*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
p{margin:0 0 1.1em}
a{text-underline-offset:3px;text-decoration-thickness:1px}
:focus-visible{outline:2.5px solid var(--focus);outline-offset:3px}
.wrap{width:100%;max-width:var(--max,1120px);margin:0 auto;padding:0 24px}
.narrow{max-width:var(--narrow,760px)}
fieldset{border:0;padding:0;margin:0}
.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;left:-9999px;top:0;background:#fff;color:#000;padding:11px 18px;z-index:100}
.skip:focus{left:12px;top:10px}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse}
.brand{display:flex;align-items:center;flex:0 0 auto}
.brand img{height:26px;width:auto}
.masthead .wrap{display:flex;align-items:center;gap:20px;min-height:68px}
.nav{margin-left:auto;display:flex;align-items:center;gap:26px}
.navtoggle{display:none;margin-left:auto;background:none;border:1px solid currentColor;border-radius:3px;padding:9px 12px;font:inherit;font-size:.85rem;cursor:pointer;color:inherit}
@media (max-width:880px){
  .navtoggle{display:block}
  .nav{position:absolute;top:68px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;padding:6px 24px 18px;margin-left:0;z-index:70}
  .nav[hidden]{display:none}
  .nav a{padding:13px 0;font-size:.98rem}
}
.result[hidden]{display:none}
.opts input{position:absolute;opacity:0;width:0;height:0}
.axis-track{position:relative;height:3px;border-radius:2px;margin:34px 0 30px}
.axis-pin{position:absolute;top:50%;transform:translate(-50%,-50%);display:flex;flex-direction:column;align-items:center}
.axis-pin .dot{width:15px;height:15px;border-radius:50%}
.axis-pin .lbl{position:absolute;white-space:nowrap;font-size:.735rem;letter-spacing:.01em}
.axis-pin.above .lbl{bottom:20px}
.axis-pin.below .lbl{top:20px}
.axis-span{position:absolute;top:50%;height:3px;transform:translateY(-50%);border-radius:2px}
.levers{list-style:none;padding:0;margin:20px 0 0}
.levers li{display:flex;align-items:baseline;gap:14px}
.levers .yr{flex:0 0 66px;font-weight:650;text-align:right}
.levers .txt{flex:1 1 auto}
.levers .txt b{display:block}
.faq summary{cursor:pointer;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
@media (prefers-reduced-motion:reduce){*{animation-duration:.01ms !important;transition-duration:.01ms !important;scroll-behavior:auto !important}}

:root{--paper:#FAFBFC;--surface:#FFFFFF;--ink:#0F2230;--ink-2:#42596B;--ink-3:#71879A;
--line:#E3E8ED;--line-2:#CBD5DE;--blue:#1B91CE;--blue-deep:#10618C;--blue-soft:#E7F4FB;
--warn:#B4671A;--warn-soft:#FBF1E5;--ok:#2E7D5B;--ok-soft:#E8F3EE;--focus:#1B91CE;--max:1160px}
body{background:var(--paper);color:var(--ink);font-family:"Inter Tight",system-ui,sans-serif;
font-size:16.5px;line-height:1.62;font-feature-settings:"tnum" 1}
h1,h2,h3,h4{font-family:"Inter Tight",sans-serif;font-weight:620;letter-spacing:-.018em;margin:0 0 .5em;color:var(--ink)}
h1{font-size:clamp(2rem,1.3rem + 2.7vw,3.05rem);line-height:1.1}
h2{font-size:clamp(1.35rem,1.1rem + 1.1vw,1.85rem);margin-top:2.3em;line-height:1.24}
h3{font-size:1.1rem;margin-top:1.8em}
h4{font-size:.98rem;margin-top:1.5em}
a{color:var(--blue-deep)}
code,.mono,.bignum{font-family:"Roboto Mono",monospace}

.masthead{background:var(--surface);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:60}
.nav a{color:var(--ink-2);font-size:.9rem;text-decoration:none}
.nav a:hover{color:var(--blue-deep)}
.nav a[aria-current=page]{color:var(--ink);box-shadow:inset 0 -2px 0 var(--blue)}
@media(max-width:880px){.nav{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.nav a{border-bottom:1px solid var(--line)}}

