:root{
  --paper:#FBFAF7; --surface:#FFFFFF; --surface-2:#F3F1EC;
  --line:#E2DED6; --line-strong:#C9C3B8;
  --text:#11202B; --text-muted:#556672;
  --brand-900:#0B2A39; --brand-700:#124559; --brand-500:#1C7A9C; --brand-300:#6FC2D9; --brand-050:#ECF6FA;
  --brass-700:#8F6A20; --brass-600:#B8862B; --brass-500:#D29C33; --brass-100:#F8EDD3;
  --ok:#1F7A58; --warn:#B3431E;
  --cta-text:#120E03;
  --shadow:0 1px 2px rgba(17,32,43,.05), 0 8px 24px -12px rgba(17,32,43,.16);
  --radius:14px; --maxw:1180px;
  --mono:"IBM Plex Mono",ui-monospace,SFMono-Regular,Menlo,monospace;
  --sans:"Inter Tight",system-ui,-apple-system,"Segoe UI",sans-serif;
  --serif:"Newsreader",Georgia,"Times New Roman",serif;
  color-scheme: light dark;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --paper:#0B1520; --surface:#121E2A; --surface-2:#182633;
    --line:#243442; --line-strong:#34495A;
    --text:#E8EFF3; --text-muted:#9CB0BD;
    --brand-900:#071825; --brand-700:#0E3545; --brand-500:#52AECB; --brand-300:#8FD4E6; --brand-050:#122E3A;
    --brass-700:#E8B74A; --brass-600:#E0AC3C; --brass-500:#F0C35E; --brass-100:#2A2415;
    --ok:#4FC79A; --warn:#E8845C; --cta-text:#0B1520;
    --shadow:0 1px 2px rgba(0,0,0,.4), 0 8px 24px -12px rgba(0,0,0,.6);
  }
}
:root[data-theme="dark"]{
  --paper:#0B1520; --surface:#121E2A; --surface-2:#182633;
  --line:#243442; --text:#E8EFF3; --text-muted:#9CB0BD;
  --brand-700:#0E3545; --brand-500:#52AECB; --brand-050:#122E3A;
  --brass-600:#E0AC3C; --cta-text:#0B1520;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--text);font-family:var(--sans);
  font-size:17px;line-height:1.65;overflow-x:hidden}
img{max-width:100%}
a{color:var(--brand-500);text-decoration:none}
a:hover{text-decoration:underline}
a:focus-visible,button:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--brand-500);outline-offset:2px}
.wrap{width:min(var(--maxw),calc(100% - 32px));margin-inline:auto}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.15;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(32px,4.4vw,52px)}
h2{font-size:clamp(25px,3vw,36px);margin-top:0}
h3{font-size:clamp(19px,2vw,23px)}
p{margin:0 0 1em}
.mono{font-family:var(--mono);font-variant-numeric:tabular-nums}
.muted{color:var(--text-muted)}
.sec{padding:56px 0;border-top:1px solid var(--line)}
.sec:first-of-type{border-top:0}
.lede{font-size:19px;color:var(--text-muted);max-width:68ch}

/* header */
.hdr{position:sticky;top:0;z-index:40;background:color-mix(in srgb,var(--paper) 92%,transparent);
  backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:20px;height:64px}
.logo{display:flex;align-items:center;gap:9px;font-family:var(--serif);font-weight:600;
  font-size:19px;color:var(--text);white-space:nowrap}
.logo:hover{text-decoration:none}
.logo-mark{width:22px;height:22px;border-radius:5px;flex:0 0 auto;
  background:linear-gradient(135deg,var(--brand-500),var(--brand-700))}
.nav-links{display:flex;gap:22px;align-items:center;margin-left:14px;font-size:15px;font-weight:500}
.nav-links a{color:var(--text)}
.nav-cta{margin-left:auto;display:flex;align-items:center;gap:14px}
.tel{font-family:var(--mono);font-size:14px;color:var(--text-muted);white-space:nowrap}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;
  padding:12px 22px;font-weight:600;font-size:15px;cursor:pointer;font-family:var(--sans);
  transition:transform .15s ease,background .15s ease}
.btn-primary{background:var(--brass-600);color:var(--cta-text)}
.btn-primary:hover{background:var(--brass-500);text-decoration:none;transform:translateY(-1px)}
.btn-ghost{border:1px solid var(--line-strong);color:var(--text);background:transparent}
.btn-ghost:hover{text-decoration:none;border-color:var(--brand-500)}
.btn-lg{padding:15px 28px;font-size:16px}
.dd{position:relative}
.dd-menu{position:absolute;top:100%;left:-14px;min-width:238px;background:var(--surface);
  border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;margin:0;
  list-style:none;opacity:0;visibility:hidden;transform:translateY(-4px);transition:.14s}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{opacity:1;visibility:visible;transform:none}
.dd-menu a{display:block;padding:9px 12px;border-radius:8px;font-size:15px}
.dd-menu a:hover{background:var(--brand-050);text-decoration:none}
.burger{display:none;background:none;border:0;font-size:22px;color:var(--text);cursor:pointer;padding:6px}

