:root {
  --bg: #fbfaf7;
  --surface: #ffffff;
  --text: #1c1f23;
  --muted: #5f6670;
  --line: #e4e1da;
  --accent: #1f6f5c;
  --accent-ink: #ffffff;
  --gold: #b8892d;
  --warn-bg: #fff6e0;
  --radius: 10px;
  --wrap: 1080px;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #121416;
    --surface: #1a1d20;
    --text: #e9e7e2;
    --muted: #9aa1a9;
    --line: #2b2f34;
    --accent: #4fb39a;
    --accent-ink: #0d1412;
    --gold: #d8ac55;
    --warn-bg: #2a2416;
  }
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font: 17px/1.6 system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}
a { color: var(--accent); }
h1, h2, h3 { line-height: 1.25; }
h1 { font-size: clamp(1.8rem, 4vw, 2.6rem); margin: 0 0 .6em; }
h2 { font-size: 1.5rem; margin: 1.6em 0 .5em; }
img { max-width: 100%; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 16px; }
.section { padding: 32px 16px; }
.muted { color: var(--muted); }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 46em; }
.eyebrow { text-transform: uppercase; letter-spacing: .06em; font-size: .8rem; color: var(--gold); margin: 0 0 .6em; }
.eyebrow a { color: inherit; }

/* header / footer */
.site-header { border-bottom: 1px solid var(--line); background: var(--surface); position: sticky; top: 0; z-index: 5; }
.header-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-top: 12px; padding-bottom: 12px; flex-wrap: wrap; }
.logo { font-weight: 800; font-size: 1.15rem; color: var(--text); text-decoration: none; }
.nav { display: flex; gap: 18px; flex-wrap: wrap; }
.nav a { color: var(--muted); text-decoration: none; font-size: .95rem; }
.nav a[aria-current="page"], .nav a:hover { color: var(--text); }
.site-footer { border-top: 1px solid var(--line); margin-top: 48px; padding: 28px 0; font-size: .9rem; color: var(--muted); }
.site-footer .risk { background: var(--warn-bg); padding: 12px 14px; border-radius: var(--radius); color: var(--text); }
.footer-links a { color: var(--muted); }

/* buttons */
.btn { display: inline-block; background: var(--accent); color: var(--accent-ink); padding: 12px 20px; border-radius: var(--radius); text-decoration: none; font-weight: 600; border: 2px solid var(--accent); }
.btn.ghost { background: transparent; color: var(--accent); }
.hero { padding: 56px 0 24px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 20px; }

/* cards */
.grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 16px; }
.card { display: block; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; color: var(--text); text-decoration: none; }
.card:hover { border-color: var(--accent); }
.card h3 { margin: 0 0 .4em; }
.card p { margin: 0 0 .6em; color: var(--muted); }
.card.soon { opacity: .65; }
.count { font-size: .85rem; color: var(--gold); }
.tag { font-size: .7rem; text-transform: uppercase; background: var(--line); color: var(--muted); padding: 2px 6px; border-radius: 6px; vertical-align: middle; }

.split { display: grid; grid-template-columns: 1.4fr 1fr; gap: 32px; align-items: start; }
.note { background: var(--surface); border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: var(--radius); padding: 4px 20px; }
@media (max-width: 760px) { .split { grid-template-columns: 1fr; } }

.cta-band { background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); margin-top: 32px; }
.cta-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; padding-top: 20px; padding-bottom: 20px; }
.cta-row h2 { margin: 0 0 .2em; }
.cta-row p { margin: 0; color: var(--muted); }

/* learn */
.topic-block { border-top: 1px solid var(--line); padding-top: 4px; }
.topic-block h2 a { color: var(--text); text-decoration: none; }
.lesson-list.big { list-style: none; padding: 0; counter-reset: l; }
.lesson-list.big li { counter-increment: l; margin: 0 0 12px; }
.lesson-list.big a { display: block; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 16px; text-decoration: none; color: var(--text); }
.lesson-list.big a::before { content: counter(l) ". "; color: var(--gold); font-weight: 700; }
.lesson-list.big span { display: block; color: var(--muted); font-size: .95rem; margin-top: 2px; }

.article { max-width: 760px; padding-top: 32px; }
.article h2 { font-size: 1.35rem; }
.draft { background: var(--warn-bg); padding: 8px 12px; border-radius: var(--radius); font-size: .9rem; }
.pager { display: flex; justify-content: space-between; gap: 16px; border-top: 1px solid var(--line); margin-top: 40px; padding-top: 16px; flex-wrap: wrap; }
table { border-collapse: collapse; width: 100%; margin: 1em 0; }
th, td { border: 1px solid var(--line); padding: 8px 10px; text-align: left; }

/* forms / calculator */
.form { display: grid; gap: 14px; max-width: 520px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; }
.form label { display: grid; gap: 4px; font-weight: 600; font-size: .95rem; }
.form input, .form select { font: inherit; padding: 10px; border: 1px solid var(--line); border-radius: 8px; background: var(--bg); color: var(--text); }
.result { background: var(--bg); border: 1px dashed var(--line); border-radius: 8px; padding: 12px 14px; }
.result strong { font-size: 1.3rem; }
.disclosure { font-size: .9rem; color: var(--muted); border-left: 3px solid var(--line); padding-left: 12px; }