*{box-sizing:border-box}
:root{
  --navy:#0A2D5E; --navy-d:#061F42; --navy-m:#1B4A8E;
  --gold:#F4B942; --gold-d:#D99A1C; --gold-l:#FFF5D9; --gold-xl:#FFFAE8; --gold-br:#F4D58A;
  --ink:#1A1A1A; --ink-2:#4A4A4A; --ink-3:#7A7A7A;
  --line:#E2E5EA; --bg:#F7F9FC;
}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:#fff;color:var(--ink);font-family:'Arimo','Liberation Sans',Arial,sans-serif;font-size:16px;line-height:1.6}
h1,h2,h3{font-family:'Lora',Georgia,serif;color:var(--navy);margin:0}
a{color:var(--navy)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;
  padding:14px clamp(20px,5vw,56px);border-bottom:1.5px solid var(--line)}
.nav img{height:34px;width:auto;display:block}
.nav a.back{font-size:13.5px;font-weight:700;text-decoration:none}
.nav a.back:hover{color:#0053BA}

main{position:relative;overflow:hidden}
.sky{position:absolute;inset:0;pointer-events:none;overflow:hidden}
.sky .wash{position:absolute;inset:0;background:linear-gradient(180deg,var(--gold-xl) 0%,rgba(255,250,232,.45) 36%,rgba(255,255,255,0) 72%)}
.sky .mark{position:absolute;right:-210px;top:-180px;width:620px;opacity:.14}
@media(max-width:760px){.sky .mark{right:-230px;top:-120px;width:420px;opacity:.07}}

.wrap{position:relative;z-index:1;max-width:1080px;margin:0 auto;padding:clamp(28px,5vw,52px) clamp(20px,5vw,56px) 0}
.eyebrow{font-size:12px;letter-spacing:.18em;text-transform:uppercase;font-weight:700;color:var(--gold-d)}
h1{font-size:clamp(28px,4.6vw,43px);line-height:1.12;margin-top:10px;text-wrap:balance}
.rule{width:64px;height:4px;background:var(--gold);border-radius:2px;margin:18px 0}
.lead{font-size:clamp(16px,2vw,18.5px);color:var(--ink-2);max-width:62ch;margin:0;text-wrap:pretty}
.meta{display:flex;flex-wrap:wrap;gap:8px 10px;margin-top:18px}
.meta span{font-size:12.5px;font-weight:700;color:var(--navy);background:var(--gold-xl);
  border:1.5px solid var(--gold-br);border-radius:4px;padding:5px 11px}

.calc{display:grid;grid-template-columns:1fr;gap:20px;margin-top:30px}
@media(min-width:900px){.calc{grid-template-columns:1fr 1fr;align-items:start}}

.card{border:1.5px solid var(--line);border-top:4px solid var(--gold);border-radius:5px;
  background:#fff;padding:22px clamp(18px,3vw,26px);box-shadow:0 2px 16px rgba(10,45,94,.06)}
.card h2{font-size:21px;margin-bottom:4px}
.card .hint{font-size:13px;color:var(--ink-3);margin:0 0 18px}

fieldset{border:0;margin:0 0 18px;padding:0}
legend{font-size:11px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--gold-d);padding:0;margin-bottom:9px}
.seg{display:grid;gap:8px}
@media(min-width:480px){.seg.two{grid-template-columns:1fr 1fr}}
.seg button{font:inherit;font-size:14.5px;text-align:left;color:var(--navy);background:#fff;
  border:1.5px solid var(--line);border-radius:4px;padding:11px 14px;cursor:pointer;line-height:1.35}
.seg button small{display:block;font-size:12px;color:var(--ink-3);font-weight:400;margin-top:3px}
.seg button:hover{border-color:var(--gold)}
.seg button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}
.seg button[aria-pressed="true"] small{color:rgba(255,255,255,.72)}
.seg button:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

label.f{display:block;margin-bottom:16px}
label.f>span{display:block;font-size:11px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--gold-d);margin-bottom:7px}
label.f>em{display:block;font-style:normal;font-size:12.5px;color:var(--ink-3);margin-top:6px;line-height:1.45}
.money{position:relative}
.money span.sig{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--ink-3);font-size:17px;pointer-events:none}
input[type=text],input[type=number],input[type=email],select{
  width:100%;font:inherit;font-size:17px;color:var(--ink);background:#fff;
  border:1.5px solid var(--line);border-radius:4px;padding:11px 13px}
.money input{padding-left:28px}
input:focus,select:focus{outline:0;border-color:var(--navy);box-shadow:0 0 0 3px rgba(10,45,94,.1)}

