:root {
  --charcoal: #3a3a3c;
  --grey: #6f6f72;
  --yellow: #fdd047;
  --teal: #2ea2b1;
  --teal-dark: #1f7f8c;
  --coral: #f26b5b;
  --coral-dark: #d4503f;
  --slate: #47546a;
  --green: #568f56;
  --paper: #ffffff;
  --mist: #f3f7f8;
  --line: #e2e8eb;
  --radius: 20px;
  --max: 1160px;
  --round: ui-rounded, "SF Pro Rounded", "Arial Rounded MT Bold", Nunito, system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body { margin: 0; font-family: var(--font); font-size: 17px; line-height: 1.6; color: var(--charcoal); background: var(--paper); -webkit-font-smoothing: antialiased; }
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }
[hidden] { display: none !important; }

h1, h2, h3 { font-family: var(--round); font-weight: 800; line-height: 1.08; margin: 0 0 .5em; letter-spacing: -0.02em; text-wrap: balance; }
h1 { font-size: clamp(2.3rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.9rem, 3.5vw, 2.6rem); }
h3 { font-size: 1.15rem; letter-spacing: -0.01em; line-height: 1.3; }
p { margin: 0 0 1em; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.hl { color: var(--teal-dark); }
.eyebrow { font-family: var(--round); font-size: .8rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--coral-dark); margin-bottom: .8em; }
.lead { font-size: 1.12rem; color: var(--grey); max-width: 36em; }

.btn { display: inline-block; padding: .85em 1.6em; border-radius: 999px; background: var(--coral); color: #fff; font-family: var(--round); font-weight: 800; font-size: 1rem; text-decoration: none; border: 2px solid var(--coral); cursor: pointer; transition: background .15s, transform .15s; }
.btn:hover { background: var(--coral-dark); border-color: var(--coral-dark); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--charcoal); border-color: var(--charcoal); }
.btn-ghost:hover { background: var(--charcoal); border-color: var(--charcoal); color: #fff; }
.btn-small { padding: .5em 1.15em; font-size: .92rem; }
.btn:focus-visible, .tog:focus-visible, .line:focus-visible, summary:focus-visible, .gov-link:focus-visible, .nav a:focus-visible { outline: 3px solid var(--teal); outline-offset: 3px; }

.site-header { position: sticky; top: 0; z-index: 10; background: rgba(255,255,255,.96); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; height: 76px; gap: 20px; }
.brand img { width: 200px; }
.nav { display: flex; align-items: center; gap: 24px; margin-left: auto; }
.nav a:not(.btn) { text-decoration: none; font-weight: 600; font-size: .94rem; color: var(--grey); }
.nav a:not(.btn):hover { color: var(--teal-dark); }

.hero { padding: 64px 0 76px; background: linear-gradient(180deg, var(--mist), var(--paper)); overflow: hidden; }
.hero-inner { display: grid; grid-template-columns: 1.15fr .85fr; align-items: center; gap: 48px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero-card { background: #fff; border-radius: 28px; padding: 34px 30px; box-shadow: 0 24px 50px rgba(58,58,60,.12); text-align: center; }
.ring-wrap { width: 190px; margin: 0 auto 24px; animation: spin 40s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.equation { display: flex; flex-direction: column; align-items: center; gap: 6px; }
.eq { font-family: var(--round); font-weight: 800; font-size: 1.1rem; padding: .45em 1.1em; border-radius: 999px; }
.eq1 { background: #e3f4f6; color: var(--teal-dark); }
.eq2 { background: #fff5d3; color: #8a6a00; }
.eq3 { background: #fde6e3; color: var(--coral-dark); }
.plus { font-family: var(--round); font-weight: 800; color: var(--grey); }

.stats { background: var(--charcoal); color: #fff; }
.stats-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; padding-top: 28px; padding-bottom: 28px; }
.stats div { display: flex; flex-direction: column; border-left: 4px solid var(--yellow); padding-left: 14px; }
.stats div:nth-child(2) { border-color: var(--teal); }
.stats div:nth-child(3) { border-color: var(--coral); }
.stats div:nth-child(4) { border-color: var(--green); }
.stats strong { font-family: var(--round); font-size: 1.35rem; }
.stats span { font-size: .9rem; color: rgba(255,255,255,.75); }

.section { padding: 84px 0; }
.section-alt { background: var(--mist); }

.toggle { display: inline-flex; padding: 5px; background: var(--mist); border-radius: 999px; margin: 8px 0 30px; flex-wrap: wrap; }
.tog { font-family: var(--round); font-weight: 800; font-size: .98rem; padding: .65em 1.3em; border-radius: 999px; border: 0; background: transparent; color: var(--grey); cursor: pointer; }
.tog.is-active { background: var(--teal); color: #fff; }
.panel { display: grid; grid-template-columns: .9fr 1.1fr; gap: 48px; align-items: start; }
.panel-text h3 { font-size: 1.6rem; }
.panel-text p { color: var(--grey); }
.benefits { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.benefits li { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 18px 20px; }
.benefits li:nth-child(1) { border-top: 4px solid var(--yellow); }
.benefits li:nth-child(2) { border-top: 4px solid var(--teal); }
.benefits li:nth-child(3) { border-top: 4px solid var(--coral); }
.benefits li:nth-child(4) { border-top: 4px solid var(--slate); }
.benefits span { color: var(--grey); font-size: .95rem; }

