/* agach.co.il, editorial finance design. Open Sans only (Hebrew font rule). */
:root{
  --paper:#f8f5ee;--panel:#ffffff;--ink:#14201e;--mute:#53615d;--line:#e3ddcf;
  --brand:#0f4c45;--brand-2:#13675d;--deep:#0a2f2b;--deeper:#071f1c;
  --gold:#b7802a;--gold-ink:#7f5714;--gold-lt:#e2b864;--soft:#edf3f0;--cream:#f3ead8;--link:#1747b5;
  --radius:18px;--wrap:1200px;--shadow:0 1px 2px rgba(10,47,43,.06),0 10px 30px -12px rgba(10,47,43,.22);
  --shadow-lg:0 2px 4px rgba(10,47,43,.06),0 24px 60px -20px rgba(10,47,43,.38)
}
@media (prefers-color-scheme:dark){:root{
  --paper:#0b1412;--panel:#121e1b;--ink:#e8eeec;--mute:#a2b1ac;--line:#24332f;
  --brand:#6cc7b7;--brand-2:#8ad7c9;--deep:#081a17;--deeper:#050f0d;
  --gold:#e2b864;--gold-ink:#e9c47c;--gold-lt:#efcd82;--soft:#14231f;--cream:#1b2622;--link:#93b8ff;
  --shadow:0 1px 2px rgba(0,0,0,.3),0 12px 30px -14px rgba(0,0,0,.7);--shadow-lg:0 24px 60px -20px rgba(0,0,0,.8)
}}
*{box-sizing:border-box}
html{scroll-behavior:smooth;overflow-x:clip}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:"Open Sans",Arial,sans-serif;font-size:18px;line-height:1.75;overflow-x:clip;-webkit-font-smoothing:antialiased}
a{color:var(--brand)}
img{max-width:100%;height:auto;display:block}
h1,h2,h3{letter-spacing:-.01em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}
@media (min-width:700px){.wrap{padding:0 28px}}
.skip{position:absolute;right:-9999px;top:8px;background:var(--brand);color:#fff;padding:8px 14px;border-radius:8px;z-index:60}
.skip:focus{right:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px}
.ico{width:22px;height:22px;flex:none}.ico.sm{width:16px;height:16px}.ico.lg{width:34px;height:34px}

/* header */
.top{background:color-mix(in srgb,var(--panel) 88%,transparent);backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:70px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.mark{background:linear-gradient(135deg,var(--brand),var(--deep));color:#fff;font-weight:800;border-radius:12px;padding:3px 13px;font-size:22px;letter-spacing:.5px;box-shadow:inset 0 -2px 0 var(--gold)}
@media (prefers-color-scheme:dark){.mark{background:linear-gradient(135deg,#145a51,#0c3833)}}
.mark.small{display:inline-block;font-size:18px;margin-bottom:10px}
.tag{font-size:14px;color:var(--mute);font-weight:600}
nav#nav{display:flex;gap:2px;flex-wrap:wrap;align-items:center}
nav#nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px;padding:7px 12px;border-radius:999px;transition:background .2s,color .2s}
nav#nav a:hover,nav#nav a[aria-current]{background:var(--soft);color:var(--brand)}
nav#nav a.navcta{background:var(--brand);color:#fff;margin-inline-start:6px}
nav#nav a.navcta:hover,nav#nav a.navcta[aria-current]{background:var(--deep);color:#fff}
@media (prefers-color-scheme:dark){nav#nav a.navcta{color:#06201c}nav#nav a.navcta:hover{background:var(--brand-2);color:#06201c}}
.top.over{background:color-mix(in srgb,var(--deeper) 92%,transparent);border-bottom-color:rgba(255,255,255,.08)}
.top.over .logo,.top.over nav#nav a{color:#f1ede3}
.top.over .tag{color:#c9d6d2}
.top.over nav#nav a:hover{background:rgba(255,255,255,.1);color:#fff}
.top.over nav#nav a.navcta{background:var(--gold-lt);color:#14201e}
.top.over nav#nav a.navcta:hover{background:#f3d58e;color:#14201e}
.top.over .menu{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.2);color:#fff}
.menu{display:none;align-items:center;gap:8px;font:inherit;font-size:15px;font-weight:600;background:var(--soft);border:1px solid var(--line);color:var(--ink);border-radius:999px;padding:7px 14px;cursor:pointer}
.burger,.burger::before,.burger::after{display:block;width:16px;height:2px;background:currentColor;border-radius:2px;position:relative}
.burger::before,.burger::after{content:"";position:absolute;inset-inline-start:0}
.burger::before{top:-5px}.burger::after{top:5px}
@media (max-width:900px){
  .tag{display:none}.menu{display:inline-flex}
  nav#nav{display:none;position:absolute;top:70px;inset-inline:0;background:var(--panel);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 16px 16px;box-shadow:var(--shadow)}
  .top.over nav#nav{background:var(--deeper)}
  nav#nav.open{display:flex}
  nav#nav a.navcta{margin:6px 0 0;text-align:center}
}