.hero{background:var(--surface);border-bottom:1px solid var(--line);padding:52px 0 60px}
.hero h1{max-width:19ch}
.hero-sub{font-family:"Inter Tight",sans-serif;font-size:clamp(1.3rem,1.05rem + 1.1vw,1.8rem);font-weight:620;letter-spacing:-.015em;line-height:1.2;color:var(--ink);max-width:22ch;margin:.35em 0 0}
.hero .lede{font-size:1.08rem;color:var(--ink-2);max-width:54ch;margin-top:16px}
.hero-grid{display:grid;grid-template-columns:0.85fr 1.15fr;gap:52px;align-items:start}
@media(max-width:940px){.hero-grid{grid-template-columns:1fr;gap:34px}}
.kicker{font-family:"Roboto Mono",monospace;font-size:.72rem;color:var(--ink-3);letter-spacing:.06em;margin:0 0 16px}

.calc{background:var(--surface);border:1px solid var(--line-2);border-radius:2px;padding:24px}
.calc h2{margin-top:0;font-size:1.22rem}
.calc-step{border-top:1px solid var(--line);padding:16px 0}
.calc-step:first-of-type{border-top:0;padding-top:2px}
.calc-step>label,.calc-legend{display:block;font-weight:600;font-size:.9rem;margin-bottom:3px}
.calc-hint{font-size:.8rem;color:var(--ink-3);margin:0 0 10px;line-height:1.5}
.opts{display:flex;flex-wrap:wrap;gap:6px}
.opts label{border:1px solid var(--line-2);border-radius:2px;padding:7px 12px;font-size:.855rem;cursor:pointer;background:var(--surface)}
.opts label:hover{border-color:var(--blue)}
.opts label:has(input:checked){background:var(--blue-soft);border-color:var(--blue);color:var(--blue-deep);font-weight:560}
.numrow{display:flex;gap:12px;flex-wrap:wrap}.numrow>div{flex:1 1 130px}
input[type=number]{width:100%;padding:9px 11px;border:1px solid var(--line-2);border-radius:2px;font:inherit;
font-family:"Roboto Mono",monospace;font-size:.9rem;background:var(--surface);color:var(--ink)}
input[type=number]:focus{border-color:var(--blue)}
.btn{display:inline-block;background:var(--blue-deep);color:#fff;border:1px solid var(--blue-deep);padding:11px 20px;
border-radius:2px;font:inherit;font-size:.92rem;font-weight:560;cursor:pointer;text-decoration:none}
.btn:hover{background:#0B4E71;color:#fff}
.btn-ghost{background:transparent;color:var(--blue-deep);border-color:var(--line-2)}
.btn-ghost:hover{background:var(--blue-soft);color:var(--blue-deep)}
.btn-lite{background:#fff;color:var(--ink);border-color:#fff}
.btn-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}

.result{margin-top:24px;border-top:2px solid var(--ink);padding-top:20px}
.bignum{font-size:3.2rem;line-height:1;letter-spacing:-.03em;font-weight:500}
.bignum .unit{font-family:"Inter Tight",sans-serif;font-size:.85rem;color:var(--ink-3);margin-left:8px;letter-spacing:0}
.delta{display:inline-block;padding:4px 10px;border-radius:2px;font-size:.86rem;font-weight:600;margin-top:12px;
font-family:"Roboto Mono",monospace}
.delta.good{background:var(--ok-soft);color:var(--ok)}
.delta.bad{background:var(--warn-soft);color:var(--warn)}
.delta.flat{background:var(--paper);color:var(--ink-3)}
.axis-track{background:var(--line-2)}
.axis-pin .dot{background:var(--surface);border:2.5px solid var(--ink-3)}
.axis-pin .lbl{color:var(--ink-3);font-family:"Roboto Mono",monospace;font-size:.7rem}
.axis-pin.is-bio .dot{background:var(--blue);border-color:var(--blue);box-shadow:0 0 0 5px rgba(27,145,206,.15)}
.axis-pin.is-bio .lbl{color:var(--blue-deep);font-weight:500}
.axis-span{background:var(--blue)}
.axis-span.is-over{background:var(--warn)}
.axis-pin.is-bio.over .dot{background:var(--warn);border-color:var(--warn);box-shadow:0 0 0 5px rgba(180,103,26,.15)}
.axis-pin.is-bio.over .lbl{color:var(--warn)}
.levers li{padding:10px 0;border-bottom:1px solid var(--line)}
.levers li:last-child{border-bottom:0}
.levers .yr{font-family:"Roboto Mono",monospace;font-size:.93rem}
.levers .yr.bad{color:var(--warn)}.levers .yr.good{color:var(--ok)}.levers .yr.flat{color:var(--ink-3)}
.levers .txt{font-size:.89rem;line-height:1.5}
.levers .txt b{font-weight:600}.levers .txt span{color:var(--ink-3)}

