/* ==========================================================================
   latestipotoday — calculators
   Palette is semantic: teal is always "money you keep / your principal",
   amber is always "money the lender keeps / interest".
   ========================================================================== */

:root{
  --ink:#0E2036;
  --ink-2:#1B3552;
  --ink-3:#33506F;
  --muted:#5A6B7F;
  --paper:#F3F6F9;
  --surface:#FFFFFF;
  --rule:#D9E1EA;
  --rule-soft:#EAEFF5;

  --teal:#0E7C6B;
  --teal-deep:#0A5D50;
  --teal-soft:#E2F2EF;
  --amber:#B0740F;
  --amber-soft:#FAEFD9;
  --rose:#A33A2F;

  --font-display:'Bricolage Grotesque','Instrument Sans',system-ui,sans-serif;
  --font-body:'Instrument Sans',system-ui,-apple-system,'Segoe UI',sans-serif;
  --font-mono:'IBM Plex Mono',ui-monospace,'SFMono-Regular',Menlo,monospace;

  --shell:1180px;
  --radius:14px;
  --radius-sm:9px;
  --shadow:0 1px 2px rgba(14,32,54,.06),0 12px 30px -18px rgba(14,32,54,.35);
  --shadow-lift:0 2px 4px rgba(14,32,54,.07),0 26px 50px -28px rgba(14,32,54,.45);
  --ease:cubic-bezier(.2,.7,.3,1);
}

*,*::before,*::after{box-sizing:border-box}

html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}

body{
  margin:0;
  font-family:var(--font-body);
  font-size:17px;
  line-height:1.62;
  color:var(--ink-2);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
  font-variant-numeric:tabular-nums;
}

img{max-width:100%;display:block}

h1,h2,h3,h4{
  font-family:var(--font-display);
  color:var(--ink);
  line-height:1.12;
  letter-spacing:-.02em;
  margin:0;
  font-weight:800;
}

a{color:var(--teal-deep);text-underline-offset:3px}

:focus-visible{
  outline:3px solid var(--teal);
  outline-offset:2px;
  border-radius:4px;
}

.shell{
  width:100%;
  max-width:var(--shell);
  margin-inline:auto;
  padding-inline:20px;
}
.shell--narrow{max-width:780px}

.skip{
  position:absolute;left:-9999px;top:0;z-index:100;
  background:var(--ink);color:#fff;padding:12px 18px;border-radius:0 0 8px 0;
  font-weight:600;text-decoration:none;
}
.skip:focus{left:0}

.eyebrow{
  font-family:var(--font-mono);
  font-size:11.5px;
  font-weight:600;
  letter-spacing:.16em;
  text-transform:uppercase;
  color:var(--teal-deep);
  margin:0 0 14px;
}

/* ============================== Masthead ============================== */

.masthead{
  background:var(--ink);
  color:#fff;
  position:sticky;
  top:0;
  z-index:40;
  border-bottom:1px solid rgba(255,255,255,.08);
}

.masthead__inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  min-height:64px;
  flex-wrap:wrap;
}

.brand{
  display:flex;
  align-items:center;
  gap:11px;
  text-decoration:none;
  color:#fff;
  padding:12px 0;
}

.brand__mark{
  display:flex;
  align-items:flex-end;
  gap:3px;
  height:22px;
}
.brand__mark i{
  display:block;
  width:5px;
  background:#3FB3A0;
  border-radius:1.5px;
}
.brand__mark i:nth-child(1){height:11px;background:#7E97B4}
.brand__mark i:nth-child(2){height:22px}
.brand__mark i:nth-child(3){height:16px;background:#D9A445}

.brand__text{display:flex;flex-direction:column;line-height:1.05}
.brand__text strong{
  font-family:var(--font-display);
  font-weight:800;
  font-size:19px;
  letter-spacing:-.03em;
}
.brand__text strong em{font-style:normal;color:#3FB3A0}
.brand__text small{
  font-family:var(--font-mono);
  font-size:9.5px;
  letter-spacing:.22em;
  text-transform:uppercase;
  color:#8AA0BA;
  margin-top:3px;
}

