:root{
  --ink:#0d1117; --ink2:#39424e; --mut:#6b7684; --line:#e4e8ee; --line2:#eef1f5;
  --bg:#ffffff; --bg2:#f7f9fc; --bg3:#eef3f9;
  --brand:#1a56db; --brand2:#3b7bf5; --brandbg:#eef3ff;
  --green:#0f9d58; --greenbg:#e8f6ee;
  --amber:#c07800; --amberbg:#fdf4e3;
  --red:#d93025; --redbg:#fdeceb;
  --rad:14px; --max:1180px;
  --shadow:0 1px 2px rgba(16,24,40,.05),0 4px 16px rgba(16,24,40,.05);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);
  font:16px/1.6 Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",system-ui,sans-serif;
  -webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{margin:0;line-height:1.2;letter-spacing:-.02em;font-weight:750}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.narrow{max-width:820px}
.mono{font-variant-numeric:tabular-nums;
  font-family:ui-monospace,SFMono-Regular,"SF Mono",Menlo,monospace}

/* ---------- header ---------- */
header.top{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.92);
  backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
header.top .wrap{display:flex;align-items:center;gap:12px;height:62px}
.logo{display:flex;align-items:center;gap:9px;font-weight:800;font-size:19px;
  letter-spacing:-.03em;color:var(--ink)}
.logo:hover{text-decoration:none}
.logo .mark{width:28px;height:28px;border-radius:8px;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--brand),var(--brand2));color:#fff}
.logo .mark svg{display:block}
.logo .wm{display:inline}          /* one flex item, or gap splits the wordmark */
.logo em{font-style:normal;color:var(--brand)}
nav.main{margin-left:auto;display:flex;gap:4px;align-items:center}
nav.main a{color:var(--ink2);font-size:14.5px;font-weight:600;padding:8px 12px;
  border-radius:9px}
nav.main a:hover{background:var(--bg2);text-decoration:none;color:var(--ink)}
nav.main a.on{color:var(--brand);background:var(--brandbg)}
.menubtn{display:none;margin-left:auto;background:var(--bg2);border:1px solid var(--line);
  border-radius:9px;width:40px;height:38px;font-size:17px;cursor:pointer;color:var(--ink)}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:12px 20px;border-radius:10px;font-weight:650;font-size:14.5px;border:0;
  cursor:pointer;background:var(--brand);color:#fff;white-space:nowrap;
  font-family:inherit;transition:.15s}
.btn:hover{background:#1345b5;text-decoration:none}
.btn.ghost{background:#fff;color:var(--ink);border:1px solid var(--line)}
.btn.ghost:hover{background:var(--bg2);border-color:#cfd6e0}
.btn.sm{padding:9px 15px;font-size:13.5px}
.btn:disabled{opacity:.5;cursor:not-allowed}

/* ---------- hero ---------- */
.hero{padding:64px 0 46px;background:
  radial-gradient(760px 340px at 78% -10%,#eaf1ff,transparent 70%),
  linear-gradient(#fff,#fbfcfe)}
.hero h1{font-size:clamp(34px,5vw,54px);max-width:16ch;margin-bottom:16px}
.hero h1 em{font-style:normal;color:var(--brand)}
.hero .lede{color:var(--ink2);font-size:18.5px;max-width:60ch;margin:0 0 28px}
.pill{display:inline-flex;align-items:center;gap:8px;font-size:12.5px;font-weight:700;
  color:var(--brand);background:var(--brandbg);border:1px solid #d6e2ff;
  padding:6px 13px;border-radius:999px;margin-bottom:18px}

/* ---------- search ---------- */
.searchbox{display:flex;gap:9px;max-width:620px;margin-bottom:12px}
.searchbox input{flex:1;padding:16px 18px;font-size:16px;border:1.5px solid var(--line);
  border-radius:12px;font-family:inherit;background:#fff;color:var(--ink);min-width:0}
.searchbox input:focus{outline:0;border-color:var(--brand);
  box-shadow:0 0 0 4px rgba(26,86,219,.11)}
.searchbox .btn{padding:16px 26px;font-size:15px}
.hint{font-size:13px;color:var(--mut)}
th .hint{display:inline-flex;align-items:center;justify-content:center;width:14px;
  height:14px;margin-left:5px;border:1px solid var(--mut);border-radius:50%;font-size:9px;
  cursor:help;vertical-align:middle;opacity:.65}
.hint b{color:var(--ink2);font-weight:600}
.err{color:var(--red);font-size:14px;margin-top:10px;display:none}

