:root{
  --bg:#f6f8fb;--card:#ffffff;--ink:#14213d;--muted:#5b6478;--line:#e3e8ef;
  --brand:#d9480f;--brand-dark:#b23a0c;--accent:#0f9d58;--accent-soft:#e6f6ee;--warn:#b45309;--warn-soft:#fff4e5;
  --radius:14px;--shadow:0 1px 2px rgba(20,33,61,.06),0 8px 24px rgba(20,33,61,.06);
  --max:1080px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Inter,Helvetica,Arial,sans-serif}
a{color:var(--brand)}
img{max-width:100%}
h1,h2,h3{line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(1.7rem,4vw,2.4rem);letter-spacing:-.01em}
h2{font-size:clamp(1.3rem,3vw,1.6rem);margin-top:1.6em}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:60px}
.logo{font-weight:800;text-decoration:none;color:var(--ink);font-size:1.05rem;display:flex;align-items:center;gap:8px}
.logo span{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:8px;background:var(--brand);color:#fff;font-size:.9rem}
.nav{display:flex;gap:4px}
.nav a{color:var(--ink);text-decoration:none;font-size:.93rem;padding:8px 10px;border-radius:8px}
.nav a:hover,.nav a[aria-current]{background:var(--bg)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:6px 10px;font-size:1.1rem}
@media (max-width:760px){
  .nav{display:none;position:absolute;left:0;right:0;top:60px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;padding:8px 16px 12px}
  body.nav-open .nav{display:flex}
  .nav-toggle{display:block}
}

/* hero */
.hero{padding:36px 0 12px}
.hero p.lead{font-size:1.1rem;color:var(--muted);max-width:720px}
.badge{display:inline-block;background:var(--accent-soft);color:#0a6b3c;font-weight:600;font-size:.8rem;padding:4px 10px;border-radius:999px;margin-bottom:12px}

/* layout */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:28px;align-items:start;margin:20px 0 40px}
@media (max-width:900px){.layout{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px}
@media (max-width:480px){.card{padding:16px}}
.sidebar{position:sticky;top:76px;display:grid;gap:20px}
.sidebar .card h3{margin-top:0}
.sidebar ul{padding-left:18px;margin:0}
.sidebar li{margin:6px 0}

/* form */
.calc h2{margin-top:0}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}
@media (max-width:560px){.grid{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
label{font-weight:600;font-size:.93rem}
.hint{font-size:.82rem;color:var(--muted);font-weight:400}
input[type=text],input[type=number],input[type=email],input[type=date],select{
  font:inherit;padding:11px 12px;border:1px solid #c9d1dd;border-radius:10px;background:#fff;color:var(--ink);width:100%;min-width:0
}
input:focus,select:focus{outline:2px solid var(--brand);outline-offset:1px;border-color:var(--brand)}
input.bad{border-color:#d33;outline-color:#d33}
.money{position:relative}
.money input{padding-left:26px}
.money::before{content:"$";position:absolute;left:11px;top:11px;color:var(--muted)}
.checks{display:flex;flex-direction:column;gap:8px}
.checks label{font-weight:500;display:flex;gap:10px;align-items:flex-start}
.checks input{margin-top:4px}
.btn{display:inline-block;background:var(--brand);color:#fff;border:0;border-radius:10px;padding:13px 22px;font:inherit;font-weight:700;cursor:pointer;text-decoration:none}
.btn:hover{background:var(--brand-dark)}
.btn.block{width:100%}
.btn.ghost{background:#fff;color:var(--brand);border:1px solid var(--brand)}
.actions{margin-top:18px}
.note{font-size:.85rem;color:var(--muted)}

