:root {
  --navy-900: #24282c;
  --navy-800: #2e3337;
  --navy-700: #41474d;
  --ink: #22262a;
  --muted: #5f666d;
  --line: #e2e7ee;
  --bg: #f5f7fa;
  --card: #ffffff;
  --brand: #9bd83a;
  --brand-dark: #83bf25;
  --link: #3f8a12;
  --back: #a6d8ff;
  --back-strong: #2f8de4;
  --lay: #fac9d1;
  --lay-strong: #e0566f;
  --ok: #1a9b5b;
  --warn: #d97706;
  --radius: 12px;
  --shadow: 0 1px 2px rgba(13, 23, 38, .06), 0 6px 20px rgba(13, 23, 38, .06);
  --header-h: 64px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body {
  margin: 0;
  font: 16px/1.65 Inter, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--link); }
.wrap { width: 100%; max-width: 1200px; margin: 0 auto; padding-inline: 20px; }
.muted { color: var(--muted); }

.skip { position: absolute; left: -9999px; }
.skip:focus { left: 12px; top: 12px; z-index: 100; background: #fff; padding: 8px 12px; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 13px 22px; border-radius: 10px;
  background: var(--brand); color: var(--navy-900);
  font-weight: 700; text-decoration: none; border: 0; cursor: pointer;
  transition: background .15s, transform .15s;
}
.btn:hover { background: var(--brand-dark); transform: translateY(-1px); }
.btn-sm { padding: 8px 14px; font-size: 14px; }
.btn-ghost { background: transparent; color: #fff; box-shadow: inset 0 0 0 1.5px rgba(255,255,255,.35); }
.btn-ghost:hover { background: rgba(255,255,255,.08); }

/* ---------- header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: var(--navy-900); color: #fff;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.header-row { display: flex; align-items: center; gap: 24px; height: var(--header-h); }
.logo { display: inline-flex; align-items: center; gap: 10px; color: inherit; text-decoration: none; font-weight: 800; font-size: 20px; letter-spacing: -.02em; }
.logo b { color: var(--brand); }
.logo small { font-weight: 500; font-size: 13px; opacity: .65; margin-left: 2px; }
.menu { margin-left: auto; display: flex; align-items: center; gap: 4px; }
.menu a:not(.btn) { color: #cfd8e6; text-decoration: none; font-size: 14px; font-weight: 500; padding: 8px 10px; border-radius: 8px; }
.menu a:not(.btn):hover { color: #fff; background: rgba(255,255,255,.06); }
.menu .btn { margin-left: 8px; }
.burger { display: none; margin-left: auto; background: none; border: 0; padding: 8px; cursor: pointer; }
.burger span { display: block; width: 22px; height: 2px; background: #fff; margin: 5px 0; transition: transform .2s, opacity .2s; }
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- hero ---------- */
.hero {
  background:
    radial-gradient(900px 400px at 85% 10%, rgba(155,216,58,.16), transparent 60%),
    radial-gradient(700px 300px at 10% 100%, rgba(75,191,214,.10), transparent 60%),
    linear-gradient(180deg, var(--navy-900), var(--navy-800));
  color: #fff;
  padding: 56px 0 64px;
}
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 48px; align-items: center; }
.eyebrow { display: inline-block; margin: 0 0 14px; font-size: 13px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--brand); }
.hero h1 { font-size: clamp(30px, 4.2vw, 46px); line-height: 1.12; letter-spacing: -.025em; margin: 0 0 18px; }
.lead { font-size: 17px; color: #c6d1e1; margin: 0 0 28px; max-width: 60ch; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 36px; }
.hero-facts { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.hero-facts li { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.08); border-radius: 10px; padding: 12px 14px; }
.hero-facts strong { display: block; font-size: 18px; }
.hero-facts span { font-size: 12.5px; color: #a9afb5; }
.hero-visual { margin: 0; }
.hero-visual img { border-radius: 16px; box-shadow: 0 30px 60px rgba(0,0,0,.35); }

/* ---------- layout ---------- */
.layout { display: grid; grid-template-columns: 240px minmax(0, 1fr); gap: 48px; padding-block: 48px 72px; }
.toc { position: sticky; top: calc(var(--header-h) + 24px); align-self: start; max-height: calc(100vh - var(--header-h) - 48px); overflow: auto; }
.toc-title { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); margin: 0 0 10px; }
.toc ol { list-style: none; margin: 0; padding: 0; border-left: 2px solid var(--line); }
.toc a { display: block; padding: 6px 0 6px 14px; margin-left: -2px; border-left: 2px solid transparent; color: var(--muted); text-decoration: none; font-size: 14px; }
.toc a:hover { color: var(--ink); }
.toc a.active { color: var(--ink); font-weight: 600; border-left-color: var(--brand); }

