.52rem;width:.35rem;height:.6rem;border:solid #04130d;border-width:0 2px 2px 0;transform:rotate(45deg)}
@media(max-width:800px){.promise{grid-template-columns:1fr}}

/* page furniture */
.page-head{padding:2.5rem 0 1rem}
.page-head h1{font-size:clamp(1.9rem,4.5vw,3rem)}
.lead{font-size:1.15rem;color:var(--muted);max-width:44rem}
.crumbs{display:flex;gap:.5rem;flex-wrap:wrap;font-size:.85rem;color:var(--muted);padding-top:1.25rem}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--acc)}
.notice{padding:.9rem 1.1rem;border-radius:12px;border:1px solid var(--card-b);background:var(--card);font-size:.9rem;color:var(--muted)}
.prose{max-width:46rem}
.prose h2{margin-top:2.2em}.prose li{margin-bottom:.4em}
.prose table{width:100%;border-collapse:collapse;margin:1em 0;font-size:.95rem}
.prose th,.prose td{padding:.6rem .8rem;border-bottom:1px solid var(--card-b);text-align:left}
.prose blockquote,.prose .callout{margin:1.2em 0;padding:1rem 1.2rem;border-left:3px solid var(--acc);background:var(--card);border-radius:0 12px 12px 0}
.prose code{background:var(--card);padding:.1em .4em;border-radius:6px;font-size:.9em}
.article .prose{margin-inline:0}
.disclaimer{margin-top:2rem;padding:1rem;border-radius:12px;background:var(--card);font-size:.85rem;color:var(--muted)}
.faq{border:1px solid var(--card-b);border-radius:12px;background:var(--card);margin:.6rem 0;padding:0 1.1rem}
.faq summary{cursor:pointer;padding:.95rem 0;font-weight:650;list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq summary::after{content:"+";color:var(--acc);font-size:1.3rem;line-height:1;transition:transform .25s}
.faq[open] summary::after{transform:rotate(45deg)}
.faq summary::-webkit-details-marker{display:none}
.faq p{color:var(--muted)}

/* calculator */
.calc{display:grid;grid-template-columns:minmax(280px,380px) 1fr;gap:1.25rem;align-items:start;margin-top:1rem}
.calc-form{position:sticky;top:80px;display:grid;gap:1rem}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:.4rem}
.field small{display:block;color:var(--muted);font-size:.78rem;margin-top:.3rem}
.input{display:flex;align-items:stretch;border:1px solid var(--card-b);border-radius:12px;background:color-mix(in srgb,var(--bg) 60%,transparent);transition:border-color .2s,box-shadow .2s;overflow:hidden}
.input:focus-within{border-color:var(--acc);box-shadow:0 0 0 3px rgba(52,211,153,.18)}
.input input,.field select{flex:1;min-width:0;background:transparent;border:0;color:var(--text);font:600 1rem var(--font);padding:.75rem .9rem;outline:0}
.field select{width:100%;border:1px solid var(--card-b);border-radius:12px;background:color-mix(in srgb,var(--bg) 60%,transparent);cursor:pointer}
.field select option{background:var(--bg2);color:var(--text)}
.field select:focus{border-color:var(--acc);box-shadow:0 0 0 3px rgba(52,211,153,.18)}
.affix{display:grid;place-items:center;padding:0 .8rem;color:var(--muted);font-weight:600;background:var(--card)}
.input.invalid{border-color:var(--bad)}
.calc-actions{display:flex;gap:.6rem;flex-wrap:wrap}
.calc-actions .btn{padding:.6rem .9rem;font-size:.85rem;flex:1}
.calc-out{display:grid;gap:1rem;min-width:0}
.summary{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:.8rem}
.stat{padding:1.1rem 1.2rem;border-radius:16px;background:var(--card);border:1px solid var(--card-b)}
.stat .stat-l{display:block;font-size:.8rem;color:var(--muted);font-weight:600}
.stat strong{display:block;font-size:clamp(1.3rem,2.6vw,1.8rem);font-weight:800;letter-spacing:-.02em;margin-top:.25rem;font-variant-numeric:tabular-nums;word-break:break-word}
.stat.hl{background:linear-gradient(135deg,rgba(52,211,153,.18),rgba(34,211,238,.12));border-color:color-mix(in srgb,var(--acc) 45%,transparent)}
.stat.hl strong{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.err{padding:1rem 1.2rem;border-radius:14px;border:1px solid color-mix(in srgb,var(--bad) 50%,transparent);background:color-mix(in srgb,var(--bad) 10%,transparent);grid-column:1/-1}
.chart-title{font-size:1.05rem;margin:0 0 .8rem}
.chart-card svg{width:100%;height:auto;display:block;overflow:visible}
.chart-card .axis{fill:var(--muted);font:11px var(--font)}
.chart-card .gridl{stroke:var(--card-b)}
.legend{list-style:none;padding:0;margin:.8rem 0 0;display:flex;flex-wrap:wrap;gap:.4rem 1.2rem;font-size:.85rem;color:var(--muted)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:.4rem}
.chart-tip{position:absolute;pointer-events:none;background:var(--bg2);border:1px solid var(--card-b);border-radius:10px;padding:.5rem .7rem;font-size:.8rem;box-shadow:var(--shadow);z-index:5;white-space:nowrap;transform:translate(-50%,-110%)}
.chart-wrap{position:relative}
.table-scroll{overflow:auto;max-height:420px}
.table-scroll table{width:100%;border-collapse:collapse;font-size:.88rem;font-variant-numeric:tabular-nums}
.table-scroll th{position:sticky;top:0;background:var(--bg2);text-align:right;padding:.55rem .7rem;font-size:.75rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.table-scroll td{padding:.5rem .7rem;text-align:right;border-bottom:1px solid var(--card-b)}
.table-scroll th:first-child,.table-scroll td:first-child{text-align:left}
.note{color:var(--muted);font-size:.85rem;margin:0}
@media(max-width:900px){.calc{grid-template-columns:1fr}.calc-form{position:static}}

