/* Phase 1 shared chrome. Keep calculator styles and formulas independent. */
.site-header{display:block;position:relative;z-index:30;width:100%;max-width:none;margin:0;padding:0;background:#080e14;border:0;border-bottom:1px solid #293541;color:#f0f3f5;box-sizing:border-box}
.site-header__inner{max-width:1198px;margin:0 auto;padding:0 24px}
.site-header__row{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:20px 0 12px;min-width:0}
.site-header .site-logo{display:block;flex:0 1 365px;min-width:0;width:365px;max-width:65%;margin:0;padding:0;background:transparent;border:0;border-radius:0;line-height:0;text-decoration:none;box-shadow:none}
.site-header .site-logo img{display:block;width:100%;height:auto;max-height:55px;object-fit:contain;object-position:left center;mix-blend-mode:lighten}
.site-header .site-header__cta{display:inline-flex;align-items:center;justify-content:center;gap:6px;flex:0 0 auto;min-height:44px;padding:10px 17px;border:1px solid #e0b65f;border-radius:9px;background:#e0b65f;color:#080e14;font:700 14px/1.4 -apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;text-decoration:none;letter-spacing:normal;white-space:nowrap}
.site-header .site-header__cta:hover{background:#edc87b}
.site-header .site-nav{display:flex;gap:4px;flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none;margin:0;padding:8px 0 12px;max-width:100%;min-width:0;font:14px/1.4 -apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif}
.site-header .site-nav::-webkit-scrollbar{display:none}
.site-header .site-nav a{display:inline-flex;align-items:center;flex:0 0 auto;min-height:44px;padding:10px 13px;border-radius:999px;color:#a7b3bd;text-decoration:none;white-space:nowrap;font-weight:500}
.site-header .site-nav a:hover{background:#16232e;color:#f0f3f5}
.site-header .site-nav a[aria-current=page]{background:#e0b65f;color:#080e14;font-weight:700}
.site-header a:focus-visible,.site-footer a:focus-visible,.site-footer summary:focus-visible{outline:3px solid #e0b65f;outline-offset:3px}
.site-footer{display:block!important;box-sizing:border-box;width:100%;max-width:1100px!important;margin:46px auto 0!important;padding:30px 24px!important;border:0;border-top:1px solid #293541;background:transparent;color:var(--mut,#a7b3bd);font:13px/1.7 -apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;text-align:left}
.site-footer .ae-footer{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:28px;max-width:none;padding:0;margin:0 0 20px;border:0;background:none;color:inherit;text-align:left}
.site-footer .hbc-footer-name{display:flex;align-items:baseline;flex-wrap:wrap;gap:0;margin:0 0 10px;font-size:23px;font-weight:800;letter-spacing:-.04em;line-height:1.25;color:var(--ink,#f0f3f5)}
.site-footer .hbc-footer-name b{color:var(--gold,#e0b65f)}.site-footer .hbc-footer-name small{font-size:14px;color:var(--mut,#a7b3bd)}
.site-footer p{max-width:none;margin:0 0 14px;color:inherit;font-size:13px;line-height:1.7}.site-footer strong{color:var(--ink,#f0f3f5)}
.site-footer a{color:var(--gold,#e0b65f);text-underline-offset:4px;overflow-wrap:anywhere}.site-footer .byline{margin:8px 0 20px}
.site-footer .hbc-disclosures{max-width:none;margin:20px 0 0;padding:20px 0 0;border-top:1px solid #293541;color:inherit;font:inherit}
.site-footer .hbc-disclosure-toggle{margin:12px 0 18px;padding:0;border:0;background:none}.site-footer .hbc-disclosure-toggle summary{display:block;cursor:pointer;min-height:44px;padding:11px 0;color:var(--gold,#e0b65f);border:0;line-height:1.5;font-size:14px;font-weight:600;list-style:disclosure-closed}.site-footer .hbc-disclosure-toggle[open] summary{list-style:disclosure-open}.site-footer .hbc-disclosure-content{padding:8px 0 0;color:inherit}
.site-footer .site-footer__links{display:flex;flex-wrap:wrap;gap:8px 20px;padding:22px 0 0;margin:22px 0 0;border-top:1px solid #293541;font-size:13px}.site-footer__links a{display:inline-flex;align-items:center;min-height:44px}
.site-page-notice{max-width:1060px;margin:30px auto 0;padding:0 24px;font-size:12px!important;line-height:1.7!important;color:var(--mut,#a7b3bd)}
.info .dot{position:relative;cursor:pointer}.info .dot::after{content:'';position:absolute;inset:-14px}.info .dot:focus-visible{outline:3px solid var(--gold,#e0b65f);outline-offset:5px}
.info .tip .hbc-tip-close{display:none}
@media(hover:none){.info:hover .tip{opacity:0!important;visibility:hidden!important;pointer-events:none!important}.info.open .tip{opacity:1!important;visibility:visible!important;transform:none!important;pointer-events:auto!important}}
@media(max-width:860px){input,select,textarea,.inp{font-size:16px!important}.site-header__inner{padding:0 18px}.site-header__row{gap:14px;padding:16px 0 6px}.site-header .site-logo{max-width:62%;flex-basis:300px}.site-header .site-header__cta{font-size:12px;padding:9px 12px;min-height:44px}.site-header .site-nav{margin:0 -2px;padding:8px 2px 10px}.site-header .site-nav a{font-size:13px;padding:10px 12px}.site-footer{padding:25px 18px!important}.site-footer .ae-footer{grid-template-columns:1fr;gap:16px}.info .tip{padding-right:48px!important;max-height:65dvh;overflow:auto;overscroll-behavior:contain}.info .tip .hbc-tip-close{display:flex;align-items:center;justify-content:center;position:absolute;right:5px;top:5px;min-width:44px;min-height:44px;width:44px;height:44px;padding:0;margin:0;border:0;border-radius:8px;background:transparent;color:inherit;font-size:25px;line-height:1;cursor:pointer}.info .tip .hbc-tip-close:focus-visible{outline:3px solid var(--gold,#e0b65f)}}
@media print{.site-header,.site-footer,.site-page-notice{display:none!important}}
.site-header .site-header__row.ae-header{max-width:none;width:auto;box-sizing:border-box;margin:0;border:0;border-radius:0;background:transparent;box-shadow:none;flex-wrap:nowrap}

/* Open state is controlled by click / keyboard, so Escape and outside-click
   really dismiss a tip even while a desktop pointer still hovers over it. */
.info .tip{display:none!important}
.info.open .tip{display:block!important;opacity:1!important;visibility:visible!important;transform:none!important;pointer-events:auto!important}

/* Mobile menu only; desktop link layout is unchanged. */
.site-header .site-nav-toggle{display:none}
@media(max-width:860px){
 .site-header .site-nav-toggle{display:flex;align-items:center;justify-content:space-between;width:100%;min-height:44px;margin:4px 0 10px;padding:10px 14px;border:1px solid #40505f;border-radius:9px;background:#14212c;color:#f0f3f5;font:600 14px/1.4 -apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif}
 .site-header .site-nav{display:none;margin:0;padding:0 0 12px;overflow:visible;white-space:normal}
 .site-header .site-nav.is-open{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:6px}
 .site-header .site-nav a{min-width:0;min-height:44px;border-radius:8px;background:#14212c;white-space:normal;justify-content:flex-start;padding:10px 12px;font-size:13px}
 .site-header .site-nav a[aria-current=page]{background:#e0b65f;color:#080e14}
 .site-header button:focus-visible{outline:3px solid #e0b65f;outline-offset:2px}
}