:root{--ink:#16211d;--muted:#5e6b66;--line:#d9e0dc;--paper:#f7f6f0;--surface:#ffffff;--accent:#0f766e;--accent-dark:#115e59;--gold:#b7791f;--rose:#be5b62;--shadow:0 18px 50px rgba(22,33,29,0.1)}*{box-sizing:border-box}body{margin:0;color:var(--ink);background:var(--paper);font-family:Arial,Helvetica,sans-serif}a{color:inherit;text-decoration:none}button,input,select{font:inherit}.container{width:min(1120px,calc(100% - 32px));margin:0 auto}.hero{min-height:620px;display:flex;background:linear-gradient(rgba(10,24,20,.58),rgba(10,24,20,.5)),url(https://images.unsplash.com/photo-1540959733332-eab4deabeeaf?auto=format&fit=crop&w=1800&q=80) 50%/cover;color:white}.hero,.heroGrid{align-items:center}.heroGrid{display:grid;grid-template-columns:minmax(0,1.1fr) 360px;grid-gap:40px;gap:40px}.eyebrow{margin:0 0 12px;color:var(--accent);font-size:.78rem;font-weight:800;letter-spacing:0;text-transform:uppercase}.hero .eyebrow{color:#9ef0df}h1,h2,h3,p{overflow-wrap:anywhere}h1{max-width:760px;font-size:clamp(2.35rem,5vw,4.8rem);line-height:.98}h1,h2{margin:0;letter-spacing:0}h2{font-size:2rem}h3{margin:0;font-size:1.04rem;letter-spacing:0}.lead{max-width:700px;margin:22px 0 0;color:rgba(255,255,255,.9);font-size:1.1rem;line-height:1.7}.heroActions{display:flex;gap:12px;margin-top:30px}.primaryButton,.secondaryButton{min-height:44px;display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:6px;padding:0 16px;cursor:pointer;font-weight:800}.primaryButton{color:white;background:var(--accent)}.primaryButton:hover{background:var(--accent-dark)}.secondaryButton{color:var(--ink);background:#e9ece8}.heroPanel{display:grid;grid-gap:12px;padding:18px;border:1px solid rgba(255,255,255,.24);border-radius:8px;-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px)}.heroPanel,.metricRow{gap:12px;background:rgba(255,255,255,.12)}.metricRow{display:flex;align-items:center;min-height:48px;padding:10px 12px;border-radius:6px;font-weight:700}.section{padding:56px 0}.sectionSoft{background:rgba(255,255,255,.34)}.sectionHeader{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:20px}.toolGrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:16px;gap:16px}.toolCard{min-height:210px;display:flex;flex-direction:column;gap:14px;padding:20px;border:1px solid var(--line);border-radius:8px;background:var(--surface);box-shadow:var(--shadow)}.toolCard p{margin:0;color:var(--muted);line-height:1.55}.status{width:max-content;padding:5px 8px;border-radius:999px;background:#d9f3ed;font-size:.76rem}.cardLink,.status{color:var(--accent-dark);font-weight:800}.cardLink{display:inline-flex;align-items:center;gap:6px;margin-top:auto}.appShell{min-height:100vh;background:linear-gradient(90deg,rgba(15,118,110,.08),transparent 42%),var(--paper)}.topbar{border-bottom:1px solid var(--line);background:rgba(247,246,240,.88);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}.topbarInner{min-height:64px;justify-content:space-between;gap:20px}.brand,.topbarInner{display:flex;align-items:center}.brand{gap:10px;font-weight:900}.brandMark{width:34px;height:34px;display:inline-grid;place-items:center;border-radius:6px;color:white;background:var(--accent)}.calculatorPage{padding:34px 0 56px}.pageIntro{display:grid;grid-template-columns:minmax(0,1fr) 320px;grid-gap:24px;gap:24px;align-items:start;margin-bottom:24px}.pageIntro h1{color:var(--ink);font-size:clamp(2.2rem,4vw,3.9rem)}.pageIntro .lead,.sourceStamp{color:var(--muted)}.sourceStamp{padding:16px;border:1px solid var(--line);border-radius:8px;background:var(--surface);line-height:1.5}.calculatorGrid{display:grid;grid-template-columns:420px minmax(0,1fr);grid-gap:20px;gap:20px;align-items:start}.panel{border:1px solid var(--line);border-radius:8px;background:var(--surface);box-shadow:var(--shadow)}.formPanel{position:-webkit-sticky;position:sticky;top:18px;padding:20px}.fieldGroup{display:grid;grid-gap:6px;gap:6px;margin-bottom:16px}.fieldGroup label{font-weight:800}.fieldHelp{color:var(--muted);font-size:.85rem}.fieldGroup