.navtoggle{
  display:inline-flex;
  align-items:center;
  gap:9px;
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.16);
  color:#fff;
  font-family:var(--font-body);
  font-size:14px;
  font-weight:600;
  padding:9px 14px;
  border-radius:8px;
  cursor:pointer;
}
.navtoggle__bars{
  position:relative;
  width:16px;height:2px;
  background:currentColor;border-radius:2px;
  transition:background .18s var(--ease);
}
.navtoggle__bars::before,
.navtoggle__bars::after{
  content:'';position:absolute;left:0;
  width:16px;height:2px;background:currentColor;border-radius:2px;
  transition:transform .22s var(--ease);
}
.navtoggle__bars::before{top:-5px}
.navtoggle__bars::after{top:5px}
.navtoggle[aria-expanded="true"] .navtoggle__bars{background:transparent}
.navtoggle[aria-expanded="true"] .navtoggle__bars::before{transform:translateY(5px) rotate(45deg)}
.navtoggle[aria-expanded="true"] .navtoggle__bars::after{transform:translateY(-5px) rotate(-45deg)}

.nav{display:none;width:100%;padding-bottom:12px}
.nav.is-open{display:block}
.nav ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:2px}

.nav__link{
  display:block;
  padding:11px 13px;
  border-radius:8px;
  color:#C7D6E6;
  text-decoration:none;
  font-weight:500;
  font-size:15px;
  transition:background .16s var(--ease),color .16s var(--ease);
}
.nav__link:hover{background:rgba(255,255,255,.07);color:#fff}
.nav__link.is-current{color:#fff;background:rgba(63,179,160,.16);box-shadow:inset 2px 0 0 #3FB3A0}

@media (min-width:900px){
  .navtoggle{display:none}
  .nav{display:block;width:auto;padding-bottom:0}
  .nav ul{flex-direction:row;gap:4px}
  .nav__link{padding:8px 14px;font-size:14.5px}
  .nav__link.is-current{box-shadow:inset 0 -2px 0 #3FB3A0}
}

/* ============================== Page intro ============================== */

.intro{
  background:
    linear-gradient(180deg,#0E2036 0%,#132B47 100%);
  color:#DCE7F2;
  padding:30px 0 88px;
  position:relative;
  overflow:hidden;
}
.intro::after{
  content:'';
  position:absolute;inset:auto 0 0 0;height:1px;
  background:rgba(255,255,255,.08);
}
.intro__grid{
  position:absolute;inset:0;
  background-image:
    repeating-linear-gradient(90deg,rgba(255,255,255,.045) 0 1px,transparent 1px 64px),
    repeating-linear-gradient(0deg,rgba(255,255,255,.035) 0 1px,transparent 1px 64px);
  mask-image:linear-gradient(180deg,rgba(0,0,0,.85),transparent 78%);
  -webkit-mask-image:linear-gradient(180deg,rgba(0,0,0,.85),transparent 78%);
  pointer-events:none;
}
.intro .shell{position:relative;z-index:1}
.intro .eyebrow{color:#5FC7B3}

.intro h1{
  color:#fff;
  font-size:clamp(30px,6.4vw,50px);
  max-width:16ch;
  margin-bottom:16px;
}
.intro__lede{
  font-size:clamp(16px,2.4vw,19px);
  color:#B4C7DC;
  max-width:56ch;
  margin:0;
}
.intro__meta{
  display:flex;flex-wrap:wrap;gap:8px;
  margin:20px 0 0;padding:0;list-style:none;
}
@media (min-width:760px){.intro{padding:44px 0 96px}}
.intro__meta li{
  font-family:var(--font-mono);
  font-size:11.5px;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:#9DB4CD;
  border:1px solid rgba(255,255,255,.16);
  border-radius:999px;
  padding:5px 12px;
}

/* ============================== Calculator ============================== */

.calc{margin-top:-62px;position:relative;z-index:2;padding-bottom:56px}

.calc__grid{
  display:grid;
  gap:18px;
  grid-template-columns:1fr;
  align-items:start;
}
@media (min-width:960px){
  .calc__grid{grid-template-columns:minmax(0,1fr) 400px;gap:22px}
  .result{position:sticky;top:82px}
}

.panel{
  background:var(--surface);
  border:1px solid var(--rule);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}

.panel__head{
  padding:20px 22px 0;
}
.panel__head h2{font-size:20px}
.panel__head p{
  margin:7px 0 0;
  font-size:14.5px;
  color:var(--muted);
}

