:root{
  --bg:#f6f8fb;--card:#fff;--ink:#14213d;--muted:#52607a;--line:#dde3ec;--field:#6b778c;
  --brand:#0b5d4b;--brand-ink:#fff;--accent:#1f6feb;--link:#1757c2;--bar:#1f7a60;--area:#dbe9f8;--warn-bg:#fff7e6;--warn:#7a4b00;
  --radius:12px;--shadow:0 1px 2px rgba(20,33,61,.06),0 4px 16px rgba(20,33,61,.06);
  font-size:16px;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-padding-top:1rem}
body{margin:0;background:var(--bg);color:var(--ink);font:1rem/1.6 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
a{color:var(--link)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,.tablewrap:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.skip{position:absolute;left:-9999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.5rem 1rem;z-index:10}
.wrap{max-width:1080px;margin:0 auto;padding:0 1rem}
header.site{background:var(--brand);color:var(--brand-ink)}
header.site .wrap{display:flex;align-items:center;flex-wrap:wrap;gap:.25rem 1rem;padding:.6rem 1rem}
header.site .logo{display:flex;align-items:center;gap:.5rem;font-weight:700;color:#fff;text-decoration:none;letter-spacing:.2px;min-height:44px}
.sitenav{margin-left:auto;display:flex;flex-wrap:wrap;gap:0 1rem}
.sitenav a{color:#fff;text-decoration:none;font-size:.92rem;display:inline-flex;align-items:center;min-height:44px}
.sitenav a:hover,.sitenav a[aria-current=page]{text-decoration:underline;text-underline-offset:4px}
header.site a:focus-visible{outline-color:#fff}
.hero{padding:1.25rem 0 .5rem}
h1{font-size:clamp(1.55rem,4.5vw,2.3rem);line-height:1.2;margin:.25rem 0 .5rem}
.lede{color:var(--muted);margin:0 0 .6rem;max-width:62ch}
.jump{display:flex;flex-wrap:wrap;gap:.25rem 1rem;font-size:.92rem;margin-bottom:.75rem}
.jump a{display:inline-flex;align-items:center;min-height:32px}
@media(max-width:599px){
  header.site .wrap{padding:.35rem 1rem .25rem}
  header.site .logo{min-height:40px}
  .sitenav{margin-left:0;width:100%;flex-wrap:nowrap;justify-content:space-between;gap:0 .5rem;overflow-x:auto}
  .sitenav a{font-size:.84rem;white-space:nowrap}
  .hero{padding-top:.9rem}
  .jump{display:none}
}
.grid{display:grid;gap:1rem}
@media(min-width:880px){
  .grid{grid-template-columns:360px 1fr;grid-template-areas:"a r" "b r";align-items:start}
  .area-a{grid-area:a}.area-b{grid-area:b}.area-r{grid-area:r;position:sticky;top:1rem}
}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.1rem}
.card h2{font-size:1.1rem;margin:0 0 .75rem}
.section-gap{margin-top:1rem}
.field{margin-bottom:.9rem}
label{display:block;font-weight:600;font-size:.95rem;margin-bottom:.3rem}
.hint{display:block;font-size:.83rem;color:var(--muted);margin:.25rem 0 0}
.hint.inline{display:inline}
.example-note{margin:-.4rem 0 .8rem}
.input{position:relative}
.input .pre,.input .post{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted);pointer-events:none}
.input .pre{left:.75rem}.input .post{right:.75rem}
input[type=number],input[type=text],select{width:100%;font:inherit;color:inherit;padding:.65rem .75rem;border:1px solid var(--field);border-radius:8px;background:#fff;min-height:44px}
.input.has-pre input{padding-left:1.6rem}.input.has-post input{padding-right:2rem}
input[aria-invalid=true]{border-color:#b42318;background:#fff5f5}
.err{color:#b42318;font-size:.85rem;margin-top:.25rem}
.err:empty{display:none}
.check{display:flex;gap:.55rem;align-items:flex-start;font-weight:600;min-height:44px;padding-top:.6rem}
.check input{width:22px;height:22px;margin:.1rem 0 0;flex:none;accent-color:var(--brand)}
.btn{font:inherit;font-size:.9rem;font-weight:600;min-height:44px;padding:.5rem .9rem;border-radius:8px;border:1px solid var(--field);background:#fff;color:var(--ink);cursor:pointer}
.btn:hover{background:#f1f4f9}
.btn-primary{background:var(--brand);border-color:var(--brand);color:#fff;width:100%}
.btn-primary:hover{background:#094c3d}
.actions{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1rem}
.results .big{font-size:clamp(1.9rem,6vw,2.6rem);font-weight:750;color:var(--brand);line-height:1.1;margin:.2rem 0}
.results.stale .big{color:var(--muted);font-size:1.4rem}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:.75rem;margin:1rem 0}
