.setc{
  --setc-bg:#f8fafc;--setc-card:#ffffff;--setc-line:#e2e8f0;--setc-field:#7c8a9e;--setc-ink:#0f172a;--setc-body:#334155;--setc-mute:#475569;
  --setc-accent:#0369a1;--setc-accent-2:#0f766e;--setc-accent-soft:#e0f2fe;--setc-teal-soft:#ccfbf1;
  --setc-good:#15803d;--setc-good-ink:#166534;--setc-good-soft:#dcfce7;
  --setc-warn:#c2410c;--setc-warn-ink:#9a3412;--setc-warn-soft:#ffedd5;
  --setc-bad:#b91c1c;--setc-bad-ink:#991b1b;--setc-bad-soft:#fee2e2;
  --setc-shadow:0 4px 20px -2px rgba(15,23,42,.05);--setc-shadow-hover:0 10px 30px -4px rgba(15,23,42,.10);
  font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--setc-ink);background:var(--setc-bg);max-width:820px;margin:0 auto;padding:28px 20px;border-radius:20px;
  line-height:1.55;-webkit-font-smoothing:antialiased;box-sizing:border-box;text-align:left}
.setc *,.setc *::before,.setc *::after{box-sizing:border-box}
.setc [hidden]{display:none !important}
.setc .setc-sr{position:absolute !important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ---------- Header ---------- */
.setc .setc-head{position:relative;text-align:center;margin-bottom:24px;padding-top:4px}
.setc .setc-lang{position:absolute;top:0;right:0;display:inline-flex;gap:2px;padding:3px;margin:0;border:1.5px solid var(--setc-field);border-radius:999px;background:#fff}
.setc .setc-lang-btn{appearance:none;-webkit-appearance:none;border:0;margin:0;min-width:44px;min-height:32px;padding:4px 12px;border-radius:999px;background:transparent;
  font:inherit;font-size:.8rem;font-weight:700;letter-spacing:.04em;color:var(--setc-body);cursor:pointer;line-height:1;box-shadow:none;text-transform:none}
.setc .setc-lang-btn:hover{background:var(--setc-accent-soft);color:var(--setc-accent)}
.setc .setc-lang-btn[aria-pressed=true]{background:var(--setc-accent);color:#fff}
.setc .setc-lang-btn:focus-visible{outline:2px solid var(--setc-accent);outline-offset:2px}
.setc .setc-eyebrow{max-width:calc(100% - 220px);display:inline-flex;align-items:center;gap:6px;background:var(--setc-accent-soft);color:var(--setc-accent);
  font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:5px 12px;border-radius:999px;margin-bottom:12px}
.setc h2.setc-title{font-size:clamp(1.5rem,4vw,2rem);font-weight:800;letter-spacing:-.02em;line-height:1.2;margin:0 0 8px;color:var(--setc-ink)}
.setc .setc-lead{color:var(--setc-mute);font-size:1rem;margin:0 auto;max-width:580px}

/* ---------- Cards ---------- */
.setc .setc-card{background:var(--setc-card);border:1px solid var(--setc-line);border-radius:16px;padding:24px;margin-bottom:18px;
  box-shadow:var(--setc-shadow);transition:box-shadow .25s ease,border-color .25s ease}
.setc .setc-card:hover{box-shadow:var(--setc-shadow-hover);border-color:#cbd5e1}
.setc .setc-card-head{display:flex;align-items:center;gap:12px;margin-bottom:20px}
.setc .setc-step{flex:0 0 36px;height:36px;border-radius:10px;display:grid;place-items:center;font-weight:800;font-size:.95rem;color:#fff;
  background:linear-gradient(135deg,var(--setc-accent),var(--setc-accent-2))}
.setc .setc-card-head h3{font-size:1.08rem;font-weight:700;margin:0;letter-spacing:-.01em;color:var(--setc-ink)}
.setc .setc-card-head p{font-size:.85rem;color:var(--setc-mute);margin:2px 0 0}

