:root{--ink:#1f2937;--muted:#6b7280;--line:#e5e7eb;--bg:#ffffff;
--card:#f9fafb;--accent:#0d9488;--accent-dark:#0f766e;--radius:12px}
*{box-sizing:border-box}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,
Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
.wrap{max-width:720px;margin:0 auto;padding:0 20px}
.site-header{border-bottom:1px solid var(--line);background:#fff}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;
padding-top:14px;padding-bottom:14px}
.brand{font-weight:700;font-size:1.1rem;color:var(--ink);text-decoration:none}
.topnav a{margin-left:18px;color:var(--muted);text-decoration:none;font-size:.95rem}
.topnav a:hover{color:var(--accent-dark)}
main{padding:40px 0 56px}
h1{font-size:1.9rem;line-height:1.25;margin:0 0 8px}
.lede{color:var(--muted);margin:0 0 24px}
.tool-card{background:var(--card);border:1px solid var(--line);border-radius:
var(--radius);padding:28px;margin-bottom:28px}
.field{margin-bottom:16px}
label{display:block;font-size:.85rem;font-weight:600;margin-bottom:6px}
input[type=number]{width:100%;padding:12px;border:1px solid var(--line);
border-radius:8px;font-size:1rem}
input[type=range]{width:100%}
.btn{background:var(--accent);color:#fff;border:0;border-radius:8px;
padding:12px 20px;font-size:1rem;font-weight:600;cursor:pointer;width:100%}
.btn:hover{background:var(--accent-dark)}
.result{margin-top:20px;background:#fff;border:1px solid var(--line);
border-radius:8px;padding:18px;display:none}
.result.show{display:block}
.result .big{font-size:2rem;font-weight:700;color:var(--accent-dark)}
.result .row{display:flex;justify-content:space-between;padding:6px 0;
border-bottom:1px dashed var(--line)}
.how h2{font-size:1.3rem;margin:32px 0 10px}
.how ol{padding-left:20px;color:var(--muted)}
.site-footer{border-top:1px solid var(--line);padding:24px 0;color:var(--muted);
font-size:.85rem}
.site-footer .wrap{display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between}
.site-footer a{color:var(--muted);text-decoration:none}
.site-footer a:hover{color:var(--accent-dark)}
.prose h1{font-size:1.7rem}
.prose p{color:var(--ink)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.verdict{border-radius:8px;padding:16px;margin-bottom:20px;font-size:1.05rem}
.verdict .big{font-size:2rem}
.verdict.win{background:#ecfdf5;border:1px solid #a7f3d0}
.verdict.win .big{color:#047857}
.verdict.lose{background:#fef2f2;border:1px solid #fecaca}
.verdict.lose .big{color:#b91c1c}
.verdict.even{background:#f9fafb;border:1px solid var(--line)}
.verdict.warn{background:#fffbeb;border:1px solid #fde68a}
.compare-title{font-size:1.1rem;margin:8px 0 12px}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.scenario{border:1px solid var(--line);border-radius:8px;padding:14px}
.scenario h4{margin:0 0 8px;font-size:1rem}
.sched{margin-top:10px;font-size:.9rem}
.sched summary{cursor:pointer;color:var(--accent-dark);font-weight:600}
.tablewrap{max-height:320px;overflow:auto;margin-top:8px;border:1px solid var(--line);border-radius:6px}
table{border-collapse:collapse;width:100%;font-size:.8rem}
th,td{padding:6px 8px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
th:first-child,td:first-child{text-align:left}
thead th{position:sticky;top:0;background:var(--card);font-weight:700}
.fine{font-size:.8rem;color:var(--muted);margin:14px 0 0}
.disclaimer{background:#fffbeb;border:1px solid #fde68a;border-radius:8px;padding:14px 16px;color:var(--ink)}
@media(max-width:560px){.grid2,.compare{grid-template-columns:1fr}}
@media(max-width:520px){h1{font-size:1.55rem}.tool-card{padding:20px}}