.ad{margin:2rem auto;max-width:900px;min-height:120px;text-align:center;width:min(900px,100% - 2rem)}
.ad-label{display:block;font-size:.65rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:.3rem}
.consent{position:fixed;left:1rem;right:1rem;bottom:1rem;max-width:720px;margin-inline:auto;z-index:90;background:var(--bg2);border:1px solid var(--card-b);border-radius:16px;padding:1rem 1.2rem;box-shadow:var(--shadow);display:flex;gap:1rem;align-items:center;flex-wrap:wrap;font-size:.9rem}
.consent p{margin:0;flex:1 1 260px}.consent[hidden]{display:none}

/* footer */
.site-footer{margin-top:5rem;border-top:1px solid var(--card-b);padding:3rem 0 2rem;background:linear-gradient(to bottom,transparent,color-mix(in srgb,var(--bg2) 70%,transparent))}
.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:2rem}
.footer-grid h3{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:var(--muted)}
.footer-grid a:not(.brand){display:block;color:var(--text);text-decoration:none;padding:.2rem 0;opacity:.85}
.footer-grid a:not(.brand):hover{color:var(--acc);opacity:1}
.legal{color:var(--muted);font-size:.78rem;margin-top:2rem;max-width:60rem}
.news{margin-bottom:2rem}.news-row{display:flex;gap:.5rem;max-width:460px}
.news input{flex:1;padding:.8rem;border-radius:12px;border:1px solid var(--card-b);background:var(--card);color:var(--text);font:inherit}
@media(max-width:760px){.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>:first-child{grid-column:1/-1}}

/* theme toggle, trust bits, perf */
.header-tools{display:flex;align-items:center;gap:.5rem}
.theme-toggle{display:inline-grid;place-items:center;width:42px;height:42px;border-radius:10px;border:1px solid var(--card-b);background:var(--card);color:var(--text);cursor:pointer}
.theme-toggle:hover{border-color:var(--acc)}
.theme-toggle .ico-sun{display:none}
:root[data-theme="dark"] .theme-toggle .ico-sun{display:block}
:root[data-theme="dark"] .theme-toggle .ico-moon{display:none}
.linklike{display:block;background:none;border:0;padding:.2rem 0;font:inherit;color:var(--text);opacity:.85;cursor:pointer;text-align:left}
.linklike:hover{color:var(--acc);opacity:1}
.partner-notice{margin:1rem 0 0}
.badge-sponsored{display:inline-block;vertical-align:middle;margin-left:.4rem;padding:.1rem .5rem;border-radius:999px;border:1px solid var(--card-b);font-size:.68rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.criteria{max-width:46rem}
.site-footer{content-visibility:auto;contain-intrinsic-size:auto 380px}
.paused .bg-orbs i{animation-play-state:paused}