input,.fieldGroup select{width:100%;min-height:44px;border:1px solid #bfcbc5;border-radius:6px;padding:0 12px;background:white;color:var(--ink)}.splitFields{grid-template-columns:1fr 1fr;gap:12px}.splitFields>div{display:grid;grid-gap:6px;gap:6px}.toggleRow{display:grid;grid-template-columns:1fr 1fr;grid-gap:10px;gap:10px;margin-bottom:16px}.toggleButton{min-height:44px;border:1px solid #bfcbc5;border-radius:6px;background:white;color:var(--muted);cursor:pointer;font-weight:800}.toggleButtonActive{border-color:var(--accent);color:white;background:var(--accent)}.resultsPanel{display:grid;grid-gap:16px;gap:16px}.summaryGrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:12px;gap:12px}.summaryBox{min-height:128px;padding:18px;border:1px solid var(--line);border-radius:8px;background:var(--surface)}.deductionRow span:first-child,.summaryBox span{color:var(--muted);font-size:.88rem}.summaryBox strong{display:block;margin-top:10px;font-size:1.7rem;letter-spacing:0}.summaryBoxWide strong{font-size:2rem}.statusText{text-transform:capitalize}.statusText-comfortable{color:var(--accent-dark)}.statusText-balanced{color:var(--gold)}.statusText-shortfall{color:var(--rose)}.breakdown{padding:20px}.breakdown h2{margin-bottom:14px}.deductionList{display:grid;grid-gap:10px;gap:10px}.deductionRow{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:42px;border-bottom:1px solid #eef1ef}.deductionRow strong{text-align:right}.notesGrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:16px;gap:16px}.noteBox{padding:18px;border:1px solid var(--line);border-radius:8px;background:var(--surface)}.noteBox h3{display:flex;align-items:center;gap:8px}.noteBox ul{margin:12px 0 0;padding-left:18px;color:var(--muted);line-height:1.6}.sourceList{display:grid;grid-gap:8px;gap:8px;margin-top:10px}.sourceList a{color:var(--accent-dark);font-weight:800}.contentSection{padding-top:42px}.contentGrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));grid-gap:16px;gap:16px}.contentBlock{min-height:190px;padding:20px;border:1px solid var(--line);border-radius:8px;background:var(--surface)}.contentBlock p,.faqItem p,.nextTools p{color:var(--muted);line-height:1.65}.faqList{display:grid;grid-gap:10px;gap:10px}.faqItem{border:1px solid var(--line);border-radius:8px;background:var(--surface)}.faqItem summary{min-height:52px;display:flex;align-items:center;padding:0 18px;cursor:pointer;font-weight:900}.faqItem p{margin:0;padding:0 18px 18px}.nextTools{display:grid;grid-template-columns:minmax(0,1fr) auto;grid-gap:24px;gap:24px;align-items:center;margin-top:42px;padding:24px;border:1px solid var(--line);border-radius:8px;background:var(--surface);box-shadow:var(--shadow)}.nextTools h2{margin-bottom:10px}.nextTools p{max-width:760px;margin:0}.guidePage{padding:48px 0 64px}.guidePage h1{color:var(--ink);font-size:clamp(2.25rem,4vw,4rem)}.guideLead{max-width:780px;margin:20px 0 0;color:var(--muted);font-size:1.1rem;line-height:1.75}.guideBody{max-width:820px;margin-top:34px}.guideBody h2{margin-top:30px;font-size:1.55rem}.guideBody p{color:var(--muted);font-size:1rem;line-height:1.8}.affiliateSlot{display:grid;grid-template-columns:minmax(0,1fr) auto;grid-gap:24px;gap:24px;align-items:center;margin-top:42px;padding:24px;border:1px solid var(--line);border-radius:8px;background:var(--surface);box-shadow:var(--shadow)}.affiliateSlot h2{margin-bottom:10px}.affiliateSlot p{max-width:760px;margin:0;color:var(--muted);line-height:1.65}@media (max-width:900px){.affiliateSlot,.calculatorGrid,.contentGrid,.heroGrid,.nextTools,.notesGrid,.pageIntro,.summaryGrid,.toolGrid{grid-template-columns:1fr}.formPanel{position:static}}@media (max-width:560px){.container{width:min(100% - 24px,1120px)}.hero{min-height:680px}.topbarInner{align-items:flex-start;flex-direction:column;padding:12px 0}.splitFields,.toggleRow{grid-template-columns:1fr}.affiliateSlot .primaryButton,.nextTools .primaryButton{width:100%}}