:root {
  --bg: #f8fafc;
  --surface: #ffffff;
  --ink: #0f172a;
  --muted: #64748b;
  --line: #dbe4ef;
  --navy: #0f172a;
  --blue: #1e3a8a;
  --blue-2: #2563eb;
  --green: #10b981;
  --amber: #f59e0b;
  --red: #ef4444;
  --shadow: 0 18px 50px rgba(15, 23, 42, .10);
  --shadow-soft: 0 10px 30px rgba(15, 23, 42, .07);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  background:
    radial-gradient(circle at 18% 12%, rgba(37, 99, 235, .10), transparent 28%),
    radial-gradient(circle at 84% 8%, rgba(16, 185, 129, .12), transparent 24%),
    var(--bg);
  color: var(--ink);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Inter, Arial, sans-serif;
  line-height: 1.6;
  overflow-x: clip;
}

/* System fonts and CSS-drawn marks only: no font or icon request blocks first paint. */

a { color: var(--blue-2); text-decoration: none; }
a:hover { color: var(--blue); }

.site-header {
  backdrop-filter: blur(18px);
  background: rgba(255, 255, 255, .88);
  border: 1px solid rgba(219, 228, 239, .9);
  border-radius: 0 0 22px 22px;
  box-shadow: 0 12px 34px rgba(15, 23, 42, .08);
  position: sticky;
  top: 0;
  z-index: 20;
}

.nav {
  align-items: center;
  display: flex;
  gap: 24px;
  justify-content: space-between;
  margin: 0 auto;
  max-width: 1180px;
  padding: 16px 22px;
}

.brand {
  align-items: center;
  color: var(--navy);
  display: inline-flex;
  font-size: 18px;
  font-weight: 900;
  gap: 10px;
  letter-spacing: 0;
  text-transform: uppercase;
}

.brand::before {
  background: #071a33 url("/assets/dscr-logo-160.webp") center / cover no-repeat;
  border: 1px solid rgba(255, 255, 255, .5);
  border-radius: 50%;
  box-shadow: 0 8px 20px rgba(15, 23, 42, .18);
  content: "";
  flex: 0 0 auto;
  height: 38px;
  width: 38px;
}

.nav-toggle {
  display: none;
}

.nav-links {
  align-items: center;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: flex-end;
}

.nav-links a {
  border-radius: 999px;
  color: #334155;
  font-size: 14px;
  font-weight: 700;
  padding: 9px 13px;
  transition: background .2s ease, color .2s ease, transform .2s ease;
}

.nav-links a:hover {
  background: #eaf2ff;
  color: var(--blue);
  text-decoration: none;
  transform: translateY(-1px);
}
.nav-links a.active,
.nav-links a[aria-current="page"] {
  background: var(--navy);
  color: #ffffff;
}

.guided-tools { border-top: 1px solid var(--line); }
.guided-tools .card { min-height: 148px; }
.guided-tools .card p { margin-bottom: 0; }

