:root{color-scheme:light dark;--paper:#F2F3EE;--ink:#0E1F18;--muted:#515E56;--line:#A9B2A8;--control:#718173;--panel:#E8EBE3;--gold:#6B5208;--accent:#F1C232;--sage:#8FC7A6;--rust:#A13D1C}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit;text-underline-offset:5px;text-decoration-thickness:1px}a:hover{color:var(--gold)}button,input,select,textarea{font:inherit}button,a,input,select,textarea{-webkit-tap-highlight-color:transparent}:focus-visible{outline:3px solid var(--gold);outline-offset:4px}h1,h2,h3,p{margin:0 0 18px}h1,h2,h3{line-height:1.12;letter-spacing:-.04em}h1{font-size:clamp(36px,4.1vw,58px);font-weight:730}h2{font-size:clamp(27px,2.8vw,34px)}h3{font-size:22px;letter-spacing:-.025em}p{max-width:70ch}.wrap{width:min(1120px,calc(100% - 32px));margin:auto}.skip{position:absolute;top:-80px;left:16px;padding:10px;background:var(--paper);z-index:5}.skip:focus{top:10px}.header{min-height:90px;display:flex;align-items:center;justify-content:space-between;gap:24px;border-bottom:1px solid var(--line)}.brand{display:flex;align-items:center;gap:14px;text-decoration:none;line-height:1.2}.brand img{width:34px;height:40px}.brand strong{font-size:20px;letter-spacing:-.025em}.brand small{display:block;font-size:10px;letter-spacing:.22em;margin-top:5px;color:var(--muted)}nav{display:flex;gap:30px;font-size:14px}nav a{text-decoration:none;padding:10px 0}nav a[aria-current=page]{border-bottom:2px solid var(--gold)}.hero{display:grid;grid-template-columns:1.12fr 1fr;gap:40px;padding:40px 0 36px;align-items:center}.eyebrow{color:var(--gold);font-size:11px;font-weight:750;letter-spacing:.17em;margin-bottom:16px}.intro{font-size:19px;line-height:1.6;color:var(--muted)}.actions{display:flex;align-items:center;flex-wrap:wrap;gap:25px;margin-top:28px}.button,button{display:inline-flex;justify-content:center;align-items:center;gap:18px;padding:11px 19px;min-height:46px;border:1px solid var(--ink);border-radius:5px;background:transparent;color:var(--ink);font-weight:650;text-decoration:none;cursor:pointer}.button:hover,button:hover{background:var(--panel);color:var(--ink)}.text-link{font-size:14px;text-decoration-color:var(--gold)}.diagram{background:#0E1F18;color:#F2F3EE;padding:30px 34px;border-radius:10px}.diagram .eyebrow{color:#F1C232}.diagram-top{display:flex;justify-content:space-between;gap:15px;line-height:1.4}.diagram-top strong{display:block;font-size:43px;line-height:1.25;letter-spacing:-.04em}.diagram-top .share{text-align:right;color:#8FC7A6}.diagram-top small{font-size:14px}.bar{height:12px;background:#365345;border-radius:20px;margin:22px 0 12px;overflow:hidden}.bar span{display:block;width:45%;height:100%;background:#8FC7A6;border-radius:20px}.diagram-limit{margin-left:42%;line-height:1.3}.diagram-limit strong{display:block;color:#F1C232;font-size:49px;letter-spacing:-.04em}.diagram-note{font-size:14px;color:#9DCCAF;margin:24px 0 0}.section{border-top:1px solid var(--line);padding:30px 0 40px}.section-head{display:flex;align-items:baseline;justify-content:space-between;gap:24px}.section-head p{font-size:13px;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:8px;padding:22px;min-width:0}.number{color:var(--gold);font-size:14px;font-weight:700;display:block;margin-bottom:14px}.card h3{font-size:20px;min-height:45px}.card dl{font-size:14px;margin:0}.card dt{font-weight:700;margin-top:12px}.card dd{margin:2px 0;color:var(--muted)}.shape{height:35px;display:flex;gap:5px;align-items:end;margin-top:22px}.shape i{display:block;width:27px;height:27px;background:var(--ink)}.shape i:first-child{background:var(--sage);border-radius:50% 50% 0 0}.shape i:last-child{background:var(--accent);border-radius:50%}.shape.bars i:nth-child(2){height:33px}.shape.bars i:last-child{height:40px;border-radius:0}.shape.pie{width:44px;height:44px;border-radius:50%;background:conic-gradient(var(--accent) 0 25%,var(--sage) 25% 40%,var(--ink) 40%)}.section-tail{font-size:14px;margin:22px 0 0}.split{display:grid;grid-template-columns:1fr 1fr;gap:50px}.calculator{background:var(--panel);border:1px solid var(--line);border-radius:10px;padding:28px}.field{margin-bottom:17px}label,legend{display:block;font-size:14px;font-weight:650;margin-bottom:6px}input,select,textarea{width:100%;max-width:100%;min-height:46px;border:1px solid var(--control);border-radius:4px;padding:10px 