:root{--imf-red: #e30613;--imf-red-deep: #b30410;--imf-red-tint: #fde6e8;--imf-gold: #9f885e;--imf-gold-deep: #7d6a47;--imf-gold-tint: #efeae0;--n50:#fafaf9;--n100:#f4f3f0;--n200:#e7e5e0;--n300:#d1cec7;--n400:#a8a49b;--n500:#7a766d;--n600:#555149;--n800:#1c1b18;--fg:#000;--fg-muted:var(--n600);--fg-subtle:var(--n500);--border:var(--n200);--success:#2d8a4a;--font-sans:"Montserrat",system-ui,-apple-system,"Segoe UI",sans-serif;--font-display:"Playfair Display","Georgia",serif;--radius-md:8px;--radius-lg:14px;--radius-pill:999px;--shadow-sm:0 1px 2px rgba(10,10,9,.06),0 1px 1px rgba(10,10,9,.04);--shadow-md:0 4px 12px rgba(10,10,9,.08),0 1px 2px rgba(10,10,9,.04);--shadow-brand:0 12px 32px rgba(227,6,19,.32);--ease-out:cubic-bezier(.16,1,.3,1)}*{box-sizing:border-box;margin:0;padding:0}html{font-family:var(--font-sans);color:var(--fg)}body{background:var(--n100);font-size:16px;line-height:1.55;font-weight:500;min-height:100vh}.stage{max-width:520px;margin:0 auto;padding:16px 16px 48px}.topbar{position:sticky;top:0;z-index:10;background:#ffffffeb;backdrop-filter:blur(8px);border-bottom:1px solid var(--border)}.topbar-inner{max-width:520px;margin:0 auto;padding:10px 16px 8px;display:flex;align-items:center;justify-content:space-between;gap:12px}.topbar img{height:36px;width:auto;display:block}.navbtn{font:inherit;font-size:13px;font-weight:700;color:var(--fg);background:none;border:1.5px solid var(--n300);border-radius:var(--radius-pill);padding:7px 14px;cursor:pointer}.navbtn:hover{border-color:var(--imf-red);color:var(--imf-red)}.progress-track{height:4px;background:var(--n200)}.progress-fill{height:100%;background:var(--imf-gold);width:0%;transition:width .36s var(--ease-out)}.progress-meta{max-width:520px;margin:0 auto;padding:6px 16px 0;display:flex;justify-content:space-between;font-size:12px;color:var(--fg-subtle);font-weight:600}.stepper{max-width:520px;margin:0 auto;display:flex;justify-content:space-between;align-items:flex-start;padding:10px 10px 8px;gap:2px}.step{flex:1 1 0;min-width:0;display:flex;flex-direction:column;align-items:center;gap:6px;background:none;border:none;padding:0 1px;cursor:default}.step .dot{width:13px;height:13px;border-radius:50%;background:var(--n300);border:2px solid var(--n300);transition:all .14s}.step .lbl2{font-size:10.5px;font-weight:600;color:var(--fg-subtle);text-align:center;line-height:1.15;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:100%}.step.done .dot{background:var(--imf-gold);border-color:var(--imf-gold)}.step.done .lbl2{color:var(--fg-muted)}.step.current .dot{width:17px;height:17px;background:var(--imf-gold);border-color:var(--imf-gold);box-shadow:0 0 0 3px var(--imf-gold-tint)}.step.current .lbl2{color:var(--imf-gold-deep);font-weight:700}.step.jumpable{cursor:pointer}.step.jumpable:hover .dot{border-color:var(--imf-gold)}.step.jumpable:hover .lbl2{color:var(--imf-gold-deep)}.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);padding:28px 22px;margin-top:16px;animation:enter .36s var(--ease-out)}@keyframes enter{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}.eyebrow{font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--imf-red);margin-bottom:8px}h1{font-size:clamp(26px,6vw,34px);font-weight:700;line-height:1.15;margin-bottom:10px}h2{font-size:21px;font-weight:700;line-height:1.25;margin-bottom:6px}h3{font-size:17px;font-weight:700;line-height:1.3}.sub{color:var(--fg-muted);margin-bottom:20px}.helper{font-size:14px;color:var(--fg-subtle);margin:-2px 