:root{
  --ink:#0f241c;
  --ink-soft:#1b3a2e;
  --ledger:#1e5c46;
  --paper:#f2f4ee;
  --card:#fbfcf9;
  --rule:#cbd6c9;
  --muted:#5c6e63;
  --gold:#c9a24b;
  --debit:#b3352b;
  --max:1120px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Public Sans',system-ui,sans-serif;background:var(--paper);color:var(--ink);line-height:1.65}
a{color:inherit}
.wrap{width:min(var(--max),calc(100% - 40px));margin-inline:auto}
.site-head{position:sticky;top:0;z-index:20;background:rgba(15,36,28,.95);border-bottom:1px solid rgba(255,255,255,.1);backdrop-filter:blur(10px)}
.nav{min-height:68px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{text-decoration:none;color:#fff;font-family:'Bricolage Grotesque',sans-serif;font-size:24px;font-weight:800;letter-spacing:-.5px}
.brand sup{color:var(--gold);font-size:14px}
.brand small{font-family:'IBM Plex Mono',monospace;color:rgba(255,255,255,.55);font-size:10px;letter-spacing:1.4px;margin-left:10px;text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:24px}
.nav-links a{color:rgba(255,255,255,.78);font-size:14px;text-decoration:none}
.nav-links a:hover,.nav-links a:focus-visible{color:#fff}
.nav-links .cta{background:var(--gold);color:var(--ink);font-weight:700;padding:9px 15px;border-radius:8px}
.crumbs{padding-top:22px;font-size:13px;color:var(--muted)}
.crumbs a{color:var(--ledger)}
.calc-hero{padding:50px 0 62px;background:linear-gradient(160deg,var(--ink),var(--ink-soft));color:#fff;position:relative;overflow:hidden}
.calc-hero:after{content:"";position:absolute;inset:0;background-image:repeating-linear-gradient(to bottom,transparent 0,transparent 39px,rgba(255,255,255,.04) 39px,rgba(255,255,255,.04) 40px);pointer-events:none}
.calc-hero .wrap{position:relative;z-index:1}
.eyebrow{font:600 12px 'IBM Plex Mono',monospace;letter-spacing:2px;text-transform:uppercase;color:var(--gold);display:block;margin-bottom:13px}
h1,h2,h3{font-family:'Bricolage Grotesque',sans-serif;line-height:1.12;letter-spacing:-.6px}
h1{font-size:clamp(36px,5.5vw,58px);max-width:850px;margin-bottom:18px}
.lead{font-size:18px;color:rgba(255,255,255,.78);max-width:760px}
.updated{display:inline-flex;margin-top:20px;padding:7px 11px;border:1px solid rgba(255,255,255,.2);border-radius:7px;font:500 11px 'IBM Plex Mono',monospace;color:rgba(255,255,255,.68);text-transform:uppercase;letter-spacing:.7px}
.calc-area{padding:64px 0}
.calc-grid{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(320px,.98fr);gap:24px;align-items:start}
.panel{background:var(--card);border:1px solid var(--rule);border-radius:15px;box-shadow:0 12px 34px rgba(15,36,28,.07);overflow:hidden}
.panel-head{padding:22px 25px;border-bottom:1px solid var(--rule)}
.panel-head h2{font-size:24px;margin-bottom:5px}
.panel-head p{font-size:14px;color:var(--muted)}
.form-body{padding:25px}
.field{margin-bottom:19px}
.field:last-child{margin-bottom:0}
.field label,.field legend{font:600 11px 'IBM Plex Mono',monospace;text-transform:uppercase;letter-spacing:1px;color:var(--muted);display:block;margin-bottom:7px}
.field input,.field select{width:100%;border:1px solid var(--rule);border-radius:9px;background:#fff;color:var(--ink);padding:13px 14px;font:600 17px 'Public Sans',sans-serif;min-height:50px}
.field input:focus,.field select:focus{outline:3px solid rgba(201,162,75,.3);border-color:var(--gold)}
.field-help{display:block;color:var(--muted);font-size:12.5px;margin-top:6px}
.segmented{display:grid;grid-template-columns:1fr 1fr;gap:7px;background:var(--paper);padding:5px;border-radius:10px}
.segmented label{margin:0;position:relative}
.segmented input{position:absolute;opacity:0;pointer-events:none}
.segmented span{display:block;text-align:center;padding:10px 8px;border-radius:7px;font-size:14px;font-weight:700;cursor:pointer}
.segmented input:checked+span{background:var(--ink);color:#fff;box-shadow:0 3px 10px rgba(15,36,28,.18)}
.segmented input:focus-visible+span{outline:3px solid var(--gold)}
.result-panel{background:var(--ink);color:#fff;border-color:var(--ink);position:sticky;top:92px}
.result-panel .panel-head{border-color:rgba(255,255,255,.12)}
