:root{--navy:#081426;--navy-2:#102341;--navy-3:#040b18;--gold:#cba135;--gold-dk:#6e500a;--gold-soft:#faf3df;--green:#0f5132;--green-2:#0a3a24;--paper:#fbfaf6;--card:#fff;--line:#e7e1d3;--line-2:#f0ece0;--ink:#172231;--txt:#424852;--muted:#8a8a84;--link:#1d5fa5;--serif:Georgia,'Times New Roman',serif;--sans:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;--wrap:1160px}
*{box-sizing:border-box}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);line-height:1.68;font-size:16px;-webkit-font-smoothing:antialiased}
a{color:var(--link);text-decoration:none}img{max-width:100%}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 18px}
h1,h2,h3,h4{font-family:var(--serif);font-style:italic;font-weight:600;color:var(--navy);margin:0;line-height:1.2}
h1{font-size:30px}h2{font-size:25px}h3{font-size:19px}p{margin:0 0 14px}
.eyebrow{font-family:var(--sans);font-style:normal;font-size:10.5px;letter-spacing:2.5px;text-transform:uppercase;font-weight:700;color:var(--gold-dk);margin:0 0 7px}.eyebrow .s{color:var(--gold)}
.lede{font-size:14.5px;color:var(--txt);line-height:1.72}.muted{color:var(--muted)}
hr.rule{border:0;border-top:1px solid var(--line);margin:28px 0}
.logo{display:inline-flex;align-items:center}.logo-img{height:30px;width:auto;display:block}.ft .logo-img,.dr-top .logo-img{height:26px}
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:60}
.utility{display:none}
@media(min-width:960px){.utility{display:block;background:var(--navy-3);border-bottom:1px solid rgba(255,255,255,.05)}.utility-in{display:flex;align-items:center;gap:18px;height:34px;font-size:12px;color:#9fb0c7}.utility a{color:#9fb0c7}.utility a:hover{color:var(--gold)}.utility .sp{flex:1}.utility .live{color:var(--gold);font-weight:600}.utility .live i{display:inline-block;width:7px;height:7px;border-radius:50%;background:#3fbf6b;margin-right:6px;vertical-align:middle}}
.bar{display:flex;align-items:center;gap:14px;height:60px;border-bottom:1px solid rgba(203,161,53,.18)}.bar .sp{flex:1}
nav.main{display:none}
.tool-btn{width:38px;height:38px;border:1px solid rgba(255,255,255,.18);border-radius:9px;background:transparent;color:#dfe6f0;display:grid;place-items:center;cursor:pointer}.tool-btn svg{width:17px;height:17px;stroke:currentColor;fill:none;stroke-width:2}
.state-btn{display:none}
.cta{background:var(--gold);color:var(--navy);font-size:12.5px;font-weight:700;padding:9px 15px;border-radius:9px;white-space:nowrap}.cta small{display:block;font-weight:500;font-size:9.5px;opacity:.75;margin-top:1px}
.burger{width:40px;height:40px;border:1px solid rgba(255,255,255,.18);border-radius:9px;background:transparent;color:#fff;font-size:18px;cursor:pointer}
@media(min-width:960px){.bar{height:66px}nav.main{display:flex;gap:4px;margin-left:6px}nav.main>div>a,nav.main>div>button{display:inline-flex;align-items:center;gap:5px;color:#e7ecf4;font-size:14px;font-weight:500;padding:10px 12px;border-radius:8px;background:transparent;border:0;cursor:pointer;font-family:var(--sans)}nav.main>div>a:hover,nav.main>div>button:hover,nav.main>div.open>button{color:var(--gold);background:rgba(255,255,255,.04)}nav.main .caret{width:9px;height:9px;stroke:currentColor;fill:none;stroke-width:2;transition:transform .2s}nav.main>div.open .caret{transform:rotate(180deg)}.state-btn{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.06);border:1px solid rgba(203,161,53,.35);color:#fff;font-size:13px;font-weight:600;padding:8px 13px;border-radius:9px;cursor:pointer}.state-btn .flag{width:18px;height:12px;border-radius:2px;background:linear-gradient(#b22234 0 34%,#fff 0 67%,#3c3b6e 0);display:inline-block}.burger{display:none}}
