:root{--ink:#1b2a4a;--paper:#fbfaf7;--accent:#c96a1e;--muted:#5b6472;--line:#e6e1d4}
*{box-sizing:border-box}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:#232a35;background:var(--paper);margin:0;line-height:1.7;font-size:17px}
.wrap{max-width:780px;margin:0 auto;padding:0 22px}
header.site{border-bottom:1px solid var(--line);padding:12px 0;background:#fff}
.breadcrumb{font-size:.88rem;color:var(--muted);margin:0}
.breadcrumb a{color:var(--ink);text-decoration:none}
.breadcrumb a:hover{text-decoration:underline}
main{padding:10px 0 20px}
h1{color:var(--ink);font-size:2.05rem;line-height:1.25;margin:.9em 0 .5em}
.standfirst{font-size:1.13rem;color:#34405a;border-left:4px solid var(--accent);padding:2px 0 2px 16px;margin:1.2em 0 2em}
h2{color:var(--ink);margin-top:2.1em;font-size:1.38rem;line-height:1.35}
h3{color:var(--ink);font-size:1.06rem;margin:1.4em 0 .4em}
p{margin:.85em 0}
a{color:#0f5cab}
.calc-list{list-style:none;padding:0;margin:1em 0}
.calc-list li{padding:11px 0;border-bottom:1px solid var(--line)}
.calc-list li a{font-weight:600;color:var(--ink);text-decoration:none}
.calc-list li a:hover{color:#0f5cab;text-decoration:underline}
.related-list{list-style:none;padding:0;margin:1em 0;display:flex;flex-wrap:wrap;gap:10px}
.related-list li{margin:0}
.related-list a{display:inline-block;border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 18px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem}
.related-list a:hover{border-color:var(--accent);color:#0f5cab}
.faq-item{margin:0 0 1.2em}
.disclaimer{background:#fff8ec;border:1px solid var(--line);border-radius:8px;padding:18px 20px;margin-top:2.6em}
.disclaimer h2{margin-top:0;font-size:1.15rem}
footer.site{border-top:1px solid var(--line);margin-top:3em;padding:22px 0 46px;font-size:.92rem;color:var(--muted);background:#fff}
footer.site a{color:var(--ink)}

/* Prominent calculator buttons: impossible to miss */
.calc-list{list-style:none;padding:0;margin:1.2rem 0 2.2rem;display:grid;gap:12px}
.calc-list li{background:none;border:none;border-radius:0;padding:0;margin:0}
a.dwd-toolbtn{display:flex;align-items:center;gap:14px;background:#0f1b2d;color:#faf7f2;border-radius:14px;padding:18px 20px;text-decoration:none;border:3px solid #0f1b2d}
a.dwd-toolbtn:hover{background:#1a2a44;box-shadow:0 6px 18px rgba(15,27,45,.28);transform:translateY(-2px)}
a.dwd-toolbtn:focus-visible{outline:3px solid #ff8a00;outline-offset:2px}
.dwd-toolbtn-text{min-width:0}
.dwd-toolbtn-name{display:block;font-weight:700;font-size:1.1rem;color:#faf7f2}
.dwd-toolbtn-desc{display:block;font-size:.9rem;color:#cfc8b8;margin-top:2px}
.dwd-toolbtn-go{margin-left:auto;flex:0 0 auto;background:#ff8a00;color:#0f1b2d;font-weight:800;font-size:.9rem;border-radius:999px;padding:10px 18px;white-space:nowrap}
@media (max-width:560px){a.dwd-toolbtn{flex-wrap:wrap}.dwd-toolbtn-go{margin-left:0}}
@media (prefers-reduced-motion:reduce){a.dwd-toolbtn{transition:none}}