.kpi{border:1px solid var(--line);border-radius:10px;padding:.7rem .8rem;background:#fbfcfe}
.kpi .k{font-size:.8rem;color:var(--muted);text-transform:uppercase;letter-spacing:.04em}
.kpi .v{font-size:1.2rem;font-weight:700;min-height:1.6em}
.note{background:#eef6f3;border-left:4px solid var(--brand);padding:.6rem .8rem;border-radius:6px;font-size:.92rem;margin:.75rem 0}
.note.warn{background:var(--warn-bg);border-color:#e0a000;color:var(--warn)}
.verified{margin-top:.75rem}
table{border-collapse:collapse;width:100%;font-size:.9rem;font-variant-numeric:tabular-nums}
th,td{padding:.45rem .6rem;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}
th:first-child,td:first-child{text-align:left}
thead th{position:sticky;top:0;background:#f1f4f9;font-weight:650}
.tablewrap{overflow:auto;max-height:420px;border:1px solid var(--line);border-radius:10px;background:#fff}
.tablewrap.tall{max-height:none}
caption{text-align:left;font-weight:650;padding:.5rem .6rem}
.wh-h{font-size:1rem;margin:.5rem 0}
.wh td,.wh th{white-space:normal}
tr:target{background:#fff3c4}
.chart{width:100%;height:auto;display:block}
.legend{display:flex;flex-wrap:wrap;gap:1rem;font-size:.85rem;color:var(--muted);margin:.25rem 0 .5rem}
.legend span{display:inline-flex;align-items:center;gap:.35rem}
.sw{width:14px;height:10px;border-radius:2px;display:inline-block}
.sw-bal{background:var(--area);border:1px solid var(--accent)}
.sw-wd{background:var(--bar)}
article{margin:2rem 0}
article h2{font-size:1.4rem;margin:2rem 0 .5rem}
article h3{font-size:1.1rem;margin:1.25rem 0 .25rem}
article p,article li{max-width:72ch}
.factors{max-width:620px}
details{border:1px solid var(--line);border-radius:10px;background:#fff;padding:.6rem .9rem;margin:.5rem 0}
summary{cursor:pointer;font-weight:650;min-height:32px}
.disclaimer{font-size:.9rem}
.crumbs{font-size:.88rem;color:var(--muted);margin:1rem 0 0}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.4rem}
.crumbs li+li::before{content:"/";margin-right:.4rem;color:var(--muted)}
.cta{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;font-weight:650;padding:.6rem 1rem;border-radius:8px;min-height:44px}
.cta:hover{background:#094c3d}
.mini{max-width:520px}
footer{border-top:1px solid var(--line);padding:1.5rem 0 5rem;color:var(--muted);font-size:.85rem;margin-top:2rem}
footer nav{display:flex;flex-wrap:wrap;gap:.25rem 1rem;margin-bottom:.5rem}
footer nav a{display:inline-flex;align-items:center;min-height:32px}
.sources li{word-break:break-word}
footer .disclosure{margin-top:.5rem}
.lead .lede{margin-bottom:1rem}
@media(min-width:640px){.lead-grid{display:grid;grid-template-columns:1fr 1fr;column-gap:1rem}}
input[type=email],input[type=tel]{width:100%;font:inherit;color:inherit;padding:.65rem .75rem;border:1px solid var(--field);border-radius:8px;background:#fff;min-height:44px}
select[aria-invalid=true],input[type=checkbox][aria-invalid=true]{border-color:#b42318;outline:2px solid #b42318}
.check.consent{font-weight:400;max-width:72ch}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.lead-submit{max-width:320px}
#lead-status:empty{display:none}
.error-page{padding:3rem 1rem}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.offscreen{position:fixed;left:-9999px;top:0}
.sticky-min{position:fixed;left:0;right:0;bottom:0;z-index:5;display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:.6rem 1rem;background:var(--brand);color:#fff;box-shadow:0 -2px 10px rgba(0,0,0,.15)}
.sticky-min[hidden]{display:none}
.sticky-min a{color:#fff;font-weight:650;min-height:44px;display:inline-flex;align-items:center}
.print-only{display:none}
@media print{
  body{background:#fff}
  header.site,.sitenav,.jump,.no-print,.sticky-min,.skip,footer nav,.area-a,.area-b,.lead,noscript{display:none!important}
  .print-only{display:block}
  .print-only pre{white-space:pre-wrap;font:inherit}
  .grid{display:block}.card{box-shadow:none;border:0;padding:0}
  .area-r{position:static}
  .tablewrap{max-height:none;overflow:visible;border:0}
  thead th{position:static}
  a{color:inherit}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}