:root{
  --bg:#faf8f3; --surface:#ffffff; --ink:#16201d; --muted:#5b6761; --line:#e4dfd3;
  --brand:#0f5c4d; --brand-2:#0b4237; --accent:#f2b705; --accent-ink:#4a3600;
  --soft:#eef5f2; --warn-bg:#fff6dc; --warn-line:#e9c764; --radius:14px;
  --serif: "Iowan Old Style","Palatino Linotype",Palatino,Georgia,"Times New Roman",serif;
  --sans: system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
@media (prefers-color-scheme: dark){
  :root{--bg:#0f1513;--surface:#172019;--ink:#eaf0ed;--muted:#9fb0a9;--line:#27342e;--brand:#4fd1b0;--brand-2:#7fe3c9;--soft:#14201b;--warn-bg:#2a2410;--warn-line:#6b5a1d;--accent-ink:#f6dd8a}
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.65}
img,svg{max-width:100%;height:auto}
a{color:var(--brand);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--brand-2)}
.wrap{width:min(1120px,100% - 32px);margin-inline:auto}
.narrow{width:min(760px,100% - 32px);margin-inline:auto}
.skip{position:absolute;left:-999px}
.skip:focus{left:12px;top:12px;background:#fff;color:#000;padding:8px 12px;z-index:99;border-radius:8px}

/* header */
.site-header{position:sticky;top:0;z-index:20;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;padding:12px 0}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--serif);font-weight:700;font-size:1.3rem;letter-spacing:-.01em}
.logo svg{width:30px;height:30px}
.nav{display:flex;gap:6px;flex-wrap:wrap}
.nav a{color:var(--ink);text-decoration:none;padding:8px 12px;border-radius:999px;font-size:.95rem;font-weight:500}
.nav a:hover,.nav a[aria-current="page"]{background:var(--soft);color:var(--brand)}
@media (max-width:640px){.site-header .wrap{flex-direction:column;align-items:flex-start;gap:6px}.nav a{padding:6px 10px;font-size:.9rem}}

/* hero */
.hero{padding:64px 0 40px;background:radial-gradient(1000px 360px at 85% -10%,color-mix(in srgb,var(--accent) 22%,transparent),transparent 60%),linear-gradient(180deg,var(--soft),var(--bg))}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);background:var(--surface);border:1px solid var(--line);padding:5px 12px;border-radius:999px}
.hero h1{font-family:var(--serif);font-size:clamp(2.1rem,5.2vw,3.5rem);line-height:1.08;margin:18px 0 14px;letter-spacing:-.02em;max-width:18ch}
.hero p.lead{font-size:1.2rem;color:var(--muted);max-width:56ch;margin:0 0 26px}
.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;padding:13px 22px;border-radius:12px;font-weight:650;border:0;cursor:pointer;font-size:1rem;font-family:inherit}
.btn:hover{background:var(--brand-2);color:#fff}
.btn.alt{background:var(--surface);color:var(--ink);border:1px solid var(--line)}
.btn.alt:hover{background:var(--soft);color:var(--brand)}
@media (prefers-color-scheme: dark){.btn{color:#06201a}.btn:hover{color:#06201a}}
.btn-row{display:flex;gap:12px;flex-wrap:wrap}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px;margin-top:34px}
.stat{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px}
.stat b{display:block;font-family:var(--serif);font-size:1.7rem;color:var(--brand);line-height:1.1}
.stat span{color:var(--muted);font-size:.92rem}

/* sections */
section.block{padding:44px 0}
.block h2{font-family:var(--serif);font-size:clamp(1.5rem,3vw,2rem);letter-spacing:-.01em;margin:0 0 6px}
.block .sub{color:var(--muted);margin:0 0 24px}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fill,minmax(290px,1fr))}
.card{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s,border-color .15s}
.card:hover{transform:translateY(-2px);border-color:var(--brand);box-shadow:0 10px 30px -18px rgba(15,92,77,.5);color:var(--ink)}
.card .tag{font-size:.75rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--brand)}
.card h3{font-family:var(--serif);font-size:1.25rem;line-height:1.25;margin:8px 0 8px}
.card p{margin:0;color:var(--muted);font-size:.97rem}
.card .more{margin-top:14px;font-weight:650;color:var(--brand);font-size:.95rem}
.card.calc{background:linear-gradient(160deg,var(--surface),var(--soft))}

.trust{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.trust div{border-left:3px solid var(--accent);padding:4px 0 4px 16px}
.trust b{display:block;margin-bottom:2px}
.trust span{color:var(--muted);font-size:.96rem}

