:root{
  color-scheme: light dark;
  --bg:#f3f6f0; --surface:#ffffff; --surface-2:#edf2e9; --ink:#182420; --muted:#57665c;
  --line:#d8e1d4; --green:#14632f; --green-deep:#0b3520; --green-soft:#e3efe2;
  --amber:#c2740a; --amber-bright:#f2a007; --amber-soft:#fdf0da;
  --red:#b3352b; --red-soft:#fbe9e6;
  --shadow:0 1px 2px rgba(16,42,24,.06),0 8px 24px -12px rgba(16,42,24,.18);
  --r-lg:18px; --r-md:12px; --r-sm:8px;
}
@media (prefers-color-scheme: dark){
  :root{
    --bg:#0a120d; --surface:#121d15; --surface-2:#182619; --ink:#e9f2ea; --muted:#9db3a2;
    --line:#27392b; --green:#43b06b; --green-deep:#0e2a1a; --green-soft:#1a2f20;
    --amber:#f0a81e; --amber-bright:#f5b82e; --amber-soft:#2d2410;
    --red:#e07a6e; --red-soft:#3a1d19;
    --shadow:0 1px 2px rgba(0,0,0,.4),0 10px 28px -12px rgba(0,0,0,.6);
  }
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif;font-size:16.5px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,.display{font-family:"Bitter",Georgia,serif;line-height:1.18;letter-spacing:-.01em;margin:0}
a{color:var(--green);text-decoration-thickness:1px;text-underline-offset:2px}
a:hover{text-decoration:underline}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.num{font-variant-numeric:tabular-nums}

/* ---------- header ---------- */
header.site{position:sticky;top:0;z-index:50;background:var(--surface);border-bottom:1px solid var(--line)}
.header-in{display:flex;align-items:center;gap:18px;min-height:60px}
.wordmark{display:flex;align-items:center;gap:9px;text-decoration:none;color:var(--ink);flex:none}
.wordmark:hover{text-decoration:none}
.wordmark .sun-badge{width:34px;height:34px;border-radius:9px;background:var(--green-deep);display:grid;place-items:center;flex:none}
.wordmark b{font-family:"Bitter",Georgia,serif;font-size:19px;font-weight:800;letter-spacing:-.01em}
.wordmark b em{font-style:normal;color:var(--amber)}
nav.main{display:flex;align-items:center;gap:2px;margin-left:auto}
nav.main a{color:var(--ink);text-decoration:none;font-size:14.5px;font-weight:500;padding:8px 11px;border-radius:8px;white-space:nowrap}
nav.main a:hover{background:var(--surface-2);text-decoration:none}
nav.main a.active{background:var(--green-soft);color:var(--green);font-weight:600}
nav.main a.cta-nav{background:var(--amber-bright);color:#231600;font-weight:700;margin-left:8px}
nav.main a.cta-nav:hover{background:var(--amber)}
.menu-btn{display:none;margin-left:auto;background:var(--surface-2);border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit;font-size:14px;font-weight:600;color:var(--ink);cursor:pointer}
@media (max-width:900px){
  .menu-btn{display:block}
  nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:var(--surface);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 16px 16px;box-shadow:var(--shadow)}
  nav.main.open{display:flex}
  nav.main a{padding:11px 10px;border-bottom:1px solid var(--line)}
  nav.main a:last-child{border-bottom:none}
  nav.main a.cta-nav{margin:10px 0 0;text-align:center}
  header.site .wrap{position:relative}
}

/* ---------- hero ---------- */
.hero{background:var(--green-deep);color:#eef6ee;border-radius:var(--r-lg);padding:38px 34px;margin:26px 0 8px;position:relative;overflow:hidden}
.hero h1{font-size:clamp(29px,5.2vw,44px);font-weight:800;max-width:16em}
.hero h1 .hl{color:var(--amber-bright)}
.hero p.lede{font-size:clamp(16px,2.4vw,19px);color:#cfe3d2;max-width:36em;margin:14px 0 22px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;position:relative;z-index:2}
.hero-art{position:absolute;right:-30px;bottom:-8px;width:min(46%,430px);opacity:.96;pointer-events:none}
@media (max-width:760px){.hero-art{display:none}}
.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:18px 0 6px}
.stat{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:14px 16px}
.stat b{display:block;font-family:"Bitter",serif;font-size:21px;line-height:1.15}
.stat span{font-size:13px;color:var(--muted)}
@media (max-width:820px){.stat-strip{grid-template-columns:repeat(2,1fr)}}

