:root {
  --bg: #F2F5F6;
  --card: #FFFFFF;
  --text: #13191D;
  --muted: #56646C;
  --line: #D5DDE1;
  --accent: #0B6E5F;
  --accent-ink: #FFFFFF;
  --accent-soft: #DDEFEA;
  --fee: #B7C3C9;
  --amber-bg: #FFF4DB;
  --amber-line: #E3A93B;
  --amber-text: #5A3B00;
  --focus: #0B6E5F;

  --f-head: "Bricolage Grotesque", system-ui, sans-serif;
  --f-body: "DM Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --f-mono: "IBM Plex Mono", ui-monospace, SFMono-Regular, Menlo, monospace;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0E1417;
    --card: #161E22;
    --text: #E8EEF0;
    --muted: #9AA9B0;
    --line: #2A363C;
    --accent: #4FD1B5;
    --accent-ink: #0E1417;
    --accent-soft: #15302B;
    --fee: #3A4850;
    --amber-bg: #2A2110;
    --amber-line: #C98F26;
    --amber-text: #F3D9A4;
    --focus: #4FD1B5;
  }
}

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--f-body);
  font-size: 1.0625rem;
  line-height: 1.6;
  overflow-wrap: break-word;
}

.wrap {
  max-width: 42rem;
  margin: 0 auto;
  padding: 0 16px;
}

a { color: var(--accent); text-underline-offset: 2px; }

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
  border-radius: 4px;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -100px;
  background: var(--card);
  color: var(--text);
  padding: .5rem .75rem;
  border: 1px solid var(--line);
  border-radius: 6px;
  z-index: 10;
}
.skip-link:focus { top: 12px; }

h1, h2 {
  font-family: var(--f-head);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.1;
  margin: 0 0 .75rem;
}
h1 { font-size: clamp(2rem, 7vw, 2.9rem); }
h2 { font-size: clamp(1.5rem, 5vw, 1.9rem); }

p { margin: 0 0 1rem; }

.mono { font-family: var(--f-mono); font-size: .95em; }

/* Site header */
.site-header {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: .75rem 1rem;
  padding-top: 1.25rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--line);
}
.site-nav {
  display: flex;
  flex-wrap: wrap;
  gap: .4rem;
}
.site-nav a {
  font-family: var(--f-mono);
  font-size: .75rem;
  color: var(--text);
  text-decoration: none;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: .3rem .7rem;
}
.site-nav a:hover { border-color: var(--accent); color: var(--accent); }
.site-nav a[aria-current="page"] { border-color: var(--accent); color: var(--accent); font-weight: 600; }
.site-nav a:focus-visible { border-radius: 999px; }

/* Breadcrumbs */
.crumbs { padding-top: 1.5rem; }
.crumbs ol {
  display: flex;
  flex-wrap: wrap;
  list-style: none;
  margin: 0;
  padding: 0;
  font-family: var(--f-mono);
  font-size: .75rem;
  color: var(--muted);
}
.crumbs li + li::before { content: "›"; margin: 0 .5rem; }
.crumbs a { color: var(--muted); }
.crumbs a:hover { color: var(--accent); }

.page-top { padding-top: 1.25rem; }

/* Hero */
.hero { padding: 2.5rem 0 2rem; border-bottom: 1px solid var(--line); }

.eyebrow {
  font-family: var(--f-mono);
  font-size: .75rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--muted);
  margin-bottom: 1rem;
}

.wordmark {
  display: inline-block;
  font-family: var(--f-mono);
  font-size: .7rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--muted);
  text-decoration: none;
}
.wordmark:hover { color: var(--text); }

.lede { font-size: 1.15rem; color: var(--muted); }

.cta-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: .75rem 1rem;
  margin: 1.5rem 0;
}

.ref-note {
  flex: 1 1 14rem;
  margin: 0;
  font-size: .85rem;
  color: var(--muted);
  line-height: 1.45;
}

.btn {
  display: inline-block;
  background: var(--accent);
  color: var(--accent-ink);
  font-weight: 700;
  text-decoration: none;
  padding: .85rem 1.3rem;
  border-radius: 10px;
  line-height: 1.2;
  transition: filter .15s ease, transform .15s ease;
}
.btn:hover { filter: brightness(1.08); }
.btn:active { transform: translateY(1px); }
.btn:focus-visible { outline-offset: 3px; border-radius: 10px; }