.panel__body{padding:20px 22px 24px}

/* --- Mode switch (ROI page) --- */
.modes{
  display:flex;
  gap:4px;
  padding:4px;
  margin:16px 22px 0;
  background:var(--paper);
  border:1px solid var(--rule-soft);
  border-radius:11px;
  overflow-x:auto;
  scrollbar-width:none;
}
.modes::-webkit-scrollbar{display:none}
.modes button{
  flex:1 0 auto;
  white-space:nowrap;
  border:0;
  background:transparent;
  font-family:var(--font-body);
  font-size:14px;
  font-weight:600;
  color:var(--muted);
  padding:9px 15px;
  border-radius:8px;
  cursor:pointer;
  transition:background .18s var(--ease),color .18s var(--ease),box-shadow .18s var(--ease);
}
.modes button:hover{color:var(--ink)}
.modes button[aria-selected="true"]{
  background:var(--surface);
  color:var(--ink);
  box-shadow:0 1px 2px rgba(14,32,54,.12);
}

/* --- Fields --- */
.fields{display:grid;gap:22px}

.field__top{
  display:flex;
  flex-wrap:wrap;
  align-items:baseline;
  justify-content:space-between;
  gap:8px 14px;
  margin-bottom:9px;
}
.field__top > div:first-child{flex:1 1 170px;min-width:0}
.field__label{
  font-size:14.5px;
  font-weight:600;
  color:var(--ink);
}
.field__hint{
  font-size:12.5px;
  color:var(--muted);
  font-weight:400;
  display:block;
  margin-top:2px;
}

.field__entry{
  display:inline-flex;
  align-items:center;
  background:var(--paper);
  border:1.5px solid var(--rule);
  border-radius:var(--radius-sm);
  overflow:hidden;
  transition:border-color .16s var(--ease),background .16s var(--ease);
}
.field__entry:focus-within{border-color:var(--teal);background:var(--surface)}
.field__affix{
  font-family:var(--font-mono);
  font-size:13px;
  font-weight:500;
  color:var(--muted);
  padding:0 2px 0 11px;
}
.field__affix--end{padding:0 11px 0 2px}
.field__entry input{
  font-family:var(--font-mono);
  font-size:16px;
  font-weight:600;
  color:var(--ink);
  border:0;
  background:transparent;
  padding:9px 6px;
  width:118px;
  text-align:right;
  -moz-appearance:textfield;
  appearance:textfield;
}
.field__entry input::-webkit-outer-spin-button,
.field__entry input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.field__entry input:focus{outline:none}

.field__scale{
  display:flex;
  justify-content:space-between;
  font-family:var(--font-mono);
  font-size:11px;
  color:#6B7C8F;
  margin-top:7px;
}

.field__words{
  font-size:12.5px;
  color:var(--teal-deep);
  font-weight:500;
  margin-top:6px;
  min-height:1em;
}

/* Range input */
input[type=range]{
  -webkit-appearance:none;
  appearance:none;
  width:100%;
  height:22px;
  background:transparent;
  margin:0;
  cursor:pointer;
  display:block;
}
input[type=range]::-webkit-slider-runnable-track{
  height:6px;
  border-radius:99px;
  background:linear-gradient(90deg,var(--teal) var(--fill,40%),var(--rule-soft) var(--fill,40%));
  border:1px solid var(--rule);
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;
  width:22px;height:22px;
  margin-top:-9px;
  border-radius:50%;
  background:var(--surface);
  border:2.5px solid var(--teal);
  box-shadow:0 2px 6px rgba(14,32,54,.22);
  transition:transform .14s var(--ease);
}
input[type=range]:active::-webkit-slider-thumb{transform:scale(1.12)}
input[type=range]::-moz-range-track{
  height:6px;border-radius:99px;background:var(--rule-soft);border:1px solid var(--rule);
}
input[type=range]::-moz-range-progress{height:6px;border-radius:99px;background:var(--teal)}
input[type=range]::-moz-range-thumb{
  width:18px;height:18px;border-radius:50%;
  background:var(--surface);border:2.5px solid var(--teal);
  box-shadow:0 2px 6px rgba(14,32,54,.22);
}