.mega{display:none;position:absolute;left:0;right:0;top:100%;background:var(--card);color:var(--ink);border-top:3px solid var(--gold);box-shadow:0 24px 50px rgba(8,18,40,.22);z-index:70}.mega.open{display:block}
.mega-in{display:grid;grid-template-columns:repeat(3,1fr) 1.1fr;gap:28px;padding:26px 0 30px}
.mcol h4{font-size:10.5px;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold-dk);font-weight:700;margin:0 0 11px;padding-bottom:8px;border-bottom:1px solid var(--line)}.mcol a{display:block;padding:6px 0;color:var(--navy);font-weight:600;font-size:14px}.mcol a span{display:block;font-weight:400;font-size:11.5px;color:var(--muted)}.mcol a:hover{color:var(--gold-dk)}
.mfeat{background:linear-gradient(135deg,var(--navy),var(--navy-2));border-radius:12px;padding:20px;color:#fff}.mfeat .k{font-size:10px;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold);font-weight:700}.mfeat h3{color:#fff;font-size:22px;margin:8px 0 4px}.mfeat p{font-size:12.5px;color:#c7d0df;margin:0 0 14px}.mfeat .go{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;font-size:12.5px;padding:9px 16px;border-radius:7px}
.ovl{display:none;position:fixed;inset:0;background:rgba(8,16,33,.4);z-index:55}.ovl.open{display:block}
.drawer{position:fixed;inset:0 0 0 auto;width:min(92vw,380px);background:var(--paper);z-index:80;transform:translateX(100%);transition:transform .25s ease;display:flex;flex-direction:column;box-shadow:-20px 0 50px rgba(8,16,33,.3)}.drawer.open{transform:translateX(0)}
.dr-top{background:var(--navy);color:#fff;display:flex;align-items:center;gap:12px;padding:13px 16px}.dr-top .x{margin-left:auto;width:36px;height:36px;border:1px solid rgba(255,255,255,.2);border-radius:8px;background:transparent;color:#fff;font-size:18px;cursor:pointer}
.dr-scroll{overflow-y:auto;flex:1}
.acc{border-top:1px solid var(--line)}.acc>button{width:100%;display:flex;align-items:center;justify-content:space-between;background:transparent;border:0;padding:15px 16px;font-size:16px;font-family:var(--serif);font-style:italic;font-weight:600;color:var(--navy);cursor:pointer}.acc>button .pm{color:var(--gold);font-style:normal;font-family:var(--sans);font-size:20px}.acc .panel{display:none;padding:0 16px 12px}.acc.open .panel{display:block}.acc .panel a{display:block;padding:9px 0;font-size:14px;color:var(--navy);font-weight:600;border-top:1px solid var(--line-2)}
.dr-reg{display:flex;gap:8px;margin:14px 16px}.dr-reg a{flex:1;text-align:center;border:1px solid var(--line);border-radius:9px;padding:10px;font-size:13px;font-weight:600;color:var(--navy)}.dr-reg a.on{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.pagehead{padding:22px 0 2px}.pagehead .crumb{font-size:12px;color:var(--muted);margin-bottom:10px}.pagehead .crumb a{color:var(--muted)}.pagehead h1{font-size:30px}@media(min-width:900px){.pagehead h1{font-size:37px}}.pagehead .sub{font-size:15px;color:var(--txt);margin:9px 0 0;max-width:700px}
.byline{display:flex;align-items:center;gap:10px;margin:14px 0 6px}.byline .m{font-size:13px;color:var(--txt)}.byline a{color:var(--navy);font-weight:600}.byline .dt{display:block;font-size:11.5px;color:var(--muted)}
.issue{border-top:2px solid var(--gold);border-bottom:1px solid var(--line);padding:9px 0;margin:10px 0 0;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}.issue .l{font-size:10.5px;letter-spacing:2.5px;color:var(--gold-dk);text-transform:uppercase;font-weight:600}.issue .r{font-size:11px;color:var(--muted)}.issue .r b{color:var(--navy)}
.layout{display:grid;grid-template-columns:1fr;gap:30px;padding:22px 0 10px}
@media(min-width:960px){.layout{grid-template-columns:minmax(0,1fr) 328px}}
aside.side{display:flex;flex-direction:column;gap:16px;order:-1}
@media(min-width:960px){aside.side{position:sticky;top:112px;align-self:start;order:0}}
