:root {
  --ink: #15211d;
  --muted: #53615b;
  --paper: #fbfaf6;
  --surface: #ffffff;
  --line: #dfe7df;
  --brand: #17463a;
  --brand-dark: #0d2f28;
  --accent: #d86b35;
  --accent-soft: #f7e3d8;
  --mint: #dceee5;
  --blue: #dce9f4;
  --shadow: 0 18px 50px rgba(21, 33, 29, 0.12);
  --radius: 8px;
  --max-width: 1160px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.6;
}

img,
svg {
  max-width: 100%;
}

a {
  color: inherit;
}

.container {
  width: min(100% - 32px, var(--max-width));
  margin-inline: auto;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -48px;
  z-index: 20;
  background: var(--brand-dark);
  color: #fff;
  padding: 10px 14px;
  border-radius: var(--radius);
}

.skip-link:focus {
  top: 16px;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(251, 250, 246, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(16px);
}

.header-inner {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--brand-dark);
  font-weight: 800;
  text-decoration: none;
  letter-spacing: 0;
}

.brand-mark {
  display: inline-grid;
  width: 36px;
  height: 36px;
  place-items: center;
  border-radius: 50%;
  background: var(--brand);
  color: #fff;
  font-weight: 900;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 8px;
}

.site-nav a {
  border-radius: var(--radius);
  color: var(--muted);
  font-weight: 700;
  padding: 10px 12px;
  text-decoration: none;
}

.site-nav a:hover,
.site-nav a:focus-visible,
.site-nav a[aria-current="page"] {
  background: var(--mint);
  color: var(--brand-dark);
  outline: none;
}

.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface);
}

.nav-toggle-line,
.nav-toggle-line::before,
.nav-toggle-line::after {
  display: block;
  width: 18px;
  height: 2px;
  margin: 0 auto;
  background: var(--ink);
  content: "";
}

.nav-toggle-line::before {
  transform: translateY(-6px);
}

.nav-toggle-line::after {
  transform: translateY(4px);
}

.hero {
  padding: 72px 0 56px;
  background:
    linear-gradient(135deg, rgba(220, 238, 229, 0.95), rgba(247, 227, 216, 0.7)),
    var(--paper);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(320px, 0.88fr);
  gap: 44px;
  align-items: center;
}

.eyebrow,
.card-kicker {
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0;
  margin: 0 0 10px;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  line-height: 1.1;
  margin: 0;
}

h1 {
  max-width: 760px;
  font-size: clamp(3rem, 8vw, 6.4rem);
}

h2 {
  font-size: clamp(2rem, 4vw, 3.4rem);
}

h3 {
  font-size: 1.22rem;
}

p {
  color: var(--muted);
  margin: 14px 0 0;
}

.hero-lede {
  max-width: 700px;
  color: #30433c;
  font-size: clamp(1.12rem, 2vw, 1.35rem);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.button {
  display: inline-flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font-weight: 800;
  padding: 12px 18px;
  text-decoration: none;
}

.button.primary {
  background: var(--brand);
  color: #fff;
}

.button.primary:hover,
.button.primary:focus-visible {
  background: var(--brand-dark);
}

.button.secondary {
  background: var(--surface);
  border-color: var(--line);
  color: var(--brand-dark);
}

.button.secondary:hover,
.button.secondary:focus-visible {
  border-color: var(--brand);
}

.hero-panel {
  background: var(--surface);
  border: 1px solid rgba(23, 70, 58, 0.16);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 22px;
}

.metric-card {
  border-radius: var(--radius);
  background: var(--brand-dark);
  color: #fff;
  padding: 24px;
}

.metric-label {
  color: rgba(255, 255, 255, 0.72);
  display: block;
  font-size: 0.88rem;
  font-weight: 700;
}

.metric-card strong {
  display: block;
  font-size: clamp(2rem, 5vw, 3.2rem);
  line-height: 1;
  margin-top: 10px;
}

