:root {
  --ink: #0e1512;
  --ink-2: #141d19;
  --ink-3: #1b2621;
  --bone: #f2eee3;
  --bone-2: #e2dccd;
  --cover: #3f7f6a;
  --peril: #c0742f;
  --retain: #b8432f;
  --wire: #6b7f78;
  --muted: #84968f;
  --line: rgba(242, 238, 227, 0.14);
  --ease: cubic-bezier(0.2, 0.8, 0.2, 1);
  --dur: 160ms;
  --mono: ui-monospace, "SFMono-Regular", "Cascadia Mono", Menlo, Consolas, "Liberation Mono", monospace;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background-color: var(--ink);
  background-image:
    repeating-linear-gradient(45deg, rgba(242, 238, 227, 0.022) 0 1px, transparent 1px 9px),
    radial-gradient(760px 380px at 12% -10%, rgba(63, 127, 106, 0.18), transparent 66%);
  color: var(--bone);
  font: 400 17px/1.62 system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}
a { color: #9ccfba; text-underline-offset: 3px; }
a:hover { color: #fff; }
:focus-visible { outline: 2px solid #9ccfba; outline-offset: 3px; }
.skip { position: absolute; left: -9999px; top: 0; background: var(--cover); color: #06110c; padding: 10px 14px; z-index: 9; }
.skip:focus { left: 8px; top: 8px; }
.top { border-bottom: 3px double var(--line); background: linear-gradient(180deg, var(--ink-2), var(--ink)); }
.bar { max-width: 1160px; margin: 0 auto; padding: 15px 20px; display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.brand { font-weight: 700; letter-spacing: 0.02em; color: var(--bone); text-decoration: none; font-size: 18px; display: inline-flex; align-items: center; gap: 9px; }
.mark { color: var(--peril); font-size: 18px; }
.menu { display: flex; gap: 2px; flex-wrap: wrap; margin-left: auto; }
.menu a { color: var(--bone); text-decoration: none; padding: 7px 10px; font-size: 14.5px; border-bottom: 2px solid transparent; transition: border-color var(--dur) var(--ease), color var(--dur) var(--ease); }
.menu a:hover { color: #9ccfba; border-bottom-color: var(--wire); }
.menu a[aria-current="page"] { border-bottom-color: var(--peril); color: #e8c39a; }
.btn { display: inline-block; background: var(--cover); color: #06110c; text-decoration: none; font-weight: 650; padding: 10px 16px; font-size: 14.5px; letter-spacing: 0.01em; border-bottom: 3px solid #2d6050; transition: background-color var(--dur) var(--ease); }
.btn:hover { background: #4f9c83; color: #04100b; }
.ghost { display: inline-block; border: 1px solid var(--line); color: var(--bone); text-decoration: none; padding: 9px 15px; font-size: 14.5px; border-bottom: 3px solid transparent; transition: border-color var(--dur) var(--ease); }
.ghost:hover { border-bottom-color: var(--peril); color: #e8c39a; }
.shell { max-width: 1160px; margin: 0 auto; padding: 0 20px 64px; }
.disc { margin: 22px 0 0; display: flex; gap: 14px; align-items: flex-start; background: var(--ink-3); border: 1px solid var(--line); border-left: 4px solid var(--peril); padding: 14px 16px; font-size: 14.5px; color: #dfe4dc; }
.dir { font: 600 10.5px/1 var(--mono); letter-spacing: 0.16em; text-transform: uppercase; padding: 6px 8px; white-space: nowrap; border: 1px solid currentColor; }
.dir-money { color: #e8c39a; }
.page-hero { padding: 32px 0 6px; }
.crumb-line { font: 500 11.5px/1 var(--mono); letter-spacing: 0.16em; text-transform: uppercase; color: var(--muted); margin-bottom: 16px; }
.ledger-head { display: grid; grid-template-columns: minmax(0, 1.6fr) minmax(290px, 1fr); gap: 28px; align-items: start; }
.ledger-body .eyebrow { font: 600 11.5px/1 var(--mono); letter-spacing: 0.16em; text-transform: uppercase; color: var(--peril); }
