:root{
  --ink:#0e1e3a; --ink-soft:#22345a; --muted:#51637c; --brand:#0b5cad; --brand-dark:#084a8a;
  --accent-soft:#e9f1fa; --bg:#f6f8fb; --card:#fff; --line:#d9e3ef; --line-strong:#c3d2e4;
  --ok:#0a7a42; --err:#8f1d1d; --navy-panel:#0d2a52;
  --shadow-sm:0 1px 2px rgba(14,30,58,.05),0 4px 14px rgba(14,30,58,.05);
  --shadow-md:0 2px 4px rgba(14,30,58,.06),0 14px 34px rgba(14,30,58,.09);
  --radius:14px;
}
*{box-sizing:border-box}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--brand)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}

/* Header */
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.nav{display:flex;align-items:center;justify-content:space-between;padding:12px 0;gap:10px;flex-wrap:wrap}
.logo{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-size:1.28rem;letter-spacing:-.02em;color:var(--ink);text-decoration:none;padding:6px 0}
.logo img{width:27px;height:27px;border-radius:7px;display:block}
.logo span{color:var(--brand)}
.nav nav{display:flex;gap:2px;flex-wrap:wrap}
.nav nav a{padding:10px 12px;border-radius:9px;color:var(--ink-soft);text-decoration:none;font-size:.95rem;font-weight:550}
.nav nav a:hover{background:var(--accent-soft);color:var(--brand-dark)}
.nav-toggle{display:none;width:44px;height:44px;border:1.5px solid var(--line-strong);background:#fff;border-radius:10px;cursor:pointer;place-items:center;padding:0}
.nav-toggle svg{width:22px;height:22px;stroke:var(--ink);fill:none;stroke-width:2;stroke-linecap:round}

/* Type scale */
main{padding-bottom:56px}
h1{font-size:2.05rem;line-height:1.18;letter-spacing:-.022em;font-weight:800;margin:.35em 0 .45em}
h2{font-size:1.42rem;line-height:1.25;letter-spacing:-.018em;font-weight:750;margin:38px 0 10px}
h3{letter-spacing:-.01em}
.eyebrow{font-size:.76rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--brand);margin:26px 0 0}
main>p,main>ul,main>ol{max-width:46rem}
.lede{color:var(--muted);font-size:1.06rem;max-width:44rem}

/* Hero + search */
.hero{padding:52px 0 6px}
.hero h1{font-size:2.75rem;margin:.18em 0 .3em}
.hero .sub{color:var(--muted);font-size:1.13rem;max-width:640px;margin:0}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin:20px 0 4px}
.chip{font-size:.85rem;font-weight:600;color:var(--ink-soft);background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 13px}
.quick{display:flex;gap:6px 14px;flex-wrap:wrap;margin:14px 0 0;font-size:.95rem}
.quick span{color:var(--muted)}
.tool-search{margin:26px 0 4px;max-width:620px}
.tool-search input{width:100%;padding:15px 18px;font-size:1.05rem;border:1.5px solid var(--line-strong);border-radius:12px;background:#fff;box-shadow:var(--shadow-sm)}
.tool-search input:focus{border-color:var(--brand);outline:none;box-shadow:0 0 0 4px rgba(11,92,173,.16)}
.search-empty{margin-top:10px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

/* Cards */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px;padding:16px 0 4px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-sm);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;display:flex;flex-direction:column}
.card:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);border-color:var(--line-strong)}
.card .ic{width:42px;height:42px;border-radius:11px;background:var(--accent-soft);display:grid;place-items:center;margin-bottom:13px}
.card .ic svg{width:22px;height:22px;stroke:var(--brand);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.card h3{margin:0 0 6px;font-size:1.07rem;font-weight:700}
.card p{color:var(--muted);font-size:.93rem;margin:0 0 14px;flex:1}
.card .open{font-weight:650;font-size:.95rem;text-decoration:none;display:inline-block;padding:12px 2px 10px;margin-top:auto}
.card .open:hover{text-decoration:underline}
.cat-note{color:var(--muted);margin:0;max-width:46rem}