/* ============================== Result rail ============================== */

.result{
  background:var(--surface);
  border:1px solid var(--rule);
  border-radius:var(--radius);
  box-shadow:var(--shadow-lift);
  overflow:hidden;
}

.result__crown{
  background:linear-gradient(165deg,#123055,#0E2036);
  color:#fff;
  padding:22px 22px 24px;
}
.result__caption{
  font-family:var(--font-mono);
  font-size:11px;
  letter-spacing:.15em;
  text-transform:uppercase;
  color:#8FA9C4;
  margin:0 0 8px;
}
.result__figure{
  font-family:var(--font-display);
  font-weight:800;
  font-size:clamp(34px,7.6vw,46px);
  letter-spacing:-.035em;
  line-height:1;
  color:#fff;
  display:block;
  transition:opacity .16s var(--ease);
}
.result__figure.is-updating{opacity:.45}
.result__sub{
  margin:9px 0 0;
  font-size:13.5px;
  color:#A9C0D8;
}

/* --- The signature: cost-of-money split bar --- */
.split{padding:20px 22px 4px}
.split__title{
  display:flex;justify-content:space-between;align-items:baseline;
  font-size:13px;color:var(--muted);margin-bottom:10px;
}
.split__title strong{
  font-family:var(--font-mono);font-size:12px;font-weight:600;
  color:var(--ink);letter-spacing:.02em;
}
.split__bar{
  display:flex;
  height:38px;
  border-radius:8px;
  overflow:hidden;
  background:var(--rule-soft);
  border:1px solid var(--rule);
}
.split__seg{
  display:flex;
  align-items:center;
  justify-content:center;
  font-family:var(--font-mono);
  font-size:12px;
  font-weight:600;
  color:#fff;
  min-width:0;
  overflow:hidden;
  white-space:nowrap;
  transition:width .42s var(--ease);
}
/* Loan pages: teal = your principal, amber = the lender's interest. */
.split--loan .split__seg--a{background:linear-gradient(180deg,#12907C,var(--teal))}
.split--loan .split__seg--b{background:linear-gradient(180deg,#C6841B,var(--amber))}
.split--loan .lg--a{border-top-color:var(--teal)}
.split--loan .lg--b{border-top-color:var(--amber)}

/* ROI page: slate = capital you contributed, teal = growth on top of it. */
.split--roi .split__seg--a{background:linear-gradient(180deg,#43607F,#2E4A66)}
.split--roi .split__seg--b{background:linear-gradient(180deg,#12907C,var(--teal))}
.split--roi .lg--a{border-top-color:#2E4A66}
.split--roi .lg--b{border-top-color:var(--teal)}

.split__legend{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:10px;
  margin-top:14px;
}
.split__legend > div{
  border-top:2px solid var(--rule);
  padding-top:8px;
}
.split__legend dt{
  font-size:12px;color:var(--muted);margin:0 0 3px;
}
.split__legend dd{
  margin:0;
  font-family:var(--font-mono);
  font-size:15px;
  font-weight:600;
  color:var(--ink);
}

.split__verdict{
  margin:16px 0 0;
  padding:12px 14px;
  background:var(--amber-soft);
  border-left:3px solid var(--amber);
  border-radius:0 8px 8px 0;
  font-size:13.5px;
  line-height:1.5;
  color:#6B4708;
}
.split__verdict strong{font-weight:600;color:#4E3305}

/* --- Stat rows --- */
.stats{
  list-style:none;
  margin:0;
  padding:18px 22px 22px;
  border-top:1px solid var(--rule-soft);
}
.stats li{
  display:flex;
  align-items:baseline;
  justify-content:space-between;
  gap:14px;
  padding:9px 0;
  border-bottom:1px dashed var(--rule);
}
.stats li:last-child{border-bottom:0;padding-bottom:0}
.stats span{font-size:14px;color:var(--muted)}
.stats b{
  font-family:var(--font-mono);
  font-size:15px;
  font-weight:600;
  color:var(--ink);
  white-space:nowrap;
}
.stats li.is-total b{color:var(--teal-deep);font-size:16.5px}