/* ---------- stat strip ---------- */
.strip{display:flex;gap:38px;flex-wrap:wrap;margin-top:34px;padding-top:26px;
  border-top:1px solid var(--line)}
.strip b{display:block;font-size:27px;letter-spacing:-.03em;font-weight:750}
.strip span{font-size:12.5px;color:var(--mut);text-transform:uppercase;
  letter-spacing:.07em;font-weight:600}

/* ---------- sections / cards ---------- */
section{padding:52px 0}
section.tint{background:var(--bg2);border-top:1px solid var(--line);
  border-bottom:1px solid var(--line)}
.shead{margin-bottom:26px}
.shead h2{font-size:clamp(25px,3.2vw,34px);margin-bottom:9px}
.shead p{color:var(--ink2);margin:0;max-width:68ch}
.kicker{font-size:12px;font-weight:750;letter-spacing:.1em;text-transform:uppercase;
  color:var(--brand);margin-bottom:9px}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--rad);
  padding:22px;box-shadow:var(--shadow)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:16px}

/* ---------- metrics ---------- */
.metrics{display:grid;grid-template-columns:repeat(auto-fit,minmax(168px,1fr));gap:14px}
.metric{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 17px}
.metric .lab{font-size:12px;color:var(--mut);font-weight:650;text-transform:uppercase;
  letter-spacing:.05em;margin-bottom:7px}
.metric .val{font-size:28px;font-weight:750;letter-spacing:-.03em;line-height:1.05}
.metric .sub{font-size:12.5px;color:var(--mut);margin-top:5px}
.metric.hi{background:var(--brandbg);border-color:#d6e2ff}
.metric.hi .val{color:var(--brand)}
.pos{color:var(--green)} .neg{color:var(--red)}

/* ---------- tables ---------- */
.tw{overflow-x:auto;border:1px solid var(--line);border-radius:var(--rad);background:#fff}
table{width:100%;border-collapse:collapse;font-size:14.5px}
th{text-align:left;padding:12px 15px;font-size:11.5px;letter-spacing:.06em;
  text-transform:uppercase;color:var(--mut);font-weight:700;background:var(--bg2);
  border-bottom:1px solid var(--line);white-space:nowrap}
th.sortable{cursor:pointer;user-select:none}
th.sortable:hover{color:var(--brand)}
td{padding:12px 15px;border-bottom:1px solid var(--line2);white-space:nowrap}
tbody tr:last-child td{border-bottom:0}
tbody tr:hover{background:var(--bg2)}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}
/* Results tables size to their content by default, which pushed the page wider than a
   phone screen. Fill the column instead and let the label wrap; keep figures unbroken. */
table.lines{width:100%;table-layout:fixed;margin-top:18px;font-size:13.5px}
table.lines td{overflow-wrap:anywhere}
table.lines td.num{white-space:nowrap;width:44%}

/* ---------- zoning ---------- */
.badge{display:inline-flex;align-items:center;gap:6px;padding:4px 11px;border-radius:999px;
  font-size:12.5px;font-weight:700;white-space:nowrap}
.badge:before{content:"";width:7px;height:7px;border-radius:50%;background:currentColor}
.b-green{color:var(--green);background:var(--greenbg)}
.b-amber{color:var(--amber);background:var(--amberbg)}
.b-red{color:var(--red);background:var(--redbg)}
.b-none{color:var(--mut);background:var(--bg3)}
.zrow{display:grid;grid-template-columns:190px minmax(0,1fr);gap:16px;padding:15px 0;
  border-top:1px solid var(--line2);font-size:14.5px}
.zrow dt{color:var(--mut);font-weight:650;font-size:13px;min-width:0;overflow-wrap:anywhere}
.zrow dd{margin:0;color:var(--ink2);min-width:0;overflow-wrap:anywhere}
@media(max-width:640px){.zrow{grid-template-columns:minmax(0,1fr);gap:5px}}

