/* QuintEdge free tools — v3 design system (t3-* namespace).
   Approved 16 Oct 2026 on the CFA Fee Calculator; the template for every
   other free tool. Spec, HTML snippets and the per-tool mapping live in
   docs/free-tools-design.md.

   Page shape:
     .t3-tool  → two columns: .t3-left (hero + inputs) | .t3-card-wrap (sticky live card)
     .t3-result → the unlocked result page (hero + tiles, timeline, savings, detail, share, CTA)
     .t3-guide  → quick answer, question cards, FAQ, related, disclaimer
   Phone (≤960px): one column, inputs first, live card after them, and a
   sticky .t3-dock with the live number above the site's bottom bar.

   Uses the site tokens every page defines inline (--teal, --teal2, --w,
   --t1, --t2, --bdr, --bdr2, --bg2, --lav, --gold). Small text never uses
   --t3 (it fails contrast on --bg); --t2 is the floor. The gate keeps the
   .qe-cs-* field classes so qe-form-core's inline errors work unchanged.
   Load it INSTEAD of qe-tools-min.css (it is self-contained). */

:root{
  --c3-l1:#00D4AA;--c3-l2:#2FB8E8;--c3-l3:#6E8BFF;
  --c3-extra:#E98BD0;--c3-gst:#FFC266;--c3-mk:#FF8A8A;--c3-prep:#A8B3C7;
  --c3-ok:#00D4AA;--c3-soon:#64C8FF;--c3-warn:#FFCC66;
  --c3-card:linear-gradient(180deg,#0E1733 0%,#0A1128 100%);
  --c3-ease:cubic-bezier(.22,1,.36,1);
  --c3-grad:linear-gradient(90deg,#00D4AA,#64C8FF,#B4BFFF);
  --c3-mcta:56px; /* site bottom bar height on phones; JS measures it */
}
.t3-tool [hidden],.t3-result [hidden],.t3-guide [hidden],.t3-dock[hidden]{display:none!important}
.t3-nw{white-space:nowrap}
/* Native inputs stay on top (invisible) so taps and automation hit the real control */
.t3-opt input,.t3-chip input,.t3-seg input,.t3-switch input{z-index:1}
.t3-vh{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ── Shared atoms ── */
.t3-accent{font-family:'Times New Roman',Times,serif;font-style:italic;font-weight:400;letter-spacing:0;background:var(--c3-grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;padding-right:.08em}
.t3-eyebrow{font-size:.7rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin:0}
.t3-go{display:inline-flex;align-items:center;justify-content:center;gap:10px;width:100%;min-height:52px;padding:0 24px;border:0;border-radius:999px;background:linear-gradient(135deg,var(--teal),var(--teal2));color:#04121A;font:inherit;font-size:.94rem;font-weight:600;cursor:pointer;text-decoration:none;box-shadow:0 10px 30px -10px rgba(0,212,170,.55);transition:transform .2s var(--c3-ease),box-shadow .2s}
.t3-go svg{width:18px;height:18px;flex:none;transition:transform .2s var(--c3-ease)}
.t3-go:hover{transform:translateY(-1px);box-shadow:0 14px 34px -10px rgba(0,212,170,.7)}
.t3-go:hover svg{transform:translateX(3px)}
.t3-go:focus-visible{outline:2px solid #fff;outline-offset:3px}
.t3-go:disabled{opacity:.55;cursor:not-allowed;transform:none}
.t3-go--sm{min-height:44px;font-size:.84rem;width:auto;flex:1;padding:0 18px}
.t3-ghost{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:44px;padding:0 16px;border-radius:999px;border:1px solid var(--bdr2);background:transparent;color:var(--t1);font:inherit;font-size:.82rem;font-weight:500;cursor:pointer;text-decoration:none;transition:border-color .15s,color .15s}
.t3-ghost:hover{border-color:var(--teal);color:var(--teal2)}
.t3-ghost:focus-visible{outline:2px solid var(--teal2);outline-offset:2px}
.t3-ghost svg{width:16px;height:16px;flex:none}
.t3-link{background:none;border:0;padding:0;color:var(--teal2);font:inherit;text-decoration:underline;text-underline-offset:2px;cursor:pointer}
.t3-link:focus-visible{outline:2px solid var(--teal2);outline-offset:2px;border-radius:4px}
.t3-pill{display:inline-block;padding:3px 10px;border-radius:999px;font-size:.68rem;font-weight:600;letter-spacing:.02em;white-space:nowrap;font-style:normal}
.t3-pill--ok{background:rgba(0,212,170,.13);color:var(--teal2)}
.t3-pill--warn{background:rgba(255,204,102,.13);color:#FFD88A}
.t3-pill--lav{background:rgba(155,138,255,.15);color:#CFC6FF}
.t3-pill--muted{background:rgba(255,255,255,.07);color:var(--t1)}
.t3-err{font-size:.82rem;color:#ff9b9b;display:none;line-height:1.6;margin:0}
.t3-err.show{display:block}
.t3-p{font-size:.84rem;color:var(--t2);line-height:1.6;margin:0}
.t3-p strong{color:var(--w);font-weight:600}
.t3-p a,.t3-panel a,.t3-fold a,.t3-sv a{color:var(--teal2);text-decoration:underline;text-underline-offset:2px}

/* ── 1. Page hero ── */
.t3-hero{position:relative}
.t3-kicker{display:inline-flex;align-items:center;gap:8px;font-size:.72rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin:0 0 16px}
.t3-kicker svg{width:16px;height:16px}
.t3-h1{font-size:clamp(1.8rem,3.4vw,2.6rem);font-weight:600;color:var(--w);line-height:1.14;letter-spacing:-.025em;margin:0 0 14px;text-wrap:balance}
.t3-sub{font-size:1.02rem;color:var(--t2);line-height:1.6;margin:0;max-width:56ch}
.t3-meta{display:flex;flex-wrap:wrap;gap:6px 18px;margin:18px 0 0;padding:0;list-style:none;font-size:.76rem;color:var(--t2)}
.t3-meta li{position:relative}
.t3-meta li+li::before{content:'';position:absolute;left:-11px;top:50%;width:3px;height:3px;border-radius:50%;background:var(--t2)}

/* ── 2. Tool layout: inputs | sticky live card ── */
.t3-tool{padding:clamp(32px,5vw,56px) 0 0}
.t3-grid{display:grid;grid-template-columns:minmax(0,1fr) 412px;gap:clamp(28px,4vw,56px);align-items:start}
.t3-left{min-width:0;display:flex;flex-direction:column;gap:40px}
.t3-inputs{min-width:0;display:flex;flex-direction:column;gap:30px}
.t3-step{border:0;padding:0;margin:0;min-width:0}
.t3-step>legend{display:flex;align-items:center;gap:12px;padding:0;margin:0 0 14px;font-size:1.06rem;font-weight:600;color:var(--w);line-height:1.35;letter-spacing:-.01em}
.t3-n{flex:none;display:inline-grid;place-items:center;width:26px;height:26px;border-radius:50%;font-size:.74rem;font-weight:600;color:var(--teal);background:rgba(0,212,170,.1);box-shadow:inset 0 0 0 1px rgba(0,212,170,.3)}
.t3-help{font-size:.8rem;color:var(--t2);line-height:1.5;margin:-6px 0 14px}

