:root{color-scheme:dark;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;--bg:#0c1520;--surface:#142231;--surface2:#1b3040;--line:#315066;--ink:#f3f8fb;--muted:#b9cbd5;--accent:#a7e9d1;--accent-ink:#092923;--warning:#ffd693}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);line-height:1.6}body.calc{--bg:#10151e;--surface:#192330;--surface2:#243244;--line:#41556d;--accent:#d5ed8b;--accent-ink:#202b0c}body.protect{--bg:#0c1b1d;--surface:#153035;--surface2:#1e3b40;--line:#376168;--accent:#a6efd0;--accent-ink:#082b20}body.payout{--bg:#111326;--surface:#1c2240;--surface2:#282f50;--line:#4b547c;--accent:#c7b5ff;--accent-ink:#24153f}a{color:var(--accent);text-underline-offset:3px}a:hover{text-decoration-thickness:2px}button,input,select,textarea{font:inherit}button{cursor:pointer}.wrap{width:min(1120px,calc(100% - 36px));margin:auto}.skip{position:absolute;top:-100px;left:10px;background:var(--accent);color:var(--accent-ink);padding:8px;z-index:10}.skip:focus{top:10px}.site-header{border-bottom:1px solid var(--line);background:var(--bg)}.header-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo{font-size:1.14rem;font-weight:800;letter-spacing:-.04em;color:var(--ink);text-decoration:none;white-space:nowrap}.logo b{display:inline-grid;place-items:center;background:var(--accent);color:var(--accent-ink);height:34px;min-width:34px;padding:0 5px;border-radius:9px;margin-right:9px;font:800 .75rem ui-monospace,monospace}.nav{display:flex;align-items:center;flex-wrap:wrap;gap:14px}.nav a{font-size:.9rem;font-weight:600;text-decoration:none;color:var(--muted)}.nav a:hover{color:var(--ink)}.nav .nav-cta{color:var(--accent-ink);background:var(--accent);padding:9px 14px;border-radius:10px}.eyebrow{color:var(--accent);font:700 .74rem ui-monospace,monospace;letter-spacing:.12em;text-transform:uppercase}.hero{padding:68px 0 64px;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(280px,.85fr);align-items:center;gap:40px}.hero h1{font-size:clamp(2.7rem,6.4vw,5.35rem);line-height:1.04;letter-spacing:-.065em;margin:12px 0 18px}.hero p{font-size:1.13rem;color:var(--muted);max-width:60ch}.hero-visual{position:relative;min-height:330px;padding:30px;border:1px solid var(--line);border-radius:24px;background:radial-gradient(circle at 80% 0%,var(--surface2),var(--surface) 62%);display:flex;flex-direction:column;justify-content:space-between;overflow:hidden}.hero-visual:after{content:'';position:absolute;inset:0;background:linear-gradient(transparent 94%,#ffffff0b 94%),linear-gradient(90deg,transparent 94%,#ffffff0b 94%);background-size:34px 34px;pointer-events:none}.visual-big{font-size:clamp(2.2rem,4vw,3.5rem);font-weight:850;letter-spacing:-.07em;line-height:1.07;position:relative;z-index:1}.visual-foot{color:var(--muted);font:700 .77rem ui-monospace,monospace;position:relative;z-index:1}.actions{display:flex;flex-wrap:wrap;gap:11px;margin-top:24px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:11px 17px;border:1px solid var(--accent);background:var(--accent);color:var(--accent-ink);border-radius:11px;text-decoration:none;font-weight:750;line-height:1.25}.btn:hover{filter:brightness(1.08);color:var(--accent-ink)}.btn.alt{background:transparent;color:var(--accent)}.btn.alt:hover{background:var(--surface2);color:var(--ink)}.section{padding:66px 0;border-top:1px solid var(--line)}.section.tint{background:var(--surface)}.section h2{font-size:clamp(1.95rem,3.5vw,2.9rem);line-height:1.13;letter-spacing:-.045em;margin:8px 0 13px}.intro{color:var(--muted);font-size:1.05rem;max-width:72ch;margin:0 0 27px}.section-head{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:27px}.section-head .intro{margin:0;max-width:48ch}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.card,.panel{background:var(--surface);border:1px solid var(--line);border-radius:17px;padding:22px}.tint .card,.tint .panel{background:var(--bg)}.card h3,.panel h3{font-size:1.19rem;line-height:1.25;letter-spacing:-.02em;margin:7px 0 9px}.card p,.panel p{color:var(--muted);margin:0 0 12px}.card p:last-child,.panel p:last-child{margin-bottom:0}.kicker{color:var(--accent);font:700 .75rem ui-monospace,monospace;text-transform:uppercase;letter-spacing:.08em}.split{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(300px,.88fr);gap:18px}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.field{display:block;margin:0 0 15px}.field span,.field