/* ---------- Form ---------- */
.setc .setc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
.setc .setc-span2{grid-column:1/-1}
.setc label,.setc .setc-lbl{display:block;font-size:.8rem;font-weight:600;color:var(--setc-body);margin-bottom:6px}
.setc .setc-field{position:relative}
.setc .setc-field .setc-affix{position:absolute;top:50%;transform:translateY(-50%);color:var(--setc-mute);font-weight:600;font-size:.95rem;pointer-events:none}
.setc .setc-field .setc-pre{left:14px}
.setc .setc-field .setc-suf{right:14px}
.setc input.setc-num,.setc select{width:100%;height:48px;padding:0 14px;border:1.5px solid var(--setc-field);border-radius:12px;margin:0;
  font:inherit;font-size:1rem;font-weight:500;color:var(--setc-ink);background:#fff;appearance:none;-webkit-appearance:none;box-shadow:none;
  transition:border-color .2s,box-shadow .2s,background .2s}
.setc .setc-field.setc-has-pre input{padding-left:30px}
.setc .setc-field.setc-has-suf input{padding-right:34px}
.setc select{background-image:linear-gradient(45deg,transparent 50%,#475569 50%),linear-gradient(135deg,#475569 50%,transparent 50%);
  background-size:6px 6px,6px 6px;background-position:calc(100% - 20px) 50%,calc(100% - 14px) 50%;background-repeat:no-repeat;padding-right:38px;cursor:pointer}
.setc input.setc-num:hover,.setc select:hover{border-color:#475569;background-color:#fcfdfe}
.setc input.setc-num:focus-visible,.setc select:focus-visible{outline:2px solid var(--setc-accent);outline-offset:2px;border-color:var(--setc-accent)}
.setc input.setc-num:focus,.setc select:focus{border-color:var(--setc-accent);box-shadow:0 0 0 4px rgba(3,105,161,.15)}
.setc input[aria-invalid=true]{border-color:var(--setc-bad);background:#fffafa}
.setc .setc-hint{display:flex;gap:6px;align-items:flex-start;font-size:.75rem;line-height:1.45;color:var(--setc-mute);margin:6px 0 0}
.setc .setc-hint svg{flex:0 0 14px;width:14px;height:14px;margin-top:1px;color:var(--setc-accent)}
.setc .setc-err{font-size:.78rem;font-weight:600;color:var(--setc-bad-ink);margin:6px 0 0}
.setc .setc-err::before{content:"⚠ "}

/* Toggle switch */
.setc .setc-toggle{position:relative;display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:48px;padding:8px 14px;
  border:1.5px solid var(--setc-field);border-radius:12px;cursor:pointer;transition:border-color .2s;margin:0;font-size:.9rem}
.setc .setc-toggle:hover{border-color:#475569}
.setc .setc-toggle span{font-size:.88rem;font-weight:600;color:var(--setc-body)}
.setc .setc-toggle input{position:absolute;opacity:0;width:1px;height:1px;margin:0;pointer-events:none}
.setc .setc-switch{position:relative;width:42px;height:24px;background:#7c8a9e;border-radius:999px;transition:background .2s;flex:0 0 auto}
.setc .setc-switch::after{content:"";position:absolute;top:3px;left:3px;width:18px;height:18px;background:#fff;border-radius:50%;
  box-shadow:0 1px 3px rgba(0,0,0,.2);transition:transform .2s}
.setc .setc-toggle input:checked + .setc-switch{background:var(--setc-accent-2)}
.setc .setc-toggle input:checked + .setc-switch::after{transform:translateX(18px)}
.setc .setc-toggle:focus-within{outline:2px solid var(--setc-accent);outline-offset:2px}

/* Disclosure sections */
.setc details.setc-more{border:1px solid var(--setc-line);border-radius:12px;background:var(--setc-bg);margin-top:16px}
.setc details.setc-more > summary{cursor:pointer;padding:12px 14px;font-size:.88rem;font-weight:700;color:var(--setc-accent);list-style-position:inside}
.setc details.setc-more > summary:focus-visible{outline:2px solid var(--setc-accent);outline-offset:2px;border-radius:12px}
.setc details.setc-more > .setc-grid{padding:4px 14px 16px}

