:root {
  --paper: #F6F4EE;
  --card: #FFFFFF;
  --ink: #10202F;
  --muted: #4B5B69;
  --line: #E0DBCD;
  --navy: #0F2A47;
  --navy-2: #173B63;
  --slate: #0F2A47;
  --slate-line: #2B4B72;
  --tape: #FFC83D;
  --steel: #1F5FB5;
  --wrap: 1080px;
  --gutter: 20px;
  --r: 14px;
  --shadow: 0 1px 2px rgba(15,42,71,.06), 0 8px 24px -12px rgba(15,42,71,.25);
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font-family: "Archivo", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 1.0625rem; line-height: 1.65; font-variant-numeric: tabular-nums;
}
img, svg { max-width: 100%; }
a { color: var(--steel); text-underline-offset: 3px; }
a:hover { color: var(--ink); }
:focus-visible { outline: 3px solid var(--tape); outline-offset: 2px; box-shadow: 0 0 0 5px var(--navy); }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: #fff; padding: 8px 14px; z-index: 10; }
.skip:focus { left: 8px; }

/* ---- headings and text ---- */
h1, h2, h3 { font-family: "Bricolage Grotesque", "Archivo", system-ui, sans-serif; font-weight: 800; line-height: 1.12; letter-spacing: -0.015em; margin: 0; }
h1 { font-size: clamp(2.1rem, 5.2vw, 3.4rem); }
h2 { font-size: clamp(1.45rem, 3vw, 1.85rem); margin-top: 2.4rem; margin-bottom: .7rem; }
h3 { font-size: 1.15rem; margin-top: 1.4rem; margin-bottom: .3rem; }
p { margin: 0 0 1rem; }
.lede { font-size: 1.15rem; max-width: 62ch; color: var(--muted); margin-top: .8rem; }
.crumbs { font-size: .9rem; color: #B9CCE3; margin: 0 0 16px; }
.crumbs a { color: #fff; }


/* ---- calculator tool ---- */
.tool { display: grid; grid-template-columns: minmax(0, 1fr); gap: 22px; margin: 26px 0 8px; align-items: start; }
@media (min-width: 880px) { .tool { grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); gap: 32px; } .slip { position: sticky; top: 18px; } }
.panel { background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 24px; box-shadow: var(--shadow); }
.panel h2 { margin: 0 0 14px; font-size: 1.2rem; }
.field { margin-bottom: 16px; }
.field[hidden] { display: none; }
.field label { display: block; font-weight: 600; font-size: .95rem; margin-bottom: 5px; }
.control { position: relative; display: flex; align-items: stretch; }
.control input, .control select {
  width: 100%; min-height: 46px; font: inherit; font-size: 1.05rem; color: var(--ink); background: #fff;
  border: 2px solid #C5CCD3; border-radius: 10px; padding: 8px 12px;
}
.control input:hover, .control select:hover { border-color: #7C8B99; }
.control input { padding-right: 62px; font-variant-numeric: tabular-nums; }
.control .unit { position: absolute; right: 12px; top: 0; bottom: 0; display: flex; align-items: center; color: var(--muted); font-size: .9rem; pointer-events: none; }
.control select { appearance: none; -webkit-appearance: none; padding-right: 38px;
  background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1.5l6 6 6-6' fill='none' stroke='%2318242B' stroke-width='2'/%3E%3C/svg%3E") no-repeat right 14px center; }
.control input:focus-visible, .control select:focus-visible { border-color: var(--steel); box-shadow: 0 0 0 3px rgba(31,95,181,.2); outline: none; }
.optional-note { font-size: .85rem; color: var(--muted); margin: 4px 0 0; }