/* reading progress */
.progress{position:fixed;top:0;inset-inline:0;height:3px;z-index:50;pointer-events:none}
.progress span{display:block;height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-lt));transform:scaleX(0);transform-origin:right center}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--brand);color:#fff;text-decoration:none;font-weight:700;border-radius:999px;padding:12px 26px;font-size:16px;transition:transform .25s,box-shadow .25s,background .25s;border:1px solid transparent}
.btn:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.btn.gold{background:var(--gold-lt);color:#14201e}
.btn.gold:hover{background:#f0cf86}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.btn.ghost:hover{background:rgba(255,255,255,.1)}
.kicker{display:inline-block;font-size:14px;font-weight:700;letter-spacing:.06em;color:var(--gold-lt);margin:0 0 14px;padding-bottom:6px;border-bottom:2px solid currentColor}

/* hero */
.hero{position:relative;isolation:isolate;min-height:min(86vh,780px);display:flex;align-items:center;color:#fff;overflow:hidden;background:var(--deeper)}
.hpic{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-3}
.hshade{position:absolute;inset:0;z-index:-2;background:
  linear-gradient(270deg,rgba(5,22,20,.94) 0%,rgba(5,22,20,.78) 38%,rgba(5,22,20,.25) 75%,rgba(5,22,20,.15) 100%),
  linear-gradient(0deg,rgba(5,22,20,.85) 0%,rgba(5,22,20,0) 40%)}
.curve{position:absolute;left:0;bottom:0;width:56%;height:78%;z-index:-1;pointer-events:none}
@media (max-width:860px){.curve{width:100%;height:42%;opacity:.75}}
.curve .grid path{stroke:rgba(255,255,255,.07);stroke-width:1}
.curve .cline{stroke-width:3;stroke-linecap:round}
.curve .cline.ghost{stroke:rgba(226,184,100,.35);stroke-width:2;stroke-dasharray:6 10}
.curve .cdots circle{fill:#071f1c;stroke:#f3d58e;stroke-width:3}
.hinner{padding-top:72px;padding-bottom:150px;width:100%}
.hero h1{font-size:clamp(40px,7vw,84px);line-height:1.04;margin:0 0 20px;font-weight:800;max-width:11ch;text-wrap:balance}
.lede{max-width:560px;font-size:clamp(18px,1.6vw,21px);font-weight:300;line-height:1.7;margin:0 0 30px;color:#e7ece9}
.ctas{display:flex;flex-wrap:wrap;gap:12px}
@media (prefers-reduced-motion:no-preference){
  .hinner>*{animation:rise .9s cubic-bezier(.2,.7,.1,1) both}
  .hinner>:nth-child(2){animation-delay:.08s}.hinner>:nth-child(3){animation-delay:.16s}.hinner>:nth-child(4){animation-delay:.24s}
  .hpic{animation:zoomin 14s ease-out both}
}
@keyframes rise{from{opacity:0;transform:translateY(26px)}to{opacity:1;transform:none}}
@keyframes zoomin{from{transform:scale(1.08)}to{transform:scale(1)}}

