:root {
    --bg: #f3f5f7;
    --bg-strong: #eceff2;
    --surface: #ffffff;
    --surface-soft: #f8f9fa;
    --text: #121417;
    --muted: #707781;
    --muted-strong: #505760;
    --line: #e4e7eb;
    --line-strong: #cfd4da;
    --accent: #ffd21c;
    --accent-hover: #f6c900;
    --accent-soft: #fff7cf;
    --accent-ink: #17191c;
    --dark: #15181c;
    --dark-2: #20242a;
    --dark-3: #2b3037;
    --success: #16845b;
    --success-soft: #eaf8f2;
    --warning: #956200;
    --warning-soft: #fff7df;
    --danger: #c2352b;
    --danger-soft: #fff0ef;
    --radius-lg: 24px;
    --radius-md: 16px;
    --radius-sm: 12px;
    --shadow-card: 0 18px 50px rgba(18, 20, 23, 0.055);
    --shadow-focus: 0 0 0 4px rgba(255, 210, 28, 0.24);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
    margin: 0;
    min-width: 320px;
    font-family: "Manrope", "Inter", ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    background:
        radial-gradient(circle at 8% 2%, rgba(255,210,28,.10), transparent 26rem),
        linear-gradient(180deg, #f8f9fa 0, var(--bg) 31rem, var(--bg) 100%);
    color: var(--text);
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
}
body::before {
    content: "";
    position: fixed;
    inset: 0;
    pointer-events: none;
    background-image: linear-gradient(rgba(18,20,23,.018) 1px, transparent 1px), linear-gradient(90deg, rgba(18,20,23,.018) 1px, transparent 1px);
    background-size: 48px 48px;
    mask-image: linear-gradient(to bottom, #000, transparent 34rem);
    z-index: -1;
}
button, input { font: inherit; }
button { cursor: pointer; }
input::-webkit-outer-spin-button,
input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
input[type="number"] { appearance: textfield; -moz-appearance: textfield; }
[hidden] { display: none !important; }

.container { width: min(1200px, calc(100% - 48px)); margin-inline: auto; }

.hero { padding: 70px 0 42px; }
.eyebrow {
    margin: 0 0 12px;
    text-transform: uppercase;
    letter-spacing: .12em;
    font-size: 11px;
    font-weight: 850;
    color: var(--muted-strong);
}
h1 {
    margin: 0;
    max-width: 900px;
    font-size: clamp(42px, 5.4vw, 70px);
    line-height: .98;
    letter-spacing: -.055em;
    font-weight: 850;
}
.hero__lead {
    max-width: 760px;
    margin: 22px 0 0;
    color: var(--muted-strong);
    font-size: clamp(18px, 1.7vw, 21px);
    line-height: 1.55;
}
.hero__meta {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-top: 24px;
}
.hero__meta span {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    min-height: 34px;
    padding: 7px 11px;
    border: 1px solid rgba(18,20,23,.08);
    border-radius: 999px;
    background: rgba(255,255,255,.64);
    backdrop-filter: blur(8px);
    color: var(--muted-strong);
    font-size: 12px;
    font-weight: 700;
}
.hero__meta span::before {
    content: "✓";
    display: grid;
    place-items: center;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--accent);
    color: var(--accent-ink);
    font-size: 11px;
    font-weight: 900;
}

.calculator-layout {
    display: grid;
    grid-template-columns: minmax(0, 690px) minmax(360px, 1fr);
    gap: 24px;
    align-items: start;
    padding-bottom: 96px;
}
.calculator-form { display: grid; gap: 16px; }
.card {
    background: rgba(255,255,255,.94);
    border: 1px solid rgba(18,20,23,.075);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-card);
}
.section-card {
    position: relative;
    padding: 26px;
    overflow: hidden;
    transition: border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.section-card::after {
    content: "";
    position: absolute;
    right: -42px;
    top: -56px;
    width: 130px;
    height: 130px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255,210,28,.12), transparent 68%);
    pointer-events: none;
}
.section-card:focus-within {
    border-color: rgba(18,20,23,.16);
    box-shadow: 0 22px 64px rgba(18,20,23,.08);
}
.section-card__header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    margin-bottom: 26px;
}
.section-card__header > div { display: flex; align-items: center; gap: 12px; }
.section-card h2, .result-card h2 {
    margin: 0;
    font-size: 22px;
    line-height: 1.2;
    letter-spacing: -.025em;
    font-weight: 800;
}
.section-number {
    width: 34px;
    height: 34px;
    flex: 0 0 auto;
    border-radius: 11px;
    display: grid;
    place-items: center;
    background: var(--dark);
    color: #fff;
    font-weight: 850;
    font-size: 13px;
    box-shadow: inset 0 -1px 0 rgba(255,255,255,.08);
}
.status-badge {
    padding: 7px 10px;
    border-radius: 999px;
    background: var(--surface-soft);
    border: 1px solid var(--line);
    color: var(--muted);
    font-size: 11px;
    font-weight: 800;
    white-space: nowrap;
}
.status-badge.is-complete {
    color: var(--success);
    background: var(--success-soft);
    border-color: rgba(22,132,91,.14);
}
.status-badge--neutral { background: transparent; }