/* motion */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}
.no-js .reveal{opacity:1;transform:none}
@view-transition{navigation:auto}
::view-transition-old(root){animation:vt-out .22s ease both}
::view-transition-new(root){animation:vt-in .35s ease both}
@keyframes vt-out{to{opacity:0;transform:translateY(-6px)}}
@keyframes vt-in{from{opacity:0;transform:translateY(8px)}}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
  .hc-line{stroke-dashoffset:0}.hc-area,.hc-dot{opacity:1}
}

/* ==== calculator UX ==== */
.sr-only{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;border:0}
:root{--chart-1:#34d399;--chart-2:#22d3ee;--chart-3:#8b5cf6;--chart-4:#fbbf24;--chart-5:#f87171;--chart-6:#60a5fa}
/* light theme: text accents darkened for AA contrast; --grad keeps the bright gradient; chart colours are >=3:1 on --bg */
:root[data-theme="light"]{--acc:#047857;--acc2:#0e7490;--bad:#b91c1c;--chart-1:#059669;--chart-2:#0e7490;--chart-3:#7c3aed;--chart-4:#b45309;--chart-5:#dc2626;--chart-6:#2563eb}
:root[data-theme="light"] .skip{color:#fff}

/* inputs: solid focus ring, inline errors, echo */
.input:focus-within,.field select:focus-visible{outline:2px solid var(--acc2);outline-offset:2px;border-color:var(--acc2);box-shadow:none}
.field select:focus{box-shadow:none}
.field small:empty{display:none}
.field small.echo{color:var(--text);opacity:.8;font-variant-numeric:tabular-nums}
.field small.field-err{color:var(--bad);font-weight:600;font-size:.82rem}
.calc-form{max-height:calc(100vh - 96px);overflow:auto}
.calc-actions .btn{min-height:44px}
.calc>noscript{grid-column:1/-1}
.calc-mini{display:none}

/* results: no orphan tiles, reserved space, stale state */
.summary{display:flex;flex-wrap:wrap;gap:.8rem;min-height:112px}
.stat{flex:1 1 180px;min-width:0}
.stat.hl{flex-basis:100%}
.stale{margin:0;padding:.65rem .9rem;border-radius:12px;border:1px solid color-mix(in srgb,var(--warn) 55%,transparent);background:color-mix(in srgb,var(--warn) 12%,transparent);font-size:.9rem}
.calc-out.is-stale .summary,.calc-out.is-stale .assump,.calc-out.is-stale .chart-card,.calc-out.is-stale .table-card{opacity:.5;transition:opacity .2s}
.assump{border:1px solid var(--card-b);border-radius:12px;background:var(--card);padding:0 1rem}
.assump summary{cursor:pointer;padding:.7rem 0;font-weight:650;font-size:.9rem}
.assump .note{padding-bottom:.8rem}
.cta-card{padding:1rem 1.2rem}
.cta-row{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.8rem}
.cta-body{display:flex;flex-direction:column;gap:.15rem;flex:1 1 220px;min-width:0}
.cta-links{display:flex;flex-wrap:wrap;gap:.5rem}
.cta-links .btn{min-height:44px}
.cta-disc{margin:.7rem 0 0}

/* chart */
.chart-holder{min-height:320px}
.chart-card .axis{font:12px var(--font)}
.chart-card svg{max-width:none}
.chart-wrap.donut svg{width:auto;margin:0 auto}
.chart-card svg:focus-visible{outline:2px solid var(--acc2);outline-offset:4px;border-radius:8px}
.chart-card .cursor{stroke:var(--muted);stroke-dasharray:3 4;pointer-events:none}
.chart-card .dots circle{stroke:var(--bg);stroke-width:2;pointer-events:none}
.chart-card .hit{touch-action:pan-y}
.chart-tip.below{transform:translate(-50%,16px)}
@media(max-width:520px){.chart-holder{min-height:260px}}

/* mobile: headline result stays visible under the header while editing inputs */
@media(max-width:900px){
  .calc{display:block}
  .calc>*+*{margin-top:1rem}
  .calc-form{position:static;max-height:none;overflow:visible}
  .calc-mini{display:flex;position:sticky;top:72px;z-index:30;align-items:baseline;justify-content:space-between;gap:.75rem;margin-top:0;padding:.55rem .95rem;border-radius:14px;background:color-mix(in srgb,var(--bg2) 94%,transparent);border:1px solid var(--card-b);box-shadow:var(--shadow);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px)}
  .calc-mini .mini-l{font-size:.8rem;color:var(--muted);font-weight:600}
  .calc-mini strong{font-size:1.25rem;font-weight:800;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
  .calc:has(.is-stale) .calc-mini{opacity:.6}
}

