:root {
  /* Institutional reference: cool paper, navy ink, one blue for action, green only for "verified". */
  --paper: #f6f8fb;
  --surface: #ffffff;
  --ink: #0f1f3d;
  --ink-2: #334766;
  --muted: #5f6f86;
  --rule: #dfe5ee;
  --accent: #1f4fbf;
  --accent-soft: #e8eefb;
  --ok: #17734a;
  --ok-soft: #e5f3ec;
  --warn: #8a4b0f;
  --warn-soft: #fbf0e3;
  --radius: 8px;
  --font: "Public Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --display: "Source Serif 4", Georgia, "Times New Roman", serif;
  --mono: ui-monospace, "Cascadia Mono", Menlo, monospace;
  color-scheme: light;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --paper: #0d1526; --surface: #142038; --ink: #e8eef8; --ink-2: #c3cfe2; --muted: #93a3bb;
    --rule: #263552; --accent: #8fb0ff; --accent-soft: #1b2a4a; --ok: #6fd3a3; --ok-soft: #12302a;
    --warn: #f0b072; --warn-soft: #2e2318;
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --paper: #0d1526; --surface: #142038; --ink: #e8eef8; --ink-2: #c3cfe2; --muted: #93a3bb;
  --rule: #263552; --accent: #8fb0ff; --accent-soft: #1b2a4a; --ok: #6fd3a3; --ok-soft: #12302a;
  --warn: #f0b072; --warn-soft: #2e2318;
  color-scheme: dark;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--paper); color: var(--ink); font: 16px/1.6 var(--font); font-variant-numeric: tabular-nums; }
a:focus-visible, select:focus-visible, input:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }
a { color: var(--accent); text-underline-offset: 2px; }
.wrap { max-width: 920px; margin: 0 auto; padding: 0 16px; }
h1, h2 { font-family: var(--display); text-wrap: balance; }
h1 { font-weight: 600; font-size: clamp(1.7rem, 4.5vw, 2.4rem); line-height: 1.15; letter-spacing: -0.01em; margin: 1.6rem 0 0.6rem; }
h2 { font-weight: 600; font-size: 1.35rem; margin: 2.2rem 0 0.7rem; }
.lede { font-size: 1.1rem; color: var(--ink-2); max-width: 42em; }
.small { font-size: 0.85rem; }
.muted { color: var(--muted); }

.top { border-bottom: 1px solid var(--rule); background: var(--surface); }
.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 56px; flex-wrap: wrap; }
.brand { font-family: var(--display); font-weight: 700; font-size: 1.15rem; color: var(--ink); text-decoration: none; letter-spacing: -0.01em; }
.top nav { display: flex; gap: 16px; flex-wrap: wrap; }
.top nav a { color: var(--ink-2); text-decoration: none; font-size: 0.95rem; }
.top nav a:hover { color: var(--accent); }
.crumbs { margin: 1.2rem 0 0; font-size: 0.9rem; color: var(--muted); }

.calc { display: grid; grid-template-columns: 300px 1fr; gap: 24px; background: var(--surface); border: 1px solid var(--rule); border-radius: var(--radius); padding: 20px; margin: 1.5rem 0; }
@media (max-width: 720px) { .calc { grid-template-columns: 1fr; } }
.inputs { display: flex; flex-direction: column; gap: 14px; }
.inputs label { display: flex; flex-direction: column; gap: 4px; font-weight: 600; font-size: 0.92rem; }
.inputs label.check { flex-direction: row; align-items: center; gap: 8px; font-weight: 500; }
select, input[type=number] { font: inherit; padding: 8px 10px; border: 1px solid var(--rule); border-radius: 8px; background: var(--paper); color: var(--ink); width: 100%; }
.money { display: flex; align-items: center; gap: 6px; }
.big { display: flex; flex-direction: column; margin-bottom: 12px; }
#total.partial { font-size: 1.4rem; }
#total { font-size: 2.4rem; font-weight: 700; font-variant-numeric: tabular-nums; letter-spacing: -0.02em; }

table.fees { width: 100%; border-collapse: collapse; font-size: 0.95rem; }
.fees th, .fees td { text-align: left; padding: 9px 8px; border-bottom: 1px solid var(--rule); vertical-align: top; }
.fees thead th { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.04em; color: var(--muted); font-weight: 600; }
.fees th[scope=row] { font-weight: 500; }
.num { text-align: right !important; font-variant-numeric: tabular-nums; white-space: nowrap; }
.num .small { white-space: normal; }
.conflict { color: var(--warn); background: var(--warn-soft); }
.src { font-size: 0.85rem; word-break: break-word; }
.scroll { overflow-x: auto; }
.nw { white-space: nowrap; }
.fees th[scope=row] .small { font-weight: 400; margin-top: 2px; }

.totals { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 1.2rem 0 0.4rem; }
.tot { background: var(--surface); border: 1px solid var(--rule); border-radius: var(--radius); padding: 12px 14px; display: flex; flex-direction: column; }
.tot .lbl { font-size: 0.8rem; color: var(--muted); text-transform: uppercase; letter-spacing: 0.04em; }
.tot .val { font-size: 1.5rem; font-weight: 700; font-variant-numeric: tabular-nums; }

ul.notes, ul.changes { padding: 0; list-style: none; }
.notes li, .changes li { padding: 10px 0; border-bottom: 1px solid var(--rule); }
.tag { display: inline-block; font-size: 0.75rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.04em; color: var(--accent); background: var(--accent-soft); border-radius: 4px; padding: 1px 6px; margin-right: 6px; }
.changes time { font-variant-numeric: tabular-nums; color: var(--muted); margin-right: 6px; }

