:root{--navy:#1e3a5f;--navy-d:#152b47;--teal:#2a9d8f;--teal-d:#1f7d72;--teal-text:#1f7d72;--teal-btn:#1f7d72;--teal-btn-hover:#196257;--amber:#e9a13b;--amber-d:#b9791f;--cream:#f7f5f0;--white:#fff;--ink:#233240;--muted:#5a6b78;--line:#e2e8ee;--miss:#e26d5c;--error:#a33f30;--ok-bg:#e3f4f2;--ok-fg:#1a6a61;--warn-bg:#fdf1dd;--warn-fg:#8a5610;--miss-bg:#fbe7e3;--miss-fg:#a33f30;--font-sans:"Segoe UI","Source Sans 3",system-ui,sans-serif;--font-serif:Georgia,"Times New Roman",serif;--s1:8px;--s2:16px;--s3:24px;--s4:32px;--s5:48px;--s6:72px;color-scheme:light}:root[data-theme=dark]{--navy:#8fb6d9;--navy-d:#b9d2e8;--teal:#2a9d8f;--teal-d:#1f7d72;--teal-text:#6fd6c8;--amber:#e9a13b;--amber-d:#f0b968;--cream:#14202e;--white:#1d2c3d;--ink:#eaf0f5;--muted:#a6b7c6;--line:#33475b;--miss:#f08a7a;--error:#f2a99d;--ok-bg:#123b36;--ok-fg:#7fe0d2;--warn-bg:#3a2f18;--warn-fg:#f0c07a;--miss-bg:#3d1f1b;--miss-fg:#f2a99d;color-scheme:dark}@media (prefers-color-scheme:dark){:root:not([data-theme=light]){--navy:#8fb6d9;--navy-d:#b9d2e8;--teal:#2a9d8f;--teal-d:#1f7d72;--teal-text:#6fd6c8;--amber:#e9a13b;--amber-d:#f0b968;--cream:#14202e;--white:#1d2c3d;--ink:#eaf0f5;--muted:#a6b7c6;--line:#33475b;--miss:#f08a7a;--error:#f2a99d;--ok-bg:#123b36;--ok-fg:#7fe0d2;--warn-bg:#3a2f18;--warn-fg:#f0c07a;--miss-bg:#3d1f1b;--miss-fg:#f2a99d;color-scheme:dark}}*{box-sizing:border-box}html{font-size:100%}html[data-text-size=lg] #main,html[data-text-size=lg] .liability-fence{zoom:1.15}html[data-text-size=xl] #main,html[data-text-size=xl] .liability-fence{zoom:1.35}html[data-text-size=xxl] #main,html[data-text-size=xxl] .liability-fence{zoom:1.6}body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--font-sans);font-size:18px;line-height:1.6}h1,h2{font-family:var(--font-serif);line-height:1.1}h1{font-size:clamp(37px,5vw,48px)}h2{font-size:37px}h3{font-family:var(--font-sans);font-size:19px}:focus-visible{outline:3px solid var(--teal-d);outline-offset:2px}.skip-link{position:absolute;left:-9999px;top:0;background:var(--white);color:var(--ink);padding:var(--s2);z-index:100}.skip-link:focus{left:var(--s2)}a{color:var(--teal-text)}a:hover{text-decoration:underline}.btn,a.btn,button{min-height:44px;font-size:16px;font-weight:700;border-radius:10px;padding:10px var(--s3);cursor:pointer;max-width:100%}body,html{overflow-x:hidden}.a11y-bar{max-width:100%}fieldset{min-width:0}.btn-primary{background:var(--teal-btn);color:#fff;border:none}.btn-primary:hover{background:var(--teal-btn-hover);color:#fff}.btn-ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}.card{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:var(--s3)}.pill{display:inline-block;border-radius:999px;padding:4px 14px;font-weight:700;font-size:15px}.pill-ok{background:var(--ok-bg);color:var(--ok-fg)}.pill-warn{background:var(--warn-bg);color:var(--warn-fg)}.pill-miss{background:var(--miss-bg);color:var(--miss-fg)}.pill-neutral{background:var(--line);color:var(--ink)}@keyframes pulse-fade{0%,to{opacity:1}50%{opacity:.7}}.pulsing{animation:pulse-fade 1.4s ease-in-out infinite}.indeterminate-bar{position:relative;height:8px;background:var(--line);border-radius:999px;overflow:hidden}@keyframes indeterminate-sweep{0%{left:-40%}to{left:100%}}.indeterminate-bar:after{content:"";position:absolute;top:0;left:-40%;height:100%;width:40%;background:var(--teal);border-radius:999px;animation:indeterminate-sweep 1.2s ease-in-out infinite}@media print{.no-print{display:none!important}}.site-header{background:var(--white);border-bottom:1px solid var(--line)}.site-header-inner{max-width:1080px;margin:0 