:root{
  --ink:#090d0b;--ink2:#0b100d;--felt:#111a15;--felt2:#16221b;--felt3:#1c2a21;
  --bone:#f2eee5;--muted:#9ca79f;--gold:#c9a227;--gold2:#efcb5d;--green:#46d999;
  --red:#d7665b;--blue:#8db5ff;--rule:rgba(242,238,229,.11);--rule2:rgba(239,203,93,.26);
  --shadow:0 24px 70px rgba(0,0,0,.34);--max:1120px;--r:18px
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--ink);color:var(--bone);font:16px/1.65 'Libre Franklin',system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;-webkit-font-smoothing:antialiased}body:before{content:'';position:fixed;inset:0;pointer-events:none;opacity:.22;background:radial-gradient(circle at 90% 15%,rgba(239,203,93,.08),transparent 24%),radial-gradient(circle at 8% 60%,rgba(70,217,153,.05),transparent 28%);z-index:-1}a{color:inherit}img{max-width:100%;height:auto}button,input,select{font:inherit}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.narrow{width:min(840px,calc(100% - 40px));margin:auto}.kicker{color:var(--muted);font-size:.9rem}.dot{display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--green);margin-right:9px;box-shadow:0 0 0 5px rgba(70,217,153,.08)}
.header{position:sticky;top:0;z-index:50;background:rgba(9,13,11,.82);backdrop-filter:blur(18px);border-bottom:1px solid var(--rule)}.bar{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:'Space Grotesk',sans-serif;font-weight:700;letter-spacing:-.03em}.brandmark{width:30px;height:30px;border:1px solid var(--rule2);border-radius:9px;position:relative;background:linear-gradient(145deg,var(--felt3),var(--felt))}.brandmark:after{content:'';position:absolute;inset:7px;border:3px solid var(--gold2);border-radius:50%}.brand small{font:500 .65rem 'Libre Franklin';color:var(--muted);border:1px solid var(--rule);padding:2px 7px;border-radius:999px;letter-spacing:0}.nav{display:flex;align-items:center;gap:6px}.nav a{text-decoration:none;color:var(--muted);font-size:.84rem;font-weight:600;padding:9px 10px;border-radius:9px;white-space:nowrap}.nav a:hover,.nav a.active{color:var(--bone);background:var(--felt)}.navscroll{overflow-x:auto;scrollbar-width:none}.navscroll::-webkit-scrollbar{display:none}
.menuToggle{display:none;width:42px;height:42px;align-items:center;justify-content:center;flex-direction:column;gap:5px;border:1px solid var(--rule);border-radius:11px;background:var(--felt);color:var(--bone);cursor:pointer;padding:0;transition:.18s ease}.menuToggle:hover{border-color:var(--rule2);background:var(--felt2)}.menuToggle span{display:block;width:19px;height:2px;border-radius:99px;background:currentColor;transition:transform .2s ease,opacity .2s ease}.menuToggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}.menuToggle[aria-expanded="true"] span:nth-child(2){opacity:0}.menuToggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.hero{position:relative;overflow:hidden;padding:82px 0 66px;border-bottom:1px solid var(--rule)}.hero:before,.hero:after{content:'';position:absolute;border:1px solid rgba(201,162,39,.15);border-radius:50%;pointer-events:none}.hero:before{width:430px;height:430px;right:-110px;top:-180px;box-shadow:-70px 190px 0 20px rgba(0,0,0,0),-70px 190px 0 21px rgba(201,162,39,.09)}.hero:after{width:140px;height:140px;right:25%;bottom:-95px}.heroGrid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(320px,.8fr);gap:58px;align-items:center}.eyebrow{display:flex;align-items:center;color:var(--muted);font-weight:600;margin-bottom:18px}.hero h1{font:700 clamp(2.7rem,6vw,5.7rem)/.98 'Space Grotesk',sans-serif;letter-spacing:-.055em;margin:0 0 22px;color:var(--gold2);max-width:800px}.hero .lead{font-size:clamp(1.05rem,2vw,1.28rem);color:#d8d7d1;max-width:670px;margin:0 0 26px}.chips{display:flex;flex-wrap:wrap;gap:10px}.chip{display:inline-flex;align-items:center;gap:8px;padding:9px 14px;border:1px solid var(--rule2);border-radius:999px;color:#dedbd1;font-weight:700;font-size:.86rem;background:rgba(17,26,21,.58)}.chip b{color:var(--gold2)}
.panel{position:relative;background:linear-gradient(180deg,rgba(22,34,27,.94),rgba(14,22,17,.94));border:1px solid var(--rule2);border-radius:var(--r);box-shadow:var(--shadow);overflow:hidden}.panelHead{padding:18px 20px;border-bottom:1px solid var(--rule);display:flex;justify-content:space-between;align-items:center;gap:12px}.panelHead .label{text-transform:uppercase;letter-spacing:.13em;font-size:.68rem;color:var(--muted);font-weight:800}.panelBody{padding:20px}.statGrid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.stat{background:rgba(8,13,10,.52);border:1px solid var(--rule);border-radius:12px;padding:15px}.stat span{display:block;color:var(--muted);font-size:.74rem;margin-bottom:5px}.stat strong{font:700 1.25rem 'Space Grotesk';color:var(--bone)}.stat strong.gold{color:var(--gold2)}.stat strong.green{color:var(--green)}
