*{box-sizing:border-box;margin:0;padding:0}
html,body{width:100%;overflow-x:hidden}
:root{
  --ink:#12161f;--steel:#1d2735;--slab:#26344a;--line:#dfe4ec;
  --paper:#f6f8fb;--card:#ffffff;--amber:#f5a623;--amber-d:#d6820a;
  --brick:#c0492e;--good:#1f9d63;--muted:#5b6572;--sky:#2f6fed;
}
body{font-family:"Segoe UI",Roboto,-apple-system,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--paper);line-height:1.62;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--sky);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{width:100%;max-width:1080px;margin:0 auto;padding:0 22px}

/* header */
.site-head{position:sticky;top:0;z-index:40;background:var(--steel);
  border-bottom:3px solid var(--amber)}
.head-row{display:flex;flex-wrap:nowrap;align-items:center;gap:14px;
  min-height:64px}
.brand-logo{color:#fff;font-weight:800;font-size:20px;letter-spacing:.3px;
  white-space:nowrap}
.brand-logo:hover{text-decoration:none;color:var(--amber)}
.nav-wrap{display:flex;flex-wrap:nowrap;align-items:center;gap:10px;
  margin-left:auto}
.nav-main{display:flex;flex-wrap:nowrap;gap:4px}
.nav-main a{color:#cdd6e4;font-size:14.5px;font-weight:600;padding:7px 9px;
  border-radius:6px;white-space:nowrap}
.nav-main a:hover{background:var(--slab);color:#fff;text-decoration:none}
.nav-main a.on{color:#fff;background:var(--slab)}
.cta-head{background:var(--amber);color:#241a05;font-weight:800;
  padding:8px 14px;border-radius:7px;white-space:nowrap;font-size:14.5px}
.cta-head:hover{background:var(--amber-d);text-decoration:none;color:#241a05}
.burger{display:none;margin-left:auto;background:var(--slab);border:0;
  color:#fff;font-size:20px;padding:8px 12px;border-radius:7px;cursor:pointer}

/* breadcrumb */
.crumbs{background:#eef2f8;border-bottom:1px solid var(--line);font-size:13.5px}
.crumbs .wrap{padding-top:9px;padding-bottom:9px}
.crumbs a{color:var(--muted)}
.crumbs span{color:var(--ink);font-weight:600}

/* hero */
.hero{background:linear-gradient(160deg,#1d2735,#26344a 70%);color:#fff;
  padding:34px 0 30px}
.hero h1{font-size:32px;line-height:1.2;font-weight:800;max-width:20ch}
.hero .kicker{color:var(--amber);font-weight:700;text-transform:uppercase;
  letter-spacing:1.4px;font-size:13px;margin-bottom:9px}
.hero .lede{margin-top:13px;font-size:18px;color:#e4e9f2;max-width:64ch}
.hero-figure{margin-top:20px;border-radius:12px;overflow:hidden;
  border:1px solid rgba(255,255,255,.15)}

/* main */
main .wrap{padding-top:26px;padding-bottom:12px}
h2{font-size:24px;margin:30px 0 12px;line-height:1.25;color:var(--steel)}
h3{font-size:19px;margin:22px 0 9px;color:var(--slab)}
p{margin:0 0 15px}
main ul,main ol{margin:0 0 17px 22px}
main li{margin:6px 0}
.snippet{background:var(--card);border:1px solid var(--line);
  border-left:5px solid var(--amber);border-radius:10px;padding:15px 18px;
  margin:6px 0 20px;font-size:17.5px;box-shadow:0 1px 3px rgba(18,22,31,.05)}
.fig{margin:20px 0;border-radius:12px;overflow:hidden;border:1px solid var(--line)}
.fig figcaption{background:var(--card);color:var(--muted);font-size:13.5px;
  padding:9px 14px;border-top:1px solid var(--line)}

/* fact table */
.table-scroll{overflow-x:auto;margin:18px 0;border:1px solid var(--line);
  border-radius:10px}
table{border-collapse:collapse;width:100%;min-width:420px;background:var(--card)}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);
  font-size:15.5px}
th{background:#eef2f8;font-weight:700;color:var(--steel)}
tr:last-child td{border-bottom:0}