/* Button */
.setc .setc-btn{display:flex;align-items:center;justify-content:center;gap:10px;width:100%;height:56px;margin-top:22px;border:0;border-radius:14px;
  font:inherit;font-size:1.05rem;font-weight:700;letter-spacing:.01em;color:#fff;cursor:pointer;text-transform:none;
  background:linear-gradient(135deg,var(--setc-accent) 0%,var(--setc-accent-2) 100%);
  box-shadow:0 6px 16px -4px rgba(3,105,161,.45);transition:transform .15s ease,box-shadow .2s ease,filter .2s}
.setc .setc-btn:hover{box-shadow:0 12px 28px -6px rgba(3,105,161,.55);filter:brightness(1.08);transform:translateY(-1px)}
.setc .setc-btn:active{transform:translateY(1px) scale(.99);box-shadow:0 3px 8px -2px rgba(3,105,161,.4)}
.setc .setc-btn:focus-visible{outline:3px solid var(--setc-ink);outline-offset:3px}
.setc .setc-btn svg{width:20px;height:20px}

/* Error summary */
.setc .setc-errbox{border:1.5px solid var(--setc-bad);background:var(--setc-bad-soft);color:var(--setc-bad-ink);border-radius:12px;padding:14px 16px;margin:0 0 18px;font-size:.9rem}
.setc .setc-errbox strong{display:block;margin-bottom:6px}
.setc .setc-errbox ul{margin:0;padding-left:20px}
.setc .setc-errbox a{color:var(--setc-bad-ink);font-weight:600}

/* ---------- Results ---------- */
.setc .setc-reveal{animation:setc-in .45s ease both}
@keyframes setc-in{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}

.setc .setc-hero{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}
.setc .setc-hero-kpi{position:relative;overflow:hidden;border-radius:16px;padding:20px;color:#fff;
  background:linear-gradient(135deg,#075985 0%,#0369a1 100%);box-shadow:0 10px 24px -8px rgba(3,105,161,.5)}
.setc .setc-hero-kpi.setc-alt{background:linear-gradient(135deg,#0f766e 0%,#115e59 100%);box-shadow:0 10px 24px -8px rgba(15,118,110,.5)}
.setc .setc-hero-kpi::after{content:"";position:absolute;right:-30px;top:-30px;width:120px;height:120px;border-radius:50%;background:rgba(255,255,255,.08)}
.setc .setc-hero-kpi .setc-k-label{display:flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em}
.setc .setc-hero-kpi .setc-k-label svg{width:18px;height:18px}
.setc .setc-hero-kpi b{display:block;font-size:clamp(1.8rem,5vw,2.4rem);font-weight:800;letter-spacing:-.02em;margin-top:6px;font-variant-numeric:tabular-nums}
.setc .setc-hero-kpi small{display:block;font-size:.8rem;line-height:1.4}

.setc .setc-kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:18px}
.setc .setc-kpi{display:flex;align-items:center;gap:12px;padding:14px;border:1px solid var(--setc-line);border-radius:14px;background:#fff;
  transition:transform .2s,box-shadow .2s}
.setc .setc-kpi:hover{transform:translateY(-2px);box-shadow:var(--setc-shadow-hover)}
.setc .setc-ico{flex:0 0 40px;height:40px;border-radius:12px;display:grid;place-items:center}
.setc .setc-ico svg{width:20px;height:20px}
.setc .setc-ico.setc-blue{background:var(--setc-accent-soft);color:var(--setc-accent)}
.setc .setc-ico.setc-teal{background:var(--setc-teal-soft);color:var(--setc-accent-2)}
.setc .setc-ico.setc-amber{background:var(--setc-warn-soft);color:var(--setc-warn-ink)}
.setc .setc-kpi b{display:block;font-size:1.15rem;font-weight:800;font-variant-numeric:tabular-nums;line-height:1.2}
.setc .setc-kpi span{display:block;font-size:.72rem;color:var(--setc-mute);font-weight:600;text-transform:uppercase;letter-spacing:.05em}

