*{margin:0;padding:0;box-sizing:border-box}
:root{--red:#c00000;--red-dark:#8b0000;--red-br:#e11d2a;--dark:#0f0f0f;--dark-2:#1a1a1a;
--dark-3:#242424;--mid:#2e2e2e;--border:#333;--text:#e8e8e8;--text-dim:#9a9a9a;
--white:#fff;--gold:#c9a227;--green:#1f9d55}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;background:var(--dark);
color:var(--text);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{max-width:1100px;margin:0 auto;padding:0 24px}
.narrow{max-width:880px;margin:0 auto}

/* TOPBAR */
.topbar{background:var(--red);color:#fff;text-align:center;padding:9px 16px;font-size:13.5px;
font-weight:600;letter-spacing:.2px}
.topbar a{text-decoration:underline;font-weight:800}

/* NAV */
nav{background:rgba(15,15,15,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--border);
position:sticky;top:0;z-index:100}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:13px 24px}
.nav-logo svg{height:42px;width:auto;display:block}
.nav-links{display:flex;gap:22px;font-size:14.5px;font-weight:600;flex-wrap:wrap}
.nav-links a{color:#cfcfcf;transition:color .15s}
.nav-links a:hover,.nav-links a.on{color:var(--red-br)}
.nav-cta{background:var(--red);color:#fff;padding:11px 20px;border-radius:6px;font-weight:800;
font-size:13.5px;white-space:nowrap;transition:background .2s}
.nav-cta:hover{background:var(--red-dark)}
@media(max-width:980px){.nav-links{display:none}}

/* BREADCRUMB */
.crumb{background:var(--dark-2);border-bottom:1px solid var(--border);font-size:13px;
color:var(--text-dim);padding:11px 0}
.crumb a{color:#b9b9b9}.crumb a:hover{color:var(--red-br)}

/* HERO */
.phero{background:linear-gradient(160deg,#141414 0%,#0d0d0d 55%,#1a0505 100%);
padding:74px 0 66px;border-bottom:1px solid var(--border);position:relative;overflow:hidden}
.phero:after{content:'';position:absolute;right:-140px;top:-140px;width:460px;height:460px;
border-radius:50%;background:radial-gradient(circle,rgba(192,0,0,.16),transparent 68%)}
.phero .container{position:relative;z-index:2}
.eyebrow{display:inline-block;background:rgba(192,0,0,.14);border:1px solid rgba(225,29,42,.42);
color:#ff6b6b;font-size:11.5px;font-weight:800;letter-spacing:1.9px;text-transform:uppercase;
padding:7px 15px;border-radius:100px;margin-bottom:22px}
.phero h1{font-size:clamp(31px,5.1vw,52px);font-weight:900;line-height:1.1;color:#fff;
letter-spacing:-1.1px;max-width:16ch}
.phero h1 em{font-style:normal;color:var(--red-br)}
.phero .lede{font-size:clamp(16.5px,2vw,20px);color:#c4c4c4;margin-top:22px;max-width:60ch;
line-height:1.62}
.hero-cta{display:flex;gap:13px;flex-wrap:wrap;margin-top:32px}
.btn{display:inline-block;padding:15px 30px;border-radius:6px;font-weight:800;font-size:15px;
cursor:pointer;border:none;transition:all .2s;font-family:inherit}
.btn-red{background:var(--red);color:#fff}
.btn-red:hover{background:var(--red-dark);transform:translateY(-2px);box-shadow:0 8px 22px rgba(192,0,0,.34)}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid #4a4a4a}
.btn-ghost:hover{border-color:var(--red-br);color:var(--red-br)}

/* STAT BAR */
.statbar{background:var(--dark-2);border-bottom:1px solid var(--border);padding:30px 0}
.stat-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:20px}
.stat{text-align:center;padding:12px}
.stat .n{font-size:clamp(27px,4vw,40px);font-weight:900;color:var(--red-br);line-height:1;
letter-spacing:-1px}
.stat .n.gold{color:var(--gold)}
.stat .l{font-size:12.5px;color:var(--text-dim);margin-top:9px;font-weight:600;line-height:1.45}

