:root {
  --ink: #102033;
  --ink-soft: #4a5b70;
  --paper: #f6f3ec;
  --paper-2: #fffcf7;
  --line: #e4ddd2;
  --accent: #0e4b5c;
  --accent-2: #146377;
  --cta: #b23a2f;
  --cta-dark: #8f2e25;
  --gold: #b0893e;
  --focus: #1a6a86;
  --ok: #1f6b4a;
  --shadow: 0 10px 30px rgba(16, 32, 51, 0.07);
  --radius: 12px;
  --sans: "IBM Plex Sans", "Segoe UI", system-ui, sans-serif;
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background:
    radial-gradient(900px 320px at 8% -8%, rgba(14, 75, 92, 0.08), transparent 55%),
    radial-gradient(700px 280px at 100% 0%, rgba(178, 58, 47, 0.05), transparent 50%),
    var(--paper);
  font-family: var(--sans);
  line-height: 1.6;
  font-size: 16.5px;
}

a { color: var(--accent); }
a:hover { color: var(--cta); }

.skip {
  position: absolute;
  left: -999px;
  top: 8px;
  background: var(--ink);
  color: #fff;
  padding: 8px 12px;
  z-index: 50;
}
.skip:focus { left: 8px; }

.wrap {
  width: min(1120px, calc(100% - 36px));
  margin: 0 auto;
}

.site-header {
  border-bottom: 1px solid var(--line);
  background: rgba(246, 243, 236, 0.9);
  backdrop-filter: blur(12px);
  position: sticky;
  top: 0;
  z-index: 20;
}

.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 13px 0;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--ink);
  font-weight: 700;
  letter-spacing: -0.03em;
  font-size: 1.05rem;
}

.brand-mark {
  width: 34px;
  height: 34px;
  border-radius: 9px;
  background: var(--accent);
  color: #fff;
  display: grid;
  place-items: center;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.04em;
}

.site-header nav {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 18px;
  font-size: 14.5px;
  max-width: 640px;
  justify-content: flex-end;
  align-items: center;
}

.site-header nav a {
  text-decoration: none;
  color: var(--ink-soft);
  font-weight: 500;
}
.site-header nav a:hover { color: var(--ink); }
.site-header nav a[aria-current="page"] { color: var(--ink); font-weight: 700; }

.header-cta {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
  background: var(--cta);
  color: #fff !important;
  font-size: 13.5px;
  font-weight: 650;
  padding: 8px 13px;
  border-radius: 999px;
  white-space: nowrap;
}
.header-cta:hover { background: var(--cta-dark); color: #fff !important; }

.crumbs {
  font-size: 13px;
  color: var(--ink-soft);
  margin: 0 0 16px;
}
.crumbs a { color: var(--accent); text-decoration: none; }
.crumbs a:hover { text-decoration: underline; }

.hero { padding: 52px 0 28px; }
.hero-home { padding: 56px 0 36px; }

.kicker {
  display: inline-block;
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent);
  font-weight: 700;
  margin: 0 0 12px;
}

h1, h2, h3 {
  font-family: var(--serif);
  letter-spacing: -0.035em;
  line-height: 1.18;
  font-weight: 600;
}

h1 { font-size: clamp(2rem, 4.4vw, 3.05rem); margin: 0 0 14px; }
h2 { font-size: 1.42rem; margin: 0 0 12px; }
h3 { font-size: 1.12rem; }

.lede {
  font-size: 1.14rem;
  color: var(--ink-soft);
  max-width: 62ch;
  margin: 0 0 22px;
}

.trust {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 0 0 22px;
}
.trust span {
  font-size: 13px;
  font-weight: 550;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 6px 12px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  align-items: center;
}

.btn {
  appearance: none;
  border: 0;
  background: var(--cta);
  color: #fff;
  font: inherit;
  font-weight: 650;
  padding: 13px 16px;
  width: 100%;
  cursor: pointer;
  border-radius: 10px;
  text-decoration: none;
  display: inline-flex;
  justify-content: center;
  align-items: center;
}
.btn:hover { background: var(--cta-dark); color: #fff; }

.btn-lg { width: auto; padding: 12px 18px; }
.btn-ghost {
  background: transparent;
  color: var(--ink);
  border: 1px solid var(--line);
  width: auto;
  padding: 11px 16px;
}
.btn-ghost:hover { background: #fff; color: var(--ink); border-color: #cfc6b8; }

.grid-2 {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 22px;
  align-items: start;
}

