:root{--bg:#F6EFE3;--paper:#FFFDF8;--ink:#2B1B1E;--mute:#6F5E60;--line:#E3D6C3;--wine:#6B1F2E;--wine-d:#4E1521;--rose:#F1E2E3;--gold:#B8862B;--sage:#3F6B5A;--sage-bg:#E5EFE9;--r:14px;--serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.6 var(--sans)}
a{color:var(--wine)}a:hover{color:var(--wine-d)}img,svg{max-width:100%}
.wrap{max-width:1120px;margin:0 auto;padding:0 16px}.sr{position:absolute;left:-9999px}.skip{position:absolute;left:-9999px;top:0;background:#fff;padding:8px}.skip:focus{left:8px;z-index:10}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.12;letter-spacing:-.012em}h1{font-size:clamp(2rem,5vw,3.1rem);margin:.4em 0 .3em}h2{font-size:1.65rem;margin:1.9em 0 .6em}h3{font-size:1.2rem;margin:1.4em 0 .4em}
p{margin:.7em 0}.lead{font-size:1.2rem;color:var(--mute);max-width:44em;font-family:var(--serif)}
/* header */
.hd{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}.hd-in{display:flex;align-items:center;gap:20px;height:62px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--wine-d);font-family:var(--serif);font-size:1.35rem}.logo b{color:var(--ink)}.mark{width:26px;height:26px;border-radius:50%;background:var(--wine);position:relative;display:inline-block}.mark:before{content:"";position:absolute;left:12px;top:6px;width:2.5px;height:8px;background:#F6EFE3;border-radius:2px}.mark:after{content:"";position:absolute;left:12px;top:12px;width:7px;height:2.5px;background:#F6EFE3;border-radius:2px}
.nav{display:flex;gap:2px;margin-left:auto}.nav a{text-decoration:none;color:var(--ink);padding:8px 10px;border-radius:8px;font-size:.95rem}.nav a:hover,.nav a[aria-current]{background:var(--rose)}
.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;width:42px;height:38px;padding:7px 9px;cursor:pointer}.burger span:not(.sr){display:block;height:2px;background:var(--ink);margin:5px 0}
@media(max-width:900px){.burger{display:block}.nav{display:none;position:absolute;left:0;right:0;top:62px;background:var(--paper);flex-direction:column;padding:8px 16px 14px;border-bottom:1px solid var(--line)}.nav.open{display:flex}}
/* hero */
.hero{background:radial-gradient(1200px 400px at 20% 0,#fff 0,var(--bg) 70%);border-bottom:1px solid var(--line)}.hero-in{display:grid;grid-template-columns:1.05fr 1fr;gap:36px;padding:40px 0 44px;align-items:start}.hero h1{margin-top:0}.hero .lead{margin-bottom:1.1em}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chip{display:inline-block;background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:6px 12px;font-size:.9rem;text-decoration:none;color:var(--ink)}.chip:hover{border-color:var(--wine)}
@media(max-width:900px){.hero-in{grid-template-columns:minmax(0,1fr);gap:18px;padding:22px 0 26px}}
/* layout */
.main{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:40px;padding:12px 0 48px}.side{position:sticky;top:78px;align-self:start;font-size:.93rem}.side .box{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;margin-bottom:16px}.side h3{margin:.2em 0 .5em;font-size:1rem}.side a{display:block;padding:5px 0;text-decoration:none;border-bottom:1px solid var(--line)}
@media(max-width:900px){.main{grid-template-columns:minmax(0,1fr);gap:20px}.side{position:static}}
article{max-width:46em}
.korthet{background:var(--paper);border:1px solid var(--line);border-left:5px solid var(--wine);border-radius:var(--r);padding:16px 20px;margin:18px 0}.korthet h2{margin:0 0 .4em;font-size:1.25rem}.korthet .sub{color:var(--mute);font-size:.88rem;margin:0 0 .6em}.korthet ol{margin:0;padding-left:1.2em}.korthet li{margin:.45em 0}
.how{background:#EFE6D6;border-radius:var(--r);padding:14px 18px;margin:22px 0;font-size:.93rem}.how b{font-family:var(--serif)}
.note{background:var(--sage-bg);border-left:4px solid var(--sage);padding:10px 14px;border-radius:0 var(--r) var(--r) 0;margin:16px 0;font-size:.95rem}
/* tables */
.tbl{overflow:auto;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);margin:14px 0}table{border-collapse:collapse;width:100%;font-size:.93rem}th,td{padding:8px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}th{background:var(--rose);font-weight:600;position:sticky;top:0}tr:last-child td{border-bottom:0}.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}.sm{font-size:.85rem;color:var(--mute)}.lo{color:var(--sage);font-weight:600}.hi{color:var(--wine);font-weight:600}