/* ---------- buttons / pills ---------- */
.btn{display:inline-flex;align-items:center;gap:8px;border-radius:10px;padding:12px 20px;font-weight:700;font-size:15.5px;text-decoration:none;border:1px solid transparent;cursor:pointer;font-family:inherit;line-height:1.2}
.btn:hover{text-decoration:none}
.btn-amber{background:var(--amber-bright);color:#231600}
.btn-amber:hover{background:var(--amber)}
.btn-green{background:var(--green);color:#fff}
.btn-green:hover{background:var(--green-deep)}
.btn-ghost{background:transparent;color:inherit;border-color:rgba(255,255,255,.45)}
.btn-ghost:hover{border-color:#fff}
.btn-outline{background:var(--surface);color:var(--green);border-color:var(--green)}
.btn-outline:hover{background:var(--green-soft)}
.pill{display:inline-flex;align-items:center;gap:6px;font-size:12.5px;font-weight:600;padding:3px 10px;border-radius:999px;background:var(--green-soft);color:var(--green);white-space:nowrap}
.pill.amber{background:var(--amber-soft);color:var(--amber)}
.pill.red{background:var(--red-soft);color:var(--red)}
.pill.grey{background:var(--surface-2);color:var(--muted)}

/* ---------- tool cards ---------- */
.section-head{margin:38px 0 6px;display:flex;align-items:baseline;gap:14px;flex-wrap:wrap}
.section-head h2{font-size:clamp(23px,3.6vw,30px);font-weight:800}
.section-sub{color:var(--muted);margin:0 0 18px;max-width:44em}
.tool-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width:940px){.tool-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.tool-grid{grid-template-columns:1fr}}
.tool-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:20px;display:flex;flex-direction:column;gap:8px;text-decoration:none;color:var(--ink);box-shadow:var(--shadow)}
.tool-card:hover{text-decoration:none;border-color:var(--green)}
.tool-card .ic{width:44px;height:44px;border-radius:11px;background:var(--green-soft);display:grid;place-items:center;color:var(--green)}
.tool-card h3{font-size:18.5px;font-weight:700}
.tool-card p{margin:0;color:var(--muted);font-size:14.5px;flex:1}
.tool-card .go{font-weight:700;color:var(--green);font-size:14.5px}

/* ---------- calculator ---------- */
.page-head{margin:30px 0 4px}
.page-head h1{font-size:clamp(27px,4.6vw,38px);font-weight:800;max-width:20em}
.page-head .lede{color:var(--muted);font-size:17.5px;max-width:40em;margin:10px 0 0}
.calc{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:24px;margin:22px 0}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
@media (max-width:820px){.calc-grid{grid-template-columns:1fr}}
.field{margin-bottom:18px}
.field label{display:block;font-weight:600;font-size:14.5px;margin-bottom:6px}
.field .hint{font-size:13px;color:var(--muted);margin-top:5px}
.field input[type=number],.field input[type=text],.field input[type=email],.field select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:var(--r-sm);background:var(--surface);color:var(--ink);font:inherit;font-size:16px}
.field input:focus,.field select:focus{outline:2px solid var(--green);outline-offset:1px;border-color:var(--green)}
.range-row{display:flex;align-items:center;gap:14px}
.range-row input[type=range]{flex:1;accent-color:var(--amber-bright);height:28px}
.range-val{font-weight:700;font-size:17px;min-width:86px;text-align:right}
.seg-toggle{display:flex;gap:8px;flex-wrap:wrap}
.seg-toggle button{flex:1;min-width:90px;padding:10px 8px;border-radius:var(--r-sm);border:1px solid var(--line);background:var(--surface);color:var(--ink);font:inherit;font-size:14.5px;font-weight:600;cursor:pointer}
.seg-toggle button.on{background:var(--green);border-color:var(--green);color:#fff}
.results{background:var(--green-soft);border:1px solid var(--line);border-radius:var(--r-md);padding:20px}
.res-label{font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--green)}
.res-value{display:block;font-family:"Bitter",serif;font-size:clamp(28px,4.6vw,38px);font-weight:800;line-height:1.15;margin:4px 0}
.res-sub{color:var(--muted);font-size:14.5px}
.breakdown{margin-top:16px;border-top:1px solid var(--line);padding-top:12px}
.breakdown .row{display:flex;justify-content:space-between;gap:16px;padding:5px 0;font-size:15px}
.breakdown .row span:first-child{color:var(--muted)}
.breakdown .row span:last-child{font-weight:600;text-align:right}
.breakdown .row.total{border-top:1px solid var(--line);margin-top:8px;padding-top:10px;font-size:16px}
.breakdown .row.total span{color:var(--ink);font-weight:700}
table.tbl{width:100%;border-collapse:collapse;margin:14px 0;font-size:15px}
table.tbl th,table.tbl td{padding:9px 12px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
table.tbl th{font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid var(--line)}
table.tbl td:last-child,table.tbl th:last-child{text-align:right}
table.tbl td.n,table.tbl th.n{text-align:right;font-variant-numeric:tabular-nums}
.note{font-size:13.5px;color:var(--muted)}
.deadline-flag{background:var(--red-soft);border:1px solid var(--red);color:var(--ink);border-radius:var(--r-md);padding:14px 18px;margin:18px 0;font-size:15px}
.deadline-flag b{color:var(--red)}
.good-flag{background:var(--green-soft);border:1px solid var(--green);border-radius:var(--r-md);padding:14px 18px;margin:18px 0;font-size:15px}

