/* PHVLondon. Navy and amber, calm and confident. Self-hosted fonts (OFL), no external requests.
   Mobile first, light and dark (system preference plus manual toggle), reduced-motion aware. */

/* ---------- fonts (Latin subsets, see assets/fonts/OFL-*.txt) ---------- */
@font-face{font-family:"Public Sans";src:url(/assets/fonts/public-sans-var.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
@font-face{font-family:"Public Sans";src:url(/assets/fonts/public-sans-var-italic.woff2) format("woff2");font-weight:100 900;font-style:italic;font-display:swap}
@font-face{font-family:"Bricolage Grotesque";src:url(/assets/fonts/bricolage-700.woff2) format("woff2");font-weight:700;font-style:normal;font-display:swap}
/* metric-matched fallbacks keep layout still while the web fonts load */
@font-face{font-family:"Public Sans Fallback";src:local("Arial");size-adjust:101.5%;ascent-override:93.6%;descent-override:22.2%;line-gap-override:0%}
@font-face{font-family:"Bricolage Fallback";src:local("Arial Bold"),local("Arial");font-weight:700;size-adjust:101.5%;ascent-override:91.6%;descent-override:26.6%;line-gap-override:0%}

/* ---------- tokens ---------- */
:root{
  --bg:#f7f5f0; --bg-2:#efebe2; --surface:#ffffff; --surface-2:#faf8f4;
  --ink:#121a2d; --ink-2:#2a3349; --muted:#5b6476; --line:#e6e1d6; --line-2:#d6d0c2;
  --navy:#10224a; --navy-2:#1a3166; --amber:#f2b33d; --amber-deep:#8a5900; --amber-soft:#fcf1d9;
  --link:#1c46b0; --link-soft:#eaf0fd;
  --btn:#10224a; --btn-ink:#ffffff; --btn-hover:#1a3166;
  --ok:#17784a; --okbg:#e8f4ed; --bad:#b3261e; --badbg:#fbecea;
  --focus:#1c46b0;
  --r:14px; --r-lg:22px; --r-xl:28px;
  --sh-1:0 1px 2px rgba(18,26,45,.05);
  --sh-2:0 1px 2px rgba(18,26,45,.04),0 14px 34px -16px rgba(18,26,45,.18);
  --sans:"Public Sans","Public Sans Fallback",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --display:"Bricolage Grotesque","Bricolage Fallback","Public Sans",system-ui,sans-serif;
  --ease:cubic-bezier(.2,.7,.2,1);
  color-scheme:light;
}
:root[data-theme=dark]{
  --bg:#0a1120; --bg-2:#0d1628; --surface:#111b30; --surface-2:#0f182b;
  --ink:#eef1f7; --ink-2:#cfd6e4; --muted:#9fa9be; --line:#1f2b45; --line-2:#2b3a5c;
  --navy:#0f1d3d; --navy-2:#16295a; --amber-deep:#f2b33d; --amber-soft:rgba(242,179,61,.12);
  --link:#a4bdff; --link-soft:rgba(164,189,255,.1);
  --btn:#f2b33d; --btn-ink:#10224a; --btn-hover:#f6c35f;
  --ok:#5bd19b; --okbg:rgba(91,209,155,.11); --bad:#ff8f86; --badbg:rgba(255,143,134,.11);
  --focus:#f2b33d; --sh-1:none; --sh-2:0 18px 40px -20px rgba(0,0,0,.6); color-scheme:dark;
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme=light]){
    --bg:#0a1120; --bg-2:#0d1628; --surface:#111b30; --surface-2:#0f182b;
    --ink:#eef1f7; --ink-2:#cfd6e4; --muted:#9fa9be; --line:#1f2b45; --line-2:#2b3a5c;
    --navy:#0f1d3d; --navy-2:#16295a; --amber-deep:#f2b33d; --amber-soft:rgba(242,179,61,.12);
    --link:#a4bdff; --link-soft:rgba(164,189,255,.1);
    --btn:#f2b33d; --btn-ink:#10224a; --btn-hover:#f6c35f;
    --ok:#5bd19b; --okbg:rgba(91,209,155,.11); --bad:#ff8f86; --badbg:rgba(255,143,134,.11);
    --focus:#f2b33d; --sh-1:none; --sh-2:0 18px 40px -20px rgba(0,0,0,.6); color-scheme:dark;
  }
}

/* ---------- base ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:88px}
@media (prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:1.0625rem;line-height:1.65;font-feature-settings:"kern";-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
a{color:var(--link);text-underline-offset:.18em;text-decoration-thickness:1px}
a:hover{text-decoration-thickness:2px}
img,svg{max-width:100%}
::selection{background:var(--amber);color:#10224a}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
main{padding:12px 0 72px;min-height:60vh}
main p,main li,main dd{max-width:70ch}
main .tile p,main .card p,main td p,main .hero p,main .qcard p,main .panel p{max-width:none}
h1,h2,h3,.h3,.h4{font-family:var(--display);font-weight:700;color:var(--ink);text-wrap:balance}
h1{font-size:clamp(2.05rem,1.4rem + 3.2vw,3.35rem);line-height:1.06;letter-spacing:-.03em;margin:.2em 0 .35em}
h2{font-size:clamp(1.45rem,1.15rem + 1.3vw,1.95rem);line-height:1.15;letter-spacing:-.022em;margin:2.2em 0 .55em}
h3,.h3{font-size:1.22rem;line-height:1.25;letter-spacing:-.012em;margin:1.6em 0 .4em}
.h4{font-size:1.05rem;margin:1.4em 0 .4em}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em}
li{margin:.3em 0}
li::marker{color:var(--muted)}
strong,b{font-weight:650}
hr{border:0;border-top:1px solid var(--line);margin:2.5em 0}
.lead{font-size:clamp(1.08rem,1rem + .35vw,1.22rem);line-height:1.6;color:var(--ink-2);max-width:60ch}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--amber-deep);margin:0 0 .9em}
.eyebrow::before{content:"";width:18px;height:2px;border-radius:2px;background:var(--amber)}
.eyebrow-sm{font-size:.76rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin:0 0 .5em}
.muted{color:var(--muted)}
.hint{font-size:.88rem;color:var(--muted);margin:.4em 0 0}
.ok{color:var(--ok)} .bad{color:var(--bad)}