.intro{font-size:16px;line-height:1.78}.intro .dc{font-family:var(--serif);font-style:italic;font-size:56px;float:left;line-height:.82;padding:4px 10px 0 0;color:var(--navy)}
.glance{background:var(--gold-soft);border-left:4px solid var(--gold);border-radius:8px;padding:16px 18px;margin:6px 0 24px}.glance .h{font-size:10.5px;letter-spacing:2px;color:var(--gold-dk);text-transform:uppercase;font-weight:600;margin-bottom:9px}.glance .g{display:grid;grid-template-columns:1fr 1fr;gap:9px;font-size:13px}.glance b{color:var(--navy)}@media(min-width:620px){.glance .g{grid-template-columns:repeat(3,1fr)}}
section{padding:18px 0}.sec-h{margin:0 0 6px}.sec-sub{font-size:13.5px;color:var(--muted);margin:0 0 16px}
.mod{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px}
.mod h4{font-size:10.5px;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold-dk);font-weight:700;margin:0 0 11px}
.offcard{border:2px solid var(--gold);position:relative}.offcard .tag{position:absolute;top:-10px;left:16px;background:var(--gold);color:var(--navy);font-size:9.5px;font-weight:700;letter-spacing:.8px;padding:3px 9px;border-radius:4px}
.offcard .nm{font-family:var(--serif);font-style:italic;font-weight:600;font-size:17px;color:var(--navy);margin:4px 0 2px}.offcard .amt{font-family:var(--serif);font-style:italic;font-size:21px;color:var(--navy)}.offcard .sub2{font-size:11.5px;color:var(--muted);margin:2px 0 11px}
.offcard .btn{display:block;text-align:center}.offcard .micro{font-size:10px;color:var(--muted);line-height:1.45;margin-top:9px}
.toc a{display:block;font-size:13px;color:var(--navy);font-weight:600;padding:7px 0;border-top:1px solid var(--line-2)}.toc a:first-child{border-top:0}.toc a:hover{color:var(--gold-dk)}
.facts li{list-style:none;display:flex;justify-content:space-between;gap:10px;font-size:12.5px;padding:7px 0;border-top:1px solid var(--line-2)}.facts{margin:0;padding:0}.facts li:first-child{border-top:0}.facts li b{color:var(--navy)}
.racecross{background:linear-gradient(135deg,var(--green),var(--green-2));color:#fff;border:0}.racecross h4{color:#bfe6cf}.racecross p{font-size:12.5px;color:#cfe6d8;margin:0 0 10px}.racecross a{color:#FACC15;font-weight:700;font-size:13px}
ul.ops{list-style:none;padding:0;margin:0 0 10px}
ul.ops li{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px;margin:0 0 12px;position:relative}
ul.ops li.top{border:2px solid var(--gold);padding-top:22px}
.toppick{position:absolute;top:-10px;left:16px;background:var(--gold);color:var(--navy);font-size:9.5px;padding:3px 9px;border-radius:4px;font-weight:700;letter-spacing:1px}
.op-head{display:flex;align-items:center;gap:11px;margin-bottom:4px;flex-wrap:wrap}
.op-name{font-family:var(--serif);font-style:italic;font-weight:600;font-size:20px;color:var(--navy)}
.op-badge{font-size:9px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#fdf8ec;background:var(--navy);padding:2px 7px;border-radius:3px}
.op-rate{font-size:12px;color:var(--gold-dk);font-weight:700;margin-left:auto}
.op-stores{font-size:11px;color:var(--muted);margin:0 0 9px}.op-stores b{color:var(--navy);font-weight:600}
.op-offer{background:var(--gold-soft);border:1px solid #ece0c2;border-radius:8px;padding:9px 12px;margin:0 0 11px;font-size:13px;color:var(--navy)}
.op-offer b{font-weight:700}.op-offer .code{font-family:ui-monospace,Menlo,monospace;font-size:11.5px;color:var(--gold-dk);background:#fff;border:1px solid #e7d9b6;padding:1px 6px;border-radius:3px}
ul.ops p{font-size:13.5px;line-height:1.64;color:var(--txt);margin:0 0 9px}
.claim{display:flex;gap:10px;align-items:center;flex-wrap:wrap;margin:2px 0 8px}