/* ---------- prose / faq ---------- */
.prose{max-width:46em}
.prose h2{font-size:24px;font-weight:800;margin:34px 0 10px}
.prose h3{font-size:19px;font-weight:700;margin:24px 0 8px}
.prose p{margin:0 0 14px}
.prose ul{margin:0 0 14px;padding-left:22px}
.prose li{margin-bottom:6px}
.divider{border:none;border-top:1px solid var(--line);margin:36px 0}
details.faq{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);margin-bottom:10px;overflow:hidden}
details.faq summary{cursor:pointer;font-weight:600;padding:15px 18px;list-style:none;display:flex;justify-content:space-between;gap:14px;align-items:center}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";font-size:22px;color:var(--green);font-weight:700;flex:none}
details.faq[open ] summary::after{content:"–"}
details.faq .a{padding:0 18px 16px;color:var(--muted)}
details.faq .a p{margin:0 0 10px}
.cta-band{background:var(--amber-bright);color:#2a1a00;border-radius:var(--r-lg);padding:26px 28px;margin:34px 0;display:flex;gap:20px;align-items:center;flex-wrap:wrap}
.cta-band h2{font-size:24px;font-weight:800}
.cta-band p{margin:4px 0 0;color:#4d3503;max-width:34em}
.cta-band .btn{background:#231600;color:#ffd97a;margin-left:auto}
.cta-band .btn:hover{background:#000}
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:18px 0}
@media (max-width:820px){.trust-grid{grid-template-columns:1fr}}
.trust-item{background:var(--surface);border:1px solid var(--line);border-top:4px solid var(--amber-bright);border-radius:var(--r-md);padding:18px}
.trust-item h3{font-size:17px;margin-bottom:6px}
.trust-item p{margin:0;color:var(--muted);font-size:14.5px}
.grant-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-md);padding:18px 20px;margin-bottom:14px}
.grant-card h3{font-size:18px;display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.grant-card p{margin:6px 0;color:var(--muted);font-size:15px}
.guide-list{display:grid;gap:16px;margin:20px 0}
.guide-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:22px;text-decoration:none;color:var(--ink);display:block;box-shadow:var(--shadow)}
.guide-card:hover{text-decoration:none;border-color:var(--green)}
.guide-card h2,.guide-card h3{font-size:21px;margin-bottom:6px}
.guide-card p{margin:0;color:var(--muted)}
.band-letter{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:7px;font-weight:800;color:#fff;font-family:"Bitter",serif}
footer.site{border-top:1px solid var(--line);background:var(--surface);margin-top:56px;padding:36px 0 30px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:26px}
@media (max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}
footer.site h4{font-size:13px;letter-spacing:.07em;text-transform:uppercase;color:var(--muted);margin:0 0 10px}
footer.site ul{list-style:none;margin:0;padding:0}
footer.site li{margin-bottom:7px;font-size:14.5px}
footer.site a{color:var(--ink);text-decoration:none}
footer.site a:hover{text-decoration:underline}
.foot-base{border-top:1px solid var(--line);margin-top:26px;padding-top:18px;font-size:13.5px;color:var(--muted);display:flex;gap:14px;flex-wrap:wrap;justify-content:space-between}
.kbd-fig{font-weight:700;color:var(--ink)}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}