/* focus */
:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:6px}
.skip{position:absolute;left:12px;top:-60px;background:var(--amber);color:#10224a;padding:10px 16px;z-index:60;border-radius:10px;font-weight:700;text-decoration:none}
.skip:focus{top:10px}

/* ---------- header ---------- */
header.site{position:sticky;top:0;z-index:30;background:color-mix(in srgb,var(--bg) 86%,transparent);-webkit-backdrop-filter:saturate(1.4) blur(14px);backdrop-filter:saturate(1.4) blur(14px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:12px;min-height:68px;flex-wrap:wrap}
.logo{display:inline-flex;align-items:center;gap:10px;font-family:var(--display);font-weight:700;font-size:1.28rem;letter-spacing:-.03em;text-decoration:none;color:var(--ink);margin-right:auto}
.logo b{color:var(--ink);font-weight:700;opacity:.62}
.logo svg{flex:none;border-radius:9px}
nav.main{display:flex;flex-wrap:wrap;align-items:center;gap:2px}
nav.main a{position:relative;color:var(--ink-2);text-decoration:none;font-weight:560;font-size:.98rem;padding:10px 12px;border-radius:10px;transition:background .2s,color .2s}
nav.main a:hover{background:var(--bg-2);color:var(--ink)}
nav.main a[aria-current=page]{color:var(--ink)}
nav.main a[aria-current=page]::after{content:"";position:absolute;left:12px;right:12px;bottom:3px;height:2px;border-radius:2px;background:var(--amber)}
.nsearch{display:none}
.hbtns{display:flex;align-items:center;gap:8px}
.icon-btn{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:12px;border:1px solid var(--line);background:var(--surface);color:var(--ink);cursor:pointer;transition:border-color .2s,background .2s}
.icon-btn:hover{border-color:var(--line-2);background:var(--surface-2)}
.menu-btn{display:none}
.menu-btn path{transition:transform .25s var(--ease);transform-origin:12px 12px}
.menu-btn[aria-expanded=true] .l1{transform:translateY(4px) rotate(45deg)}
.menu-btn[aria-expanded=true] .l2{transform:translateY(-4px) rotate(-45deg)}
.i-sun{display:none}
:root[data-theme=dark] .i-sun{display:block} :root[data-theme=dark] .i-moon{display:none}
@media (prefers-color-scheme:dark){:root:not([data-theme=light]) .i-sun{display:block}:root:not([data-theme=light]) .i-moon{display:none}}
.hsearch{position:relative;display:none;align-items:center}
.hsearch svg{position:absolute;left:12px;color:var(--muted);pointer-events:none}
.hsearch input[type=search]{width:190px;min-height:44px;padding:9px 12px 9px 36px;border-radius:12px;border:1px solid var(--line);background:var(--surface);color:var(--ink);font:inherit;font-size:.95rem;transition:width .25s var(--ease),border-color .2s}
.hsearch input[type=search]:focus{width:240px;border-color:var(--link)}
@media (min-width:960px){.hsearch{display:inline-flex}}
@media (max-width:959px){
  .js .menu-btn{display:inline-flex}
  .js nav.main{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px;background:var(--surface);border-bottom:1px solid var(--line);box-shadow:var(--sh-2)}
  .js nav.main.open{display:flex;animation:drop .22s var(--ease)}
  .js nav.main a{padding:15px 4px;font-size:1.08rem;border-radius:0;border-bottom:1px solid var(--line)}
  .js nav.main a[aria-current=page]::after{left:auto;right:4px;top:50%;bottom:auto;width:8px;height:8px;border-radius:50%;transform:translateY(-50%)}
  .js .nsearch{display:block;margin-top:14px}
  .nsearch input{width:100%}
  nav.main{order:3;flex-basis:100%}
  .js nav.main{order:0;flex-basis:auto}
}
@keyframes drop{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}

/* breadcrumbs */
.crumbs{font-size:.86rem;color:var(--muted);margin:14px 0 4px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;padding:0;margin:0}
.crumbs li{margin:0;max-width:none}
.crumbs li+li::before{content:"";display:inline-block;width:5px;height:5px;margin:0 10px 2px;border-right:1.5px solid currentColor;border-top:1.5px solid currentColor;transform:rotate(45deg);opacity:.5}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--ink);text-decoration:underline}

