:root {
  --ink: #1A2E4A;      /* brand navy, shared with privatedebtseminar.de */
  --gold: #B8972A;     /* brand rule colour */
  --paper: #FFFFFF;
  --mist: #F2F4F7;
  --slate: #586273;
  --rule: #D9DFE7;
  --serif: Georgia, "Times New Roman", serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
}
* { box-sizing: border-box; margin: 0; }
html { -webkit-text-size-adjust: 100%; }
body { font-family: var(--sans); font-size: 17px; line-height: 1.6; color: var(--ink); background: var(--paper); }
a { color: var(--ink); text-underline-offset: 3px; }
a:hover { color: #0F1D30; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
img, svg { max-width: 100%; height: auto; display: block; }

/* header */
.site-header { background: var(--ink); border-bottom: 3px solid var(--gold); }
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 24px; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; padding-top: 16px; padding-bottom: 16px; }
.brand { color: #fff; text-decoration: none; font-family: var(--serif); font-size: 1.3rem; letter-spacing: .01em; }
.brand:hover { color: #fff; }
.nav { display: flex; gap: 22px; flex-wrap: wrap; }
.nav a { color: #fff; opacity: .85; text-decoration: none; font-size: .95rem; padding: 4px 0; border-bottom: 2px solid transparent; }
.nav a:hover { opacity: 1; }
.nav a[aria-current="page"] { opacity: 1; border-bottom-color: var(--gold); }

/* content */
main { padding: 56px 0 80px; }
h1, h2, h3 { font-family: var(--serif); font-weight: 400; line-height: 1.25; }
h1 { font-size: clamp(2rem, 4.2vw, 2.9rem); max-width: 24ch; margin-bottom: 20px; }
h2 { font-size: 1.6rem; margin: 56px 0 14px; }
h3 { font-size: 1.2rem; margin: 28px 0 8px; }
p, ul, ol { max-width: 68ch; margin-bottom: 14px; }
ul, ol { padding-left: 22px; }
li { margin-bottom: 6px; }
.lede { font-size: 1.2rem; color: var(--slate); max-width: 60ch; margin-bottom: 28px; }
code { font-family: Consolas, "SFMono-Regular", Menlo, monospace; font-size: .9em; background: var(--mist); padding: 1px 5px; border-radius: 3px; }
pre { background: var(--ink); color: #E8EDF3; padding: 18px 20px; border-radius: 4px; overflow-x: auto; font-size: .88rem; line-height: 1.55; margin: 12px 0 20px; max-width: 100%; }
pre code { background: none; padding: 0; color: inherit; }

/* actions */
.actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 8px 0 8px; }
.btn { display: inline-block; padding: 11px 20px; border-radius: 3px; text-decoration: none; font-weight: 600; font-size: .98rem; border: 2px solid var(--ink); }
.btn-primary { background: var(--ink); color: #fff; }
.btn-primary:hover { background: #0F1D30; color: #fff; }
.btn-secondary { color: var(--ink); background: transparent; }
.btn-secondary:hover { background: var(--mist); }

/* figures: the hero is a paper-style figure */
figure { margin: 40px 0 8px; }
figure img { border: 1px solid var(--rule); background: #fff; }
figcaption { font-size: .92rem; color: var(--slate); margin-top: 10px; max-width: 80ch; }
figcaption b { color: var(--ink); font-weight: 600; }

/* key facts as a quiet definition list */
.facts { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 0; border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); margin: 40px 0; }
.facts div { padding: 18px 20px 18px 0; }
.facts dt { font-size: .9rem; color: var(--slate); }
.facts dd { font-family: var(--serif); font-size: 1.35rem; margin: 2px 0 0; font-variant-numeric: tabular-nums; }

/* tables */
.table-wrap { overflow-x: auto; margin: 16px 0 24px; }
table { border-collapse: collapse; width: 100%; font-size: .95rem; font-variant-numeric: tabular-nums; }
th, td { text-align: left; padding: 10px 14px 10px 0; border-bottom: 1px solid var(--rule); vertical-align: top; }
th { font-weight: 600; border-bottom: 2px solid var(--ink); white-space: nowrap; }
td code { white-space: nowrap; }

.note { background: var(--mist); border-left: 4px solid var(--gold); padding: 14px 18px; margin: 20px 0; max-width: 68ch; }
.note p:last-child { margin-bottom: 0; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
@media (max-width: 760px) { .two-col { grid-template-columns: 1fr; gap: 0; } main { padding-top: 36px; } .nav { gap: 14px; } .nav a { font-size: .9rem; } .facts dd { font-size: 1.15rem; } }

/* footer */
.site-footer { border-top: 1px solid var(--rule); padding: 24px 0 40px; font-size: .9rem; color: var(--slate); }
.site-footer .wrap { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.site-footer a { color: var(--slate); }
.site-footer nav { display: flex; gap: 18px; flex-wrap: wrap; }

/* legal pages */
.legal h2 { font-size: 1.25rem; margin: 34px 0 10px; padding-top: 18px; border-top: 1px solid var(--rule); }
.legal .stand { color: var(--slate); font-size: .88rem; margin-top: 40px; }

@media (prefers-reduced-motion: reduce) { * { scroll-behavior: auto !important; } }

/* analysis page */
.tabs { display: flex; gap: 4px; border-bottom: 1px solid var(--rule); margin: 8px 0 24px; flex-wrap: wrap; }
.tabs [role=tab] { font: inherit; font-family: var(--serif); font-size: 1.15rem; color: var(--slate); background: none; border: 0; border-bottom: 3px solid transparent; padding: 10px 16px 10px 0; margin-right: 16px; cursor: pointer; }
.tabs [role=tab][aria-selected=true] { color: var(--ink); border-bottom-color: var(--gold); }
.controls, .period { display: flex; flex-wrap: wrap; gap: 14px 18px; margin-bottom: 14px; align-items: flex-end; }
.controls label, .period label { display: flex; flex-direction: column; font-size: .85rem; color: var(--slate); gap: 4px; }
select, input[type=month] { font: inherit; font-size: .95rem; color: var(--ink); background: #fff; border: 1px solid var(--rule); border-radius: 3px; padding: 7px 10px; min-width: 150px; }
.quick { display: flex; }
.quick button { font: inherit; font-size: .9rem; background: #fff; color: var(--ink); border: 1px solid var(--rule); padding: 8px 14px; cursor: pointer; margin-left: -1px; }
.quick button:first-child { border-radius: 3px 0 0 3px; margin-left: 0; }
.quick button:last-child { border-radius: 0 3px 3px 0; }
.quick button:hover { background: var(--mist); }
.chart-box { border: 1px solid var(--rule); padding: 14px 16px 6px; margin: 10px 0 20px; position: relative; }
.chart { position: relative; min-height: 260px; color: var(--slate); }
.legend { display: flex; gap: 20px; font-size: .9rem; color: var(--slate); margin-bottom: 6px; flex-wrap: wrap; }
.legend i { display: inline-block; width: 18px; height: 3px; vertical-align: middle; margin-right: 6px; }
.chart-tip { position: absolute; background: #fff; border: 1px solid var(--rule); box-shadow: 0 2px 8px rgba(26,46,74,.12); padding: 8px 10px; font-size: .85rem; line-height: 1.45; pointer-events: none; width: 210px; }
table.stats td:not(:first-child), table.stats th:not(:first-child) { text-align: right; }