:root{
  --bg:#f3f6f5; --surface:#ffffff; --ink:#15302f; --muted:#5a6f6c; --line:#d6e0dd;
  --accent:#9a6b14; --accent-soft:#f4e9d2; --band:#1f5c57; --band-ink:#ffffff; --band-soft:#dcebe8;
  --good:#2f7a3d; --warn:#a1580b; --warn-soft:#fbead5; --error:#b3261e;
  --display:"Young Serif",Georgia,serif; --body:"Public Sans",system-ui,-apple-system,sans-serif; --mono:"IBM Plex Mono",ui-monospace,Menlo,monospace;
  color-scheme:light;
}
@media (prefers-color-scheme:dark){:root{
  --bg:#0f1918; --surface:#162423; --ink:#e4eeec; --muted:#93a8a4; --line:#2a3b39;
  --accent:#e0b25a; --accent-soft:#33291a; --band:#6fbdb4; --band-ink:#0f1918; --band-soft:#1d3634;
  --good:#7ccf8a; --warn:#f0a85a; --warn-soft:#3a2a17; --error:#ff8a80; color-scheme:dark}}

*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:72px}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--body);font-size:16px;line-height:1.6}
img{max-width:100%}
a{color:var(--band)}
h1,h2,h3{font-family:var(--display);font-weight:400;text-wrap:balance;margin:0;line-height:1.15}
h1{font-size:clamp(2rem,6vw,3.2rem)}
h2{font-size:clamp(1.5rem,4vw,2.1rem)}
h3{font-size:1.2rem}
p{margin:0}
.num{font-family:var(--mono);font-variant-numeric:tabular-nums}
.eyebrow{font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:600}
.lede{color:var(--muted);font-size:1.1rem;max-width:62ch}
.wrap{max-width:1040px;margin:0 auto;padding:0 16px}
.narrow{max-width:760px}
section{padding:56px 0}
.stack{display:flex;flex-direction:column;gap:18px}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}

/* Header */
.site-header{position:sticky;top:0;z-index:10;background:color-mix(in srgb,var(--bg) 92%,transparent);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:60px}
.brand{font-family:var(--display);font-size:1.15rem;color:var(--ink);text-decoration:none;white-space:nowrap}
.brand span{color:var(--accent)}
.site-nav{display:flex;gap:20px;font-size:.9rem}
.site-nav a{color:var(--muted);text-decoration:none}
.site-nav a:hover{color:var(--ink)}
.site-nav a.btn,.site-nav a.btn:hover{color:var(--band-ink)}
@media (max-width:720px){.site-nav a:not(.btn){display:none}}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 .95rem var(--body);padding:12px 20px;border-radius:8px;border:1.5px solid var(--band);background:var(--band);color:var(--band-ink);text-decoration:none;cursor:pointer}
.btn:hover{filter:brightness(1.08)}
.btn.ghost{background:transparent;color:var(--band)}
.btn.small{padding:8px 14px;font-size:.85rem}
.btn[disabled]{opacity:.6;cursor:wait}

/* Hero */
.hero{padding:64px 0 40px}
.hero .stack{gap:22px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:12px}
@media (max-width:720px){.facts{grid-template-columns:1fr 1fr}}
.fact{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:14px 16px;display:flex;flex-direction:column;gap:2px}
.fact b{font-family:var(--mono);font-weight:500;font-size:1.25rem}
.fact span{font-size:.82rem;color:var(--muted)}

