:root{--navy:#0a2540;--navy2:#12314f;--navy3:#1b3a5c;--gold:#c9a227;--gold-dark:#8a6d0f;--gold-light:#f0dfa6;--gold-bg:#faf3df;--green:#1d9e75;--green-light:#7ee0a1;--green-dark:#123f2b;--paper:#f7f5f0;--card:#fff;--ink:#1a2433;--ink2:#5a6b80;--line:#e3e0d8}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;background:var(--paper);color:var(--ink);line-height:1.6;overflow-x:hidden}
h1,h2,h3{font-family:'Fraunces',serif}
nav.main{position:fixed;top:0;left:0;right:0;z-index:100;display:flex;justify-content:space-between;align-items:center;padding:12px 5%;background:rgba(10,37,64,.97);box-shadow:0 2px 20px rgba(0,0,0,.25)}
.logo{display:flex;align-items:center;gap:9px;color:#fff;font-weight:600;font-size:17px;text-decoration:none}
.logo .star{color:var(--gold);font-size:20px}
.nav-links{display:flex;gap:22px;align-items:center}
.nav-links a{color:#c7d6e6;text-decoration:none;font-size:13.5px}
.nav-links a:hover{color:#fff}
.nav-toggle{display:none;background:none;border:none;color:#fff;font-size:24px;cursor:pointer;padding:2px 6px;line-height:1}
@media(max-width:720px){.nav-toggle{display:block}
.nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:rgba(10,37,64,.98);flex-direction:column;padding:16px 5% 20px;gap:0}
.nav-links.open{display:flex}
.nav-links a{padding:12px 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:15px;width:100%}}
.goldbtn{position:relative;overflow:hidden;background:linear-gradient(168deg,#fdf0a8 0%,#f3d266 22%,#d4a92e 48%,#b0821a 74%,#8a6d0f 100%);color:#2e2103 !important;border:1px solid rgba(138,109,15,.9);box-shadow:inset 0 1px 0 rgba(255,255,255,.75),0 10px 28px rgba(201,162,39,.45)}
.calctabs{position:fixed;top:64px;left:0;right:0;z-index:95;background:rgba(255,255,255,.98);border-bottom:1px solid var(--line);box-shadow:0 3px 16px rgba(26,36,51,.1)}
.calctabs-inner{max-width:1180px;margin:0 auto;display:flex;overflow-x:auto;padding:0 5%;scrollbar-width:none;-ms-overflow-style:none}
.calctabs-inner::-webkit-scrollbar{display:none}
@media(max-width:1180px){.calctabs::after{content:"";position:absolute;right:0;top:0;bottom:0;width:42px;background:linear-gradient(90deg,rgba(255,255,255,0),rgba(255,255,255,.98));pointer-events:none}}
.ct{flex:none;padding:12px 9px;font-size:12.5px;color:var(--ink2);text-decoration:none;white-space:nowrap;border-bottom:3px solid transparent}
.ct:hover{color:var(--ink);background:rgba(201,162,39,.07)}
.ct.cur{color:var(--navy);font-weight:600;border-bottom-color:var(--gold);background:rgba(201,162,39,.09)}
.pagehead{background:linear-gradient(180deg,#0a2540 0%,#0d2c4d 100%);padding:158px 5% 46px;text-align:center}
.pagehead h1{color:#fff;font-size:clamp(26px,4vw,40px);font-weight:600;line-height:1.15}
.pagehead h1 em{font-style:normal;color:var(--gold)}
.pagehead p{color:#b6c8da;font-size:15.5px;max-width:680px;margin:14px auto 0}
.crumb{max-width:1180px;margin:0 auto;padding:14px 5% 0;font-size:12px;color:var(--ink2)}
.crumb a{color:var(--gold-dark);text-decoration:none}
section{padding:34px 5% 54px}
.wrap{max-width:1180px;margin:0 auto}
.calc-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:20px;align-items:start}
@media(max-width:900px){.calc-grid{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;margin-bottom:16px;box-shadow:0 2px 12px rgba(26,36,51,.05)}
.card h3{font-size:17px;margin-bottom:12px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:640px){.grid2{grid-template-columns:1fr}}
.field label{display:block;font-size:11.5px;color:var(--ink2);margin-bottom:5px;font-weight:500}
.field input,.field select{font-family:inherit;font-size:14px;padding:10px 12px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink);width:100%}
.field input:focus,.field select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,162,39,.18)}
.switch{display:inline-flex;align-items:center;gap:8px;cursor:pointer;background:#fff;border:1px solid var(--line);border-radius:22px;padding:6px 7px 6px 13px;font-size:12.5px;font-weight:500;margin-top:12px}
.switch .knobwrap{width:36px;height:20px;border-radius:20px;background:var(--green);position:relative}
.switch .knob{position:absolute;top:2.5px;left:18px;width:15px;height:15px;border-radius:50%;background:#fff;transition:left .25s}
.switch.off .knobwrap{background:#aab4c0}
.switch.off .knob{left:3px}
.results{background:var(--navy);border-radius:16px;padding:24px;color:#fff;position:sticky;top:124px;box-shadow:0 18px 50px rgba(10,37,64,.35);border:1px solid rgba(201,162,39,.35)}
.results .lbl{color:#9fb3c8;font-size:12px}
.bignum{font-family:'Fraunces',serif;font-size:clamp(32px,3.4vw,42px);font-weight:600;line-height:1.05;color:#fff;font-variant-numeric:tabular-nums}
.panelbox{background:var(--navy2);border-radius:10px;padding:12px 15px;margin-top:12px}
