:root{
  --bg:#0e1626; --bg2:#172238; --card:#1e2c44; --line:#2b3a55;
  --txt:#f4ecdf; --dim:#c8b894; --gold:#c89043; --gold-d:#a17131;
  --copper:#8b5a2b; --good:#7bc28b; --bad:#e08a76; --r:14px;
}
*{box-sizing:border-box}
html,body{width:100%;overflow-x:hidden;margin:0;padding:0}
body{background:var(--bg);color:var(--txt);font-family:'IBM Plex Sans',system-ui,Arial,sans-serif;line-height:1.72;font-size:17px}
a{color:var(--gold)}
img{max-width:100%;height:auto}
.skip{position:absolute;left:-999px}
.skip:focus{left:8px;top:8px;background:#fff;color:#000;padding:8px;z-index:99}
main{max-width:980px;margin:0 auto;padding:22px 16px 56px}
h1{font-size:2.05em;line-height:1.18;font-weight:800;margin:.3em 0 .2em;letter-spacing:-.5px}
h2{font-size:1.42em;font-weight:700;margin:1.8em 0 .5em;padding-left:14px;border-left:4px solid var(--copper)}
h3{font-size:1.1em;font-weight:600;margin:1.1em 0 .4em}
p{margin:.72em 0}
ul,ol{margin:.6em 0}
.updated{color:var(--dim);font-size:.83em;margin-top:0}
.summary{background:var(--bg2);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;font-size:1.05em}
/* header (.crest) */
.crest{position:sticky;top:0;z-index:50;background:rgba(14,22,38,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.crest-row{max-width:1280px;margin:0 auto;display:flex;align-items:center;padding:11px 16px;gap:14px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--txt);font-weight:800}
.seal{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:8px;background:linear-gradient(135deg,var(--gold),var(--copper));color:#1a1208;font-weight:800;font-size:.92em;letter-spacing:.5px}
.brand-text{font-size:1.04em}
.topnav{display:flex;align-items:center;gap:20px;margin-left:auto}
.topnav a{color:var(--dim);text-decoration:none;font-size:.95em;font-weight:600}
.topnav a:hover,.topnav a.on{color:var(--txt)}
.btn{display:inline-block;border-radius:8px;font-weight:700;text-decoration:none;cursor:pointer;text-align:center;background:linear-gradient(135deg,var(--gold),var(--gold-d));color:#1a1208;padding:11px 22px;border:0}
.btn:hover{filter:brightness(1.08)}
.btn-nav{padding:9px 18px;font-size:.92em}
.btn-lg{font-size:1.13em;padding:15px 34px}
.beam{text-align:center;margin:28px 0}
.burger{display:none;background:none;border:0;flex-direction:column;gap:5px;cursor:pointer;padding:8px;margin-left:auto}
.burger span{display:block;width:26px;height:3px;background:var(--txt);border-radius:2px;transition:.2s}
.burger[aria-expanded=true] span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.burger[aria-expanded=true] span:nth-child(2){opacity:0}
.burger[aria-expanded=true] span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
/* breadcrumbs */
.crumbs{font-size:.83em;color:var(--dim);margin:4px 0 12px}
.crumbs a{color:var(--dim);text-decoration:none}
.crumbs a:hover{color:var(--txt)}
.crumbs span{opacity:.45}
.crumbs.home{display:none}
/* dossier (scorecard) */
.dossier{background:var(--bg2);border:1px solid var(--line);border-radius:18px;padding:22px;margin:26px 0}
.dossier>h2{margin-top:0;border-left:0;padding-left:0}
.score-rows{margin:14px 0 6px}
.score{display:flex;align-items:center;gap:12px;margin:9px 0}
.sk{flex:0 0 160px;font-size:.9em;color:var(--dim)}
.meter{flex:1;height:9px;background:var(--card);border-radius:6px;overflow:hidden}
.meter i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--copper),var(--gold));transition:width 1.1s ease-out .15s}
.meter i.animate{width:var(--w)}
.sv{flex:0 0 34px;text-align:right;font-weight:800;color:var(--gold)}
.ledger-cols{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:18px}
.ledger-col{background:var(--card);border:1px solid var(--line);border-radius:13px;padding:15px}
.ledger-col.plus h3{color:var(--good);margin-top:0}
.ledger-col.minus h3{color:var(--bad);margin-top:0}
.ledger-col ul{margin:0;padding-left:18px}
.ledger-col li{margin:.35em 0}
/* tables */