/* forced colours: gradient text would vanish */
@media(forced-colors:active){
  .grad,.stat.hl strong{background:none;-webkit-text-fill-color:CanvasText;color:CanvasText}
  .input:focus-within{outline-color:Highlight}
}

/* decorative motion only when the visitor has not asked for less */
@media(prefers-reduced-motion:no-preference){
  .chart-anim .draw{stroke-dasharray:1;stroke-dashoffset:1;animation:dr 1s ease forwards}
  .chart-anim .bar{animation:grow .6s both}
  @keyframes dr{to{stroke-dashoffset:0}}
  @keyframes grow{from{transform:scaleY(0)}}
  .bg-orbs i{animation:drift 22s ease-in-out infinite alternate}
  .pill .dot{animation:pulse 2s infinite}
  .hc-pulse{transform-box:fill-box;transform-origin:center;animation:hcpulse 2.4s ease-in-out infinite}
  @keyframes hcpulse{0%,100%{transform:scale(.57)}50%{transform:scale(1.43)}}
}
.calc-out{grid-template-columns:minmax(0,1fr)}

/* ==== design pass: layout, icons, hero, contrast ==== */
h1{font-size:clamp(2.3rem,5.8vw,4.2rem);letter-spacing:-.03em}
h2{font-weight:800}
.stat strong,.stats strong,.hp-v,.tile-ex-v{font-variant-numeric:tabular-nums}
.stat .stat-l{min-height:2.6em;min-height:2lh}
.stat.hl .stat-l{min-height:0}
.stat.hl{box-shadow:inset 0 1px 0 rgba(255,255,255,.22),inset 0 0 40px rgba(52,211,153,.08)}
:root[data-theme="light"] .stat.hl{box-shadow:inset 0 1px 0 rgba(255,255,255,.9)}
.muted,.crumbs,.crumbs a,.pill,.stats span{color:var(--muted)}

/* grids: explicit columns per breakpoint; the trailing tile stretches so no row is ever ragged */
.grid{grid-template-columns:1fr}
.grid>.card{min-width:0}
@media(min-width:560px){
  .grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .grid:not(.bento)>:nth-child(2n+1):last-child{grid-column:span 2}
}
@media(min-width:900px){
  .grid{grid-template-columns:repeat(3,minmax(0,1fr))}
  .grid:not(.bento)>:nth-child(2n+1):last-child{grid-column:auto}
  .grid:not(.bento)>:nth-child(3n+1):last-child{grid-column:span 3}
  .grid:not(.bento)>:nth-child(3n+2):last-child{grid-column:span 2}
  .grid:not(.bento):has(>:nth-child(2):last-child){grid-template-columns:repeat(2,minmax(0,1fr))}
  .grid:not(.bento)>:nth-child(2):last-child{grid-column:auto}
}
@media(min-width:1180px){
  .grid{grid-template-columns:repeat(4,minmax(0,1fr))}
  .grid:not(.bento)>:nth-child(3n+1):last-child,.grid:not(.bento)>:nth-child(3n+2):last-child{grid-column:auto}
  .grid:not(.bento)>:nth-child(4n+1):last-child{grid-column:span 4}
  .grid:not(.bento)>:nth-child(4n+2):last-child{grid-column:span 3}
  .grid:not(.bento)>:nth-child(4n+3):last-child{grid-column:span 2}
  .grid:not(.bento):has(>:nth-child(3):last-child){grid-template-columns:repeat(3,minmax(0,1fr))}
  .grid:not(.bento):has(>:nth-child(2):last-child){grid-template-columns:repeat(2,minmax(0,1fr))}
  .grid:not(.bento):has(>:nth-child(3):last-child)>:last-child{grid-column:auto}
  .grid:not(.bento):has(>:nth-child(2):last-child)>:last-child{grid-column:auto}
}
/* bento: first tile spans two columns in the 4-col and 2-col layouts; the 3-col layout uses plain tiles */
@media(min-width:560px) and (max-width:899px){.bento>.tile-feature{grid-column:span 2}}
@media(min-width:900px) and (max-width:1179px){.bento>:nth-child(3n+1):last-child{grid-column:span 3}}
@media(min-width:1180px){.bento>.tile-feature{grid-column:span 2}.bento>:nth-child(3n+1):last-child{grid-column:auto}}