/* ---- results ---- */
.out{border-radius:5px;overflow:hidden;border:1.5px solid var(--line);box-shadow:0 2px 16px rgba(10,45,94,.06)}
.out .top{background:var(--navy);color:#fff;padding:24px clamp(18px,3vw,26px)}
.out .top small{display:block;font-size:11px;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--gold)}
.out .top b{display:block;font-family:'Lora',Georgia,serif;font-weight:600;font-size:clamp(36px,6vw,52px);line-height:1.05;margin-top:7px}
.out .top p{margin:9px 0 0;font-size:13.5px;color:rgba(255,255,255,.8);line-height:1.5}
.out .body{background:#fff;padding:20px clamp(18px,3vw,26px)}
.rows{list-style:none;margin:0;padding:0}
.rows li{display:flex;align-items:baseline;gap:12px;padding:11px 0;border-bottom:1px solid var(--line)}
.rows li:last-child{border-bottom:0}
.rows li.tot{border-top:2px solid var(--navy);margin-top:4px;padding-top:13px}
.rows .lab{font-size:14.5px;color:var(--ink)}
.rows .lab em{display:block;font-style:normal;font-size:12px;color:var(--ink-3);margin-top:2px;line-height:1.45}
.rows .val{margin-left:auto;font-family:'Lora',Georgia,serif;font-weight:600;font-size:19px;color:var(--navy);white-space:nowrap}
.rows li.tot .lab{font-weight:700}
.rows li.tot .val{font-size:24px}
.rows li.mut .lab,.rows li.mut .val{color:var(--ink-3)}

.flag{display:flex;gap:10px;background:var(--gold-xl);border:1.5px solid var(--gold-br);
  border-radius:4px;padding:12px 14px;margin-top:16px;font-size:13.5px;line-height:1.55}
.flag i{flex:none;width:18px;height:18px;border-radius:50%;background:var(--navy);color:#fff;
  font:700 12px/18px 'Arimo',Arial,sans-serif;text-align:center;font-style:normal;margin-top:1px}
.flag b{color:var(--navy)}

details.work{margin-top:16px;border:1.5px solid var(--line);border-radius:4px;background:var(--bg)}
details.work summary{cursor:pointer;padding:11px 14px;font-size:13.5px;font-weight:700;color:var(--navy);list-style:none}
details.work summary::-webkit-details-marker{display:none}
details.work summary::before{content:'\25B8';display:inline-block;margin-right:9px;color:var(--gold-d);transition:transform .15s}
details.work[open] summary::before{transform:rotate(90deg)}
details.work .in{padding:0 14px 14px}
details.work table{width:100%;border-collapse:collapse;font-size:13px}
details.work td{padding:6px 0;border-bottom:1px solid var(--line);color:var(--ink-2)}
details.work td:last-child{text-align:right;white-space:nowrap;color:var(--navy);font-weight:700}
details.work tr:last-child td{border-bottom:0}

/* ---- cta + trust ---- */
.cta{background:linear-gradient(90deg,var(--gold-l),var(--gold-xl));border-left:4px solid var(--gold);
  border-radius:4px;padding:22px clamp(18px,3vw,26px);margin-top:20px}
.cta h3{font-size:21px;margin-bottom:9px}
.cta p{margin:0 0 15px;font-size:14.5px;color:var(--ink);max-width:60ch}
.row{display:flex;flex-wrap:wrap;gap:10px}
.btn{display:inline-block;font:inherit;font-size:15px;font-weight:700;text-decoration:none;cursor:pointer;
  background:var(--navy);color:#fff;border:1.5px solid var(--navy);border-radius:4px;padding:12px 20px}
.btn:hover{background:var(--navy-m);border-color:var(--navy-m)}
.btn.ghost{background:#fff;color:var(--navy)}
.btn.ghost:hover{background:var(--gold-xl);border-color:var(--gold)}
.btn:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

