/* Atkinson Hyperlegible by the Braille Institute, SIL Open Font License 1.1 (self-hosted, no third-party requests) */
@font-face{font-family:'Atkinson Hyperlegible';font-style:normal;font-weight:400;font-display:swap;src:url(/fonts/atkinson-400.woff2) format('woff2')}
@font-face{font-family:'Atkinson Hyperlegible';font-style:normal;font-weight:700;font-display:swap;src:url(/fonts/atkinson-700.woff2) format('woff2')}
:root{
  --bg:#F4F7FB;--card:#FFFFFF;--ink:#14213D;--muted:#46536B;
  --navy:#0F2A52;--brand:#1B57B8;--brand-dark:#12428F;--gold:#FFC857;
  --line:#D5DDE8;--soft:#EAF1FC;--field:#6B7C96;
  --good:#0A4F2F;--good-bg:#DDF3E6;--warn:#8A3B00;--warn-bg:#FFE9CC;
}
*{box-sizing:border-box}
[hidden]{display:none !important}
html{font-size:18px;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);
  font-family:'Atkinson Hyperlegible',Verdana,Arial,sans-serif;line-height:1.55}
a{color:var(--brand)}
input,button,textarea{font-family:inherit}
input:focus-visible,button:focus-visible,a:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--brand);outline-offset:2px}
input:focus,textarea:focus{border-color:var(--brand) !important;box-shadow:0 0 0 4px rgba(27,87,184,.22)}
.site-header a:focus-visible{outline-color:#fff}
input::placeholder,textarea::placeholder{color:#8793A8;opacity:1;font-weight:400}
.skip{position:absolute;left:-999px;top:0}
.skip:focus{left:8px;top:8px;background:#fff;color:var(--ink);padding:10px 14px;z-index:10;border-radius:10px}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}

/* header */
.site-header{background:var(--navy);color:#fff}
.bar{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px 32px;padding:18px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;font-size:24px;font-weight:700;color:#fff}
.brand svg{width:40px;height:40px;flex:none}
.site-header nav{display:flex;flex-wrap:wrap;gap:8px 28px;font-size:19px;font-weight:700}
.site-header nav a{color:#fff;text-decoration:none;padding:10px 0}
.site-header nav a:hover{text-decoration:underline;text-underline-offset:6px}
.site-header nav a[aria-current]{text-decoration:underline;text-underline-offset:6px;text-decoration-thickness:3px}
.hero{padding:36px 0 72px;display:flex;flex-direction:column;gap:14px;max-width:820px}
.hero .eyebrow{font-size:18px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold)}
.hero h1{margin:0;font-size:clamp(36px,5.2vw,56px);line-height:1.08}
.hero p{margin:0;font-size:clamp(20px,2.4vw,24px);line-height:1.45;color:#E3ECFA}

main{max-width:1200px;width:100%;margin:0 auto;padding:24px 24px 72px}
main.home{margin-top:-40px;padding-top:0}
main.narrow{max-width:900px}
h1,h2,h3{line-height:1.25}
.card{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:28px;margin-bottom:24px;
  box-shadow:0 2px 0 rgba(15,42,82,.04)}
.card>:last-child{margin-bottom:0}
h2{margin:0 0 14px;font-size:28px}