/* ── 3. Option cards (multi/single select) ── */
.t3-opts{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px}
.t3-opts--3{grid-template-columns:repeat(3,minmax(0,1fr))}
.t3-opt{position:relative;display:block;cursor:pointer}
.t3-opt input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer;width:100%;height:100%}
.t3-opt-in{display:grid;grid-template-columns:1fr auto;align-items:center;gap:2px 10px;min-height:76px;padding:14px 16px;border-radius:16px;border:1px solid var(--bdr2);background:rgba(255,255,255,.02);transition:border-color .2s,background .2s}
.t3-opt-in b{grid-column:1;font-size:.98rem;font-weight:600;color:var(--t1)}
.t3-opt-in small{grid-column:1;font-size:.76rem;color:var(--t2);font-variant-numeric:tabular-nums}
.t3-tick{grid-column:2;grid-row:1/span 2;width:22px;height:22px;border-radius:7px;border:1.5px solid rgba(255,255,255,.25);display:grid;place-items:center;transition:background .2s,border-color .2s}
.t3-opt input[type=radio]+.t3-opt-in .t3-tick{border-radius:50%}
.t3-tick::after{content:'';width:10px;height:6px;border-left:2px solid var(--bg);border-bottom:2px solid var(--bg);transform:translateY(-1px) rotate(-45deg) scale(0);transition:transform .2s var(--c3-ease)}
.t3-opt:hover .t3-opt-in{border-color:rgba(255,255,255,.2)}
.t3-opt input:checked+.t3-opt-in{border-color:rgba(0,212,170,.55);background:linear-gradient(160deg,rgba(0,212,170,.09),rgba(0,212,170,.02))}
.t3-opt input:checked+.t3-opt-in b{color:var(--w)}
.t3-opt input:checked+.t3-opt-in .t3-tick{background:var(--teal);border-color:var(--teal)}
.t3-opt input:checked+.t3-opt-in .t3-tick::after{transform:translateY(-1px) rotate(-45deg) scale(1)}
.t3-opt input:focus-visible+.t3-opt-in{outline:2px solid var(--teal2);outline-offset:2px}

/* Chip rows: one labelled row of single-choice chips (windows, sittings, years) */
.t3-rows{display:flex;flex-direction:column;gap:12px}
.t3-row{display:flex;flex-direction:column;gap:10px;padding:16px 0 0;border-top:1px solid var(--bdr)}
.t3-row:first-child{border-top:0;padding-top:0}
.t3-row-h{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap}
.t3-row-h b{font-size:.88rem;color:var(--w);font-weight:600}
.t3-row-h small{font-size:.76rem;color:var(--t2);line-height:1.4}
.t3-chips{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:8px;border:0;padding:0;margin:0;min-width:0}
.t3-chip{position:relative;display:block}
.t3-chip input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer;width:100%;height:100%}
.t3-chip span{display:flex;flex-direction:column;justify-content:center;gap:3px;min-height:58px;padding:9px 12px;border-radius:12px;border:1px solid var(--bdr2);background:rgba(255,255,255,.015);cursor:pointer;transition:border-color .18s,background .18s}
.t3-chip b{font-size:.84rem;font-weight:600;color:var(--t1);line-height:1.2;white-space:nowrap}
.t3-chip i{font-style:normal;font-size:.72rem;color:var(--t2);line-height:1.3;display:flex;align-items:center;gap:5px}
.t3-chip i::before{content:'';flex:none;width:6px;height:6px;border-radius:50%;background:currentColor}
.t3-chip[data-st=early] i{color:var(--c3-ok)}
.t3-chip[data-st=notOpen] i{color:var(--c3-soon)}
.t3-chip[data-st=standard] i{color:var(--c3-warn)}
.t3-chip:hover span{border-color:rgba(255,255,255,.22)}
.t3-chip input:checked+span{border-color:var(--teal);background:rgba(0,212,170,.07);box-shadow:0 0 0 3px rgba(0,212,170,.08)}
.t3-chip input:checked+span b{color:var(--w)}
.t3-chip input:focus-visible+span{outline:2px solid var(--teal2);outline-offset:2px}
.t3-chip.is-off span{opacity:.38;cursor:not-allowed;border-style:dashed}
.t3-chip.is-off:hover span{border-color:var(--bdr2)}
.t3-flag{margin:14px 0 0;padding:10px 14px;border-radius:12px;background:rgba(255,204,102,.06);border:1px solid rgba(255,204,102,.2);font-size:.8rem;color:var(--t1);line-height:1.55}
.t3-flag strong{color:#FFD88A;font-weight:600}
.t3-flag.is-info{background:rgba(100,200,255,.05);border-color:rgba(100,200,255,.18)}
.t3-flag.is-info strong{color:var(--c3-soon)}