.result__actions{
  padding:0 22px 22px;
  display:flex;
  gap:9px;
}
.btn{
  flex:1;
  font-family:var(--font-body);
  font-size:14px;
  font-weight:600;
  padding:11px 14px;
  border-radius:9px;
  border:1.5px solid var(--rule);
  background:var(--surface);
  color:var(--ink);
  cursor:pointer;
  text-align:center;
  transition:border-color .16s var(--ease),background .16s var(--ease);
}
.btn:hover{border-color:var(--ink-3);background:var(--paper)}
.btn--primary{background:var(--teal);border-color:var(--teal);color:#fff}
.btn--primary:hover{background:var(--teal-deep);border-color:var(--teal-deep)}

/* ============================== Ledger table ============================== */

.ledger{padding:44px 0 12px}
.ledger__head{
  display:flex;
  flex-wrap:wrap;
  align-items:flex-end;
  justify-content:space-between;
  gap:14px;
  margin-bottom:18px;
}
.ledger__head h2{font-size:clamp(22px,3.6vw,29px)}
.ledger__head p{margin:8px 0 0;color:var(--muted);font-size:15px;max-width:52ch}

.tablewrap{
  overflow-x:auto;
  -webkit-overflow-scrolling:touch;
  background:var(--surface);
  border:1px solid var(--rule);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
}

table.ledger__table{
  width:100%;
  min-width:640px;
  border-collapse:collapse;
  font-family:var(--font-mono);
  font-size:13.5px;
}
table.ledger__table caption{
  caption-side:top;
  text-align:left;
  padding:16px 18px 10px;
  font-family:var(--font-body);
  font-size:13px;
  color:var(--muted);
}
table.ledger__table th{
  text-align:right;
  font-weight:600;
  font-size:11px;
  letter-spacing:.09em;
  text-transform:uppercase;
  color:var(--muted);
  padding:10px 16px;
  border-bottom:1.5px solid var(--ink);
  background:var(--paper);
  white-space:nowrap;
  position:sticky;
  top:0;
}
table.ledger__table th:first-child{text-align:left}
table.ledger__table td{
  text-align:right;
  padding:10px 16px;
  border-bottom:1px solid var(--rule-soft);
  color:var(--ink-2);
  white-space:nowrap;
}
table.ledger__table td:first-child{text-align:left;font-weight:600;color:var(--ink)}
table.ledger__table td.c-principal{color:var(--teal-deep)}
table.ledger__table td.c-interest{color:var(--amber)}
table.ledger__table tbody tr:hover td{background:#F7FAFC}
table.ledger__table tbody tr:last-child td{border-bottom:0}

td.bal{position:relative}
td.bal i{
  position:absolute;
  left:16px;right:16px;bottom:5px;
  height:3px;border-radius:2px;
  background:var(--rule-soft);
  overflow:hidden;
}
td.bal i::after{
  content:'';position:absolute;inset:0 auto 0 0;
  width:var(--w,0%);
  background:var(--ink-3);
  border-radius:2px;
}

/* ============================== Article ============================== */

.article{padding:56px 0 8px}

.article__body{
  font-size:17.5px;
  line-height:1.72;
  color:#31445B;
}
.article__body h2{
  font-size:clamp(23px,3.8vw,31px);
  margin:44px 0 14px;
  padding-top:26px;
  border-top:1px solid var(--rule);
}
.article__body > h2:first-of-type{border-top:0;padding-top:0;margin-top:26px}
.article__body h3{
  font-size:19px;
  font-weight:600;
  margin:30px 0 8px;
  color:var(--ink);
  letter-spacing:-.01em;
}
.article__body p{margin:0 0 18px}
.article__body ul,
.article__body ol{margin:0 0 20px;padding-left:22px}
.article__body li{margin-bottom:9px}
.article__body strong{color:var(--ink);font-weight:600}
.article__body code{
  font-family:var(--font-mono);
  font-size:.88em;
  background:var(--paper);
  border:1px solid var(--rule-soft);
  border-radius:5px;
  padding:1px 6px;
  color:var(--ink-2);
  word-break:break-word;
}

.article__lede{
  font-size:20px;
  line-height:1.6;
  color:var(--ink-2);
  font-weight:500;
  border-left:3px solid var(--teal);
  padding-left:20px;
  margin:0 0 30px;
}