h1 { font-size: clamp(30px, 4.4vw, 47px); line-height: 1.07; letter-spacing: -0.026em; margin: 12px 0 14px; }
.lede { font-size: 19px; color: #dbe1d8; margin: 0 0 18px; max-width: 62ch; }
.hero-cta { display: flex; gap: 10px; flex-wrap: wrap; margin: 18px 0 4px; }
.stub { background: var(--bone); color: #1b211c; padding: 0 18px 18px; border-top: 5px solid var(--peril); box-shadow: 0 14px 32px rgba(0, 0, 0, 0.4); }
.stub strong { display: block; font: 600 11px/1 var(--mono); letter-spacing: 0.16em; text-transform: uppercase; color: #4d5850; margin: 16px 0 12px; }
.stub dl { margin: 0; display: grid; grid-template-columns: auto 1fr; gap: 8px 12px; font-size: 14px; }
.stub dt { color: #5c665e; }
.stub dd { margin: 0; font: 500 13.5px/1.45 var(--mono); }
.splitstrip { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1px; margin: 24px 0 6px; background: var(--line); border: 1px solid var(--line); }
.schip { padding: 14px 15px; background: var(--ink-2); }
.schip b { display: block; font: 600 11px/1 var(--mono); letter-spacing: 0.15em; text-transform: uppercase; margin-bottom: 8px; }
.schip span { font-size: 14.5px; color: #d5dbd2; }
.schip-one b { color: var(--peril); }
.schip-two b { color: #9ccfba; }
.schip-three b { color: #e08a78; }
main h2 { font-size: clamp(22px, 2.7vw, 30px); line-height: 1.2; letter-spacing: -0.018em; margin: 44px 0 16px; padding-bottom: 10px; border-bottom: 3px double var(--line); }
h3 { font-size: 18.5px; margin: 0 0 8px; letter-spacing: -0.008em; }
p { margin: 0 0 13px; }
.answer { background: var(--ink-2); border: 1px solid var(--line); border-left: 4px solid var(--cover); padding: 16px 18px; margin: 22px 0 8px; font-size: 18px; }
.answer b { display: block; font: 600 10.5px/1 var(--mono); letter-spacing: 0.16em; text-transform: uppercase; color: #9ccfba; margin-bottom: 9px; }
.doc-head { display: flex; flex-wrap: wrap; gap: 6px 20px; padding: 12px 0 14px; border-bottom: 1px solid var(--line); margin-bottom: 8px; font: 500 12.5px/1.5 var(--mono); color: #b6c2b8; }
.doc-head b { color: var(--peril); font-weight: 600; }
.entry { display: grid; grid-template-columns: 104px minmax(0, 1fr); gap: 18px; padding: 20px 0; border-bottom: 1px solid var(--line); }
.entry .ref { font: 600 11.5px/1.4 var(--mono); letter-spacing: 0.1em; text-transform: uppercase; color: var(--peril); border-right: 1px solid var(--line); padding-right: 10px; }
.entry .body p { color: #dde2d9; }
.calc { background: var(--bone); color: #1b211c; padding: 16px 18px; margin: 20px 0; overflow-x: auto; border-left: 5px solid var(--retain); }
.calc b { display: block; font: 600 12px/1 var(--mono); letter-spacing: 0.1em; text-transform: uppercase; color: #4d5850; margin-bottom: 12px; }
.calc { white-space: pre; font: 500 13px/1.72 var(--mono); }
.note { background: var(--ink-2); border: 1px solid var(--line); border-left: 4px solid var(--peril); padding: 13px 16px; margin: 20px 0; font-size: 15.5px; color: #d8ded5; }
.note b { color: #e8c39a; }
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(232px, 1fr)); gap: 1px; margin: 20px 0; background: var(--line); border: 1px solid var(--line); }
.card { background: var(--bone); color: #1b211c; padding: 15px 16px; border-top: 4px solid var(--cover); }
.card h3 { font-size: 16px; }
.card p { font-size: 14.5px; margin: 0; color: #3f4a43; }
.card-peril { border-top-color: var(--peril); }
.card-retain { border-top-color: var(--retain); }
