:root {
  --navy: #102f34;
  --navy-2: #173f45;
  --ink: #172a2d;
  --muted: #5e6d6f;
  --line: #d8dfdc;
  --line-strong: #bcc9c5;
  --paper: #ffffff;
  --canvas: #f5f7f3;
  --cream: #f2eee2;
  --mint: #d9eee4;
  --keep: #08734e;
  --loss: #ac3d32;
  --gold: #d89a38;
  --shadow: 0 18px 50px rgba(16, 47, 52, 0.09);
  --radius: 18px;
  --sans: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --serif: Georgia, "Times New Roman", serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--canvas); color: var(--ink); font: 16px/1.62 var(--sans); -webkit-font-smoothing: antialiased; }
a { color: var(--keep); text-underline-offset: 3px; }
a:hover { color: var(--navy); }
button, input, select { font: inherit; }
button { cursor: pointer; }
.skip-link { position: fixed; z-index: 100; left: 16px; top: -100px; background: var(--paper); color: var(--navy); padding: 10px 14px; border-radius: 8px; box-shadow: var(--shadow); }
.skip-link:focus { top: 12px; }
.site-header { position: sticky; top: 0; z-index: 20; background: rgba(245, 247, 243, 0.94); border-bottom: 1px solid rgba(188, 201, 197, 0.75); backdrop-filter: blur(16px); }
.header-inner, main, .footer-inner { width: min(1120px, calc(100% - 40px)); margin-inline: auto; }
.header-inner { min-height: 70px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo { display: inline-flex; align-items: center; gap: 10px; color: var(--navy); text-decoration: none; font-weight: 800; letter-spacing: -0.035em; }
.logo-mark { width: 34px; height: 34px; display: grid; place-items: center; border-radius: 10px; background: var(--navy); color: #fff; font-size: 0.82rem; letter-spacing: -0.06em; }
.site-nav { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 6px; }
.site-nav a { padding: 8px 10px; border-radius: 8px; color: var(--muted); text-decoration: none; font-size: 0.9rem; font-weight: 650; }
.site-nav a:hover, .site-nav a[aria-current="page"] { background: var(--paper); color: var(--navy); }
main { padding-block: 44px 72px; }
.hero { position: relative; overflow: hidden; padding: clamp(32px, 6vw, 66px); border-radius: 26px; background: var(--navy); color: #fff; }
.hero::after { content: "%"; position: absolute; right: clamp(18px, 6vw, 70px); top: 50%; transform: translateY(-53%); font: 800 clamp(9rem, 23vw, 18rem)/1 var(--serif); color: rgba(217, 238, 228, 0.075); }
.hero-copy { position: relative; z-index: 1; max-width: 720px; }
.eyebrow { margin: 0 0 14px; color: var(--keep); font-size: 0.76rem; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; }
.hero .eyebrow { color: #9dd8bc; }
h1, h2, h3 { color: var(--navy); letter-spacing: -0.035em; line-height: 1.12; }
h1 { margin: 0 0 16px; font-size: clamp(2.25rem, 6vw, 4.65rem); }
h2 { margin: 2.6rem 0 0.8rem; font-size: clamp(1.55rem, 3vw, 2.15rem); }
h3 { margin: 0 0 0.5rem; font-size: 1.06rem; }
.hero h1 { color: #fff; max-width: 760px; }
.hero .lead { color: #d7e3df; }
.lead { margin: 0; max-width: 720px; color: var(--muted); font: 1.22rem/1.58 var(--serif); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 46px; padding: 10px 16px; border: 1px solid var(--navy); border-radius: 10px; background: var(--navy); color: #fff; text-decoration: none; font-weight: 750; }
.button:hover { background: var(--navy-2); color: #fff; }
.button-light { border-color: #fff; background: #fff; color: var(--navy); }
.button-light:hover { background: var(--mint); color: var(--navy); }
.button-ghost { border-color: rgba(255,255,255,.28); background: transparent; color: #fff; }
.button-ghost:hover { background: rgba(255,255,255,.1); }
.trust-strip { display: grid; grid-template-columns: repeat(3, 1fr); border: 1px solid var(--line); border-radius: 0 0 18px 18px; background: var(--paper); }
.trust-item { padding: 18px 22px; border-right: 1px solid var(--line); }
.trust-item:last-child { border-right: 0; }
.trust-item strong { display: block; color: var(--navy); font-size: 0.95rem; }
