:root {
  --paper: #f7f3ea;
  --paper-deep: #efe8db;
  --ink: #1f2725;
  --muted: #68706b;
  --coral: #ff5b4d;
  --coral-dark: #d94438;
  --olive: #7f906d;
  --butter: #f6c75f;
  --mint: #dce8d7;
  --line: rgba(31, 39, 37, 0.14);
  --shadow: 0 18px 60px rgba(67, 54, 38, 0.10);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: "Plus Jakarta Sans", ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; }
button, select, input { font: inherit; }
button { cursor: pointer; }
a { color: inherit; text-decoration: none; }
::selection { background: var(--butter); color: var(--ink); }

.site-shell { min-height: 100vh; overflow: hidden; }
.topbar { position: sticky; top: 0; z-index: 20; border-bottom: 1px solid var(--line); background: rgba(247,243,234,.92); backdrop-filter: blur(16px); }
.nav-wrap { max-width: 1180px; margin: 0 auto; padding: 17px 22px; display:flex; align-items:center; justify-content:space-between; gap: 20px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; letter-spacing: -0.04em; }
.brand-mark { width: 36px; height: 36px; display:grid; place-items:center; border-radius: 11px; background: var(--coral); color: white; box-shadow: 4px 4px 0 var(--ink); font-family: "Fraunces", Georgia, serif; font-weight: 700; font-size: 17px; }
.brand-name { font-size: 19px; }
.brand-name span { color: var(--coral); }
.nav-links { display:flex; align-items:center; gap: 22px; color: var(--muted); font-size: 13px; font-weight: 700; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--ink); }
.nav-cta { padding: 10px 14px; color: white !important; background: var(--ink); border-radius: 999px; }
.nav-cta:hover { background: var(--coral); }
.mobile-menu { display:none; border: 0; background: transparent; font-size: 22px; }

.container { width: min(1180px, calc(100% - 44px)); margin: 0 auto; }
.section { padding: 92px 0; }
.section-tight { padding: 55px 0; }
.eyebrow { display:inline-flex; align-items:center; gap: 8px; color: var(--coral-dark); text-transform: uppercase; letter-spacing: .12em; font-size: 11px; font-weight: 800; }
.eyebrow::before { content: ""; width: 20px; height: 2px; background: var(--coral); }
.display { margin: 18px 0 18px; max-width: 720px; font-family: "Fraunces", Georgia, serif; font-size: clamp(45px, 7vw, 84px); line-height: .95; letter-spacing: -.065em; font-weight: 650; }
.display em { color: var(--coral); font-style: normal; }
.lede { max-width: 570px; color: var(--muted); font-size: 16px; line-height: 1.75; }
.mono-label { font-size: 11px; text-transform: uppercase; letter-spacing: .12em; color: var(--muted); font-weight: 800; }

.hero { padding: 72px 0 76px; }
.hero-grid { display:grid; grid-template-columns: .84fr 1.16fr; align-items:center; gap: 70px; }
.hero-copy { position: relative; }
.hero-copy::after { content: ""; position:absolute; z-index:-1; width: 180px; height: 180px; right: -50px; top: -48px; border-radius: 50%; background: var(--butter); opacity: .28; }
.hero-note { display:flex; align-items:center; gap: 12px; margin-top: 32px; color: var(--muted); font-size: 12px; }
.hero-note b { color: var(--ink); }
.hero-note-dot { width: 34px; height: 34px; display:grid; place-items:center; border: 1px solid var(--line); border-radius: 50%; background: white; }

