/* SeparationMath: small, fast, no framework */
[hidden]{display:none!important}
:root{
  --navy:#13294b; --navy-2:#1d3a66; --ink:#1b2430; --muted:#5b6675; --line:#dfe4ea; --bg:#f6f8fb;
  --card:#ffffff; --accent:#c8102e; --good:#17714a; --good-bg:#e9f6ef; --bad:#a3262a; --bad-bg:#fbeceb;
  --warn-bg:#fff7e0; --warn:#7a5a00; --radius:12px; --shadow:0 1px 2px rgba(16,24,40,.06),0 4px 16px rgba(16,24,40,.06);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 var(--font);color:var(--ink);background:var(--bg)}
a{color:var(--navy-2)}
a:hover{color:var(--accent)}
img{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}

/* header */
.site-header{background:var(--navy);color:#fff;border-bottom:4px solid var(--accent)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:60px;flex-wrap:wrap}
.brand{color:#fff;text-decoration:none;font-weight:800;font-size:20px;letter-spacing:.2px;display:flex;align-items:center;gap:8px}
.brand:hover{color:#fff}
.brand-mark{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:7px;background:#fff;color:var(--navy);font-size:15px;font-weight:900}
.nav{display:flex;gap:4px;flex-wrap:wrap}
.nav a{color:#dfe7f5;text-decoration:none;font-size:14.5px;padding:6px 10px;border-radius:8px}
.nav a:hover,.nav a[aria-current=page]{background:rgba(255,255,255,.12);color:#fff}

/* page */
.hero{background:linear-gradient(180deg,#fff, var(--bg));border-bottom:1px solid var(--line)}
.hero .wrap{padding:28px 20px 22px}
.crumbs{font-size:13.5px;color:var(--muted);margin-bottom:6px}
.crumbs a{color:var(--muted)}
h1{font-size:clamp(26px,4vw,38px);line-height:1.15;margin:4px 0 10px;color:var(--navy);letter-spacing:-.3px}
h2{font-size:22px;color:var(--navy);margin:34px 0 10px;line-height:1.25}
h3{font-size:17px;margin:20px 0 6px}
.lede{font-size:18px;color:#334155;max-width:760px;margin:0}
.meta{font-size:13.5px;color:var(--muted);margin-top:10px}
.badge{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.3px;text-transform:uppercase;background:#e7edf7;color:var(--navy-2);padding:3px 8px;border-radius:999px}

/* calculator layout */
.calc{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:22px;margin:24px 0}
@media (max-width:880px){.calc{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:20px}
.card h2:first-child,.card h3:first-child{margin-top:0}
.results{position:sticky;top:14px;align-self:start}
@media (max-width:880px){.results{position:static}}
fieldset{border:0;padding:0;margin:0 0 16px}
legend{font-weight:700;color:var(--navy);margin-bottom:8px;font-size:15px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px 14px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px 14px}
@media (max-width:520px){.grid2,.grid3{grid-template-columns:1fr}}
label{display:block;font-size:14px;font-weight:600;margin-bottom:4px}
.hint{display:block;font-weight:400;color:var(--muted);font-size:12.5px;margin-top:3px;line-height:1.35}
input[type=number],input[type=text],select{width:100%;font:inherit;font-size:16px;padding:10px 12px;border:1px solid #c9d1db;border-radius:9px;background:#fff;color:var(--ink)}
input:focus,select:focus{outline:3px solid #bcd0f0;border-color:var(--navy-2)}
.money{position:relative}.money:before{content:"$";position:absolute;left:11px;top:50%;transform:translateY(-50%);color:var(--muted)}
.money input{padding-left:24px}
.pct{position:relative}.pct:after{content:"%";position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--muted)}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:500;font-size:14.5px;margin:8px 0}
.check input{width:18px;height:18px;margin-top:3px;flex:none}
.seg{display:flex;border:1px solid #c9d1db;border-radius:9px;overflow:hidden}
.seg label{flex:1;margin:0;text-align:center;padding:9px 6px;cursor:pointer;font-weight:600;font-size:14px;background:#fff}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg input:checked+span{color:#fff}
.seg label:has(input:checked){background:var(--navy-2);color:#fff}
details.more{margin-top:6px;border-top:1px dashed var(--line);padding-top:10px}
details.more summary{cursor:pointer;font-weight:600;color:var(--navy-2)}