.home-hero {
  background: linear-gradient(135deg, #071a33, #0d2f59);
  color: #dbeafe;
  overflow: hidden;
  position: relative;
}
.home-hero::after {
  border: 4px solid rgba(96, 165, 250, .12);
  border-radius: 20px 20px 8px 8px;
  content: "";
  height: 220px;
  position: absolute;
  right: -42px;
  top: 96px;
  transform: rotate(45deg);
  width: 220px;
}
.home-hero-inner, .calculator-picker-inner {
  margin: 0 auto;
  max-width: 1180px;
  padding: 72px 22px;
  position: relative;
  z-index: 1;
}
.home-hero-inner { max-width: 820px; text-align: center; }
.home-eyebrow {
  color: #ff6b6f;
  font-size: 13px;
  font-weight: 950;
  letter-spacing: .11em;
  margin-bottom: 14px;
  text-transform: uppercase;
}
.home-hero h1 { color: #fff; font-size: clamp(44px, 7vw, 76px); margin-inline: auto; }
.home-hero h1 span { color: #ff6b6f; }
.home-hero-inner > p:not(.home-eyebrow):not(.home-trust) { font-size: clamp(18px, 2vw, 22px); margin: 0 auto 26px; max-width: 680px; }
.home-cta {
  align-items: center;
  background: linear-gradient(135deg, #1267e8, #2382ff);
  border-radius: 15px;
  box-shadow: 0 16px 34px rgba(18, 103, 232, .32);
  color: #fff;
  display: inline-flex;
  font-size: 18px;
  font-weight: 900;
  gap: 10px;
  justify-content: center;
  min-height: 54px;
  padding: 14px 24px;
}
.home-cta:hover { color: #fff; transform: translateY(-2px); }
.home-trust { color: #cbd5e1; font-size: 14px; margin: 18px 0 0; }
.home-trust span { color: #3b82f6; padding: 0 8px; }
.calculator-picker { background: #fff; }
.calculator-picker-inner { padding-bottom: 52px; padding-top: 52px; }
.calculator-picker h2 { text-align: center; }
.calculator-picker-grid {
  display: grid;
  gap: 14px;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  margin-top: 28px;
}
.calculator-choice {
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 20px;
  color: var(--navy);
  display: flex;
  flex-direction: column;
  min-height: 180px;
  padding: 26px 16px 20px;
  position: relative;
  text-align: center;
}
.calculator-choice:hover { border-color: var(--blue-2); color: var(--navy); box-shadow: var(--shadow-soft); }
.calculator-choice.featured { border: 2px solid var(--blue-2); }
.choice-badge { background: var(--blue-2); border-radius: 999px; color: #fff; font-size: 11px; font-weight: 900; left: 12px; padding: 4px 8px; position: absolute; text-transform: uppercase; top: 10px; }
.choice-icon { align-items: center; color: var(--blue-2); display: flex; font-size: 25px; font-weight: 950; height: 48px; justify-content: center; margin: 14px 0 6px; }
.choice-icon.text-icon { font-size: 16px; }
.calculator-choice strong { font-size: 18px; }
.calculator-choice small { color: var(--muted); line-height: 1.35; margin-top: 6px; }
.risk-hook { background: #fff1f2; border-left: 5px solid var(--red); border-radius: 14px; color: #7f1d1d; margin: 20px 0 0; padding: 15px 18px; }
.tool-intro h2 { font-size: clamp(30px, 4vw, 48px); }

.hero {
  border-bottom: 1px solid rgba(219, 228, 239, .7);
  overflow: hidden;
  position: relative;
}

.hero::before {
  background: linear-gradient(135deg, rgba(30, 58, 138, .08), rgba(16, 185, 129, .08));
  border-radius: 999px;
  content: "";
  height: 520px;
  position: absolute;
  right: -190px;
  top: -230px;
  width: 520px;
}

.hero-inner, .section, .footer-inner {
  margin: 0 auto;
  max-width: 1180px;
  padding: 64px 22px;
  position: relative;
}

.hero-grid {
  align-items: center;
  display: grid;
  gap: 36px;
  grid-template-columns: minmax(0, 1.03fr) minmax(390px, .72fr);
}

.eyebrow {
  align-items: center;
  background: rgba(16, 185, 129, .10);
  border: 1px solid rgba(16, 185, 129, .22);
  border-radius: 999px;
  color: #047857;
  display: inline-flex;
  font-size: 12px;
  font-weight: 900;
  letter-spacing: .08em;
  margin-bottom: 16px;
  padding: 7px 11px;
  text-transform: uppercase;
}

h1, h2, h3 {
  color: var(--navy);
  line-height: 1.08;
  margin: 0 0 15px;
}
h1 { font-size: clamp(42px, 7vw, 76px); letter-spacing: 0; max-width: 780px; }
h2 { font-size: clamp(25px, 3vw, 38px); letter-spacing: 0; }
h3 { font-size: 20px; letter-spacing: 0; }
p { margin: 0 0 16px; }

.lead {
  color: #475569;
  font-size: clamp(18px, 2.1vw, 21px);
  max-width: 760px;
}