/* ---------- page header and hero ---------- */
.phead{padding:18px 0 8px;margin-bottom:8px}
.phead h1{max-width:20ch}
.facts{display:flex;flex-wrap:wrap;gap:10px 28px;list-style:none;padding:0;margin:22px 0 0}
.facts li{margin:0;color:var(--muted);font-size:.92rem}
.facts b{font-family:var(--display);font-size:1.5rem;color:var(--ink);margin-right:6px;letter-spacing:-.02em}
.hero{position:relative;overflow:hidden;isolation:isolate;border-radius:var(--r-xl);background:var(--navy);color:#fff;padding:44px 24px 76px;margin:18px 0 36px}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(80% 90% at 92% 0%,rgba(80,120,230,.38),transparent 60%),radial-gradient(60% 70% at 0% 100%,rgba(242,179,61,.14),transparent 60%)}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:30px;height:3px;background:repeating-linear-gradient(90deg,var(--amber) 0 30px,transparent 30px 54px);opacity:.85}
@media (prefers-reduced-motion:no-preference){.hero::after{animation:road 9s linear infinite}}
@keyframes road{to{background-position:-540px 0}}
.hero h1{color:#fff;font-size:clamp(2.3rem,1.5rem + 4vw,4.1rem);max-width:15ch;margin-top:.15em}
.hero h1 em{font-style:normal;color:var(--amber)}
.hero .lead{color:#cdd7ee}
.hero .eyebrow{color:var(--amber)}
.hero .eyebrow::before{background:var(--amber)}
.hero .btn{background:var(--amber);color:#10224a}
.hero .btn:hover{background:#f6c35f}
.hero .btn.secondary{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}
.hero .btn.secondary:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.6)}
.stats{display:flex;flex-wrap:wrap;gap:16px 0;margin:30px 0 0;padding:0;list-style:none}
.stats li{max-width:none;margin:0;padding:0 26px 0 0;margin-right:26px;border-right:1px solid rgba(255,255,255,.14);font-size:.88rem;color:#b9c5e2}
.stats li:last-child{border:0}
.stats b{display:block;font-family:var(--display);font-size:1.7rem;color:#fff;line-height:1.1;letter-spacing:-.02em}
@media (min-width:760px){.hero{padding:72px 64px 96px}}
.searchbar{display:flex;gap:8px;max-width:540px;margin:24px 0 0}
.searchbar input{flex:1;min-width:0;padding:12px 16px;min-height:50px;border-radius:14px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.07);color:#fff;font:inherit}
.searchbar input::placeholder{color:#b9c5e2}
.searchbar input:focus{border-color:var(--amber);outline-color:var(--amber)}
.page-search{display:flex;gap:8px;margin:14px 0}
.page-search input{flex:1;min-width:0}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--btn);color:var(--btn-ink);padding:12px 22px;min-height:48px;border-radius:12px;font-weight:650;border:1.5px solid transparent;cursor:pointer;text-decoration:none;font-size:1rem;font-family:inherit;line-height:1.2;letter-spacing:-.005em;transition:background .2s,border-color .2s,transform .15s var(--ease),box-shadow .2s}
.btn:hover{background:var(--btn-hover);text-decoration:none}
.btn:active{transform:translateY(1px)}
.btn.secondary,.btn.ghost{background:transparent;color:var(--ink);border-color:var(--line-2)}
.btn.secondary:hover,.btn.ghost:hover{background:var(--surface);border-color:var(--ink-2)}
.btn.primary-accent{background:var(--amber);color:#10224a}
.btn.danger{background:transparent;color:var(--bad);border-color:currentColor}
.btn.danger:hover{background:var(--badbg)}
.btn.small{padding:8px 16px;min-height:44px;font-size:.93rem}
.btn:disabled{opacity:.45;cursor:not-allowed}
.btn[hidden]{display:none}
.btn-row{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0}