.card-desk { border-top-color: var(--wire); }
.twocol { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 18px; margin: 20px 0; }
.twocol > div { border-top: 4px solid var(--cover); padding-top: 12px; }
.twocol > div + div { border-top-color: var(--retain); }
.twocol p { font-size: 15.5px; color: #d8ded5; }
.steps { margin: 18px 0; padding-left: 0; list-style: none; counter-reset: s; }
.steps li { counter-increment: s; position: relative; padding: 12px 0 12px 52px; border-bottom: 1px solid var(--line); color: #dbe1d8; }
.steps li::before { content: counter(s, decimal-leading-zero); position: absolute; left: 0; top: 13px; font: 600 12px/1 var(--mono); color: var(--peril); border: 1px solid var(--line); padding: 5px 7px; }
.navlinks { display: grid; grid-template-columns: repeat(auto-fit, minmax(232px, 1fr)); gap: 1px; margin: 28px 0 6px; background: var(--line); border: 1px solid var(--line); }
.navlink { padding: 13px 14px; background: var(--ink-2); }
.navlink a { font-weight: 600; text-decoration: none; color: #9ccfba; }
.navlink a:hover { color: #fff; }
.navlink p { margin: 7px 0 0; font-size: 14px; color: #c2cbc2; }
.tags { margin: 20px 0 8px; display: flex; flex-wrap: wrap; gap: 8px; }
.tag { font: 600 11px/1 var(--mono); letter-spacing: 0.1em; text-transform: uppercase; padding: 7px 10px; border: 1px solid var(--line); }
.tag-count { color: #9ccfba; border-color: rgba(63, 127, 106, 0.9); }
.tag-kept { color: #e08a78; border-color: rgba(184, 67, 47, 0.8); }
.tag-spent { color: #e8c39a; border-color: rgba(192, 116, 47, 0.8); }
.tag-note { color: #b6c2b8; }
.schedule-wrap, .ladder-wrap { background: var(--bone); color: #1b211c; margin: 22px 0; box-shadow: 0 14px 32px rgba(0, 0, 0, 0.4); border-top: 5px solid var(--peril); overflow: hidden; }
.schedule-band, .ladder-band { background: var(--ink-3); color: #e4e9e1; padding: 14px 18px; font-size: 15px; border-top: 1px solid var(--line); }
.schedule-band b, .ladder-band b { color: #9ccfba; }
table.schedule, table.ladder { width: 100%; border-collapse: collapse; }
table.schedule caption, table.ladder caption { text-align: left; padding: 16px 18px 14px; font: 600 11.5px/1.5 var(--mono); letter-spacing: 0.08em; text-transform: uppercase; color: #55605a; }
table.schedule th, table.schedule td, table.ladder th, table.ladder td { text-align: left; padding: 10px 12px; border-bottom: 1px solid rgba(27, 33, 28, 0.2); vertical-align: top; font-size: 14px; }
table.schedule thead th, table.ladder thead th { font: 600 10.5px/1.3 var(--mono); letter-spacing: 0.12em; text-transform: uppercase; color: #55605a; }
.schedule-field, .ladder-stage { font-weight: 650; }
.schedule-says, .ladder-amount, .ladder-rate, .ladder-cost { font: 500 13.5px/1.4 var(--mono); }
.schedule-decides, .ladder-rule { color: #3d4842; }
.schedule-chip { display: inline-block; font: 650 11px/1 var(--mono); letter-spacing: 0.06em; padding: 5px 9px; background: var(--peril); color: #1b1206; }
.schedule-chip.chip-cover { background: var(--cover); color: #04100b; }
.schedule-chip.chip-keep { background: var(--retain); color: #fdeeea; }
.schedule-chip.chip-share { background: var(--wire); color: #f2eee3; }
.schedule-total th, .schedule-total td, .ladder-total th, .ladder-total td { border-bottom: 0; font-weight: 600; background: var(--bone-2); }
.schedule-sum, .ladder-sum { font: 600 13.5px/1.4 var(--mono); color: #25302a; }
.ladder-bar { display: block; height: 7px; margin-top: 7px; background: rgba(27, 33, 28, 0.14); }
