:root{--bg:#f6f7f9;--ink:#1b2430;--mut:#5b6675;--acc:#0e6e5c;--acc2:#c2702b;--card:#fff;--line:#e3e7ec}
*{box-sizing:border-box}body{margin:0;font:16px/1.5 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:var(--bg);color:var(--ink)}
.wrap{max-width:1150px;margin:0 auto;padding:0 16px}.top{background:#fff;border-bottom:1px solid var(--line)}.brand{display:inline-block;padding:14px 0;font-weight:700;color:var(--acc);font-size:20px}
h1{font-size:clamp(26px,4vw,38px);margin:28px 0 8px}.lede{color:var(--mut);max-width:760px}
.grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:18px;margin:20px 0}@media(max-width:860px){.grid{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px}h2{font-size:18px;margin:4px 0 12px}
label{display:block;font-size:13px;color:var(--mut);margin-bottom:10px}input{display:block;width:100%;margin-top:3px;padding:8px 10px;border:1px solid var(--line);border-radius:8px;font-size:15px;color:var(--ink)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:10px}.person{border-top:1px solid var(--line);margin-top:10px;padding-top:12px}.person h3{margin:0 0 8px;font-size:16px}
.note{font-size:12px;color:var(--mut)}.seg{float:right}.seg button{border:1px solid var(--line);background:#fff;padding:1px 8px;border-radius:6px;margin-left:4px;cursor:pointer}.seg button.on{background:var(--acc);color:#fff}
.kpis{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.kpi{background:var(--bg);border-radius:10px;padding:10px 12px}.kpi b{display:block;font-size:22px}.kpi span{font-size:12px;color:var(--mut)}
.badge{padding:10px 12px;border-radius:10px;margin:12px 0;font-weight:600}.yes{background:#e3f4ef;color:var(--acc)}.no{background:#fbeee2;color:#8a4a12}
canvas{width:100%;margin-top:10px}.legend{font-size:12px;color:var(--mut);display:flex;gap:14px;flex-wrap:wrap}.legend span:before{content:"";display:inline-block;width:14px;height:3px;margin-right:5px;vertical-align:middle}
.c1:before{background:var(--acc)}.c2:before{background:var(--acc2)}.c3:before{background:#888}
table{width:100%;border-collapse:collapse;font-size:14px;margin-top:12px}td,th{padding:6px;border-bottom:1px solid var(--line);text-align:right}td:first-child,th:first-child{text-align:left}
.btn{background:var(--acc);color:#fff;border:0;border-radius:8px;padding:9px 14px;font-size:14px;cursor:pointer;margin-top:12px}.math{margin-top:12px;font-size:14px}.math code{background:var(--bg);padding:1px 4px;border-radius:4px}
.signup form{display:flex;gap:8px;flex-wrap:wrap}.signup input{flex:1;min-width:200px;margin:0}.signup .btn{margin:0}
.content{max-width:760px;margin:30px 0}.content details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:10px 14px;margin-bottom:8px}
footer{border-top:1px solid var(--line);padding:20px 0;color:var(--mut);font-size:13px;margin-top:30px}

.top .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap}nav a{margin-left:16px;color:var(--mut);text-decoration:none;font-size:14px}nav a[aria-current]{color:var(--acc);font-weight:600}
.chk{display:flex;align-items:center;gap:8px;color:var(--ink)}.chk input{width:auto;margin:0}select{display:block;width:100%;margin-top:3px;padding:8px;border:1px solid var(--line);border-radius:8px;font-size:15px;background:#fff}
ol.steps{padding:0;list-style:none;counter-reset:s;margin:0}ol.steps li{counter-increment:s;position:relative;padding:12px 12px 12px 48px;border:1px solid var(--line);border-radius:10px;margin-bottom:10px}
ol.steps li:before{content:counter(s);position:absolute;left:12px;top:12px;width:26px;height:26px;border-radius:50%;background:var(--acc);color:#fff;text-align:center;line-height:26px;font-weight:700;font-size:13px}
ol.steps li.warn{border-color:#e6b48a;background:#fffaf5}.amt{float:right;font-weight:700;font-size:18px}.meta{font-size:12px;color:var(--mut)}.why{font-size:14px;margin:4px 0 0}
.warnbox{background:#fbeee2;color:#8a4a12;border-radius:10px;padding:10px 12px;margin-bottom:12px;font-size:14px}
/* info tooltips */
button.tip{display:inline-flex;align-items:center;justify-content:center;width:1.4em;height:1.4em;margin-left:.3em;padding:0;border:0;border-radius:50%;background:transparent;color:#1f6f5c;font-size:1em;line-height:1;cursor:help;vertical-align:baseline;width:auto;min-width:24px;min-height:24px}
button.tip:focus-visible{outline:2px solid #1f6f5c;outline-offset:1px}
.tipbox{position:fixed;z-index:50;padding:.55em .7em;border-radius:8px;background:#1d2a33;color:#fff;font-size:.85rem;font-weight:400;line-height:1.4;box-shadow:0 4px 16px rgba(0,0,0,.2);text-transform:none;letter-spacing:0}
.tipbox[hidden]{display:none}

.hh-wrap{margin:0 0 14px}.hh-wrap>span{display:block;font-size:13px;color:var(--mut);margin-bottom:6px}
.hh{display:flex;gap:8px;min-width:0}
.hh button{flex:1;min-width:0;border:1px solid var(--line);background:#fff;padding:8px 12px;border-radius:8px;cursor:pointer;font-size:15px;color:var(--ink);white-space:normal;line-height:1.3}
.card,.grid>*{min-width:0}
.hh button[aria-pressed="true"]{background:var(--acc);color:#fff;border-color:var(--acc);font-weight:600}
.callout{background:#e3f4ef;color:#0a4f42;border-radius:10px;padding:10px 12px;margin:0 0 14px;font-size:14px}
button.linkish{background:none;border:0;padding:0;color:var(--acc);font:inherit;font-weight:700;cursor:pointer;text-decoration:underline}
form.solo .couple-only{display:none}
form.solo .row:has(.couple-only){grid-template-columns:1fr}
form:not(.solo) .solo-only{display:none}
.person h3 input{width:auto;max-width:100%;min-width:8ch}

.persist-note{font-size:12px;color:var(--mut);margin:14px 0 0}.persist-note .linkish{margin-left:.7em}

footer p{margin:0}
footer .legal{margin-top:8px}
footer .legal a{color:var(--mut);margin-right:14px;text-decoration:none}
footer .legal a:hover,footer .legal a[aria-current]{color:var(--acc);text-decoration:underline}
.legal-page{max-width:760px;padding-bottom:20px}
.legal-page .updated{color:var(--mut);font-size:13px;margin:0 0 20px}
.legal-page h2{margin-top:22px}
.open-where{font-size:12px;color:var(--mut);margin:8px 0 0;clear:both;line-height:1.5}
.open-where a{color:var(--acc)}
.paid-mark{font-size:11px;font-weight:600;color:var(--mut);margin-left:.15em;white-space:nowrap}