.proof-list { color: #334155; list-style: none; margin: 24px 0 0; padding: 0; }
.proof-list li { margin: 9px 0; padding-left: 26px; position: relative; }
.proof-list li::before { color: var(--green); content: "✓"; font-weight: 950; left: 0; position: absolute; }
.tool-heading { align-items: center; display: flex; justify-content: space-between; margin-bottom: 16px; }
.tool-heading > div { align-items: center; display: flex; gap: 10px; }
.tool-heading h2 { font-size: 21px; margin: 0; }
.tool-heading.compact { margin-bottom: 12px; }
.step { color: var(--blue-2); font-size: 12px; font-weight: 950; letter-spacing: .08em; }
.saved-note { color: #64748b; font-size: 12px; font-weight: 700; }
.stress-box { background: #f5f9ff; border: 1px solid #dbeafe; border-radius: 18px; margin-top: 18px; padding: 16px; }
.form-section { background: #f8fbff; border: 1px solid var(--line); border-radius: 18px; margin-top: 16px; padding: 16px; }
.form-section legend { color: var(--navy); font-size: 17px; font-weight: 900; padding: 0 8px; }
.reconciliation-list { color: #cbd5e1; margin: 16px 0 0; padding-left: 20px; }
.reconciliation-list li { margin: 6px 0; }
.tool .stress-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.result-foot { border-top: 1px solid rgba(255,255,255,.12); margin: 18px 0 0; padding-top: 14px; }
.result-foot strong { color: #fff; }
.card-kicker { color: #047857; display: block; font-size: 12px; font-weight: 900; letter-spacing: .06em; margin-bottom: 10px; text-transform: uppercase; }
.split-section { align-items: center; display: grid; gap: 30px; grid-template-columns: 1fr 1fr; }

.note {
  background: #ffffff;
  border: 1px solid #dbeafe;
  border-left: 5px solid var(--green);
  border-radius: 16px;
  box-shadow: var(--shadow-soft);
  color: #334155;
  margin-top: 22px;
  padding: 16px 18px;
}

.tool {
  background: rgba(255, 255, 255, .96);
  border: 1px solid rgba(219, 228, 239, .94);
  border-radius: 26px;
  box-shadow: var(--shadow);
  padding: 24px;
}

.form-grid { display: grid; gap: 14px; }
.tool .form-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.tool .form-grid > div { min-width: 0; }

label {
  color: #334155;
  display: block;
  font-size: 13px;
  font-weight: 800;
  margin-bottom: 7px;
}

.input-shell {
  align-items: center;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 14px;
  display: flex;
  min-height: 52px;
  overflow: hidden;
  transition: border-color .2s ease, box-shadow .2s ease, transform .2s ease;
}

.input-shell:focus-within {
  border-color: var(--blue-2);
  box-shadow: 0 0 0 4px rgba(37, 99, 235, .15);
  transform: translateY(-1px);
}

.input-prefix {
  align-items: center;
  align-self: stretch;
  background: #f1f5f9;
  border-right: 1px solid var(--line);
  color: #1e3a8a;
  display: inline-flex;
  font-weight: 900;
  justify-content: center;
  min-width: 46px;
}

input {
  background: transparent;
  border: 0;
  color: var(--ink);
  font: inherit;
  font-size: 16px;
  font-weight: 700;
  min-width: 0;
  padding: 13px 14px;
  width: 100%;
}
input:focus { outline: none; }

.button-row { display: flex; gap: 10px; margin-top: 18px; }

button, .button {
  align-items: center;
  background: linear-gradient(135deg, var(--blue), var(--blue-2));
  border: 0;
  border-radius: 14px;
  box-shadow: 0 12px 25px rgba(37, 99, 235, .22);
  color: #ffffff;
  cursor: pointer;
  display: inline-flex;
  font: inherit;
  font-weight: 900;
  justify-content: center;
  min-height: 48px;
  padding: 12px 18px;
  transition: box-shadow .2s ease, transform .2s ease;
}

button:hover, .button:hover {
  box-shadow: 0 16px 34px rgba(37, 99, 235, .30);
  color: #ffffff;
  text-decoration: none;
  transform: translateY(-2px);
}

button.secondary, .button.secondary {
  background: #e8f3ff;
  box-shadow: none;
  color: var(--blue);
}

.result {
  background: linear-gradient(135deg, rgba(15, 23, 42, .96), rgba(30, 58, 138, .94));
  border: 1px solid rgba(148, 163, 184, .22);
  border-radius: 24px;
  box-shadow: 0 20px 50px rgba(15, 23, 42, .22);
  color: #dbeafe;
  margin-top: 20px;
  overflow: hidden;
  padding: 22px;
  position: relative;
}

.result::after {
  background: radial-gradient(circle, rgba(16, 185, 129, .34), transparent 62%);
  content: "";
  height: 220px;
  position: absolute;
  right: -88px;
  top: -96px;
  width: 220px;
}
.result > * { position: relative; z-index: 1; }