/* Fine-tune panel (advanced inputs, one fold) */
.t3-more{border:1px solid var(--bdr2);border-radius:18px;background:rgba(255,255,255,.015);margin:0;overflow:hidden}
.t3-more>summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:14px;min-height:64px;padding:14px 18px}
.t3-more>summary::-webkit-details-marker{display:none}
.t3-more>summary::after{content:'';flex:none;width:8px;height:8px;border-right:1.5px solid var(--t2);border-bottom:1.5px solid var(--t2);transform:translateY(-2px) rotate(45deg);transition:transform .25s var(--c3-ease);margin-left:4px}
.t3-more[open]>summary::after{transform:translateY(2px) rotate(-135deg)}
.t3-more>summary:focus-visible{outline:2px solid var(--teal2);outline-offset:-2px;border-radius:18px}
.t3-more-ic{flex:none;width:36px;height:36px;border-radius:11px;display:grid;place-items:center;background:rgba(155,138,255,.12);color:#C4B9FF}
.t3-more-ic svg{width:18px;height:18px}
.t3-more-t{flex:1;min-width:0}
.t3-more-t b{display:block;font-size:.94rem;color:var(--w);font-weight:600}
.t3-more-t small{display:block;font-size:.74rem;color:var(--t2);line-height:1.45;margin-top:1px}
.t3-badge{flex:none;font-size:.7rem;font-weight:600;padding:4px 9px;border-radius:999px;color:#CFC6FF;background:rgba(155,138,255,.14)}
.t3-more-body{padding:4px 18px 20px;display:flex;flex-direction:column;gap:22px}
.t3-group{display:flex;flex-direction:column;gap:14px;padding-top:18px;border-top:1px solid var(--bdr)}
.t3-gh{font-size:.68rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--t2);margin:0}
.t3-row2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.t3-field{display:flex;flex-direction:column;gap:7px;min-width:0}
.t3-field>span{display:flex;gap:6px;align-items:baseline;font-size:.8rem;color:var(--t2);font-weight:500}
.t3-field output{font-variant-numeric:tabular-nums;color:var(--w);font-weight:600}
.t3-field small{font-size:.72rem;color:var(--t2);line-height:1.5}
.t3-inwrap{position:relative;display:block}
.t3-inwrap i{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-style:normal;color:var(--t2);font-size:.9rem;pointer-events:none}
.t3-inwrap input,.t3-select{width:100%;min-height:46px;padding:0 14px 0 30px;background:rgba(255,255,255,.03);border:1px solid var(--bdr2);border-radius:12px;color:var(--w);font-size:.92rem;font-family:inherit;font-variant-numeric:tabular-nums;transition:border-color .15s}
.t3-select{padding:0 34px 0 12px;-webkit-appearance:none;appearance:none;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%238896B3' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>");background-repeat:no-repeat;background-position:right 12px center;font-size:.84rem;cursor:pointer}
.t3-select option{background:var(--bg2);color:var(--t1)}
.t3-inwrap input:focus,.t3-select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(0,212,170,.14)}
.t3-select:disabled{opacity:.5;cursor:not-allowed}
.t3-range{-webkit-appearance:none;appearance:none;width:100%;height:46px;background:transparent;margin:0;--p:0%;cursor:pointer}
.t3-range::-webkit-slider-runnable-track{height:6px;border-radius:6px;background:linear-gradient(90deg,var(--c3-soon) var(--p),rgba(255,255,255,.1) var(--p))}
.t3-range::-moz-range-track{height:6px;border-radius:6px;background:linear-gradient(90deg,var(--c3-soon) var(--p),rgba(255,255,255,.1) var(--p))}
.t3-range::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;margin-top:-8px;box-shadow:0 0 0 4px rgba(100,200,255,.2),0 2px 8px rgba(0,0,0,.4)}
.t3-range::-moz-range-thumb{width:22px;height:22px;border:0;border-radius:50%;background:#fff;box-shadow:0 0 0 4px rgba(100,200,255,.2)}
.t3-range:focus-visible{outline:2px solid var(--teal2);outline-offset:2px;border-radius:8px}
.t3-switch{position:relative;display:flex;align-items:flex-start;gap:12px;cursor:pointer;font-size:.86rem;color:var(--t1);line-height:1.45;min-height:44px}
.t3-switch input{position:absolute;opacity:0;left:0;top:0;width:44px;height:26px;margin:0;cursor:pointer}
.t3-sw{flex:none;position:relative;width:44px;height:26px;border-radius:999px;background:rgba(255,255,255,.14);transition:background .2s}
.t3-sw::after{content:'';position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;box-shadow:0 1px 4px rgba(0,0,0,.4);transition:transform .25s var(--c3-ease)}
.t3-switch input:checked+.t3-sw{background:var(--teal)}
.t3-switch input:checked+.t3-sw::after{transform:translateX(18px)}
.t3-switch input:focus-visible+.t3-sw{outline:2px solid var(--teal2);outline-offset:2px}
.t3-switch input:disabled+.t3-sw{opacity:.4}
.t3-switch small{display:block;font-size:.74rem;color:var(--t2);margin-top:2px}
.t3-tabs{display:flex;gap:4px;padding:4px;border-radius:14px;background:rgba(255,255,255,.04);border:1px solid var(--bdr)}
.t3-tabs button{flex:1;position:relative;min-height:44px;border:0;border-radius:10px;background:transparent;color:var(--t2);font:inherit;font-size:.82rem;font-weight:500;cursor:pointer;transition:background .2s,color .2s}
.t3-tabs button[aria-selected=true]{background:rgba(255,255,255,.1);color:var(--w);box-shadow:0 1px 3px rgba(0,0,0,.3)}
.t3-tabs button:focus-visible{outline:2px solid var(--teal2);outline-offset:1px}
.t3-tabs button i{position:absolute;top:9px;right:12px;width:6px;height:6px;border-radius:50%;background:var(--lav)}
.t3-sub-card{border:1px solid var(--bdr);border-radius:14px;padding:14px;display:flex;flex-direction:column;gap:12px}
.t3-sub-card-h{display:flex;justify-content:space-between;align-items:baseline;gap:10px;flex-wrap:wrap}
.t3-sub-card-h b{font-size:.9rem;color:var(--w);font-weight:600}
.t3-sub-card-h small{font-size:.74rem;color:var(--t2);font-variant-numeric:tabular-nums}
.t3-g2{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:12px}
.t3-g2--even{grid-template-columns:repeat(2,minmax(0,1fr))}
.t3-g3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;width:100%}
.t3-hint{font-size:.74rem;color:var(--t2);line-height:1.5;margin:0}
.t3-seg{display:grid;grid-template-columns:1fr 1fr;padding:3px;border-radius:12px;background:rgba(255,255,255,.04);border:1px solid var(--bdr);min-height:46px}
.t3-seg label{position:relative;display:block}
.t3-seg input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer;width:100%;height:100%}
.t3-seg span{display:flex;align-items:center;justify-content:center;height:100%;min-height:38px;border-radius:9px;font-size:.8rem;color:var(--t2);font-weight:500;cursor:pointer;transition:background .2s,color .2s;white-space:nowrap}
.t3-seg input:checked+span{background:rgba(255,255,255,.1);color:var(--w);box-shadow:0 1px 3px rgba(0,0,0,.3)}
.t3-seg input:focus-visible+span{outline:2px solid var(--teal2);outline-offset:1px}
.t3-seg input:disabled+span{opacity:.4;cursor:not-allowed}
.t3-stp{display:grid;grid-template-columns:44px 1fr 44px;align-items:center;min-height:46px;border:1px solid var(--bdr2);border-radius:12px;overflow:hidden}
.t3-stp button{height:44px;background:none;border:0;color:var(--t1);font-size:1.1rem;cursor:pointer;transition:background .15s}
.t3-stp button:hover:not(:disabled){background:rgba(255,255,255,.06)}
.t3-stp button:disabled{color:var(--t2);opacity:.45;cursor:not-allowed}
.t3-stp button:focus-visible{outline:2px solid var(--teal2);outline-offset:-2px}
.t3-stp output{text-align:center;font-size:.92rem;color:var(--w);font-weight:600;font-variant-numeric:tabular-nums}
.t3-prep{display:flex;flex-direction:column;gap:10px;align-items:flex-start}

/* ── 4. Live result card ── */
.t3-card-wrap{position:sticky;top:84px;min-width:0;scroll-margin-top:84px;max-height:calc(100vh - 100px);overflow:auto;scrollbar-width:none;border-radius:24px}
.t3-card-wrap::-webkit-scrollbar{display:none}
.t3-card{position:relative;isolation:isolate;border-radius:24px;background:var(--c3-card);border:1px solid rgba(255,255,255,.09);box-shadow:inset 0 1px 0 rgba(255,255,255,.06);padding:22px 22px 18px;display:flex;flex-direction:column;gap:18px;overflow:hidden}
.t3-card::before{content:'';position:absolute;z-index:-1;top:-40px;left:-20px;width:300px;height:220px;background:radial-gradient(closest-side,rgba(0,212,170,.16),transparent);pointer-events:none}
.t3-card::after{content:'';position:absolute;inset:0;border-radius:inherit;z-index:-1;background:radial-gradient(120% 60% at 100% 0,rgba(155,138,255,.07),transparent 60%);pointer-events:none}
.t3-card.is-gating .t3-card-hide{display:none}
.t3-card-lbl{display:flex;align-items:center;gap:8px;font-size:.76rem;color:var(--t2);font-weight:500;flex-wrap:wrap}
.t3-live{width:7px;height:7px;border-radius:50%;background:var(--teal);animation:t3Pulse 2.4s infinite}
@keyframes t3Pulse{0%{box-shadow:0 0 0 0 rgba(0,212,170,.45)}70%{box-shadow:0 0 0 8px rgba(0,212,170,0)}100%{box-shadow:0 0 0 0 rgba(0,212,170,0)}}
.t3-tag{margin-left:auto;font-size:.68rem;font-weight:600;padding:3px 9px;border-radius:999px;background:rgba(255,255,255,.07);color:var(--t1)}
.t3-total{margin:8px 0 0;font-size:clamp(2.5rem,4.2vw,3.1rem);font-weight:600;line-height:1;letter-spacing:-.035em;color:var(--w);font-variant-numeric:tabular-nums;background:linear-gradient(180deg,#fff 30%,#C9D6EE);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.t3-total.is-err{font-size:1.1rem;letter-spacing:-.01em;line-height:1.4;-webkit-text-fill-color:#FFC2C2;background:none}
.t3-total-sub{margin:10px 0 0;font-size:.8rem;color:var(--t2);line-height:1.5}
.t3-total-sub b{color:var(--t1);font-weight:500}
.t3-delta{display:inline-block;font-size:.72rem;font-weight:600;padding:1px 8px;border-radius:999px;transition:opacity .4s;font-variant-numeric:tabular-nums}
.t3-delta.up{color:#FFC2C2;background:rgba(255,107,107,.13)}
.t3-delta.down{color:var(--teal2);background:rgba(0,212,170,.13)}