.field-group { border: 0; padding: 0; margin: 0 0 22px; }
.field-group legend {
    margin-bottom: 11px;
    font-size: 13px;
    font-weight: 800;
    color: var(--muted-strong);
}
.segmented {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 4px;
    padding: 4px;
    border: 1px solid var(--line);
    border-radius: 14px;
    background: var(--surface-soft);
}
.segmented label, .choice-chips label { position: relative; }
.segmented input, .choice-chips input { position: absolute; opacity: 0; pointer-events: none; }
.segmented span {
    display: grid;
    place-items: center;
    min-height: 46px;
    border-radius: 10px;
    font-size: 14px;
    font-weight: 800;
    color: var(--muted);
    transition: background .18s ease, color .18s ease, transform .18s ease, box-shadow .18s ease;
}
.segmented label:hover span { color: var(--text); }
.segmented input:checked + span {
    background: var(--dark);
    color: #fff;
    box-shadow: 0 5px 14px rgba(18,20,23,.15);
}
.segmented input:focus-visible + span,
.choice-chips input:focus-visible + span { outline: 3px solid rgba(255,210,28,.48); outline-offset: 2px; }
.segmented--compact span { min-height: 44px; }

.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 19px 16px; }
.form-grid--single { grid-template-columns: minmax(0, 313px); }
.field { display: grid; gap: 8px; align-content: start; min-width: 0; }
.field__label { font-size: 13px; font-weight: 800; color: var(--muted-strong); }
.field__hint, .field__message { min-height: 17px; color: var(--muted); font-size: 11px; line-height: 1.45; }
.field__message:empty { display: none; }
.field__message.is-warning { color: var(--warning); }
.input-shell {
    min-height: 54px;
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 0 14px 0 16px;
    border: 1px solid var(--line-strong);
    border-radius: 13px;
    background: #fff;
    transition: border-color .18s ease, box-shadow .18s ease, background .18s ease;
}
.input-shell:hover { border-color: #b8bec5; }
.input-shell:focus-within {
    border-color: var(--accent-hover);
    box-shadow: var(--shadow-focus);
    background: #fffef9;
}
.input-shell input {
    width: 100%;
    min-width: 0;
    border: 0;
    outline: 0;
    background: transparent;
    font-size: 18px;
    font-weight: 700;
    letter-spacing: -.015em;
    color: var(--text);
}
.input-shell input::placeholder { color: #adb3ba; font-weight: 600; }
.input-shell span { color: var(--muted); white-space: nowrap; font-size: 12px; font-weight: 700; }

.summary-strip {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    margin-top: 26px;
    border: 1px solid var(--line);
    border-radius: 15px;
    overflow: hidden;
    background: var(--surface-soft);
}
.summary-strip--two { grid-template-columns: repeat(2,1fr); }
.summary-strip > div {
    position: relative;
    display: grid;
    gap: 7px;
    padding: 16px;
    background: transparent;
}
.summary-strip > div + div::before {
    content: "";
    position: absolute;
    left: 0;
    top: 12px;
    bottom: 12px;
    width: 1px;
    background: var(--line);
}
.summary-strip span { color: var(--muted); font-size: 11px; font-weight: 700; }
.summary-strip strong { font-size: 18px; letter-spacing: -.02em; }

.metric-box {
    min-height: 94px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 7px;
    padding: 16px;
    background: linear-gradient(135deg, var(--accent-soft), #fffaf0);
    border: 1px solid rgba(255,210,28,.34);
    border-radius: 14px;
}
.metric-box span { font-size: 12px; color: var(--muted-strong); font-weight: 700; }
.metric-box strong { font-size: 22px; letter-spacing: -.03em; }
.link-button {
    width: fit-content;
    padding: 4px 0 0;
    border: 0;
    background: transparent;
    color: var(--text);
    text-align: left;
    font-weight: 850;
    font-size: 12px;
    text-decoration: underline;
    text-underline-offset: 3px;
    text-decoration-color: rgba(18,20,23,.25);
}
.link-button:disabled { opacity: .4; cursor: not-allowed; }

.advanced-panel {
    margin-top: 22px;
    border: 1px solid var(--line);
    border-radius: 15px;
    overflow: hidden;
    background: var(--surface-soft);
}
.advanced-panel summary {
    position: relative;
    padding: 17px 48px 17px 17px;
    cursor: pointer;
    list-style: none;
    font-weight: 800;
    font-size: 13px;
    color: var(--muted-strong);
}
.advanced-panel summary::-webkit-details-marker { display: none; }
.advanced-panel summary::after {
    content: "+";
    position: absolute;
    right: 16px;
    top: 50%;
    width: 24px;
    height: 24px;
    translate: 0 -50%;
    display: grid;
    place-items: center;
    border-radius: 8px;
    background: #fff;
    border: 1px solid var(--line);
    font-size: 17px;
    line-height: 1;
    transition: transform .2s ease;
}
.advanced-panel[open] summary::after { transform: rotate(45deg); }
.advanced-panel[open] summary { color: var(--text); }
.advanced-panel__content { padding: 2px 16px 18px; }
.inline-error { margin: 0; padding: 0 16px 16px; color: var(--danger); font-size: 12px; }