auto;padding:var(--s2) var(--s3);display:flex;flex-wrap:wrap;align-items:center;gap:var(--s2) var(--s3);justify-content:space-between}.brand{font-family:var(--font-serif);font-size:20px;font-weight:700;color:var(--ink);text-decoration:none;white-space:nowrap}.brand:focus-visible{outline-offset:4px}.site-nav{display:flex;flex-wrap:wrap;gap:2px var(--s1);align-items:center}.site-nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:16px;padding:10px 12px;border-radius:8px;min-height:44px;display:inline-flex;align-items:center}.site-nav a:hover{background:var(--line)}.site-nav a[aria-current=page]{color:var(--teal-text);text-decoration:underline;text-underline-offset:4px}.a11y-bar{display:flex;gap:var(--s1)}.a11y-bar,.a11y-group{flex-wrap:wrap;align-items:center}.a11y-group{display:inline-flex;gap:4px;border:1px solid var(--line);border-radius:10px;padding:4px;max-width:100%}.a11y-group>.a11y-label{font-size:13px;font-weight:700;color:var(--ink);padding:0 6px}.a11y-btn{min-height:44px;min-width:44px;padding:6px 10px;font-size:15px;font-weight:700;border-radius:8px;border:1px solid var(--line);background:var(--white);color:var(--ink);cursor:pointer;display:inline-flex;align-items:center;gap:6px}.a11y-btn:hover{background:var(--line)}.a11y-btn[aria-pressed=true]{background:var(--teal-btn);color:#fff;border-color:var(--teal-btn-hover)}.voice-btn{min-height:44px;min-width:44px;padding:8px 12px;border-radius:10px;border:1px solid var(--line);background:var(--white);color:var(--ink);cursor:pointer;font-size:15px;font-weight:700;display:inline-flex;align-items:center;gap:8px}.voice-btn:hover{background:var(--line)}.voice-btn.listening{background:var(--miss-bg);border-color:var(--miss);color:var(--miss-fg)}.voice-dot{width:12px;height:12px;border-radius:50%;background:var(--miss);display:inline-block}.voice-btn.listening .voice-dot{animation:pulse-fade 1s ease-in-out infinite}.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}@media print{.a11y-bar,.no-print,.site-header{display:none!important}}@media (prefers-reduced-motion:reduce){*,:after,:before{animation:none!important;transition:none!important}.indeterminate-bar:after{left:0!important;width:100%!important}}.back-to-top{position:fixed;right:var(--s3);bottom:var(--s3);z-index:40;width:48px;height:48px;min-width:48px;border-radius:999px;border:1px solid var(--line);background:var(--teal-btn);color:#fff;font-size:22px;line-height:1;display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 1px 2px rgba(0,0,0,.18),0 4px 12px rgba(0,0,0,.14)}.back-to-top:hover{background:var(--teal-btn-hover)}@media (max-width:420px){.back-to-top{right:12px;bottom:12px}}@media print{.back-to-top{display:none}}.worksheet-table{width:100%;border-collapse:collapse}.worksheet-table caption{text-align:left}@media (min-width:60rem){.worksheet-table{min-width:48rem}}@media (max-width:59.99rem){.worksheet-table,.worksheet-table tbody{display:block;width:100%;max-width:100%}.worksheet-table td,.worksheet-table th{max-width:100%;min-width:0}.worksheet-table input,.worksheet-table select{box-sizing:border-box;min-width:0;max-width:100%}.worksheet-table thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.worksheet-table tr{display:block;border:1px solid var(--line);border-radius:12px;padding:var(--s3);margin-bottom:var(--s3)}.worksheet-table td,.worksheet-table th{display:block;width:auto;padding:6px 0;text-align:left!important}.worksheet-table td[data-label]:before{content:attr(data-label);display:block;font-weight:600;margin-bottom:4px}.worksheet-table tr.worksheet-section,.worksheet-table tr.worksheet-subtotal{border:0;padding:0;margin-bottom:var(--s2)}}.totals-table{width:100%;max-width:min(34rem,100%);border-collapse:collapse;table-layout:fixed}.totals-table td,.totals-table th{overflow-wrap:anywhere}