/* Stacked cost bar + legend (card, result hero, detail cards, dock) */
.t3-bar{display:flex;gap:3px;height:14px;border-radius:7px;overflow:hidden;background:rgba(255,255,255,.04)}
.t3-bar i{display:block;height:100%;min-width:0;flex-basis:0;border-radius:3px;transition:flex-grow .6s var(--c3-ease)}
.t3-bar i:first-child{border-radius:7px 3px 3px 7px}
.t3-bar i:last-child{border-radius:3px 7px 7px 3px}
.t3-bar i:only-child{border-radius:7px}
.t3-bar--thin{height:8px}
.t3-legend{list-style:none;margin:10px 0 0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:6px 16px}
.t3-legend li{display:flex;align-items:center;gap:8px;font-size:.76rem;color:var(--t2);min-width:0}
.t3-legend li i{flex:none;width:8px;height:8px;border-radius:3px}
.t3-legend li span{flex:1;min-width:0;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.t3-legend li b{font-weight:500;color:var(--t1);font-variant-numeric:tabular-nums;white-space:nowrap}

/* Path: compact horizontal steps (exam path, stages, years) */
.t3-path-blk{padding-top:16px;border-top:1px solid var(--bdr)}
.t3-path-h{display:flex;justify-content:space-between;align-items:baseline;font-size:.7rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--t2);margin-bottom:12px}
.t3-path-h a{display:inline-flex;align-items:center;min-height:44px;margin:-14px 0;letter-spacing:0;text-transform:none;font-weight:500;font-size:.76rem;color:var(--t2);text-decoration:underline;text-underline-offset:2px}
.t3-path-h a:hover{color:var(--teal2)}
.t3-path{list-style:none;margin:0;padding:0;display:grid;grid-auto-flow:column;grid-auto-columns:minmax(0,1fr);gap:10px}
.t3-path li{position:relative;min-width:0;padding-top:22px;--st:var(--t2)}
.t3-path li::before{content:'';position:absolute;top:6px;left:14px;right:-10px;height:2px;background:linear-gradient(90deg,rgba(255,255,255,.16),rgba(255,255,255,.06))}
.t3-path li:last-child::before{display:none}
.t3-path-dot{position:absolute;top:0;left:0;width:14px;height:14px;border-radius:50%;background:var(--bg2);box-shadow:inset 0 0 0 2px var(--st)}
.t3-path li[data-st=early]{--st:var(--c3-ok)}
.t3-path li[data-st=notOpen]{--st:var(--c3-soon)}
.t3-path li[data-st=standard]{--st:var(--c3-warn)}
.t3-path li[data-st=early] .t3-path-dot,.t3-path li[data-st=notOpen] .t3-path-dot,.t3-path li[data-st=standard] .t3-path-dot{background:radial-gradient(circle,var(--st) 0 3px,var(--bg2) 3.5px)}
.t3-path li[data-st=tbc] .t3-path-dot{box-shadow:none;border:1.5px dashed rgba(255,255,255,.35)}
.t3-path b{display:block;font-size:.66rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--t2)}
.t3-path strong{display:block;font-size:.88rem;color:var(--w);font-weight:600;line-height:1.3;margin-top:2px}
.t3-path span{display:block;font-size:.72rem;color:var(--t2);line-height:1.4;margin-top:2px}
.t3-path em{display:block;font-style:normal;font-family:inherit;background:none;-webkit-text-fill-color:currentColor;font-size:.72rem;color:var(--st);line-height:1.4;margin-top:4px;font-weight:500}
.t3-path li[data-st=tbc] em{color:var(--t2)}
/* Countdown chip: days + one line */
.t3-count{margin:14px 0 0;font-size:.78rem;color:var(--t2);line-height:1.5;padding:10px 12px;border-radius:14px;background:rgba(0,212,170,.05);border:1px solid rgba(0,212,170,.16);display:flex;gap:12px;align-items:center}
.t3-count strong{color:var(--w);font-weight:500}
.t3-count a{color:var(--teal2);text-decoration:underline;text-underline-offset:2px}
.t3-count>svg{flex:none;width:16px;height:16px;color:var(--teal)}
.t3-cd{flex:none;display:flex;flex-direction:column;align-items:center;justify-content:center;min-width:56px;padding:6px 4px;border-radius:10px;background:rgba(0,212,170,.13)}
.t3-cd b{font-size:1.25rem;line-height:1;color:var(--teal2);font-weight:600;font-variant-numeric:tabular-nums}
.t3-cd small{font-size:.6rem;color:var(--t1);letter-spacing:.04em;margin-top:3px;white-space:nowrap}
.t3-fine{margin:-6px 0 0;font-size:.72rem;color:var(--t2);line-height:1.5}

/* ── 5. Unlock / teaser panel ── */
.t3-unlock{position:relative;border-radius:18px;padding:16px;background:linear-gradient(160deg,rgba(155,138,255,.1),rgba(0,212,170,.05));border:1px solid rgba(155,138,255,.24)}
.t3-unlock-h{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.t3-unlock-h b{display:block;font-size:.95rem;color:var(--w);font-weight:600}
.t3-unlock-h small{display:block;font-size:.76rem;color:var(--t2)}
.t3-lock{flex:none;width:36px;height:36px;border-radius:11px;display:grid;place-items:center;background:rgba(155,138,255,.16);color:#CFC6FF}
.t3-lock svg{width:18px;height:18px}
.t3-tease{list-style:none;margin:0 0 14px;padding:0;display:flex;flex-direction:column}
.t3-tease li{display:flex;justify-content:space-between;align-items:center;gap:10px;min-height:34px;border-top:1px solid rgba(255,255,255,.07);font-size:.8rem;color:var(--t1)}
.t3-tease li:first-child{border-top:0}
.t3-tease li span::before{content:'';display:inline-block;width:5px;height:5px;border-radius:50%;background:var(--lav);margin-right:9px;vertical-align:2px}
.t3-blur{font-style:normal;font-weight:600;color:var(--w);filter:blur(5px);user-select:none;font-variant-numeric:tabular-nums;opacity:.8}
.t3-done{border-radius:18px;padding:16px;background:rgba(0,212,170,.06);border:1px solid rgba(0,212,170,.26);display:flex;flex-direction:column;gap:12px;animation:t3In .35s var(--c3-ease)}
.t3-done-h{display:flex;align-items:center;gap:12px}
.t3-done-h b{display:block;font-size:.92rem;color:var(--w);font-weight:600}
.t3-done-h small{display:block;font-size:.76rem;color:var(--t2)}
.t3-ok{flex:none;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--teal);color:#04121A}
.t3-ok svg{width:18px;height:18px}
.t3-done-a{display:flex;gap:8px}
@keyframes t3In{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}