.choice-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.choice-chips span {
    display: block;
    padding: 10px 14px;
    border: 1px solid var(--line-strong);
    border-radius: 999px;
    background: #fff;
    font-size: 13px;
    font-weight: 800;
    color: var(--muted-strong);
    transition: .18s ease;
}
.choice-chips label:hover span { border-color: #aab1b9; color: var(--text); }
.choice-chips input:checked + span {
    background: var(--accent);
    color: var(--accent-ink);
    border-color: var(--accent);
    box-shadow: 0 6px 16px rgba(255,210,28,.22);
}
.check-row { display: flex; align-items: center; gap: 10px; margin: 18px 0; font-size: 13px; font-weight: 800; color: var(--muted-strong); }
.check-row input { width: 18px; height: 18px; accent-color: var(--dark); }
.check-row--card {
    margin: 0;
    padding: 15px;
    border: 1px solid var(--line);
    border-radius: 13px;
    background: #fff;
}
.divider { border: 0; border-top: 1px solid var(--line); margin: 26px 0; }

.stacked-options { display: grid; gap: 9px; }
.stacked-options label {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    padding: 15px;
    border: 1px solid var(--line);
    border-radius: 13px;
    background: #fff;
    transition: border-color .18s ease, background .18s ease;
}
.stacked-options label:has(input:checked) { border-color: rgba(255,210,28,.9); background: #fffdf4; }
.stacked-options input { margin-top: 3px; accent-color: var(--dark); }
.stacked-options span { display: grid; gap: 4px; }
.stacked-options strong { font-size: 13px; }
.stacked-options small { color: var(--muted); font-size: 11px; }
.section-intro { margin: -10px 0 22px; color: var(--muted); line-height: 1.55; font-size: 14px; }
.reset-button {
    justify-self: start;
    border: 0;
    background: transparent;
    color: var(--muted);
    font-weight: 750;
    padding: 12px 2px;
    transition: color .18s ease;
}
.reset-button:hover { color: var(--danger); }

.result-column { position: sticky; top: 24px; }
.result-card {
    position: relative;
    padding: 28px;
    overflow: hidden;
    background:
        radial-gradient(circle at 92% 8%, rgba(255,210,28,.17), transparent 12rem),
        linear-gradient(155deg, var(--dark) 0%, #181c21 70%, #20252b 100%);
    border-color: rgba(255,255,255,.05);
    color: #fff;
    box-shadow: 0 28px 70px rgba(18,20,23,.20);
}
.result-card::after {
    content: "";
    position: absolute;
    inset: 0;
    pointer-events: none;
    background-image: linear-gradient(rgba(255,255,255,.024) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.024) 1px, transparent 1px);
    background-size: 28px 28px;
    mask-image: linear-gradient(to bottom, #000, transparent 55%);
}
.result-card > * { position: relative; z-index: 1; }
.result-card .eyebrow { color: #aab1ba; margin: 0; }
.result-card__topline {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 18px;
}
.live-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: #b8bec6;
    font-size: 10px;
    font-weight: 700;
    white-space: nowrap;
}
.live-badge i {
    width: 7px;
    height: 7px;
    border-radius: 50%;
    background: var(--accent);
    box-shadow: 0 0 0 4px rgba(255,210,28,.13);
}
.result-empty { padding: 8px 0 8px; }
.result-empty h2 { font-size: 25px; margin-top: 4px; }
.result-empty p { color: #aeb4bc; line-height: 1.55; font-size: 14px; }
.progress-list { display: grid; gap: 11px; padding: 0; margin: 22px 0 0; list-style: none; }
.progress-list li { color: #9299a2; font-size: 13px; }
.progress-list li::before { content: '○'; margin-right: 8px; color: #68717b; }
.progress-list li.is-complete { color: #fff; font-weight: 750; }
.progress-list li.is-complete::before { content: '✓'; color: var(--accent); }
.result-main { display: grid; gap: 7px; margin: 6px 0 25px; }
.result-main strong {
    font-size: clamp(46px, 5vw, 64px);
    line-height: .98;
    letter-spacing: -.055em;
    font-weight: 850;
    color: #fff;
}
.result-main span { color: #aeb4bc; font-size: 14px; }
.result-main.is-negative strong { color: #ff8e86; }
.result-metrics {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    border: 1px solid rgba(255,255,255,.11);
    border-radius: 14px;
    overflow: hidden;
    background: rgba(255,255,255,.035);
}
.result-metrics > div {
    display: grid;
    gap: 5px;
    padding: 15px 12px;
    border-right: 1px solid rgba(255,255,255,.10);
}
.result-metrics > div:last-child { border-right: 0; }
.result-metrics strong { font-size: 16px; color: #fff; letter-spacing: -.02em; }
.result-metrics span { font-size: 10px; color: #929aa3; }
.result-breakdown {
    display: grid;
    gap: 12px;
    margin-top: 25px;
    padding-top: 23px;
    border-top: 1px solid rgba(255,255,255,.10);
}
.result-breakdown > div { display: flex; justify-content: space-between; gap: 16px; font-size: 13px; }
.result-breakdown span { color: #9da5ae; }
.result-breakdown strong { color: #fff; }
.result-breakdown__total { padding-top: 13px; border-top: 1px dashed rgba(255,255,255,.14); }
.result-breakdown__total span, .result-breakdown__total strong { color: #fff; font-weight: 850; }
.result-insight {
    margin: 24px 0 0;
    padding: 17px;
    border-radius: 14px;
    background: var(--accent);
    color: var(--accent-ink);
    font-size: 13px;
    font-weight: 800;
    line-height: 1.5;
}
.expense-list { display: grid; gap: 15px; margin-top: 25px; }
.expense-row { display: grid; gap: 7px; }
.expense-row__top { display: flex; justify-content: space-between; gap: 16px; font-size: 12px; }
.expense-row__top span { color: #aeb4bc; }
.expense-row__top strong { color: #fff; }
.expense-row__bar { height: 6px; background: rgba(255,255,255,.08); border-radius: 999px; overflow: hidden; }
.expense-row__bar span { display: block; height: 100%; background: var(--accent); border-radius: inherit; }
.break-even-box {
    display: grid;
    gap: 6px;
    margin-top: 25px;
    padding: 17px;
    border: 1px solid rgba(255,255,255,.11);
    border-radius: 14px;
    background: rgba(255,255,255,.035);
}
.break-even-box span, .break-even-box small { color: #9da5ae; }
.break-even-box span { font-size: 12px; font-weight: 700; }
.break-even-box strong { font-size: 25px; color: #fff; letter-spacing: -.03em; }
.break-even-box small { font-size: 10px; }
.warning-box {
    margin-top: 16px;
    padding: 15px;
    border-radius: 13px;
    background: rgba(255,210,28,.11);
    border: 1px solid rgba(255,210,28,.18);
    color: #ffe987;
    line-height: 1.5;
    font-size: 12px;
}
.mobile-result-bar, .mobile-sheet { display: none; }