/* ---------- score ---------- */
.scorewrap{display:grid;grid-template-columns:200px 1fr;gap:30px;align-items:center}
.bigscore{text-align:center}
.bigscore .n{font-size:64px;font-weight:800;letter-spacing:-.04em;line-height:1}
.bigscore .of{font-size:13px;color:var(--mut);margin-top:2px}
.bigscore .lbl{font-size:14px;font-weight:700;margin-top:9px}
.bars{display:flex;flex-direction:column;gap:11px}
.bar{display:grid;grid-template-columns:180px 1fr 48px;gap:13px;align-items:center;
  font-size:13.5px}
.bar .t{color:var(--ink2);font-weight:600}
.track{height:8px;background:var(--bg3);border-radius:99px;overflow:hidden}
.fill{height:100%;background:linear-gradient(90deg,var(--brand2),var(--brand));
  border-radius:99px}
.bar .v{text-align:right;font-weight:700;font-variant-numeric:tabular-nums}
.bar.na .v{color:var(--mut);font-weight:600}
.bar.na .fill{background:var(--line)}
@media(max-width:760px){
  .scorewrap{grid-template-columns:1fr;gap:20px}
  .bar{grid-template-columns:120px 1fr 42px;gap:9px;font-size:12.5px}
}

/* ---------- forms ---------- */
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.f label{display:block;font-size:12.5px;font-weight:650;color:var(--ink2);margin-bottom:6px}
.f input,.f select{width:100%;padding:11px 13px;font-size:15px;border:1.5px solid var(--line);
  border-radius:9px;font-family:inherit;background:#fff;color:var(--ink);
  font-variant-numeric:tabular-nums}
.f input:focus,.f select:focus{outline:0;border-color:var(--brand);
  box-shadow:0 0 0 3px rgba(26,86,219,.1)}
.fieldset{margin-bottom:24px}
.fieldset h3{font-size:15px;margin-bottom:13px;padding-bottom:9px;
  border-bottom:1px solid var(--line)}
/* These fields hold short numbers -- "3", "20", "6000". Stacking every one of them full
   width made the underwriter ~3,900px tall on a phone, so the results sat far below the
   fold. Keep two up; only go single-column when the screen is genuinely narrow. */
@media(max-width:640px){.grid3{grid-template-columns:1fr 1fr}}
@media(max-width:420px){.grid2,.grid3{grid-template-columns:1fr}}
/* Form on the left, results card on the right, sticky as you scroll. Below 900px the
   two columns stack and the card MUST stop being sticky -- a sticky element in a
   single-column flow sits on top of the form and hides it. T hit exactly that on
   mobile (2026-09-08); it was inline CSS before, so no media query could reach it. */
.splitgrid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,420px);gap:28px}
.splitgrid.narrow{grid-template-columns:minmax(0,1fr) minmax(0,400px)}
.stickycard{position:sticky;top:78px}
@media(max-width:900px){
  .splitgrid,.splitgrid.narrow{grid-template-columns:minmax(0,1fr);gap:20px}
  .stickycard{position:static;top:auto}
}

/* ---------- misc ---------- */
.note{background:var(--bg2);border:1px solid var(--line);border-left:3px solid var(--brand);
  border-radius:9px;padding:15px 17px;font-size:14px;color:var(--ink2);margin:18px 0}
.note.warn{border-left-color:var(--amber);background:var(--amberbg);border-color:#f3e2bd}
.note b{color:var(--ink)}
.tag{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.05em;
  text-transform:uppercase;padding:3px 8px;border-radius:5px;background:var(--bg3);
  color:var(--ink2)}
.tag.soon{background:var(--amberbg);color:var(--amber)}
ul.tick{list-style:none;padding:0;margin:0}
ul.tick li{padding:7px 0 7px 26px;position:relative;font-size:14.5px;color:var(--ink2)}
ul.tick li:before{content:"";position:absolute;left:0;top:14px;width:14px;height:8px;
  border-left:2px solid var(--green);border-bottom:2px solid var(--green);
  transform:rotate(-45deg)}
footer{border-top:1px solid var(--line);padding:32px 0;background:var(--bg2);
  font-size:13.5px;color:var(--mut);margin-top:20px}
footer .wrap{display:flex;gap:18px;flex-wrap:wrap;justify-content:space-between}
footer a{color:var(--ink2)}
.hide{display:none!important}

@media(max-width:860px){
  .menubtn{display:block}
  nav.main{position:absolute;top:62px;left:0;right:0;flex-direction:column;
    align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--line);
    max-height:0;overflow:hidden;transition:max-height .2s;margin:0}
  nav.main.open{max-height:400px}
  nav.main a{padding:14px 22px;border-top:1px solid var(--line2);border-radius:0}
  header.top{position:relative}
  .strip{gap:24px}
  .searchbox{flex-direction:column}
}
@media print{
  header.top,nav.main,footer,.noprint{display:none!important}
  body{font-size:12px}
  .card,.metric{break-inside:avoid;box-shadow:none}
  section{padding:14px 0}
}