.card {
  background: var(--paper-2);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  border-radius: var(--radius);
}

.calc { padding: 24px; }
.calc h2 { margin-top: 0; }

label {
  display: block;
  font-size: 13px;
  font-weight: 650;
  margin: 0 0 6px;
}

.field { margin: 0 0 14px; }

input, select {
  width: 100%;
  padding: 11px 12px;
  border: 1px solid #d5cdc0;
  border-radius: 8px;
  background: #fff;
  font: inherit;
  color: var(--ink);
}

input:focus, select:focus, button:focus-visible, a:focus-visible {
  outline: 3px solid color-mix(in srgb, var(--focus) 30%, white);
  outline-offset: 1px;
}

.row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.check {
  display: flex;
  gap: 8px;
  align-items: flex-start;
  font-size: 14px;
  font-weight: 500;
}
.check input { width: auto; margin-top: 3px; }

.result {
  padding: 24px;
  background:
    linear-gradient(180deg, rgba(14, 75, 92, 0.07), transparent 90px),
    var(--paper-2);
  min-height: 220px;
}

.result .total {
  font-family: var(--serif);
  font-size: clamp(1.9rem, 4vw, 2.55rem);
  margin: 4px 0 6px;
  letter-spacing: -0.04em;
}

.result .muted { color: var(--ink-soft); font-size: 14.5px; }

.breakdown {
  list-style: none;
  padding: 0;
  margin: 16px 0 0;
}
.breakdown li {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 11px 0;
  border-top: 1px solid var(--line);
  font-size: 15px;
}
.breakdown .strong { font-weight: 700; }

.note {
  font-size: 13px;
  color: var(--ink-soft);
  margin: 12px 0 0;
}

.section { padding: 36px 0 8px; }

.prose { max-width: 74ch; }
.prose p, .prose li { color: var(--ink-soft); }
.prose strong { color: var(--ink); }

.cards {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(250px, 1fr));
  gap: 14px;
}

.tool-card {
  padding: 20px;
  text-decoration: none;
  color: inherit;
  display: block;
  transition: transform 0.15s ease, border-color 0.15s ease, box-shadow 0.15s ease;
}
.tool-card:hover {
  border-color: var(--accent);
  transform: translateY(-2px);
  box-shadow: 0 16px 32px rgba(16, 32, 51, 0.1);
  color: inherit;
}
.tool-card h2, .tool-card h3 { margin: 0 0 8px; font-size: 1.16rem; }
.tool-card p { margin: 0; color: var(--ink-soft); font-size: 14.5px; }

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.step {
  padding: 20px;
}
.step .num {
  font-family: var(--serif);
  color: var(--accent);
  font-size: 1.4rem;
  margin: 0 0 8px;
}

.sources {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.source {
  padding: 16px 18px;
  font-size: 14.5px;
}
.source strong { display: block; margin-bottom: 4px; }

.faq details {
  border-top: 1px solid var(--line);
  padding: 13px 0;
}
.faq summary {
  cursor: pointer;
  font-weight: 650;
}
.faq details p { margin: 8px 0 0; color: var(--ink-soft); }

.example {
  background: #efe8d8;
  border-left: 4px solid var(--gold);
  padding: 14px 16px;
  margin: 16px 0;
  border-radius: 0 10px 10px 0;
}

.site-footer {
  margin-top: 56px;
  border-top: 1px solid var(--line);
  padding: 36px 0 28px;
  color: var(--ink-soft);
  font-size: 14px;
  background: rgba(255, 252, 247, 0.65);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 28px;
}
.site-footer h3 {
  font-family: var(--sans);
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin: 0 0 12px;
  color: var(--ink);
}
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin: 0 0 8px; }
.site-footer a { text-decoration: none; color: var(--ink-soft); }
.site-footer a:hover { color: var(--ink); }
.footer-note {
  margin-top: 28px;
  padding-top: 16px;
  border-top: 1px solid var(--line);
  font-size: 13px;
}

.hidden { display: none; }

.error {
  background: #f8e4e1;
  color: var(--cta-dark);
  padding: 10px 12px;
  margin-bottom: 12px;
  font-size: 14px;
  border-radius: 8px;
}

@media (max-width: 900px) {
  .grid-2, .row, .cards, .steps, .sources, .footer-grid { grid-template-columns: 1fr; }
  .header-cta { display: none; }
  .site-header nav { font-size: 13px; justify-content: flex-start; }
}