/* SECTIONS */
section{padding:66px 0}
.alt{background:var(--dark-2)}
.sec-label{font-size:11.5px;font-weight:800;letter-spacing:2.1px;text-transform:uppercase;
color:var(--red-br);margin-bottom:13px}
h2{font-size:clamp(25px,3.6vw,35px);font-weight:900;color:#fff;line-height:1.18;
letter-spacing:-.7px;margin-bottom:16px}
h3{font-size:clamp(19px,2.4vw,23px);font-weight:800;color:#fff;margin:32px 0 12px;line-height:1.28}
h4{font-size:17px;font-weight:800;color:#fff;margin:22px 0 9px}
h3.hx4{font-size:17px;font-weight:800;color:#fff;margin:22px 0 9px;line-height:1.4;letter-spacing:0}
.card h3.hx4{margin-top:0}
p{margin-bottom:16px;color:#c9c9c9}
.sub{font-size:17.5px;color:#b4b4b4;max-width:66ch;margin-bottom:30px}
strong{color:#fff;font-weight:700}

/* BULLETS */
ul.checks{list-style:none;margin:20px 0}
ul.checks li{position:relative;padding-left:31px;margin-bottom:13px;color:#c9c9c9;line-height:1.6}
ul.checks li:before{content:'';position:absolute;left:0;top:8px;width:15px;height:15px;
border-radius:3px;background:var(--red);
-webkit-mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path d='M20 6L9 17l-5-5' stroke='black' stroke-width='3.4' fill='none' stroke-linecap='round' stroke-linejoin='round'/></svg>") center/contain no-repeat;
mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path d='M20 6L9 17l-5-5' stroke='black' stroke-width='3.4' fill='none' stroke-linecap='round' stroke-linejoin='round'/></svg>") center/contain no-repeat}
ul.checks li strong{color:#fff}
ul.xs li:before{background:#6b6b6b;
-webkit-mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path d='M18 6L6 18M6 6l12 12' stroke='black' stroke-width='3.4' stroke-linecap='round'/></svg>") center/contain no-repeat;
mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path d='M18 6L6 18M6 6l12 12' stroke='black' stroke-width='3.4' stroke-linecap='round'/></svg>") center/contain no-repeat}
ol.steps-o{margin:20px 0 20px 20px}
ol.steps-o li{margin-bottom:13px;color:#c9c9c9;padding-left:7px}
ol.steps-o li::marker{color:var(--red-br);font-weight:900}

/* CARDS */
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(268px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(215px,1fr))}
.card{background:var(--dark-3);border:1px solid var(--border);border-radius:11px;padding:27px;
transition:border-color .2s,transform .2s}
.card:hover{border-color:#4a4a4a;transform:translateY(-3px)}
.alt .card{background:#202020}
.card h3,.card h4{margin-top:0}
.card p:last-child{margin-bottom:0}
.card .ico{width:44px;height:44px;border-radius:9px;background:rgba(192,0,0,.13);
border:1px solid rgba(225,29,42,.3);display:flex;align-items:center;justify-content:center;
margin-bottom:15px}
.card .ico svg{width:23px;height:23px;stroke:var(--red-br);fill:none;stroke-width:2;
stroke-linecap:round;stroke-linejoin:round}
.num-badge{width:38px;height:38px;border-radius:50%;background:var(--red);color:#fff;
display:flex;align-items:center;justify-content:center;font-weight:900;font-size:16px;
margin-bottom:14px}

/* CALLOUTS */
.callout{border-left:4px solid var(--red);background:rgba(192,0,0,.07);padding:22px 26px;
border-radius:0 9px 9px 0;margin:28px 0}
.callout.gold{border-left-color:var(--gold);background:rgba(201,162,39,.08)}
.callout.warn{border-left-color:#e0a800;background:rgba(224,168,0,.08)}
.callout p:last-child{margin-bottom:0}
.callout .tag{font-size:11.5px;font-weight:800;letter-spacing:1.7px;text-transform:uppercase;
color:var(--red-br);margin-bottom:8px;display:block}
.callout.gold .tag{color:var(--gold)}
.callout.warn .tag{color:#e0a800}
.quote{border-left:4px solid var(--gold);background:var(--dark-3);padding:26px 30px;
border-radius:0 9px 9px 0;margin:30px 0;font-size:18px;line-height:1.6;color:#e4e4e4;font-style:italic}
.quote .who{display:block;margin-top:14px;font-size:14px;font-style:normal;color:var(--text-dim);
font-weight:700}

/* TABLE */
.tw{overflow-x:auto;margin:26px 0;border:1px solid var(--border);border-radius:10px}
table{width:100%;border-collapse:collapse;font-size:14.5px;min-width:520px}
th{background:var(--dark-3);color:#fff;text-align:left;padding:14px 16px;font-weight:800;
font-size:12.5px;letter-spacing:.9px;text-transform:uppercase;border-bottom:2px solid var(--red)}
td{padding:13px 16px;border-bottom:1px solid #2a2a2a;color:#c4c4c4;vertical-align:top}
tr:last-child td{border-bottom:none}
tbody tr:hover td{background:rgba(255,255,255,.022)}
td strong{color:#fff}