/* start here cards, overlapping the hero */
.starts{position:relative;z-index:2;margin-top:-96px}
.sgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.scard{display:flex;flex-direction:column;background:var(--panel);border-radius:var(--radius);overflow:hidden;text-decoration:none;color:var(--ink);box-shadow:var(--shadow-lg);transition:transform .35s cubic-bezier(.2,.7,.1,1),box-shadow .35s}
.scard:hover{transform:translateY(-6px)}
.scard .cimg{aspect-ratio:16/9}
.sbody{padding:20px 22px 24px;position:relative}
.step{position:absolute;top:-28px;inset-inline-start:20px;width:52px;height:52px;border-radius:50%;display:grid;place-items:center;background:var(--deep);color:var(--gold-lt);font-weight:800;font-size:17px;border:3px solid var(--panel)}
.scard h3{font-size:21px;line-height:1.35;margin:4px 0 8px}
.scard p{margin:0;color:var(--mute);font-size:15.5px;line-height:1.6}

/* cards */
.cimg{display:block;overflow:hidden;background:var(--cream);position:relative}
.cpic{width:100%;height:100%;object-fit:cover;transition:transform .8s cubic-bezier(.2,.7,.1,1)}
a:hover .cpic,a:focus-visible .cpic{transform:scale(1.05)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{display:flex;flex-direction:column;background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;text-decoration:none;color:var(--ink);transition:transform .35s cubic-bezier(.2,.7,.1,1),box-shadow .35s,border-color .35s}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:transparent}
.card .cimg{aspect-ratio:16/9}
.cbody{display:flex;flex-direction:column;padding:18px 20px 20px;flex:1}
.ccat{font-size:13px;font-weight:700;color:var(--gold-ink);letter-spacing:.03em;text-decoration:none}
.card h3{font-size:19px;line-height:1.4;margin:6px 0 8px}
.card p{margin:0 0 14px;color:var(--mute);font-size:15.5px;line-height:1.6}
.cmore{display:inline-flex;align-items:center;gap:6px;margin-top:auto;font-size:13.5px;color:var(--mute);font-weight:600}

/* concepts band */
.concepts{background:var(--deep);color:#eef2f0;margin-top:72px;padding:64px 0;position:relative;overflow:hidden}
.concepts::before{content:"";position:absolute;inset:0;background:radial-gradient(60% 80% at 85% 0%,rgba(226,184,100,.16),transparent 60%),radial-gradient(50% 70% at 0% 100%,rgba(108,199,183,.12),transparent 60%);pointer-events:none}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;position:relative;border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:36px;margin-bottom:36px}
.stats div{text-align:center}
.stats b{display:block;font-size:clamp(46px,6vw,72px);font-weight:800;line-height:1;color:var(--gold-lt);font-variant-numeric:tabular-nums}
.stats span{display:block;margin-top:8px;font-size:16px;color:#c9d6d2;font-weight:600}
.tiles{display:grid;grid-template-columns:repeat(6,1fr);gap:14px;position:relative}
.tile{display:flex;flex-direction:column;align-items:center;gap:12px;padding:22px 10px;border-radius:16px;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.04);color:#f1ede3;text-decoration:none;font-weight:700;font-size:16px;text-align:center;transition:transform .3s,background .3s,border-color .3s}
.tile .ico{color:var(--gold-lt)}
.tile:hover{transform:translateY(-4px);background:rgba(255,255,255,.08);border-color:rgba(226,184,100,.5)}

/* magazine category blocks */
.block{margin-top:84px}
.bhead{display:flex;align-items:flex-end;gap:18px;margin-bottom:26px;border-bottom:1px solid var(--line);padding-bottom:18px}
.bhead>div{flex:1}
.bhead h2{font-size:clamp(28px,3.4vw,40px);line-height:1.15;margin:0 0 6px;font-weight:800}
.bhead h2 a{color:inherit;text-decoration:none}
.bintro{margin:0;color:var(--mute);font-size:17px}
.num{font-size:clamp(44px,5vw,64px);font-weight:300;line-height:.9;color:var(--gold)}
.more{display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:15px;text-decoration:none;white-space:nowrap;padding:8px 0}
.more:hover{text-decoration:underline}
.maggrid{display:grid;grid-template-columns:1.35fr 1fr;gap:26px;align-items:stretch}
.mag.flip .maggrid{grid-template-columns:1fr 1.35fr}
.mag.flip .maggrid>:first-child{order:2}
.card.lead{height:100%}
.card.lead .cimg{aspect-ratio:16/10}
.card.lead h3{font-size:clamp(22px,2.2vw,28px)}
.side{display:flex;flex-direction:column;gap:16px}
.mini{display:grid;grid-template-columns:42% 1fr;gap:16px;align-items:center;background:var(--panel);border:1px solid var(--line);border-radius:16px;overflow:hidden;text-decoration:none;color:var(--ink);flex:1;transition:transform .3s,box-shadow .3s}
.mini:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.mimg{display:block;height:100%;min-height:118px;overflow:hidden;background:var(--cream)}
.mbody{padding:12px 4px 12px 16px;display:flex;flex-direction:column;gap:6px}
.mini h3{font-size:16.5px;line-height:1.45;margin:0}