/* ---------- surfaces ---------- */
.card,.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:22px;box-shadow:var(--sh-1);margin:18px 0}
.panel.subtle{background:transparent;box-shadow:none}
.panel h2:first-child,.panel .h3:first-child,.card h2:first-child{margin-top:0}
@media (min-width:760px){.card,.panel{padding:30px}}
.grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr))}
.tile{position:relative;display:flex;flex-direction:column;text-decoration:none;color:inherit;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;box-shadow:var(--sh-1);transition:transform .25s var(--ease),border-color .25s,box-shadow .25s}
.tile:hover{transform:translateY(-3px);border-color:var(--line-2);box-shadow:var(--sh-2);text-decoration:none}
.tile h3{margin:.9em 0 .35em;font-size:1.15rem}
.tile p{margin:0;color:var(--muted);font-size:.95rem;line-height:1.55}
.tile .more{margin-top:auto;padding-top:14px;font-weight:650;color:var(--link);font-size:.93rem}
.tile .more::after{content:" \2192";transition:margin .2s}
.tile:hover .more::after{margin-left:4px}
.tile.slim{padding:18px 20px}
.tile.slim h3{margin-top:0;font-size:1.02rem}
.tile.slim p{font-size:.9rem;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.ico{color:var(--navy);background:var(--amber-soft);padding:10px;border-radius:12px;width:46px;height:46px;flex:none}
:root[data-theme=dark] .ico{color:var(--amber)}
@media (prefers-color-scheme:dark){:root:not([data-theme=light]) .ico{color:var(--amber)}}
.band{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-xl);padding:26px;margin:36px 0}
@media (min-width:760px){.band{padding:40px 44px}}
.band h2:first-child{margin-top:0}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr))}
.steps li{counter-increment:s;position:relative;padding:22px 22px 22px 70px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);max-width:none;margin:0}
.steps li::before{content:counter(s);position:absolute;left:20px;top:20px;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-family:var(--display);font-weight:700;display:grid;place-items:center}
.note{background:var(--amber-soft);border:1px solid color-mix(in srgb,var(--amber) 35%,var(--line));border-radius:var(--r);padding:16px 18px;font-size:.95rem;color:var(--ink-2);margin:20px 0}
.note strong{color:var(--ink)}
.note ul{margin:.5em 0 0}
.pill{display:inline-block;background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:3px 12px;font-size:.8rem;font-weight:550;color:var(--muted);margin:0 6px 6px 0}
.pill-row{margin:10px 0 0}
.tag{display:inline-block;font-style:normal;font-size:.72rem;font-weight:700;letter-spacing:.04em;border-radius:99px;padding:2px 9px;background:var(--amber);color:#10224a;vertical-align:2px;margin-left:6px}
.guide{margin-top:8px}
.guide p,.guide li,.guide dd{max-width:68ch}
.guide h2{scroll-margin-top:90px}
.guide li{margin:.45em 0}
.guide dl{margin:1em 0}
.guide dt{font-weight:650;margin-top:1em}
.guide dd{margin:.2em 0 0;color:var(--ink-2)}
.guide aside.note{margin:24px 0}
.split{display:grid;gap:8px 48px;margin:12px 0}
@media (min-width:860px){.split{grid-template-columns:1fr 1fr}}
.split h2{margin-top:1.6em}
.ticks{list-style:none;padding:0;margin:.6em 0}
.ticks li{position:relative;padding-left:30px;margin:.6em 0}
.ticks li::before{content:"";position:absolute;left:2px;top:.42em;width:16px;height:9px;border-left:2.5px solid var(--ok);border-bottom:2.5px solid var(--ok);transform:rotate(-45deg)}
.linklist{list-style:none;padding:0;margin:.6em 0}
.linklist li{margin:0;border-bottom:1px solid var(--line)}
.linklist a{display:flex;justify-content:space-between;gap:12px;padding:13px 2px;text-decoration:none;color:var(--ink);font-weight:550}
.linklist a::after{content:"\2192";color:var(--muted);transition:transform .2s var(--ease)}
.linklist a:hover::after{transform:translateX(3px);color:var(--link)}
.plain{padding-left:1.1em}

/* ---------- tables and forms ---------- */
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:var(--r);background:var(--surface);margin:18px 0}
table{border-collapse:collapse;width:100%;font-size:.96rem}
th,td{border-bottom:1px solid var(--line);padding:12px 14px;text-align:left;vertical-align:top}
thead th{background:var(--surface-2);font-size:.8rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
td.num,th.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
tr.sum th,tr.sum td{border-top:2px solid var(--ink);background:var(--surface-2)}
caption{text-align:left;font-weight:700;padding:10px 14px}
main > table,.guide > table{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:var(--surface)}
label{display:block;font-weight:600;margin:14px 0 6px}
input[type=number],input[type=date],input[type=text],input[type=search],input[type=email],select,textarea{width:100%;padding:11px 14px;border:1px solid var(--line-2);border-radius:12px;background:var(--surface);color:var(--ink);font-size:1rem;font-family:inherit;min-height:48px;transition:border-color .2s,box-shadow .2s}
input:focus,select:focus,textarea:focus{border-color:var(--link);box-shadow:0 0 0 4px var(--link-soft);outline:none}
input:focus-visible,select:focus-visible{outline:3px solid var(--focus);outline-offset:1px}
input[type=checkbox],input[type=radio]{width:20px;height:20px;accent-color:var(--navy);flex:none;margin:0}
:root[data-theme=dark] input[type=checkbox],:root[data-theme=dark] input[type=radio]{accent-color:var(--amber)}
@media (prefers-color-scheme:dark){:root:not([data-theme=light]) input[type=checkbox],:root:not([data-theme=light]) input[type=radio]{accent-color:var(--amber)}}
fieldset{border:0;padding:0;margin:0;min-width:0}
fieldset.card{margin:18px 0;padding:22px}
legend{font-weight:700;padding:0}
fieldset.card legend{font-family:var(--display);font-size:1.12rem;padding:0 4px;margin-bottom:4px}
.checks label{display:flex;gap:12px;align-items:flex-start;font-weight:500;margin:4px 0;padding:10px 10px;border-radius:12px;cursor:pointer;transition:background .15s}
.checks label:hover{background:var(--surface-2)}
.checks input{margin-top:3px}
.field-row{display:grid;gap:0 18px;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr))}
.assume{font-size:.86rem;color:var(--muted);background:var(--surface-2);border:1px solid var(--line);border-radius:12px;padding:10px 14px;margin:12px 0}
.total{font-family:var(--display);font-size:clamp(2rem,1.6rem + 2vw,2.8rem);font-weight:700;letter-spacing:-.03em;margin:.05em 0;line-height:1.1}
.result{border:1px solid var(--line);border-radius:var(--r-lg);padding:22px;margin-top:18px;background:var(--surface);box-shadow:var(--sh-2)}
.kpis{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(min(100%,170px),1fr));margin:12px 0}
.kpi{background:var(--surface-2);border:1px solid var(--line);border-radius:var(--r);padding:14px 16px}
.kpi b{display:block;font-family:var(--display);font-size:1.5rem;letter-spacing:-.02em;line-height:1.15}
.kpi span{display:block;font-size:.86rem;color:var(--ink-2)}
.kpi small{display:block;font-size:.78rem;color:var(--muted);margin-top:2px}
.kpis.big .kpi{background:var(--surface);padding:20px}
.kpis.big .kpi b{font-size:2.1rem}
.timeline{list-style:none;margin:12px 0;padding:0 0 0 24px;border-left:2px solid var(--line)}
.timeline li{position:relative;padding:6px 0 16px 14px;max-width:none}
.timeline li::before{content:"";position:absolute;left:-33px;top:11px;width:14px;height:14px;border-radius:50%;background:var(--amber);border:3px solid var(--bg)}
.timeline .when{font-weight:700}
.timeline .cost{float:right;font-variant-numeric:tabular-nums;font-weight:700}
.timeline small{display:block;color:var(--muted)}
details.faq{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);margin:10px 0;padding:0;transition:border-color .2s}
details.faq[open]{border-color:var(--line-2)}
details.faq summary{cursor:pointer;font-weight:650;padding:16px 50px 16px 18px;list-style:none;position:relative}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"";position:absolute;right:20px;top:50%;width:9px;height:9px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:translateY(-70%) rotate(45deg);transition:transform .2s var(--ease)}
details.faq[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
details.faq div{padding:0 18px 16px;color:var(--ink-2)}
details.faq p{margin:.4em 0}
.progress{height:6px;background:var(--line);border-radius:99px;overflow:hidden}
.progress>i{display:block;height:100%;background:linear-gradient(90deg,var(--navy-2),var(--amber));width:0;border-radius:99px;transition:width .4s var(--ease)}
:root[data-theme=dark] .progress>i{background:linear-gradient(90deg,#4f78e8,var(--amber))}