.callout{
  background:var(--surface);
  border:1px solid var(--rule);
  border-left:4px solid var(--teal);
  border-radius:0 var(--radius-sm) var(--radius-sm) 0;
  padding:20px 22px;
  margin:28px 0;
  box-shadow:var(--shadow);
}
.callout h3{margin:0 0 8px;font-size:16.5px}
.callout p:last-child{margin-bottom:0}
.callout--warn{border-left-color:var(--amber);background:#FFFDF8}

.keyfig{
  font-family:var(--font-mono);
  font-size:.94em;
  font-weight:600;
  color:var(--teal-deep);
  background:var(--teal-soft);
  padding:1px 6px;
  border-radius:5px;
  white-space:nowrap;
}

/* ============================== FAQ ============================== */

.faq{padding:52px 0 60px}
.faq__heading{font-size:clamp(24px,4vw,33px);margin-bottom:24px}

.faq__list{
  background:var(--surface);
  border:1px solid var(--rule);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  overflow:hidden;
}

.faq__item{border-bottom:1px solid var(--rule-soft)}
.faq__item:last-child{border-bottom:0}

.faq__q{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:18px;
  padding:18px 22px;
  cursor:pointer;
  list-style:none;
  font-family:var(--font-display);
  font-weight:600;
  font-size:17px;
  color:var(--ink);
  letter-spacing:-.01em;
  line-height:1.35;
  transition:background .16s var(--ease);
}
.faq__q::-webkit-details-marker{display:none}
.faq__q:hover{background:var(--paper)}

.faq__marker{
  position:relative;
  flex:0 0 20px;
  width:20px;height:20px;
  margin-top:2px;
  border-radius:50%;
  border:1.5px solid var(--rule);
  transition:border-color .2s var(--ease),background .2s var(--ease);
}
.faq__marker::before,
.faq__marker::after{
  content:'';position:absolute;top:50%;left:50%;
  width:9px;height:1.6px;background:var(--ink-3);border-radius:2px;
  transform:translate(-50%,-50%);
  transition:transform .24s var(--ease),background .2s var(--ease);
}
.faq__marker::after{transform:translate(-50%,-50%) rotate(90deg)}
.faq__item[open] .faq__marker{border-color:var(--teal);background:var(--teal)}
.faq__item[open] .faq__marker::before,
.faq__item[open] .faq__marker::after{background:#fff}
.faq__item[open] .faq__marker::after{transform:translate(-50%,-50%) rotate(0deg)}

.faq__a{
  padding:0 22px 20px;
  font-size:16px;
  line-height:1.68;
  color:#40546D;
  max-width:70ch;
}
.faq__a p{margin:0 0 14px}
.faq__a p:last-child{margin-bottom:0}
.faq__a ul{margin:0 0 14px;padding-left:20px}
.faq__a li{margin-bottom:7px}

/* ============================== Related + Home ============================== */

.related{padding:0 0 62px}
.related__heading{font-size:clamp(21px,3.4vw,27px);margin-bottom:18px}
.related__grid{
  display:grid;
  gap:16px;
  grid-template-columns:1fr;
}
@media (min-width:760px){.related__grid{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1040px){.related__grid.related__grid--three{grid-template-columns:repeat(3,1fr)}}

.related__card{
  display:flex;
  flex-direction:column;
  gap:8px;
  padding:24px;
  background:var(--surface);
  border:1px solid var(--rule);
  border-radius:var(--radius);
  text-decoration:none;
  box-shadow:var(--shadow);
  transition:transform .2s var(--ease),box-shadow .2s var(--ease),border-color .2s var(--ease);
}
.related__card:hover{
  transform:translateY(-3px);
  box-shadow:var(--shadow-lift);
  border-color:#BFD0E0;
}
.related__card h3{font-size:19px;margin:0}
.related__card p{margin:0;font-size:15px;color:var(--muted);line-height:1.55;flex:1}
.related__go{
  font-family:var(--font-mono);
  font-size:12px;
  font-weight:600;
  letter-spacing:.05em;
  text-transform:uppercase;
  color:var(--teal-deep);
  margin-top:4px;
}
.related__go::after{content:' →'}

.homecard__tag{
  font-family:var(--font-mono);
  font-size:10.5px;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--muted);
  border:1px solid var(--rule);
  border-radius:999px;
  padding:3px 9px;
  align-self:flex-start;
}

