:root{
  --paper:#F4F5F7; --ink:#14181F; --muted:#616A77; --line:#E2E4E9; --line2:#CFD3DB; --soft:#EAECF1;
  --slate:#284B63; --slate-d:#1B3748; --amber:#E0A106; --amber-d:#B98400;
  --ref:#C3C9D2; --up:#C0492F; --down:#2E7D5B;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}
h1,h2,h3,h4{font-family:'Libre Franklin','Inter',sans-serif;font-weight:800;line-height:1.08;margin:0;letter-spacing:-.015em}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px}
.narrow{max-width:760px;margin:0 auto;padding:0 22px}
.muted{color:var(--muted)}
.lead{font-size:20px;color:#3a4350;max-width:64ch}

.btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;border-radius:10px;padding:13px 22px;border:1px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s,transform .1s;font-size:15px}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--slate);color:#fff}
.btn-primary:hover{background:var(--slate-d)}
.btn-amber{background:var(--amber);color:#2a2000}
.btn-amber:hover{background:var(--amber-d)}
.btn-ghost{background:transparent;border-color:var(--line2);color:var(--ink)}
.btn-ghost:hover{border-color:var(--slate);color:var(--slate)}
.link{color:var(--slate);font-weight:600}
.link:hover{text-decoration:underline}

.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--amber-d)}
.kicker{font-family:'Libre Franklin';font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--slate)}
.tag{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:600;color:#2c3744;background:var(--soft);border:1px solid var(--line);padding:5px 11px;border-radius:7px}
.src{font-size:12px;color:#89909c}
.src a{color:#89909c;text-decoration:underline}
.up{color:var(--up);font-weight:700}
.down{color:var(--down);font-weight:700}

nav.top{position:sticky;top:0;z-index:50;background:rgba(244,245,247,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.navrow{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:10px;font-family:'Libre Franklin';font-weight:800;font-size:20px;letter-spacing:-.01em}
.brand .mk{width:30px;height:30px;border-radius:7px;background:var(--slate);display:inline-flex;align-items:center;justify-content:center;color:#fff;font-size:14px}
.navlinks{display:flex;align-items:center;gap:22px}
.navlinks a{font-weight:500;color:#3a4350;font-size:15px}
.navlinks a:hover{color:var(--slate)}
.navbtn{display:none}
.mobile{display:none;border-top:1px solid var(--line);background:var(--paper)}
.mobile a{display:block;padding:11px 0;color:#3a4350;font-weight:500}
@media(max-width:940px){.navlinks{display:none}.navbtn{display:inline-flex}}

.section{padding:68px 0}
.section-sm{padding:42px 0}
.surface{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.center{text-align:center}

.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g2,.g3,.g4{grid-template-columns:1fr}.two{grid-template-columns:1fr!important}}

.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}
.card h3{font-size:19px;margin-bottom:8px}
.statcard{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}
.stat{font-family:'Libre Franklin';font-weight:800;font-size:40px;line-height:1;letter-spacing:-.02em;color:var(--slate)}
.stat.amber{color:var(--amber-d)}
.delta{font-size:13px;font-weight:700}

.chartbox{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px}
.chart text{font-family:'Inter';fill:var(--muted);font-size:12px}
.chart .lab{fill:var(--ink);font-weight:600}
.bar{fill:var(--slate)}
.bar.amber{fill:var(--amber)}
.bar.ref{fill:var(--ref)}
.axis{stroke:var(--line2);stroke-width:1}
.spark{fill:none;stroke:var(--slate);stroke-width:2.5}
.dot{fill:var(--amber)}

.adslot{border:1px dashed var(--line2);border-radius:12px;background:repeating-linear-gradient(45deg,#fff,#fff 10px,#fafafa 10px,#fafafa 20px);color:#9aa2ad;text-align:center;padding:26px;font-size:13px}

.checklist{list-style:none;padding:0;margin:0}
.checklist li{display:flex;gap:10px;margin-bottom:10px;font-size:15px}
.checklist .ok{color:var(--down);margin-top:3px}

.calc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}
.field label{font-size:14px;font-weight:600;display:block;margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:11px 13px;border:1px solid var(--line2);border-radius:10px;font:inherit;color:inherit;background:#fff}
.field input:focus,.field select:focus{outline:2px solid var(--slate);outline-offset:1px;border-color:var(--slate)}
.formgrid{display:grid;gap:14px;grid-template-columns:1fr 1fr}
@media(max-width:620px){.formgrid{grid-template-columns:1fr}}
.meter{height:14px;border-radius:999px;background:var(--soft);overflow:hidden;border:1px solid var(--line)}
.meter>i{display:block;height:100%;background:var(--up);width:0;transition:width .4s}
.consent{display:flex;gap:9px;align-items:flex-start;font-size:13px;color:var(--muted)}

footer.site{background:var(--ink);color:#9AA3B0;margin-top:20px}
footer.site a{color:#C4CAD4}
footer.site a:hover{color:#fff}
.foot-grid{display:grid;gap:30px;grid-template-columns:1.6fr 1fr 1fr;padding:50px 0 18px}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}
.foot-grid h4{color:#fff;font-size:14px;margin-bottom:10px;font-family:'Libre Franklin'}
.foot-grid a{display:block;padding:3px 0;font-size:14px}
.foot-bottom{border-top:1px solid #262c36;padding:16px 0;display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;font-size:13px}

*:focus-visible{outline:2px solid var(--slate);outline-offset:2px}
details{border:1px solid var(--line);border-radius:12px;background:#fff;padding:16px 18px;margin-bottom:12px}
details summary{cursor:pointer;font-weight:700;font-family:'Libre Franklin';font-size:17px}
.note{background:#FFF8EC;border:1px solid #F0E2C2;border-radius:12px;padding:16px 18px;font-size:14px;color:#5e5330}
.cookie{position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--ink);color:#EAECF2;display:none}
.pill-row{display:flex;flex-wrap:wrap;gap:8px}

/* toggle chips for interactive chart */
.chipbtn{border:1px solid var(--line2);background:#fff;border-radius:999px;padding:7px 14px;font-weight:600;font-size:14px;cursor:pointer;color:var(--ink);font-family:inherit;transition:background .15s,color .15s,border-color .15s}
.chipbtn:hover{border-color:var(--slate)}
.chipbtn.on{background:var(--slate);color:#fff;border-color:var(--slate)}
.chipbtn.per.on{background:var(--amber);color:#2a2000;border-color:var(--amber)}
.budgetcard{border:1px solid var(--line);border-radius:12px;padding:16px;text-align:center}
.budgetcard .n{font-family:'Libre Franklin';font-weight:800;font-size:26px}