/* Tables */
.setc .setc-table{width:100%;border-collapse:collapse;font-size:.95rem;margin:0}
.setc .setc-table caption{text-align:left;font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--setc-mute);padding:0 0 6px}
.setc .setc-table th,.setc .setc-table td{padding:10px 4px;border:0;border-bottom:1px dashed var(--setc-line);background:none}
.setc .setc-table th{text-align:left;font-weight:500;color:var(--setc-body)}
.setc .setc-table td{text-align:right;font-variant-numeric:tabular-nums;font-weight:700;white-space:nowrap}
.setc .setc-table tr.setc-minus td{color:var(--setc-good)}
.setc .setc-table tr.setc-sub th,.setc .setc-table tr.setc-sub td{font-weight:800;color:var(--setc-ink)}
.setc .setc-table tr.setc-total th,.setc .setc-table tr.setc-total td{border-bottom:0;padding-top:14px;font-size:1.06rem;font-weight:800;color:var(--setc-ink)}
.setc .setc-table tr.setc-total td{color:var(--setc-accent-2)}
.setc .setc-subhead{font-size:.95rem;font-weight:800;margin:22px 0 8px;color:var(--setc-ink)}

/* Notes */
.setc .setc-notes{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:8px}
.setc .setc-notes li{padding:10px 12px;border-radius:10px;font-size:.84rem;line-height:1.5;background:var(--setc-bg);border:1px solid var(--setc-line);color:var(--setc-body)}
.setc .setc-notes li.setc-warn{background:var(--setc-warn-soft);border-color:#fdba74;color:var(--setc-warn-ink)}
.setc .setc-notes li b{font-weight:700}
.setc .setc-dates{list-style:none;margin:8px 0 0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.setc .setc-dates li{padding:5px 10px;border-radius:999px;font-size:.8rem;border:1px solid var(--setc-line);background:#fff;color:var(--setc-body)}
.setc .setc-dates li.setc-next{border-color:var(--setc-accent);color:var(--setc-accent);font-weight:700}
.setc .setc-dates li.setc-past{color:var(--setc-mute);text-decoration:line-through}

/* DTI meter */
.setc .setc-dti-wrap{background:var(--setc-bg);border:1px solid var(--setc-line);border-radius:14px;padding:18px;margin-bottom:18px}
.setc .setc-dti-top{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:12px;flex-wrap:wrap}
.setc .setc-dti-top strong{font-size:.9rem}
.setc .setc-badge{display:inline-flex;align-items:center;gap:6px;padding:5px 12px;border-radius:999px;font-size:.8rem;font-weight:700}
.setc .setc-badge::before{content:"";width:8px;height:8px;border-radius:50%;background:currentColor}
.setc .setc-badge.setc-good{background:var(--setc-good-soft);color:var(--setc-good-ink)}
.setc .setc-badge.setc-warn{background:var(--setc-warn-soft);color:var(--setc-warn-ink)}
.setc .setc-badge.setc-bad{background:var(--setc-bad-soft);color:var(--setc-bad-ink)}
.setc .setc-badge.setc-none{background:var(--setc-line);color:var(--setc-body)}
.setc .setc-track{position:relative;height:14px;border-radius:999px;background:#e2e8f0;border:1px solid #7c8a9e}
.setc .setc-zones{position:absolute;inset:0;border-radius:999px;opacity:.22;
  background:linear-gradient(90deg,var(--setc-good) 0 60%,var(--setc-warn) 60% 71.67%,var(--setc-bad) 71.67% 100%)}
.setc .setc-fill{position:absolute;left:0;top:0;bottom:0;width:0;border-radius:999px;background:var(--setc-good);
  transition:width .8s cubic-bezier(.22,1,.36,1),background-color .4s}
.setc .setc-tick{position:absolute;top:-5px;bottom:-5px;width:2px;background:var(--setc-ink)}
.setc .setc-scale{position:relative;height:18px;margin-top:8px;font-size:.72rem;color:var(--setc-mute);font-weight:600}
.setc .setc-scale span{position:absolute;transform:translateX(-50%)}
.setc .setc-at0{left:0}.setc .setc-at36{left:60%}.setc .setc-at43{left:71.67%}.setc .setc-at100{left:100%}
.setc .setc-scale span.setc-at0{transform:none}
.setc .setc-scale span.setc-at100{transform:translateX(-100%)}
.setc .setc-self-center{align-self:center}
.setc .setc-mt12{margin-top:12px}

