:root{
    --navy:#0f2942;
    --navy-light:#173a5e;
    --teal:#0d9488;
    --teal-light:#14b8a6;
    --bg:#f4f6f8;
    --card:#ffffff;
    --text:#1a2733;
    --muted:#64748b;
    --border:#e2e8f0;
    --danger:#dc2626;
    --good:#059669;
  }
  *{box-sizing:border-box;}
  body{
    margin:0;
    font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
    background:var(--bg);
    color:var(--text);
  }
  .app{
    display:flex;
    min-height:100vh;
  }
  .sidebar{
    width:270px;
    flex-shrink:0;
    background:var(--navy);
    color:#fff;
    padding:24px 16px;
    position:sticky;
    top:0;
    height:100vh;
    overflow-y:auto;
  }
  .sidebar h1{
    font-size:20px;
    margin:0 0 4px 8px;
    font-weight:700;
  }
  .sidebar h1 span{color:var(--teal-light);}
  .sidebar .tagline{
    font-size:12px;
    color:#94a3b8;
    margin:0 0 20px 8px;
  }
  nav{display:flex;flex-direction:column;gap:4px;}
  .nav-btn{
    text-align:left;
    background:none;
    border:none;
    color:#cbd5e1;
    padding:11px 12px;
    border-radius:8px;
    font-size:14px;
    cursor:pointer;
    transition:background .15s,color .15s;
  }
  .nav-btn:hover{background:var(--navy-light);color:#fff;}
  .nav-btn.active{background:var(--teal);color:#fff;font-weight:600;}
  .disclaimer-side{
    font-size:11px;
    color:#64748b;
    margin:24px 8px 0;
    line-height:1.5;
    border-top:1px solid rgba(255,255,255,.1);
    padding-top:16px;
  }
  .content{
    flex:1;
    padding:32px 40px;
    max-width:900px;
  }
  .calc h2{margin-top:0;font-size:22px;}
  .calc .sub{color:var(--muted);font-size:14px;margin-top:-8px;margin-bottom:20px;}
  .card{
    background:var(--card);
    border:1px solid var(--border);
    border-radius:12px;
    padding:24px;
    margin-bottom:20px;
  }
  .field-grid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:16px;
  }
  .field{display:flex;flex-direction:column;gap:6px;}
  .field label{font-size:13px;font-weight:600;color:var(--text);}
  .field .hint{font-size:11px;color:var(--muted);font-weight:400;}
  .field input, .field select{
    padding:10px 12px;
    border:1px solid var(--border);
    border-radius:8px;
    font-size:14px;
    width:100%;
  }
  .field input:focus, .field select:focus{outline:2px solid var(--teal-light);border-color:var(--teal);}
  .radio-row{display:flex;gap:16px;align-items:center;}
  .radio-row label{font-size:13px;font-weight:500;display:flex;align-items:center;gap:6px;}
  .results{
    background:linear-gradient(135deg,var(--navy),var(--navy-light));
    color:#fff;
    border-radius:12px;
    padding:24px;
  }
  .results h3{margin:0 0 16px;font-size:14px;text-transform:uppercase;letter-spacing:.5px;color:#94a3b8;font-weight:600;}
  .result-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
  .result-item .label{font-size:12px;color:#94a3b8;margin-bottom:4px;}
  .result-item .value{font-size:20px;font-weight:700;}
  .result-item .value.big{font-size:26px;color:var(--teal-light);}
  .note{
    font-size:12px;
    color:var(--muted);
    background:#f8fafc;
    border-left:3px solid var(--teal);
    padding:10px 14px;
    border-radius:0 6px 6px 0;
    margin-top:16px;
  }
  .verdict{
    font-size:15px;
    font-weight:700;
    margin-top:12px;
    padding-top:12px;
    border-top:1px solid rgba(255,255,255,.15);
  }
  .verdict.good{color:#34d399;}
  @media (max-width:800px){
    .app{flex-direction:column;}
    .sidebar{width:100%;height:auto;position:relative;padding:16px;}
    nav{flex-direction:row;flex-wrap:wrap;}
    .content{padding:20px;max-width:100%;}
    .field-grid,.result-grid{grid-template-columns:1fr;}
  }

nav a.nav-btn{
  display:block;
  text-decoration:none;
}
.hub-grid{
  display:grid;
  grid-template-columns:repeat(auto-fill,minmax(260px,1fr));
  gap:16px;
}
.hub-card{
  display:block;
  background:var(--card);
  border:1px solid var(--border);
  border-radius:12px;
  padding:20px;
  text-decoration:none;
  color:var(--text);
  transition:box-shadow .15s, border-color .15s, transform .15s;
}
.hub-card:hover{
  border-color:var(--teal);
  box-shadow:0 4px 14px rgba(15,41,66,.08);
  transform:translateY(-2px);
}
.hub-card h3{margin:0 0 6px;font-size:16px;color:var(--navy);}
.hub-card p{margin:0;font-size:13px;color:var(--muted);line-height:1.5;}