@media (max-width: 1080px) {
    .calculator-layout { grid-template-columns: minmax(0, 1fr) 410px; }
    .container { width: min(100% - 36px, 1000px); }
}

@media (max-width: 960px) {
    .container { width: min(100% - 32px, 760px); }
    .hero { padding: 46px 0 30px; }
    h1 { font-size: clamp(40px, 8vw, 58px); }
    .hero__lead { font-size: 17px; }
    .calculator-layout { grid-template-columns: 1fr; padding-bottom: 108px; }
    .result-column { display: none; }
    .mobile-result-bar {
        display: flex;
        position: fixed;
        z-index: 30;
        left: 12px;
        right: 12px;
        bottom: 12px;
        min-height: 66px;
        padding: 10px 10px 10px 15px;
        align-items: center;
        justify-content: space-between;
        gap: 12px;
        background: rgba(21,24,28,.96);
        color: #fff;
        border: 1px solid rgba(255,255,255,.08);
        border-radius: 18px;
        box-shadow: 0 18px 50px rgba(18,20,23,.25);
        backdrop-filter: blur(14px);
    }
    .mobile-result-bar > div { display: grid; gap: 2px; }
    .mobile-result-bar span { color: #9da5ae; font-size: 10px; }
    .mobile-result-bar strong { font-size: 20px; letter-spacing: -.025em; }
    .mobile-result-bar button {
        border: 0;
        background: var(--accent);
        color: var(--accent-ink);
        padding: 11px 14px;
        border-radius: 12px;
        font-weight: 850;
        font-size: 12px;
    }
    .mobile-sheet.is-open { display: block; position: fixed; inset: 0; z-index: 50; }
    .mobile-sheet__backdrop { position: absolute; inset: 0; border: 0; background: rgba(0,0,0,.48); width: 100%; backdrop-filter: blur(3px); }
    .mobile-sheet__panel {
        position: absolute;
        left: 0;
        right: 0;
        bottom: 0;
        padding: 16px 20px calc(24px + env(safe-area-inset-bottom));
        background: var(--dark);
        color: #fff;
        border-radius: 26px 26px 0 0;
        max-height: 86vh;
        overflow-y: auto;
        box-shadow: 0 -24px 70px rgba(0,0,0,.25);
    }
    .mobile-sheet .eyebrow { color: #9da5ae; }
    .mobile-sheet__handle { width: 44px; height: 5px; border-radius: 999px; background: var(--dark-3); margin: 0 auto 15px; }
    .mobile-sheet__close { position: absolute; right: 16px; top: 14px; width: 36px; height: 36px; border: 0; border-radius: 50%; background: var(--dark-2); color: #fff; font-size: 24px; line-height: 1; }
}