.setc .setc-note{font-size:.8rem;color:var(--setc-mute);margin:14px 0 0;line-height:1.5}
.setc .setc-disclaimer{display:flex;gap:10px;align-items:flex-start;background:#fff;border:1px solid var(--setc-line);border-radius:12px;padding:14px;font-size:.8rem;color:var(--setc-mute)}
.setc .setc-disclaimer svg{flex:0 0 18px;width:18px;height:18px;color:var(--setc-accent);margin-top:1px}

/* ---------- Terms gate ---------- */
.setc .setc-tool{position:relative}
.setc .setc-tool-body[inert]{filter:blur(3px);opacity:.5;pointer-events:none;user-select:none;-webkit-user-select:none}
.setc .setc-gate{position:absolute;inset:-8px;z-index:20;padding:16px;border-radius:20px;background:rgba(15,23,42,.38);-webkit-backdrop-filter:blur(2px);backdrop-filter:blur(2px)}
.setc .setc-gate-card{position:sticky;top:16px;max-width:600px;margin:0 auto;max-height:calc(100vh - 32px);max-height:calc(100dvh - 32px);overflow:auto;
  background:#fff;border-radius:16px;padding:24px;text-align:left;box-shadow:0 20px 50px -10px rgba(15,23,42,.45)}
.setc .setc-gate-top{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:14px}
.setc .setc-gate-icon{flex:0 0 40px;width:40px;height:40px;border-radius:12px;display:grid;place-items:center;background:var(--setc-accent-soft);color:var(--setc-accent)}
.setc .setc-gate-icon svg{width:22px;height:22px}
.setc .setc-gate-card .setc-lang{position:static}
.setc .setc-gate-card h3{font-size:1.25rem;font-weight:800;letter-spacing:-.01em;line-height:1.3;margin:0 0 6px;color:var(--setc-ink)}
.setc .setc-gate-card h3:focus{outline:none}
.setc .setc-gate-card h3:focus-visible{outline:2px solid var(--setc-accent);outline-offset:3px;border-radius:4px}
.setc .setc-gate-card > p{font-size:.9rem;color:var(--setc-body);margin:0 0 14px}
.setc .setc-gate-list{list-style:none;margin:0 0 16px;padding:0;display:grid;gap:10px}
.setc .setc-gate-list li{margin:0;padding:10px 12px 10px 14px;font-size:.86rem;line-height:1.55;color:var(--setc-body);background:var(--setc-bg);border-left:3px solid var(--setc-accent);border-radius:0 10px 10px 0}
.setc .setc-gate-list strong{color:var(--setc-ink)}
.setc .setc-gate-list a{color:var(--setc-accent);font-weight:600;text-decoration:underline;text-underline-offset:2px}
.setc .setc-gate-list a:focus-visible{outline:2px solid var(--setc-accent);outline-offset:2px}
.setc .setc-gate-check{display:flex;align-items:flex-start;gap:10px;margin:0;padding:12px 14px;border:1.5px solid var(--setc-field);border-radius:12px;
  font-size:.92rem;font-weight:600;color:var(--setc-ink);cursor:pointer}
.setc .setc-gate-check input{flex:0 0 20px;width:20px;height:20px;margin:1px 0 0;accent-color:var(--setc-accent);cursor:pointer}
.setc .setc-gate-check:focus-within{outline:2px solid var(--setc-accent);outline-offset:2px}
.setc .setc-gate-check input[aria-invalid=true]{outline:2px solid var(--setc-bad);outline-offset:2px}
.setc .setc-gate-msg{margin:12px 0 0;padding:12px 14px;border-radius:12px;background:var(--setc-bad-soft);border:1.5px solid var(--setc-bad);color:var(--setc-bad-ink);font-size:.88rem;font-weight:600;line-height:1.5}
.setc .setc-gate-actions{display:flex;gap:10px;margin-top:16px}
.setc .setc-gate-actions .setc-btn{flex:1 1 auto;height:50px;margin:0}
.setc .setc-btn2{flex:0 0 auto;height:50px;margin:0;padding:0 22px;border:1.5px solid var(--setc-field);border-radius:14px;background:#fff;
  font:inherit;font-size:1rem;font-weight:700;color:var(--setc-body);cursor:pointer;box-shadow:none;text-transform:none}
.setc .setc-btn2:hover{border-color:var(--setc-bad);color:var(--setc-bad-ink)}
.setc .setc-btn2:focus-visible{outline:3px solid var(--setc-ink);outline-offset:3px}
.setc .setc-footer{margin-top:18px;text-align:center}
.setc .setc-linkbtn{background:none;border:0;margin:0;padding:8px 6px;font:inherit;font-size:.82rem;color:var(--setc-mute);text-decoration:underline;text-underline-offset:2px;cursor:pointer;box-shadow:none}
.setc .setc-linkbtn:hover{color:var(--setc-accent)}
.setc .setc-linkbtn:focus-visible{outline:2px solid var(--setc-accent);outline-offset:2px;border-radius:4px}

