:root{
  --night:#0e1730; --panel:#16223f; --panel2:#1d2c4f; --sky:#38b0ff; --coral:#ff6a3d;
  --coral-d:#e8511f; --gold:#ffc247; --ink:#1a2436; --bg:#f3f6fc; --card:#ffffff;
  --mut:#5f6f88; --line:#e0e6f1; --deep:#0a1224;
}
*{box-sizing:border-box}
html,body{width:100%;overflow-x:hidden;margin:0}
html{scroll-behavior:smooth}
body{font-family:'Manrope',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.66;font-size:17px;-webkit-font-smoothing:antialiased}
.container{max-width:1080px;margin:0 auto;padding:0 22px}
a{color:var(--coral-d)}
img{max-width:100%;height:auto}
h1,h2,h3,h4{line-height:1.22;color:var(--night);font-weight:800}
h1{font-size:2.05rem;margin:.12em 0 .3em;letter-spacing:-.5px}
h2{font-size:1.5rem;margin:1.7em 0 .5em;letter-spacing:-.3px}
h3{font-size:1.17rem;margin:1.3em 0 .35em}
p{margin:.7em 0}
strong{color:var(--night)}
main{display:block;padding:6px 0 48px}

/* header */
.site-head{background:linear-gradient(100deg,var(--deep),var(--panel2));color:#fff;position:sticky;top:0;z-index:40;
  box-shadow:0 4px 20px rgba(8,14,30,.28)}
.head-row{display:flex;align-items:center;gap:18px;flex-wrap:nowrap;min-height:64px}
.wordmark{color:#fff;font-weight:800;font-size:1.24rem;text-decoration:none;white-space:nowrap;letter-spacing:-.2px}
.mainnav{margin-left:auto;display:flex;align-items:center;gap:2px;flex-wrap:nowrap}
.mainnav a{color:#dbe6f6;text-decoration:none;padding:8px 10px;border-radius:8px;font-size:.94rem;font-weight:500;white-space:nowrap}
.mainnav a:hover,.mainnav a.active{background:rgba(255,255,255,.12);color:#fff}
.nav-cta{background:var(--coral);color:#fff !important;font-weight:700;padding:9px 15px;border-radius:9px;white-space:nowrap;margin-left:6px}
.nav-cta:hover{background:var(--coral-d)}
.burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;padding:9px;width:46px;height:46px}
.burger span{display:block;width:24px;height:2.5px;background:#fff;border-radius:2px;margin:5px 0}

/* breadcrumb */
.crumbs{font-size:.9rem;color:var(--mut);padding:13px 0 0}
.crumbs a{color:var(--coral-d);text-decoration:none}
.crumbs b{color:var(--night);font-weight:600}

/* hero + lede */
.hero{margin:16px 0 4px}
.hero img{width:100%;display:block;border-radius:14px;box-shadow:0 14px 40px rgba(14,23,48,.22)}
.hero figcaption{color:var(--mut);font-size:.85rem;text-align:center;margin-top:9px}
.lede{font-size:1.12rem;color:#28344a;background:linear-gradient(180deg,#fff,#f7faff);
  border:1px solid var(--line);border-left:5px solid var(--coral);padding:15px 19px;border-radius:12px;margin:16px 0}

/* fact grid + table */
.facts{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:4px 22px 16px;margin:20px 0;
  box-shadow:0 6px 22px rgba(14,23,48,.06)}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:15px 0}
table{border-collapse:collapse;width:100%;min-width:460px;background:var(--card)}
th,td{border:1px solid var(--line);padding:10px 13px;text-align:left;font-size:.95rem}
th{background:var(--panel2);color:#fff;font-weight:600}
tbody tr:nth-child(even){background:#f8fafe}
ul,ol{padding-left:22px}
li{margin:.32em 0}

/* verdict cols */
.split{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:18px 0}
.split .box{background:var(--card);border:1px solid var(--line);border-radius:13px;padding:12px 20px}
.split h3{margin-top:.5em}
.split ul{list-style:none;padding-left:0}
.split li{position:relative;padding-left:26px}
.split .up li:before{content:"↑";color:#1c9a63;font-weight:800;position:absolute;left:0}
.split .down li:before{content:"↓";color:var(--coral-d);font-weight:800;position:absolute;left:0}