.btn{display:inline-block;background:var(--gold);color:var(--navy);padding:10px 18px;border-radius:7px;font-weight:700;font-size:13px}
.micro{font-size:10.5px;color:var(--muted);line-height:1.5}
table.ctable{width:100%;border-collapse:collapse;font-size:13px;background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden;display:block}
@media(min-width:620px){table.ctable{display:table}}
table.ctable th,table.ctable td{text-align:left;padding:11px 13px;border-bottom:1px solid var(--line-2);vertical-align:top}
table.ctable thead th{background:var(--navy);color:#fff;font-family:var(--sans);font-size:10.5px;letter-spacing:.06em;text-transform:uppercase;font-weight:700}
table.ctable tbody th{font-family:var(--serif);font-style:italic;font-weight:600;color:var(--navy);font-size:15px;white-space:nowrap}
table.ctable tbody tr:last-child td,table.ctable tbody tr:last-child th{border-bottom:0}
table.ctable .bestfor{color:var(--gold-dk);font-weight:700}
.promolist{list-style:none;padding:0;margin:0 0 16px}
.promolist li{display:flex;gap:12px;align-items:baseline;padding:11px 0;border-bottom:1px solid var(--line-2);font-size:14px}
.promolist li:last-child{border-bottom:0}
.promolist .b{font-family:var(--serif);font-style:italic;font-weight:600;color:var(--navy);font-size:15.5px;min-width:130px}
.promolist .o{color:var(--txt);flex:1}.promolist .code{font-family:ui-monospace,Menlo,monospace;font-size:11.5px;color:var(--gold-dk);background:var(--gold-soft);border:1px solid #e7d9b6;padding:1px 6px;border-radius:3px;white-space:nowrap}
.ednote{background:var(--navy);color:#eef2f8;border-radius:12px;padding:18px 20px;margin:14px 0 0}.ednote .k{font-size:10px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:7px}.ednote h3{color:#fff;font-size:18px;margin:0 0 7px}.ednote p{font-size:13.5px;color:#cfd6e2;margin:0 0 8px}.ednote .sig{font-size:11.5px;color:#93a0b4;margin-top:4px}
.steps{counter-reset:st;list-style:none;padding:0;margin:0 0 6px}
.steps li{counter-increment:st;position:relative;padding:0 0 14px 42px;margin:0}
.steps li:before{content:counter(st);position:absolute;left:0;top:-2px;width:28px;height:28px;border-radius:50%;background:var(--gold-soft);border:1px solid var(--gold);color:var(--gold-dk);font-weight:700;font-size:13px;display:grid;place-items:center}
.steps li b{color:var(--navy)}.steps li p{font-size:13.5px;color:var(--txt);margin:3px 0 0}
.faq details{border-bottom:1px solid var(--line);padding:12px 0}.faq summary{font-family:var(--serif);font-style:italic;font-weight:600;color:var(--navy);font-size:16px;cursor:pointer;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";float:right;color:var(--gold);font-style:normal}.faq details[open] summary:after{content:"–"}.faq p{font-size:13.5px;color:var(--txt);margin:9px 0 0}
.rg{background:#f7f5ef;border:1px solid var(--line);border-radius:10px;padding:15px 17px;font-size:12.5px;color:var(--txt);margin-top:10px}.rg b{color:var(--navy)}
footer.site{background:var(--navy);color:#cbd3e0;margin-top:30px}.ft{display:grid;grid-template-columns:1fr;gap:24px;padding:34px 0 24px}@media(min-width:720px){.ft{grid-template-columns:1.5fr 1fr 1fr 1fr}}.ft .brand p{font-size:13px;color:#9aa6ba;max-width:300px}.ft h4{font-size:10.5px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin:0 0 10px}.ft .c a{display:block;color:#cbd3e0;font-size:13px;padding:4px 0}.ft .reg{display:flex;gap:8px;margin-top:12px}.ft .reg a{border:1px solid rgba(203,161,53,.4);color:#fff;font-size:12.5px;font-weight:600;padding:6px 12px;border-radius:7px}.ft .reg a.on{background:var(--gold);color:var(--navy)}
.flegal{border-top:1px solid rgba(255,255,255,.08);padding:15px 0 34px;font-size:11.5px;color:#8b97ab}.flegal .l1{color:#cbd3e0;margin-bottom:5px}.flegal a{color:var(--gold)}