/* ---------- prose ---------- */
.prose { max-width: 820px; min-width: 0; }
.prose > section { background: var(--card); border-radius: var(--radius); box-shadow: var(--shadow); padding: 32px 36px; margin-bottom: 24px; }
.prose > p { font-size: 17px; margin-top: 0; }
.prose h2 { font-size: clamp(23px, 2.6vw, 30px); line-height: 1.2; letter-spacing: -.02em; margin: 0 0 16px; }
.prose h3 { font-size: 20px; line-height: 1.3; margin: 32px 0 10px; }
.prose h4 { font-size: 16px; margin: 0 0 10px; }
.prose p { margin: 0 0 14px; }
.prose ul, .prose ol { padding-left: 22px; margin: 0 0 16px; }
.prose li { margin-bottom: 6px; }
.prose figure { margin: 20px 0; }
.prose figure img { border-radius: 10px; border: 1px solid var(--line); }
.figure-right { float: right; width: 200px; margin: 4px 0 12px 24px !important; }
.figure-right img { border: 0 !important; }
#inscription::after { content: ""; display: block; clear: both; }

.note { font-size: 14.5px; color: var(--muted); background: var(--bg); border-radius: 8px; padding: 12px 14px; }

/* steps */
.steps { list-style: none; padding: 0 !important; display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; counter-reset: s; position: relative; }
.steps li { position: relative; background: var(--bg); border-radius: 10px; padding: 18px 16px 16px; margin: 0; display: flex; flex-direction: column; gap: 2px; }
.steps li:not(:last-child)::after { content: "→"; position: absolute; right: -11px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 700; z-index: 1; }
.step-n { width: 30px; height: 30px; border-radius: 50%; background: var(--navy-900); color: var(--brand); font-weight: 800; display: grid; place-items: center; font-size: 14px; margin-bottom: 8px; }
.steps span:last-child { font-size: 13.5px; color: var(--muted); }

/* tables */
.table-wrap { overflow-x: auto; margin: 16px 0 18px; border: 1px solid var(--line); border-radius: 10px; }
table { width: 100%; border-collapse: collapse; font-size: 14.5px; }
th, td { text-align: left; padding: 12px 14px; vertical-align: top; border-bottom: 1px solid var(--line); }
thead th { background: var(--navy-900); color: #fff; font-weight: 600; font-size: 13.5px; white-space: nowrap; }
tbody tr:last-child td { border-bottom: 0; }
tbody tr:nth-child(even) td { background: #fafbfd; }
.row-top td { background: #f3fbe6 !important; }
.compare td:first-child { font-weight: 600; white-space: nowrap; }
.compare th.hl { background: var(--brand); color: var(--navy-900); }
.compare td.hl { background: #f3fbe6 !important; font-weight: 600; }

/* cards */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 18px 0; }
.card { border: 1px solid var(--line); border-radius: 10px; padding: 18px 20px; background: #fff; }
.card ul { margin-bottom: 0; }
.card p:last-child { margin-bottom: 0; }
.card-back { background: #eef7ff; border-color: var(--back); }
.card-back h4 { color: var(--back-strong); }
.card-lay { background: #fff1f3; border-color: var(--lay); }
.card-lay h4 { color: var(--lay-strong); }
.card-pros { border-top: 4px solid var(--ok); }
.card-cons { border-top: 4px solid var(--lay-strong); }

ul.check, ul.cross { list-style: none; padding-left: 0; }
ul.check li, ul.cross li { position: relative; padding-left: 28px; }
ul.check li::before, ul.cross li::before { position: absolute; left: 0; top: 1px; width: 20px; height: 20px; border-radius: 50%; display: grid; place-items: center; font-size: 12px; font-weight: 800; }
ul.check li::before { content: "✓"; background: #e3f6ec; color: var(--ok); }
ul.cross li::before { content: "✕"; background: #fde8ec; color: var(--lay-strong); }

ol.numbered { counter-reset: n; list-style: none; padding-left: 0; }
ol.numbered li { counter-increment: n; position: relative; padding-left: 44px; margin-bottom: 14px; }
ol.numbered li::before { content: counter(n); position: absolute; left: 0; top: 0; width: 30px; height: 30px; border-radius: 8px; background: var(--navy-900); color: var(--brand); font-weight: 800; font-size: 14px; display: grid; place-items: center; }

.pills { list-style: none; padding: 0 !important; display: flex; flex-wrap: wrap; gap: 8px; }
.pills li { background: var(--bg); border: 1px solid var(--line); border-radius: 999px; padding: 6px 14px; font-size: 14.5px; margin: 0; }

.feature-list { list-style: none; padding: 0 !important; display: grid; gap: 12px; }
.feature-list li { background: var(--bg); border-left: 4px solid var(--brand); border-radius: 8px; padding: 14px 16px; margin: 0; }