.calculator-card { background: #fffdf8; border: 1px solid var(--line); border-radius: 28px; box-shadow: var(--shadow); overflow: hidden; }
.calc-head { display:flex; align-items:flex-start; justify-content:space-between; gap: 18px; padding: 24px 26px 20px; background: var(--ink); color: white; }
.calc-head h2 { margin: 6px 0 0; font-family: "Fraunces", Georgia, serif; font-size: 27px; letter-spacing: -.04em; }
.calc-head p { margin: 6px 0 0; color: rgba(255,255,255,.66); font-size: 12px; }
.calc-badge { min-width: 74px; padding: 9px 10px; border-radius: 12px; background: var(--coral); color: white; font-size: 10px; line-height: 1.2; text-align:center; text-transform: uppercase; letter-spacing: .08em; font-weight: 800; }
.calc-body { padding: 26px; }
.control-grid { display:grid; grid-template-columns: 1fr 1fr; gap: 17px; }
.control label { display:block; margin-bottom: 8px; color: var(--muted); font-size: 11px; text-transform: uppercase; letter-spacing: .08em; font-weight: 800; }
.select-wrap { position: relative; }
.select-wrap::after { content: "⌄"; position:absolute; right: 13px; top: 9px; color: var(--coral); pointer-events:none; font-size: 17px; font-weight: 900; }
select { width:100%; appearance:none; border: 1px solid var(--line); border-radius: 12px; padding: 12px 34px 12px 13px; color: var(--ink); background: var(--paper); outline: none; font-size: 13px; }
select:focus { border-color: var(--coral); box-shadow: 0 0 0 3px rgba(255,91,77,.14); }
.check-row { display:flex; flex-wrap:wrap; gap: 8px; margin-top: 18px; }
.check-pill { display:inline-flex; align-items:center; gap: 8px; padding: 9px 11px; border:1px solid var(--line); border-radius: 999px; color: var(--muted); font-size: 11px; font-weight: 700; background: white; }
.check-pill input { accent-color: var(--coral); }
.results { display:grid; grid-template-columns: repeat(4, 1fr); gap: 9px; padding-top: 23px; margin-top: 22px; border-top: 1px solid var(--line); }
.metric { padding: 13px 12px; border-radius: 15px; background: var(--paper); }
.metric strong { display:block; margin: 4px 0 2px; font-family: "Fraunces", Georgia, serif; font-size: 29px; line-height: 1; letter-spacing: -.05em; }
.metric span { color: var(--muted); font-size: 10px; font-weight: 700; }
.metric.accent { background: var(--coral); color: white; }
.metric.accent span { color: rgba(255,255,255,.78); }
.calc-actions { display:flex; align-items:center; justify-content:space-between; gap: 12px; padding-top: 20px; }
.btn { display:inline-flex; align-items:center; justify-content:center; gap: 8px; border: 0; border-radius: 999px; padding: 13px 17px; color: white; background: var(--coral); font-weight: 800; font-size: 12px; transition: transform .18s ease, background .18s ease; }
.btn:hover { transform: translateY(-2px); background: var(--coral-dark); }
.btn-dark { background: var(--ink); }
.btn-ghost { padding: 10px 0; background: transparent; color: var(--muted); }
.btn-ghost:hover { color: var(--ink); background: transparent; transform:none; }
.calc-footnote { margin: 16px 0 0; color: var(--muted); font-size: 10px; line-height: 1.5; }

.band { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--paper-deep); }
.trust-row { display:flex; justify-content:space-between; gap: 25px; padding: 23px 0; color: var(--muted); font-size: 11px; font-weight: 700; }
.trust-row span { display:flex; align-items:center; gap: 8px; }
.trust-row i { width: 7px; height: 7px; display:inline-block; border-radius: 50%; background: var(--olive); }
.section-head { display:flex; align-items:end; justify-content:space-between; gap: 24px; margin-bottom: 28px; }
.section-head h2 { max-width: 520px; margin: 10px 0 0; font-family: "Fraunces", Georgia, serif; font-size: clamp(31px, 4vw, 50px); line-height: 1; letter-spacing: -.06em; }
.section-head p { max-width: 340px; margin:0; color: var(--muted); font-size: 13px; line-height: 1.6; }
.card-grid { display:grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.guide-card { position:relative; min-height: 235px; display:flex; flex-direction:column; justify-content:space-between; padding: 22px; border: 1px solid var(--line); border-radius: 20px; background: #fffdf8; transition: transform .2s ease, box-shadow .2s ease; }
.guide-card:hover { transform: translateY(-4px); box-shadow: 0 12px 25px rgba(67,54,38,.08); }
.guide-card:nth-child(2) { background: var(--mint); transform: translateY(14px); }
.guide-card:nth-child(2):hover { transform: translateY(10px); }
.guide-card:nth-child(3) { background: #fff5d7; }
.card-kicker { color: var(--coral-dark); font-size: 10px; text-transform:uppercase; letter-spacing:.1em; font-weight:800; }
.guide-card h3 { max-width: 255px; margin: 14px 0 0; font-family: "Fraunces", Georgia, serif; font-size: 27px; line-height:1; letter-spacing:-.05em; }
.card-link { display:inline-flex; align-items:center; gap:7px; margin-top: 24px; color: var(--ink); font-size: 12px; font-weight:800; }
.arrow { color: var(--coral); font-size:18px; }

.brand-strip { display:grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 12px; }
.brand-card { min-height: 170px; display:flex; flex-direction:column; justify-content:space-between; padding: 20px; border-radius: 18px; border:1px solid var(--line); background: var(--ink); color:white; }
.brand-card:nth-child(2) { background: white; color: var(--ink); }
.brand-card:nth-child(3) { background: var(--olive); }
.brand-card small { color: inherit; opacity:.68; font-size:10px; text-transform:uppercase; letter-spacing:.1em; font-weight:800; }
.brand-card h3 { margin: 10px 0 0; font-family:"Fraunces", Georgia, serif; font-size: 30px; letter-spacing:-.05em; }
.brand-card a { font-size:11px; font-weight:800; }