.solo2{display:grid;grid-template-columns:1fr;gap:14px}@media(min-width:620px){.solo2{grid-template-columns:1fr 1fr}}.solo2 .pro,.solo2 .con{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px}.solo2 h4{font-size:10.5px;letter-spacing:1.5px;text-transform:uppercase;font-weight:700;margin:0 0 9px}.solo2 .pro h4{color:var(--green)}.solo2 .con h4{color:#a3431f}.solo2 ul{margin:0;padding-left:18px}.solo2 li{font-size:13px;color:var(--txt);margin:0 0 6px}
.op-facts{display:flex;flex-wrap:wrap;gap:4px 16px;font-size:12px;color:var(--muted);margin:0 0 10px}.op-facts b{color:var(--navy);font-weight:600}.op-facts .sep{color:var(--gold)}.op-note{font-size:12.5px;color:var(--txt);background:#f7f5ef;border-left:3px solid var(--gold);padding:7px 10px;border-radius:4px;margin:0 0 10px}.tnote{font-size:11.5px;color:var(--muted);margin:8px 0 0}.fastlist{padding-left:20px}.fastlist li{margin:0 0 6px;font-size:14px}#banking .ctable td,#contact .ctable td{font-size:12.5px}/* horse.bet tools pages: layout + calculator UI (on top of builder.CSS tokens) */
.tl-hero{background:linear-gradient(160deg,var(--navy) 0%,#0f2547 70%,#13305c 100%);color:#fff;padding:22px 0 26px}
.tl-hero .crumb{font-size:12.5px;color:#8f9bb0;margin-bottom:12px}.tl-hero .crumb a{color:#c9d3e3}
.tl-hero .eyebrow{color:var(--gold)}.tl-hero h1{color:#fff;font-size:clamp(27px,4.4vw,42px);line-height:1.13;max-width:900px;margin:0 0 10px}
.tl-hero .byline{font-size:12.5px;color:#9fb0c7}.tl-hero .byline b{color:#fff;font-weight:600}
.tl-chips{display:flex;flex-wrap:wrap;gap:6px;margin-top:14px}.tl-chips a{font-size:12.5px;font-weight:600;color:#e7ecf4;border:1px solid rgba(203,161,53,.4);border-radius:999px;padding:5px 12px;background:rgba(255,255,255,.04)}
.tl-chips a:hover,.tl-chips a[aria-current]{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.tl-layout{display:grid;grid-template-columns:minmax(0,1fr);gap:30px;padding-top:26px;padding-bottom:34px}
@media(min-width:1000px){.tl-layout{grid-template-columns:minmax(0,1fr) 300px;gap:40px}.tl-side{position:sticky;top:96px;align-self:start}}
.tl-main{min-width:0;font-size:16.5px;line-height:1.72;color:#2b3340}
.tl-main>section,.tl-main>.tl-intro{margin-bottom:6px}
.tl-main p{margin:0 0 15px}.tl-main a{color:var(--link);text-decoration:underline;text-decoration-color:rgba(29,95,165,.35);text-underline-offset:2px}
.tl-main ul,.tl-main ol{padding-left:22px;margin:0 0 16px}.tl-main li{margin:0 0 8px}
.tl-main code{font:600 .9em ui-monospace,Menlo,Consolas,monospace;background:var(--gold-soft);border:1px solid #ead9a6;border-radius:5px;padding:1px 5px;color:var(--gold-dk)}
.sec-h{font:italic 600 clamp(23px,3vw,28px)/1.2 var(--serif);color:var(--navy);margin:8px 0 12px}
.tl-main h3{font-size:20px;margin:22px 0 8px}.tl-main h4{font-size:17px;margin:18px 0 6px}
.tl-main>section{padding-top:26px;margin-top:22px;border-top:1px solid var(--line)}
.tl-fig{margin:6px 0 20px}.tl-fig img{display:block;width:100%;height:auto;border-radius:14px;border:1px solid var(--line);background:#fff}
.tl-table{overflow-x:auto;border:1px solid var(--line);border-radius:12px;margin:4px 0 18px;background:#fff}
.tl-table table{width:100%;border-collapse:collapse;font-size:14px}.tl-table th{background:var(--navy);color:#fff;text-align:left;font-size:11px;letter-spacing:.06em;text-transform:uppercase;padding:10px 12px}
.tl-table td{padding:9px 12px;border-top:1px solid var(--line-2)}.tl-table tbody tr:nth-child(even) td{background:#fcfbf7}.tl-table td:first-child{font-weight:700;color:var(--navy)}
.tl-main .faq{background:#fff;border:1px solid var(--line);border-radius:14px;padding:4px 18px}