@media(max-width:640px){
.tw{border:none;border-radius:0;overflow:visible}
.tw table{min-width:0;display:block;width:100%}
.tw thead{display:none}
.tw tbody{display:block}
.tw tbody tr{display:block;background:var(--dark-3);border:1px solid var(--border);
border-radius:10px;padding:6px 16px;margin-bottom:14px}
.alt .tw tbody tr{background:#202020}
.tw tbody td{display:block;border-bottom:1px solid #2a2a2a;padding:11px 0;min-width:0}
.tw tbody td:last-child{border-bottom:none}
.tw tbody td:before{content:attr(data-th);display:block;font-size:10.5px;font-weight:800;
letter-spacing:1.6px;text-transform:uppercase;color:var(--red-br);margin-bottom:5px}
.tw tbody td[data-th=""]:before,.tw tbody td:not([data-th]):before{content:none;margin:0}
.tw tbody tr:hover td{background:transparent}
}

/* CHART */
.chart-box{background:var(--dark-3);border:1px solid var(--border);border-radius:11px;
padding:28px;margin:28px 0}
.alt .chart-box{background:#202020}
.chart-box .ct{font-size:16.5px;font-weight:800;color:#fff;margin-bottom:5px}
.chart-box .cs{font-size:13px;color:var(--text-dim);margin-bottom:22px}
.chart-box .src{font-size:11.5px;color:#767676;margin-top:17px;line-height:1.5}
.chart-box .src a{color:#8f8f8f;text-decoration:underline}
.legend{display:flex;flex-wrap:wrap;gap:15px;margin-top:17px;font-size:12.5px;color:#b4b4b4}
.legend span{display:flex;align-items:center;gap:7px}
.legend i{width:12px;height:12px;border-radius:3px;display:block}

/* BAR CHART (CSS) */
.bars{display:flex;flex-direction:column;gap:15px}
.bar-row .bl{display:flex;justify-content:space-between;font-size:13.5px;margin-bottom:6px;
color:#d4d4d4;font-weight:600;gap:12px}
.bar-row .bl b{color:#fff;font-weight:800;white-space:nowrap}
.bar-track{height:26px;background:#161616;border-radius:5px;overflow:hidden}
.bar-fill{height:100%;border-radius:5px;display:block}

/* FAQ */
.faq{border:1px solid var(--border);border-radius:10px;overflow:hidden;margin-top:26px}
.faq details{border-bottom:1px solid var(--border);background:var(--dark-3)}
.alt .faq details{background:#202020}
.faq details:last-child{border-bottom:none}
.faq summary{padding:19px 24px;cursor:pointer;font-weight:700;color:#fff;font-size:16px;
list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;
transition:background .15s}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{background:rgba(255,255,255,.03)}
.faq summary:after{content:'+';font-size:24px;color:var(--red-br);font-weight:400;
line-height:1;flex-shrink:0;transition:transform .2s}
.faq details[open] summary:after{transform:rotate(45deg)}
.faq .fa{padding:0 24px 21px;color:#bdbdbd;font-size:15.3px;line-height:1.68}
.faq .fa p:last-child{margin-bottom:0}

/* CALCULATOR */
.calc{background:linear-gradient(150deg,#1e1e1e,#171717);border:1px solid #3a3a3a;
border-radius:13px;padding:30px;margin:30px 0}
.calc h3{margin-top:0;display:flex;align-items:center;gap:11px}
.calc h3 svg{width:23px;height:23px;stroke:var(--gold);fill:none;stroke-width:2}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(185px,1fr));gap:17px;margin:22px 0}
.fld label{display:block;font-size:12.5px;font-weight:700;color:#b4b4b4;margin-bottom:7px}
.fld input{width:100%;padding:12px 14px;background:#111;border:1px solid #3c3c3c;border-radius:6px;
color:#fff;font-size:15.5px;font-family:inherit;font-weight:600;transition:border-color .15s}
.fld input:focus{outline:none;border-color:var(--red-br)}
.calc-out{background:#111;border:1px solid #3c3c3c;border-radius:9px;padding:23px;margin-top:6px}
.calc-out .row{display:flex;justify-content:space-between;padding:9px 0;border-bottom:1px solid #262626;
font-size:14.5px;gap:14px}
.calc-out .row:last-child{border-bottom:none}
.calc-out .row span{color:#a8a8a8}
.calc-out .row b{color:#fff;font-weight:800;white-space:nowrap}
.calc-out .row.big{padding-top:15px;margin-top:6px;border-top:2px solid var(--red);border-bottom:none}
.calc-out .row.big span{color:#fff;font-weight:800;font-size:16px}
.calc-out .row.big b{color:var(--gold);font-size:23px;font-weight:900}
.calc-note{font-size:12.5px;color:#7d7d7d;margin-top:14px;line-height:1.55}