.result-panel .panel-head p{color:rgba(255,255,255,.58)}
.result-body{padding:14px 25px 25px}
.result-row{display:flex;justify-content:space-between;gap:20px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:14px;color:rgba(255,255,255,.7)}
.result-row strong{color:#fff;font-family:'IBM Plex Mono',monospace;font-size:14px;text-align:right}
.result-group{padding:18px 0 5px;font:600 11px 'IBM Plex Mono',monospace;text-transform:uppercase;letter-spacing:1.2px;color:var(--gold)}
.result-row.sub{padding-left:13px}
.result-row.subtotal{font-weight:700;color:#fff;border-bottom-color:rgba(201,162,75,.38)}
.result-row.subtotal strong{color:var(--gold)}
.result-row.total{margin-top:8px;border:0;padding:18px 0 4px;color:#fff;align-items:end}
.result-row.total span{font-weight:700}
.result-row.total strong{font-family:'Bricolage Grotesque',sans-serif;color:var(--gold);font-size:31px;letter-spacing:-.8px}
.notice{margin-top:18px;border-radius:9px;padding:12px 14px;font-size:12.5px;line-height:1.5;background:rgba(255,255,255,.07);color:rgba(255,255,255,.66)}
.notice.warn{background:rgba(179,53,43,.22);color:#ffd8d3;border:1px solid rgba(255,150,140,.25)}
.content-section{padding:70px 0;background:var(--card);border-top:1px solid var(--rule)}
.content-grid{display:grid;grid-template-columns:1fr 1fr;gap:58px}
.content-section h2{font-size:34px;margin-bottom:18px}
.content-section h3{font-size:19px;margin:25px 0 8px}
.content-section p,.content-section li{color:#405148;font-size:15.5px}
.content-section ul{padding-left:20px;display:grid;gap:8px}
.formula{margin-top:19px;background:var(--paper);border-left:4px solid var(--gold);padding:15px 17px;font:500 13px 'IBM Plex Mono',monospace;color:var(--ledger)}
.sources{margin-top:20px;font-size:13px!important}
.sources a{color:var(--ledger);font-weight:700}
.faq{padding:70px 0}
.faq h2{font-size:34px;margin-bottom:28px}
details{background:var(--card);border:1px solid var(--rule);border-radius:10px;margin-bottom:10px;padding:0 19px}
summary{cursor:pointer;list-style:none;font-weight:700;padding:17px 30px 17px 0;position:relative}
summary:after{content:"+";position:absolute;right:0;font-size:22px;color:var(--ledger);top:11px}
details[open] summary:after{content:"−"}
details p{padding:0 0 17px;color:var(--muted);font-size:14.5px}
.bottom-cta{background:var(--ledger);color:#fff;padding:54px 0}
.bottom-cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:30px}
.bottom-cta h2{font-size:31px;margin-bottom:8px}
.bottom-cta p{color:rgba(255,255,255,.72)}
.button{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;background:var(--gold);color:var(--ink);font-weight:800;padding:13px 21px;border-radius:9px;white-space:nowrap}
footer{background:var(--ink);color:rgba(255,255,255,.55);padding:25px 0;font-size:13px}
footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
footer a{color:#fff}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.tool-card{background:var(--card);border:1px solid var(--rule);border-radius:13px;padding:24px;text-decoration:none;transition:.2s}
.tool-card:hover{transform:translateY(-3px);border-color:var(--ledger);box-shadow:0 12px 30px rgba(15,36,28,.08)}
.tool-no{font:600 11px 'IBM Plex Mono',monospace;color:var(--debit);letter-spacing:1px}
.tool-card h2{font-size:22px;margin:13px 0 8px}
.tool-card p{color:var(--muted);font-size:14px}
.tool-link{display:inline-block;margin-top:18px;color:var(--ledger);font-weight:800;font-size:14px}
@media(max-width:780px){
  .nav-links a:not(.cta){display:none}
  .calc-grid,.content-grid{grid-template-columns:1fr}
  .result-panel{position:static}
  .cards{grid-template-columns:1fr}
  .bottom-cta .wrap{display:block}
  .bottom-cta .button{margin-top:22px}
}
@media(max-width:520px){
  .wrap{width:min(100% - 28px,var(--max))}
  .brand small{display:none}
  .calc-hero{padding:38px 0 48px}
  .calc-area,.content-section,.faq{padding:48px 0}
  .form-body,.panel-head,.result-body{padding-left:19px;padding-right:19px}
  .result-row.total{display:block}
  .result-row.total strong{display:block;text-align:left;margin-top:4px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.tool-card{transition:none}}