:root {
  --ink: #070d18;
  --ink-soft: #2a3648;
  --muted: #5b6b80;
  --paper: #e6ebf2;
  --paper-2: #d7dee8;
  --card: #ffffff;
  --line: #c5d0de;
  --forest: #071422;
  --forest-2: #1e4fbf;
  --mint: #e1e8f2;
  --brass: #3b82f6;
  --terra: #b42318;
  --sky: #0369a1;
  --good: #0f766e;
  --shadow: 0 10px 28px rgba(7, 20, 34, 0.08);
  --radius: 12px;
  --max: 1180px;
  --font: "IBM Plex Sans", "Segoe UI", sans-serif;
  --sans: "IBM Plex Sans", "Segoe UI", sans-serif;
}

*,
*::before,
*::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.55;
}
a { color: var(--forest-2); text-underline-offset: 3px; }
a:hover { color: var(--forest-2); }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 8px; top: 8px; z-index: 80; background: #fff; padding: 8px; }
.wrap { width: min(var(--max), calc(100% - 28px)); margin: 0 auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 64px;
  gap: 12px;
}
.brand {
  display: flex;
  align-items: baseline;
  gap: 8px;
  text-decoration: none;
  color: var(--ink);
}
.brand b {
  font-family: var(--font);
  font-size: 1.4rem;
  letter-spacing: -0.04em;
}
.brand b i { font-style: normal; color: var(--forest-2); }
.brand small {
  color: var(--muted);
  font-weight: 700;
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.nav { display: flex; gap: 4px; align-items: center; }
.nav a, .nav-drop > button {
  color: var(--ink-soft);
  text-decoration: none;
  font-weight: 700;
  font-size: 0.92rem;
  background: none;
  border: 0;
  font-family: inherit;
  cursor: pointer;
  padding: 8px 10px;
  border-radius: 999px;
}
.nav a:hover, .nav a.active, .nav-drop > button:hover {
  background: var(--paper-2);
  color: var(--ink);
}
.nav-drop { position: relative; }
.drop {
  display: none;
  position: absolute;
  right: 0;
  top: 110%;
  width: 280px;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: var(--shadow);
  padding: 8px;
  z-index: 20;
}
.nav-drop:hover .drop, .nav-drop:focus-within .drop { display: grid; gap: 2px; }
.drop a { display: block; padding: 9px 10px; border-radius: 10px; color: var(--ink); }
.drop a:hover { background: var(--mint); }
.menu-btn {
  display: none;
  border: 1px solid var(--line);
  background: var(--card);
  border-radius: 10px;
  padding: 8px 12px;
  font-weight: 800;
}

.hero { padding: 42px 0 10px; }

body.home {
  background:
    linear-gradient(180deg, #d7e4f4 0%, var(--paper) 280px);
}
.hero-band {
  position: relative;
  isolation: isolate;
  background:
    url("../img/hero-skyline.png") center 42% / cover no-repeat;
  margin: 0 0 8px;
  overflow: hidden;
}
.hero-band::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  background:
    linear-gradient(105deg, rgba(6, 16, 36, 0.82) 0%, rgba(10, 36, 78, 0.58) 46%, rgba(18, 70, 140, 0.22) 100%),
    linear-gradient(180deg, rgba(7, 20, 40, 0.18) 0%, rgba(7, 20, 40, 0.45) 100%);
}
.hero-band .hero {
  position: relative;
  z-index: 1;
  padding: 56px 0 64px;
}
.hero-band .kicker {
  background: rgba(255, 255, 255, 0.16);
  color: #f4f8ff;
  border: 1px solid rgba(255, 255, 255, 0.22);
}
.hero-band h1 { color: #fff; text-shadow: 0 8px 28px rgba(4, 12, 28, 0.35); }
.hero-band .lede { color: rgba(244, 248, 255, 0.9); }
.hero-band .btn-ghost {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.42);
  color: #fff;
}
.hero-band .btn-ghost:hover {
  background: rgba(255, 255, 255, 0.22);
  border-color: #fff;
  color: #fff;
}
.kicker {
  display: inline-block;
  background: var(--mint);
  color: var(--forest);
  font-weight: 800;
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 5px 10px;
  border-radius: 999px;
  margin-bottom: 14px;
}
h1, h2, h3 { font-family: var(--font); line-height: 1.15; letter-spacing: -0.02em; font-weight: 600; }
h1 { font-size: clamp(2rem, 5vw, 3.3rem); margin: 0 0 12px; max-width: 16ch; }
.lede { font-size: 1.12rem; color: var(--ink-soft); max-width: 58ch; margin: 0 0 22px; }
.hero-actions, .cookie-actions, .chip-row { display: flex; flex-wrap: wrap; gap: 8px; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 12px 18px;
  font-weight: 800;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  font-family: var(--sans);
}
.btn-primary { background: var(--forest); color: #fff; }
.btn-primary:hover { background: #071528; color: #fff; }
.btn-ghost { background: #fff; border-color: var(--line); color: var(--ink); }
.btn-ghost:hover { border-color: var(--forest); }