/* ---- result slip (the one memorable element) ---- */
.slip { background: var(--navy); background-image: linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px); background-size: 28px 28px; color: #E8EEF1; border-radius: var(--r); padding: 38px 26px 22px; position: relative; overflow: hidden; box-shadow: var(--shadow); }
.slip::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 18px; background:
  repeating-linear-gradient(90deg, var(--tape) 0 2px, transparent 2px 40px) left top / 100% 18px no-repeat,
  repeating-linear-gradient(90deg, var(--tape) 0 1px, transparent 1px 8px) left top / 100% 9px no-repeat; }
.slip-label { margin: 0; font-size: .95rem; font-weight: 600; color: #C3CFD6; }
.slip-big { margin: 2px 0 14px; display: flex; align-items: baseline; gap: 10px; flex-wrap: wrap; }
.slip-num { font-family: "Bricolage Grotesque", "Archivo", sans-serif; font-size: clamp(2.8rem, 8vw, 4.4rem); font-weight: 800; line-height: 1; color: var(--tape); letter-spacing: -0.02em; word-break: break-word; }
.slip-unit { font-size: 1.15rem; font-weight: 600; }
.slip dl { margin: 0; border-top: 1px solid var(--slate-line); }
.slip dl > div { display: flex; justify-content: space-between; gap: 16px; padding: 9px 0; border-bottom: 1px dashed var(--slate-line); }
.slip dt { color: #C3CFD6; font-size: .96rem; }
.slip dd { margin: 0; font-weight: 700; text-align: right; }
.slip-notes { margin: 14px 0 0; font-size: .88rem; color: #B7C4CC; line-height: 1.5; }
.slip-message { margin: 8px 0 0; color: #E8EEF1; }

/* ---- long-form content ---- */
.content { max-width: 70ch; padding-bottom: 20px; }
.content ol, .content ul { padding-left: 1.3rem; margin: 0 0 1rem; }
.content li { margin-bottom: .55rem; }
.example { border-left: 5px solid var(--tape); background: #FFF8E1; border-radius: 0 var(--r) var(--r) 0; padding: 14px 18px; margin: 0 0 1rem; }
.faq h3 { margin-top: 1.2rem; }
.related { list-style: none; padding: 0 !important; margin: 0; display: grid; gap: 10px; }
.related li { margin: 0; }
.related a { display: block; text-decoration: none; color: var(--ink); background: var(--card); border: 1px solid var(--line); border-radius: var(--r); padding: 12px 16px; }
.related a:hover { border-color: var(--steel); box-shadow: var(--shadow); }
.related strong { display: block; font-weight: 800; }
.related span { color: var(--muted); font-size: .95rem; }
.updated { color: var(--muted); font-size: .9rem; margin-top: 2rem; }
.disclaimer { font-size: .92rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 14px; margin-top: 2rem; }

/* ---- header ---- */
.site-header { background: var(--navy); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-top: 14px; padding-bottom: 14px; flex-wrap: wrap; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: #fff; text-decoration: none; font-family: "Bricolage Grotesque", "Archivo", sans-serif; font-weight: 800; font-size: 1.4rem; letter-spacing: -0.02em; }
.brand b { color: var(--tape); font-weight: 800; }
.brand svg { width: 38px; height: 38px; flex: none; }
.nav { display: flex; gap: 6px; flex-wrap: wrap; font-weight: 600; font-size: .98rem; }
.nav a { color: #DCE7F3; text-decoration: none; padding: 7px 14px; border-radius: 999px; }
.nav a:hover { background: rgba(255,255,255,.1); color: #fff; }
.nav a[aria-current="page"] { background: var(--tape); color: var(--navy); }

/* ---- blueprint band (top of every page) ---- */
.band { background-color: var(--navy); color: #fff;
  background-image: linear-gradient(rgba(255,255,255,.06) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.06) 1px, transparent 1px);
  background-size: 32px 32px; padding: 6px 0 40px; border-top: 1px solid var(--slate-line); position: relative; }
.band::after { content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 14px; background: var(--paper); clip-path: polygon(0 100%, 0 40%, 100% 100%); }
.band h1 { color: #fff; }
.band .lede { color: #C9D8E8; }
.band > .wrap { padding-top: 22px; }
.page-head { display: flex; gap: 18px; align-items: flex-start; }
.page-head h1 { font-size: clamp(1.9rem, 4.6vw, 3rem); }
.badge { flex: none; width: 52px; height: 52px; border-radius: 14px; display: inline-flex; align-items: center; justify-content: center;
  background: color-mix(in srgb, var(--a, #2D6CDF) 16%, #fff); color: var(--a, #2D6CDF); }
.badge svg { width: 28px; height: 28px; }
.page-head .badge { width: 60px; height: 60px; background: var(--a); color: #fff; box-shadow: 0 0 0 4px rgba(255,255,255,.18); }
.page-head .badge svg { width: 32px; height: 32px; }
.tool { margin-top: 28px; }