/* calculator layout */
.layout{display:flex;flex-wrap:wrap;gap:24px;align-items:flex-start;margin-bottom:24px}
.steps{flex:1 1 560px;min-width:0;display:flex;flex-direction:column;gap:24px}
.steps .card{margin:0;display:flex;flex-direction:column;gap:22px}
.step-h{display:flex;align-items:center;gap:14px}
.step-h h2{margin:0;font-size:28px;line-height:1.2}
.num{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:700;flex:none}
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(210px,100%),1fr));gap:22px 20px;align-items:end}
.fgrid.w280{grid-template-columns:repeat(auto-fit,minmax(min(280px,100%),1fr))}
.f{display:flex;flex-direction:column;gap:6px}
.f label{font-size:21px;font-weight:700;margin:0;display:block}
.f .hint{font-size:18px;color:var(--muted)}
.stepper{display:flex;gap:8px;align-items:center;margin-top:4px}
.sbtn{width:52px;height:60px;flex:none;border:2px solid var(--brand);background:#fff;color:var(--brand);border-radius:12px;font-size:30px;font-weight:700;cursor:pointer;line-height:1;margin:0;padding:0}
.sbtn:hover{background:#E4EEFC}
.iw{position:relative;margin-top:4px}
input.big{width:100%;min-width:0;height:60px;font-size:26px;font-weight:700;color:var(--ink);background:#fff;
  border:2px solid var(--field);border-radius:12px;padding:0 16px}
input.big.ctr{flex:1;text-align:center;padding:0 6px}
.iw input.big.m{padding-left:40px}
.iw input.big.p{padding-right:44px}
.iw .pre,.iw .suf{position:absolute;top:0;height:60px;display:flex;align-items:center;font-size:24px;font-weight:700;color:var(--muted);pointer-events:none}
.iw .pre{left:18px}.iw .suf{right:18px}
.steps .card.adv{padding:20px 28px;gap:20px}
.togglebtn{display:flex;align-items:center;gap:14px;width:100%;min-height:64px;background:transparent;border:0;border-radius:12px;padding:4px 0;margin:0;cursor:pointer;text-align:left;color:var(--ink);font-size:inherit}
.togglebtn:hover{background:#EEF3FA}
.togglebtn .t{flex:1;display:flex;flex-direction:column;gap:2px}
.togglebtn .t b{font-size:28px;line-height:1.2}
.togglebtn .t b small{font-size:20px;font-weight:400;color:var(--muted)}
.togglebtn .t span{font-size:18px;color:var(--muted)}
.togglebtn .chg{font-size:19px;font-weight:700;color:var(--brand);display:flex;align-items:center;gap:8px;flex:none}
.togglebtn svg{transition:transform .15s}
.togglebtn[aria-expanded="true"] svg{transform:rotate(180deg)}
.cta{align-items:center;justify-content:center;min-height:64px;background:var(--brand);color:#fff;border-radius:14px;font-size:22px;font-weight:700;text-decoration:none}
.cta:hover{background:var(--brand-dark)}
.only-narrow{display:none}

/* result panel */
.result{flex:1 1 380px;min-width:0;max-width:100%;background:#fff;border:2px solid var(--navy);border-radius:20px;overflow:hidden}
.r-head{padding:22px 28px;display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:4px 16px;border-bottom:1px solid var(--line)}
.r-head h2{margin:0;line-height:1.2}
.r-head span{font-size:18px;color:var(--muted)}
.r-msg{padding:28px;display:flex;flex-direction:column;gap:10px}
.r-msg .r-title{font-size:24px;font-weight:700}
.r-msg .r-title.warn{color:var(--warn)}
.r-msg p{margin:0;font-size:20px;line-height:1.5}
.banner{padding:22px 28px;display:flex;align-items:center;gap:16px}
.banner.good{background:var(--good-bg);color:var(--good)}
.banner.short{background:var(--warn-bg);color:#6E2F00}
.banner svg{flex:none}
.banner .bt{display:flex;flex-direction:column;gap:2px}
.banner .b1{font-size:30px;font-weight:700;line-height:1.15}
.banner .b2{font-size:19px;line-height:1.35}
.r-body{padding:28px;display:flex;flex-direction:column;gap:24px}
.r-k{font-size:19px;color:var(--muted)}
.r-total{display:flex;flex-wrap:wrap;align-items:baseline;gap:4px 10px}
.r-total .v{font-size:clamp(44px,6vw,60px);font-weight:700;line-height:1.05;letter-spacing:-.01em}
.r-total .u{font-size:22px;color:var(--muted)}
.r-sub{font-size:18px;color:var(--muted)}
.goalrow{display:flex;justify-content:space-between;gap:12px;font-size:20px}
.bar-bg{height:18px;background:#E1E8F2;border-radius:9px;overflow:hidden;margin-top:10px}
.bar-fg{height:100%;border-radius:9px;background:var(--good)}
.bar-fg.short{background:var(--warn)}
dl.rows{margin:0;display:flex;flex-direction:column;border-top:1px solid var(--line)}
dl.rows>div{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:14px 0;border-bottom:1px solid var(--line)}
dl.rows dt{font-size:20px}
dl.rows dd{margin:0;font-size:24px;font-weight:700;text-align:right}
dd.warn{color:var(--warn)}dd.good{color:var(--good)}
.gapbox{background:var(--soft);border-radius:14px;padding:18px 20px;display:flex;flex-direction:column;gap:4px}
.gapbox .g1{font-size:19px}
.gapbox .g2{font-size:32px;font-weight:700;color:var(--brand-dark);line-height:1.15}
.gapbox .g2 small{font-size:20px;font-weight:400;color:var(--ink)}
.gapbox .g3{font-size:19px;margin-top:6px}
.r-note{margin:0;font-size:17px;line-height:1.5;color:var(--muted)}