/* Ad slot spacing (keeps ads clear of controls -> avoids accidental clicks) */
.setc .setc-ad{margin:28px 0}
.setc .setc-ad:empty{margin:20px 0}

/* ---------- Article ---------- */
.setc .setc-article{background:#fff;border:1px solid var(--setc-line);border-radius:16px;padding:32px;box-shadow:var(--setc-shadow);margin-top:28px}
.setc .setc-article h2{font-size:1.35rem;font-weight:800;letter-spacing:-.015em;line-height:1.3;margin:0 0 12px;color:var(--setc-ink)}
.setc .setc-article h2:not(:first-child){margin-top:30px;padding-top:26px;border-top:1px solid var(--setc-line)}
.setc .setc-article p{font-size:1.02rem;line-height:1.75;color:var(--setc-body);margin:0 0 16px;max-width:68ch}
.setc .setc-article a{color:var(--setc-accent);font-weight:600;text-decoration:underline;text-underline-offset:2px;text-decoration-thickness:1px}
.setc .setc-article a:hover{color:var(--setc-accent-2)}
.setc .setc-article a:focus-visible{outline:2px solid var(--setc-accent);outline-offset:2px}
.setc .setc-article .setc-legal{font-size:.85rem;color:var(--setc-mute);font-style:italic;background:var(--setc-bg);border-left:3px solid var(--setc-accent);
  padding:12px 16px;border-radius:0 10px 10px 0;margin:20px 0 0}

/* ---------- Responsive ---------- */
@media (max-width:640px){
  .setc{padding:20px 14px;border-radius:0}
  .setc .setc-lang{position:static;margin:0 0 14px}
  .setc .setc-eyebrow{max-width:100%}
  .setc .setc-gate{inset:0;padding:8px;border-radius:0}
  .setc .setc-gate-card{top:8px;padding:18px;max-height:calc(100vh - 16px);max-height:calc(100dvh - 16px)}
  .setc .setc-gate-actions{flex-direction:column}
  .setc .setc-btn2{width:100%}
  .setc .setc-card{padding:18px}
  .setc .setc-grid,.setc .setc-hero,.setc .setc-kpis{grid-template-columns:1fr}
  .setc .setc-article{padding:22px 18px}
  .setc .setc-article p{font-size:1rem}
  .setc .setc-table{font-size:.9rem}
}
@media (prefers-reduced-motion:reduce){.setc *{animation:none !important;transition:none !important}}