@media (max-width: 620px) {
    body { background: var(--bg); }
    body::before { display: none; }
    .container { width: calc(100% - 24px); }
    .hero { padding: 30px 0 22px; }
    h1 { font-size: 38px; line-height: 1; letter-spacing: -.045em; }
    .hero__lead { margin-top: 16px; font-size: 15px; line-height: 1.5; }
    .hero__meta { margin-top: 17px; gap: 6px; }
    .hero__meta span { min-height: 30px; padding: 6px 9px; font-size: 10px; }
    .hero__meta span::before { width: 15px; height: 15px; font-size: 9px; }
    .calculator-form { gap: 12px; }
    .section-card { padding: 20px 16px; border-radius: 20px; }
    .section-card__header { align-items: flex-start; margin-bottom: 22px; }
    .section-card h2 { font-size: 19px; }
    .section-number { width: 31px; height: 31px; border-radius: 10px; }
    .status-badge { display: none; }
    .form-grid { grid-template-columns: 1fr; gap: 16px; }
    .form-grid--single { grid-template-columns: 1fr; }
    .input-shell { min-height: 52px; }
    .input-shell input { font-size: 17px; }
    .summary-strip { grid-template-columns: 1fr; }
    .summary-strip--two { grid-template-columns: 1fr 1fr; }
    .summary-strip > div { padding: 13px 14px; }
    .summary-strip:not(.summary-strip--two) > div + div::before { top: 0; left: 14px; right: 14px; bottom: auto; width: auto; height: 1px; }
    .choice-chips { gap: 7px; }
    .choice-chips span { padding: 9px 12px; font-size: 12px; }
    .advanced-panel__content { grid-template-columns: 1fr; }
    .metric-box { min-height: 86px; }
    .result-metrics > div { padding: 13px 9px; }
    .result-metrics strong { font-size: 14px; }
    .mobile-sheet .result-main strong { font-size: 46px; }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .001ms !important; animation-duration: .001ms !important; animation-iteration-count: 1 !important; }
}

@media (max-width: 620px) {
    .summary-strip:not(.summary-strip--two) {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }
    .summary-strip:not(.summary-strip--two) > div {
        min-width: 0;
        padding: 13px 10px;
    }
    .summary-strip:not(.summary-strip--two) > div + div::before {
        top: 10px;
        bottom: 10px;
        left: 0;
        right: auto;
        width: 1px;
        height: auto;
    }
    .summary-strip:not(.summary-strip--two) strong {
        font-size: 15px;
        white-space: nowrap;
    }
    .summary-strip:not(.summary-strip--two) span {
        font-size: 9px;
    }
}

/* Starter example notice */
.sample-note {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    padding: 16px 18px;
    border: 1px solid rgba(18,20,23,.09);
    border-radius: 16px;
    background: rgba(255,255,255,.72);
    box-shadow: 0 10px 28px rgba(18,20,23,.045);
}
.sample-note > div { display: grid; gap: 4px; min-width: 0; }
.sample-note strong { font-size: 13px; letter-spacing: -.01em; }
.sample-note p { margin: 0; color: var(--muted); font-size: 12px; line-height: 1.45; }
.sample-note button {
    flex: 0 0 auto;
    min-height: 38px;
    padding: 9px 12px;
    border: 1px solid rgba(18,20,23,.10);
    border-radius: 11px;
    background: #fff;
    color: var(--text);
    font: inherit;
    font-size: 11px;
    font-weight: 800;
    cursor: pointer;
    transition: transform .18s ease, border-color .18s ease, background .18s ease;
}
.sample-note button:hover { transform: translateY(-1px); border-color: rgba(18,20,23,.18); background: #fffdf5; }

.field__hint {
    display: block;
    margin-top: 6px;
    color: var(--muted);
    font-size: 11px;
    line-height: 1.45;
}

@media (max-width: 620px) {
    .sample-note { align-items: flex-start; padding: 14px; border-radius: 15px; }
    .sample-note p { font-size: 11px; }
    .sample-note button { min-height: 36px; padding: 8px 10px; }
}

/* SEO content and in-page navigation */
.section-nav {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-top: 24px;
}
.section-nav a {
    display: inline-flex;
    align-items: center;
    min-height: 38px;
    padding: 8px 12px;
    border: 1px solid rgba(18,20,23,.09);
    border-radius: 999px;
    background: rgba(255,255,255,.72);
    color: var(--text);
    text-decoration: none;
    font-size: 12px;
    font-weight: 800;
    transition: transform .18s ease, border-color .18s ease, background .18s ease;
}
.section-nav a:hover {
    transform: translateY(-1px);
    border-color: rgba(18,20,23,.18);
    background: #fff;
}