/* calculator teaser */
.teaser{margin-top:90px;display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:center;background:linear-gradient(135deg,var(--deep),#0f4c45);color:#eef2f0;border-radius:28px;padding:44px;position:relative;overflow:hidden;box-shadow:var(--shadow-lg)}
.teaser::after{content:"";position:absolute;inset:auto -10% -50% auto;width:60%;height:120%;background:radial-gradient(closest-side,rgba(226,184,100,.22),transparent);pointer-events:none}
.teaser h2{font-size:clamp(28px,3.4vw,42px);line-height:1.15;margin:0 0 12px;font-weight:800;color:#fff}
.teaser p{margin:0 0 24px;color:#d3ddd9;font-size:18px;font-weight:300}
.tvis{position:relative;z-index:1}
.flows{width:100%;height:auto}
.flows .axis{stroke:rgba(255,255,255,.3);stroke-width:2}
.flows .bars rect{fill:#6cc7b7;transform-box:fill-box;transform-origin:50% 100%}
.flows .bars rect.big{fill:var(--gold-lt)}
.flows .pull{stroke:#fff;stroke-width:2.5;stroke-dasharray:5 7;opacity:.6}
.flows .lbl{fill:#d3ddd9;font-size:15px;font-weight:600;font-family:"Open Sans",Arial,sans-serif;text-anchor:middle;direction:rtl}

/* closing band */
.closing{position:relative;isolation:isolate;margin-top:96px;color:#fff;overflow:hidden;background:var(--deeper)}
.cpic2{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.cshade{position:absolute;inset:0;z-index:-1;background:linear-gradient(270deg,rgba(5,22,20,.94),rgba(5,22,20,.78) 55%,rgba(5,22,20,.6))}
.cinner{padding-top:96px;padding-bottom:96px}
.closing h2{font-size:clamp(24px,3vw,36px);line-height:1.4;font-weight:700;max-width:760px;margin:0 0 28px}

/* banners (category, guides, calculator) */
.banner{position:relative;isolation:isolate;color:#fff;overflow:hidden;background:var(--deeper);min-height:min(56vh,480px);display:flex;align-items:flex-end}
.bpic{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.bshade{position:absolute;inset:0;z-index:-1;background:linear-gradient(0deg,rgba(5,22,20,.94) 0%,rgba(5,22,20,.6) 45%,rgba(5,22,20,.2) 100%),linear-gradient(270deg,rgba(5,22,20,.55),transparent 70%)}
.binner{padding-top:60px;padding-bottom:44px;width:100%}
.banner h1{font-size:clamp(36px,6vw,68px);line-height:1.05;margin:0 0 14px;font-weight:800}
.banner .bintro{color:#e2e9e6;font-size:clamp(17px,1.6vw,20px);font-weight:300;max-width:680px}
.crumbs{font-size:14px;color:var(--mute);margin:22px 0 8px}
.crumbs a{color:var(--mute)}
.crumbs.light{color:#c9d6d2;margin:0 0 18px}.crumbs.light a{color:#e7ece9}
.section{padding-top:48px}
.phead{margin:10px 0 24px}.phead h1{font-size:clamp(28px,4vw,38px);margin:0 0 6px}.phead p{color:var(--mute);margin:0}
.section .block:first-child{margin-top:0}