/* The gate (partials/tool-gate-v3.html). Inside .t3-card it opens in place. */
.t3-gate{margin:0;scroll-margin-top:90px;animation:t3In .35s var(--c3-ease)}
.t3-gate-card{padding:18px;border-radius:18px;background:rgba(255,255,255,.03);border:1px solid rgba(0,212,170,.32);box-shadow:0 0 0 4px rgba(0,212,170,.05)}
.t3-gate-back{display:inline-flex;align-items:center;background:none;border:0;padding:0;margin:-8px 0 2px;color:var(--t2);font:inherit;font-size:.82rem;cursor:pointer;min-height:44px}
.t3-gate-back:hover{color:var(--w)}
.t3-gate-back:focus-visible{outline:2px solid var(--teal2);outline-offset:2px;border-radius:6px}
.t3-gate-title{font-size:1.05rem;color:var(--w);font-weight:600;margin:0 0 2px;line-height:1.35}
.t3-gate-sub{font-size:.8rem;color:var(--t2);line-height:1.5;margin:0 0 14px}
.t3-gate .qe-cs-contact{display:grid;grid-template-columns:minmax(0,1fr);gap:10px;margin-bottom:10px}
.t3-gate .qe-cs-field{display:flex;flex-direction:column;gap:5px}
.t3-gate .qe-cs-field>span{font-size:.76rem;color:var(--t2);font-weight:500}
.t3-gate .qe-cs-field input,.t3-gate .qe-cs-field select{min-height:46px;padding:0 14px;background:rgba(5,10,24,.6);border:1px solid var(--bdr2);border-radius:12px;color:var(--w);font-size:.9rem;font-family:inherit;transition:border-color .15s,box-shadow .15s;width:100%}
.t3-gate .qe-cs-field input::placeholder{color:#7A87A3}
.t3-gate .qe-cs-field select{-webkit-appearance:none;appearance:none;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%238896B3' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'><polyline points='6 9 12 15 18 9'/></svg>");background-repeat:no-repeat;background-position:right 10px center;padding-right:30px}
.t3-gate .qe-cs-field select option{background:var(--bg2);color:var(--t1)}
.t3-gate .qe-cs-field input:focus,.t3-gate .qe-cs-field select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(0,212,170,.14)}
.t3-gate .qe-cs-phone-row{display:grid;grid-template-columns:118px minmax(0,1fr);gap:8px}
.t3-gate .qe-cs-phone-row select{font-size:.82rem}
.t3-gate-phone{margin-bottom:10px}
.t3-gate .qe-cs-fineprint{font-size:.74rem;color:var(--t2);margin:0 0 12px;line-height:1.5}
.t3-gate .qe-cs-go:disabled{opacity:1;cursor:not-allowed;transform:none}
.t3-gate .qe-cs-go:disabled:hover svg{transform:none}
.t3-gate .qe-cs-err{font-size:.8rem;color:#ff9b9b;text-align:center;display:none;margin-top:10px;line-height:1.6}
.t3-gate .qe-cs-err.show{display:block}
.t3-gate .qe-cs-field-err,.t3-gate .qe-cs-inline-err{font-size:.74rem;color:#ff9b9b}

/* Phone dock: sticky live number above the site's bottom bar */
.t3-dock{display:none}

/* ── 6. Result page (after the gate) ── */
.t3-result{margin:clamp(40px,6vw,64px) 0 0;scroll-margin-top:84px;display:flex;flex-direction:column;gap:18px}
.t3-result:focus{outline:none}
.t3-r-top{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.t3-stamp{display:inline-flex;align-items:center;gap:6px;padding:6px 12px;border-radius:99px;background:rgba(0,212,170,.1);color:var(--teal2);font-size:.76rem;font-weight:500}
.t3-stamp svg{width:14px;height:14px}
.t3-rhero{position:relative;display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:24px 40px;padding:clamp(22px,4vw,40px);border-radius:28px;border:1px solid rgba(255,255,255,.08);background:radial-gradient(520px 240px at 12% 18%,rgba(0,212,170,.14),transparent 70%),radial-gradient(420px 220px at 95% 0%,rgba(155,138,255,.1),transparent 70%),linear-gradient(180deg,rgba(15,26,58,.6),rgba(10,17,40,.4))}
.t3-rhero-h{margin:10px 0 0;display:flex;flex-direction:column}
.t3-big{font-size:clamp(2.7rem,7vw,4.6rem);font-weight:600;letter-spacing:-.035em;line-height:1;color:var(--w);font-variant-numeric:tabular-nums;text-shadow:0 0 70px rgba(0,212,170,.3)}
.t3-big-l{margin-top:10px;font-size:.74rem;font-weight:500;letter-spacing:.14em;text-transform:uppercase;color:var(--t2)}
.t3-rhero-sub{margin:16px 0 0;font-size:.9rem;color:var(--t2);line-height:1.65;max-width:58ch}
.t3-rhero-sub b{color:var(--w);font-weight:600}
.t3-tiles{display:grid;gap:10px;align-content:start}
.t3-tile{position:relative;padding:14px 16px;border-radius:16px;border:1px solid var(--bdr2);background:rgba(5,10,24,.35);display:flex;flex-direction:column;line-height:1.35;min-width:0}
.t3-tile>span{font-size:.68rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--t2)}
.t3-tile>b{margin-top:4px;font-size:1.2rem;font-weight:600;color:var(--w);font-variant-numeric:tabular-nums}
.t3-tile>small{font-size:.78rem;color:var(--t2)}
.t3-tile .t3-pill{position:absolute;top:12px;right:12px}
.t3-tile--s>b{font-size:1rem}
.t3-rhero-bar{grid-column:1/-1}
.t3-rhero-bar .t3-legend{display:flex;flex-wrap:wrap;gap:10px 26px;margin-top:16px}
.t3-rhero-bar .t3-legend li{font-size:.8rem}
.t3-rhero-bar .t3-legend li i{width:10px;height:10px}
.t3-rhero-bar .t3-legend li span{flex:none}
.t3-rhero-bar .t3-legend li b{font-weight:600;color:var(--w);font-size:.86rem}
.t3-warn{padding:14px 18px;border-radius:16px;border:1px solid rgba(255,204,102,.3);background:rgba(255,204,102,.06)}
.t3-warn b{font-size:.82rem;color:#FFD88A}
.t3-warn ul{margin:6px 0 0;padding:0 0 0 18px;list-style:disc;font-size:.84rem;color:var(--t1);line-height:1.6}
.t3-r-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:18px;align-items:start}
.t3-panel{padding:24px 26px;border-radius:24px;border:1px solid var(--bdr2);background:rgba(255,255,255,.02);min-width:0}
.t3-panel-h{display:flex;align-items:center;justify-content:space-between;gap:8px 12px;flex-wrap:wrap}
.t3-panel h3{margin:0;font-size:1.15rem;font-weight:600;color:var(--w);letter-spacing:-.01em;line-height:1.35}
.t3-small{margin:12px 0 0;font-size:.78rem;color:var(--t2);line-height:1.6}
.t3-small a{color:var(--teal2);text-decoration:underline;text-underline-offset:2px}
.t3-h2{font-size:clamp(1.2rem,2.2vw,1.45rem);color:var(--w);font-weight:600;letter-spacing:-.015em;line-height:1.25;margin:14px 0 2px}