.clock{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}.clockBox{border:1px solid rgba(242,238,229,.7);border-radius:11px;text-align:center;padding:13px 5px 10px;background:rgba(8,13,10,.55)}.clockBox b{display:block;font:700 clamp(1.35rem,4vw,2.1rem) 'Space Grotesk';color:var(--gold2);font-variant-numeric:tabular-nums}.clockBox span{color:var(--muted);font-size:.65rem}.nextline{text-align:center;color:var(--muted);font-size:.78rem;margin-top:10px}.heroPanelNote{padding-top:14px;margin-top:14px;border-top:1px solid var(--rule);color:var(--muted);font-size:.78rem}
.section{padding:72px 0}.section.alt{background:var(--felt);border-block:1px solid var(--rule)}.sectionHead{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:28px}.sectionHead h2,.content h2{font:700 clamp(1.65rem,3.5vw,2.3rem)/1.15 'Space Grotesk';letter-spacing:-.035em;margin:0}.sectionHead p{color:var(--muted);max-width:610px;margin:0}.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.grid4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.card{background:var(--felt);border:1px solid var(--rule);border-radius:15px;padding:23px}.alt .card{background:var(--ink2)}.card h3{font:700 1.08rem 'Space Grotesk';letter-spacing:-.02em;margin:0 0 8px}.card p{color:var(--muted);margin:0}.card .big{font:700 2rem 'Space Grotesk';color:var(--gold2);display:block;margin:6px 0}.icon{width:36px;height:36px;border-radius:10px;display:grid;place-items:center;background:rgba(239,203,93,.08);border:1px solid var(--rule2);color:var(--gold2);font-weight:800;margin-bottom:15px}.good{color:var(--green)!important}.warn{color:var(--gold2)!important}.bad{color:var(--red)!important}
.callout{border:1px solid var(--rule2);background:linear-gradient(135deg,rgba(201,162,39,.08),rgba(70,217,153,.03));border-radius:15px;padding:20px 22px}.callout strong{font-family:'Space Grotesk';color:var(--gold2)}.callout p{margin:4px 0 0;color:var(--muted)}
.calcShell{display:grid;grid-template-columns:1.08fr .92fr;gap:16px;align-items:stretch}.formCard,.resultCard{background:var(--felt);border:1px solid var(--rule);border-radius:16px;padding:24px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field label{display:block;color:var(--muted);font-size:.82rem;font-weight:700;margin-bottom:7px}.inputWrap{position:relative}.inputWrap .prefix{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--muted)}input,select{width:100%;background:var(--ink2);border:1px solid var(--rule);border-radius:10px;color:var(--bone);padding:13px 14px;outline:none}input.withPrefix{padding-left:30px}input:focus,select:focus{border-color:var(--gold)}.smallprint{font-size:.78rem;color:var(--muted);margin-top:12px}.resultLabel{font-size:.75rem;color:var(--muted);text-transform:uppercase;letter-spacing:.12em;font-weight:800}.resultValue{font:700 clamp(2.4rem,6vw,4.5rem)/1 'Space Grotesk';letter-spacing:-.06em;color:var(--gold2);margin:10px 0 12px}.resultMeta{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:18px}.mini{border:1px solid var(--rule);border-radius:11px;padding:13px}.mini span{display:block;color:var(--muted);font-size:.72rem}.mini b{font-family:'Space Grotesk'}
.content{max-width:800px}.content h2{margin:42px 0 15px}.content h3{font:700 1.18rem 'Space Grotesk';margin:28px 0 8px}.content p,.content li{color:#b4bbb5}.content ul,.content ol{padding-left:22px}.content li{margin:8px 0}.content a{color:var(--gold2)}.toc{background:var(--felt);border:1px solid var(--rule);border-radius:14px;padding:20px 22px;margin:28px 0}.toc strong{font-family:'Space Grotesk'}.toc a{display:block;text-decoration:none;color:var(--muted);padding:5px 0}.toc a:hover{color:var(--bone)}
.steps{display:grid;gap:12px}.step{display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:start;padding:18px;border:1px solid var(--rule);border-radius:13px;background:var(--felt)}.stepn{width:34px;height:34px;border:1px solid var(--rule2);border-radius:50%;display:grid;place-items:center;color:var(--gold2);font:700 .9rem 'Space Grotesk'}.step h3{margin:0 0 4px}.step p{margin:0;color:var(--muted)}