label{display:block;font-size:.88rem;font-weight:720;margin-bottom:6px;color:var(--ink)}.field small{display:block;color:var(--muted);font-size:.8rem;margin-top:4px}.field input,.field select,.field textarea,input[type=number],select,textarea{width:100%;padding:11px 12px;border-radius:10px;border:1px solid var(--line);background:var(--bg);color:var(--ink);outline:none}.field input:focus,.field select:focus,.field textarea:focus,button:focus-visible,a:focus-visible{outline:2px solid var(--accent);outline-offset:2px}.field textarea{min-height:130px;resize:vertical}.big-result{font-size:clamp(2.3rem,5vw,4rem);font-weight:850;line-height:1.08;letter-spacing:-.06em;margin:10px 0;color:var(--accent)}.metric-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:11px;margin:19px 0}.metric{background:var(--surface2);border-radius:11px;padding:13px}.metric strong{display:block;font-size:1.18rem;color:var(--ink)}.metric span{display:block;color:var(--muted);font-size:.8rem}.notice{border-left:3px solid var(--accent);background:var(--surface2);padding:14px 18px;border-radius:0 10px 10px 0;color:var(--ink)}.notice.warning{border-left-color:var(--warning)}.notice p{margin:0}.steps{counter-reset:steps;display:grid;gap:12px}.step{display:grid;grid-template-columns:44px 1fr;gap:16px;padding:20px;border:1px solid var(--line);border-radius:14px;background:var(--surface)}.step:before{counter-increment:steps;content:counter(steps,decimal-leading-zero);display:grid;place-items:center;width:42px;height:42px;background:var(--surface2);border-radius:9px;color:var(--accent);font:800 .88rem ui-monospace,monospace}.step h3{margin:0 0 5px;font-size:1.13rem}.step p{margin:0;color:var(--muted)}.step p+p{margin-top:8px}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:14px}table{width:100%;border-collapse:collapse;min-width:620px}th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line)}th{background:var(--surface2);font-size:.83rem;color:var(--ink)}td{color:var(--muted)}tr:last-child td{border-bottom:0}.small{font-size:.84rem;color:var(--muted)}.checklist{display:grid;gap:10px}.checklist label{display:flex;gap:10px;align-items:start;cursor:pointer}.checklist input{margin-top:5px;accent-color:var(--accent);width:18px;height:18px;flex:none}.filter-row{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:18px}.filter-row button{background:var(--surface);border:1px solid var(--line);border-radius:30px;color:var(--ink);padding:7px 12px}.filter-row button[aria-pressed=true]{background:var(--accent);color:var(--accent-ink)}.report-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.report-card{border:1px solid var(--line);background:var(--surface);border-radius:14px;padding:18px;overflow-wrap:anywhere}.report-card h3{margin:8px 0}.report-card p{color:var(--muted);margin:8px 0}.report-category{color:var(--accent);font:800 .75rem ui-monospace,monospace;text-transform:uppercase}.report-meta,.report-indicator{font-size:.8rem}.callout{background:linear-gradient(120deg,var(--surface2),var(--surface));border:1px solid var(--line);border-radius:20px;padding:28px;display:flex;justify-content:space-between;align-items:center;gap:25px}.callout h2{margin:4px 0;font-size:1.9rem}.callout p{color:var(--muted);max-width:65ch;margin:0}.callout .btn{flex:none}.sources{padding-left:20px;columns:2}.sources li{break-inside:avoid;margin-bottom:9px}.footer{border-top:1px solid var(--line);padding:35px 0 55px;display:flex;justify-content:space-between;gap:20px}.footer p{color:var(--muted);margin:7px 0}.footer-links{display:flex;gap:15px;flex-wrap:wrap;align-content:start}.footer-links a{font-size:.9rem}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}.status{min-height:1.4em}.muted{color:var(--muted)}
@media(max-width:820px){.hero,.split{grid-template-columns:1fr}.hero{padding:45px 0}.hero-visual{min-height:245px}.grid{grid-template-columns:repeat(2,minmax(0,1fr))}.section-head{display:block}.section-head .intro{max-width:70ch}.callout{align-items:flex-start;flex-direction:column}.header-inner{align-items:flex-start;flex-direction:column;padding:15px 0}.nav{gap:10px}}
@media(max-width:580px){.grid,.grid.two,.field-grid,.report-list{grid-template-columns:1fr}.section{padding:48px 0}.sources{columns:1}.footer{display:block}.footer-links{margin-top:17px}.nav .nav-cta{margin-top:3px}.hero h1{font-size:2.75rem}}

.gap-top{margin-top:22px}