.jumps {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem;
}
.jumps a {
  font-family: var(--f-mono);
  font-size: .8rem;
  color: var(--text);
  text-decoration: none;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: .35rem .8rem;
}
.jumps a:hover { border-color: var(--accent); color: var(--accent); }
.jumps a:focus-visible { border-radius: 999px; }

/* Sections */
section { padding: 2.75rem 0; border-bottom: 1px solid var(--line); scroll-margin-top: 1rem; }

/* Ruled rows */
.rows {
  margin: 1.25rem 0 1rem;
  border-top: 1px solid var(--line);
}
.row {
  display: grid;
  grid-template-columns: 1fr;
  gap: .2rem;
  padding: .9rem 0;
  border-bottom: 1px solid var(--line);
}
.row dt {
  font-family: var(--f-mono);
  font-size: .72rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--muted);
  padding-top: .2rem;
}
.row dd { margin: 0; }

@media (min-width: 34rem) {
  .row { grid-template-columns: 9.5rem 1fr; gap: 1.25rem; }
}

.fine { font-size: .85rem; color: var(--muted); }

/* Calculator */
.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 1.25rem;
  margin: 1.25rem 0 1rem;
}

.calc-label {
  display: block;
  font-family: var(--f-mono);
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--muted);
  margin-bottom: .5rem;
}

.amount-field {
  display: flex;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--bg);
  padding: 0 .9rem;
}
.amount-field:focus-within { outline: 3px solid var(--focus); outline-offset: 2px; }
.prefix {
  font-family: var(--f-mono);
  font-size: 1.9rem;
  color: var(--muted);
  margin-right: .35rem;
}
.amount-field input {
  flex: 1;
  min-width: 0;
  width: 100%;
  border: 0;
  background: transparent;
  color: var(--text);
  font-family: var(--f-mono);
  font-size: 2.2rem;
  font-weight: 600;
  padding: .55rem 0;
  outline: none;
}

.split {
  display: flex;
  height: 2.25rem;
  margin: 1.25rem 0;
  border-radius: 8px;
  overflow: hidden;
  font-family: var(--f-mono);
  font-size: .8rem;
  font-weight: 600;
}
.split > div { display: flex; align-items: center; padding: 0 .7rem; white-space: nowrap; }
.split-you { flex: 0 0 80%; background: var(--accent); color: var(--accent-ink); }
.split-fee { flex: 0 0 20%; background: var(--fee); color: var(--text); justify-content: center; padding: 0; }

.figures {
  display: grid;
  grid-template-columns: 1fr;
  gap: .75rem;
}
@media (min-width: 30rem) {
  .figures { grid-template-columns: repeat(3, 1fr); }
}
.fig {
  display: flex;
  flex-direction: column;
  gap: .15rem;
  border-top: 1px solid var(--line);
  padding-top: .65rem;
  min-width: 0;
}
.fig-label {
  font-family: var(--f-mono);
  font-size: .7rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--muted);
}
.fig-num {
  font-family: var(--f-mono);
  font-size: 1.35rem;
  font-weight: 600;
  overflow-wrap: anywhere;
}
.fig-num.accent { color: var(--accent); }
.fig-note { font-size: .8rem; color: var(--muted); line-height: 1.35; }
.fig-note.ok { color: var(--accent); }

/* Steps */
.steps {
  list-style: none;
  padding: 0;
  margin: 1.25rem 0 1.75rem;
  border-top: 1px solid var(--line);
}
.steps li {
  display: grid;
  grid-template-columns: 2.5rem 1fr;
  gap: .75rem;
  padding: 1rem 0;
  border-bottom: 1px solid var(--line);
}
.step-num {
  font-family: var(--f-mono);
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--accent);
}
.steps strong { display: block; margin-bottom: .15rem; }
.steps p { margin: 0; color: var(--muted); }

/* Callout */
.callout {
  background: var(--amber-bg);
  color: var(--amber-text);
  border-left: 4px solid var(--amber-line);
  border-radius: 8px;
  padding: 1rem 1.1rem;
  margin: 1.25rem 0;
}

/* FAQ */
.faq { border-top: 1px solid var(--line); margin-top: 1.25rem; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  cursor: pointer;
  list-style: none;
  font-weight: 700;
  padding: 1rem 2rem 1rem 0;
  position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  position: absolute;
  right: .25rem;
  top: .85rem;
  font-family: var(--f-mono);
  font-size: 1.25rem;
  color: var(--accent);
}
.faq details[open] summary::after { content: "–"; }
.faq details p { margin: 0 0 1rem; color: var(--muted); }