.compare{width:100%;border-collapse:separate;border-spacing:0;background:var(--felt);border:1px solid var(--rule);border-radius:14px;overflow:hidden}.compare th,.compare td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--rule);vertical-align:top}.compare th{font-size:.76rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}.compare tr:last-child td{border-bottom:0}.compare td:first-child{font-weight:700;color:var(--bone)}
details{border-bottom:1px solid var(--rule);padding:16px 0}summary{list-style:none;cursor:pointer;font-weight:700;display:flex;justify-content:space-between;gap:20px}summary::-webkit-details-marker{display:none}summary:after{content:'+';color:var(--gold2);font:700 1.3rem 'Space Grotesk'}details[open] summary:after{content:'–'}details p{color:var(--muted);margin:10px 0 0}
.guideNav{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.guideNav a{text-decoration:none;background:var(--felt);border:1px solid var(--rule);border-radius:12px;padding:14px;min-height:96px}.guideNav a:hover{border-color:var(--rule2);transform:translateY(-1px)}.guideNav small{display:block;color:var(--muted);font-size:.68rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:5px}.guideNav b{font-family:'Space Grotesk';font-size:.9rem}
.footer{border-top:1px solid var(--rule);padding:34px 0 42px;color:var(--muted);font-size:.8rem}.footerTop{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-bottom:20px;margin-bottom:20px;border-bottom:1px solid var(--rule)}.footerBrand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--bone);font:700 1rem 'Space Grotesk';letter-spacing:-.02em;white-space:nowrap}.footerBrand .brandmark{width:27px;height:27px}.footerNav{display:flex;align-items:center;justify-content:flex-end;flex-wrap:wrap;gap:7px}.footerNav a{color:var(--muted);text-decoration:none;border:1px solid var(--rule);background:var(--felt);padding:7px 10px;border-radius:9px;font-weight:700;transition:.16s ease}.footerNav a:hover{color:var(--bone);border-color:var(--rule2);background:var(--felt2);transform:translateY(-1px)}.footerBottom{display:flex;align-items:flex-start;justify-content:space-between;gap:28px}.legal{max-width:880px;line-height:1.65}.badge18{display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--rule2);color:var(--gold2);border-radius:999px;padding:5px 10px;font-weight:800;white-space:nowrap}
@media(max-width:950px){.heroGrid{grid-template-columns:1fr;gap:34px}.hero h1{max-width:760px}.guideNav{grid-template-columns:repeat(3,1fr)}.grid4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){body{padding-top:62px}.wrap,.narrow{width:min(100% - 28px,var(--max))}.header{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(9,13,11,.96);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px)}.bar{min-height:62px}.brand small{display:none}.menuToggle{display:flex;flex:none}.navscroll{position:fixed;top:62px;left:0;right:0;z-index:999;width:100%;max-height:calc(100dvh - 62px);overflow-y:auto;overflow-x:hidden;padding:12px 14px 18px;background:rgba(9,13,11,.985);border-bottom:1px solid var(--rule);box-shadow:0 22px 48px rgba(0,0,0,.34);opacity:0;visibility:hidden;pointer-events:none;transform:translateY(-8px);transition:opacity .18s ease,transform .18s ease,visibility .18s ease}.header.menu-open .navscroll{opacity:1;visibility:visible;pointer-events:auto;transform:translateY(0)}.nav{display:grid;grid-template-columns:1fr 1fr;gap:8px;width:min(100%,560px);margin:0 auto}.nav a{display:flex;align-items:center;min-height:48px;padding:12px 14px;font-size:.84rem;border:1px solid var(--rule);border-radius:11px;background:var(--felt);color:var(--muted)}.nav a:hover,.nav a.active{color:var(--bone);background:var(--felt2);border-color:var(--rule2)}.nav a.active{color:var(--gold2)}.hero{padding:56px 0 44px}.hero h1{font-size:clamp(2.35rem,14vw,4.2rem)}.hero .lead{font-size:1rem}.section{padding:54px 0}.sectionHead{display:block}.sectionHead p{margin-top:9px}.grid2,.grid3,.calcShell{grid-template-columns:1fr}.fields{grid-template-columns:1fr}.guideNav{grid-template-columns:1fr 1fr}.resultCard{min-height:280px}.footerTop,.footerBottom{align-items:flex-start;flex-direction:column}.footerNav{justify-content:flex-start}.badge18{margin-top:0}.clock{gap:6px}.clockBox{padding:10px 2px 8px}.clockBox b{font-size:1.45rem}}
@media(max-width:430px){.nav{grid-template-columns:1fr}.nav a{min-height:44px}.guideNav{grid-template-columns:1fr}.grid4{grid-template-columns:1fr 1fr}.stat{padding:12px}.card{padding:19px}.formCard,.resultCard{padding:20px}.hero .chips{gap:7px}.chip{padding:8px 11px;font-size:.78rem}.bar .brand{font-size:.92rem}}