.metric-card p {
  color: rgba(255, 255, 255, 0.78);
}

.factor-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin-top: 16px;
}

.factor-list span {
  background: var(--mint);
  border-radius: var(--radius);
  color: var(--brand-dark);
  font-weight: 800;
  padding: 12px;
}

.section {
  padding: 72px 0;
}

.section.muted {
  background: #eef5ee;
  border-block: 1px solid var(--line);
}

.section-heading {
  max-width: 760px;
  margin-bottom: 28px;
}

.tool-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.tool-card {
  min-height: 220px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
  text-decoration: none;
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.tool-card:hover,
.tool-card:focus-visible {
  border-color: rgba(23, 70, 58, 0.48);
  box-shadow: var(--shadow);
  outline: none;
  transform: translateY(-3px);
}

.tool-card p {
  margin-top: 18px;
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(340px, 1.2fr);
  gap: 44px;
  align-items: start;
}

.rate-list {
  display: grid;
  gap: 10px;
}

.rate-list div {
  display: grid;
  grid-template-columns: minmax(180px, 0.42fr) 1fr;
  gap: 18px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px;
}

.rate-list span {
  color: var(--muted);
}

.trust-band {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  background: var(--brand-dark);
  border-radius: var(--radius);
  color: #fff;
  padding: 34px;
}

.trust-band p {
  max-width: 760px;
  color: rgba(255, 255, 255, 0.78);
}

.page-hero {
  padding: 64px 0 42px;
  background: var(--mint);
}

.page-hero .container {
  max-width: 850px;
}

.content {
  max-width: 850px;
  padding: 54px 0 72px;
}

.content h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  margin-top: 38px;
}

.content h2:first-child {
  margin-top: 0;
}

.content ul {
  color: var(--muted);
  padding-left: 1.2rem;
}

.status-note {
  background: var(--blue);
  border: 1px solid #c9dbea;
  border-radius: var(--radius);
  margin: 28px 0;
  padding: 18px;
}

.small-note,
.privacy-note {
  color: #3d5249;
  font-size: 0.95rem;
}

.calculator-hero .container {
  max-width: 980px;
}

.calculator-section {
  padding-top: 44px;
}

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(320px, 0.88fr);
  gap: 24px;
  align-items: start;
}

.calculator-form,
.results-panel {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 12px 34px rgba(21, 33, 29, 0.08);
}

.calculator-form {
  padding: 24px;
}

.form-intro {
  margin-bottom: 22px;
}

.calculator-form fieldset {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  margin: 0 0 18px;
  padding: 18px;
}

.calculator-form legend {
  color: var(--brand-dark);
  font-weight: 900;
  padding: 0 8px;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.calculator-form label {
  display: grid;
  gap: 7px;
  color: var(--ink);
  font-weight: 800;
}

.calculator-form small {
  color: var(--muted);
  font-weight: 500;
  line-height: 1.45;
}

.calculator-form input,
.calculator-form select {
  width: 100%;
  min-height: 46px;
  border: 1px solid #cbd8cf;
  border-radius: var(--radius);
  background: #fff;
  color: var(--ink);
  font: inherit;
  padding: 10px 12px;
}

.calculator-form input:focus,
.calculator-form select:focus {
  border-color: var(--brand);
  box-shadow: 0 0 0 3px rgba(23, 70, 58, 0.14);
  outline: none;
}

.checkbox-label {
  align-content: start;
  grid-template-columns: auto 1fr;
  gap: 10px;
  padding-top: 28px;
}

.checkbox-label input {
  min-height: auto;
  width: 18px;
  height: 18px;
  margin-top: 4px;
}

.form-actions {
  display: flex;
  gap: 12px;
  margin-top: 22px;
}

.privacy-note {
  border-top: 1px solid var(--line);
  margin-top: 20px;
  padding-top: 16px;
}

.validation-box {
  background: #fff3ed;
  border: 1px solid #efc6b0;
  border-radius: var(--radius);
  color: #6f2d13;
  margin-bottom: 18px;
  padding: 16px;
}