12px;background:var(--paper);color:var(--ink)}textarea{resize:vertical;min-height:140px}input[aria-invalid=true],textarea[aria-invalid=true]{border-color:var(--rust)}fieldset{padding:0;margin:0 0 18px;border:0;min-width:0}.quick{display:flex;gap:8px;margin-top:9px}.quick button{font-size:13px;padding:5px 15px;min-height:36px;border-color:var(--control)}.quick button[aria-pressed=true]{background:var(--ink);color:var(--paper);border-color:var(--ink)}.input-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.result{display:block;border-top:1px solid var(--line);padding-top:18px;margin-top:20px}.result[hidden]{display:none}.result span{display:block;font-size:13px;color:var(--muted)}.result strong{display:block;font-size:37px;letter-spacing:-.04em;line-height:1.35}.result .after{font-size:23px;color:var(--rust)}.caption{font-size:12px;color:var(--muted);margin:18px 0 0}.error{color:var(--rust);font-size:14px}.risk-list{padding-left:20px}.risk-list li{padding:0 0 12px 7px}.risk-list li::marker{color:var(--rust)}.sources{font-size:14px;color:var(--muted)}.vest{background:var(--panel);padding:26px;border-radius:8px}.vest h2{font-size:29px}.vest .button{margin:4px 0 16px}.note{font-weight:650;font-size:14px}.faq{max-width:820px}details{border-bottom:1px solid var(--line);padding:19px 0}summary{font-size:18px;font-weight:650;cursor:pointer;line-height:1.45}details p{margin:14px 0 0;color:var(--muted)}.contact-copy p{color:var(--muted)}.lead{max-width:560px}.lead-status{font-size:14px;margin:15px 0}.lead-status.err{color:var(--rust)}.hp{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}.legal-links{font-size:13px;margin-top:15px;color:var(--muted)}footer{border-top:1px solid var(--line);padding:28px 0 35px;font-size:12px;color:var(--muted)}footer p{max-width:none;margin-bottom:12px}.footer-links{display:flex;gap:12px 22px;flex-wrap:wrap}.article{max-width:800px;padding:48px 0 60px}.article h1{font-size:clamp(36px,4vw,52px)}.article h2{font-size:28px;margin-top:36px}.article h3{font-size:21px;margin-top:25px}.article .cards{grid-template-columns:1fr}.article .card h3{min-height:0;margin-top:0}.article .intro{font-size:20px}.crumb{font-size:13px;color:var(--muted);margin-bottom:28px}.noscript{margin-top:15px}.muted{color:var(--muted)}@media(prefers-color-scheme:dark){:root{--paper:#0E1F18;--ink:#F2F3EE;--muted:#B8C7BC;--line:#607367;--control:#8B9E90;--panel:#192D23;--gold:#F1C232;--rust:#F09A78}.diagram{border:1px solid var(--line)}.shape i{background:#8FC7A6}.shape.pie{background:conic-gradient(var(--accent) 0 25%,var(--sage) 25% 40%,#526D5D 40%)}}@media(max-width:700px){.header{flex-wrap:wrap;gap:12px;padding:20px 0 12px}.brand strong{font-size:18px}.brand img{width:30px;height:35px}.brand small{font-size:9px}nav{width:100%;justify-content:space-around;gap:20px}.hero{grid-template-columns:1fr;padding:28px 0;gap:25px}.eyebrow{font-size:10px;letter-spacing:.14em}h1{font-size:36px;overflow-wrap:normal;hyphens:manual}.intro{font-size:16px}.actions{margin-top:22px;gap:17px}.hero .text-link{display:none}.diagram{padding:23px 22px}.diagram-top strong{font-size:34px}.diagram-top small{font-size:12px}.diagram-limit{margin-left:0}.diagram-limit strong{font-size:40px}.diagram-note{font-size:12px;margin-top:18px}.cards,.split{grid-template-columns:1fr;gap:20px}.section{padding:28px 0}.section-head{display:block}.section-head p{margin-top:-5px}.card h3{min-height:0}.card{padding:22px}.calculator{padding:20px}.section-head h2{max-width:340px}.article{padding-top:30px}.input-row{gap:12px}.contact-copy{margin-bottom:4px}.result strong{font-size:32px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
/* refine pass 1 (2026-10-18, live vs concept): wider page, two-line headline, card glyphs, compact phone nav */
.wrap{width:min(1300px,calc(100% - 32px))}h1{font-weight:700}.card .glyph{display:block;width:84px;height:32px;margin:0 0 16px}
@media(prefers-color-scheme:dark){.card .glyph rect[fill="#0E1F18"],.card .glyph circle[fill="#0E1F18"],.card .glyph path[fill="#0E1F18"]{fill:#F2F3EE}}
@media(min-width:1101px){.hero h1,h1{font-size:clamp(44px,4.2vw,62px)}}
@media(max-width:700px){nav{justify-content:center;gap:34px;font-size:13px}nav a{padding:6px 0}h1{font-size:34px;font-weight:700}}
/* refine pass 2: card glyphs at the concept's size */
.card .glyph{width:120px;height:46px}