*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:#3E4A4F;line-height:1.6;background:#FAF7F2}
a{color:#3F675B}h1,h2,h3{color:#2F3B40}.hero h1{color:#fff}header{background:#fff;border-bottom:1px solid #DDD5C9;position:sticky;top:0;z-index:9}
.nav{max-width:1100px;margin:auto;display:flex;flex-wrap:wrap;gap:14px;align-items:center;padding:12px 20px}.nav .logo{font-weight:800;font-size:1.25rem;color:#3F675B;text-decoration:none;margin-right:auto}
.nav a{text-decoration:none;font-size:.95rem}.wrap{max-width:1100px;margin:auto;padding:24px 20px}
.hero{background:#4A7568;color:#fff;padding:56px 20px}.hero h1{font-size:clamp(1.8rem,5vw,3rem);margin:0 0 10px}
.search{background:#fff;color:#3E4A4F;border-radius:14px;padding:18px;display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));margin-top:24px;box-shadow:0 8px 24px rgba(62,74,79,.18)}
label{font-size:.85rem;font-weight:600;display:block}input,select,textarea{width:100%;padding:10px;border:1px solid #DDD5C9;border-radius:8px;font:inherit}
.btn{background:#B4553C;color:#fff;border:0;border-radius:8px;padding:12px 18px;font-weight:700;cursor:pointer;text-decoration:none;display:inline-block}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}.card{background:#fff;border:1px solid #DDD5C9;border-radius:12px;padding:20px;box-shadow:0 4px 14px rgba(62,74,79,.12)}.band{padding:8px 0 24px}.band.alt{background:#E6EFEA;border-top:1px solid #D3E0D9;border-bottom:1px solid #D3E0D9}
.example{border:2px dashed #E8B48A;position:relative}.tag{background:#FBEADB;color:#8A5A36;font-size:.75rem;font-weight:700;padding:2px 8px;border-radius:99px}
.note{background:#EEF4F1;border-left:4px solid #7FA99B;padding:12px 16px;border-radius:6px}footer{background:#2F3B40;color:#EDE6DC;padding:28px 20px;margin-top:0;font-size:.9rem}footer a{color:#CFE3DB}
.photo{margin:24px 0;max-width:560px}.photo img{width:100%;height:auto;display:block;border-radius:16px;box-shadow:0 8px 24px rgba(62,74,79,.18)}.photo figcaption{margin-top:10px;font-size:.9rem;color:#5A666B;font-style:italic}table{border-collapse:collapse;width:100%}td{padding:6px;border-bottom:1px solid #EFE9E0}
.score{display:inline-flex;align-items:center;gap:10px;text-decoration:none;background:#fff;border:2px solid #4A7568;border-radius:99px;padding:4px 14px 4px 4px;margin:6px 0 10px;color:#2F3B40}.score .num{background:#4A7568;color:#fff;font-weight:800;border-radius:99px;min-width:44px;height:44px;display:inline-flex;align-items:center;justify-content:center;font-size:1.15rem}.score .lbl{font-size:.82rem;line-height:1.2;font-weight:600}.score.soon{border-style:dashed;border-color:#7FA99B;padding:8px 14px;color:#5A666B}
.dl{display:flex;flex-wrap:wrap;gap:10px;margin:12px 0}.btn.alt{background:#4A7568}.muted{color:#5A666B;font-size:.9rem}
.rub td:last-child,.rub th:last-child{text-align:right;white-space:nowrap}.rub th{text-align:left;padding:6px;border-bottom:2px solid #DDD5C9}
.formgrid{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}.formgrid .full{grid-column:1/-1}
#resume{background:#fff;border:1px solid #DDD5C9;border-radius:12px;padding:28px;max-width:8in;margin:auto;color:#2F3B40}#resume .rhead{display:flex;gap:20px;align-items:center;border-bottom:4px solid #4A7568;padding-bottom:14px;margin-bottom:14px}#resume img{width:130px;height:130px;object-fit:cover;border-radius:12px;display:none}#resume h2{margin:0;font-size:2rem}#resume h3{color:#4A7568;font-size:1rem;text-transform:uppercase;letter-spacing:.05em;margin:14px 0 4px}#resume .rgrid{display:grid;grid-template-columns:1fr 1fr;gap:4px 24px}#resume p{margin:2px 0;white-space:pre-line}#resume .rfoot{margin-top:18px;font-size:.75rem;color:#5A666B;border-top:1px solid #EFE9E0;padding-top:8px}