/* callouts */
.note{background:#fff7e8;border:1px solid #f3d79a;border-radius:10px;
  padding:13px 16px;margin:16px 0;font-size:15.5px}
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:18px 0}
.pc{background:var(--card);border:1px solid var(--line);border-radius:10px;
  padding:14px 16px}
.pc h4{font-size:16px;margin-bottom:8px}
.pc.pro h4{color:var(--good)}
.pc.con h4{color:var(--brick)}
.pc ul{margin-left:18px}

/* multiplier calculator */
.calc{background:var(--steel);color:#eef2f8;border-radius:12px;padding:18px;
  margin:22px 0}
.calc h3{color:#fff;margin-top:0}
.calc label{display:block;font-size:14px;margin:10px 0 5px;color:#cdd6e4}
.calc input[type=range]{width:100%}
.calc .row{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px}
.calc button{background:var(--slab);border:1px solid #3a4a63;color:#fff;
  padding:7px 12px;border-radius:7px;cursor:pointer;font-size:14px}
.calc button:hover{background:#31425c}
.calc .out{font-size:22px;font-weight:800;color:var(--amber);margin-top:12px}
.calc .out span{color:#fff;font-size:15px;font-weight:600}

/* faq */
.faq details{background:var(--card);border:1px solid var(--line);
  border-radius:10px;margin:10px 0;overflow:hidden}
.faq summary{cursor:pointer;padding:14px 16px;font-weight:700;
  list-style:none;color:var(--steel)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--amber);font-weight:800}
.faq details[open] summary::after{content:"\2013"}
.faq .ans{padding:0 16px 14px}

/* spin (text-only CTA after FAQ) */
.spin{background:linear-gradient(160deg,#26344a,#1d2735);color:#eef2f8;
  border-radius:12px;padding:20px 22px;margin:26px 0 6px;
  border:1px solid rgba(245,166,35,.35)}
.spin h3{color:#fff;margin-top:0}
.spin strong{color:var(--amber)}

/* crosslinks rail */
.more-rail{background:var(--card);border:1px solid var(--line);border-radius:10px;
  padding:14px 16px;margin:22px 0}
.more-rail h4{font-size:15px;margin-bottom:8px;color:var(--muted)}
.more-rail a{margin-right:14px;font-weight:600}

/* footer */
.site-foot{background:var(--ink);color:#aab3c1;margin-top:40px;
  padding:26px 0;font-size:14px}
.site-foot .cols{display:flex;flex-wrap:wrap;gap:26px;justify-content:space-between}
.site-foot h5{color:#fff;font-size:15px;margin-bottom:9px}
.site-foot a{color:#aab3c1;display:block;margin:5px 0}
.site-foot .legal{margin-top:20px;padding-top:16px;border-top:1px solid #232a36;
  color:#7f8896;font-size:13px}
.age{display:inline-block;background:var(--brick);color:#fff;font-weight:800;
  border-radius:50%;width:30px;height:30px;line-height:30px;text-align:center;
  margin-right:8px;font-size:13px}

/* back to top */
#top-btn{position:fixed;right:16px;bottom:16px;z-index:50;display:none;
  background:var(--amber);color:#241a05;border:0;border-radius:50%;
  width:46px;height:46px;font-size:20px;font-weight:800;cursor:pointer;
  box-shadow:0 3px 10px rgba(18,22,31,.3)}

@media(max-width:820px){
  .nav-wrap{display:none;order:3;width:100%;flex-direction:column;
    align-items:stretch;gap:6px;padding-bottom:12px}
  .nav-wrap.open{display:flex}
  .nav-main{flex-direction:column;gap:2px}
  .nav-main a{padding:11px 12px;border-radius:8px;background:var(--slab)}
  .cta-head{text-align:center;padding:12px}
  .burger{display:block}
  .head-row{flex-wrap:wrap}
  .hero h1{font-size:26px}
  .pros-cons{grid-template-columns:1fr}
}
@media(max-width:720px){
  .wrap{padding:0 22px}
  .hero .lede{font-size:16.5px}
}