.tl-main .faq details:last-child{border-bottom:0}.tl-main .faq summary{font-size:17px;padding-right:22px}.tl-main .faq p{font-size:15px;line-height:1.65}
.tl-note{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:12px;padding:14px 16px;font-size:15px;margin:0 0 18px}
.tl-note b{color:var(--navy)}
.tl-cta{display:grid;grid-template-columns:1fr;gap:12px;background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;border-radius:16px;padding:20px;margin:6px 0 22px}
.tl-cta h2{color:#fff;font-size:24px;margin:0}.tl-cta p{color:#c9d3e3;font-size:15px;margin:0}.tl-cta .eyebrow{color:var(--gold);margin:0}
.tl-cta .btn,.tl-main .btn{text-decoration:none;font-size:14px;padding:11px 18px;justify-self:start}
@media(min-width:700px){.tl-cta{grid-template-columns:1fr auto;align-items:center}.tl-cta .btn{justify-self:end}}
.tl-useful{font-size:15px}
.tl-related ul{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr;gap:8px}
@media(min-width:640px){.tl-related ul{grid-template-columns:1fr 1fr}}
.tl-related li{margin:0}.tl-related a{display:block;height:100%;background:#fff;border:1px solid var(--line);border-radius:10px;padding:11px 14px;font-weight:600;font-size:14.5px;color:var(--navy);text-decoration:none}
.tl-related a:hover{border-color:var(--gold)}
.tl-cards{display:grid;grid-template-columns:1fr;gap:14px;margin:6px 0 18px}
@media(min-width:640px){.tl-cards.two{grid-template-columns:1fr 1fr}.tl-cards.three{grid-template-columns:1fr 1fr}}
@media(min-width:1000px){.tl-cards.three{grid-template-columns:1fr 1fr 1fr}}
.tl-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden}
.tl-card img{display:block;width:100%;height:auto;aspect-ratio:1024/538;object-fit:cover;border-bottom:1px solid var(--line)}
.tl-card .in{padding:16px 18px 18px;display:flex;flex-direction:column;flex:1}.tl-card h3{margin:0 0 8px;font-size:21px}
.tl-card p{font-size:15px;line-height:1.62}.tl-card ul{font-size:14.5px}.tl-card .go{margin-top:auto;padding-top:6px}
.tl-card .go .btn{display:inline-block}
.tl-mini{display:grid;grid-template-columns:1fr;gap:10px}@media(min-width:640px){.tl-mini{grid-template-columns:1fr 1fr}}
.tl-mini a{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px 15px;text-decoration:none;color:var(--ink)}
.tl-mini a:hover{border-color:var(--gold)}.tl-mini b{display:block;font:italic 600 17px var(--serif);color:var(--navy)}.tl-mini span{font-size:13.5px;color:var(--txt)}
.tl-side .mod{margin-bottom:14px}.tl-side .mod h4{font-family:var(--sans);font-style:normal}
.tl-side .tnav a{display:flex;justify-content:space-between;gap:8px;font-size:14px;font-weight:600;color:var(--navy);padding:8px 0;border-top:1px solid var(--line-2)}
.tl-side .tnav a:first-of-type{border-top:0}.tl-side .tnav a[aria-current]{color:var(--gold-dk)}.tl-side .tnav a[aria-current]:after{content:"\2605";color:var(--gold)}
.tl-side .tnav .alt{font-size:12.5px;font-weight:600;color:var(--link);border-top:1px solid var(--line);margin-top:4px;padding-top:10px}
@media(max-width:999px){.tl-side .toc-mod{display:none}}
.tl-rg{background:#f7f5ef;border:1px solid var(--line);border-radius:12px;padding:15px 17px;font-size:13.5px;color:var(--txt);margin-top:26px}
.tl-rg p{margin:0 0 8px}.tl-rg p:last-child{margin:0}.tl-rg b{color:var(--navy)}
/* ---------- calculator UI ---------- */
.hbt{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 10px 30px rgba(8,20,38,.07);margin:8px 0 26px;overflow:hidden;font-size:15px;line-height:1.5;color:var(--ink)}
.hbt-head{padding:16px 18px 4px}.hbt-head .eyebrow{margin:0 0 4px}.hbt-head h2{font-size:23px;margin:0}.hbt-head p{font-size:14px;color:var(--txt);margin:6px 0 0}
.hbt-body{padding:12px 18px 6px}
.hbt-regions{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin:0 0 14px}