.product-analysis {
    display: grid;
    gap: 20px;
    margin-top: -48px;
    padding-bottom: 96px;
}
.analysis-heading {
    display: grid;
    gap: 10px;
    max-width: 800px;
}
.analysis-heading .eyebrow { margin-bottom: 0; }
.analysis-heading h2 {
    margin: 0;
    font-size: clamp(34px, 4vw, 52px);
    line-height: 1.02;
    letter-spacing: -.045em;
}
.analysis-heading > p:last-child {
    max-width: 720px;
    margin: 0;
    color: var(--muted-strong);
    font-size: 16px;
    line-height: 1.6;
}
.insight-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 16px;
}
.insight-card {
    display: grid;
    align-content: start;
    gap: 10px;
    min-height: 230px;
    padding: 24px;
    border: 1px solid var(--line);
    border-radius: 20px;
    background: rgba(255,255,255,.94);
    box-shadow: var(--shadow-card);
}
.insight-card__label {
    color: var(--muted);
    font-size: 11px;
    font-weight: 850;
    text-transform: uppercase;
    letter-spacing: .08em;
}
.insight-card strong {
    margin-top: 18px;
    font-size: clamp(25px, 2.7vw, 38px);
    line-height: 1.05;
    letter-spacing: -.04em;
}
.insight-card b {
    font-size: 19px;
    letter-spacing: -.02em;
}
.insight-card p {
    margin: auto 0 0;
    color: var(--muted-strong);
    font-size: 13px;
    line-height: 1.55;
}
.insight-card--accent {
    background:
        radial-gradient(circle at 92% 10%, rgba(255,255,255,.34), transparent 9rem),
        var(--accent);
    border-color: rgba(149,98,0,.08);
}
.insight-card--accent .insight-card__label,
.insight-card--accent p { color: #5e5000; }
.insight-card strong.is-negative { color: var(--danger); }

.scenario-compare {
    padding: 30px;
}
.scenario-compare__header {
    display: flex;
    justify-content: space-between;
    gap: 24px;
    margin-bottom: 24px;
}
.scenario-compare__header h2 {
    margin: 0;
    font-size: clamp(30px, 3.6vw, 46px);
    line-height: 1.04;
    letter-spacing: -.04em;
}
.scenario-compare__header p:last-child {
    max-width: 760px;
    margin: 14px 0 0;
    color: var(--muted-strong);
    line-height: 1.6;
    font-size: 14px;
}
.scenario-compare__body {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}
.scenario-card {
    display: grid;
    align-content: start;
    gap: 18px;
    min-height: 330px;
    padding: 24px;
    border: 1px solid var(--line);
    border-radius: 18px;
    background: var(--surface-soft);
}
.scenario-card--current {
    background:
        radial-gradient(circle at 100% 0, rgba(255,210,28,.12), transparent 14rem),
        var(--dark);
    border-color: rgba(255,255,255,.05);
    color: #fff;
}
.scenario-card__tag {
    justify-self: start;
    display: inline-flex;
    min-height: 28px;
    align-items: center;
    padding: 5px 9px;
    border-radius: 999px;
    background: rgba(18,20,23,.06);
    color: var(--muted-strong);
    font-size: 10px;
    font-weight: 850;
    text-transform: uppercase;
    letter-spacing: .07em;
}
.scenario-card--current .scenario-card__tag {
    background: rgba(255,255,255,.08);
    color: #aeb4bc;
}
.scenario-card h3 {
    margin: 0;
    font-size: 28px;
    line-height: 1.05;
    letter-spacing: -.035em;
}
.scenario-card dl {
    display: grid;
    gap: 12px;
    margin: auto 0 0;
}
.scenario-card dl div {
    display: flex;
    justify-content: space-between;
    gap: 18px;
    padding-top: 12px;
    border-top: 1px solid var(--line);
}
.scenario-card--current dl div { border-top-color: rgba(255,255,255,.11); }
.scenario-card dt {
    color: var(--muted);
    font-size: 12px;
}
.scenario-card--current dt { color: #9da5ae; }
.scenario-card dd {
    margin: 0;
    font-weight: 850;
    letter-spacing: -.02em;
}
.comparison-fields {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
}
.comparison-fields .field:last-child:nth-child(odd) {
    grid-column: 1 / -1;
}
.scenario-card__result {
    margin-top: 4px !important;
}
.comparison-verdict {
    display: grid;
    gap: 8px;
    margin-top: 16px;
    padding: 22px 24px;
    border-radius: 16px;
    background: var(--accent-soft);
    border: 1px solid rgba(149,98,0,.08);
}
.comparison-verdict strong {
    font-size: 22px;
    letter-spacing: -.025em;
}
.comparison-verdict p {
    max-width: 900px;
    margin: 0;
    color: var(--muted-strong);
    font-size: 13px;
    line-height: 1.55;
}

@media (max-width: 960px) {
    .product-analysis { margin-top: -44px; }
    .insight-grid { grid-template-columns: 1fr; }
    .insight-card { min-height: 190px; }
    .scenario-compare__body { grid-template-columns: 1fr; }
}

@media (max-width: 620px) {
    .product-analysis {
        width: min(100% - 24px, 1200px);
        margin-top: -64px;
        padding-bottom: 72px;
    }
    .analysis-heading h2 { font-size: 34px; }
    .analysis-heading > p:last-child { font-size: 14px; }
    .insight-grid { gap: 10px; }
    .insight-card {
        min-height: 175px;
        padding: 20px;
        border-radius: 18px;
    }
    .insight-card strong { font-size: 29px; }
    .scenario-compare {
        padding: 22px 16px;
        border-radius: 20px;
    }
    .scenario-compare__header h2 { font-size: 32px; }
    .scenario-card {
        min-height: auto;
        padding: 18px;
    }
    .scenario-card h3 { font-size: 24px; }
    .comparison-fields { grid-template-columns: 1fr; }
    .comparison-fields .field:last-child:nth-child(odd) { grid-column: auto; }
    .comparison-verdict { padding: 18px; }
    .comparison-verdict strong { font-size: 19px; }
}