/* article */
.crumbs{font-size:.88rem;color:var(--muted);padding:22px 0 0}
.crumbs a{color:var(--muted)}
article h1{font-family:var(--serif);font-size:clamp(1.9rem,4.4vw,2.8rem);line-height:1.12;letter-spacing:-.02em;margin:10px 0 12px}
.meta{color:var(--muted);font-size:.92rem;display:flex;gap:6px 16px;flex-wrap:wrap;margin-bottom:22px}
.meta span::before{content:"· ";opacity:.5}.meta span:first-child::before{content:""}
.summary{background:var(--soft);border:1px solid var(--line);border-left:5px solid var(--brand);border-radius:12px;padding:18px 22px;margin:0 0 26px}
.summary b.t{display:block;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);margin-bottom:6px}
.summary ul{margin:0;padding-left:20px}.summary li{margin:4px 0}
.toc{border:1px solid var(--line);border-radius:12px;padding:16px 22px;margin:0 0 30px;background:var(--surface)}
.toc b{display:block;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.toc ol{margin:0;padding-left:20px}.toc li{margin:3px 0}
.prose h2{font-family:var(--serif);font-size:1.65rem;line-height:1.2;margin:42px 0 10px;letter-spacing:-.01em;scroll-margin-top:84px}
.prose h3{font-size:1.15rem;margin:28px 0 6px;scroll-margin-top:84px}
.prose p{margin:0 0 16px}
.prose ul,.prose ol{margin:0 0 18px;padding-left:22px}.prose li{margin:6px 0}
.prose table{width:100%;border-collapse:collapse;margin:18px 0 24px;font-size:.96rem;background:var(--surface);border-radius:12px;overflow:hidden;border:1px solid var(--line)}
.prose th,.prose td{padding:10px 12px;text-align:left;border-bottom:1px solid var(--line)}
.prose th{background:var(--soft);font-size:.85rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
.prose tr:last-child td{border-bottom:0}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.num{text-align:right!important;font-variant-numeric:tabular-nums}
.note{background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:12px;padding:14px 18px;margin:22px 0;font-size:.96rem}
.note b{color:var(--accent-ink)}
.cta{background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;border-radius:var(--radius);padding:24px 26px;margin:34px 0}
.cta h3{margin:0 0 6px;font-family:var(--serif);font-size:1.3rem;color:#fff}
.cta p{margin:0 0 14px;color:#e2f3ee}
.cta .btn{background:var(--accent);color:var(--accent-ink)}
.cta .btn:hover{background:#ffc928;color:var(--accent-ink)}
figure{margin:26px 0}
figure figcaption{font-size:.86rem;color:var(--muted);margin-top:8px}
.chart{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:14px}
.chart text{fill:var(--ink);font-family:var(--sans)}
.chart .lbl{fill:var(--muted)}
.chart .grid-l{stroke:var(--line)}
details{border:1px solid var(--line);border-radius:12px;background:var(--surface);margin:10px 0;padding:0 18px}
summary{cursor:pointer;font-weight:650;padding:14px 0;list-style:none}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";float:right;color:var(--brand);font-weight:700}
details[open] summary::after{content:"–"}
details p{margin:0 0 14px;color:var(--muted)}
.sources ol{font-size:.93rem;color:var(--muted)}
.related{margin:44px 0 8px}
.related h2{font-family:var(--serif);font-size:1.4rem}

/* calculators */
.calc-box{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin:20px 0 30px;box-shadow:0 20px 40px -32px rgba(0,0,0,.4)}
.field{margin-bottom:16px}
.field label{display:block;font-weight:650;margin-bottom:6px}
.field small{display:block;color:var(--muted);margin-top:4px;font-size:.86rem}
.field input[type=number],.field select{width:100%;padding:12px 14px;font-size:1.05rem;border-radius:10px;border:1px solid var(--line);background:var(--bg);color:var(--ink);font-family:inherit}
.field input:focus,.field select:focus{outline:3px solid color-mix(in srgb,var(--brand) 35%,transparent);border-color:var(--brand)}
.check{display:flex;gap:10px;align-items:flex-start;margin:10px 0}
.check input{margin-top:6px;width:18px;height:18px;accent-color:var(--brand)}
.result{margin-top:22px;padding:20px;border-radius:12px;background:var(--soft);border:1px solid var(--line)}
.result .big{font-family:var(--serif);font-size:clamp(2rem,6vw,2.8rem);color:var(--brand);line-height:1;margin:2px 0 6px}
.result dl{display:grid;grid-template-columns:1fr auto;gap:6px 16px;margin:14px 0 0;font-size:.97rem}
.result dt{color:var(--muted)}.result dd{margin:0;text-align:right;font-variant-numeric:tabular-nums;font-weight:600}
.bar{height:10px;background:var(--line);border-radius:99px;overflow:hidden;margin:10px 0}
.bar i{display:block;height:100%;background:linear-gradient(90deg,var(--brand),var(--accent));border-radius:99px;transition:width .35s}
@media (min-width:720px){.two{display:grid;grid-template-columns:1fr 1fr;gap:0 22px}}

/* footer */
.site-footer{margin-top:60px;background:var(--brand-2);color:#d4e8e1;padding:44px 0 26px;font-size:.95rem}
@media (prefers-color-scheme: dark){.site-footer{background:#0a1210}}
.site-footer a{color:#fff}
.fgrid{display:grid;gap:28px;grid-template-columns:2fr 1fr 1fr}
@media (max-width:720px){.fgrid{grid-template-columns:1fr}}
.site-footer h4{margin:0 0 8px;color:#fff;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase}
.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin:6px 0}
.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:26px;padding-top:16px;font-size:.85rem;color:#a9c7bd}

/* cookie banner */
#cookie-banner{position:fixed;inset:auto 16px 16px 16px;z-index:50;max-width:640px;margin-inline:auto;background:var(--surface);color:var(--ink);border:1px solid var(--line);border-radius:14px;padding:18px 20px;box-shadow:0 20px 50px -10px rgba(0,0,0,.35);display:none}
#cookie-banner p{margin:0 0 12px;font-size:.93rem;line-height:1.5}
#cookie-banner .btn{padding:10px 18px;font-size:.93rem}
.page-pad{padding:40px 0 10px}
.page-pad h1{font-family:var(--serif);font-size:clamp(1.9rem,4vw,2.6rem);letter-spacing:-.02em;margin:0 0 10px}
@media print{.site-header,.site-footer,#cookie-banner,.cta{display:none}}