/* Dated "pay-when" timeline with calendar action */
.t3-tl{position:relative;margin:20px 0 0;padding:0;list-style:none}
.t3-tl::before{content:'';position:absolute;left:15px;top:10px;bottom:20px;width:2px;border-radius:2px;background:linear-gradient(180deg,rgba(0,212,170,.5),rgba(155,138,255,.25),rgba(255,255,255,.04))}
.t3-tl-i{position:relative;display:grid;grid-template-columns:32px minmax(0,1fr) auto;gap:14px;align-items:start;padding:0 0 20px;--c:var(--t2)}
.t3-tl-dot{position:relative;z-index:1;display:grid;place-items:center;width:32px;height:32px;border-radius:50%;background:#0A1128;border:1.5px solid var(--c);color:var(--c)}
.t3-tl-dot svg{width:14px;height:14px}
.t3-tl-i>div{display:flex;flex-direction:column;min-width:0;padding-top:1px}
.t3-tl-i time{font-size:.68rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--t2)}
.t3-tl-i b{font-size:.92rem;font-weight:500;color:var(--t1);line-height:1.45}
.t3-tl-i small{font-size:.78rem;color:var(--t2);line-height:1.5}
.t3-tl-pay .t3-tl-dot{background:var(--c);color:#050A18;box-shadow:0 0 0 5px rgba(255,255,255,.05)}
.t3-tl-pay b{color:var(--w);font-weight:600}
.t3-when{align-self:center;padding:4px 10px;border-radius:99px;background:rgba(255,255,255,.07);color:var(--c);font-size:.72rem;font-weight:600;white-space:nowrap}
@supports (color:color-mix(in srgb,red 10%,transparent)){
  .t3-when{background:color-mix(in srgb,var(--c) 15%,transparent)}
  .t3-tl-pay .t3-tl-dot{box-shadow:0 0 0 5px color-mix(in srgb,var(--c) 16%,transparent)}
}
.t3-tl-now{--c:var(--teal)}
.t3-tl-now .t3-tl-dot{background:var(--teal);color:#050A18;animation:t3Pulse 2.4s infinite}
.t3-tl-now b{color:var(--teal2)}
.t3-tl-later{padding-bottom:0}
.t3-tl-later b{margin-top:6px;padding-left:12px;border-left:3px solid var(--c)}
.t3-tl-later small{padding-left:15px}

/* "Ways to save" list */
.t3-sv{display:grid;grid-template-columns:38px minmax(0,1fr);gap:14px;padding:16px 0;border-top:1px solid var(--bdr)}
.t3-panel-h+.t3-sv{border-top:0;padding-top:18px}
.t3-sv-ico{display:grid;place-items:center;width:38px;height:38px;border-radius:12px;background:rgba(0,212,170,.12);color:var(--teal)}
.t3-sv-ico svg{width:18px;height:18px}
.t3-sv--warn .t3-sv-ico{background:rgba(255,204,102,.12);color:var(--gold)}
.t3-sv--lav .t3-sv-ico{background:rgba(155,138,255,.14);color:#CFC6FF}
.t3-sv small{display:block;font-size:.76rem;color:var(--t2)}
.t3-sv b{display:block;font-size:1.4rem;font-weight:600;color:var(--w);font-variant-numeric:tabular-nums;letter-spacing:-.01em;line-height:1.25}
.t3-sv p{margin:4px 0 0;font-size:.8rem;color:var(--t2);line-height:1.55}

/* Detail cards (one per level / part / scenario) */
.t3-dcards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px}
.t3-dcard{border-radius:20px;border:1px solid var(--bdr2);background:rgba(255,255,255,.02);padding:20px;display:flex;flex-direction:column;gap:14px;min-width:0}
.t3-dcard-h{display:flex;justify-content:space-between;align-items:flex-start;gap:10px}
.t3-dcard-h b{display:block;font-size:1rem;color:var(--w);font-weight:600}
.t3-dcard-h span{display:block;font-size:.78rem;color:var(--t2);margin-top:2px;line-height:1.4}
.t3-dcard-t{font-size:1.6rem;font-weight:600;color:var(--w);letter-spacing:-.02em;font-variant-numeric:tabular-nums;line-height:1}
.t3-dcard-t small{display:block;font-size:.74rem;color:var(--t2);font-weight:400;letter-spacing:0;margin-top:6px}
.t3-lines{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:6px}
.t3-lines li{display:flex;justify-content:space-between;gap:12px;font-size:.8rem;color:var(--t2);line-height:1.4}
.t3-lines li b{font-weight:500;color:var(--t1);font-variant-numeric:tabular-nums;white-space:nowrap}
.t3-lines li i{display:inline-block;width:7px;height:7px;border-radius:2px;margin-right:8px;vertical-align:1px}
.t3-dcard-f{margin-top:auto;padding-top:12px;border-top:1px solid var(--bdr);font-size:.76rem;color:var(--t2);line-height:1.45}
.t3-dcard-f strong{color:var(--w);font-weight:500}
.t3-swipe{display:none;margin:8px 0 0;font-size:.74rem;color:var(--t2);text-align:center}
.t3-back{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:0;background:none;border:0;color:var(--teal2);font:inherit;font-size:.86rem;font-weight:500;cursor:pointer}
.t3-back svg{width:16px;height:16px}
.t3-back:hover{color:var(--w)}
.t3-back:focus-visible{outline:2px solid var(--teal2);outline-offset:2px;border-radius:6px}

/* Share row + CTA */
.t3-share{display:flex;flex-wrap:wrap;align-items:center;gap:10px}
.t3-act{display:inline-flex;align-items:center;gap:8px;min-height:50px;padding:0 20px;border-radius:14px;border:1px solid var(--bdr2);background:rgba(255,255,255,.03);color:var(--t1);font:inherit;font-size:.86rem;font-weight:500;cursor:pointer;text-decoration:none;transition:border-color .2s,color .2s,background .2s}
.t3-act:hover{border-color:rgba(0,212,170,.5);color:var(--w)}
.t3-act:focus-visible{outline:2px solid var(--teal2);outline-offset:2px}
.t3-act svg{width:18px;height:18px;flex:none;color:var(--teal)}
.t3-act:disabled{opacity:.6;cursor:progress}
.t3-act--main{background:var(--w);color:#050A18;border-color:var(--w)}
.t3-act--main svg{color:#050A18}
.t3-act--main:hover{color:#050A18;background:#E4E9F2}
.t3-act--edit{margin-left:auto}
.t3-msg{font-size:.8rem;color:var(--t2);flex-basis:100%;min-height:1.2em}
.t3-cta{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:20px 32px;padding:clamp(22px,3.5vw,32px) clamp(22px,3.5vw,36px);border-radius:24px;border:1px solid rgba(0,212,170,.26);background:radial-gradient(500px 200px at 100% 100%,rgba(155,138,255,.16),transparent 70%),linear-gradient(120deg,rgba(0,212,170,.1),rgba(10,17,40,.4))}
.t3-cta h3{margin:8px 0 0;font-size:clamp(1.15rem,2.4vw,1.5rem);font-weight:600;color:var(--w);line-height:1.3;letter-spacing:-.01em}
.t3-cta h3 em{font-style:normal;font-family:inherit;color:var(--teal2)}
.t3-cta p:not(.t3-eyebrow){margin:6px 0 0;font-size:.86rem;color:var(--t2);line-height:1.6}
.t3-cta .t3-go{width:auto;padding:0 26px}

