:root{
  --navy:#0f2a43; --navy2:#16395b; --ink:#1f2d3d; --body:#3c4858;
  --muted:#6b7a8d; --line:#e3e9f0; --bg:#f4f7fb; --card:#ffffff;
  --accent:#1f9d55; --accent-dark:#177544; --accent-soft:#e7f6ee;
  --gold:#f0a500; --radius:14px; --shadow:0 6px 24px rgba(15,42,67,.08);
  --maxw:1080px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--body);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--accent-dark);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}

/* Header */
.site-header{background:var(--navy);color:#fff}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;font-weight:700;font-size:1.15rem;letter-spacing:-.02em}
.brand:hover{text-decoration:none}
.brand .logo{width:30px;height:30px;background:var(--accent);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:18px}
.nav a{color:#cdd8e4;margin-left:22px;font-size:.95rem;font-weight:500}
.nav a:hover{color:#fff;text-decoration:none}
@media(max-width:560px){.nav a{margin-left:14px;font-size:.9rem}.brand span.full{display:none}}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:48px 0 40px;text-align:center}
.hero h1{font-size:2.3rem;line-height:1.15;letter-spacing:-.03em;margin-bottom:14px;font-weight:800}
.hero p{font-size:1.1rem;color:#c5d2df;max-width:620px;margin:0 auto}
@media(max-width:560px){.hero h1{font-size:1.8rem}.hero p{font-size:1rem}}

/* Layout */
main{padding:30px 0 50px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px;margin-bottom:26px}
.card h2{color:var(--navy);font-size:1.45rem;letter-spacing:-.02em;margin-bottom:14px}
.card h3{color:var(--navy);font-size:1.1rem;margin:18px 0 8px}
.card p{margin-bottom:12px}
.card ul{margin:0 0 12px 20px}
.card li{margin-bottom:7px}

/* Calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:26px}
@media(max-width:780px){.calc{grid-template-columns:1fr}}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;color:var(--ink);font-size:.92rem;margin-bottom:6px}
.field .hint{font-weight:400;color:var(--muted);font-size:.82rem}
.input-money{position:relative}
.input-money::before{content:"$";position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.input-money input{padding-left:24px}
input,select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:9px;font-size:1rem;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s}
input:focus,select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}
.range-row{display:flex;align-items:center;gap:12px}
.range-row input[type=range]{padding:0;accent-color:var(--accent)}
.range-val{font-weight:700;color:var(--accent-dark);min-width:46px;text-align:right}

/* Results */
.results{background:var(--navy);color:#fff;border-radius:var(--radius);padding:26px;align-self:start}
.results .big-label{text-transform:uppercase;letter-spacing:.12em;font-size:.72rem;color:#9fb4c9;font-weight:700}
.results .big-num{font-size:2.6rem;font-weight:800;letter-spacing:-.03em;margin:4px 0 2px;color:#fff}
.results .big-sub{color:#bcd0e2;font-size:.9rem;margin-bottom:20px}
.res-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;border-top:1px solid rgba(255,255,255,.14);padding-top:18px}
.res-item .l{font-size:.78rem;color:#9fb4c9;text-transform:uppercase;letter-spacing:.06em}
.res-item .v{font-size:1.25rem;font-weight:700;color:#fff}
.accent-num{color:#5fd39a !important}

/* Pills / tags */
.pill{display:inline-block;background:var(--accent-soft);color:var(--accent-dark);font-weight:600;font-size:.8rem;padding:4px 11px;border-radius:999px;margin:0 6px 6px 0}

/* Rule box */
.rulebox{background:var(--accent-soft);border:1px solid #bfe6cf;border-radius:12px;padding:18px 20px;margin:8px 0 4px}
.rulebox h3{margin-top:0;color:var(--accent-dark)}
.note{background:#fff8e8;border:1px solid #f3dd9e;border-radius:10px;padding:14px 16px;font-size:.9rem;color:#7a5b12}

/* FAQ */
.faq details{border:1px solid var(--line);border-radius:10px;padding:0;margin-bottom:10px;background:#fff;overflow:hidden}
.faq summary{cursor:pointer;padding:14px 16px;font-weight:600;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--accent);font-weight:700;font-size:1.2rem;line-height:1}
.faq details[open] summary::after{content:"\2013"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .ans{padding:14px 16px;color:var(--body)}

/* cluster cross-links */
.tools{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
.tool{border:1px solid var(--line);border-radius:12px;padding:16px;background:#fff}
.tool .soon{font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;color:var(--gold);font-weight:700}
.tool h3{margin:4px 0 6px;font-size:1.05rem}
.tool p{font-size:.9rem;color:var(--muted);margin:0}
a.tool{color:inherit;text-decoration:none;transition:border-color .15s,box-shadow .15s}
a.tool:hover{text-decoration:none;border-color:var(--accent);box-shadow:var(--shadow)}
a.tool h3{color:var(--navy)}

/* buttons */
.btn{display:inline-block;background:var(--accent);color:#fff;font-weight:700;padding:12px 22px;border-radius:10px;border:none;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--accent-dark);text-decoration:none}

/* legal pages */
.page-head{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:40px 0}
.page-head h1{font-size:2rem;letter-spacing:-.02em}
.page-head .back{color:#bcd0e2;font-size:.9rem;display:inline-block;margin-bottom:10px}
.prose h2{color:var(--navy);font-size:1.3rem;margin:22px 0 10px}
.prose p,.prose li{margin-bottom:10px}
.prose ul{margin-left:20px}

/* footer */
.site-footer{background:var(--navy);color:#aebfd0;padding:34px 0;font-size:.9rem}
.site-footer .links{display:flex;flex-wrap:wrap;gap:8px 18px;justify-content:center;margin-bottom:14px}
.site-foo