/* tiles: SVG icon, sparkline */
.tile-top{display:flex;align-items:flex-start;justify-content:space-between;gap:1rem;margin-bottom:.9rem}
.tile-icon{margin-bottom:0;width:44px;height:44px;flex:none;border-radius:12px;display:grid;place-items:center;background:var(--grad);color:#04130d}
.ico{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.spark{width:96px;height:32px;flex:none;overflow:visible;color:var(--acc);margin-top:.4rem}
.spark path{fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:1;stroke-dashoffset:1;transition:stroke-dashoffset 1.3s .25s cubic-bezier(.65,0,.35,1)}
.reveal.in .spark path,.no-js .spark path{stroke-dashoffset:0}
.tile-feature{background:linear-gradient(150deg,rgba(52,211,153,.13),rgba(99,102,241,.1) 70%),var(--card)}
.tile-feature h3{font-size:1.4rem}
.tile-feature .spark{width:180px;height:52px}
.tile-ex{display:grid;gap:.1rem;margin:.2rem 0 1rem;padding:.8rem 1rem;border-radius:14px;background:color-mix(in srgb,var(--bg) 45%,transparent);border:1px solid var(--card-b)}
.tile-ex-l{font-size:.78rem;color:var(--muted);font-weight:600}
.tile-ex-v{font-size:clamp(1.7rem,3vw,2.3rem);font-weight:800;letter-spacing:-.03em;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent;line-height:1.15}
.tile-ex-s{font-size:.8rem;color:var(--muted)}
.tile-guide .tile-top{margin-bottom:.6rem}
.tile-feature.tile-guide h3{font-size:1.5rem}
@media(prefers-reduced-motion:reduce){.spark path{stroke-dashoffset:0;transition:none}}
@media(forced-colors:active){.tile-ex-v{background:none;-webkit-text-fill-color:CanvasText;color:CanvasText}.hp-v{background:none;-webkit-text-fill-color:CanvasText;color:CanvasText}}

/* guide page: article + sticky aside */
h2{scroll-margin-top:88px}
.art-grid{display:grid;grid-template-columns:minmax(0,720px) 280px;justify-content:space-between;gap:3rem;align-items:start}
.art-grid .prose{max-width:none;min-width:0}
.art-side{position:sticky;top:88px;display:grid;gap:1rem;max-height:calc(100vh - 104px);overflow:auto;margin-top:.5rem}
.toc{padding:1rem 1.1rem}
.toc summary{font-weight:750;font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);cursor:default;list-style:none}
.toc summary::-webkit-details-marker{display:none}
.toc ol{list-style:none;margin:.7rem 0 0;padding:0;display:grid;gap:.1rem;border-left:1px solid var(--card-b)}
.toc a{display:block;padding:.3rem .8rem;margin-left:-1px;border-left:2px solid transparent;color:var(--muted);text-decoration:none;font-size:.9rem;line-height:1.35}
.toc a:hover{color:var(--text)}
.toc a[aria-current]{color:var(--acc);border-left-color:var(--acc);font-weight:650}
.side-cta{display:flex;flex-direction:column;gap:.35rem;background:linear-gradient(150deg,rgba(52,211,153,.13),rgba(99,102,241,.1)),var(--card)}
.side-cta .tile-icon{margin-bottom:.6rem}
.side-cta p{margin:0 0 .6rem}
.side-cta .btn{align-self:stretch}
@media(max-width:1000px){
  .art-grid{grid-template-columns:minmax(0,1fr);gap:1rem}
  .art-side{display:contents}
  .toc{order:-1}
  .toc summary{cursor:pointer;display:flex;justify-content:space-between}
  .toc summary::after{content:"+";color:var(--acc);font-size:1.3rem;line-height:1}
  .toc[open] summary::after{content:"\2212"}
  .side-cta{margin-top:1.5rem}
}
/* prose tables: scroll instead of overflowing the page */
.prose table{display:block;max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--card-b);border-radius:12px;font-variant-numeric:tabular-nums}
.prose thead th{background:color-mix(in srgb,var(--acc) 16%,var(--bg2));color:var(--text);font-size:.78rem;text-transform:uppercase;letter-spacing:.05em;white-space:nowrap}
.prose tbody tr:nth-child(even){background:color-mix(in srgb,var(--text) 4%,transparent)}
.prose tbody tr:last-child td{border-bottom:0}
.prose td,.prose th{vertical-align:top}
.prose table.num th:not(:first-child),.prose table.num td:not(:first-child){text-align:right}
.prose table.num td{white-space:nowrap}
.wrap.prose{max-width:none;width:min(1160px,100% - 2rem)}
.wrap.prose>*{max-width:46rem}