0 18px}.backlink{display:inline-flex;align-items:center;gap:6px;background:none;border:none;font:inherit;font-size:13px;font-weight:600;color:var(--fg-subtle);cursor:pointer;padding:4px 0;margin-bottom:14px}.backlink:hover{color:var(--imf-red)}.chips{display:flex;flex-direction:column;gap:10px}.chips.grid2{flex-direction:row;flex-wrap:wrap}.chips.grid2 .chip{flex:1 1 44%}.chip{display:flex;align-items:center;justify-content:space-between;width:100%;text-align:left;font:inherit;font-weight:600;font-size:16px;padding:15px 18px;background:#fff;color:var(--fg);border:1.5px solid var(--n300);border-radius:var(--radius-md);cursor:pointer;transition:border-color .14s,background .14s,transform .14s}.chip:hover{border-color:var(--imf-red)}.chip:active{transform:translateY(1px)}.chip:focus-visible{outline:2px solid var(--imf-red);outline-offset:2px}.chip.selected{border-color:var(--imf-red);background:var(--imf-red-tint)}.chip .arrow{color:var(--n400);font-weight:500}.chip.selected .arrow{color:var(--imf-red)}.chip.ghost{border-style:dashed;color:var(--fg-muted);font-weight:500}.chip.small{padding:11px 14px;font-size:14.5px}.slider-panel{margin-top:18px;padding:20px 18px;background:var(--n50);border:1px solid var(--border);border-radius:var(--radius-md);animation:enter .22s var(--ease-out)}.slider-value{font-family:var(--font-display);font-size:40px;line-height:1;color:var(--imf-red);text-align:center;margin-bottom:4px}.slider-caption{text-align:center;font-size:13px;color:var(--fg-subtle);margin-bottom:16px}input[type=range]{width:100%;accent-color:var(--imf-red);height:32px;cursor:pointer}.slider-bounds{display:flex;justify-content:space-between;font-size:12px;color:var(--fg-subtle);font-weight:600;margin-top:2px}.tipp-link{display:block;text-align:center;background:none;border:none;font:inherit;font-size:13.5px;font-weight:600;color:var(--fg-subtle);text-decoration:underline;cursor:pointer;margin:16px auto 0}.tipp-link:hover{color:var(--imf-red)}.tipp-panel{margin-top:18px;animation:enter .22s var(--ease-out)}.btn{display:block;width:100%;text-align:center;font:inherit;font-weight:700;font-size:16px;padding:15px 20px;border-radius:var(--radius-md);cursor:pointer;border:none;transition:background .14s,transform .14s}.btn:active{transform:translateY(1px)}.btn:focus-visible{outline:2px solid var(--imf-red);outline-offset:2px}.btn-primary{background:var(--imf-red);color:#fff;box-shadow:var(--shadow-brand)}.btn-primary:hover{background:var(--imf-red-deep)}.btn-secondary{background:none;border:1.5px solid var(--n300);color:var(--fg);box-shadow:none}.btn-secondary:hover{border-color:var(--imf-red);color:var(--imf-red)}.btn+.btn{margin-top:10px}.btn-confirm{margin-top:16px}.field{margin-bottom:14px}.field label{display:block;font-size:13px;font-weight:600;margin-bottom:5px}.field label .opt{font-weight:500;color:var(--fg-subtle)}.field input,.field textarea{width:100%;font:inherit;font-size:16px;padding:13px 14px;border:1.5px solid var(--n300);border-radius:var(--radius-md);background:#fff}.field input:focus-visible,.field textarea:focus-visible{outline:2px solid var(--imf-red);outline-offset:1px;border-color:var(--imf-red)}.field input.invalid{border-color:var(--imf-red);background:var(--imf-red-tint)}.field-row{display:flex;gap:10px}.field-row .field{flex:1}.field-row .field.narrow{flex:0 