.home-block{padding:56px 0}
.home-block h2{font-size:clamp(23px,4vw,32px);margin-bottom:12px}
.home-block > .shell > p{color:var(--muted);max-width:60ch;margin:0 0 26px}

.howto{
  display:grid;
  gap:14px;
  grid-template-columns:1fr;
  counter-reset:step;
  list-style:none;
  margin:0;padding:0;
}
@media (min-width:820px){.howto{grid-template-columns:repeat(3,1fr)}}
.howto li{
  background:var(--surface);
  border:1px solid var(--rule);
  border-radius:var(--radius);
  padding:22px;
  position:relative;
}
.howto li::before{
  counter-increment:step;
  content:counter(step,decimal-leading-zero);
  font-family:var(--font-mono);
  font-size:12px;
  font-weight:600;
  color:var(--teal);
  letter-spacing:.08em;
  display:block;
  margin-bottom:10px;
}
.howto h3{font-size:17px;margin:0 0 6px}
.howto p{margin:0;font-size:14.5px;color:var(--muted);line-height:1.55}

/* ============================== Footer ============================== */

.footer{
  background:var(--ink);
  color:#A9BFD6;
  padding:52px 0 0;
  font-size:15px;
}
.footer__inner{
  display:grid;
  gap:32px;
  grid-template-columns:1fr;
  padding-bottom:36px;
}
@media (min-width:700px) and (max-width:879px){
  .footer__inner{grid-template-columns:1fr 1fr;gap:32px 40px}
  .footer__note{grid-column:1 / -1}
}
@media (min-width:880px){
  .footer__inner{grid-template-columns:1fr .62fr .62fr 1.35fr;gap:40px}
}
.footer__by{margin:12px 0 0 !important;font-size:13.5px !important;color:#7F97B1 !important}
.footer__by a{color:#C7D6E6;text-decoration:none;border-bottom:1px solid rgba(199,214,230,.3)}
.footer__by a:hover{color:#3FB3A0;border-bottom-color:#3FB3A0}
.footer__brand strong{
  font-family:var(--font-display);
  font-size:20px;
  font-weight:800;
  color:#fff;
  letter-spacing:-.03em;
  display:block;
  margin-bottom:10px;
}
.footer__brand strong em{font-style:normal;color:#3FB3A0}
.footer__brand p{margin:0;line-height:1.6;color:#8FA7C0;font-size:14.5px}

.footer h2{
  font-family:var(--font-mono);
  font-size:11px;
  font-weight:600;
  letter-spacing:.16em;
  text-transform:uppercase;
  color:#6F89A6;
  margin:0 0 14px;
}
.footer__nav ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.footer__nav a{color:#C7D6E6;text-decoration:none;font-size:15px}
.footer__nav a:hover{color:#3FB3A0;text-decoration:underline}

.footer__note p{
  margin:0;
  font-size:13px;
  line-height:1.65;
  color:#7F97B1;
}

.footer__base{
  border-top:1px solid rgba(255,255,255,.09);
  padding-block:18px 26px;
  display:flex;
  flex-wrap:wrap;
  justify-content:space-between;
  gap:10px;
}
.footer__base p{margin:0;font-size:13px;color:#6F89A6}
.footer__calc{font-family:var(--font-mono);font-size:11.5px !important;letter-spacing:.04em}

.footer__legal{
  list-style:none;
  margin:0;
  padding:0;
  display:flex;
  flex-wrap:wrap;
  gap:6px 18px;
  font-size:13px;
}
.footer__legal a{color:#8FA7C0;text-decoration:none}
.footer__legal a:hover{color:#3FB3A0;text-decoration:underline}

/* ============================== Notices ============================== */

.notice{
  border-radius:var(--radius-sm);
  padding:20px 22px;
  margin:0 0 30px;
  border:1px solid var(--rule);
  border-left:4px solid var(--teal);
  background:var(--surface);
  box-shadow:var(--shadow);
}
.notice h2{
  font-size:18px;
  margin:0 0 6px;
  padding:0;
  border:0;
  letter-spacing:-.015em;
}
.notice p{margin:0;color:var(--ink-3);line-height:1.6;font-size:15.5px}
.notice ul{margin:0;padding-left:20px;color:var(--ink-3);font-size:15.5px;line-height:1.6}
.notice li{margin-bottom:5px}
.notice li:last-child{margin-bottom:0}
.notice--ok{border-left-color:var(--teal);background:var(--teal-soft)}
.notice--ok h2{color:var(--teal-deep)}
.notice--bad{border-left-color:var(--rose);background:#FDF3F1}
.notice--bad h2{color:var(--rose)}