/* Panels */
.panel{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:22px;display:flex;flex-direction:column;gap:14px;min-width:0}
.calc-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:18px;align-items:start}
@media (max-width:860px){.calc-grid{grid-template-columns:1fr}}
label{font-weight:600;font-size:.9rem}
.field{display:flex;flex-direction:column;gap:6px}
.money{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:8px;background:var(--bg);padding:0 12px}
.money:focus-within{border-color:var(--band)}
.money span{font-family:var(--mono);color:var(--muted);font-size:1.3rem}
.money input{border:0;background:transparent;color:var(--ink);font-family:var(--mono);font-size:1.6rem;padding:10px 8px;width:100%;outline:none;min-width:0}
input[type=range]{width:100%;accent-color:var(--band)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.row{grid-template-columns:1fr}}
.input,select.input{font:inherit;font-size:.95rem;padding:10px 12px;border:1.5px solid var(--line);border-radius:8px;background:var(--bg);color:var(--ink);width:100%}
.input:focus{border-color:var(--band);outline:none}
.hint{font-size:.82rem;color:var(--muted)}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.88rem}
.check input{margin-top:4px;accent-color:var(--band);flex:none}

.verdict{background:var(--band);color:var(--band-ink);border:0}
.verdict .eyebrow{color:inherit;opacity:.8}
.big{font-family:var(--display);font-size:clamp(2.6rem,9vw,3.6rem);line-height:1}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
@media (max-width:560px){.stats{grid-template-columns:1fr 1fr}}
.stat{display:flex;flex-direction:column;gap:2px}
.stat b{font-family:var(--mono);font-size:1.05rem;font-weight:500}
.stat span{font-size:.75rem;opacity:.85}
.chart{width:100%;height:auto;display:block}

.lens{border-left:4px solid var(--accent);background:var(--accent-soft);border-radius:0 10px 10px 0;padding:16px 18px;display:flex;flex-direction:column;gap:8px}
.lens.warn{border-color:var(--warn);background:var(--warn-soft)}
.lens strong{font-family:var(--mono);font-weight:500}

.tablewrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:.9rem}
th,td{text-align:right;padding:8px 6px;border-bottom:1px solid var(--line)}
th:first-child,td:first-child{text-align:left}
th{font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:600}
tfoot td{font-weight:700;border-bottom:0}

/* Signup */
.signup{border:2px solid var(--accent)}
.signup .guide-title{font-family:var(--display);font-size:1.35rem}
.signup ul{margin:0;padding-left:18px;display:flex;flex-direction:column;gap:4px;font-size:.92rem}
.form-msg{font-size:.88rem}
.form-msg.error{color:var(--error)}

/* Steps, timeline, FAQ */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width:760px){.steps{grid-template-columns:1fr}}
.step{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:20px;display:flex;flex-direction:column;gap:8px}
.step .n{font-family:var(--mono);color:var(--accent);font-size:.85rem}
.cliff{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:560px){.cliff{grid-template-columns:1fr}}
.cliff div{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:16px;display:flex;flex-direction:column;gap:4px}
.cliff b{font-family:var(--mono);font-weight:500;font-size:1.3rem}
.timeline{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:0;border-left:2px solid var(--line);margin-left:6px}
.timeline li{position:relative;padding:0 0 22px 22px}
.timeline li::before{content:"";position:absolute;left:-7px;top:6px;width:12px;height:12px;border-radius:50%;background:var(--band)}
.timeline b{display:block;font-family:var(--mono);font-weight:500}
details{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:14px 18px}
details+details{margin-top:10px}
summary{cursor:pointer;font-weight:600}
details p{margin-top:10px;color:var(--muted)}
ul.rules{margin:0;padding-left:18px;display:flex;flex-direction:column;gap:6px}

/* Footer */
.site-footer{border-top:1px solid var(--line);padding:32px 0 48px;font-size:.82rem;color:var(--muted)}
.site-footer .wrap{display:flex;flex-direction:column;gap:10px}
.site-footer nav{display:flex;flex-wrap:wrap;gap:16px}

/* Plain pages */
.prose{display:flex;flex-direction:column;gap:14px}
.prose h2{font-size:1.35rem;margin-top:14px}
.prose ul{margin:0;padding-left:20px}
.todo{background:var(--warn-soft);padding:0 4px;border-radius:4px}