.ratio {
  color: #ffffff;
  font-size: clamp(44px, 7vw, 68px);
  font-weight: 950;
  letter-spacing: 0;
  line-height: 1;
  margin: 12px 0;
  min-height: 68px;
  font-variant-numeric: tabular-nums;
}
.compact-ratio { font-size: clamp(34px, 6vw, 58px); overflow-wrap: anywhere; }
.result-label { color: #93c5fd; display: block; font-size: 12px; font-weight: 900; letter-spacing: .05em; margin-top: 12px; text-transform: uppercase; }
.result p { color: #cbd5e1; }
.result > p:not(.result-foot) { min-height: 4.8em; }

.calculator-actions {
  display: grid;
  gap: 10px;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin: 16px 0 6px;
}
.secondary-button {
  align-items: center;
  background: #eef5ff;
  border: 1px solid #cbdcf5;
  border-radius: 12px;
  color: #12376d;
  cursor: pointer;
  display: inline-flex;
  font: inherit;
  font-size: 14px;
  font-weight: 850;
  justify-content: center;
  min-height: 46px;
  padding: 10px 14px;
}
.secondary-button:hover { background: #dfeeff; border-color: #93b8ea; }
.calculator-feedback {
  color: #52657d;
  font-size: 13px;
  line-height: 1.45;
  margin: 8px 0 12px;
  min-height: 20px;
}

.status {
  align-items: center;
  border-radius: 999px;
  display: inline-flex;
  font-size: 12px;
  font-weight: 950;
  letter-spacing: .04em;
  padding: 7px 11px;
  text-transform: uppercase;
  min-height: 30px;
}
.status.good { background: rgba(16, 185, 129, .16); color: #6ee7b7; }
.status.warn { background: rgba(245, 158, 11, .16); color: #fcd34d; }
.status.bad { background: rgba(239, 68, 68, .16); color: #fca5a5; }

.metrics {
  display: grid;
  gap: 12px;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 18px;
}
.metrics-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }

.metric {
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(255, 255, 255, .12);
  border-radius: 16px;
  color: #cbd5e1;
  padding: 14px;
}
.metric span {
  display: block;
  font-size: 12px;
  font-weight: 800;
  margin-bottom: 4px;
  text-transform: uppercase;
}
.metric strong { color: #ffffff; display: block; font-size: 20px; font-variant-numeric: tabular-nums; line-height: 1.2; min-height: 24px; }

.grid-3, .grid-2 { display: grid; gap: 18px; }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }

.card {
  background: rgba(255, 255, 255, .94);
  border: 1px solid rgba(219, 228, 239, .94);
  border-radius: 22px;
  box-shadow: var(--shadow-soft);
  color: #475569;
  display: block;
  padding: 24px;
  transition: border-color .2s ease, box-shadow .2s ease, transform .2s ease;
}
a.card:hover {
  border-color: rgba(37, 99, 235, .28);
  box-shadow: var(--shadow);
  text-decoration: none;
  transform: translateY(-3px);
}
.card h2, .card h3 { color: var(--navy); }
.list { color: #475569; padding-left: 22px; }
.list li { margin-bottom: 8px; }

.table-wrap {
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: var(--shadow-soft);
  overflow-x: auto;
}
table { border-collapse: collapse; min-width: 680px; width: 100%; }
td, th { border-bottom: 1px solid #e2e8f0; padding: 16px 18px; text-align: left; }
th {
  background: #f1f7ff;
  color: #1e3a8a;
  font-size: 13px;
  letter-spacing: .04em;
  text-transform: uppercase;
}
td { color: #475569; }
tbody tr:hover { background: #f8fbff; }

.site-footer {
  background: #0b1220;
  color: #94a3b8;
  margin-top: 30px;
}

@supports (content-visibility: auto) {
  .section { content-visibility: auto; contain-intrinsic-size: 1px 720px; }
}
.site-footer a { color: #6ee7b7; }

@media (max-width: 920px) {
  .hero-grid, .grid-2, .grid-3, .split-section { grid-template-columns: 1fr; }
  .tool .form-grid { grid-template-columns: 1fr; }
  .calculator-picker-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}