.trust-item span { color: var(--muted); font-size: 0.82rem; }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 24px; margin-top: 56px; }
.section-heading h2 { margin: 0; }
.section-heading p { max-width: 520px; margin: 0; color: var(--muted); }
.grid { display: grid; gap: 18px; }
.tool-grid { grid-template-columns: repeat(2, 1fr); margin-top: 22px; }
.card { position: relative; display: block; padding: 24px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper); color: inherit; text-decoration: none; box-shadow: 0 1px 0 rgba(16, 47, 52, 0.03); transition: transform .18s ease, border-color .18s ease, box-shadow .18s ease; }
.card:hover { transform: translateY(-3px); border-color: var(--line-strong); box-shadow: var(--shadow); color: inherit; }
.card-kicker { color: var(--keep); font-size: 0.74rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.card h2, .card h3 { margin: 12px 0 7px; }
.card p { margin: 0; color: var(--muted); }
.card-arrow { display: inline-block; margin-top: 18px; color: var(--navy); font-weight: 800; }
.guide-grid { grid-template-columns: repeat(3, 1fr); margin-top: 22px; }
.page-head { max-width: 790px; margin-bottom: 30px; }
.page-head h1 { font-size: clamp(2.15rem, 5vw, 3.7rem); }
.verified { display: inline-flex; align-items: center; gap: 7px; margin-top: 18px; padding: 7px 11px; border: 1px solid #b6d7c7; border-radius: 999px; background: var(--mint); color: #155e43; font-size: 0.8rem; font-weight: 750; }
.verified::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--keep); }
.calculator-shell { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(320px, .95fr); gap: 22px; align-items: start; }
.calc, .result { border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper); box-shadow: 0 8px 28px rgba(16, 47, 52, .05); }
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 15px; padding: 24px; }
.calc-title { grid-column: 1 / -1; display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-bottom: 2px; }
.calc-title h2 { margin: 0; font-size: 1.3rem; }
.calc-title button { border: 0; background: transparent; color: var(--keep); font-size: .85rem; font-weight: 750; }
label { display: grid; gap: 6px; color: var(--navy); font-size: .82rem; font-weight: 720; }
label small { color: var(--muted); font-weight: 500; line-height: 1.35; }
.span-2 { grid-column: 1 / -1; }
.money-field { position: relative; }
.money-field::before { content: "$"; position: absolute; left: 13px; top: 50%; transform: translateY(-50%); color: var(--muted); }
.money-field input { padding-left: 28px; }
input, select { width: 100%; min-height: 46px; padding: 9px 11px; border: 1px solid var(--line-strong); border-radius: 9px; background: #fff; color: var(--ink); }
input:focus, select:focus { outline: 3px solid rgba(8, 115, 78, .17); border-color: var(--keep); }
.check { grid-column: 1 / -1; display: flex; align-items: flex-start; gap: 9px; font-weight: 600; }
.check input { width: 18px; min-height: 18px; margin-top: 3px; accent-color: var(--keep); }
.result { position: sticky; top: 92px; overflow: hidden; }
.result-top { padding: 26px; background: var(--navy); color: #fff; }
.result-label { margin: 0 0 3px; color: #bdd2cc; font-size: .76rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.total { margin: 0; font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 820; letter-spacing: -.05em; }
.total.keep { color: #8fe0b8; }
.total.loss { color: #ffaaa1; }
.margin-line { margin: 4px 0 0; color: #d8e4e0; }
.result-body { padding: 22px 26px 26px; }
.result dl { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 9px 16px; margin: 0; }
.result dt { color: var(--muted); }
.result dd { margin: 0; color: var(--navy); text-align: right; font-variant-numeric: tabular-nums; font-weight: 700; }
.result-summary { display: flex; justify-content: space-between; gap: 16px; margin-top: 18px; padding-top: 16px; border-top: 1px solid var(--line); font-weight: 800; }