/* calculator results table on small screens */
@media(max-width:700px){
  .table-card{padding:.5rem}
  .table-scroll{max-height:none;overflow-x:auto;background:linear-gradient(to right,var(--bg2),var(--bg2)) 0 0/24px 100% no-repeat local,linear-gradient(to left,var(--bg2),var(--bg2)) 100% 0/24px 100% no-repeat local,linear-gradient(to right,rgba(52,211,153,.35),transparent) 0 0/14px 100% no-repeat scroll,linear-gradient(to left,rgba(52,211,153,.35),transparent) 100% 0/14px 100% no-repeat scroll}
  .table-scroll table{font-size:.78rem}
  .table-scroll th{position:static;padding:.45rem .4rem;font-size:.66rem;letter-spacing:.02em}
  .table-scroll td{padding:.4rem .4rem}
}
.chart-card{background:linear-gradient(180deg,color-mix(in srgb,var(--acc) 6%,var(--card)),var(--card))}
.chart-card .chart-title{font-weight:750}

/* hero */
.hero-art{aspect-ratio:auto;display:grid;gap:1rem}
.hero-chart{display:block}
.hero-panel{padding:1.1rem 1.2rem;display:grid;gap:1rem;background:color-mix(in srgb,var(--bg2) 82%,transparent)}
.hp-top{display:flex;justify-content:space-between;align-items:flex-end;gap:1rem}
.hp-fv{display:flex;flex-direction:column}
.hp-l{font-size:.82rem;color:var(--muted);font-weight:600}
.hp-v{font-size:clamp(2rem,4vw,2.8rem);font-weight:850;letter-spacing:-.03em;line-height:1.1;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.hp-key{list-style:none;margin:0;padding:0;display:flex;gap:.9rem;font-size:.78rem;color:var(--muted)}
.hp-key i{display:inline-block;width:14px;height:0;border-top:3px solid var(--acc);margin-right:.35rem;vertical-align:middle;border-radius:2px}
.hp-key .k-con{border-top:2px dashed var(--muted)}
.hp-sliders{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}
.hp-field{display:grid;grid-template-columns:1fr auto;gap:.3rem .6rem;align-items:baseline}
.hp-field label{font-size:.82rem;font-weight:600}
.hp-field output{font-weight:750;font-variant-numeric:tabular-nums;color:var(--acc)}
.hp-field input{grid-column:1/-1;width:100%;margin:0;accent-color:var(--acc);height:28px;cursor:pointer}
.hp-note{margin:0;color:var(--muted)}
.hero .hp-note a{font-weight:650}
@media(max-width:900px){
  .hero{display:grid;grid-template-columns:minmax(0,1fr);gap:0;padding-top:1.5rem}
  .hero-copy{display:contents}
  .hero-copy>.eyebrow{order:1;justify-self:start}
  .hero-copy>h1{order:2}
  .hero-copy>.lead{order:3;margin-bottom:0}
  .hero-copy>.cta{order:4;flex-direction:column;margin:1.2rem 0}
  .hero-copy>.cta .btn{width:100%}
  .hero-art{order:5;max-width:none;margin:0;width:100%}
  .hero-copy>.stats{order:6;margin-top:1.5rem;display:grid;grid-template-columns:1fr 1fr;gap:.9rem 1rem}
  .stats strong{font-size:1.35rem}
}
@media(max-width:480px){.hp-sliders{grid-template-columns:1fr;gap:.6rem}}

/* mobile: horizontal snap row for the featured calculators */
@media(max-width:559px){
  .snap-m{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;gap:.8rem;margin-inline:-1rem;padding:0 1rem .8rem;scroll-padding-inline:1rem;-webkit-overflow-scrolling:touch}
  .snap-m>.tile{flex:0 0 82%;scroll-snap-align:start}
  .snap-m>.reveal{opacity:1;transform:none}
}

/* performance: calm orbs on phones (cards no longer use backdrop-filter) */
@media(max-width:700px){
  .bg-orbs i{animation:none!important;filter:blur(60px)}
}