/* ---------- SERU hub ---------- */
.subnav{display:flex;gap:4px;overflow-x:auto;scrollbar-width:none;margin:10px 0 22px;padding:5px;background:var(--bg-2);border:1px solid var(--line);border-radius:14px;width:max-content;max-width:100%}
.subnav::-webkit-scrollbar{display:none}
.subnav a{flex:none;padding:9px 16px;border-radius:10px;color:var(--ink-2);text-decoration:none;font-weight:600;font-size:.95rem;white-space:nowrap;min-height:40px;display:inline-flex;align-items:center}
.subnav a:hover{color:var(--ink);background:var(--surface)}
.subnav a[aria-current=page]{background:var(--surface);color:var(--ink);box-shadow:var(--sh-1);outline:1px solid var(--line)}
.seclist{list-style:none;padding:0;margin:18px 0;display:grid;gap:12px;grid-template-columns:repeat(auto-fill,minmax(min(100%,300px),1fr))}
.seclist li{margin:0;max-width:none}
.seclist a{display:flex;gap:16px;align-items:center;padding:16px 18px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);transition:border-color .2s,transform .25s var(--ease),box-shadow .25s;height:100%}
.seclist a:hover{border-color:var(--line-2);transform:translateY(-2px);box-shadow:var(--sh-2)}
.secn{flex:none;width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:var(--bg-2);font-family:var(--display);font-weight:700;font-size:1.1rem;color:var(--navy)}
:root[data-theme=dark] .secn{color:var(--amber)}
@media (prefers-color-scheme:dark){:root:not([data-theme=light]) .secn{color:var(--amber)}}
.sect b{display:block;font-weight:650;line-height:1.3}
.sect small{color:var(--muted);font-size:.85rem}
.pager{display:grid;gap:12px;grid-template-columns:1fr 1fr;margin:40px 0 20px}
.pn{display:block;padding:16px 18px;border:1px solid var(--line);border-radius:var(--r);background:var(--surface);text-decoration:none;color:var(--ink);font-weight:650;line-height:1.35}
.pn small{display:block;font-weight:500;color:var(--muted);font-size:.82rem;margin-bottom:2px}
.pn.next{text-align:right}
.pn:hover{border-color:var(--line-2)}
@media (max-width:560px){.pager{grid-template-columns:1fr}.pn.next{text-align:left}}