@media (max-width: 720px) {
  .site-header { backdrop-filter: none; background: #071a33; border: 0; border-bottom: 1px solid rgba(148, 163, 184, .25); border-radius: 0; box-shadow: 0 6px 18px rgba(2, 8, 23, .22); }
  .nav { align-items: center; flex-direction: row; flex-wrap: wrap; gap: 0; min-height: 68px; padding: 9px 14px; }
  .brand { color: #fff; flex: 0 0 auto; font-size: 18px; gap: 9px; }
  .brand:hover { color: #fff; }
  .brand::before { height: 44px; width: 44px; }
  .nav-toggle {
    align-items: center;
    background: transparent;
    border: 0;
    border-radius: 10px;
    box-shadow: none;
    display: inline-flex;
    flex-direction: column;
    gap: 5px;
    height: 46px;
    margin-left: auto;
    min-height: 46px;
    padding: 10px;
    width: 46px;
  }
  .nav-toggle:hover { background: rgba(255,255,255,.08); box-shadow: none; transform: none; }
  .nav-toggle span { background: #fff; border-radius: 99px; display: block; height: 3px; transition: transform .2s ease, opacity .2s ease; width: 27px; }
  .site-header.menu-open .nav-toggle span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
  .site-header.menu-open .nav-toggle span:nth-child(2) { opacity: 0; }
  .site-header.menu-open .nav-toggle span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }
  .nav-links {
    border-top: 1px solid rgba(148, 163, 184, .2);
    display: none;
    flex: 1 0 100%;
    gap: 8px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    margin-top: 9px;
    padding: 10px 0 5px;
    width: 100%;
  }
  .site-header.menu-open .nav-links { display: grid; }
  .nav-links a { align-items: center; background: rgba(255,255,255,.08); color: #e2e8f0; display: inline-flex; font-size: 13px; justify-content: center; min-height: 44px; padding: 9px 10px; text-align: center; }
  .nav-links a:hover { background: rgba(255,255,255,.14); color: #fff; transform: none; }
  .nav-links a.active, .nav-links a[aria-current="page"] { background: #2563eb; color: #fff; }
  .hero-inner { padding: 30px 16px 38px; }
  .section, .footer-inner { padding: 36px 16px; }
  .hero-grid { gap: 24px; }
  h1 { font-size: clamp(34px, 10.5vw, 42px); line-height: 1.02; }
  .lead { font-size: 17px; line-height: 1.55; }
  .eyebrow { margin-bottom: 12px; }
  .tool { border-radius: 22px; padding: 18px; }
  .metrics { grid-template-columns: 1fr; }
  .result > p:not(.result-foot) { min-height: 8em; }
  .tool .stress-grid { grid-template-columns: 1fr; }
  .button-row { flex-direction: column; }
  .calculator-actions { grid-template-columns: 1fr; }
  .guided-tools .grid-3 { gap: 12px; }
  .guided-tools .card { min-height: 0; padding: 18px; }
  .home-hero-inner { padding: 48px 18px 44px; text-align: left; }
  .home-hero h1 { font-size: clamp(42px, 13vw, 56px); line-height: 1.04; }
  .home-hero-inner > p:not(.home-eyebrow):not(.home-trust) { font-size: 17px; margin-left: 0; }
  .home-cta { display: flex; font-size: 17px; width: 100%; }
  .home-trust { text-align: center; }
  .calculator-picker-inner { padding: 38px 16px; }
  .calculator-picker h2 { font-size: 30px; text-align: left; }
  .calculator-picker-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); margin-top: 20px; }
  .calculator-choice { min-height: 150px; padding: 22px 10px 15px; }
  .calculator-choice.wide { grid-column: 1 / -1; min-height: 112px; }
  .choice-icon { margin-top: 10px; }
  .risk-hook { font-size: 15px; line-height: 1.45; }
  #deal-test { scroll-margin-top: 72px; }
}

/* --- added: legal microcopy + visible FAQ (additive only, no existing rules changed) --- */
.tool-disclaimer { color: #94a3b8; font-size: 12.5px; line-height: 1.5; margin: 10px 2px 0; text-align: center; }
.tool-disclaimer a { color: #93c5fd; }
.faq-list { display: flex; flex-direction: column; gap: 10px; margin-top: 22px; max-width: 760px; }
.faq-item { background: rgba(255,255,255,.03); border: 1px solid rgba(148,163,184,.18); border-radius: 14px; padding: 16px 18px; }
.faq-item summary { cursor: pointer; font-weight: 600; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; float: right; color: #60a5fa; }
.faq-item[open] summary::after { content: "\2212"; }
.faq-item p { color: #cbd5e1; margin-top: 10px; }
@media (max-width: 720px) {
  .tool-disclaimer { font-size: 12px; }
  .faq-item { padding: 14px; }
}