.page-hero { padding: 72px 0 55px; border-bottom:1px solid var(--line); }
.page-hero-grid { display:flex; justify-content:space-between; align-items:end; gap: 40px; }
.page-hero h1 { max-width: 760px; margin: 15px 0 0; font-family:"Fraunces", Georgia, serif; font-size: clamp(44px, 7vw, 74px); line-height:.97; letter-spacing:-.07em; }
.page-hero p { max-width: 360px; margin:0; color:var(--muted); line-height:1.7; font-size:14px; }
.content-grid { display:grid; grid-template-columns: 1.3fr .7fr; gap: 48px; }
.article-list { display:flex; flex-direction:column; gap: 14px; }
.article-row { display:grid; grid-template-columns: 120px 1fr auto; align-items:center; gap: 20px; padding: 17px; border:1px solid var(--line); border-radius: 17px; background:#fffdf8; }
.article-thumb { height: 88px; display:grid; place-items:center; border-radius: 12px; background: var(--mint); font-family:"Fraunces", Georgia, serif; font-size: 31px; color: var(--olive); }
.article-row:nth-child(2) .article-thumb { background:#fff5d7; color:#b68a23; }
.article-row:nth-child(3) .article-thumb { background:#ffe0dc; color:var(--coral-dark); }
.article-row h3 { margin: 5px 0 7px; font-family:"Fraunces", Georgia, serif; font-size: 23px; letter-spacing:-.04em; }
.article-row p { margin:0; color:var(--muted); font-size:12px; line-height:1.5; }
.article-row .card-link { white-space:nowrap; }
.sidebar-note { padding: 24px; border-radius:20px; background:var(--ink); color:white; }
.sidebar-note h2 { margin: 0 0 12px; font-family:"Fraunces", Georgia, serif; font-size: 31px; line-height:1; letter-spacing:-.05em; }
.sidebar-note p { color:rgba(255,255,255,.66); font-size:12px; line-height:1.7; }
.sidebar-note .btn { margin-top: 14px; background: var(--butter); color: var(--ink); }
.article { max-width: 800px; }
.article h2 { margin: 40px 0 14px; font-family:"Fraunces", Georgia, serif; font-size: 34px; letter-spacing:-.05em; }
.article p, .article li { color: var(--muted); line-height:1.85; font-size:15px; }
.article ul { padding-left: 20px; }
.quote { margin: 28px 0; padding: 22px 25px; border-left: 4px solid var(--coral); background: var(--paper-deep); font-family:"Fraunces", Georgia, serif; font-size: 26px; line-height:1.15; letter-spacing:-.04em; }
.callout { margin: 35px 0; padding: 25px; border-radius: 20px; background:var(--mint); }
.callout h3 { margin:0 0 9px; font-family:"Fraunces", Georgia, serif; font-size:26px; letter-spacing:-.04em; }
.callout p { margin:0; }

.footer { border-top:1px solid var(--line); padding: 34px 0; }
.footer-row { display:flex; justify-content:space-between; align-items:start; gap: 30px; }
.footer-copy { max-width: 350px; color:var(--muted); font-size:11px; line-height:1.6; }
.footer-links { display:flex; gap: 18px; color:var(--muted); font-size:11px; font-weight:700; }
.disclaimer { margin-top: 28px; color: var(--muted); font-size: 10px; line-height:1.6; }

@media (max-width: 940px) {
  .hero-grid { grid-template-columns: 1fr; gap: 42px; }
  .hero-copy::after { right: 3%; top: -30px; }
  .card-grid { grid-template-columns: 1fr 1fr; }
  .brand-strip { grid-template-columns: 1fr 1fr; }
  .brand-card:first-child { grid-column: span 2; }
  .content-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .container { width: min(100% - 30px, 1180px); }
  .nav-wrap { padding: 13px 15px; }
  .nav-links { display:none; }
  .mobile-menu { display:block; }
  .nav-wrap:focus-within .nav-links { display:flex; position:absolute; left:15px; right:15px; top:62px; padding:15px; border:1px solid var(--line); border-radius:14px; background:var(--paper); box-shadow:var(--shadow); flex-direction:column; align-items:stretch; }
  .nav-wrap:focus-within .nav-links a { padding:7px; }
  .hero { padding: 48px 0 58px; }
  .display { font-size: clamp(44px, 15vw, 66px); }
  .calc-head { padding: 20px; }
  .calc-body { padding: 20px; }
  .control-grid { grid-template-columns: 1fr; gap: 15px; }
  .results { grid-template-columns: 1fr 1fr; }
  .trust-row { flex-wrap:wrap; gap: 13px 20px; }
  .section { padding: 65px 0; }
  .section-head, .page-hero-grid { display:block; }
  .section-head p, .page-hero p { margin-top:18px; }
  .card-grid, .brand-strip { grid-template-columns:1fr; }
  .brand-card:first-child { grid-column:auto; }
  .guide-card:nth-child(2) { transform:none; }
  .guide-card:nth-child(2):hover { transform:translateY(-4px); }
  .article-row { grid-template-columns: 75px 1fr; }
  .article-thumb { height:75px; }
  .article-row .card-link { grid-column:2; margin-top:0; }
  .footer-row { display:block; }
  .footer-links { margin-top: 20px; flex-wrap:wrap; }
}