/* CTA */
.cta{background:linear-gradient(150deg,#2a0505,#150202 62%,#0f0f0f);border-top:1px solid #3a1010;
padding:74px 0;text-align:center}
.cta h2{max-width:19ch;margin:0 auto 17px}
.cta p{font-size:18px;color:#c8c8c8;max-width:56ch;margin:0 auto 30px}
.cta .row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.cta .fine{margin-top:22px;font-size:13.5px;color:#8d8d8d}

/* RELATED */
.rel{display:grid;grid-template-columns:repeat(auto-fit,minmax(252px,1fr));gap:17px;margin-top:26px}
.rel a{background:var(--dark-3);border:1px solid var(--border);border-radius:10px;padding:22px;
display:block;transition:all .2s}
.alt .rel a{background:#202020}
.rel a:hover{border-color:var(--red);transform:translateY(-3px)}
.rel .rt{font-weight:800;color:#fff;font-size:16px;margin-bottom:7px;line-height:1.35}
.rel .rd{font-size:13.5px;color:var(--text-dim);line-height:1.5}
.rel .go{color:var(--red-br);font-size:13px;font-weight:800;margin-top:11px;display:block}

/* AUTHOR */
.author{display:flex;gap:20px;align-items:flex-start;background:var(--dark-3);
border:1px solid var(--border);border-radius:11px;padding:25px;margin:34px 0}
.alt .author{background:#202020}
.author .av.av-img{padding:0;overflow:hidden;background:#242424;border:2px solid #c00000}
.author .av.av-img img{width:100%;height:100%;object-fit:cover;display:block}
.author .av{width:62px;height:62px;border-radius:50%;background:linear-gradient(140deg,var(--red),#5c0000);
display:flex;align-items:center;justify-content:center;font-weight:900;color:#fff;font-size:21px;
flex-shrink:0;letter-spacing:-.5px}
.author .an{font-weight:800;color:#fff;font-size:16.5px}
.author .ar{font-size:13px;color:var(--red-br);font-weight:700;margin:3px 0 9px}
.author p{font-size:14.3px;color:#b4b4b4;margin:0;line-height:1.6}

.photo{border-radius:11px;border:1px solid var(--border);overflow:hidden;margin:26px 0}
.photo img{width:100%;height:auto;display:block}
.photo figcaption{font-size:13px;color:var(--text-dim);padding:12px 16px;background:var(--dark-3);
line-height:1.5}
.alt .photo figcaption{background:#202020}
.photo-side{display:grid;grid-template-columns:minmax(220px,1fr) minmax(260px,1.3fr);gap:24px;
align-items:center;margin:28px 0}
@media(max-width:640px){.photo-side{grid-template-columns:1fr}}

/* TOC */
.toc{background:var(--dark-3);border:1px solid var(--border);border-radius:11px;padding:25px 28px;
margin:0 0 12px}
.toc .tt{font-size:12px;font-weight:800;letter-spacing:1.7px;text-transform:uppercase;
color:var(--red-br);margin-bottom:15px}
.toc ol{margin-left:19px;columns:2;column-gap:34px}
.toc li{margin-bottom:9px;font-size:14.5px;break-inside:avoid}
.toc a{color:#c4c4c4;transition:color .15s}
.toc a:hover{color:var(--red-br);text-decoration:underline}
.toc li::marker{color:#5e5e5e;font-weight:700}
@media(max-width:640px){.toc ol{columns:1}}

/* FOOTER */
footer{background:#0a0a0a;border-top:1px solid var(--border);padding:52px 0 38px;text-align:center}
footer a{color:#b4b4b4;transition:color .15s}
footer a:hover{color:var(--red-br)}
.fnav{margin-top:20px;font-size:14px;line-height:2.1;color:#5e5e5e}
.updated{font-size:12.5px;color:#7a7a7a;margin-top:9px}
@media(max-width:560px){section{padding:50px 0}.phero{padding:52px 0 46px}.card{padding:22px}
.calc{padding:22px}.chart-box{padding:20px}}