.hbt-regions button{font:700 13px var(--sans);padding:10px 6px;border:1px solid var(--line);border-radius:9px;background:#fff;color:var(--txt);cursor:pointer;min-height:42px}
.hbt-regions button.on{background:var(--navy);border-color:var(--navy);color:#fff}
.hbt-grid,.hbt-grid3{display:grid;grid-template-columns:1fr;gap:10px 12px;margin:0 0 12px}
@media(min-width:560px){.hbt-grid{grid-template-columns:1fr 1fr}.hbt-grid3{grid-template-columns:1fr 1fr 1fr}}
.hbt-f label,.hbt-lbl{display:block;font:700 11px var(--sans);letter-spacing:.06em;text-transform:uppercase;color:#5f6672;margin:0 0 5px}
.hbt input[type=text],.hbt input[type=number],.hbt select{width:100%;min-height:44px;padding:9px 11px;border:1px solid #d9d2c1;border-radius:9px;font:16px var(--sans);color:var(--ink);background:#fff}
.hbt input:focus,.hbt select:focus,.hbt button:focus-visible{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold)}
.hbt input[aria-invalid=true]{border-color:#b42318;background:#fff6f5}
.hbt-check{display:flex;align-items:flex-start;gap:9px;margin:0 0 12px;font-size:14.5px}.hbt-check input{width:20px;height:20px;margin:1px 0 0;accent-color:var(--navy);flex:none}
.hbt-check small{display:block;color:var(--muted);font-size:12.5px}
.hbt-selh{display:flex;justify-content:space-between;align-items:baseline;border-top:1px solid var(--line-2);padding-top:12px;margin-top:4px}
.hbt-selh h3{font-size:18px;margin:0 0 6px}
.hbt-sel{display:grid;grid-template-columns:28px 1fr 1fr;gap:8px;align-items:center;padding:7px 0;border-top:1px solid var(--line-2)}
.hbt-sel:first-child{border-top:0}
.hbt-n{width:26px;height:26px;border-radius:50%;background:var(--gold-soft);border:1px solid #ead9a6;color:var(--gold-dk);font-weight:800;font-size:12px;display:grid;place-items:center}
.hbt-hint{font-size:12.5px;color:var(--muted);margin:8px 0 4px}.hbt-warn{font-size:13px;color:#b42318;margin:6px 0 0}
.hbt-sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.hbt-out{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:18px;display:grid;grid-template-columns:1fr 1fr;gap:12px 16px}
.hbt-big{grid-column:1/-1;display:flex;justify-content:space-between;align-items:baseline;gap:10px;border-bottom:1px solid rgba(255,255,255,.14);padding-bottom:12px}
.hbt-k{font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;color:#9fb0c7;font-weight:700}
.hbt-v{font:italic 700 clamp(30px,6vw,40px)/1 var(--serif);color:var(--gold);white-space:nowrap}
.hbt-v2{display:block;font:italic 700 21px/1.2 var(--serif);color:#fff;margin-top:3px}.hbt-pos{color:#7ce2b0}.hbt-neg{color:#ffb3b3}
.hbt-bd{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.14);padding-top:8px}
.hbt-bdr{display:flex;justify-content:space-between;gap:12px;font-size:13.5px;padding:4px 0;color:#c9d3e3}.hbt-bdr b{color:#fff;white-space:nowrap}
.hbt-bdr:empty{display:none}
.hbt-foot{font-size:12px;color:var(--muted);text-align:center;margin:0;padding:10px 16px 14px;background:#fff}
.hbt-conv{display:grid;grid-template-columns:1fr;gap:12px;margin:0 0 12px}@media(min-width:560px){.hbt-conv{grid-template-columns:1fr 1fr}}
.hbt-conv small{display:block;font-size:12px;color:var(--muted);margin-top:4px}.hbt-sfx{position:relative}.hbt-sfx input{padding-right:30px}.hbt-sfx span{position:absolute;right:11px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700}
.hbt-ctx{background:var(--navy);color:#e7ecf4;border-radius:12px;padding:14px 16px;font-size:15px;margin:0 0 12px}.hbt-ctx strong{color:var(--gold)}.hbt-ctx .hbt-k{display:block;margin-bottom:4px}
.hbt-ref summary{cursor:pointer;font-weight:700;color:var(--navy);padding:8px 0}.hbt-ref .tl-table{margin:6px 0 4px}.hbt-ref td:first-child{font-weight:700}
.hbt [hidden]{display:none!important}