/* results */
.results{margin-top:22px;position:relative;border-top:1px solid var(--line);padding-top:18px;scroll-margin-top:76px}
.results[hidden]{display:none}
.results .inner{transition:filter .3s}
.results.locked .inner{filter:blur(7px);user-select:none;pointer-events:none}
.big{font-size:clamp(2rem,6vw,2.8rem);font-weight:800;color:var(--accent);letter-spacing:-.02em;line-height:1.1;margin:4px 0}
.big small{display:block;font-size:.95rem;font-weight:600;color:var(--muted);letter-spacing:0;margin-top:4px}
.stat-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:16px 0}
.stat{background:var(--bg);border-radius:10px;padding:12px 14px}
.stat b{display:block;font-size:1.15rem}
.stat span{font-size:.8rem;color:var(--muted)}
table.breakdown{width:100%;border-collapse:collapse;font-size:.93rem;margin:12px 0}
table.breakdown td{padding:8px 4px;border-bottom:1px solid var(--line)}
table.breakdown td:last-child{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
table.breakdown tr.total td{font-weight:700;border-bottom:0}
.callout{background:var(--warn-soft);border-left:4px solid var(--warn);padding:12px 14px;border-radius:8px;font-size:.92rem;margin:14px 0}
.callout.good{background:var(--accent-soft);border-left-color:var(--accent)}
.callout.info{background:#fff1ea;border-left-color:var(--brand)}

/* gate */
.gate{position:absolute;inset:0;display:grid;place-items:center;padding:16px;z-index:5}
.gate-box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 12px 40px rgba(20,33,61,.18);padding:22px;max-width:420px;width:100%;text-align:center}
.gate-box h3{margin-top:0}
.gate-box p{font-size:.93rem;color:var(--muted)}
.gate-form{display:flex;gap:8px;flex-direction:column}
.gate-form button{background:var(--brand);color:#fff;border:0;border-radius:10px;padding:13px;font:inherit;font-weight:700;cursor:pointer}
.gate-fine{font-size:.78rem!important;margin:10px 0 0}
.gate-skip{margin:6px 0 0;font-size:.8rem}
.gate-skip a{color:var(--muted)}

/* ads */
.ad-slot{min-height:90px;margin:18px 0;display:grid;place-items:center;border:1px dashed var(--line);border-radius:10px;color:#b7bfcc;font-size:.75rem;text-transform:uppercase;letter-spacing:.08em}
.ad-slot.tall{min-height:250px}
.ad-slot ins{width:100%}
body.ads-live .ad-slot{border:0;color:transparent}

/* content */
.content{max-width:760px}
.content h2{scroll-margin-top:80px}
.content ul,.content ol{padding-left:22px}
.content li{margin:6px 0}
.faq details{border-bottom:1px solid var(--line);padding:10px 0}
.faq summary{cursor:pointer;font-weight:600}
.faq details p{margin:8px 0 0;color:var(--muted)}
.examples{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));margin:12px 0}
.examples .card{padding:14px 16px}
.examples .card b{font-size:1.2rem;color:var(--accent);display:block}

/* home cards */
.tool-grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));margin:24px 0}
.tool{display:flex;flex-direction:column;gap:8px;text-decoration:none;color:var(--ink);transition:transform .15s}
.tool:hover{transform:translateY(-2px)}
.tool .icon{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:#fff1ea;font-size:1.4rem}
.tool h3{margin:6px 0 0}
.tool p{color:var(--muted);font-size:.93rem;margin:0}
.tool .cta{color:var(--brand);font-weight:600;font-size:.9rem;margin-top:auto}

/* footer */
.site-footer{border-top:1px solid var(--line);background:#fff;padding:28px 0;font-size:.85rem;color:var(--muted)}
.site-footer .wrap{display:grid;gap:12px}
.site-footer nav{display:flex;flex-wrap:wrap;gap:14px}
.site-footer a{color:var(--muted)}
.disclaimer{font-size:.78rem}

.list-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin:14px 0}
.list-grid .item{background:var(--bg);border-radius:10px;padding:12px 14px}
.list-grid .item b{display:block;font-size:1.25rem}
.list-grid .item span{font-size:.85rem;color:var(--muted)}
.list-grid .item small{display:block;font-size:.78rem;color:var(--muted);margin-top:4px}