.pick-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin: 28px 0 36px;
}
.pick {
  display: grid;
  gap: 6px;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px 18px 16px;
  text-decoration: none;
  color: inherit;
  box-shadow: var(--shadow);
  min-height: 168px;
  transition: transform 0.15s ease, border-color 0.15s ease;
}
.pick:hover { transform: translateY(-3px); border-color: var(--forest-2); color: inherit; }
.pick .icon { font-size: 1.4rem; }
.pick h3 { margin: 4px 0 0; font-size: 1.22rem; }
.pick p { margin: 0; color: var(--ink-soft); font-size: 0.92rem; }
.pick .preview {
  margin-top: auto;
  font-weight: 800;
  color: var(--forest);
  font-size: 1.05rem;
}

.page-hero { padding: 22px 0 0; }
.page-hero h1 { font-size: clamp(1.7rem, 4vw, 2.4rem); max-width: 22em; margin-bottom: 8px; }
.crumbs { color: var(--muted); font-size: 0.86rem; margin-bottom: 8px; }
.crumbs a { color: var(--muted); text-decoration: none; }

.calc-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 390px;
  gap: 18px;
  align-items: start;
  padding: 18px 0 28px;
}
.panel, .card {
  display: block;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
  box-shadow: var(--shadow);
}
.section { padding: 10px 0 48px; }
.section h2 { font-size: 1.55rem; margin: 0 0 8px; }
.section-intro {
  color: var(--ink-soft);
  max-width: 70ch;
  margin: 0 0 20px;
}
.grid-3, .grid-2 { display: grid; gap: 16px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: 1.1fr 0.9fr; }
.meta {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--muted);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.meta::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--forest-2);
  flex-shrink: 0;
}
a.card { text-decoration: none; color: inherit; }
a.card:hover { border-color: var(--forest-2); color: inherit; }
.results {
  position: sticky;
  top: 78px;
  background: linear-gradient(180deg, #061018 0%, #071422 100%);
  color: #f8fafc;
  border: 0;
}
.results .big-label {
  opacity: 0.75;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.results .big {
  font-family: var(--font);
  font-size: clamp(2.4rem, 6vw, 3.3rem);
  margin: 2px 0 4px;
  letter-spacing: -0.04em;
  line-height: 1;
}
.results .sub { opacity: 0.85; margin-bottom: 14px; }
.result-rows { display: grid; gap: 8px; margin: 12px 0; }
.result-row {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  padding-bottom: 7px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
  font-size: 0.95rem;
}
.result-row span { opacity: 0.75; }
.results .note { opacity: 0.7; font-size: 0.8rem; }

.stack-bar {
  display: flex;
  height: 14px;
  border-radius: 999px;
  overflow: hidden;
  background: rgba(255,255,255,0.12);
  margin: 10px 0 8px;
}
.stack-bar .seg { height: 100%; }
.legend { display: flex; flex-wrap: wrap; gap: 8px 12px; font-size: 0.78rem; }
.legend i {
  display: inline-block;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  margin-right: 5px;
}

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.span-2, .span-2 { grid-column: 1 / -1; }
label { font-size: 0.82rem; font-weight: 800; color: var(--ink-soft); }
.hint { font-size: 0.75rem; color: var(--muted); font-weight: 600; }
.input-wrap {
  display: flex;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
}
.input-wrap:focus-within {
  border-color: var(--forest-2);
  box-shadow: 0 0 0 3px rgba(29, 78, 216, 0.16);
}
.affix { padding: 0 10px; color: var(--muted); font-weight: 800; }
input[type="number"], input[type="text"], input[type="email"], select {
  width: 100%;
  border: 0;
  background: transparent;
  font: inherit;
  padding: 11px 10px 11px 0;
  color: var(--ink);
}
select { padding-left: 12px; }
textarea {
  width: 100%;
  min-height: 130px;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 12px;
  font: inherit;
}
input[type="range"] { width: 100%; accent-color: var(--forest-2); }
.chip {
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 999px;
  padding: 6px 11px;
  font-size: 0.8rem;
  font-weight: 800;
  cursor: pointer;
}
.chip.active { background: var(--forest); color: #fff; border-color: var(--forest); }

details.more {
  margin-top: 14px;
  border-top: 1px dashed var(--line);
  padding-top: 12px;
}
details.more > summary {
  cursor: pointer;
  font-weight: 800;
  color: var(--forest);
  list-style: none;
}
details.more > summary::-webkit-details-marker { display: none; }

.charts {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 16px;
  margin: 0 0 16px;
}
.charts .panel h2 { font-size: 1.08rem; margin: 0 0 4px; }
.chart-caption { margin: 0 0 10px; color: var(--muted); font-size: 0.82rem; }
.chart-box { height: 280px; position: relative; }
.table-wrap {
  overflow: auto;
  max-height: 320px;
  border: 1px solid var(--line);
  border-radius: 12px;
}
table { width: 100%; border-collapse: collapse; font-size: 0.88rem; }
th, td { text-align: left; padding: 8px 10px; border-bottom: 1px solid var(--line); white-space: nowrap; }
th { background: var(--paper-2); font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.04em; }

