:root{--ink:#16231f;--muted:#61706a;--paper:#f5f7f2;--card:#fff;--green:#167a5a;--mint:#dff5e9;--yellow:#f1b73c;--red:#b94035;--line:#dce4df}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.5 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
button{font:inherit;cursor:pointer}
button:focus-visible,a:focus-visible{outline:3px solid #ffbf47;outline-offset:3px}
.skip-link{position:fixed;left:12px;top:-60px;z-index:10;background:#fff;color:var(--ink);padding:10px;border-radius:8px}.skip-link:focus{top:12px}
.shell{max-width:1120px;margin:auto;padding-left:24px;padding-right:24px}
.notice{background:#201e1a;color:#fff6d6;padding:10px 16px;text-align:center;font-size:13px;letter-spacing:.04em}
.site-header{display:flex;align-items:center;justify-content:space-between;padding-top:18px;padding-bottom:18px}
.brand{display:flex;align-items:center;gap:12px;font-weight:850;font-size:22px}.logo{display:grid;place-items:center;width:42px;height:42px;border-radius:14px;background:var(--green);color:#fff}
.lang{border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 14px;color:var(--ink)}
main{padding-bottom:24px}.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;align-items:stretch}.panel{background:var(--card);border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:0 12px 30px rgba(22,35,31,.05)}
.hero-copy{display:flex;flex-direction:column;justify-content:center}.kicker{color:var(--green);font-weight:800;text-transform:uppercase;font-size:12px;letter-spacing:.12em}
h1{font-size:clamp(34px,5vw,64px);line-height:.98;letter-spacing:-.055em;margin:14px 0 18px;max-width:750px}h2{margin:0 0 6px;font-size:24px;letter-spacing:-.03em}
.lede{font-size:18px;color:var(--muted);max-width:640px}.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}
.primary,.secondary{border:0;border-radius:13px;padding:13px 17px;font-weight:800}.primary{background:var(--green);color:#fff}.secondary{background:#edf1ee;color:var(--ink)}
.boundary{margin:18px 0 0;padding:13px;background:#fff6df;border-left:4px solid var(--yellow);border-radius:8px;font-size:14px}.message{min-height:24px;margin-top:12px;color:var(--green);font-weight:700}.message.error{color:var(--red)}
.score-card{display:grid;place-items:center;text-align:center;min-height:420px}.gauge{--score:72;width:240px;height:240px;border-radius:50%;display:grid;place-items:center;background:conic-gradient(var(--green) calc(var(--score)*1%),#e9eeeb 0);position:relative}.gauge:before{content:"";position:absolute;inset:20px;background:#fff;border-radius:50%}.score{position:relative;font-size:64px;font-weight:900;letter-spacing:-.06em}.score small{display:block;font-size:13px;color:var(--muted);letter-spacing:.04em}.band{margin:10px 0 0;background:var(--mint);color:var(--green);padding:6px 12px;border-radius:999px;font-weight:800}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:18px}.wide{grid-column:span 2}.mini{font-size:13px;color:var(--muted)}
.provider{width:100%;display:flex;justify-content:space-between;align-items:center;border:1px solid var(--line);background:#fff;border-radius:15px;padding:13px;margin-top:10px;text-align:left;color:var(--ink)}.provider>span:first-child{display:flex;gap:10px;align-items:center}.badge{width:34px;height:34px;display:grid;place-items:center;border-radius:10px;background:#eef2ef}
.switch{width:48px;height:28px;border-radius:999px;background:#cbd5cf;position:relative}.switch:after{content:"";position:absolute;width:22px;height:22px;top:3px;left:3px;border-radius:50%;background:#fff;transition:.2s}.switch.on{background:var(--green)}.switch.on:after{left:23px}
.metric{display:flex;justify-content:space-between;align-items:center;gap:18px;padding:14px 0;border-bottom:1px solid var(--line)}.metric:last-child{border:0}.metric>div{flex:1}.metric strong{font-size:18px}.positive{color:var(--green)}.caution{color:var(--red)}
.bar{height:9px;background:#e9eeeb;border-radius:99px;overflow:hidden;margin:7px 0 4px}.fill{display:block;height:100%;background:var(--green);border-radius:99px}.fill.warning{background:var(--yellow)}
.loan{border:1px solid var(--line);border-radius:15px;padding:14px;margin-top:10px;display:flex;justify-content:space-between;gap:12px;align-items:center}.tag{background:#edf1ee;color:var(--muted);border-radius:999px;padding:7px 10px;font-size:12px;font-weight:800}.tip{background:#f7f3df;border-radius:16px;padding:16px;margin-top:10px}.safeguards{margin-top:18px}.safeguards li{margin:6px 0}
footer{text-align:center;color:var(--muted);font-size:13px;padding:26px}
@media(max-width:840px){.hero,.grid{grid-template-columns:1fr}.wide{grid-column:auto}.shell{padding-left:14px;padding-right:14px}.panel{padding:20px}.gauge{width:210px;height:210px}.score-card{min-height:330px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}