.result-summary span:last-child { font-variant-numeric: tabular-nums; }
.result-summary-secondary { margin-top: 16px; color: var(--muted); font-weight: 650; }
.result-error { padding: 26px; color: var(--loss); font-weight: 700; }
.decision-tools { display: grid; grid-template-columns: 1.25fr .75fr; gap: 18px; margin-top: 24px; }
.decision-panel { padding: 22px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper); }
.decision-panel h2 { margin: 0 0 6px; font-size: 1.25rem; }
.decision-panel > p { margin: 0 0 16px; color: var(--muted); font-size: .9rem; }
.scenario-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 9px; }
.scenario { padding: 14px; border-radius: 12px; background: #edf2ef; }
.scenario span, .scenario small { display: block; color: var(--muted); font-size: .76rem; }
.scenario strong { display: block; margin: 5px 0 2px; font-size: 1.25rem; }
.target-control { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; align-items: end; }
.decision-stack { display: grid; gap: 10px; }
.target-result { padding: 13px 14px; border-radius: 12px; background: var(--navy); color: #fff; }
.target-result span, .target-result small { display: block; color: #bdd2cc; font-size: .75rem; }
.target-result strong { display: block; margin: 2px 0; color: #8fe0b8; font-size: 1.45rem; }
.compare-shell { display: grid; grid-template-columns: minmax(320px, .8fr) minmax(0, 1.2fr); gap: 22px; align-items: start; }
.compare-form { position: sticky; top: 92px; }
.calc-subhead { grid-column: 1 / -1; margin: 8px 0 -3px; padding-top: 14px; border-top: 1px solid var(--line); color: var(--navy); font-size: .92rem; }
.compare-results { display: grid; gap: 14px; }
.compare-summary { padding: 18px 20px; border-radius: 14px; background: var(--navy); color: #fff; }
.compare-summary span, .compare-summary small { display: block; color: #bdd2cc; font-size: .78rem; }
.compare-summary strong { display: block; margin: 3px 0; color: #8fe0b8; font-size: 1.35rem; }
.compare-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.compare-card { position: relative; padding: 20px; border: 1px solid var(--line); border-radius: 15px; background: var(--paper); }
.compare-card.best { border-color: #72b997; box-shadow: 0 10px 30px rgba(8, 115, 78, .1); }
.best-badge { display: inline-block; margin-bottom: 12px; padding: 4px 8px; border-radius: 999px; background: var(--mint); color: var(--keep); font-size: .68rem; font-weight: 800; }
.compare-card h2 { margin: 8px 0 0; }
.compare-profit.keep { color: var(--keep); }
.compare-profit.loss { color: var(--loss); }
.compare-margin { margin: 2px 0 15px; color: var(--muted); font-size: .78rem; }
.compare-card dl { display: grid; gap: 7px; margin: 0 0 14px; }
.compare-card dl div { display: flex; justify-content: space-between; gap: 12px; padding-bottom: 7px; border-bottom: 1px solid var(--line); }
.compare-card dt { color: var(--muted); font-size: .75rem; }
.compare-card dd { margin: 0; color: var(--navy); font-size: .78rem; font-weight: 750; }
.compare-note, .compare-error { min-height: 3.8em; color: var(--muted); font-size: .78rem; }
.compare-error { color: var(--loss); }
.compare-card a { font-size: .8rem; font-weight: 750; }
.content { max-width: 800px; }
.content > p, .content > ul, .content > ol { font-family: var(--serif); font-size: 1.08rem; }
.content h2 { padding-top: .45rem; }
.content h3 { margin-top: 1.75rem; }
.content li + li { margin-top: .5rem; }
.formula { margin: 22px 0; padding: 18px 20px; border-left: 4px solid var(--gold); border-radius: 0 12px 12px 0; background: var(--cream); color: var(--navy); font-weight: 760; }
.note { margin: 22px 0; padding: 16px 18px; border: 1px solid var(--line); border-radius: 12px; background: var(--paper); color: var(--muted); }
.table-wrap { overflow-x: auto; margin: 18px 0 26px; border: 1px solid var(--line); border-radius: 14px; background: var(--paper); }
table { width: 100%; border-collapse: collapse; font-size: .92rem; }