.band{padding:58px 0}
.band-surface{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band-ink{background:#0F2230;color:#B6C7D4}
.band-ink h2,.band-ink h3{color:#fff}.band-ink a{color:#7FD0F2}
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.cols>div{background:var(--surface);padding:22px}
.cols h3{margin-top:0}.cols p:last-child{margin-bottom:0}
.cardlist{display:grid;grid-template-columns:repeat(auto-fit,minmax(265px,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.cardlist article{background:var(--surface);padding:22px}
.cardlist h3{margin:0 0 6px;font-size:1.03rem}
.cardlist h3 a{text-decoration:none}.cardlist h3 a:hover{text-decoration:underline}
.cardlist p{font-size:.88rem;color:var(--ink-2);margin:0}
.tl{list-style:none;padding:0;margin:26px 0 0}
.tl li{display:grid;grid-template-columns:80px 1fr;gap:20px;padding:18px 0;border-top:1px solid var(--line)}
.tl .when{font-family:"Roboto Mono",monospace;font-size:.78rem;color:var(--blue-deep);letter-spacing:.04em;padding-top:3px}
.tl h3{margin:0 0 4px}.tl p{margin:0;font-size:.89rem;color:var(--ink-2)}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top;font-size:.875rem}
th{font-weight:620;background:var(--paper);font-size:.8rem;color:var(--ink-2)}
.evidence{border-left:2px solid var(--blue);padding-left:18px;margin:24px 0;color:var(--ink-2)}
.evidence cite{display:block;font-size:.8rem;color:var(--ink-3);font-style:normal;margin-top:7px;font-family:"Roboto Mono",monospace}
.caution{background:var(--warn-soft);border:1px solid #EBD9C2;border-radius:2px;padding:16px 18px;margin:24px 0;font-size:.9rem}
.caution strong{color:var(--warn)}.caution p:last-child{margin-bottom:0}
.article{background:var(--surface)}
.article-head{border-bottom:1px solid var(--line);padding:46px 0 26px}
.article-meta{font-size:.78rem;color:var(--ink-3);margin-top:14px;font-family:"Roboto Mono",monospace}
.article-body{padding:34px 0 56px;max-width:68ch}
.article-body h2:first-child{margin-top:0}
.article-body ul,.article-body ol{padding-left:22px;margin:0 0 1.2em}
.article-body li{margin-bottom:.5em}
.tldr{background:var(--blue-soft);border-radius:2px;padding:18px 20px;margin:0 0 30px}
.tldr h2{margin:0 0 7px;font-size:.78rem;font-family:"Roboto Mono",monospace;letter-spacing:.06em;color:var(--blue-deep);font-weight:500}
.tldr ul,.tldr p:last-child{margin-bottom:0}
.faq{border-top:1px solid var(--line);margin-top:32px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{padding:15px 34px 15px 0;font-weight:560;font-size:.98rem}
.faq summary::after{content:"+";position:absolute;right:6px;top:14px;font-size:1.25rem;color:var(--blue);font-weight:400}
.faq details[open] summary::after{content:"\2212"}
.faq .ans{padding:0 0 15px;color:var(--ink-2);max-width:66ch}
.related{border-top:1px solid var(--line);padding-top:24px;margin-top:42px}
.related h2{margin-top:0;font-size:.78rem;font-family:"Roboto Mono",monospace;letter-spacing:.06em;color:var(--ink-3);font-weight:500}
.related ul{list-style:none;padding:0;margin:0}
.related li{padding:8px 0;border-bottom:1px solid var(--line)}.related li:last-child{border-bottom:0}
.foot{background:#0F2230;color:#8CA2B2;padding:48px 0 30px;font-size:.85rem}
.foot a{color:#B6C7D4}.foot h2{margin-top:0}.foot h2{color:#fff;font-size:.8rem;margin:0 0 10px}
.foot ul{list-style:none;padding:0;margin:0}.foot li{padding:4px 0}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px}
@media(max-width:760px){.foot-grid{grid-template-columns:1fr;gap:26px}}
.foot-legal{border-top:1px solid #23394A;margin-top:32px;padding-top:20px;font-size:.77rem;line-height:1.6;color:#7590A3}
.foot-legal p{margin:0 0 8px;max-width:88ch}
.disclaimer{background:#16303F;border-left:2px solid var(--blue);padding:13px 17px;margin:0 0 18px;font-size:.8rem;line-height:1.6;color:#B6C7D4}
.foot .brand img{filter:brightness(0) invert(1);opacity:.85}