/* article */
.article{max-width:1200px}
.article.solo{max-width:820px}
.alayout{display:grid;grid-template-columns:minmax(0,1fr);gap:0}
@media (min-width:1080px){
  .alayout{grid-template-columns:minmax(0,1fr) 290px;column-gap:56px}
  .alayout>*{grid-column:1}
  .alayout>.ahead,.alayout>.afig{grid-column:1/-1}
  .alayout>.toc{grid-column:2;grid-row:var(--start,3)/span var(--span,4);position:sticky;top:96px;align-self:start;margin:0;max-height:calc(100vh - 120px);overflow:auto}
}
.ahead{max-width:900px}
.pill{display:inline-block;background:var(--cream);border:1px solid var(--line);padding:3px 14px;border-radius:999px}
.ahead h1{font-size:clamp(30px,4.6vw,54px);line-height:1.15;margin:14px 0 14px;font-weight:800;text-wrap:balance}
.meta{color:var(--mute);font-size:15px;margin:0 0 26px;display:flex;flex-wrap:wrap;gap:6px 18px}
.meta span{display:inline-flex;align-items:center;gap:6px}
.meta span+span::before{content:"";width:5px;height:5px;border-radius:50%;background:var(--gold);margin-inline-end:12px}
.afig{margin:0 0 34px;border-radius:24px;overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:16/9;background:var(--cream)}
.apic{width:100%;height:100%;object-fit:cover}
.summary{position:relative;background:linear-gradient(135deg,var(--soft),var(--panel));border:1px solid var(--line);border-radius:18px;padding:22px 24px 22px 24px;padding-inline-start:68px;margin:0 0 30px;font-size:18px}
.summary::before{content:"";position:absolute;inset-inline-start:22px;top:24px;width:30px;height:30px;border-radius:50%;background:var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/16px no-repeat}
.summary strong{color:var(--brand)}
.toc{border:1px solid var(--line);border-radius:18px;padding:18px 20px;margin:0 0 30px;background:var(--panel)}
.toc h2{font-size:13px;letter-spacing:.08em;margin:0 0 10px;color:var(--gold-ink);font-weight:800}
.toc ol{margin:0;padding:0;list-style:none;counter-reset:t}
.toc li{counter-increment:t;margin:0}
.toc a{display:flex;gap:10px;color:var(--ink);text-decoration:none;font-size:15px;line-height:1.5;padding:7px 10px;border-radius:10px;border-inline-start:2px solid transparent;transition:background .2s,border-color .2s,color .2s}
.toc a::before{content:counter(t,decimal-leading-zero);color:var(--mute);font-weight:700;font-size:13px;padding-top:1px}
.toc a:hover{background:var(--soft)}
.toc a.on{background:var(--soft);border-inline-start-color:var(--gold);color:var(--brand);font-weight:700}
.prose{font-size:18.5px}
.prose h2{font-size:clamp(25px,2.6vw,31px);line-height:1.3;margin:52px 0 14px;scroll-margin-top:96px;font-weight:800}
.prose h2::before{content:"";display:block;width:44px;height:3px;background:var(--gold);border-radius:2px;margin-bottom:16px}
.prose h3{font-size:21px;margin:30px 0 8px}
.prose p,.prose li{margin:0 0 16px}
.prose a,.summary a,.faq a,.note-disc a{color:var(--link);text-decoration:underline;text-underline-offset:3px}
.prose a[target=_blank]::after{content:" ↗";font-size:.8em}
.tablewrap{margin:24px 0;overflow-x:auto;border:1px solid var(--line);border-radius:16px;background:var(--panel);box-shadow:var(--shadow)}
.prose table{width:100%;border-collapse:collapse;font-size:16px;min-width:520px}
.prose th,.prose td{padding:12px 16px;text-align:right;vertical-align:top;border-bottom:1px solid var(--line)}
.prose th{background:var(--deep);color:#f1ede3;font-weight:700;font-size:15px}
.prose tbody tr:nth-child(even) td{background:color-mix(in srgb,var(--soft) 60%,transparent)}
.prose tbody tr:last-child td{border-bottom:0}
.prose tbody tr:hover td{background:var(--soft)}
.prose dl{margin:0}.prose dt{font-weight:800;margin-top:22px;color:var(--brand);font-size:19px}.prose dd{margin:4px 0 0;padding-inline-start:16px;border-inline-start:2px solid var(--line)}
.example,.insight{position:relative;border-radius:18px;padding:22px 24px;padding-inline-start:72px;margin:28px 0}
.example::before,.insight::before{content:"";position:absolute;inset-inline-start:22px;top:22px;width:34px;height:34px;border-radius:10px;background-position:center;background-repeat:no-repeat;background-size:20px}
.example{background:var(--panel);border:1px solid var(--line);box-shadow:var(--shadow)}
.example::before{background-color:var(--brand);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='5' y='3' width='14' height='18' rx='2'/%3E%3Cpath d='M9 7h6M9 11h6M9 15h2M14 15h1'/%3E%3C/svg%3E")}
.insight{background:linear-gradient(135deg,#fbf2df,#fff9ee);border:1px solid #ecd6a8}
.insight::before{background-color:var(--gold);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M9 18h6M10 21h4M12 3a6 6 0 0 0-4 10.5c.6.6 1 1.4 1 2.5h6c0-1.1.4-1.9 1-2.5A6 6 0 0 0 12 3z'/%3E%3C/svg%3E")}
@media (prefers-color-scheme:dark){.insight{background:linear-gradient(135deg,#2a2414,#1f1b10);border-color:#5a4a22}.insight::before{background-color:#a77a2a}}
.example ul,.insight ul{margin:10px 0 0}
.faq{margin-top:56px;background:var(--cream);border-radius:24px;padding:30px 28px}
.faq h2,.sources h2{font-size:26px;margin:0 0 18px;font-weight:800}
details{border:1px solid var(--line);border-radius:14px;padding:0;margin-bottom:10px;background:var(--panel);transition:box-shadow .3s}
details[open]{box-shadow:var(--shadow)}
summary{cursor:pointer;font-weight:700;list-style:none;padding:16px 20px;padding-inline-end:56px;position:relative;line-height:1.5}
summary::-webkit-details-marker{display:none}
summary::after{content:"";position:absolute;inset-inline-end:18px;top:50%;width:24px;height:24px;margin-top:-12px;border-radius:50%;background:var(--soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230f4c45' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M12 6v12M6 12h12'/%3E%3C/svg%3E") center/14px no-repeat;transition:transform .3s}
details[open] summary::after{transform:rotate(45deg)}
details p{margin:0;padding:0 20px 18px;color:var(--ink)}
.sources{margin-top:44px}
.sources ol{padding-inline-start:22px;font-size:15px}
.sources li{margin-bottom:6px}
.sources a{color:var(--link)}
.note-disc{font-size:14px;color:var(--mute);border-top:1px solid var(--line);padding-top:16px;margin-top:34px}
.related{background:var(--cream);margin-top:72px;padding:56px 0 64px}
.related h2{font-size:clamp(26px,3vw,34px);margin:0 0 24px;font-weight:800}
.ahead.plain{margin-top:6px}