.guide td:first-child{width:140px;color:#3F675B}.guide .disc{background:#FBEADB;border-left:4px solid #B4553C;padding:10px 14px;border-radius:6px}
.ffl{display:inline-flex;align-items:center;gap:6px;background:#FBEADB;color:#8A3F2B;border:1px solid #E8B48A;border-radius:99px;padding:4px 12px;font-size:.82rem;font-weight:700;text-decoration:none;margin:0 6px 8px 0}.lowfee{display:inline-block;background:#E6EFEA;color:#2F5D50;border-radius:99px;padding:3px 10px;font-size:.8rem;font-weight:700;margin:0 6px 8px 0}
.toggle{display:flex;align-items:center;gap:8px;font-weight:600;font-size:.95rem}.toggle input{width:auto;transform:scale(1.2)}.res h3{margin:18px 0 4px}.res ul{margin:4px 0 10px;padding-left:20px}.res li{margin:6px 0}.res .cn{font-weight:700}
.ins{font-size:.85rem;min-width:1100px}.ins td,.ins th{vertical-align:top;padding:8px;border-bottom:1px solid #EFE9E0}.ins th{text-align:left;background:#E6EFEA}.qbtn{padding:6px 10px;font-size:.8rem;margin-top:6px}
@media print{body{background:#fff}header,footer,.noprint{display:none!important}.wrap{padding:0}#resume{border:0;padding:0;max-width:none;-webkit-print-color-adjust:exact;print-color-adjust:exact}@page{size:letter;margin:.5in}}/* v11: nav, menu, chips, tap targets */
.menu{display:flex;flex-wrap:wrap;gap:6px 8px;align-items:center}.menu>a,.dd>summary{padding:10px 10px;border-radius:8px;display:inline-block;font-size:.98rem;color:#3F675B;cursor:pointer;text-decoration:none}.menu>a:hover,.dd>summary:hover{background:#EEF4F1}
.menu .navcta{background:#B4553C;color:#fff;font-weight:700}.menu .navcta:hover{background:#9E4832}
.dd{position:relative}.dd>summary{list-style:none}.dd>summary::-webkit-details-marker{display:none}.dd>summary::after{content:" ▾"}
.ddm{position:absolute;right:0;top:100%;background:#fff;border:1px solid #DDD5C9;border-radius:10px;box-shadow:0 8px 24px rgba(62,74,79,.18);padding:6px;min-width:280px;z-index:20}.ddm a{display:block;padding:10px 12px;border-radius:6px;text-decoration:none}.ddm a:hover{background:#EEF4F1}
.menu-btn{display:none;background:#fff;border:1px solid #DDD5C9;border-radius:8px;padding:10px 14px;font:inherit;font-weight:700;color:#3F675B;cursor:pointer;min-height:44px}
@media (max-width:820px){.js .menu-btn{display:inline-block}.js .menu{display:none;width:100%;flex-direction:column;align-items:stretch;padding:4px 0 8px}.js .menu.open{display:flex}.menu>a,.dd>summary{padding:12px;font-size:1.05rem;display:block}.ddm{position:static;box-shadow:none;border:0;padding:0 0 0 12px;min-width:0}.nav{gap:8px}}
footer a{display:inline-block;padding:6px 2px}footer p{line-height:2}
.chips{display:flex;flex-wrap:wrap;gap:10px}.chip{background:#fff;border:1px solid #C9D9D1;border-radius:99px;padding:10px 16px;text-decoration:none;font-weight:600;min-height:44px;display:inline-flex;align-items:center}.chip:hover{border-color:#4A7568;background:#EEF4F1}
.toggle input[type=checkbox],label input[type=checkbox]{width:24px;height:24px;min-width:24px;transform:none;accent-color:#4A7568}
.btn{min-height:44px;font-size:1rem}.search.picker{grid-template-columns:2fr 1fr}@media (max-width:600px){.search.picker{grid-template-columns:1fr}}
details>summary{cursor:pointer;padding:10px 0}.step2{border:1px dashed #C9D9D1;border-radius:10px;padding:6px 14px}
.formgrid{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.res li a,.wrap p a,.note a{padding:3px 0;display:inline-block}
/* v12: logo */
.nav .logo{display:inline-flex;align-items:center;padding:4px 0}.nav .logo img{height:40px;width:auto;display:block}@media (max-width:820px){.nav .logo img{height:34px}}