.seo-content {
    display: grid;
    gap: 24px;
    padding-bottom: 88px;
}
.seo-section {
    min-width: 0;
    padding: 52px;
    border: 1px solid rgba(18,20,23,.075);
    border-radius: 28px;
    background: rgba(255,255,255,.86);
    box-shadow: var(--shadow-card);
    scroll-margin-top: 24px;
}
.seo-section--lead {
    background:
        radial-gradient(circle at 95% 0%, rgba(255,210,28,.20), transparent 22rem),
        rgba(255,255,255,.92);
}
.seo-section h2 {
    max-width: 900px;
    margin: 0;
    font-size: clamp(32px, 4vw, 52px);
    line-height: 1.04;
    letter-spacing: -.045em;
    font-weight: 850;
}
.seo-section h3 {
    margin: 0;
    font-size: 20px;
    line-height: 1.25;
    letter-spacing: -.025em;
}
.seo-section p {
    color: var(--muted-strong);
    line-height: 1.7;
}
.seo-lead {
    max-width: 900px;
    margin: 22px 0 0;
    font-size: 19px;
}
.section-heading {
    display: grid;
    gap: 0;
    max-width: 900px;
    margin-bottom: 30px;
}
.section-heading > p:last-child {
    max-width: 820px;
    margin: 18px 0 0;
    font-size: 16px;
}
.formula-card {
    display: grid;
    gap: 8px;
    margin-top: 30px;
    padding: 24px;
    border-radius: 20px;
    background: var(--dark);
    color: #fff;
}
.formula-card span {
    color: #aeb4bc;
    font-size: 12px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .08em;
}
.formula-card strong {
    font-size: clamp(19px, 2.5vw, 30px);
    line-height: 1.35;
    letter-spacing: -.025em;
}
.seo-grid {
    display: grid;
    gap: 16px;
    margin-top: 24px;
}
.seo-grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.info-card {
    min-height: 250px;
    padding: 24px;
    border: 1px solid var(--line);
    border-radius: 20px;
    background: rgba(248,249,250,.84);
}
.info-card__number {
    display: inline-grid;
    place-items: center;
    width: 38px;
    height: 38px;
    margin-bottom: 48px;
    border-radius: 12px;
    background: var(--accent);
    color: var(--accent-ink);
    font-size: 12px;
    font-weight: 900;
}
.info-card p { margin: 12px 0 0; font-size: 14px; }

.factor-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1px;
    overflow: hidden;
    border: 1px solid var(--line);
    border-radius: 20px;
    background: var(--line);
}
.factor-grid article {
    min-height: 190px;
    padding: 24px;
    background: #fff;
}
.factor-grid strong {
    display: block;
    font-size: 17px;
    letter-spacing: -.02em;
}
.factor-grid p { margin: 12px 0 0; font-size: 13px; }

.seo-split {
    display: grid;
    grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr);
    gap: 64px;
    align-items: start;
}
.prose { display: grid; gap: 18px; }
.prose p { margin: 0; font-size: 16px; }
.prose strong { color: var(--text); }

.comparison-table {
    min-width: 0;
    max-width: 100%;
    overflow: hidden;
    border: 1px solid var(--line);
    border-radius: 20px;
}
.comparison-row {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 0;
    background: #fff;
}
.comparison-row + .comparison-row { border-top: 1px solid var(--line); }
.comparison-row > * {
    display: flex;
    align-items: center;
    min-height: 72px;
    padding: 16px 18px;
    font-size: 13px;
    line-height: 1.45;
}
.comparison-row > * + * { border-left: 1px solid var(--line); }
.comparison-row > span:first-child { font-weight: 800; color: var(--text); }
.comparison-row--head {
    background: var(--dark);
    color: #fff;
}
.comparison-row--head > * { min-height: 58px; color: #fff !important; }
.comparison-row--head > * + * { border-left-color: rgba(255,255,255,.12); }
.note-card {
    display: grid;
    gap: 8px;
    margin-top: 20px;
    padding: 22px;
    border-radius: 18px;
    background: var(--accent-soft);
    border: 1px solid rgba(149,98,0,.08);
}
.note-card strong { font-size: 16px; }
.note-card p { margin: 0; font-size: 14px; }

.cost-list {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}
.cost-list article {
    display: grid;
    grid-template-columns: 44px 1fr;
    gap: 16px;
    min-height: 180px;
    padding: 22px;
    border: 1px solid var(--line);
    border-radius: 18px;
    background: #fff;
}
.cost-list article > span {
    display: grid;
    place-items: center;
    align-self: start;
    width: 40px;
    height: 40px;
    border-radius: 12px;
    background: var(--dark);
    color: #fff;
    font-size: 11px;
    font-weight: 900;
}
.cost-list h3 { font-size: 17px; }
.cost-list p { margin: 10px 0 0; font-size: 13px; }