.callout { background: #eef5ff; border: 1px solid #cfe0fb; border-radius: 10px; padding: 14px 16px; margin: 16px 0; font-size: 15px; }
.callout-warn { background: #f4fbe8; border-color: #d6f2a8; }
.callout-warn::before { content: "⚠ "; color: var(--warn); font-weight: 700; }

/* withdrawal bars */
.bars { list-style: none; padding: 0 !important; display: grid; gap: 10px; }
.bars li { display: grid; grid-template-columns: 170px 1fr; align-items: center; gap: 12px; margin: 0; font-size: 14.5px; }
.bars b { position: relative; display: block; padding: 6px 10px; font-weight: 600; font-size: 13.5px; }
.bars b::before { content: ""; position: absolute; inset: 0; width: var(--w); min-width: 4px; background: var(--back); border-radius: 6px; z-index: -1; }
.bars b { z-index: 0; }

/* calculator */
.calc { margin-top: 20px; background: var(--navy-900); color: #fff; border-radius: 12px; padding: 20px; }
.calc-title { font-weight: 700; margin: 0 0 12px !important; }
.calc-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.calc label { display: flex; flex-direction: column; gap: 4px; font-size: 12.5px; color: #a9afb5; }
.calc input, .calc select { font: inherit; font-size: 15px; color: var(--ink); background: #fff; border: 0; border-radius: 8px; padding: 9px 10px; width: 100%; }
.calc-out { display: block; margin-top: 14px; font-size: 15px; color: #dfe7f2; }
.calc-out b { color: var(--brand); }

/* faq */
.faq details { border: 1px solid var(--line); border-radius: 10px; margin-bottom: 10px; background: #fff; }
.faq summary { cursor: pointer; list-style: none; padding: 14px 44px 14px 16px; font-weight: 600; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 16px; top: 50%; transform: translateY(-50%); font-size: 22px; font-weight: 400; color: var(--muted); }
.faq details[open] summary::after { content: "−"; }
.faq details[open] { border-color: #cdd6e3; }
.faq details p { padding: 0 16px 16px; margin: 0; color: #364252; }

.cta-band { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; background: linear-gradient(120deg, var(--navy-900), var(--navy-700)); color: #fff; border-radius: var(--radius); padding: 24px 28px; }
.cta-band p { margin: 0; }

/* ---------- footer ---------- */
.site-footer { background: var(--navy-900); color: #cfd8e6; padding-top: 48px; font-size: 14px; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1.4fr .8fr; gap: 40px; }
.site-footer .muted { color: #959ca3; }
.site-footer a { color: #cfd8e6; }
.footer-title { font-weight: 700; color: #fff; margin: 4px 0 10px; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 6px; }
.badge-18 { display: inline-grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; border: 2px solid var(--lay-strong); color: #fff; font-weight: 800; font-size: 12px; margin-right: 6px; vertical-align: middle; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); margin-top: 32px; padding-block: 18px; font-size: 13px; }

/* ---------- responsive ---------- */
@media (max-width: 1080px) {
  .menu a:not(.btn) { padding: 8px 6px; font-size: 13.5px; }
}
@media (max-width: 960px) {
  .burger { display: block; }
  .menu {
    position: fixed; inset: var(--header-h) 0 auto 0; flex-direction: column; align-items: stretch; gap: 0;
    background: var(--navy-900); padding: 8px 20px 20px; border-bottom: 1px solid rgba(255,255,255,.08);
    transform: translateY(-120%); transition: transform .25s; visibility: hidden;
  }
  .menu.open { transform: none; visibility: visible; }
  .menu a:not(.btn) { padding: 12px 4px; font-size: 16px; border-bottom: 1px solid rgba(255,255,255,.06); border-radius: 0; }
  .menu .btn { margin: 14px 0 0; }
  .hero-grid { grid-template-columns: minmax(0, 1fr); gap: 32px; }
  .layout { grid-template-columns: minmax(0, 1fr); gap: 0; padding-top: 24px; }
  .toc { display: none; }
  .prose { max-width: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
}
@media (max-width: 640px) {
  .hero { padding: 36px 0 44px; }
  .hero-facts { grid-template-columns: repeat(2, 1fr); }
  .prose > section { padding: 22px 18px; }
  .wrap { padding-inline: 16px; }
  .steps { grid-template-columns: 1fr 1fr; }
  .steps li:not(:last-child)::after { display: none; }
  .two-col { grid-template-columns: 1fr; }
  .calc-row { grid-template-columns: 1fr 1fr; }
  .bars li { grid-template-columns: 1fr; gap: 4px; }
  .figure-right { float: none; width: 160px; margin: 0 auto 16px !important; }
  .cta-band { padding: 20px; }
}
.hero-visual figcaption { margin-top: 10px; font-size: 12px; color: #959ca3; text-align: right; }