:root{--navy:#003d5c;--navy-deep:#021f30;--mid:#00577d;--teal:#177d89;--light:#63b1c9;--ice:#8dd8e5;--databar:#233f73;--tint:#eaf1f5;--ink:#1a1a1a;--meta:#5a6b7b;--good:#1e7a4f;--good-bright:#2ecf87;--bad:#b04632;--amber:#b7791f;--card:#fff;--line:#d7e0e8;--shadow:0 24px 70px #002d4224;--shadow-soft:0 12px 35px #00354a14}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{color:var(--ink);background:#f6f9fb;font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.6}h1,h2,h3{color:var(--navy);font-family:Georgia,Times New Roman,serif;line-height:1.2}.container{max-width:1120px;margin:0 auto;padding:0 24px}.reveal{opacity:0;transition:opacity .7s,transform .7s;transform:translateY(26px)}.reveal.in{opacity:1;transform:none}.reveal.d1{transition-delay:80ms}.reveal.d2{transition-delay:.16s}.reveal.d3{transition-delay:.24s}@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transition:none;transform:none}html{scroll-behavior:auto}}.hero{color:#fff;background:radial-gradient(circle at 82% 20%, var(--teal) 0, var(--navy) 42%, var(--navy-deep) 100%);padding:110px 0 150px;position:relative;overflow:hidden}.hero-grid-bg{opacity:.11;background-image:linear-gradient(#ffffff40 1px,#0000 1px),linear-gradient(90deg,#ffffff40 1px,#0000 1px);background-size:54px 54px;position:absolute;inset:0;-webkit-mask-image:linear-gradient(#000,#0000 88%);mask-image:linear-gradient(#000,#0000 88%)}.hero-orb{pointer-events:none;border:1px solid #8dd8e547;border-radius:50%;position:absolute}.hero-orb.one{width:560px;height:560px;top:20px;right:-120px}.hero-orb.two{width:330px;height:330px;top:140px;right:10px;box-shadow:inset 0 0 110px #63b1c940}.hero .container{z-index:2;position:relative}.hero .kicker{color:var(--ice);text-transform:uppercase;letter-spacing:.19em;margin-bottom:20px;font-size:12px;font-weight:800}.hero h1{color:#fff;letter-spacing:-.03em;max-width:880px;margin-bottom:24px;font-size:clamp(42px,6.4vw,82px);line-height:1}.hero h1 em{color:var(--ice);font-style:normal}.hero p.lede{color:#c9dce6;max-width:680px;font-size:20px;line-height:1.7}.hero-facts{z-index:3;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));max-width:1120px;margin:-78px auto 0;padding:0 24px;display:grid;position:relative}.hero-facts .inner{-webkit-backdrop-filter:blur(12px);box-shadow:var(--shadow);background:#021b29b8;border:1px solid #ffffff29;border-radius:14px;grid-column:1/-1;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));display:grid;overflow:hidden}.hero-facts .fact{color:#fff;border-right:1px solid #ffffff1f;padding:26px 28px}.hero-facts .fact:last-child{border-right:0}.hero-facts b{letter-spacing:-.02em;font-family:Georgia,serif;font-size:30px;display:block}.hero-facts span{color:#9fc4d4;font-size:13px}.section{padding:84px 0}.section.alt{background:var(--tint)}.section h2{letter-spacing:-.02em;margin-bottom:10px;font-size:clamp(28px,3.8vw,42px)}.section .sub{color:var(--meta);max-width:720px;margin-bottom:34px;font-size:17px}.section h3{margin:34px 0 12px;font-size:21px}.prose p{max-width:740px;margin-bottom:14px}.eyebrow{color:var(--teal);text-transform:uppercase;letter-spacing:.16em;margin-bottom:10px;font-size:12px;font-weight:800}.panel{color:#fff;box-shadow:var(--shadow);background:linear-gradient(140deg,#0c5a71,#073248);border-radius:18px;margin:34px 0;padding:54px 50px}.panel h2,.panel h3{color:#fff}.panel .eyebrow{color:var(--ice)}.panel p{color:#c9dce6;max-width:720px}.cards{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin:28px 0;display:grid}.card{background:var(--card);border:1px solid var(--line);box-shadow:var(--shadow-soft);border-radius:14px;padding:26px;transition:transform .25s,box-shadow .25s}.card:hover{box-shadow:var(--shadow);transform:translateY(-4px)}.card h3{margin:0 0 10px;font-size:16px}.card .big{letter-spacing:-.02em;color:var(--databar);font-family:Georgia,serif;font-size:36px;font-weight:700}.card .big.green{color:var(--good)}.card p{color:var(--meta);margin-top:8px;font-size:14px}.card.stat-dark{background:linear-gradient(150deg, var(--navy), var(--navy-deep));color:#fff;border:0}.card.stat-dark h3{color:var(--ice)}.card.stat-dark .big{color:#fff}.card.stat-dark p{color:#9fc4d4}.num-card-rank{background:var(--tint);width:34px;height:34px;color:var(--mid);border-radius:50%;place-items:center;margin-bottom:12px;font-family:Georgia,serif;font-weight:800;display:inline-grid}.bars{gap:18px;max-width:820px;margin:26px 0;display:grid}.bar-row .bar-label{color:var(--navy);justify-content:space-between;margin-bottom:6px;font-size:14px;font-weight:700;display:flex}.bar-row .bar-label .val{font-family:Georgia,serif;font-size:18px}.bar-track{background:#e2ebf1;border-radius:999px;height:26px;overflow:hidden}.bar-fill{border-radius:999px;width:0;height:100%;transition:width 1.1s cubic-bezier(.22,1,.36,1)}.bar-fill.green{background:linear-gradient(90deg, var(--good), var(--good-bright))}.bar-fill.red{background:linear-gradient(90deg,#8f3423,#d3603f)}.bar-fill.blue{background:linear-gradient(90deg, var(--databar), var(--light))}table{border-collapse:collapse;border:1px solid var(--line);width:100%;box-shadow:var(--shadow-soft);background:#fff;border-radius:12px;margin:20px 0;font-size:15px;overflow:hidden}th{background:var(--navy);color:#fff;text-align:left;text-transform:uppercase;letter-spacing:.05em;padding:12px 15px;font-size:13px;font-weight:600}td{border-top:1px solid var(--line);padding:11px 15px}tbody tr{transition:background .15s}tbody tr:hover{background:#f2f7fa}tr.total td{background:var(--tint);font-weight:700}td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}.good{color:var(--good);font-weight:600}.bad{color:var(--bad);font-weight:600}.amber{color:var(--amber);font-weight:600}.callout{border-left:4px solid var(--mid);background:var(--tint);border-radius:0 12px 12px 0;max-width:780px;margin:26px 0;padding:22px 26px}.callout.win{border-left-color:var(--good);background:#edf7f1}.callout.warn{border-left-color:var(--amber);background:#fdf6ea}.callout b.headline{color:var(--navy);margin-bottom:7px;font-family:Georgia,serif;font-size:19px;display:block}.calc{border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;border-radius:18px;margin:28px 0;padding:34px}.calc-grid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin-bottom:18px;display:grid}.field label{text-transform:uppercase;letter-spacing:.06em;color:var(--mid);margin-bottom:6px;font-size:12px;font-weight:800;display:block}.field input[type=number],.field select{border:1.5px solid var(--line);background:#fffef2;border-radius:9px;width:100%;padding:10px 12px;font-family:inherit;font-size:16px;transition:border-color .15s,box-shadow .15s}.field input:focus,.field select:focus{border-color:var(--mid);outline:none;box-shadow:0 