/* Folds + tables (detail one tap deeper) */
.t3-folds{display:flex;flex-direction:column}
.t3-fold{border-top:1px solid var(--bdr)}
.t3-fold:last-child{border-bottom:1px solid var(--bdr)}
.t3-fold>summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:56px;padding:12px 0;font-size:.92rem;color:var(--t1);font-weight:500}
.t3-fold>summary::-webkit-details-marker{display:none}
.t3-fold>summary::after{content:'';flex:none;width:7px;height:7px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:translateY(-2px) rotate(45deg);transition:transform .2s}
.t3-fold[open]>summary::after{transform:translateY(2px) rotate(-135deg)}
.t3-fold>summary:hover{color:var(--w)}
.t3-fold>summary:focus-visible{outline:2px solid var(--teal2);outline-offset:2px}
.t3-fold-body{padding:0 0 20px;display:flex;flex-direction:column;gap:12px}
.t3-table-wrap{overflow-x:auto;border:1px solid var(--bdr);border-radius:14px}
.t3-table{width:100%;border-collapse:collapse;font-size:.82rem;color:var(--t1)}
.t3-table th,.t3-table td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--bdr);vertical-align:top}
.t3-table th{font-size:.66rem;text-transform:uppercase;letter-spacing:.08em;color:var(--t2);font-weight:600;background:rgba(255,255,255,.02)}
.t3-table .t3-r{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.t3-table tbody tr:last-child td{border-bottom:0}
.t3-table tfoot td{font-weight:600;color:var(--w);border-top:1px solid var(--bdr2);border-bottom:0}
.t3-table td small{display:block;color:var(--t2);font-size:.74rem;margin-top:3px;line-height:1.45}
.t3-list{margin:0;padding:0 0 0 18px;list-style:disc;font-size:.84rem;color:var(--t1);line-height:1.6}
.t3-list li{margin-bottom:6px}
.t3-disc{font-size:.74rem;color:var(--t2);line-height:1.6;margin:0}

/* ── 7. Guide (below the tool) ── */
.t3-guide{padding:clamp(64px,9vw,112px) 0 clamp(72px,10vw,120px)}
.t3-tool:has(.t3-result:not([hidden]))+.t3-guide{padding-top:clamp(48px,6vw,72px)}
.t3-answer{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:clamp(24px,4vw,48px);align-items:center;padding:clamp(22px,3.5vw,36px);border-radius:24px;background:linear-gradient(150deg,rgba(0,212,170,.06),rgba(10,17,40,.6) 45%,rgba(155,138,255,.05));border:1px solid var(--bdr2)}
.t3-answer-t .t3-quick{font-size:1.02rem;color:var(--t1);line-height:1.7;margin:10px 0 0}
.t3-quick strong{color:var(--w);font-weight:600}
.t3-facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.t3-fact{position:relative;padding:16px 14px 18px;border-radius:16px;background:rgba(5,10,24,.55);border:1px solid var(--bdr);overflow:hidden;min-width:0}
.t3-fact::before{content:'';position:absolute;left:0;top:0;right:0;height:2px;background:var(--c,var(--teal));opacity:.8}
.t3-fact span{display:block;font-size:.7rem;color:var(--t2);font-weight:600;letter-spacing:.08em;text-transform:uppercase}
.t3-fact b{display:block;font-size:1.35rem;color:var(--w);font-weight:600;letter-spacing:-.02em;margin-top:6px;font-variant-numeric:tabular-nums}
.t3-fact small{display:block;font-size:.72rem;color:var(--t2);margin-top:2px}
.t3-guide-grid{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(0,1fr);gap:clamp(32px,5vw,72px);margin-top:clamp(48px,7vw,80px);align-items:start}
.t3-gtitle{font-size:clamp(1.4rem,2.6vw,1.9rem);color:var(--w);font-weight:600;letter-spacing:-.02em;line-height:1.2;margin:6px 0 20px}
.t3-gtitle--sm{font-size:clamp(1.25rem,2.2vw,1.55rem)}
/* Q-cards: numbered accordion, question-phrased H2 inside each summary */
.t3-acc{display:flex;flex-direction:column;gap:8px;counter-reset:t3q}
.t3-acc>details{border-radius:16px;border:1px solid var(--bdr);background:rgba(255,255,255,.015);transition:border-color .2s,background .2s}
.t3-acc>details:hover{border-color:var(--bdr2)}
.t3-acc>details[open]{border-color:rgba(0,212,170,.26);background:rgba(0,212,170,.025)}
.t3-acc>details>summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:14px;min-height:60px;padding:14px 18px;counter-increment:t3q}
.t3-acc>details>summary::-webkit-details-marker{display:none}
.t3-acc>details>summary::before{content:counter(t3q,decimal-leading-zero);flex:none;width:22px;font-size:.72rem;font-weight:600;color:var(--t2);font-variant-numeric:tabular-nums}
.t3-acc>details[open]>summary::before{color:var(--teal)}
.t3-acc>details>summary h2{flex:1;font-size:.98rem;font-weight:500;color:var(--w);margin:0;line-height:1.45;letter-spacing:0}
.t3-acc>details>summary::after,.t3-faq>details>summary::after{content:'+';flex:none;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;font-size:1rem;line-height:1;color:var(--t1);background:rgba(255,255,255,.06);transition:transform .25s var(--c3-ease),background .2s,color .2s}
.t3-acc>details[open]>summary::after,.t3-faq>details[open]>summary::after{transform:rotate(45deg);background:rgba(0,212,170,.15);color:var(--teal)}
.t3-acc>details>summary:focus-visible,.t3-faq>details>summary:focus-visible{outline:2px solid var(--teal2);outline-offset:-2px;border-radius:16px}
.t3-acc-body{padding:0 18px 20px 54px;font-size:.9rem;color:var(--t1);line-height:1.7}
.t3-acc-body>*:last-child{margin-bottom:0}
.t3-acc-body p{margin:0 0 12px}
.t3-acc-body ul{margin:0 0 12px 18px;list-style:disc}
.t3-acc-body li{margin-bottom:4px}
.t3-acc-body a,.t3-quick a,.t3-faq a{color:var(--teal2);text-decoration:underline;text-underline-offset:2px}
.t3-acc-body strong{color:var(--w);font-weight:600}
.t3-acc-body .t3-table-wrap{margin:4px 0 12px}
.t3-takeaway{font-size:.84rem;color:var(--t1);margin:0 0 12px;padding:8px 0 8px 12px;border-left:2px solid var(--teal)}
.t3-sources{font-size:.84rem;color:var(--t2);margin:0 0 0 18px}
.t3-sources li{margin-bottom:6px}
.t3-guide-side{position:sticky;top:96px}
.t3-faq>details{border-bottom:1px solid var(--bdr)}
.t3-faq>details:first-child{border-top:1px solid var(--bdr)}
.t3-faq>details>summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:56px;padding:14px 0;color:var(--w);font-size:.9rem;font-weight:500;line-height:1.45}
.t3-faq>details>summary::-webkit-details-marker{display:none}
.t3-faq>details>p{padding:0 0 18px;margin:0;font-size:.88rem;color:var(--t1);line-height:1.7}
.t3-rel-h{margin:clamp(48px,7vw,72px) 0 16px}
.t3-related{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.t3-related a{position:relative;display:block;padding:16px 44px 16px 18px;border-radius:16px;border:1px solid var(--bdr);background:rgba(255,255,255,.015);text-decoration:none;transition:border-color .2s,background .2s}
.t3-related a::after{content:'';position:absolute;right:18px;top:50%;width:8px;height:8px;border-top:1.5px solid var(--t2);border-right:1.5px solid var(--t2);transform:translateY(-50%) rotate(45deg);transition:border-color .2s,right .2s var(--c3-ease)}
.t3-related a:hover{border-color:rgba(0,212,170,.35);background:rgba(0,212,170,.04)}
.t3-related a:hover::after{border-color:var(--teal);right:14px}
.t3-related a:focus-visible{outline:2px solid var(--teal2);outline-offset:2px}
.t3-related b{display:block;font-size:.9rem;color:var(--w);font-weight:500;line-height:1.35}
.t3-related span{display:block;font-size:.78rem;color:var(--t2);margin-top:3px;line-height:1.4}
.t3-guide .t3-disc{margin-top:36px;max-width:90ch}