.steps { list-style: none; margin: 32px 0 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.steps li { background: #fff; border-radius: var(--radius); padding: 24px 22px; }
.steps p { margin: 0; color: var(--grey); }
.step-num { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; font-family: var(--round); font-weight: 800; font-size: 1.2rem; color: #fff; margin-bottom: 14px; }
.s1 { background: var(--yellow); color: var(--charcoal); } .s2 { background: var(--teal); } .s3 { background: var(--coral); } .s4 { background: var(--slate); }

.payslip-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.explain { margin-top: 22px; background: var(--mist); border-left: 4px solid var(--teal); border-radius: 0 16px 16px 0; padding: 18px 22px; }
.explain-title { margin: 0 0 .25em; font-family: var(--round); font-weight: 800; font-size: 1.15rem; }
.explain-text { margin: 0; color: var(--grey); }
.payslip { background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 24px; box-shadow: 0 20px 40px rgba(58,58,60,.08); display: grid; gap: 6px; }
.payslip-head { display: flex; justify-content: space-between; align-items: baseline; margin: 0 0 8px; padding-bottom: 12px; border-bottom: 2px dashed var(--line); font-family: var(--round); font-weight: 800; font-size: 1.2rem; }
.payslip-head small { font-family: var(--font); font-weight: 600; font-size: .8rem; color: var(--grey); }
.line { font: inherit; display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 14px; text-align: left; padding: 12px 14px; border-radius: 12px; border: 2px solid transparent; background: transparent; color: var(--charcoal); cursor: pointer; font-weight: 600; }
.line:hover { background: var(--mist); }
.line.is-active { border-color: var(--teal); background: #eef8f9; }
.bar { height: 10px; border-radius: 999px; justify-self: end; }
.b1 { width: 100%; background: var(--slate); } .b2 { width: 18%; background: var(--coral); } .b3 { width: 8%; background: var(--yellow); }
.b4 { width: 74%; background: var(--teal); } .b5 { width: 22%; background: var(--coral); } .b6 { width: 6%; background: var(--green); }
.b7 { width: 52%; background: var(--green); }
.line-total { border-top: 2px dashed var(--line); border-radius: 0 0 12px 12px; margin-top: 4px; font-family: var(--round); font-weight: 800; }
.line-total.is-active { border-top-style: solid; }

.section-check { background: var(--slate); color: #fff; }
.section-check .eyebrow { color: var(--yellow); }
.section-check .lead { color: rgba(255,255,255,.82); }
.check { display: grid; grid-template-columns: 1.2fr .8fr; gap: 48px; align-items: center; }
.gov-link { display: flex; flex-direction: column; gap: 4px; text-decoration: none; background: #fff; color: var(--charcoal); border-radius: 20px; padding: 26px 28px; border-left: 8px solid var(--teal); transition: transform .15s; }
.gov-link:hover { transform: translateY(-2px); }
.gov-title { font-family: var(--round); font-weight: 800; font-size: 1.25rem; line-height: 1.25; }
.gov-meta { color: var(--grey); font-size: .9rem; }
.gov-cta { margin-top: 10px; font-weight: 700; color: var(--teal-dark); }

.faq { display: grid; grid-template-columns: .8fr 1.2fr; gap: 56px; align-items: start; }
.faq-list { display: grid; gap: 10px; }
.faq-list details { background: #fff; border-radius: 14px; padding: 2px 22px; }
.faq-list summary { cursor: pointer; font-family: var(--round); font-weight: 800; padding: 15px 0; list-style: none; display: flex; justify-content: space-between; gap: 12px; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; font-size: 1.4rem; line-height: 1; color: var(--coral); }
.faq-list details[open] summary::after { content: "–"; }
.faq-list p { margin: 0 0 16px; color: var(--grey); }

.contact { text-align: center; }
.contact-inner { display: flex; flex-direction: column; align-items: center; }
.contact-inner img { margin-bottom: 18px; }
.contact .lead { margin: 0 auto 1.6em; }
.contact-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }

.site-footer { background: var(--charcoal); color: rgba(255,255,255,.75); font-size: .9rem; }
.footer-inner { display: flex; align-items: center; gap: 14px; padding-top: 22px; padding-bottom: 22px; }
.footer-inner img { border-radius: 8px; }
.footer-inner p { margin: 0; }

@media (max-width: 1040px) {
  .nav a:not(.btn) { display: none; }
  .steps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 880px) {
  .hero-inner, .panel, .payslip-wrap, .check, .faq { grid-template-columns: 1fr; gap: 32px; }
  .hero { padding: 44px 0 56px; }
  .hero-card { max-width: 420px; width: 100%; margin: 0 auto; }
  .section { padding: 62px 0; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .container { padding: 0 16px; }
  .brand img { width: 150px; }
  .benefits, .steps { grid-template-columns: 1fr; }
  .toggle { display: flex; }
  .tog { flex: 1; padding: .65em .8em; font-size: .9rem; }
  .ring-wrap { width: 140px; }
  .payslip { padding: 16px; }
  .line { padding: 10px; gap: 10px; font-size: .94rem; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
  .ring-wrap { animation: none; }
}