/* Guides share the app's look: white paper, Instrument Serif headings, Geist text, one marigold accent. */
:root {
  --bg: #ffffff; --panel: #f5f5f3; --ink: #161616; --muted: #6b6b6b; --line: #e8e8e6; --line-strong: #d4d4d0;
  --accent: #f4a933; --accent-ink: #161616; --accent-soft: #fdf1dc;
  --serif: 'Instrument Serif', 'Times New Roman', serif; --sans: 'Geist', system-ui, -apple-system, sans-serif;
  --gutter: clamp(16px, 4vw, 48px); color-scheme: light;
}
:root[data-theme='dark'] {
  --bg: #161513; --panel: #1e1d1a; --ink: #f2f1ee; --muted: #9c9a94; --line: #2e2d29; --line-strong: #403e39;
  --accent: #f5b544; --accent-ink: #161513; --accent-soft: #3a2f19; color-scheme: dark;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme='light']) {
    --bg: #161513; --panel: #1e1d1a; --ink: #f2f1ee; --muted: #9c9a94; --line: #2e2d29; --line-strong: #403e39;
    --accent: #f5b544; --accent-ink: #161513; --accent-soft: #3a2f19; color-scheme: dark;
  }
}
*, *::before, *::after { box-sizing: border-box; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 400 17px/1.7 var(--sans); -webkit-font-smoothing: antialiased; }
::selection { background: var(--accent); color: var(--accent-ink); }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; border-radius: 4px; }
a { color: inherit; text-decoration-color: var(--accent); text-decoration-thickness: 2px; text-underline-offset: 4px; }

.nav { display: flex; align-items: center; justify-content: space-between; padding: 16px var(--gutter); border-bottom: 1px solid var(--line); }
.wordmark { font: 400 26px/1 var(--serif); text-decoration: none; }
.nav-links { display: flex; gap: 24px; align-items: center; font-size: 14px; }
.nav-links a { color: var(--muted); text-decoration: none; }
.nav-links a:hover { color: var(--ink); }
.theme-toggle { width: 36px; height: 36px; border-radius: 50%; border: 1px solid var(--line-strong); background: none; color: var(--ink); cursor: pointer; display: grid; place-items: center; }

article { max-width: 720px; margin: 0 auto; padding: clamp(40px, 7vw, 88px) var(--gutter) 40px; }
.crumb { font-size: 14px; color: var(--muted); margin: 0 0 18px; }
h1 { font: 400 clamp(42px, 6.5vw, 72px)/1 var(--serif); letter-spacing: -0.03em; margin: 0 0 20px; text-wrap: balance; }
.standfirst { font-size: 20px; line-height: 1.55; color: var(--muted); margin: 0 0 14px; }
.meta { font-size: 14px; color: var(--muted); margin: 0 0 36px; padding-bottom: 28px; border-bottom: 1px solid var(--line); }
h2 { font: 400 clamp(30px, 3.6vw, 40px)/1.15 var(--serif); letter-spacing: -0.02em; margin: 52px 0 14px; }
h3 { font: 500 19px/1.4 var(--sans); margin: 32px 0 8px; }
p, li { margin: 0 0 16px; }
ul, ol { padding-left: 22px; margin: 0 0 20px; }
li { margin-bottom: 8px; }
strong { font-weight: 600; }
code { font: 0.86em ui-monospace, Menlo, monospace; background: var(--panel); padding: 2px 6px; border-radius: 4px; }

.note { background: var(--panel); border-radius: 16px; padding: 18px 22px; margin: 24px 0; font-size: 16px; }
.note p:last-child { margin: 0; }
.note strong:first-child { display: block; margin-bottom: 4px; }

.table-wrap { overflow-x: auto; margin: 20px 0 28px; }
table { width: 100%; border-collapse: collapse; font-size: 15px; min-width: 520px; }
th { text-align: left; font-weight: 400; color: var(--muted); font-size: 14px; padding: 10px 12px; border-bottom: 1px solid var(--ink); }
td { padding: 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
th:first-child, td:first-child { padding-left: 0; }
td.num, th.num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }

.cta { margin: 56px 0 0; padding: 32px; border-radius: 24px; background: var(--ink); color: var(--bg); }
.cta h2 { margin: 0 0 8px; color: var(--bg); }
.cta p { color: color-mix(in srgb, var(--bg) 75%, var(--ink)); margin: 0 0 22px; }
.cta a.btn { display: inline-block; background: var(--accent); color: var(--accent-ink); text-decoration: none; font-weight: 500; font-size: 16px; padding: 14px 24px; border-radius: 999px; }
.cta a.btn:hover { background: var(--bg); color: var(--ink); }

.more { max-width: 720px; margin: 0 auto; padding: 0 var(--gutter) 72px; }
.more h2 { font-size: 28px; margin: 0 0 12px; }
.more ul { list-style: none; padding: 0; border-top: 1px solid var(--line); }
.more li { border-bottom: 1px solid var(--line); margin: 0; }
.more li a { display: block; padding: 16px 0; text-decoration: none; font: 400 22px/1.3 var(--serif); }
.more li a:hover { color: var(--muted); }
footer { border-top: 1px solid var(--line); padding: 28px var(--gutter); color: var(--muted); font-size: 13px; }

.rate-tool { background: var(--panel); border-radius: 20px; padding: 24px; margin: 8px 0 32px; display: grid; gap: 10px; }
.rate-tool label { font-size: 14px; color: var(--muted); }
.rate-tool input { font: 400 17px var(--sans); color: var(--ink); background: var(--bg); border: 1px solid var(--line-strong); border-radius: 12px; padding: 12px 14px; max-width: 240px; }
.rate-out { display: grid; gap: 4px; font-size: 15px; color: var(--muted); }
.rate-out .big { font: 400 64px/1.05 var(--serif); color: var(--ink); letter-spacing: -0.02em; }
.rate-out strong { color: var(--ink); font-weight: 500; }