:root{
  --ink:#14231f; --muted:#5a6b66; --bg:#f4f7f5; --card:#ffffff; --line:#dfe7e3;
  --brand:#0f6b57; --brand-d:#0a4d3f; --accent:#f2b84b; --accent-d:#c98d12;
  --cash:#2f80ed; --fhsa:#0f6b57; --hbp:#e07a3f; --warn:#b4540a; --ok:#14764f;
  --radius:16px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.55 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand-d)}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.sample-bar{background:#14231f;color:#fff;font-size:13px;text-align:center;padding:7px 12px;letter-spacing:.02em}
.sample-bar b{color:var(--accent)}
header.hero{background:linear-gradient(135deg,#0a4d3f 0%,#0f6b57 60%,#198a6f 100%);color:#fff;padding:44px 0 72px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:20px;letter-spacing:-.01em}
.logo{width:34px;height:34px;display:grid;gap:3px;grid-template-rows:repeat(3,1fr)}
.logo i{display:block;border-radius:3px;background:var(--accent)}
.logo i:nth-child(1){width:55%;margin:0 auto;background:#fff}
.logo i:nth-child(2){width:78%;margin:0 auto;background:#ffd98a}
.logo i:nth-child(3){width:100%}
.hero h1{font-size:clamp(28px,5vw,46px);line-height:1.12;margin:26px 0 10px;letter-spacing:-.02em;max-width:18em}
.hero p.sub{font-size:clamp(16px,2.2vw,19px);opacity:.92;margin:0 0 18px;max-width:40em}
.disclaimer{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:6px 14px;font-size:13.5px}
main{margin-top:-44px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 8px 30px rgba(20,35,31,.07);padding:26px;margin-bottom:26px}
.card h2{margin:0 0 4px;font-size:22px;letter-spacing:-.01em}
.card .lead{margin:0 0 18px;color:var(--muted);font-size:15px}
.grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
@media(max-width:720px){.grid{grid-template-columns:1fr}.card{padding:18px}}
label{display:block;font-weight:600;font-size:14px;margin-bottom:5px}
label small{font-weight:400;color:var(--muted)}
.field input,.field select{width:100%;font:inherit;padding:11px 12px;border:1px solid #c9d5d0;border-radius:10px;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus{outline:3px solid rgba(15,107,87,.25);border-color:var(--brand)}
.money{position:relative}
.money span{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted)}
.money input{padding-left:26px}
.hint{font-size:12.5px;color:var(--muted);margin-top:4px}
.tag{display:inline-block;font-size:11.5px;font-weight:700;background:#fff4d9;color:#8a5b00;border:1px solid #f0d594;border-radius:6px;padding:1px 7px;margin-left:6px;vertical-align:middle}
.checks{display:flex;flex-wrap:wrap;gap:18px;margin-top:6px}
.checks label{display:flex;gap:8px;align-items:center;font-weight:500;margin:0}
.checks input{width:18px;height:18px;accent-color:var(--brand)}
.kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:6px 0 20px}
@media(max-width:720px){.kpis{grid-template-columns:1fr}}
.kpi{background:#f1f7f4;border:1px solid var(--line);border-radius:14px;padding:14px 16px}
.kpi .k{font-size:12.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;font-weight:700}
.kpi .v{font-size:27px;font-weight:800;letter-spacing:-.02em;margin-top:2px}
.kpi .s{font-size:13px;color:var(--muted)}
.kpi.good .v{color:var(--ok)} .kpi.warn .v{color:var(--warn)}
.stackbar{display:flex;height:34px;border-radius:10px;overflow:hidden;background:#e8eeeb;border:1px solid var(--line)}
.stackbar div{min-width:0;transition:width .3s}
.legend{display:flex;flex-wrap:wrap;gap:8px 20px;margin:10px 0 0;font-size:14px}
.legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}
table{width:100%;border-collapse:collapse;font-size:15px}
th,td{text-align:left;padding:10px 10px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-size:12.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