.trust{max-width:1080px;margin:0 auto;padding:40px clamp(20px,5vw,56px) 52px;position:relative;z-index:2}
.trust .tbox{border:1.5px solid var(--line);border-top:4px solid var(--gold);border-radius:4px;
  background:#fff;padding:20px 24px;box-shadow:0 2px 14px rgba(10,45,94,.07)}
.fn{font-size:11.5px;color:var(--ink-3);line-height:1.6;margin:18px 0 0}
.fn b{color:var(--ink-2)}
footer{border-top:1.5px solid var(--navy);background:var(--bg);padding:24px clamp(20px,5vw,56px)}
footer p{font-size:11px;line-height:1.6;color:var(--ink-2);margin:0 0 8px;max-width:1080px}
[hidden]{display:none!important}
@media print{.nav,.cta,.sky{display:none!important}}

/* ===== additions shared across the tool set ===== */
.calc.wide{grid-template-columns:1fr}
@media(min-width:900px){.calc.wide{grid-template-columns:minmax(0,1fr) minmax(0,1.12fr)}}
.sub{font-size:13px;color:var(--ink-3);margin:4px 0 0}
.gridf{display:grid;gap:0 16px}
@media(min-width:520px){.gridf.two{grid-template-columns:1fr 1fr}}
.out .top b.sm{font-size:clamp(28px,4.6vw,40px)}
.out .top .pill{display:inline-block;margin-top:12px;font-size:12px;font-weight:700;letter-spacing:.08em;
  text-transform:uppercase;background:var(--gold);color:var(--navy-d);border-radius:3px;padding:5px 10px}
.out .top .pill.q{background:rgba(255,255,255,.16);color:#fff}
.bars{margin:4px 0 0;display:grid;gap:14px}
.bar b{display:block;font-size:13px;color:var(--ink-2);font-weight:400}
.bar b strong{color:var(--navy);font-weight:700}
.bar .t{height:26px;border-radius:3px;background:var(--line);overflow:hidden;margin-top:6px;display:flex}
.bar .t i{display:block;height:100%}
.bar .t i.a{background:var(--navy)}.bar .t i.b{background:var(--gold)}.bar .t i.c{background:var(--navy-m)}
.key{display:flex;flex-wrap:wrap;gap:6px 16px;margin-top:12px;font-size:12.5px;color:var(--ink-2)}
.key span{display:flex;align-items:center;gap:6px}
.key i{width:11px;height:11px;border-radius:2px;display:block}
table.cmp{width:100%;border-collapse:collapse;font-size:14px;margin-top:4px}
table.cmp th{text-align:right;padding-left:14px;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-d);
  padding:0 0 9px;border-bottom:1.5px solid var(--line)}
table.cmp th:first-child{text-align:left;padding-left:0}
table.cmp td{padding:10px 0 10px 14px;border-bottom:1px solid var(--line);text-align:right;
  font-family:'Lora',Georgia,serif;font-weight:600;color:var(--navy);white-space:nowrap}
table.cmp td:first-child{text-align:left;padding-left:0;font-family:'Arimo',Arial,sans-serif;font-weight:400;color:var(--ink)}
table.cmp tr.win td{background:var(--gold-xl)}
table.cmp tr:last-child td{border-bottom:0;border-top:2px solid var(--navy);font-size:17px}
svg.chart{width:100%;height:auto;display:block;margin-top:4px;overflow:visible}
svg.chart text{font:400 11px 'Arimo',Arial,sans-serif;fill:var(--ink-3)}
svg.chart text.lbl{font-weight:700;fill:var(--navy)}
.note{font-size:13px;line-height:1.55;color:var(--ink-2);margin:14px 0 0}
.toolnav{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px}
.toolnav a{font-size:13px;font-weight:700;text-decoration:none;color:var(--navy);background:#fff;
  border:1.5px solid var(--line);border-radius:4px;padding:8px 13px}
.toolnav a:hover{border-color:var(--gold);background:var(--gold-xl)}
.toolnav a[aria-current]{background:var(--navy);border-color:var(--navy);color:#fff}
/* text-heavy comparison tables: wrap, left-align, no totals row */
table.facts{width:100%;border-collapse:collapse;font-size:13px;table-layout:fixed;margin-top:4px}
table.facts th{text-align:left;font-size:10.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-d);padding:0 8px 8px 0;border-bottom:1.5px solid var(--line);vertical-align:bottom}
table.facts td{padding:9px 8px 9px 0;border-bottom:1px solid var(--line);vertical-align:top;line-height:1.45;color:var(--ink);overflow-wrap:anywhere}
table.facts td:first-child{font-weight:700;color:var(--navy)}
table.facts tr:last-child td{border-bottom:0}
/* "Email me these results" */
.mail{border:1.5px solid var(--line);border-left:4px solid var(--navy);border-radius:4px;background:#fff;padding:20px clamp(18px,3vw,26px);margin-top:20px}
.mail h3{font-size:20px;margin:0 0 6px}
.mail>p{font-size:14px;color:var(--ink-2);margin:0 0 14px}
.mail .chk{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;line-height:1.5;color:var(--ink-2);margin:2px 0 16px}
.mail .chk input{margin-top:3px;flex:none}
.mail .done{font-size:14.5px;line-height:1.55;margin:0}
.mail .done b{color:var(--navy)}
.mail .btn:disabled{opacity:.5;cursor:not-allowed}