/* calculator */
.calc{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);box-shadow:0 14px 34px -22px rgba(107,31,46,.5);overflow:hidden}.calc .ch{background:var(--wine-d);color:#F6EFE3;padding:12px 18px;font-family:var(--serif);font-size:1.15rem;display:flex;justify-content:space-between;align-items:center}.calc .ch small{font-family:var(--sans);opacity:.8;font-size:.8rem}.calc .cb{padding:16px 18px}
.f{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:10px}.f.one{grid-template-columns:1fr}label{display:block;font-size:.85rem;color:var(--mute);margin-bottom:3px}input,select{width:100%;font:inherit;padding:9px 10px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink)}input:focus,select:focus{outline:2px solid var(--wine);outline-offset:1px}
@media(max-width:520px){.f{grid-template-columns:1fr}}
.paper{background:#F3EBDD;border-radius:10px;padding:12px 14px;margin-top:8px;font-variant-numeric:tabular-nums}.paper .k{font-size:.8rem;color:var(--mute);text-transform:uppercase;letter-spacing:.06em;margin-bottom:6px}.line{display:flex;justify-content:space-between;gap:12px;padding:5px 0;border-bottom:1px dotted #d6c9b3}.line.total{border-bottom:0;border-top:2px solid var(--ink);margin-top:4px;padding-top:8px;font-weight:700;font-size:1.15rem}.line.tax span:last-child{color:var(--wine)}.line.good span:last-child{color:var(--sage)}
.chow{font-size:.85rem;color:var(--mute);margin-top:10px}
/* timeline */
.tl{position:relative;margin:14px 0 6px;padding:26px 0 8px}.tl .axis{height:6px;background:linear-gradient(90deg,var(--rose),var(--wine));border-radius:3px}.tl .pt{position:absolute;top:0;transform:translateX(-50%);text-align:center;font-size:.8rem;width:110px}.tl .pt i{display:block;width:14px;height:14px;border-radius:50%;background:var(--wine);border:3px solid var(--paper);margin:0 auto 4px;box-shadow:0 0 0 1px var(--wine)}.tl .pt.g i{background:var(--gold)}.tl .pt.s i{background:var(--sage)}.tl .pt b{display:block;font-family:var(--serif);font-size:1.05rem}.tl-years{display:flex;justify-content:space-between;font-size:.8rem;color:var(--mute);margin-top:6px}
@media(max-width:520px){.tl .pt{width:70px;font-size:.72rem}}
/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px;margin:16px 0}.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;text-decoration:none;color:var(--ink);display:block}.card:hover{border-color:var(--wine)}.card h3{margin:0 0 .3em;font-size:1.1rem}.card p{margin:0;color:var(--mute);font-size:.9rem}.card .big{font-family:var(--serif);font-size:1.7rem;color:var(--wine);margin:.2em 0}
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:10px 16px;margin:8px 0}.faq summary{cursor:pointer;font-weight:600}.faq details p{margin:.5em 0 .2em}
.crumbs{font-size:.85rem;color:var(--mute);margin:14px 0 0}.crumbs a{text-decoration:none}
.bar{display:flex;height:14px;border-radius:7px;overflow:hidden;margin:10px 0 4px;background:#e6dccb}.bar i{display:block;height:100%}.bar .n{background:var(--sage)}.bar .t{background:var(--wine)}.legend{display:flex;gap:14px;font-size:.82rem;color:var(--mute);flex-wrap:wrap}.legend i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:4px;vertical-align:middle}
.ft{background:var(--wine-d);color:#E9D9D3;margin-top:30px}.ft a{color:#fff;text-decoration:none;display:block;padding:3px 0;font-size:.93rem}.ft a:hover{text-decoration:underline}.ft-in{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:28px;padding:34px 0 20px}.ft h3{color:#fff;margin:0 0 .5em;font-size:1rem}.ft-logo{font-family:var(--serif);font-size:1.3rem;color:#fff}.ft-logo b{color:#E3B8A8}.ft p{font-size:.9rem;margin:.5em 0}.ft-legal{padding:12px 16px 26px;font-size:.82rem;border-top:1px solid rgba(255,255,255,.15)}
@media(max-width:900px){.ft-in{grid-template-columns:1fr 1fr}}@media(max-width:520px){.ft-in{grid-template-columns:1fr}}
.range{display:flex;align-items:center;gap:10px}.range output{min-width:90px;text-align:right;font-weight:600}input[type=range]{padding:0}