/* ---------- quiz ---------- */
#quiz{min-height:240px}
.modes{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr));margin:6px 0 4px}
.mode{display:flex;flex-direction:column;gap:6px;text-align:left;padding:20px 22px;min-height:118px;border:1px solid var(--line);border-radius:var(--r-lg);background:var(--surface);color:var(--ink);font:inherit;cursor:pointer;text-decoration:none;box-shadow:var(--sh-1);transition:border-color .2s,transform .25s var(--ease),box-shadow .25s}
.mode:hover{border-color:var(--line-2);transform:translateY(-2px);box-shadow:var(--sh-2);text-decoration:none}
.mode:first-child{background:var(--navy);border-color:var(--navy);color:#fff}
.mode:first-child .ms{color:#c2cde8}
.mt{font-family:var(--display);font-weight:700;font-size:1.18rem;letter-spacing:-.015em}
.ms{color:var(--muted);font-size:.93rem;line-height:1.45}
.mini{display:flex;flex-wrap:wrap;align-items:center;gap:8px 26px;padding:14px 18px;margin:0 0 14px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r)}
.mini div{display:flex;align-items:baseline;gap:7px}
.mini b{font-family:var(--display);font-size:1.25rem;letter-spacing:-.02em}
.mini span{color:var(--muted);font-size:.88rem}
.mini-link{margin-left:auto;font-weight:600;font-size:.93rem}
.qcard{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:20px;box-shadow:var(--sh-2);margin:0 0 18px}
@media (min-width:760px){.qcard{padding:32px 36px}}
.qcard.setup{max-width:760px}
.qtop{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:6px 16px;margin-bottom:12px}
.qtop p{margin:0}
.qcount{font-weight:700;font-size:.92rem}
.qcount span{font-weight:500;color:var(--muted);margin-left:6px}
.qsec{font-size:.88rem;color:var(--muted)}
.qsec a{color:var(--muted)}
.qbody{margin-top:22px}
.qtext{font-family:var(--display);font-size:clamp(1.18rem,1.05rem + .6vw,1.42rem);line-height:1.3;letter-spacing:-.012em;margin:0 0 16px;float:left;width:100%}
.qtext+*{clear:both}
.subn{display:block;font-family:var(--sans);font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.qset{margin:0 0 6px}
.qset+.qset{margin-top:22px}
.opts{display:grid;gap:10px;clear:both}
.opt{display:flex;align-items:flex-start;gap:14px;flex-wrap:wrap;margin:0;padding:14px 16px;min-height:56px;border:1.5px solid var(--line-2);border-radius:14px;background:var(--surface);cursor:pointer;font-weight:500;line-height:1.45;transition:border-color .15s,background .15s}
.opt input{margin-top:2px}
.otext{flex:1 1 200px}
.opt:hover{border-color:var(--link)}
.opt:has(input:checked){border-color:var(--link);background:var(--link-soft)}
.opt:has(input:focus-visible){outline:3px solid var(--focus);outline-offset:2px}
.opt:has(input:disabled){cursor:default}
.opt.is-right{border-color:var(--ok);background:var(--okbg)}
.opt.is-wrong{border-color:var(--bad);background:var(--badbg)}
.mark{flex-basis:100%;margin-left:34px;font-size:.8rem;font-weight:700;letter-spacing:.02em}
.is-right .mark{color:var(--ok)} .is-wrong .mark{color:var(--bad)}
.cloze{font-size:1.12rem;line-height:2.4;margin:4px 0 12px;clear:both}
.gapwrap{display:inline-flex;align-items:center;gap:6px;flex-wrap:wrap;vertical-align:middle}
select.gap{width:auto;min-width:130px;min-height:44px;padding:6px 34px 6px 12px;font-weight:600;border-color:var(--link)}
.gapwrap.is-right select{border-color:var(--ok);background:var(--okbg)}
.gapwrap.is-wrong select{border-color:var(--bad);background:var(--badbg)}
.gapwrap .mark{flex-basis:auto;margin:0;line-height:1.3}
.bankline{font-size:.9rem;color:var(--muted)}
.bankline span:first-child{font-weight:700;margin-right:6px}
.chip{display:inline-block;padding:3px 11px;margin:3px 2px;border:1px dashed var(--line-2);border-radius:999px;color:var(--ink-2)}
.passage{background:var(--surface-2);border:1px solid var(--line);border-left:3px solid var(--amber);border-radius:12px;padding:16px 18px;margin:0 0 22px}
.passage p:last-child{margin:0;font-size:1.04rem}
.feedback:empty{display:none}
.nudge{color:var(--bad);font-weight:600;margin:14px 0 0}
.explain{margin-top:20px;padding:18px 20px;border-radius:14px;background:var(--surface-2);border:1px solid var(--line);border-left:4px solid var(--ok)}
.explain.miss{border-left-color:var(--bad)}
.explain p{margin:.4em 0}
.verdict{font-family:var(--display);font-weight:700;font-size:1.1rem}
.explain.good .verdict{color:var(--ok)} .explain.miss .verdict{color:var(--bad)}
.ref{font-size:.88rem;color:var(--muted);padding-top:8px;margin-top:10px!important;border-top:1px solid var(--line)}
.ref span{display:inline-block;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;background:var(--amber-soft);color:var(--amber-deep);border-radius:6px;padding:1px 7px;margin-right:4px}
.qactions{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px;align-items:center}
.qactions .btn.small{margin-left:auto}
@media (max-width:520px){.qactions .btn:not(.small){flex:1 1 100%}.qactions .btn.small{margin-left:0}}
.timer{font-variant-numeric:tabular-nums;font-weight:700;padding:4px 12px;border-radius:999px;background:var(--surface-2);border:1px solid var(--line)}
.timer.low{color:var(--bad);border-color:var(--bad)}
.qnav{margin-top:22px;border-top:1px solid var(--line);padding-top:14px}
.qnav summary{cursor:pointer;font-weight:600;font-size:.93rem;color:var(--ink-2);min-height:44px;display:flex;align-items:center}
.qgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(44px,1fr));gap:6px;margin:10px 0}
.qdot{min-height:44px;border-radius:10px;border:1px solid var(--line-2);background:var(--surface);color:var(--ink);font:inherit;font-weight:600;cursor:pointer;position:relative}
.qdot.done{background:var(--link-soft);border-color:var(--link)}
.qdot.flag::after{content:"";position:absolute;top:4px;right:4px;width:7px;height:7px;border-radius:50%;background:var(--amber)}
.qdot.here{outline:2px solid var(--ink);outline-offset:1px}
.score{display:flex;flex-wrap:wrap;align-items:baseline;gap:6px 14px;margin:.1em 0 .4em}
.score span{font-size:clamp(2.4rem,1.8rem + 3vw,3.4rem);letter-spacing:-.04em;line-height:1}
.score small{font-family:var(--sans);font-size:1rem;font-weight:600;color:var(--muted)}
.bars{list-style:none;margin:10px 0;padding:0}
.bars li{display:grid;grid-template-columns:1fr auto;gap:4px 12px;margin:12px 0;max-width:none;font-size:.93rem}
.bars li a{color:var(--ink);text-decoration:none;font-weight:550}
.bars li a:hover{text-decoration:underline}
.bars .progress{grid-column:1/-1}
.bars .low .progress>i{background:var(--bad)}
.review{margin-top:28px}
.review h2{margin-top:0}
details.rv{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);margin:10px 0}
details.rv summary{display:flex;gap:12px;align-items:baseline;cursor:pointer;padding:14px 16px;list-style:none}
details.rv summary::-webkit-details-marker{display:none}
.rvn{flex:none;font-weight:700;color:var(--muted);min-width:1.6em}
.rvq{flex:1;font-weight:550}
.rvs{flex:none;font-size:.78rem;font-weight:700;border-radius:99px;padding:2px 10px;background:var(--badbg);color:var(--bad)}
.rv.good .rvs{background:var(--okbg);color:var(--ok)}
.rvbody{padding:0 16px 16px}
.rvbody .qtext{font-size:1.08rem}
.flash{min-height:250px;display:flex;flex-direction:column;justify-content:center;gap:10px;border:1px solid var(--line-2);border-radius:20px;padding:26px;background:var(--surface-2);cursor:pointer;text-align:left;width:100%;font:inherit;color:inherit;margin-top:18px;transition:border-color .2s}
.flash:hover{border-color:var(--link)}
.flash .side{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.flash .big{font-family:var(--display);font-size:1.3rem;line-height:1.35}
.flash .why{color:var(--ink-2)}
.sectable th a{color:var(--ink);font-weight:600;text-decoration:none}
.sectable th a:hover{text-decoration:underline}
.sectable .progress{margin-top:8px;max-width:340px}
.weak{list-style:none;padding:0;margin:12px 0;display:grid;gap:10px}
.weak li{margin:0;max-width:none}
.weak a{display:flex;justify-content:space-between;gap:12px;padding:14px 16px;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--ink);background:var(--surface-2)}
.weak a span{color:var(--bad);font-weight:700;white-space:nowrap}
.hist{list-style:none;padding:0;margin:8px 0}
.hist li{display:grid;grid-template-columns:1fr auto auto;gap:16px;padding:11px 0;border-bottom:1px solid var(--line);margin:0;max-width:none;font-size:.95rem}
.hist li:last-child{border:0}
.empty{text-align:left}