0 0 3px #63b1c94d}.field .hint{color:var(--meta);margin-top:4px;font-size:12px}.slider-field input[type=range]{width:100%;accent-color:var(--mid)}.month-table input[type=number]{border:1.5px solid var(--line);text-align:right;background:#fffef2;border-radius:7px;width:72px;padding:6px 8px;font-size:15px}.month-table select{border:1.5px solid var(--line);background:#fffef2;border-radius:7px;padding:5px 8px}.result-band{flex-wrap:wrap;gap:16px;margin-top:24px;display:flex}.result{background:linear-gradient(150deg, var(--navy), var(--navy-deep));color:#fff;min-width:210px;box-shadow:var(--shadow-soft);border-radius:14px;flex:1;padding:22px 24px}.result.secondary{background:linear-gradient(150deg, var(--mid), var(--navy))}.result.value{background:linear-gradient(150deg, var(--good), #10593a)}.result b{letter-spacing:-.02em;font-family:Georgia,serif;font-size:34px;display:block}.result span{color:#ffffffd9;font-size:13px}.reset-btn{border:1.5px solid var(--mid);color:var(--mid);cursor:pointer;background:0 0;border-radius:9px;padding:9px 18px;font-family:inherit;font-size:14px;font-weight:700;transition:background .15s,color .15s}.reset-btn:hover{background:var(--mid);color:#fff}.gate{background:radial-gradient(circle at 80% 20%, var(--teal) 0, var(--navy) 42%, var(--navy-deep) 100%);text-align:center;flex-direction:column;justify-content:center;align-items:center;min-height:100vh;padding:24px;display:flex;position:relative;overflow:hidden}.gate:before{content:"";opacity:.1;background-image:linear-gradient(#ffffff40 1px,#0000 1px),linear-gradient(90deg,#ffffff40 1px,#0000 1px);background-size:54px 54px;position:absolute;inset:0}.gate>*{z-index:1;position:relative}.gate .brand{color:#fff;letter-spacing:.1em;margin-bottom:8px;font-family:Georgia,serif;font-size:24px}.gate .brand small{color:var(--ice);letter-spacing:.26em;font-size:12px;display:block}.gate h1{color:#fff;letter-spacing:-.02em;max-width:620px;margin:24px 0 12px;font-size:clamp(30px,4.6vw,46px)}.gate p{color:#c9dce6;max-width:480px;margin-bottom:28px}.gate form{flex-wrap:wrap;justify-content:center;gap:10px;display:flex}.gate input{background:#fffffff0;border:1px solid #ffffff40;border-radius:9px;min-width:250px;padding:13px 18px;font-size:16px}.gate button{background:var(--ice);color:var(--navy);letter-spacing:.03em;cursor:pointer;border:none;border-radius:9px;padding:13px 28px;font-size:15px;font-weight:800;transition:filter .15s,transform .15s}.gate button:hover{filter:brightness(1.08);transform:translateY(-1px)}.gate .error{color:#ffb3a0;margin-top:14px;font-size:14px}.topnav{-webkit-backdrop-filter:blur(10px);z-index:20;background:#021f30eb;border-bottom:1px solid #ffffff14;padding:15px 0;position:sticky;top:0}.topnav .container{flex-wrap:wrap;align-items:center;gap:24px;display:flex}.topnav .brand{color:#fff;letter-spacing:.07em;margin-right:auto;font-family:Georgia,serif;font-weight:700;text-decoration:none}.topnav a.nav-link{color:#b7d2df;text-transform:uppercase;letter-spacing:.07em;font-size:13px;font-weight:700;text-decoration:none;transition:color .15s}.topnav a.nav-link:hover{color:#fff}footer{background:var(--navy-deep);color:#8aa9ba;margin-top:48px;padding:36px 0;font-size:13px}@media (max-width:640px){.month-table{font-size:13px}.month-table input[type=number]{width:58px}.hero{padding:80px 0 130px}.panel{padding:36px 26px}}