.stats { display: flex; flex-wrap: wrap; gap: 8px 20px; padding: 0; list-style: none; }
.btn { display: inline-block; padding: 8px 14px; border: 1px solid var(--accent); border-radius: 8px; text-decoration: none; margin: 0 6px 6px 0; }
pre.cite { white-space: pre-wrap; background: var(--surface); border: 1px solid var(--rule); border-radius: 8px; padding: 12px; font: 0.85rem/1.5 var(--mono); }

.providers { border: 1px solid var(--rule); border-radius: var(--radius); padding: 16px; background: var(--surface); margin: 2rem 0; }
.disclose { font-size: 0.95rem; color: var(--ink); margin: 0 0 10px; }

.foot { border-top: 1px solid var(--rule); margin-top: 3rem; padding: 1.2rem 0 2rem; font-size: 0.85rem; color: var(--muted); }
.foot p { margin: 0.4rem 0; }

.big .lbl { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--muted); }
.needs h2 { margin-top: 2.5rem; }
ol.steps { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.step { background: var(--surface); border: 1px solid var(--rule); border-radius: var(--radius); padding: 16px 18px; }
.stephead { display: flex; align-items: baseline; gap: 12px; flex-wrap: wrap; }
.stephead h3 { font-size: 1.08rem; margin: 0; flex: 1 1 220px; }
.stepno { display: inline-grid; place-items: center; width: 26px; height: 26px; border-radius: 50%; background: var(--ink); color: var(--surface); font-weight: 700; font-size: 0.85rem; flex: none; }
.cost { font-weight: 700; color: var(--ink); white-space: nowrap; }
.step > p { margin: 6px 0 10px 38px; color: var(--ink-2); }
.ways { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 12px 24px; margin-left: 38px; }
@media (max-width: 520px) { .step > p, .ways { margin-left: 0; } }
.ways > div { min-width: 0; }
.ways h4 { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--muted); margin: 0 0 6px; }
.ways p { margin: 0; }
ul.offers { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.offers li { display: flex; flex-wrap: wrap; gap: 2px 10px; align-items: baseline; padding-bottom: 8px; border-bottom: 1px solid var(--rule); }
.offers .price { margin-left: auto; font-weight: 600; white-space: nowrap; }
.offers .small { flex-basis: 100%; }
.aff { font-size: 0.72rem; color: var(--muted); border: 1px solid var(--rule); border-radius: 4px; padding: 0 5px; }

#filedOnly { gap: 14px; }
.compare-wrap h2 { margin-top: 2.5rem; }
table.compare button { font: inherit; font-weight: 600; color: var(--accent); background: none; border: 0; padding: 0; cursor: pointer; text-align: left; text-decoration: underline; text-underline-offset: 2px; }
table.compare tr.on { background: var(--accent-soft); }
table.compare tr.on button { color: var(--ink); text-decoration: none; }
table.compare .def { font-weight: 400; margin-top: 4px; max-width: 46em; }

.toc { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 16px 24px; margin: 1.4rem 0 0.8rem; background: var(--surface); border: 1px solid var(--rule); border-radius: var(--radius); padding: 16px 18px; }
.toc div { display: flex; flex-direction: column; gap: 5px; min-width: 0; }
.toc h4 { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); margin: 0 0 2px; }
.toc a { font-size: 0.95rem; text-decoration: none; }
.toc a:hover { text-decoration: underline; }
.toolcat { background: var(--surface); border: 1px solid var(--rule); border-radius: var(--radius); padding: 4px 18px 14px; margin: 16px 0; scroll-margin-top: 16px; }
.toolcat h2 { margin: 14px 0 10px; font-size: 1.2rem; }
.nextup { display: flex; align-items: flex-start; gap: 12px; text-decoration: none; color: inherit; background: var(--surface); border: 1px solid var(--rule); border-left: 4px solid var(--accent); border-radius: var(--radius); padding: 16px 18px; margin: 12px 0 0; }
.nextup .stepno.next { background: var(--accent); margin-top: 2px; }
.nextup-body { display: flex; flex-direction: column; gap: 4px; min-width: 0; }
.nextup-kicker { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--muted); font-weight: 600; }
.nextup-title { font-family: var(--display); font-weight: 700; font-size: 1.3rem; color: var(--accent); text-underline-offset: 4px; }
.nextup:hover .nextup-title { text-decoration: underline; }
.nextup-sub { color: var(--ink-2); }
.chips { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 8px; }
.chips span { font-size: 0.82rem; font-weight: 600; color: var(--ink-2); background: var(--accent-soft); border-radius: 999px; padding: 3px 10px; }
.toolsearch { margin: 1.2rem 0 0; }
.toolsearch input { font: inherit; font-size: 1.05rem; width: 100%; padding: 12px 14px; border: 1px solid var(--rule); border-radius: var(--radius); background: var(--surface); color: var(--ink); }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }

.filters { display: flex; flex-wrap: wrap; gap: 12px 20px; margin: 1rem 0; }
.filters label { display: flex; flex-direction: column; gap: 4px; font-weight: 600; font-size: 0.92rem; min-width: 220px; flex: 1 1 220px; max-width: 360px; }