th, td { padding: 12px 14px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
tr:last-child td { border-bottom: 0; }
th { background: #edf2ef; color: var(--navy); font-size: .74rem; letter-spacing: .06em; text-transform: uppercase; }
.examples { grid-template-columns: 1fr 1fr; margin-top: 16px; }
.example { padding: 20px; border-radius: 14px; background: var(--paper); border: 1px solid var(--line); }
.example strong { color: var(--navy); }
.example p { margin-bottom: 0; color: var(--muted); }
.faq { margin-top: 24px; }
.faq details { border-top: 1px solid var(--line); padding: 16px 0; }
.faq details:last-child { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; color: var(--navy); font-weight: 760; }
.faq p { margin-bottom: 0; color: var(--muted); }
.source-list { padding-left: 1.15rem; }
.source-list li + li { margin-top: .55rem; }
.site-footer { padding: 34px 0 50px; border-top: 1px solid var(--line); background: #edf1ed; }
.footer-inner { display: grid; grid-template-columns: 1.3fr .7fr; gap: 28px; }
.footer-brand { max-width: 600px; color: var(--muted); font-size: .9rem; }
.footer-links { display: flex; flex-wrap: wrap; justify-content: flex-end; align-content: start; gap: 8px 16px; }
.footer-links a { color: var(--muted); font-size: .86rem; }
.footer-links button { align-self: start; padding: 0; border: 0; background: transparent; color: var(--muted); font-size: .86rem; text-decoration: underline; text-underline-offset: 3px; }
.footer-links button:hover { color: var(--navy); }
.consent-banner { position: fixed; z-index: 50; right: 20px; bottom: 20px; left: 20px; display: flex; align-items: center; justify-content: space-between; gap: 24px; width: min(920px, calc(100% - 40px)); margin-inline: auto; padding: 20px; border: 1px solid var(--line-strong); border-radius: 16px; background: var(--paper); box-shadow: 0 20px 60px rgba(16, 47, 52, .22); }
.consent-banner strong { display: block; color: var(--navy); }
.consent-banner p { margin: 4px 0; color: var(--muted); font-size: .9rem; line-height: 1.5; }
.consent-banner a { font-size: .82rem; }
.consent-actions { display: flex; flex: 0 0 auto; gap: 8px; }
.consent-actions .button { white-space: nowrap; }
.consent-decline { border-color: var(--line-strong); background: var(--paper); color: var(--navy); }
.consent-decline:hover { background: var(--canvas); color: var(--navy); }
.caption, .muted { color: var(--muted); font-size: .88rem; }
@media (max-width: 840px) {
  .header-inner { align-items: flex-start; flex-direction: column; gap: 8px; padding-block: 14px; }
  .site-nav { justify-content: flex-start; margin-left: -8px; }
  .site-header { position: relative; }
  .hero { border-radius: 20px; }
  .trust-strip, .tool-grid, .guide-grid, .calculator-shell, .compare-shell, .footer-inner { grid-template-columns: 1fr; }
  .decision-tools { grid-template-columns: 1fr; }
  .trust-item { border-right: 0; border-bottom: 1px solid var(--line); }
  .trust-item:last-child { border-bottom: 0; }
  .result { position: static; }
  .compare-form { position: static; }
  .footer-links { justify-content: flex-start; }
  .consent-banner { align-items: stretch; flex-direction: column; gap: 14px; }
}
@media (max-width: 560px) {
  .header-inner, main, .footer-inner { width: min(100% - 28px, 1120px); }
  main { padding-top: 28px; }
  .logo-mark { width: 30px; height: 30px; }
  .site-nav { gap: 2px; }
  .site-nav a { padding: 6px 8px; font-size: .83rem; }
  .hero { padding: 28px 22px; }
  .hero::after { right: -10px; opacity: .7; }
  .section-heading { align-items: start; flex-direction: column; gap: 8px; }
  .calc { grid-template-columns: 1fr; padding: 18px; }
  .calc > *, .span-2, .check, .calc-title { grid-column: 1; }
  .examples { grid-template-columns: 1fr; }
  .scenario-grid, .target-control, .compare-grid { grid-template-columns: 1fr; }
  .card { padding: 20px; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .card { transition: none; } }