/* ---------- footer ---------- */
footer.site{border-top:1px solid var(--line);background:var(--bg-2);padding:48px 0 32px;color:var(--muted);font-size:.93rem}
.foot-top{display:grid;gap:32px;margin-bottom:28px}
@media (min-width:860px){.foot-top{grid-template-columns:1.1fr 2fr}}
.foot-brand .logo{font-size:1.15rem;display:inline-flex;color:var(--ink)}
.foot-brand p{max-width:40ch;margin:12px 0 0}
.foot-grid{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(min(100%,170px),1fr))}
.fh{font-family:var(--sans);font-size:.76rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;margin:0 0 10px;color:var(--ink)}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin:0;max-width:none}
footer.site a{color:var(--ink-2);display:inline-block;padding:5px 0;text-decoration:none}
footer.site a:hover{color:var(--link);text-decoration:underline}
.disclaimer{font-size:.87rem;color:var(--muted)}
.disclaimer.boxed{border:1px solid var(--line);background:var(--surface);border-radius:var(--r);padding:14px 18px;color:var(--ink-2)}
.disclaimer.small{font-size:.82rem;margin-top:14px}
.related{margin-top:56px;padding-top:8px;border-top:1px solid var(--line)}
.related h2{margin-top:1.2em}
.ad-slot{min-height:0}
.result-list li{max-width:none}
.search-hit{display:block;padding:16px 18px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);margin:10px 0;text-decoration:none;color:inherit;transition:border-color .2s}
.search-hit:hover{border-color:var(--line-2)}
.search-hit b{display:block;color:var(--link);font-size:1.06rem}
.search-hit span{font-size:.92rem;color:var(--muted)}
.search-hit mark{background:var(--amber-soft);color:var(--ink);border-radius:3px;padding:0 2px}
.ck{display:flex;gap:12px;align-items:flex-start}
.share{width:100%;min-height:110px;padding:12px;border:1px solid var(--line-2);border-radius:12px;background:var(--surface);color:var(--ink);font:inherit}