/* ── Tablet and phone ── */
@media(max-width:1080px){
  .t3-grid{grid-template-columns:minmax(0,1fr) 372px}
}
@media(max-width:960px){
  .t3-left{gap:32px}
  .t3-grid{grid-template-columns:minmax(0,1fr)}
  .t3-card-wrap{position:relative;top:auto;max-height:none;overflow:visible}
  .t3-r-grid,.t3-guide-grid,.t3-answer{grid-template-columns:minmax(0,1fr)}
  .t3-guide-side{position:static}
  .t3-dock{display:flex;align-items:center;gap:12px;position:fixed;z-index:999;left:12px;right:12px;bottom:calc(var(--c3-mcta) + 10px + env(safe-area-inset-bottom,0px));padding:9px 9px 9px 16px;border-radius:16px;border:1px solid rgba(255,255,255,.14);background:rgba(14,23,51,.94);-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px);box-shadow:0 20px 40px -12px rgba(0,0,0,.7);color:var(--w);font:inherit;text-align:left;cursor:pointer;overflow:hidden;transition:transform .35s var(--c3-ease),opacity .25s}
  .t3-dock.off{transform:translateY(calc(100% + var(--c3-mcta) + 20px));opacity:0;pointer-events:none;visibility:hidden}
  .t3-dock:focus-visible{outline:2px solid var(--teal2);outline-offset:2px}
  .t3-dock-bar{position:absolute;left:0;right:0;top:0;height:3px;display:flex;gap:2px}
  .t3-dock-bar i{display:block;height:100%;flex-basis:0;transition:flex-grow .6s var(--c3-ease)}
  .t3-dock-t{flex:1;min-width:0}
  .t3-dock-t small{display:block;font-size:.7rem;color:var(--t2);letter-spacing:.04em}
  .t3-dock-t b{display:block;font-size:1.15rem;font-weight:600;letter-spacing:-.02em;font-variant-numeric:tabular-nums;line-height:1.3;white-space:nowrap}
  .t3-dock-cta{flex:none;display:inline-flex;align-items:center;gap:6px;min-height:44px;padding:0 16px;border-radius:999px;background:linear-gradient(135deg,var(--teal),var(--teal2));color:#04121A;font-size:.84rem;font-weight:600}
  .t3-dock-cta svg{width:15px;height:15px}
}
@media(max-width:860px){
  .t3-rhero{grid-template-columns:minmax(0,1fr);border-radius:24px}
  .t3-cta{grid-template-columns:minmax(0,1fr)}
  .t3-cta .t3-go{width:100%}
}
@media(max-width:600px){
  .W{padding:0 16px}
  .t3-h1{font-size:1.85rem}
  .t3-meta{font-size:.74rem;gap:4px 18px}
  .t3-meta li+li::before{display:none}
  .t3-meta-x{display:none!important}
  .t3-inputs{gap:26px}
  .t3-opts--3{gap:8px}
  .t3-opt-in{grid-template-columns:1fr;min-height:84px;padding:12px;gap:2px;align-content:start}
  .t3-tick{grid-row:auto;grid-column:1;order:-1;width:20px;height:20px;margin-bottom:6px}
  .t3-opt-in b{font-size:.92rem}
  .t3-opt-in small{font-size:.7rem}
  .t3-chips{grid-template-columns:repeat(3,minmax(0,1fr))}
  .t3-chip span{padding:8px 9px;min-height:56px;overflow:hidden}
  .t3-chip b{font-size:.8rem}
  .t3-chip i{font-size:.64rem;white-space:nowrap;gap:4px}
  .t3-chip i::before{width:5px;height:5px}
  .t3-more>summary{padding:14px}
  .t3-more-body{padding:4px 14px 18px}
  .t3-row2,.t3-g2,.t3-g3{grid-template-columns:minmax(0,1fr)}
  .t3-g2--even{grid-template-columns:repeat(2,minmax(0,1fr))}
  .t3-card{padding:20px 18px;border-radius:22px}
  .t3-total{font-size:2.6rem}
  .t3-path{gap:6px}
  .t3-path strong{font-size:.8rem}
  .t3-path span,.t3-path em{font-size:.68rem}
  .t3-legend{gap:8px 12px}
  .t3-legend li{font-size:.74rem}
  .t3-inwrap input,.t3-select,.t3-gate .qe-cs-field input,.t3-gate .qe-cs-field select{font-size:16px}
  .t3-panel{padding:20px 18px;border-radius:20px}
  .t3-rhero-bar .t3-legend{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 14px}
  .t3-tl-i{grid-template-columns:32px minmax(0,1fr);gap:4px 12px}
  .t3-tl-i .t3-when{grid-column:2;justify-self:start;align-self:start}
  .t3-dcards{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;gap:10px;margin:0 -16px;padding:0 16px 6px;scrollbar-width:none}
  .t3-dcards::-webkit-scrollbar{display:none}
  .t3-dcard{flex:0 0 86%;scroll-snap-align:center}
  .t3-swipe{display:block}
  .t3-act{flex:1 1 auto;justify-content:center;padding:0 14px}
  .t3-act--main{flex-basis:100%}
  .t3-act--edit{margin-left:0}
  .t3-facts{gap:8px}
  .t3-fact{padding:12px 10px 14px}
  .t3-fact b{font-size:1rem;white-space:nowrap}
  .t3-stamp-d{display:none}
  .t3-acc>details>summary{padding:14px}
  .t3-acc>details>summary::before{display:none}
  .t3-acc-body{padding:0 14px 18px}
  .t3-related{grid-template-columns:minmax(0,1fr)}
  .t3-table th,.t3-table td{padding:9px 10px}
  .t3-table th,.t3-table .t3-r{white-space:normal}
  /* Stacked table on phones: label each cell */
  .t3-table--stack thead{display:none}
  .t3-table--stack,.t3-table--stack tbody,.t3-table--stack tfoot,.t3-table--stack tr,.t3-table--stack td{display:block;width:100%}
  .t3-table--stack tr{border-bottom:1px solid var(--bdr);padding:8px 0}
  .t3-table--stack tr:last-child{border-bottom:0}
  .t3-table--stack td{border:0!important;padding:3px 12px}
  .t3-table--stack td:first-child{padding-bottom:6px}
  .t3-table--stack td.t3-r{text-align:right}
  .t3-table--stack td[data-label]::before{content:attr(data-label);float:left;color:var(--t2);font-size:.74rem;font-weight:500}
  .t3-table--stack td.t3-m-hide{display:none}
}
@media(max-width:360px){
  .t3-h1{font-size:1.65rem}
  .t3-opt-in{padding:10px}
  .t3-chip span{padding:8px 7px;overflow:visible}
  .t3-chip i{white-space:normal;font-size:.64rem;align-items:flex-start}
  .t3-chip i::before{margin-top:.35em}
  .t3-total{font-size:2.3rem}
  .t3-facts{grid-template-columns:minmax(0,1fr)}
  .t3-gate .qe-cs-phone-row{grid-template-columns:100px minmax(0,1fr)}
}
@media(prefers-reduced-motion:reduce){
  .t3-live,.t3-tl-now .t3-tl-dot{animation:none}
  .t3-tool *,.t3-result *,.t3-guide *,.t3-dock,.t3-dock *{transition:none!important;animation:none!important}
}
@media print{
  .topbar,#topbar,footer,.mcta,.t3-gate,.t3-dock,.t3-share,.t3-cta,.t3-unlock,.t3-inputs,.t3-card-wrap{display:none!important}
  body{background:#fff!important;color:#000!important}
  details>*{display:block!important}
}