/* detail sections under the calculator */
.sec-title{margin:0 0 6px;font-size:28px}
.sec-note{margin:0 0 14px;font-size:18px;color:var(--muted)}
.scen{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.scen .box{border:2px solid var(--line);border-radius:16px;padding:16px 18px;background:#fff}
.scen .box.mid{border-color:var(--navy)}
.scen .t{font-weight:700;font-size:20px}
.scen .r{font-size:17px;color:var(--muted)}
.scen .v{font-size:28px;font-weight:700;color:var(--brand-dark);margin:6px 0 2px}
.scen .p{font-weight:700;font-size:18px}
.p.good,.good-t{color:var(--good)}
.p.bad,.bad-t{color:var(--warn)}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;font-size:18px}
th,td{padding:12px 14px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
th:first-child,td:first-child{text-align:left}
th{background:var(--soft);font-size:16px;color:var(--muted)}
tr.sel td{background:#FFF4D6;font-weight:700}
canvas{width:100%;height:340px;display:block;margin-top:6px}
.legend{font-size:17px;color:var(--muted);margin-top:8px}
.advice{margin:6px 0 0;padding-left:22px;font-size:20px}
.advice li{margin-bottom:8px}
button.ghost,.btn.ghost{margin-top:18px;width:100%;min-height:56px;font-size:20px;font-weight:700;padding:12px;border-radius:14px;
  background:#fff;color:var(--brand);border:2px solid var(--brand);cursor:pointer;display:block;text-align:center;text-decoration:none}
button.ghost:hover{background:var(--soft)}
.ad{min-height:100px;border:1px dashed #b9c4d3;border-radius:10px;display:flex;align-items:center;
  justify-content:center;color:#8a96a8;font-size:.85rem;margin-bottom:20px;background:#fafbfd}
.ad{display:none} /* hidden until AdSense is approved: remove this line to show the ad slots */

/* FAQ, notes */
details{border-top:1px solid var(--line);padding:14px 0}
details:first-of-type{border-top:0}
summary{cursor:pointer;font-weight:700;font-size:21px}
details p{margin:8px 0 0;color:#2d3948;font-size:19px}
.note{font-size:17px;color:var(--muted)}