/* ---------- motion: reveal on scroll (site.js adds .reveal only when motion is allowed) ---------- */
@media (prefers-reduced-motion:no-preference){
  .reveal{opacity:0;transform:translateY(14px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
  .reveal.in{opacity:1;transform:none}
}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important}}
@media (max-width:520px){.btn-row .btn{flex:1 1 100%}.hero{border-radius:22px}.timeline .cost{float:none;display:block}.stats li{border:0;padding-right:0}}
@media print{header.site,footer.site .foot-top,.btn-row,.menu-btn,.theme-btn,.related,.subnav,.qactions{display:none}body{background:#fff;color:#000}.card,.result,.qcard,.tile{box-shadow:none}}
@media (min-width:860px){.modes{grid-template-columns:repeat(3,1fr)}.modes.hub .mode:first-child{grid-column:span 2}}
@media (max-width:560px){
  .grid{gap:12px}
  .tile{display:grid;grid-template-columns:46px 1fr;column-gap:14px;align-items:start;padding:18px}
  .tile .ico{grid-row:1/4}
  .tile h3{margin:.1em 0 .25em}
  .tile .more{padding-top:8px}
  .tile.slim{display:block}
  .stats{display:grid;grid-template-columns:1fr 1fr;gap:16px}
  .stats li{margin:0}
  .searchbar .btn{flex:none}
}
.guide .note,.wrap > .note,.wrap > aside.note{max-width:48rem}
@media (max-width:520px){.subnav{width:100%}.subnav a{flex:1 1 auto;justify-content:center;padding:9px 8px;font-size:.88rem}}

/* ---------- contact ---------- */
.contact-card{max-width:560px}
.contact-addr{font-family:var(--display);font-size:clamp(1.3rem,1.1rem + 1vw,1.7rem);font-weight:700;letter-spacing:-.02em;margin:.1em 0 .3em;overflow-wrap:anywhere}
.contact-addr a{color:var(--ink);text-decoration-color:var(--amber);text-decoration-thickness:3px;text-underline-offset:.2em}

/* ---------- cookie and privacy choices ---------- */
#phv-consent{position:fixed;left:0;right:0;bottom:0;z-index:100;background:var(--surface);color:var(--ink);border-top:3px solid var(--amber);box-shadow:0 -14px 40px -18px rgba(18,26,45,.35);max-height:88vh;overflow-y:auto;overscroll-behavior:contain}
#phv-consent .cc-in{max-width:1040px;margin:0 auto;padding:18px 20px 20px}
#phv-consent h2{font-size:1.15rem;margin:0 0 6px}
#phv-consent h2:focus{outline:none}
#phv-consent p{margin:.3em 0;font-size:.94rem;max-width:80ch}
#phv-consent .cc-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
#phv-consent .cc-row .btn{flex:1 1 150px;max-width:260px}
#phv-consent .cc-detail{margin-top:10px;border-top:1px solid var(--line);padding-top:6px}
#phv-consent .cc-cat label{display:flex;gap:12px;align-items:flex-start;font-weight:500;margin:6px 0;padding:8px 4px}
#phv-consent .cc-cat input{margin-top:3px}
#phv-consent .cc-cat b{display:block}
#phv-consent .cc-cat small{display:block;color:var(--muted);font-size:.86rem;line-height:1.45}
#phv-consent .cc-cat input:disabled + span{opacity:.85}
#phv-consent legend{font-size:.8rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);padding:6px 0 2px}
@media (max-width:560px){#phv-consent .cc-row .btn{flex:1 1 100%;max-width:none}}
.linkbtn{background:none;border:0;padding:5px 0;font:inherit;color:var(--ink-2);text-decoration:underline;text-underline-offset:.18em;cursor:pointer}
.linkbtn:hover{color:var(--link)}
html:not(.js) .linkbtn{display:none}
@media print{#phv-consent{display:none}}

/* ---------- tool extras ---------- */
.err{color:var(--bad);font-size:.88rem;font-weight:600;margin:.35em 0 0;min-height:0}
.err:empty{display:none}
input[aria-invalid=true]{border-color:var(--bad)}
.radios{display:flex;flex-wrap:wrap;gap:8px 20px;margin:6px 0 4px}
.radios label{display:inline-flex;align-items:center;gap:10px;font-weight:600;margin:0;padding:8px 14px;border:1px solid var(--line-2);border-radius:12px;cursor:pointer;background:var(--surface)}
.radios label:has(input:checked){border-color:var(--navy);background:var(--amber-soft)}
:root[data-theme=dark] .radios label:has(input:checked){border-color:var(--amber)}
.toolgrid{display:grid;gap:0 24px}
@media (min-width:900px){.toolgrid.cols2{grid-template-columns:1fr 1fr}}
.vcols{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr));margin:12px 0}
.vcol{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:18px 18px 12px}
.vcol h3{margin:0 0 4px;font-size:1.1rem}
.tablewrap.compact table{font-size:.92rem}
.tablewrap td.best,.tablewrap th.best{background:var(--okbg)}
.badge{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;border-radius:99px;padding:2px 9px;background:var(--ok);color:#fff;margin-left:6px;vertical-align:2px}
:root[data-theme=dark] .badge{color:#06281a}
@media (prefers-color-scheme:dark){:root:not([data-theme=light]) .badge{color:#06281a}}
.ratesbox{margin:20px 0}
.ratesbox summary{cursor:pointer;font-weight:650;padding:6px 0}
.dl-row{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin:16px 0}
.cal-list{list-style:none;padding:0;margin:12px 0}
.cal-list li{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid var(--line);max-width:none}
.cal-list li b{font-variant-numeric:tabular-nums;white-space:nowrap}
.cal-list li.skip{color:var(--muted);text-decoration:line-through}
.tablewrap.compact th,.tablewrap.compact td{padding:10px 9px}
.tablewrap.compact tbody th,.tablewrap.compact tbody td:first-child{min-width:7.5em}