.tax-section {
    display: grid;
    grid-template-columns: minmax(0, 1.35fr) minmax(320px, .65fr);
    gap: 40px;
    background: var(--dark);
    color: #fff;
}
.tax-section .eyebrow,
.tax-section p { color: #aeb4bc; }
.tax-section h2 { color: #fff; }
.tax-section__main > p:not(.eyebrow) { max-width: 760px; margin: 20px 0 0; }
.source-link {
    display: inline-flex;
    margin-top: 22px;
    padding: 11px 14px;
    border-radius: 12px;
    background: var(--accent);
    color: var(--accent-ink);
    text-decoration: none;
    font-size: 12px;
    font-weight: 900;
}
.tax-facts {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
}
.tax-facts div {
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    min-height: 150px;
    padding: 18px;
    border: 1px solid rgba(255,255,255,.10);
    border-radius: 16px;
    background: rgba(255,255,255,.045);
}
.tax-facts strong {
    font-size: clamp(24px, 2.5vw, 34px);
    letter-spacing: -.04em;
    color: var(--accent);
}
.tax-facts span { color: #aeb4bc; font-size: 12px; line-height: 1.45; }

.steps-list { display: grid; gap: 0; }
.steps-list article {
    padding: 20px 0;
    border-top: 1px solid var(--line);
}
.steps-list article:first-child { padding-top: 0; border-top: 0; }
.steps-list strong { display: block; font-size: 17px; letter-spacing: -.02em; }
.steps-list p { margin: 8px 0 0; font-size: 14px; }

.faq-list { display: grid; gap: 10px; }
.faq-list details {
    border: 1px solid var(--line);
    border-radius: 16px;
    background: #fff;
    overflow: hidden;
}
.faq-list summary {
    position: relative;
    list-style: none;
    padding: 20px 56px 20px 20px;
    font-size: 16px;
    font-weight: 800;
    cursor: pointer;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
    content: "+";
    position: absolute;
    top: 50%;
    right: 20px;
    transform: translateY(-50%);
    display: grid;
    place-items: center;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--surface-soft);
    font-size: 20px;
    line-height: 1;
}
.faq-list details[open] summary::after { content: "−"; }
.faq-list details p {
    max-width: 900px;
    margin: 0;
    padding: 0 20px 20px;
    font-size: 14px;
}
.seo-disclaimer {
    display: grid;
    grid-template-columns: 220px 1fr;
    gap: 28px;
    padding: 28px 32px;
    background: transparent;
    box-shadow: none;
}
.seo-disclaimer strong { font-size: 18px; }
.seo-disclaimer p { margin: 0; font-size: 13px; }

@media (max-width: 960px) {
    .seo-section { padding: 38px; }
    .seo-grid--3, .factor-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .info-card:last-child { grid-column: 1 / -1; min-height: auto; }
    .seo-split, .tax-section { grid-template-columns: 1fr; gap: 28px; }
    .tax-section { grid-template-columns: 1fr; }
    .tax-facts { grid-template-columns: repeat(4, minmax(0, 1fr)); }
    .tax-facts div { min-height: 130px; }
}

@media (max-width: 620px) {
    .section-nav { gap: 6px; margin-top: 18px; }
    .section-nav a { min-height: 34px; padding: 7px 10px; font-size: 10px; }
    .seo-content { gap: 12px; padding-bottom: 96px; }
    .seo-section { padding: 26px 18px; border-radius: 20px; }
    .seo-section h2 { font-size: 31px; line-height: 1.04; }
    .seo-lead { margin-top: 16px; font-size: 16px; }
    .formula-card { margin-top: 22px; padding: 18px; border-radius: 16px; }
    .formula-card strong { font-size: 18px; }
    .seo-grid--3, .factor-grid, .cost-list, .tax-facts { grid-template-columns: 1fr; }
    .info-card { min-height: auto; padding: 18px; }
    .info-card__number { margin-bottom: 28px; }
    .info-card:last-child { grid-column: auto; }
    .factor-grid article { min-height: auto; padding: 18px; }
    .seo-split { gap: 22px; }
    .prose p { font-size: 15px; }
    .comparison-table { overflow-x: auto; }
    .comparison-row { min-width: 720px; }
    .comparison-row > * { min-height: 64px; padding: 14px; font-size: 12px; }
    .cost-list article { min-height: auto; padding: 18px; }
    .tax-section { padding: 28px 18px; }
    .tax-facts div { min-height: 110px; }
    .faq-list summary { padding: 17px 50px 17px 16px; font-size: 14px; }
    .faq-list details p { padding: 0 16px 17px; font-size: 13px; }
    .seo-disclaimer { grid-template-columns: 1fr; gap: 10px; padding: 22px 18px; }
}

/* Credit option */
.form-grid__full,
.comparison-fields__full {
    grid-column: 1 / -1;
}