:root{
  --red:#e31837; --red-dark:#b5102a; --blue:#0b4ea2; --ink:#14161a; --muted:#5d6470;
  --bg:#f6f4ef; --card:#ffffff; --line:#e4e0d6; --good:#127a3d; --good-bg:#e5f5ea; --warn-bg:#fff1e0; --warn:#a85a00;
  --link:#0b4ea2;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --ink:#f3f1ec; --muted:#a6acb6; --bg:#121316; --card:#1c1e22; --line:#2d3036;
    --good:#5fd38d; --good-bg:#16301f; --warn:#ffb359; --warn-bg:#33240f; --link:#8fb8ff;
  }
}
:root[data-theme="dark"]{
  --ink:#f3f1ec; --muted:#a6acb6; --bg:#121316; --card:#1c1e22; --line:#2d3036;
  --good:#5fd38d; --good-bg:#16301f; --warn:#ffb359; --warn-bg:#33240f; --link:#8fb8ff;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,system-ui,sans-serif;line-height:1.55;font-size:17px}
a{color:var(--link)}
.wrap{max-width:720px;margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px;top:0;background:var(--card);padding:8px 12px;z-index:9}
.skip:focus{left:8px;top:8px}

/* header + footer */
header.site{background:var(--red);color:#fff}
header.site .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:6px 16px;padding-top:12px;padding-bottom:12px}
.brand{font-family:"Archivo Black",sans-serif;font-size:15px;letter-spacing:.08em;text-transform:uppercase;color:#fff;text-decoration:none}
nav.top{display:flex;flex-wrap:wrap;gap:4px 14px}
nav.top a{color:#fff;text-decoration:none;font-weight:600;font-size:15px;opacity:.88;padding:4px 0}
nav.top a:hover,nav.top a[aria-current="page"]{opacity:1;text-decoration:underline;text-underline-offset:4px}
footer.site{color:var(--muted);font-size:14px;padding:16px 0 40px;margin-top:24px;border-top:1px solid var(--line)}
footer.site .links a{color:var(--muted)}
.crumbs{font-size:14px;color:var(--muted);margin:14px 0 0}
.crumbs a{color:var(--muted)}

/* type */
h1{font-family:"Archivo Black",sans-serif;font-size:clamp(28px,7vw,40px);line-height:1.08;margin:14px 0 10px}
h2{font-family:"Archivo Black",sans-serif;font-size:22px;line-height:1.2;margin:30px 0 8px}
h3{font-size:18px;margin:20px 0 6px}
.lede{font-size:19px;color:var(--muted);margin:0 0 6px}
.muted{color:var(--muted)}
.updated{font-size:14px;color:var(--muted)}
ul,ol{padding-left:22px}
li{margin:4px 0}

/* cards + calculator */
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px;margin:16px 0}
label{display:block;font-weight:700;margin:14px 0 6px}
label:first-child{margin-top:0}
.hint{font-weight:400;color:var(--muted);font-size:14px}
.money{display:flex;align-items:center;border:2px solid var(--line);border-radius:10px;background:var(--bg);overflow:hidden}
.money span{padding:0 10px;color:var(--muted);font-weight:700}
input[type=number]{flex:1;width:100%;min-width:0;border:0;background:transparent;color:var(--ink);font:600 20px Inter,sans-serif;padding:12px 12px 12px 0;outline:none}
.money:focus-within{border-color:var(--blue)}
input[type=range]{width:100%;accent-color:var(--red);margin-top:10px}
.verdict{border-radius:12px;padding:16px;font-weight:700;font-size:18px}
.verdict.good{background:var(--good-bg);color:var(--good)}
.verdict.warn{background:var(--warn-bg);color:var(--warn)}
.verdict small{display:block;font-weight:400;font-size:15px;margin-top:4px;color:var(--ink)}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:14px}
.tier{border:2px solid var(--line);border-radius:12px;padding:14px}
.tier.win{border-color:var(--red)}
.tier h3{margin:0 0 4px;font-size:15px;text-transform:uppercase;letter-spacing:.05em}
.big{font-family:"Archivo Black",sans-serif;font-size:26px;font-variant-numeric:tabular-nums}
.tier .sub{font-size:13px;color:var(--muted)}
.row{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px solid var(--line);font-size:15px}
.row:last-child{border:0}
.row b{font-variant-numeric:tabular-nums;text-align:right}
.bar{height:12px;background:var(--line);border-radius:6px;overflow:hidden;margin:8px 0 4px}
.bar i{display:block;height:100%;width:0;background:var(--red);border-radius:6px;transition:width .2s}

/* home */
.tool{display:block;text-decoration:none;color:inherit}
.tool:hover{border-color:var(--red)}
.tool h2,.tool h3{margin:0 0 6px;color:var(--ink);font-family:"Archivo Black",sans-serif;font-size:20px;line-height:1.2}
.tool p{margin:0 0 8px}
.tool+.tool{margin-top:10px}
.tool .go{color:var(--red);font-weight:700}
.quick{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.quick div{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:12px}
.quick b{display:block;font-family:"Archivo Black",sans-serif;font-size:22px}
.quick span{font-size:14px;color:var(--muted)}

/* tables */
table{width:100%;border-collapse:collapse;font-size:15px;margin:10px 0}
th,td{text-align:left;padding:8px 6px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-weight:700}
td.n{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.tablewrap{overflow-x:auto}

@media (max-width:480px){
  .grid{grid-template-columns:1fr}
  .quick{grid-template-columns:1fr}
}