/* CEB Bill Check — mobile-first portfolio calculator style. No external fonts/frameworks. */
:root{
  --navy:#0a3556; --navy2:#0e4a77; --amber:#f5a800; --amber-d:#c78500;
  --ink:#17242e; --muted:#5a6b76; --line:#dbe4ea; --bg:#f6f9fb; --card:#ffffff;
  --ok:#0d6e4f; --radius:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--navy2);text-decoration:underline;text-underline-offset:2px}
a:hover{color:var(--amber-d)}
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;box-shadow:0 2px 10px rgba(10,53,86,.25)}
.hwrap{max-width:960px;margin:0 auto;padding:10px 16px;display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.brand{font-weight:800;font-size:1.25rem;color:#fff;text-decoration:none;letter-spacing:.2px}
.brand span{color:var(--amber)}
nav.main{display:flex;gap:4px;flex-wrap:wrap;margin-left:auto}
nav.main a{color:#dcebf5;text-decoration:none;font-size:.92rem;padding:6px 10px;border-radius:8px}
nav.main a:hover{background:var(--navy2);color:#fff}
.wrap{max-width:960px;margin:0 auto;padding:20px 16px 48px}
h1{font-size:1.9rem;line-height:1.2;margin:.2em 0 .4em;color:var(--navy)}
h2{font-size:1.35rem;color:var(--navy);margin:1.4em 0 .5em;border-bottom:3px solid var(--amber);padding-bottom:4px;display:inline-block}
h3{font-size:1.08rem;color:var(--navy);margin:1.1em 0 .35em}
p{margin:.55em 0}
.lede{font-size:1.08rem;background:#fff;border-left:5px solid var(--amber);padding:14px 16px;border-radius:0 var(--radius) var(--radius) 0;box-shadow:0 1px 4px rgba(10,53,86,.08)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px;margin:18px 0;box-shadow:0 1px 4px rgba(10,53,86,.06)}
.tool{background:linear-gradient(180deg,#fff, #fdf6e3);border:2px solid var(--amber)}
.tool label{font-weight:700;display:block;margin-bottom:6px}
.toolrow{display:flex;gap:10px;flex-wrap:wrap}
.tool input[type=number]{flex:1;min-width:150px;font-size:1.2rem;padding:12px;border:2px solid var(--navy);border-radius:10px}
.btn{display:inline-block;background:var(--amber);color:#231a00;font-weight:800;border:none;border-radius:10px;
  padding:13px 22px;font-size:1.05rem;cursor:pointer;text-decoration:none;box-shadow:0 2px 0 var(--amber-d)}
.btn:hover{background:#ffb81f;color:#231a00}
.btn.primary{background:var(--navy);color:#fff;box-shadow:0 2px 0 #062a45}
.btn.primary:hover{background:var(--navy2)}
.btnrow{display:flex;gap:10px;flex-wrap:wrap;margin:14px 0}
table{width:100%;border-collapse:collapse;margin:12px 0;font-size:.96rem;background:#fff}
th,td{border:1px solid var(--line);padding:8px 10px;text-align:left}
th{background:var(--navy);color:#fff}
td:last-child,th:last-child{text-align:right}
table.breakdown tr.total td{font-weight:800;background:#fdf6e3;font-size:1.05rem}
.err{color:#a11;font-weight:600}
.steps{counter-reset:step;padding-left:0;list-style:none}
.steps li{counter-increment:step;position:relative;padding:8px 0 8px 46px}
.steps li::before{content:counter(step);position:absolute;left:0;top:6px;width:32px;height:32px;border-radius:50%;
  background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin:8px 0;padding:10px 14px}
.faq summary{font-weight:700;cursor:pointer;color:var(--navy)}
.faq details p{margin:.5em 0 .2em}
.src{font-size:.88rem;color:var(--muted);border-top:1px dashed var(--line);margin-top:22px;padding-top:10px}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:12px;margin:14px 0}
.grid a{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:14px;text-decoration:none;color:var(--ink)}
.grid a:hover{border-color:var(--amber)}
.grid a b{color:var(--navy);display:block;margin-bottom:2px}
.grid a small{color:var(--muted)}
.modebar{display:flex;gap:8px;margin-bottom:12px}
.modebar button{flex:1;padding:10px;border-radius:10px;border:2px solid var(--navy);background:#fff;font-weight:700;cursor:pointer}
.modebar button.active{background:var(--navy);color:#fff}
.stickybar{position:sticky;bottom:0;background:rgba(255,255,255,.96);border-top:1px solid var(--line);
  padding:10px 0;display:flex;gap:10px;z-index:15}
.stickybar a{flex:1;text-align:center}
figure.diagram{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:14px;margin:16px 0;overflow-x:auto}
figure.diagram figcaption{font-size:.9rem;color:var(--muted);margin-top:8px}
footer.site{background:var(--navy);color:#cfe2ef;margin-top:10px}
.fwrap{max-width:960px;margin:0 auto;padding:26px 16px 34px}
footer.site a{color:#fff}
.fnav{display:flex;flex-wrap:wrap;gap:6px 16px;margin-bottom:14px}
.fnav a{text-decoration:none;font-size:.95rem}
.fnav a:hover{text-decoration:underline}
.disc{font-size:.88rem;color:#9fbccf}
.tag{display:inline-block;background:#e8f2f9;color:var(--navy);border-radius:20px;padding:2px 12px;font-size:.82rem;font-weight:700;margin-bottom:8px}
@media (max-width:560px){h1{font-size:1.55rem}.hwrap{padding:8px 12px}nav.main{margin-left:0}}