/* Buttons */
.btn{display:inline-block;background:var(--brand);color:#fff;padding:13px 22px;border-radius:10px;text-decoration:none;font-weight:650;border:0;cursor:pointer;font-size:1rem;box-shadow:var(--shadow-sm);transition:background .15s ease}
.btn:hover{background:var(--brand-dark)}
.btn:active{transform:scale(.99)}

/* Calculators */
.calc{background:var(--card);border:1px solid var(--line);border-top:3px solid var(--brand);border-radius:16px;padding:28px;margin:22px 0;box-shadow:var(--shadow-md)}
label{display:block;font-weight:650;font-size:.92rem;color:var(--ink-soft);margin:14px 0 5px}
input,select{width:100%;padding:12px 14px;border:1.5px solid var(--line-strong);border-radius:10px;font-size:1rem;background:#fff;color:var(--ink);transition:border-color .15s ease,box-shadow .15s ease}
input:focus,select:focus{border-color:var(--brand);outline:none;box-shadow:0 0 0 4px rgba(11,92,173,.16)}
.calc .btn{margin-top:20px;width:100%;text-align:center}
.result{margin-top:22px;background:var(--navy-panel);color:#dce8f7;border:1px solid #123a6e;border-radius:12px;padding:20px 22px;display:none;font-size:1rem;line-height:1.75}
.result strong{display:block;color:#fff;font-size:1.85rem;line-height:1.25;letter-spacing:-.015em;font-weight:800;font-variant-numeric:tabular-nums;margin-bottom:4px}
.result.error{background:#fdf0f0;border-color:#eec5c5;color:#7a1f1f}
.result.error strong{color:#7a1f1f;font-size:1.05rem;letter-spacing:0}

/* Tables */
table{width:100%;border-collapse:collapse;margin:16px 0;background:#fff}
th,td{border-bottom:1px solid var(--line);padding:10px 12px;text-align:left;font-size:.94rem}
th{background:#eef3f9;color:var(--ink);font-weight:700;border-bottom:2px solid var(--line-strong)}
tbody tr:nth-child(even){background:#f8fafc}

/* Notes, disclaimers, related */
.note{color:var(--muted);font-size:.9rem}
.disclaimer{background:#fff8e6;border:1px solid #f0dfa8;border-radius:12px;padding:16px 18px;font-size:.92rem}
.related{margin-top:32px;padding-top:16px;border-top:1px solid var(--line)}
.related a{font-weight:600}

/* Trust band */
.trust{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin:26px 0 4px}
.trust .t{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;box-shadow:var(--shadow-sm)}
.trust h3{margin:0 0 5px;font-size:1rem}
.trust p{margin:0;color:var(--muted);font-size:.92rem}

/* Footer */
footer{background:#0c1c36;color:#a9bcd6;padding:38px 0 30px;font-size:.92rem;margin-top:8px}
.foot{display:flex;justify-content:space-between;gap:26px;flex-wrap:wrap;align-items:flex-start}
.foot .logo{color:#fff}
.foot .logo span{color:#7db3e8}
.foot p{margin:8px 0 0;max-width:320px;color:#a9bcd6}
.foot nav{display:flex;gap:4px 18px;flex-wrap:wrap}
.foot nav a{color:#dbe7f5;text-decoration:none;font-weight:550;padding:11px 0}
.foot nav a:hover{text-decoration:underline}
.foot-base{margin-top:24px;padding-top:16px;border-top:1px solid #1d3560;color:#8fa5c4}

:focus-visible{outline:3px solid #7db3e8;outline-offset:2px}

@media(max-width:640px){
  .hero{padding:36px 0 4px}
  .hero h1{font-size:2.05rem}
  h1{font-size:1.62rem}
  h2{font-size:1.28rem}
  .calc{padding:20px}
  .result strong{font-size:1.55rem}
  .nav{position:relative}
  .nav-toggle{display:grid}
  .nav nav{display:none;position:absolute;top:calc(100% + 6px);left:0;right:0;background:#fff;flex-direction:column;gap:2px;padding:10px;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow-md);z-index:30}
  .nav nav.open{display:flex}
  .nav nav a{padding:12px;border-radius:9px;font-size:1rem}
}
@media(prefers-reduced-motion:reduce){
  .card,.btn,input,select{transition:none}
  .card:hover{transform:none}
}
.table-scroll{overflow-x:auto;margin:16px 0}
.table-scroll table{margin:0}