/* calculator */
.calcwrap{max-width:1100px}
.calc{display:grid;grid-template-columns:1fr 1.15fr;gap:0;background:var(--panel);border:1px solid var(--line);border-radius:26px;margin:0 0 40px;overflow:hidden;box-shadow:var(--shadow-lg)}
.cin{display:grid;gap:18px;padding:32px;align-content:start}
.calc label{display:flex;flex-direction:column;gap:8px;font-weight:600;font-size:16px}
.calc input{font:inherit;font-size:20px;font-weight:700;padding:12px 16px;border:1.5px solid var(--line);border-radius:14px;background:var(--paper);color:var(--ink);direction:ltr;text-align:right;transition:border-color .2s,box-shadow .2s}
.calc input:focus{border-color:var(--brand);box-shadow:0 0 0 4px color-mix(in srgb,var(--brand) 18%,transparent)}
.cres{background:linear-gradient(160deg,var(--deep),#0f4c45);color:#eef2f0;padding:32px;display:flex;flex-direction:column;gap:22px}
.gauge{position:relative;max-width:300px;margin:0 auto;width:100%;text-align:center}
.gauge svg{width:100%;height:auto;display:block}
.gtrack{stroke:rgba(255,255,255,.14);stroke-width:16;stroke-linecap:round}
.gval{stroke:var(--gold-lt);stroke-width:16;stroke-linecap:round}
.gnum{position:absolute;inset:auto 0 18px 0;display:flex;justify-content:center;align-items:baseline;gap:2px;direction:ltr}
.gnum b{font-size:clamp(38px,5vw,52px);font-weight:800;line-height:1;color:#fff;font-variant-numeric:tabular-nums}
.gnum span{font-size:22px;font-weight:700;color:var(--gold-lt)}
.glbl{font-size:15px;color:#c9d6d2;font-weight:600;margin-top:4px}
.cbars{display:grid;gap:12px}
.cbar{display:grid;grid-template-columns:110px 1fr 70px;align-items:center;gap:12px;font-size:15px}
.cl{color:#d3ddd9;font-weight:600}
.ct{height:12px;background:rgba(255,255,255,.1);border-radius:999px;overflow:hidden}
.ct i{display:block;height:100%;width:100%;background:#6cc7b7;border-radius:999px;transform:scaleX(0);transform-origin:right center}
.cbar.hi .ct i{background:var(--gold-lt)}
.cbar b{direction:ltr;text-align:left;font-variant-numeric:tabular-nums;color:#fff}
.calc output{display:block;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:14px;padding:14px 18px;font-size:16px;font-weight:600;color:#f1ede3;line-height:1.6}
.calc.err .gnum b{color:#f3b5a5}