td.num,th.num{text-align:right;white-space:nowrap}
tr.total td{font-weight:800;border-top:2px solid var(--ink);border-bottom:none}
.note{font-size:13.5px;color:var(--muted);margin:12px 0 0}
.callout{background:#fff8e6;border:1px solid #f0d594;border-radius:12px;padding:12px 14px;font-size:14px;margin-top:14px}
.callout.ok{background:#eaf7f1;border-color:#b6e0cd}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.rules table{min-width:680px}
.verified{display:inline-block;background:#eaf7f1;color:var(--ok);border:1px solid #b6e0cd;border-radius:6px;padding:1px 8px;font-size:13px;font-weight:600;white-space:nowrap}
.news{background:linear-gradient(135deg,#fff8e6,#fff);}
.news form{display:flex;gap:10px;flex-wrap:wrap;margin-top:12px}
.news input[type=email]{flex:1 1 240px;font:inherit;padding:12px;border:1px solid #c9d5d0;border-radius:10px;background:#fff}
.btn{font:inherit;font-weight:700;border:0;border-radius:10px;padding:12px 20px;background:var(--brand);color:#fff;cursor:pointer}
.mock{font-size:12.5px;color:var(--muted);margin-top:8px}
footer{background:#14231f;color:#c9d5d0;padding:34px 0 40px;font-size:14px;margin-top:40px}
footer a{color:#ffd98a}
footer p{margin:0 0 10px;max-width:60em}

/* ===== additions for the launch build ===== */
.sample-bar[hidden],[hidden]{display:none!important}
.skip{position:absolute;left:-999px;top:0;background:#fff;color:#000;padding:8px 12px;z-index:10}
.skip:focus{left:8px;top:8px}
.topbar{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.brand a{color:#fff;text-decoration:none;display:flex;align-items:center;gap:10px}
nav.main{display:flex;gap:18px;flex-wrap:wrap;font-size:15px}
nav.main a{color:#fff;opacity:.9;text-decoration:none;border-bottom:1px solid transparent}
nav.main a:hover,nav.main a[aria-current=page]{opacity:1;border-bottom-color:var(--accent)}
.verified-pill{display:inline-block;background:var(--accent);color:#14231f;border-radius:999px;padding:6px 14px;font-size:14px;font-weight:700;margin:0 8px 8px 0}
.hero .pills{margin-top:6px}
header.hero.compact{padding:28px 0 64px}
header.hero.compact h1{font-size:clamp(26px,4vw,38px);margin:18px 0 6px}
header.hero.compact p.sub{margin:0}
.banner{background:#fff3cd;border-bottom:1px solid #f0d594;color:#5c3d00;padding:10px 20px;text-align:center;font-size:14px}
.banner.err{background:#fde8e8;border-color:#f3b4b4;color:#7a1f1f;margin:0 0 20px;border-radius:12px;border:1px solid #f3b4b4}
.muted{color:var(--muted)}
.more-src{font-size:12.5px;color:var(--muted);margin-top:6px}
.more-src a{color:var(--muted)}
.todo{background:#fff3cd;border:1px dashed #c98d12;border-radius:4px;padding:0 5px;font-weight:600;color:#7a4b00}
.prose h2{font-size:21px;margin:30px 0 6px;letter-spacing:-.01em}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:17px;margin:22px 0 4px}
.prose p,.prose li{max-width:46em}
.prose ul{padding-left:22px}
.prose code{background:#eef3f0;border-radius:4px;padding:1px 5px;font-size:.92em}
.prose .formula{background:#f1f7f4;border:1px solid var(--line);border-radius:10px;padding:10px 14px;font-family:ui-monospace,Menlo,Consolas,monospace;font-size:14px;overflow-x:auto}
.callout.amb{background:#fff8e6}
.news .consent{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;margin-top:12px;color:var(--ink);font-weight:400}
.news .consent input{margin-top:3px;width:18px;height:18px;accent-color:var(--brand);flex:none}
.news .status{font-size:14px;margin-top:10px;min-height:1.4em}
.btn:disabled,.news input:disabled{opacity:.6;cursor:not-allowed}
.vh{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
footer nav{display:flex;gap:18px;flex-wrap:wrap;margin:0 0 14px}
footer .lv{color:#fff}
@media print{.sample-bar,nav.main,.news,footer nav{display:none}}