/* Closing */
.closing {
  background: var(--accent-soft);
  border: 0;
  border-radius: 16px;
  padding: 2rem 1.25rem;
  margin: 2.75rem 0 0;
  text-align: center;
}

.footer {
  padding-top: 2rem;
  padding-bottom: 3rem;
  font-size: .85rem;
  color: var(--muted);
}

/* Slim CTA strip after sections */
.cta-strip {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: .65rem;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: .85rem 1rem;
  margin-top: 1.75rem;
}
.cta-strip p {
  margin: 0;
  font-weight: 500;
  font-size: .95rem;
  line-height: 1.35;
}
.btn-sm {
  font-size: .9rem;
  padding: .65rem 1rem;
  white-space: nowrap;
}
@media (min-width: 40rem) {
  .cta-strip {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: .6rem .6rem .6rem 1rem;
    max-height: 4.5rem;
  }
  .btn-sm { flex: 0 0 auto; }
}
@media (max-width: 26rem) {
  .btn-sm { white-space: normal; }
}

/* Fit cards */
.fit-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
  margin-top: 1.25rem;
}
@media (min-width: 40rem) {
  .fit-grid { grid-template-columns: 1fr 1fr; }
}
.fit-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 1.15rem 1.15rem .5rem;
  min-width: 0;
}
.fit-yes { border-top: 3px solid var(--accent); }
.fit-no { border-top: 3px solid var(--muted); }
.fit-card h3 {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 1.15rem;
  letter-spacing: -0.01em;
  line-height: 1.2;
  margin: 0 0 .75rem;
}
.fit-card ul {
  margin: 0;
  padding: 0;
  list-style: none;
}
.fit-card li {
  padding: .6rem 0;
  border-top: 1px solid var(--line);
  font-size: .95rem;
  line-height: 1.5;
}

/* Guide cards */
.guide-grid {
  list-style: none;
  margin: 1.25rem 0 0;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr;
  gap: .75rem;
}
@media (min-width: 34rem) {
  .guide-grid { grid-template-columns: 1fr 1fr; }
}
.guide-grid li { min-width: 0; }
.guide-card {
  display: flex;
  flex-direction: column;
  gap: .3rem;
  height: 100%;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 1rem 1.1rem;
  color: var(--text);
  text-decoration: none;
}
.guide-card:hover { border-color: var(--accent); }
.guide-card:focus-visible { border-radius: 14px; }
.guide-title {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 1.1rem;
  letter-spacing: -0.01em;
  line-height: 1.2;
  color: var(--accent);
}
.guide-text { font-size: .95rem; color: var(--muted); line-height: 1.5; }
#payouts-summary .guide-card { margin-top: 1rem; }

/* Related guides */
.related { padding-bottom: 0; border-bottom: 0; }
.related h2 { font-size: clamp(1.25rem, 4vw, 1.5rem); }
.related-list {
  list-style: none;
  margin: 1rem 0 0;
  padding: 0;
  border-top: 1px solid var(--line);
}
.related-list li { border-bottom: 1px solid var(--line); }
.related-list a {
  display: block;
  padding: .8rem 1.5rem .8rem 0;
  font-weight: 500;
  position: relative;
}
.related-list a::after {
  content: "→";
  position: absolute;
  right: .25rem;
  font-family: var(--f-mono);
}

/* Sticky mobile CTA */
.sticky-cta { display: none; }
@media (max-width: 699.98px) {
  body { padding-bottom: calc(56px + 20px + env(safe-area-inset-bottom, 0px)); }
  .sticky-cta {
    display: block;
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 20;
    background: var(--bg);
    border-top: 1px solid var(--line);
    padding: 8px max(16px, env(safe-area-inset-right, 0px)) calc(8px + env(safe-area-inset-bottom, 0px)) max(16px, env(safe-area-inset-left, 0px));
    opacity: 0;
    visibility: hidden;
    transition: opacity .2s ease, visibility 0s linear .2s;
  }
  .sticky-cta.is-visible {
    opacity: 1;
    visibility: visible;
    transition: opacity .2s ease, visibility 0s;
  }
  .sticky-cta .btn {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 100%;
    height: 56px;
    padding: 0 1rem;
    text-align: center;
    font-size: 1rem;
  }
  .sticky-cta .btn:active { transform: none; }
}
@media (prefers-reduced-motion: reduce) {
  .sticky-cta, .sticky-cta.is-visible { transition: none; }
}