/* ============================== Contact form ============================== */

.cform{
  background:var(--surface);
  border:1px solid var(--rule);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  padding:26px;
  margin:0 0 12px;
}
@media (min-width:600px){.cform{padding:32px}}

.cform__trap{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

.cform__row{display:grid;gap:18px;grid-template-columns:1fr}
@media (min-width:600px){.cform__row{grid-template-columns:1fr 1fr;gap:20px}}

.cform__field{margin-bottom:18px;display:flex;flex-direction:column}
.cform__row .cform__field{margin-bottom:0}
.cform__row + .cform__field{margin-top:18px}

.cform__field label{
  font-size:14.5px;
  font-weight:600;
  color:var(--ink);
  margin-bottom:7px;
  letter-spacing:-.005em;
}

.cform input[type=text],
.cform input[type=email],
.cform select,
.cform textarea{
  width:100%;
  font-family:var(--font-body);
  font-size:16px;
  color:var(--ink);
  background:var(--paper);
  border:1px solid var(--rule);
  border-radius:var(--radius-sm);
  padding:12px 14px;
  transition:border-color .16s var(--ease), box-shadow .16s var(--ease), background .16s var(--ease);
}
.cform textarea{resize:vertical;min-height:150px;line-height:1.6}
.cform select{appearance:none;-webkit-appearance:none;cursor:pointer;padding-right:40px;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%235A6B7F' stroke-width='1.6' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 15px center;background-size:12px}
.cform input:focus,
.cform select:focus,
.cform textarea:focus{
  outline:0;
  background:var(--surface);
  border-color:var(--teal);
  box-shadow:0 0 0 3px var(--teal-soft);
}
.cform__hint{font-size:13px;color:var(--muted);margin-top:6px;line-height:1.5}

.cform__consent{
  display:flex;
  align-items:flex-start;
  gap:11px;
  font-size:14.5px;
  line-height:1.55;
  color:var(--ink-3);
  background:var(--paper);
  border:1px solid var(--rule-soft);
  border-radius:var(--radius-sm);
  padding:14px 16px;
  margin:4px 0 22px;
  cursor:pointer;
}
.cform__consent input{
  flex:0 0 auto;
  width:17px;height:17px;
  margin-top:2px;
  accent-color:var(--teal);
  cursor:pointer;
}
.cform__consent a{color:var(--teal-deep);font-weight:500}

.cform__submit{display:block;flex:none;width:100%;font-size:15.5px;padding:14px 22px}
@media (min-width:600px){.cform__submit{display:inline-block;width:auto;min-width:200px}}

.cform__foot{margin:18px 0 0;font-size:13px;color:var(--muted);line-height:1.55}

/* ============================== Motion ============================== */

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{
    animation-duration:.001ms !important;
    transition-duration:.001ms !important;
  }
}

/* ============================== Utilities ============================== */

[hidden]{display:none !important}

.split--roi .split__verdict{
  background:var(--teal-soft);
  border-left-color:var(--teal);
  color:#0A4E44;
}
.split--roi .split__verdict strong{color:#073A33}

/* ============================== Print ============================== */

@media print{
  .masthead,.footer,.related,.faq,.article,.result__actions,.intro__grid,.skip{display:none !important}
  body{background:#fff;font-size:12pt}
  .intro{background:#fff;color:#000;padding:0 0 12pt}
  .intro h1{color:#000;font-size:22pt}
  .intro__lede,.intro__meta{display:none}
  .calc{margin-top:0;padding-bottom:0}
  .calc__grid{display:block}
  .panel,.result{box-shadow:none;border:1px solid #999;break-inside:avoid;margin-bottom:12pt}
  .result{position:static}
  .result__crown{background:#fff;color:#000;border-bottom:1px solid #999}
  .result__figure,.result__caption,.result__sub{color:#000}
  .tablewrap{box-shadow:none;border:1px solid #999}
  table.ledger__table{min-width:0;font-size:9.5pt}
}