.validation-box ul {
  margin: 8px 0 0;
  padding-left: 1.2rem;
}

.results-panel {
  position: sticky;
  top: 96px;
  display: grid;
  gap: 12px;
  padding: 18px;
}

.results-heading {
  padding: 6px 6px 10px;
}

.results-heading h2 {
  font-size: clamp(1.6rem, 3vw, 2.3rem);
}

.result-card {
  background: #f7faf7;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px;
}

.result-card.featured {
  background: var(--brand-dark);
  border-color: var(--brand-dark);
  color: #fff;
}

.result-card span {
  color: var(--muted);
  display: block;
  font-size: 0.86rem;
  font-weight: 900;
  text-transform: uppercase;
}

.result-card.featured span,
.result-card.featured p {
  color: rgba(255, 255, 255, 0.78);
}

.result-card strong {
  display: block;
  font-size: clamp(1.8rem, 4vw, 2.7rem);
  line-height: 1;
  margin-top: 8px;
}

.result-card p {
  font-size: 0.95rem;
}

.breakdown-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.breakdown-grid div {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px;
}

.breakdown-grid span {
  color: var(--muted);
  display: block;
  font-size: 0.84rem;
  font-weight: 800;
}

.breakdown-grid strong {
  display: block;
  font-size: 1.3rem;
  line-height: 1.2;
  margin-top: 8px;
}

.calculator-content {
  max-width: 980px;
}

.explain-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  margin-top: 22px;
}

.explain-grid div,
.calculator-content details {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
}

.explain-grid h3 {
  font-size: 1.08rem;
}

.calculator-content details {
  margin-top: 10px;
}

.calculator-content summary {
  color: var(--brand-dark);
  cursor: pointer;
  font-weight: 900;
}

.site-footer {
  background: #101a16;
  color: #fff;
  padding: 44px 0 22px;
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(240px, 1.4fr) repeat(2, minmax(160px, 0.5fr));
  gap: 32px;
}

.footer-brand {
  color: #fff;
}

.site-footer p,
.footer-bottom,
.site-footer a {
  color: rgba(255, 255, 255, 0.72);
}

.site-footer h2 {
  color: #fff;
  font-size: 0.95rem;
  margin-bottom: 12px;
}

.site-footer nav a {
  display: block;
  margin: 8px 0;
  text-decoration: none;
}

.site-footer a:hover,
.site-footer a:focus-visible {
  color: #fff;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.16);
  margin-top: 34px;
  padding-top: 18px;
}

@media (max-width: 900px) {
  .hero-grid,
  .split,
  .footer-grid,
  .calculator-layout {
    grid-template-columns: 1fr;
  }

  .tool-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .results-panel {
    position: static;
  }

  .breakdown-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 720px) {
  .container {
    width: min(100% - 24px, var(--max-width));
  }

  .header-inner {
    min-height: 64px;
  }

  .nav-toggle {
    display: inline-block;
  }

  .site-nav {
    position: absolute;
    inset: 64px 12px auto;
    display: none;
    flex-direction: column;
    align-items: stretch;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    padding: 8px;
  }

  .site-nav.is-open {
    display: flex;
  }

  .site-nav a {
    padding: 13px 12px;
  }

  .hero {
    padding: 50px 0 42px;
  }

  .hero-actions,
  .trust-band,
  .footer-bottom {
    align-items: stretch;
    flex-direction: column;
  }

  .button {
    width: 100%;
  }

  .factor-list,
  .tool-grid,
  .rate-list div,
  .form-grid,
  .breakdown-grid,
  .explain-grid {
    grid-template-columns: 1fr;
  }

  .calculator-form {
    padding: 16px;
  }

  .calculator-form fieldset {
    padding: 14px;
  }

  .form-actions {
    flex-direction: column;
  }

  .section {
    padding: 52px 0;
  }
}