/* results */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px}
@media (max-width:420px){.compare{grid-template-columns:1fr}}
.opt{border-radius:10px;padding:14px;border:1px solid var(--line)}
.opt.bad{background:var(--bad-bg);border-color:#f1c9c6}
.opt.good{background:var(--good-bg);border-color:#bfe3cf}
.opt .k{font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.3px}
.opt.bad .k{color:var(--bad)}.opt.good .k{color:var(--good)}
.opt .v{font-size:28px;font-weight:800;line-height:1.15;margin:4px 0 2px;font-variant-numeric:tabular-nums}
.opt .s{font-size:13.5px;color:#3b4654}
.big{font-size:40px;font-weight:800;color:var(--navy);line-height:1.1;font-variant-numeric:tabular-nums}
.big-sub{color:var(--muted);font-size:14px;margin-bottom:12px}
table.breakdown{width:100%;border-collapse:collapse;font-size:14.5px;font-variant-numeric:tabular-nums}
table.breakdown td,table.breakdown th{padding:7px 4px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
table.breakdown td.n,table.breakdown th.n{text-align:right;white-space:nowrap}
table.breakdown tr.total td{font-weight:800;border-top:2px solid var(--ink)}
table.breakdown th{font-size:12.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.3px}
.callout{border-radius:10px;padding:12px 14px;font-size:14.5px;margin:12px 0}
.callout.warn{background:var(--warn-bg);color:#4d3a00;border:1px solid #f0dd9d}
.callout.info{background:#eef3fb;border:1px solid #d3def0}
.callout.good{background:var(--good-bg);border:1px solid #bfe3cf}
.disclaimer-mini{font-size:12.5px;color:var(--muted);margin-top:12px;line-height:1.45}
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:700;padding:11px 16px;border-radius:10px;border:0;font:inherit;cursor:pointer}
.btn:hover{background:#a50d26;color:#fff}
.btn.secondary{background:#fff;color:var(--navy);border:1px solid #c9d1db}
.btn.secondary:hover{background:#f1f4f8;color:var(--navy)}
.btn.small{padding:7px 11px;font-size:14px}

/* VA rows */
.rows .row{display:grid;grid-template-columns:1fr 1.3fr auto;gap:8px;align-items:end;margin-bottom:8px}
.rows .row button{height:44px;width:44px;border:1px solid #c9d1db;border-radius:9px;background:#fff;cursor:pointer;font-size:18px;color:var(--muted)}

/* article */
.prose{max-width:780px}
.prose p,.prose li{color:#27313d}
.prose code{background:#eef2f7;padding:1px 5px;border-radius:5px;font-size:14px}
.formula{background:#0f1f3a;color:#e9f0ff;padding:12px 14px;border-radius:10px;font:14px/1.5 ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;overflow-x:auto}
.sources{font-size:14.5px}
.sources li{margin-bottom:6px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;margin-bottom:8px}
.faq summary{cursor:pointer;font-weight:700}
.legal{background:#fff;border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:10px;padding:14px 16px;font-size:14px;color:#3b4654;margin:28px 0}

/* home */
.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin:22px 0}
.tile{display:block;text-decoration:none;color:inherit;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow);transition:transform .08s,border-color .08s}
.tile:hover{transform:translateY(-2px);border-color:#b8c6db;color:inherit}
.tile h3{margin:6px 0 4px;color:var(--navy)}
.tile p{margin:0;color:var(--muted);font-size:14.5px}
.tile.flag{border:2px solid var(--navy-2)}
.promo{display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap;background:var(--navy);color:#fff;border-radius:var(--radius);padding:20px 22px;margin:26px 0}
.promo h3{color:#fff;margin:0 0 4px}.promo p{margin:0;color:#d5def0}
.trust{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin:18px 0}
.trust div{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px;font-size:14.5px}
.trust strong{display:block;color:var(--navy)}

/* footer */
.site-footer{margin-top:40px;background:#0e1f3a;color:#b9c5d8;font-size:14px}
.site-footer .wrap{padding:26px 20px}
.site-footer a{color:#dfe7f5}
.site-footer .cols{display:flex;gap:30px;flex-wrap:wrap;justify-content:space-between}
.site-footer p{margin:6px 0}
.print-only{display:none}
@media print{.site-header,.site-footer,.promo,.nav,.btn{display:none!important}.calc{grid-template-columns:1fr}.results{position:static}}

.mobile-bar{display:none}
@media (max-width:880px){.mobile-bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:5;justify-content:space-between;align-items:center;gap:10px;background:var(--navy);color:#fff;padding:10px 16px;font-size:15px;box-shadow:0 -4px 16px rgba(0,0,0,.18)}.mobile-bar a{color:#fff;font-weight:700;white-space:nowrap}body.has-bar{padding-bottom:56px}}