0 34%}.field-error{color:var(--imf-red);font-size:13px;font-weight:600;margin:4px 0 12px}.field .msg{color:var(--imf-red);font-size:12.5px;font-weight:600;margin-top:4px}.choice-label{font-size:13px;font-weight:600;margin:4px 0 8px}.credit-card{border:1px solid var(--border);border-radius:var(--radius-md);padding:16px 16px 4px;margin-bottom:12px;background:var(--n50)}.credit-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px;font-weight:700;font-size:15px}.credit-remove{background:none;border:none;font:inherit;font-size:12.5px;font-weight:700;color:var(--fg-subtle);cursor:pointer;padding:0}.credit-remove:hover{color:var(--imf-red)}.credit-msg{color:var(--imf-red);font-size:12.5px;font-weight:600;margin:4px 0 12px}.overlay{position:fixed;inset:0;background:#0a0a0973;z-index:20;display:flex;justify-content:center;align-items:flex-start;padding:24px 16px}.overlay-panel{background:#fff;border-radius:var(--radius-lg);box-shadow:var(--shadow-md);max-width:420px;width:100%;padding:22px;animation:enter .22s var(--ease-out)}.overlay-panel h3{margin-bottom:14px}.chapter-row{display:flex;align-items:center;justify-content:space-between;width:100%;font:inherit;font-weight:600;font-size:15px;padding:12px 6px;background:none;border:none;border-bottom:1px solid var(--border);cursor:pointer;text-align:left}.chapter-row:hover{color:var(--imf-red)}.chapter-row .status{font-size:12.5px;font-weight:600;color:var(--fg-subtle)}.chapter-row .status.done{color:var(--success)}.overlay-close{margin-top:16px}.sum-chapter{margin-top:20px}.sum-chapter h3{padding-bottom:6px;border-bottom:2px solid var(--n800);margin-bottom:2px}.sum-row{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:10px 0;border-bottom:1px solid var(--border)}.sum-row .stack{flex:1;min-width:0}.sum-row .lbl{display:block;color:var(--fg-subtle);font-size:12.5px;font-weight:600}.sum-row .val{display:block;font-weight:700;font-size:15px;overflow-wrap:anywhere}.sum-edit{background:none;border:none;font:inherit;font-size:12.5px;font-weight:700;color:var(--imf-red);cursor:pointer;padding:0;flex:0 0 auto}.consent{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:var(--fg-muted);margin:18px 0 14px}.consent input{margin-top:3px;accent-color:var(--imf-red);width:16px;height:16px;flex:0 0 auto}.consent a{color:inherit;text-decoration:underline}.consent a:hover{color:var(--imf-red)}.consent-warn{color:var(--imf-red);font-size:13px;font-weight:600;margin-bottom:10px}.trustline{font-size:13px;color:var(--fg-subtle);font-weight:600;text-align:center;margin-top:14px}.success-box{text-align:center;padding:26px 10px 10px}.success-box .big{font-size:20px;font-weight:700;margin-bottom:8px}.success-box p{color:var(--fg-muted);font-size:15px;margin-bottom:10px}.protofoot{text-align:center;font-size:12px;color:var(--n400);margin-top:22px;font-weight:600;line-height:1.9}.protofoot a{color:var(--fg-subtle)}.protofoot a:hover{color:var(--imf-red)}#cobrand{display:none;flex-direction:column;align-items:center;gap:10px;padding:18px 0 4px;text-align:center}#cobrand .kloop{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--fg-subtle)}#cobrand .logos{display:flex;align-items:center;justify-content:center;gap:22px}#cobrand .logos img{height:58px;width:auto;display:block}#cobrand .logos .x{font-family:var(--font-display);font-size:24px;color:var(--imf-gold);line-height:1}.req{color:var(--imf-red);font-weight:700}