/* ---- home ---- */
.hero { display: grid; gap: 28px; align-items: center; grid-template-columns: minmax(0, 1fr); padding-top: 34px; padding-bottom: 8px; }
@media (min-width: 900px) { .hero { grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); } }
.hero h1 { font-size: clamp(2.3rem, 5.6vw, 3.9rem); max-width: 17ch; }
.eyebrow { display: inline-block; margin: 0 0 14px; padding: 5px 12px; border-radius: 999px; background: rgba(255,200,61,.16); color: var(--tape); font-weight: 700; font-size: .85rem; letter-spacing: .02em; }
.cta-row { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 18px; margin: 22px 0 0; }
.btn { display: inline-block; background: var(--tape); color: var(--navy); font-weight: 800; text-decoration: none; padding: 13px 24px; border-radius: 999px; box-shadow: 0 6px 18px -6px rgba(255,200,61,.55); }
.btn:hover { color: var(--navy); background: #FFD66B; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chips span { border: 1px solid rgba(255,255,255,.28); color: #DCE7F3; border-radius: 999px; padding: 4px 12px; font-size: .88rem; }
.hero-art { display: none; }
@media (min-width: 900px) { .hero-art { display: block; } }
.hero-art svg { width: 100%; height: auto; display: block; }
.cards { list-style: none; margin: 18px 0 0; padding: 0; display: grid; gap: 16px; grid-template-columns: minmax(0, 1fr); }
@media (min-width: 600px) { .cards { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 960px) { .cards { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.card { display: flex; flex-direction: column; gap: 4px; height: 100%; padding: 20px; background: var(--card); border: 1px solid var(--line); border-top: 5px solid var(--a); border-radius: var(--r); text-decoration: none; color: var(--ink); box-shadow: var(--shadow); transition: transform .15s ease, box-shadow .15s ease; }
.card:hover { transform: translateY(-3px); box-shadow: 0 2px 4px rgba(15,42,71,.08), 0 16px 30px -14px rgba(15,42,71,.35); color: var(--ink); }
.card .badge { margin-bottom: 10px; }
.card strong { font-family: "Bricolage Grotesque", "Archivo", sans-serif; font-size: 1.3rem; font-weight: 800; letter-spacing: -0.01em; }
.card-sub { color: var(--muted); font-size: .97rem; flex: 1; }
.card-go { margin-top: 10px; font-weight: 700; color: var(--a); }
.steps { margin-top: 2.6rem; }
.steps ol { list-style: none; margin: 14px 0 0; padding: 0; display: grid; gap: 14px; grid-template-columns: minmax(0, 1fr); }
@media (min-width: 760px) { .steps ol { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.steps li { display: flex; gap: 14px; align-items: flex-start; background: #FFF8E1; border: 1px solid #F1E2AE; border-radius: var(--r); padding: 18px; }
.steps b { flex: none; width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: var(--tape); display: inline-flex; align-items: center; justify-content: center; font-family: "Bricolage Grotesque", sans-serif; font-size: 1.1rem; }
.steps strong { display: block; font-weight: 800; }
.steps span { color: var(--muted); font-size: .97rem; }
.two-col { display: grid; gap: 8px 40px; grid-template-columns: minmax(0, 1fr); }
@media (min-width: 760px) { .two-col { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

/* ---- footer ---- */
.site-footer { background: var(--navy); color: #D4DDE2; margin-top: 56px; padding: 34px 0 30px; font-size: .96rem; }
.site-footer a { color: #fff; }
.footer-grid { display: grid; gap: 26px; grid-template-columns: minmax(0, 1fr); }
@media (min-width: 760px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; } }
.site-footer h2 { margin: 0 0 8px; font-size: 1rem; color: var(--tape); }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin: 4px 0; }
.legal { border-top: 1px solid var(--slate-line); margin-top: 24px; padding-top: 16px; color: #B7C4CC; font-size: .88rem; }

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .card { transition: none !important; } }
@media print { .site-header, .site-footer, .related { display: none; } body { background: #fff; } }