/* offer band */
.offer{background:linear-gradient(125deg,var(--panel),#2a4a86);color:#eef5ff;border-radius:14px;padding:20px 22px;margin:22px 0;
  box-shadow:0 10px 30px rgba(14,23,48,.2)}
.offer h3{color:#fff;margin:.1em 0 .4em}
.offer b{color:var(--gold)}

/* numbered steps */
.howto{counter-reset:s;list-style:none;padding-left:0}
.howto li{position:relative;padding:7px 0 7px 46px;margin:.3em 0}
.howto li:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:5px;width:32px;height:32px;
  background:var(--coral);color:#fff;border-radius:50%;text-align:center;line-height:32px;font-weight:800}

/* switch (tabs) */
.switch{margin:18px 0}
.switch-tabs{display:flex;flex-wrap:wrap;gap:8px}
.switch-tabs button{border:1px solid var(--line);background:var(--card);padding:10px 15px;border-radius:9px;cursor:pointer;
  font:inherit;font-weight:600;color:var(--panel2)}
.switch-tabs button.active{background:var(--coral);color:#fff;border-color:var(--coral)}
.switch-pane{display:none;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:15px 18px;margin-top:10px}
.switch-pane.active{display:block}

/* estimator */
.est{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin:20px 0}
.est label{display:block;font-size:.9rem;color:var(--mut);margin:.6em 0 .2em;font-weight:600}
.est input[type=range]{width:100%;accent-color:var(--coral)}
.est .rowvals{display:flex;justify-content:space-between;font-size:.9rem;color:var(--mut)}
.est .out{font-size:1.4rem;font-weight:800;color:var(--panel2);margin-top:12px;background:#f2f7ff;border-radius:10px;padding:12px 14px}

/* faq */
.faq details{background:var(--card);border:1px solid var(--line);border-radius:11px;margin:11px 0;padding:2px 18px}
.faq summary{cursor:pointer;font-weight:700;color:var(--night);padding:13px 0;min-height:44px;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";color:var(--coral);font-size:1.4rem;line-height:1}
.faq details[open] summary:after{content:"\2013"}
.faq p{margin:.1em 0 13px}

/* cta */
.cta{text-align:center;margin:28px 0 8px}
.btn{display:inline-block;background:var(--coral);color:#fff;font-weight:800;text-decoration:none;
  padding:16px 36px;border-radius:12px;font-size:1.08rem;box-shadow:0 10px 26px rgba(255,106,61,.4)}
.btn:hover{background:var(--coral-d)}

/* footer */
.site-foot{background:linear-gradient(100deg,var(--deep),var(--panel2));color:#c3d1e8;margin-top:34px;padding:30px 0 18px;font-size:.93rem}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:26px}
.site-foot h4{color:#fff;margin:0 0 10px;font-size:1rem}
.site-foot a{color:#c3d1e8;text-decoration:none}.site-foot a:hover{color:#fff}
.site-foot ul{list-style:none;padding:0;margin:0}
.rg{display:flex;align-items:center;gap:10px;margin:7px 0}
.badge{background:var(--gold);color:#20140a;font-weight:800;border-radius:7px;padding:3px 9px;font-size:.85rem}
.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:20px;padding-top:13px;color:#8598b6;font-size:.84rem}

/* back to top */
#up{position:fixed;right:17px;bottom:17px;background:var(--panel2);color:#fff;border:0;border-radius:50%;
  width:48px;height:48px;font-size:1.25rem;cursor:pointer;display:none;z-index:50;box-shadow:0 6px 16px rgba(0,0,0,.28)}

@media(max-width:960px){
  h1{font-size:1.6rem}h2{font-size:1.3rem}h3{font-size:1.08rem}
  .burger{display:block}
  .mainnav{display:none;position:absolute;left:0;right:0;top:64px;background:var(--panel);
    flex-direction:column;align-items:stretch;gap:0;padding:8px 22px 18px;box-shadow:0 16px 26px rgba(0,0,0,.3)}
  .mainnav.open{display:flex}
  .mainnav a{padding:13px 6px;border-bottom:1px solid rgba(255,255,255,.09)}
  .nav-cta{text-align:center;margin:10px 0 0}
  .head-row{position:relative}
  .split,.foot-grid{grid-template-columns:1fr}
}