:root {
  --navy: #0f2a43;
  --teal: #0d8f8f;
  --teal-dark: #0a6f6f;
  --bg: #f7f9fb;
  --card: #ffffff;
  --ink: #1c2b36;
  --muted: #5a6b78;
  --line: #e3e9ee;
  --good: #1a7f4b;
  --warn: #b25e00;
  --bad: #b3261e;
  --radius: 12px;
  --shadow: 0 1px 3px rgba(15,42,67,.08), 0 6px 20px rgba(15,42,67,.06);
  --maxw: 1080px;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font: 16px/1.65 -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
a { color: var(--teal-dark); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3 { color: var(--navy); line-height: 1.25; }
h1 { font-size: clamp(1.7rem, 4vw, 2.4rem); margin: .2em 0 .3em; }
h2 { font-size: 1.45rem; margin-top: 1.8em; }
h3 { font-size: 1.15rem; }
p { margin: .8em 0; }
small, .muted { color: var(--muted); }

/* header */
.site-header { background: var(--navy); color: #fff; position: sticky; top: 0; z-index: 30; }
.site-header .wrap { display: flex; align-items: center; gap: 18px; min-height: 60px; }
.logo { display: flex; align-items: center; gap: 9px; font-weight: 800; color: #fff; font-size: 1.18rem; letter-spacing: -.02em; }
.logo:hover { text-decoration: none; }
.logo .mark { width: 26px; height: 26px; }
.nav { margin-left: auto; display: flex; gap: 20px; flex-wrap: wrap; }
.nav a { color: #cfe3e3; font-weight: 600; font-size: .95rem; }
.nav a:hover { color: #fff; text-decoration: none; }

/* hero */
.hero { background: linear-gradient(160deg, var(--navy), #12466b); color: #fff; padding: 44px 0 36px; }
.hero h1 { color: #fff; max-width: 18ch; }
.hero p.lede { font-size: 1.15rem; color: #d7e6f2; max-width: 60ch; }

/* cards & layout */
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px; }
.grid { display: grid; gap: 16px; }
.grid.cols-2 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid.cols-3 { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.section { padding: 36px 0; }
main { min-height: 50vh; }

/* buttons */
.btn { display: inline-block; background: var(--teal); color: #fff; font-weight: 700; padding: 11px 18px; border-radius: 9px; border: 0; cursor: pointer; font-size: 1rem; }
.btn:hover { background: var(--teal-dark); text-decoration: none; }
.btn.secondary { background: #fff; color: var(--teal-dark); border: 1.5px solid var(--teal); }

/* tool */
.tool { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; }
.tool .tabs { display: flex; border-bottom: 1px solid var(--line); }
.tool .tabs button { flex: 1; background: #eef3f6; border: 0; padding: 13px; font-weight: 700; color: var(--muted); cursor: pointer; font-size: .98rem; }
.tool .tabs button.active { background: #fff; color: var(--navy); box-shadow: inset 0 -3px 0 var(--teal); }
.tool .panel { padding: 22px; }
.field { margin: 12px 0; }
.field label { display: block; font-weight: 600; margin-bottom: 5px; font-size: .92rem; color: var(--navy); }
.field input, .field select {
  width: 100%; padding: 11px 12px; border: 1px solid #c7d2da; border-radius: 9px; font-size: 1rem; background: #fff; color: var(--ink);
}
.field input:focus, .field select:focus { outline: 2px solid var(--teal); border-color: var(--teal); }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 520px){ .row { grid-template-columns: 1fr; } }

/* result */
.result { margin-top: 16px; padding: 16px; border-radius: 10px; background: #f0f7f7; border: 1px solid #cfe7e7; }
.result.hidden { display: none; }
.bignum { font-size: 2rem; font-weight: 800; color: var(--navy); }
.pill { display: inline-block; padding: 3px 10px; border-radius: 999px; font-weight: 700; font-size: .85rem; }
.pill.good { background: #e3f4ea; color: var(--good); }
.pill.warn { background: #fdf0e0; color: var(--warn); }
.pill.bad { background: #fbe6e5; color: var(--bad); }

/* tables */
table { width: 100%; border-collapse: collapse; margin: 1em 0; font-size: .96rem; }
th, td { text-align: left; padding: 9px 11px; border-bottom: 1px solid var(--line); }
th { background: #f0f4f7; color: var(--navy); font-size: .85rem; text-transform: uppercase; letter-spacing: .03em; }
tr:hover td { background: #fafcfd; }
.rate-table td.num, .rate-table th.num { text-align: right; font-variant-numeric: tabular-nums; }

/* article */
.article { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 28px clamp(20px,5vw,44px); }
.article p, .article li { font-size: 1.04rem; }
.article .dek { font-size: 1.15rem; color: var(--muted); margin-top: 0; }
.breadcrumbs { font-size: .85rem; color: var(--muted); padding: 14px 0; }
.breadcrumbs a { color: var(--muted); }

/* lists of links */
.linklist { columns: 2; column-gap: 28px; padding: 0; list-style: none; }
.linklist li { margin: 6px 0; break-inside: avoid; }
@media (max-width: 560px){ .linklist { columns: 1; } }

/* affiliate / callout */
.callout { border-left: 4px solid var(--teal); background: #f0f7f7; padding: 14px 18px; border-radius: 0 10px 10px 0; margin: 22px 0; }
.disclaimer { font-size: .85rem; color: var(--muted); background: #fbf6ee; border: 1px solid #f0e4cf; border-radius: 10px; padding: 12px 16px; margin: 18px 0; }
.faq dt { font-weight: 700; color: var(--navy); margin-top: 14px; }
.faq dd { margin: 4px 0 0; color: var(--ink); }

/* footer */
.site-footer { background: var(--navy); color: #b8cad6; margin-top: 50px; padding: 34px 0; font-size: .92rem; }
.site-footer a { color: #d7e6f2; }
.site-footer .cols { display: grid; grid-template-columns: repeat(auto-fit,minmax(160px,1fr)); gap: 20px; }
.site-footer h4 { color: #fff; margin: 0 0 8px; font-size: .95rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin: 5px 0; }
.fineprint { border-top: 1px solid #20445f; margin-top: 22px; padding-top: 16px; font-size: .82rem; color: #8aa3b3; }