/* ---------- Legal pages ---------- */
.legal{max-width:760px;}
.legal h3{
  font-size:16px;
  color:var(--navy);
  margin:28px 0 8px;
}
.legal p, .legal li{
  font-size:14px;
  line-height:1.7;
  color:var(--text);
}
.legal ul{padding-left:20px;margin:8px 0 14px;}
.legal li{margin-bottom:6px;}
.legal a{color:var(--teal);}
.legal-box{
  background:var(--card);
  border:1px solid var(--border);
  border-left:3px solid var(--teal);
  border-radius:0 10px 10px 0;
  padding:14px 18px;
  margin:16px 0 8px;
}
.legal-box p{margin:0;}
.legal-table{
  width:100%;
  border-collapse:collapse;
  margin:12px 0 18px;
  font-size:13px;
  background:var(--card);
  border:1px solid var(--border);
  border-radius:10px;
  overflow:hidden;
}
.legal-table th{
  text-align:left;
  background:#f8fafc;
  color:var(--navy);
  font-size:12px;
  text-transform:uppercase;
  letter-spacing:.4px;
  padding:10px 12px;
  border-bottom:1px solid var(--border);
}
.legal-table td{
  padding:10px 12px;
  border-bottom:1px solid var(--border);
  vertical-align:top;
  line-height:1.6;
  color:var(--text);
}
.legal-table tr:last-child td{border-bottom:none;}
.legal-table .tag{
  display:inline-block;
  font-size:10px;
  text-transform:uppercase;
  letter-spacing:.4px;
  background:#ccfbf1;
  color:#0f766e;
  border-radius:4px;
  padding:1px 6px;
  margin-left:4px;
  white-space:nowrap;
}
.legal-foot{
  margin-top:28px;
  padding-top:14px;
  border-top:1px solid var(--border);
  font-size:13px;
  color:var(--muted);
}

/* ---------- Site footer ---------- */
.site-footer{
  margin-top:40px;
  padding-top:18px;
  border-top:1px solid var(--border);
}
.footer-links{
  font-size:13px;
  margin:0 0 8px;
  color:var(--muted);
}
.footer-links a{color:var(--teal);text-decoration:none;}
.footer-links a:hover{text-decoration:underline;}
.footer-links span{color:var(--text);font-weight:600;}
.footer-note{
  font-size:11px;
  line-height:1.6;
  color:var(--muted);
  margin:0;
}
.disclaimer-side a{color:#94a3b8;text-decoration:underline;}
.disclaimer-side a:hover{color:var(--teal-light);}

/* ---------- Cookie consent notice ---------- */
.cookie-notice{
  position:fixed;
  left:16px;
  right:16px;
  bottom:16px;
  max-width:640px;
  margin:0 auto;
  background:var(--navy);
  color:#e2e8f0;
  border-radius:12px;
  padding:16px 18px;
  box-shadow:0 10px 30px rgba(15,41,66,.28);
  display:flex;
  gap:16px;
  align-items:center;
  z-index:9999;
}
.cookie-notice p{
  margin:0;
  font-size:12.5px;
  line-height:1.6;
  flex:1;
}
.cookie-notice a{color:var(--teal-light);}
.cookie-btns{display:flex;gap:8px;flex-shrink:0;}
.cw-btn{
  background:var(--teal);
  color:#fff;
  border:none;
  border-radius:8px;
  padding:9px 16px;
  font-size:13px;
  font-weight:600;
  cursor:pointer;
}
.cw-btn:hover{background:var(--teal-light);}
.cw-btn.ghost{
  background:transparent;
  color:#cbd5e1;
  border:1px solid rgba(255,255,255,.25);
}
.cw-btn.ghost:hover{background:var(--navy-light);color:#fff;}
@media (max-width:620px){
  .cookie-notice{flex-direction:column;align-items:stretch;}
  .cookie-btns{justify-content:flex-end;}
}

/* ---------- Verify-before-you-rely call-out ---------- */
.verify-line{
  font-size:13px;
  line-height:1.6;
  color:#92400e;
  background:#fffbeb;
  border:1px solid #fde68a;
  border-left:3px solid #f59e0b;
  border-radius:0 8px 8px 0;
  padding:11px 14px;
  margin-top:16px;
}
.verify-line strong{color:#78350f;}

/* ---------- Dated statutory-rate stamp ---------- */
.rate-stamp{
  display:flex;
  flex-wrap:wrap;
  gap:6px 10px;
  align-items:baseline;
  font-size:11.5px;
  line-height:1.6;
  color:var(--muted);
  margin:12px 0 0;
}
.rate-stamp .stamp-badge{
  background:#f1f5f9;
  border:1px solid var(--border);
  color:var(--navy);
  border-radius:4px;
  padding:2px 7px;
  font-size:10px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.4px;
  white-space:nowrap;
}
.rate-stamp .stamp-body{flex:1;min-width:220px;}
.rate-stamp .stamp-src{color:var(--text);}
.note strong{color:var(--navy);}