/* ---- trust / credibility strip ---- */
.trust .tbox{padding:22px 26px 18px}
.trust .thead{display:flex;align-items:center;justify-content:space-between;gap:18px 28px;flex-wrap:wrap}
.trust .who{display:flex;align-items:center;gap:18px;flex-wrap:wrap;min-width:0}
.trust .who .logo{height:34px;width:auto;display:block;padding-right:18px;border-right:1px solid #E2E5EA}
.trust .who .id b{display:block;font:600 18px/1.25 'Lora',Georgia,serif;color:#0A2D5E}
.trust .who .id span{display:block;font-size:13px;color:#4A4A4A;margin-top:3px}
.trust abbr{text-decoration:none;border:0;cursor:help}
.trust .aw{display:flex;align-items:flex-start;gap:3px;flex:none}.trust .aw sup{font-size:9px;color:#7A7A7A;line-height:1}
.trust .award{height:64px;width:auto;display:block}
.trust .proof{list-style:none;margin:18px 0 0;padding:16px 0 0;border-top:1px solid #E2E5EA;display:grid;grid-template-columns:repeat(4,1fr);gap:14px 0}
.trust .proof li{padding:0 18px;border-left:1px solid #E2E5EA;min-width:0}
.trust .proof li:first-child{padding-left:0;border-left:0}
.trust .proof b{display:block;font:600 22px/1.15 'Lora',Georgia,serif;color:#0A2D5E}
.trust .proof b sup{font:600 10px/0 Arial,sans-serif;color:#7A7A7A;margin-left:2px}
.trust .proof span{display:block;font-size:12.5px;line-height:1.45;color:#4A4A4A;margin-top:5px}
.trust .tfn{font-size:11px;color:#7A7A7A;line-height:1.55;margin:16px 0 0}
.trust .tfn sup{font-size:9px}
.trust .tfn a{color:#4A4A4A}
@media (max-width:820px){.trust .proof{grid-template-columns:1fr 1fr;gap:16px 0}.trust .proof li:nth-child(3){padding-left:0;border-left:0}}
@media (max-width:520px){.trust .who .logo{border-right:0;padding-right:0}.trust .award{height:54px}.trust .proof b{font-size:19px}.trust .proof li{padding:0 12px}}