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:18px 0;border:1px solid var(--line);border-radius:13px}
table{border-collapse:collapse;width:100%;min-width:440px}
th,td{padding:12px 15px;text-align:left;border-bottom:1px solid var(--line)}
th{background:var(--card);font-weight:700}
tbody tr:last-child td{border-bottom:0}
/* timeline (steps) */
.timeline{counter-reset:s;list-style:none;padding:0;margin:16px 0}
.timeline li{position:relative;padding:11px 14px 11px 50px;background:var(--bg2);border:1px solid var(--line);border-radius:12px;margin:9px 0}
.timeline li::before{counter-increment:s;content:counter(s);position:absolute;left:11px;top:50%;transform:translateY(-50%);width:28px;height:28px;border-radius:50%;background:var(--copper);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.85em}
/* figcell (figure) */
.figcell{margin:22px 0;text-align:center}
.figcell img{width:90%;border-radius:14px;box-shadow:0 10px 34px rgba(0,0,0,.5)}
.figcell figcaption{color:var(--dim);font-size:.85em;margin-top:8px}
/* bulletin (faq) */
.bulletin{margin:32px 0}
.qa{background:var(--bg2);border:1px solid var(--line);border-radius:12px;margin:10px 0;overflow:hidden}
.qa summary{cursor:pointer;padding:15px 16px;font-weight:700;list-style:none;min-height:44px;display:flex;align-items:center}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:"+";margin-left:auto;color:var(--gold);font-size:1.4em}
.qa[open] summary::after{content:"–"}
.qa-body{padding:0 16px 15px;color:var(--dim)}
/* calculator */
.calc{background:var(--bg2);border:1px solid var(--line);border-radius:18px;padding:20px;margin:26px 0}
.calc-row{display:flex;align-items:center;gap:14px;margin:10px 0;flex-wrap:wrap}
.calc-row label{flex:0 0 160px;color:var(--dim)}
.calc-row input[type=number]{flex:1;min-width:80px;padding:9px 12px;border-radius:8px;border:1px solid var(--line);background:var(--card);color:var(--txt);font-size:1em}
.calc-row input[type=range]{flex:1;min-width:120px}
.calc-row.out{padding:10px 14px;background:var(--card);border-radius:8px}
.calc-row.out .calc-label{flex:0 0 160px;color:var(--dim)}
.calc-row.out span:last-child{font-weight:800;color:var(--gold)}
/* back-to-top */
.to-top{position:fixed;right:20px;bottom:20px;width:44px;height:44px;border-radius:50%;border:0;background:var(--gold);color:#1a1208;font-size:1.3em;font-weight:800;cursor:pointer;box-shadow:0 6px 16px rgba(0,0,0,.4);opacity:0;transition:opacity .2s;z-index:60}
.to-top[hidden]{display:none}
.to-top.show{opacity:1}
/* footer */
.ledger-foot{background:var(--bg2);border-top:1px solid var(--line);margin-top:44px}
.foot-grid{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1.5fr 1fr 1fr 1.4fr;gap:24px;padding:32px 16px}
.foot-name{font-weight:800;font-size:1.12em;margin-bottom:8px}
.ledger-foot h3{font-size:.95em;margin:0 0 10px}
.ledger-foot ul{list-style:none;padding:0;margin:0}
.ledger-foot li{margin:.3em 0}
.ledger-foot a{color:var(--dim);text-decoration:none}
.ledger-foot a:hover{color:var(--txt)}
.muted{color:var(--dim);font-size:.85em}
.age{display:inline-block;border:2px solid var(--bad);color:var(--bad);border-radius:8px;padding:2px 9px;font-weight:800;margin-top:8px}
.foot-legal{max-width:1280px;margin:0 auto;padding:16px;border-top:1px solid var(--line);color:var(--dim);font-size:.8em}
@media(max-width:860px){
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:720px){
  body{font-size:16px}
  h1{font-size:1.5em}h2{font-size:1.25em}h3{font-size:1.08em}
  main{padding:14px 12px 40px}
  .burger{display:flex}
  .topnav{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;background:var(--bg2);border-bottom:1px solid var(--line);padding:8px 12px 14px;margin-left:0}
  .topnav.open{display:flex}
  .topnav a{padding:12px 6px;border-bottom:1px solid var(--line)}
  .btn-nav{margin-top:10px;border-bottom:0!important}
  .ledger-cols{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .sk{flex-basis:110px}
  .figcell img{width:100%}
  .calc-row label{flex-basis:120px}
}