/* NeoReg - single stylesheet, no dependencies */
:root {
  --navy: #0b2e4f;
  --navy-2: #123f6b;
  --teal: #0e7490;
  --teal-light: #e0f4f8;
  --ink: #1a2530;
  --muted: #5b6b7a;
  --line: #dde5ec;
  --bg: #ffffff;
  --bg-soft: #f5f8fa;
  --good: #157a4c;
  --warn: #a15c07;
  --maxw: 1080px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
}
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

/* Header */
header.site {
  background: var(--navy);
  color: #fff;
  padding: 14px 0;
  position: sticky; top: 0; z-index: 50;
  box-shadow: 0 1px 6px rgba(0,0,0,.15);
}
header.site .wrap { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 8px; }
.logo { font-size: 1.35rem; font-weight: 800; letter-spacing: -.02em; color: #fff; text-decoration: none; }
.logo span { color: #7fd6e8; }
nav.main a {
  color: #d9e6ef; text-decoration: none; margin-left: 18px; font-size: .95rem; font-weight: 500;
}
nav.main a:hover, nav.main a.active { color: #fff; text-decoration: underline; text-underline-offset: 4px; }

/* Hero */
.hero { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 55%, var(--teal) 130%); color: #fff; padding: 64px 0 56px; }
.hero h1 { font-size: clamp(1.8rem, 4vw, 2.7rem); line-height: 1.15; margin: 0 0 14px; letter-spacing: -.02em; }
.hero p.lead { font-size: 1.15rem; color: #d5e6ee; max-width: 640px; margin: 0 0 26px; }
.btn {
  display: inline-block; background: #fff; color: var(--navy); font-weight: 700;
  padding: 12px 22px; border-radius: 8px; text-decoration: none; margin-right: 10px; margin-top: 4px;
}
.btn.ghost { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,.55); }
.btn:hover { filter: brightness(.94); }

/* Sections */
section.block { padding: 48px 0; }
section.block.alt { background: var(--bg-soft); }
h2 { font-size: 1.65rem; letter-spacing: -.01em; margin: 0 0 8px; }
h3 { font-size: 1.2rem; margin: 26px 0 8px; }
p.sub { color: var(--muted); margin-top: 0; }

/* Cards */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 18px; margin-top: 24px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 22px;
  box-shadow: 0 1px 3px rgba(15,40,70,.05);
}
.card h3 { margin-top: 0; }
.card p { color: var(--muted); font-size: .95rem; margin-bottom: 0; }
.card a.more { display: inline-block; margin-top: 10px; color: var(--teal); font-weight: 600; text-decoration: none; }
.card a.more:hover { text-decoration: underline; }

/* Tables */
.tablewrap { overflow-x: auto; margin-top: 20px; }
table { border-collapse: collapse; width: 100%; font-size: .95rem; background: #fff; }
th, td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; vertical-align: top; }
th { background: var(--navy); color: #fff; font-weight: 600; white-space: nowrap; }
tr:nth-child(even) td { background: var(--bg-soft); }
td.num { white-space: nowrap; font-variant-numeric: tabular-nums; }
.badge { display: inline-block; padding: 2px 9px; border-radius: 999px; font-size: .78rem; font-weight: 700; }
.badge.good { background: #e2f4ea; color: var(--good); }
.badge.warn { background: #fdf0dc; color: var(--warn); }

/* Callouts */
.note, .warnbox, .disclosure {
  border-radius: 10px; padding: 14px 18px; margin: 22px 0; font-size: .95rem;
}
.note { background: var(--teal-light); border-left: 4px solid var(--teal); }
.warnbox { background: #fdf3e3; border-left: 4px solid var(--warn); }
.disclosure { background: var(--bg-soft); border: 1px dashed var(--line); color: var(--muted); font-size: .88rem; }
.verified { font-size: .85rem; color: var(--muted); }
.verified a { color: var(--teal); }

/* Article layout */
article.guide { max-width: 760px; margin: 0 auto; padding: 44px 20px 64px; }
article.guide h1 { font-size: 2rem; line-height: 1.2; letter-spacing: -.02em; margin-bottom: 6px; }
article.guide .meta { color: var(--muted); font-size: .9rem; margin-bottom: 28px; }
article.guide ol li, article.guide ul li { margin-bottom: 8px; }
article.guide a { color: var(--teal); }

/* Calculator */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-top: 26px; }
@media (max-width: 760px) { .calc { grid-template-columns: 1fr; } }
.calc form label { display: block; font-weight: 600; margin: 16px 0 6px; }
.calc form select, .calc form input[type=checkbox] { font-size: 1rem; }
.calc form select { width: 100%; padding: 10px; border: 1px solid var(--line); border-radius: 8px; background: #fff; }
.checkrow { display: flex; align-items: flex-start; gap: 10px; margin: 10px 0; font-weight: 400; }
.checkrow small { color: var(--muted); display: block; }
.result { background: var(--navy); color: #fff; border-radius: 14px; padding: 26px; align-self: start; position: sticky; top: 84px; }
.result h3 { margin: 0 0 4px; color: #9fdcec; font-size: .95rem; text-transform: uppercase; letter-spacing: .06em; }
.result .big { font-size: 2.4rem; font-weight: 800; letter-spacing: -.02em; }
.result table { background: transparent; font-size: .9rem; margin-top: 14px; }
.result td { border-color: rgba(255,255,255,.18); color: #d9e6ef; background: transparent !important; }

/* Footer */
footer.site { background: var(--navy); color: #b9cbd8; padding: 36px 0 44px; margin-top: 40px; font-size: .9rem; }
footer.site a { color: #d9e6ef; text-decoration: none; margin-right: 16px; }
footer.site a:hover { text-decoration: underline; }
footer.site .fineprint { margin-top: 18px; font-size: .82rem; color: #8fa6b6; max-width: 820px; }