/* guides + articles + pages */
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.gcard{display:block;text-decoration:none;color:var(--ink);background:#fff;border:1px solid var(--line);
  border-radius:16px;padding:20px;box-shadow:0 2px 0 rgba(15,42,82,.04)}
.gcard:hover{border-color:var(--brand)}
.gcard h3{margin:0 0 6px;font-size:21px;color:var(--brand-dark)}
.gcard p{margin:0;font-size:18px;color:var(--muted)}
.crumbs{font-size:17px;color:var(--muted);margin-bottom:10px}
.crumbs a{color:var(--muted)}
.prose h1{font-size:clamp(30px,4vw,40px);margin:0 0 8px}
.prose h2{font-size:28px;margin:32px 0 10px}
.prose h3{font-size:22px;margin:22px 0 8px}
.prose p,.prose li{font-size:20px}
.prose ul,.prose ol{padding-left:24px}
.prose li{margin-bottom:8px}
.meta{font-size:17px;color:var(--muted);margin:0 0 18px}
.callout{background:var(--soft);border-left:6px solid var(--brand);border-radius:10px;padding:16px 20px;margin:20px 0}
.callout strong:first-child{display:block;margin-bottom:4px}
.cta-box{background:#FFF4D6;border:1px solid #F1DFA0;border-radius:16px;padding:20px 22px;margin:28px 0}
.btn{display:flex;align-items:center;justify-content:center;min-height:64px;width:100%;background:var(--brand);color:#fff;border-radius:14px;
  font-size:22px;font-weight:700;text-decoration:none;border:0;cursor:pointer;margin-top:14px;padding:12px}
.btn:hover{background:var(--brand-dark)}
.related{margin-top:30px}
.related ul{padding-left:22px}

/* contact form */
form label{display:block;font-weight:700;font-size:21px;margin:16px 0 6px}
form input[type=text],form input[type=email],form textarea{width:100%;font-size:22px;padding:14px 16px;border:2px solid var(--field);border-radius:12px;background:#fff;color:var(--ink)}
form textarea{min-height:170px;resize:vertical}
form button[type=submit]{margin-top:22px;width:100%;min-height:64px;font-size:22px;font-weight:700;border:0;border-radius:14px;background:var(--brand);color:#fff;cursor:pointer}
form button[type=submit]:hover{background:var(--brand-dark)}
.mail{display:inline-block;background:var(--soft);border-radius:10px;padding:10px 16px;font-weight:700;font-size:1.1rem}

footer{background:#fff;border-top:1px solid var(--line);color:var(--muted);font-size:17px}
footer .wrap{padding-top:28px;padding-bottom:36px;text-align:center}
footer a{color:var(--brand);margin:0 10px;white-space:nowrap}
footer .links{line-height:2.1}
footer p{margin:8px 0 0}

@media (max-width:900px){
  .only-narrow{display:flex}
}
@media (min-width:901px){
  .result{position:sticky;top:16px}
}
@media (max-width:640px){
  html{font-size:17px}
  .wrap,main{padding-left:16px;padding-right:16px}
  .card{padding:22px 18px}
  .steps .card.adv{padding:16px 18px}
  .scen,.cards{grid-template-columns:1fr}
  .r-head,.r-msg,.banner,.r-body{padding-left:20px;padding-right:20px}
  dl.rows dt{font-size:18px}
  dl.rows dd{font-size:22px}
}
@media print{
  .site-header nav,.ad,button,footer,.faq,.skip,.guides-block,.cta-box,.cta,.steps,.togglebtn{display:none !important}
  body{background:#fff}.card,.result{box-shadow:none}
  .result{position:static}
}
.bar-fg.mid{background:#B7791F}
.chance{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:14px 18px;border-radius:14px;font-size:20px}
.chance strong{font-size:28px;white-space:nowrap}
.chance.good{background:var(--good-bg);color:var(--good)}
.chance.ok{background:#FFF4D6;color:#6B4A00}
.chance.warn{background:var(--warn-bg);color:#6E2F00}
.mc-pct{font-size:clamp(48px,7vw,72px);font-weight:700;line-height:1.05;margin:6px 0 12px}
.mc-pct.good{color:var(--good)}.mc-pct.ok{color:#6B4A00}.mc-pct.warn{color:var(--warn)}