/* footer */
.foot{background:var(--deeper);color:#d9e1de;margin-top:0;padding:56px 0 26px;font-size:15px}
.foot .fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px}
.foot h2{font-size:14px;margin:0 0 12px;color:var(--gold-lt);letter-spacing:.06em;font-weight:800}
.foot ul{list-style:none;margin:0;padding:0}.foot li{margin:6px 0}
.foot a{color:#eef2f0;text-decoration:none}.foot a:hover{text-decoration:underline;color:#fff}
.foot p{color:#b9c6c2;margin:0;max-width:420px}
.foot .mark{background:linear-gradient(135deg,#145a51,#0c3833)}
.disc{color:#a9b8b3;font-size:13px;border-top:1px solid rgba(255,255,255,.1);margin-top:34px;padding-top:18px}
.disc strong{color:#d9e1de}
.copy{color:#a9b8b3;font-size:13px;margin-top:10px}
main{display:block;padding-bottom:80px}
.home main,main:has(.closing){padding-bottom:0}

/* responsive */
@media (max-width:1000px){
  .tiles{grid-template-columns:repeat(3,1fr)}
  .cards{grid-template-columns:repeat(2,1fr)}
  .teaser{grid-template-columns:1fr;padding:32px}
  .calc{grid-template-columns:1fr}
}
@media (max-width:860px){
  .sgrid{grid-template-columns:1fr;gap:34px}
  .starts{margin-top:-70px}
  .maggrid,.mag.flip .maggrid{grid-template-columns:1fr}
  .mag.flip .maggrid>:first-child{order:0}
  .bhead{flex-wrap:wrap}
  .bhead .more{width:100%}
}
@media (max-width:640px){
  body{font-size:17px}
  .prose{font-size:17.5px}
  .cards{grid-template-columns:1fr}
  .tiles{grid-template-columns:repeat(2,1fr)}
  .stats{gap:10px}.stats span{font-size:14px}
  .hinner{padding-top:48px;padding-bottom:120px}
  .hero{min-height:620px}
  .mini{grid-template-columns:38% 1fr}
  .mimg{min-height:104px}
  .mini h3{font-size:15.5px}
  .foot .fgrid{grid-template-columns:1fr}
  .example,.insight{padding:64px 18px 18px}
  .example::before,.insight::before{top:18px;inset-inline-start:18px}
  .summary{padding:20px;padding-top:62px}
  .summary::before{top:20px;inset-inline-start:20px}
  .faq{padding:22px 16px}
  .cin,.cres{padding:22px}
  .cbar{grid-template-columns:92px 1fr 62px;gap:8px;font-size:14px}
  .teaser{padding:26px 20px;border-radius:22px}
  .afig{border-radius:16px;margin-inline:-4px}
  .banner{min-height:380px}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{transition:none!important;animation:none!important}
}