.ladder-bar i { display: block; height: 100%; }
.ld-prize { background: var(--wire); }
.ld-rate { background: var(--peril); }
.ld-loss { background: #8a6a3a; }
.ld-load { background: var(--retain); }
.ld-premium { background: var(--cover); }
.qstrip { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 1px; margin: 22px 0; background: var(--line); border: 1px solid var(--line); }
.qcell { background: var(--ink-2); padding: 14px 15px; }
.qcell b { display: block; font: 650 25px/1.1 var(--mono); color: #9ccfba; margin-bottom: 8px; }
.qcell span { font-size: 14px; color: #c2cbc2; }
.qcell-idle b { color: #e08a78; }
.tally { margin: 20px 0; }
.bar-track { display: flex; height: 24px; overflow: hidden; border: 1px solid var(--line); }
.bar-seg { display: block; height: 100%; }
.seg-expected { background: var(--cover); }
.seg-load { background: var(--retain); }
.tally-legend { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 11px; font: 500 12.5px/1.5 var(--mono); color: #c8d0c8; }
.tally-legend i { display: inline-block; width: 11px; height: 11px; margin-right: 7px; }
.li-expected { background: var(--cover); }
.li-load { background: var(--retain); }
.coins { margin: 20px 0 8px; }
.coin { display: inline-block; font: 650 12.5px/1 var(--mono); background: var(--ink-3); color: #e6ebe3; border: 1px solid var(--line); border-left: 3px solid var(--peril); padding: 7px 10px; margin: 0 6px 6px 0; }
.myth-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(282px, 1fr)); gap: 1px; margin: 22px 0; background: var(--line); border: 1px solid var(--line); }
.myth { background: var(--ink-2); padding: 15px 16px; }
.myth h3 { font-size: 16.5px; }
.myth p { font-size: 14.5px; color: #ced5cd; margin: 0; }
.verdict { display: inline-block; font: 600 10.5px/1 var(--mono); letter-spacing: 0.14em; text-transform: uppercase; padding: 6px 9px; margin-bottom: 10px; }
.verdict.false { background: var(--retain); color: #fdeeea; }
.verdict.partly { background: var(--peril); color: #1b1206; }
.verdict.true { background: var(--cover); color: #04100b; }
.faq { margin-top: 34px; }
.qa { display: grid; grid-template-columns: 62px minmax(0, 1fr); gap: 14px; padding: 16px 0; border-bottom: 1px solid var(--line); }
.qa .ref { font: 600 11.5px/1.4 var(--mono); color: var(--peril); }
.qa p { color: #d8ded5; margin: 0; }
.footer { border-top: 3px double var(--line); background: var(--ink-2); padding: 30px 20px 44px; margin-top: 22px; }
.foot-grid { max-width: 1160px; margin: 0 auto; display: grid; grid-template-columns: minmax(0, 1.6fr) repeat(2, minmax(180px, 1fr)); gap: 26px; }
.footer .brand { margin-bottom: 10px; }
.footer p, .footer a { font-size: 14.5px; color: #c8d0c8; }
.footer strong { display: block; font: 600 11px/1 var(--mono); letter-spacing: 0.15em; text-transform: uppercase; color: var(--peril); margin-bottom: 12px; }
.footer a { display: block; text-decoration: none; margin-bottom: 7px; }
.footer a:hover { color: #fff; text-decoration: underline; }
.fine { max-width: 1160px; margin: 26px auto 0; font-size: 13px !important; color: var(--muted) !important; line-height: 1.7; }
@media (max-width: 860px) {
  .ledger-head, .foot-grid, .splitstrip { grid-template-columns: 1fr; }
  .entry { grid-template-columns: 1fr; gap: 6px; }
  .entry .ref { border-right: 0; padding-right: 0; }
  .menu { margin-left: 0; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; }
  .btn:hover { background: var(--cover); }
}