.prow{display:flex;justify-content:space-between;font-size:13px;color:#c7d6e6;padding:4px 0;gap:12px}
.prow b{color:#fff;font-weight:600;font-variant-numeric:tabular-nums;text-align:right}
.prow b.good{color:var(--green-light)}
.stampline{background:var(--green-dark);border:1px solid rgba(126,224,161,.4);border-radius:10px;padding:12px 14px;margin-top:12px;font-size:13px;color:var(--green-light);font-weight:600}
.stampline.no{background:#432018;border-color:rgba(240,166,116,.4);color:#f0a674}
.src{color:#6f89a3;font-size:10.5px;margin-top:12px;line-height:1.5}
article{max-width:760px;margin:0 auto}
article h2{font-size:clamp(21px,2.8vw,28px);font-weight:600;margin:40px 0 14px}
article h3{font-size:17.5px;margin:24px 0 10px}
article p{margin-bottom:14px;font-size:15.5px;color:#2a3648}
article ul,article ol{margin:0 0 14px 22px;font-size:15.5px;color:#2a3648}
article li{margin-bottom:6px}
article a{color:var(--gold-dark)}
table.data{width:100%;border-collapse:collapse;margin:16px 0;font-size:14px}
table.data th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px;font-weight:500}
table.data td{padding:10px 12px;border-bottom:1px solid var(--line)}
table.data tr:nth-child(even) td{background:#faf8f3}
.tablewrap{overflow-x:auto}
.answerbox{background:var(--gold-bg);border-left:4px solid var(--gold);border-radius:0 10px 10px 0;padding:16px 18px;margin:18px 0;font-size:15.5px;color:#4a3a08}
.faq{border-bottom:1px solid var(--line);padding:16px 0}
.faq h3{margin:0 0 8px;font-size:16.5px}
.faq p{margin:0;font-size:14.5px;color:var(--ink2)}
.grid-links{display:grid;grid-template-columns:repeat(auto-fill,minmax(190px,1fr));gap:10px;margin:18px 0}
.grid-links a{background:#fff;border:1px solid var(--line);border-radius:9px;padding:11px 13px;text-decoration:none;color:var(--ink);font-size:13.5px}
.grid-links a:hover{border-color:var(--gold);box-shadow:0 6px 18px rgba(26,36,51,.08)}
.grid-links a span{display:block;font-size:11.5px;color:var(--ink2);margin-top:2px}
.xpromo-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(215px,1fr));gap:14px;margin-top:14px}
.xpromo{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px;text-decoration:none;color:var(--ink);display:block}
.xpromo:hover{border-color:rgba(201,162,39,.6);box-shadow:0 12px 30px rgba(26,36,51,.1)}
.xpromo b{font-size:14.5px;font-family:'Fraunces',serif;display:block}
.xpromo span{font-size:12.5px;color:var(--ink2);display:block;margin-top:5px}
.takeaway{background:var(--navy);border-radius:16px;padding:26px;color:#fff;margin:34px 0 8px;border:1px solid rgba(201,162,39,.3)}
.takeaway h3{font-size:19px;margin:0 0 8px;color:#fff}
.takeaway p{color:#b6c8da;font-size:14px;margin-bottom:14px}
.tkrow{display:flex;gap:8px;flex-wrap:wrap}
.tkrow input{flex:1;min-width:200px;font-family:inherit;font-size:14px;padding:12px 14px;border:1px solid rgba(255,255,255,.18);border-radius:8px;background:rgba(255,255,255,.06);color:#fff}
.tkrow button{padding:12px 22px;border-radius:8px;font-family:inherit;font-size:14px;font-weight:600;cursor:pointer;border:none}
.tkmsg{font-size:13px;margin-top:10px;min-height:18px;color:var(--green-light)}
footer{background:var(--navy);color:#7d94ab;padding:40px 5%;font-size:12.5px}
footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
footer a{color:#9fb3c8;text-decoration:none;margin-right:18px}
.disclaimer{max-width:760px;margin:18px auto 0;font-size:11px;color:#5f748f;line-height:1.6;text-align:center}
/* REGIONAL BANNER. Falls back to a navy gradient until the GenSpark art is
   saved, so the page never shows a broken or empty box. */
.regionbanner{position:relative;height:190px;border-radius:14px;overflow:hidden;margin:0 0 20px;background-color:#12314f;background-size:cover;background-position:center;background-repeat:no-repeat;border:1px solid rgba(201,162,39,.35)}
/* background-color, not the background shorthand: the inline background-image on
   each page would override a gradient set via the shorthand, leaving a
   transparent box with light text until the art exists. */
.regionbanner::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,37,64,.86) 0%,rgba(10,37,64,.45) 55%,rgba(10,37,64,.15) 100%)}
.regionbanner .rb{position:absolute;z-index:2;left:24px;bottom:20px;right:24px}
.regionbanner .rb b{display:block;font-family:'Fraunces',serif;color:#fff;font-size:clamp(18px,2.4vw,25px);line-height:1.15}
.regionbanner .rb span{display:block;color:#c7d6e6;font-size:13px;margin-top:5px}
.regionbanner .rb em{font-style:normal;color:var(--gold-light)}
@media(max-width:640px){.regionbanner{height:158px}}
@media print{.regionbanner{display:none !important}}
@media print{nav.main,.calctabs,.takeaway,article,footer .wrap{display:none !important}}