.prose { max-width: 72ch; }
.prose h2 { margin-top: 1.4em; }
.prose h3 { margin-top: 1.15em; font-size: 1.05rem; }
.prose p, .prose li { color: var(--ink-soft); }
.prose ul, .prose ol { padding-left: 1.2em; margin: 0.5em 0 1em; }
.prose li { margin: 0.35em 0; }
.byline { color: var(--muted); font-size: 0.88rem; margin: 0 0 1.15em; }
.sources { margin-top: 2em; padding-top: 1.1em; border-top: 1px solid var(--line); }
.sources h2 { font-size: 1.05rem; }
.contact-fallback { margin-top: 16px; }
.contact-fallback[hidden] { display: none !important; }
.contact-fallback pre {
  white-space: pre-wrap;
  font-family: var(--sans);
  font-size: 0.88rem;
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 12px 14px;
  color: var(--ink-soft);
}
.faq details { border-top: 1px solid var(--line); padding: 11px 0; }
.faq summary { cursor: pointer; font-weight: 800; }

.ad-slot {
  display: none;
  margin: 16px 0;
  padding: 8px;
  border: 1px dashed var(--line);
  border-radius: 12px;
  background: #f8fafc;
  text-align: center;
}
.ad-label {
  display: block;
  font-size: 0.68rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 6px;
}
.ad-placeholder {
  min-height: 90px;
  display: grid;
  place-items: center;
  color: var(--muted);
  font-size: 0.84rem;
}

.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.compare-card {
  background: rgba(255,255,255,0.08);
  border-radius: 12px;
  padding: 12px;
}
.compare-card.winner { outline: 2px solid #60a5fa; }
.compare-card h4 { margin: 0 0 6px; font-size: 0.95rem; }
.badge {
  display: inline-block;
  background: #3b82f6;
  color: #fff;
  font-size: 0.7rem;
  font-weight: 800;
  padding: 2px 7px;
  border-radius: 999px;
  margin-left: 6px;
}

.debt-item {
  display: grid;
  grid-template-columns: 1.1fr 0.7fr 0.65fr 0.65fr auto;
  gap: 8px;
  align-items: end;
  margin-bottom: 8px;
}
.related { display: flex; flex-wrap: wrap; gap: 8px; }
.related a {
  background: var(--paper-2);
  color: var(--ink);
  text-decoration: none;
  padding: 8px 12px;
  border-radius: 999px;
  font-weight: 800;
  font-size: 0.86rem;
}

.site-footer {
  margin-top: 12px;
  padding: 32px 0 22px;
  background: #071422;
  color: #94a3b8;
  border-top: 0;
}
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 22px; }
.site-footer h3 { margin: 0 0 8px; font-size: 0.95rem; color: #fff; }
.site-footer a { display: block; color: #94a3b8; text-decoration: none; margin: 6px 0; }
.site-footer a:hover { color: #fff; }
.legal { margin-top: 18px; padding-top: 14px; border-top: 1px solid rgba(255,255,255,0.12); color: #64748b; font-size: 0.8rem; }

.cookie {
  position: fixed;
  left: 50%;
  bottom: 12px;
  transform: translateX(-50%);
  width: min(560px, calc(100% - 20px));
  background: var(--ink);
  color: #e2e8f0;
  border-radius: 12px;
  padding: 10px 12px;
  z-index: 60;
  display: none;
  box-shadow: var(--shadow);
}
.cookie.show { display: flex; align-items: center; justify-content: space-between; gap: 10px; }
.cookie p { margin: 0; font-size: 0.8rem; }
.cookie .btn-primary { background: #1d4ed8; color: #fff; }
@media (max-width: 640px) {
  .cookie.show { flex-direction: column; align-items: stretch; }
}

.hidden { display: none !important; }
.results .compare-card h4 { font-family: var(--sans); }
.results a { color: #93c5fd; }

.warn-box {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: 12px;
  padding: 12px;
  color: var(--ink-soft);
  font-size: 0.9rem;
}
.callout {
  background: var(--mint);
  border-radius: 12px;
  padding: 12px 14px;
  font-weight: 700;
}

@media (max-width: 980px) {
  .pick-grid, .form-grid, .calc-layout, .footer-grid, .compare, .debt-item, .grid-3, .grid-2, .charts {
    grid-template-columns: 1fr;
  }
  .nav {
    display: none;
    position: absolute;
    inset: 64px 0 auto 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    padding: 10px 16px 16px;
    flex-direction: column;
    align-items: stretch;
  }
  .nav.open { display: flex; }
  .drop { position: static; display: grid; width: auto; box-shadow: none; border: 0; padding: 0; background: transparent; }
  .menu-btn { display: inline-flex; }
  .brand small { display: none; }
  .calc-layout { grid-template-columns: 1fr; }
  .results { position: static; }
  .results .big { font-size: 2.3rem; }
}