/* hero */
.hero{padding:60px 0 44px;background:
  radial-gradient(900px 420px at 85% -10%,var(--brand-050),transparent 70%)}
.hero h1{max-width:19ch}
.hero .lede{font-size:20px;margin-bottom:22px}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin:26px 0 8px}
.crit{font-weight:600;color:var(--text)}
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:34px}
.tile{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px}
.tile b{display:block;font-family:var(--mono);font-size:24px;letter-spacing:-.02em}
.tile span{font-size:13px;color:var(--text-muted)}

/* tables */
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface)}
table{border-collapse:collapse;width:100%;font-size:15px;min-width:560px}
caption{text-align:left;padding:14px 16px;color:var(--text-muted);font-size:14px;border-bottom:1px solid var(--line)}
th,td{padding:12px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--surface-2);font-size:13px;text-transform:uppercase;letter-spacing:.06em;
  color:var(--text-muted);font-weight:600}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
th[scope=row]{font-weight:600;width:24%}
.note{font-size:15px;color:var(--text-muted);margin-top:14px;max-width:80ch}

/* cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.card h3{margin-bottom:.35em}
.card p{font-size:15px;color:var(--text-muted);margin-bottom:.8em}
.card .meta{font-family:var(--mono);font-size:13px;color:var(--text)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.steps{counter-reset:s;display:grid;gap:14px}
.step{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px}
.step b{display:block;font-size:16px}
.promise{background:var(--brand-050);border:1px solid var(--line);border-left:4px solid var(--brand-500);
  border-radius:var(--radius);padding:20px 22px;margin-top:22px}
.promise p:last-child{margin-bottom:0}
details{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}
summary{cursor:pointer;font-weight:600;font-size:16px}
details p{margin:.7em 0 0;color:var(--text-muted);font-size:15px}
.band{background:var(--brand-700);color:#fff;padding:52px 0;margin-top:0}
.band h2,.band p{color:#fff}
.band .muted{color:#C7DCE6}
.elig-strip{font-size:14px;color:var(--text-muted);border-top:1px solid var(--line);padding-top:18px;margin-top:22px}
.ftr{border-top:1px solid var(--line);background:var(--surface-2);padding:44px 0 30px;margin-top:0}
.ftr-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.ftr h3{font-family:var(--sans);font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--text-muted)}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin-bottom:7px}
.ftr a{font-size:15px;color:var(--text)}
.legal{font-size:13px;color:var(--text-muted);max-width:92ch;margin-top:12px}
.pill{display:inline-block;background:var(--brand-050);color:var(--brand-700);border-radius:999px;
  padding:4px 12px;font-size:13px;font-weight:600;margin-bottom:14px}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .pill{color:var(--brand-300)}}
.calc{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin-top:20px}
.calc label{display:block;font-size:14px;font-weight:600;margin-bottom:6px}
.calc input[type=range]{width:100%;margin-bottom:16px;accent-color:var(--brand-500)}
.calc .out{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:10px}
.calc .out div{background:var(--surface-2);border-radius:10px;padding:14px}
.calc .out b{display:block;font-family:var(--mono);font-size:21px}
.calc .out span{font-size:13px;color:var(--text-muted)}
.verdict{margin-top:16px;padding:14px 16px;border-radius:10px;background:var(--brand-050);font-weight:600}
@media(max-width:900px){
  .tiles{grid-template-columns:1fr 1fr}.cards{grid-template-columns:1fr 1fr}
  .ftr-grid{grid-template-columns:1fr 1fr}.two{grid-template-columns:1fr}
  .calc .out{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  body{font-size:16px}
  .burger{display:block;margin-left:auto}
  .nav-links{display:none;position:absolute;top:64px;left:0;right:0;background:var(--surface);
    border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:10px 16px 18px;margin:0}
  body.nav-open .nav-links{display:flex}
  .nav-links>a,.dd>a{padding:11px 0;border-bottom:1px solid var(--line)}
  .dd-menu{position:static;opacity:1;visibility:visible;transform:none;border:0;box-shadow:none;
    background:transparent;padding:0 0 0 12px}
  .nav-cta .tel{display:none}
  .tiles{grid-template-columns:1fr 1fr}.cards{grid-template-columns:1fr}
  .calc .out{grid-template-columns:1fr}
  .sec{padding:40px 0}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto}}