:root {
  --navy: #092943;
  --navy-2: #123c59;
  --cream: #f7f3eb;
  --paper: #fffdf9;
  --coral: #e94f37;
  --teal: #087f6a;
  --ink: #173040;
  --muted: #66747d;
  --line: #dcd8ce;
  --shadow: 0 24px 70px rgba(9, 41, 67, .12);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--cream);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--cream); }
a { color: inherit; }
button, input, select, textarea { font: inherit; }

.site-header {
  max-width: 1240px;
  margin: 0 auto;
  min-height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 28px;
  border-bottom: 1px solid var(--line);
}

.brand { display: inline-flex; align-items: center; gap: 11px; font-size: 21px; font-weight: 850; text-decoration: none; letter-spacing: -.04em; }
.brand > span:last-child span { color: var(--coral); }
.brand-mark { width: 36px; height: 36px; display: grid; place-items: center; color: white; background: var(--navy); border-radius: 9px 9px 4px 4px; font-size: 18px; }
nav { display: flex; gap: 30px; font-size: 14px; font-weight: 650; }
nav a { text-decoration: none; }
nav a:hover { color: var(--coral); }

main { overflow: hidden; }
.hero { max-width: 1240px; margin: 0 auto; padding: 72px 28px 54px; display: grid; grid-template-columns: .9fr 1.1fr; gap: 72px; align-items: start; }
.intro { padding-top: 44px; }
.eyebrow { margin: 0 0 18px; color: var(--coral); text-transform: uppercase; letter-spacing: .14em; font-size: 12px; font-weight: 850; }
h1 { margin: 0; color: var(--navy); font-size: clamp(48px, 5.25vw, 76px); line-height: .98; letter-spacing: -.065em; max-width: 720px; }
.lead { margin: 28px 0 34px; max-width: 600px; font-size: 19px; line-height: 1.6; color: var(--muted); }
.benefits { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; font-weight: 700; }
.benefits li { display: flex; align-items: center; gap: 13px; }
.benefits span { color: var(--coral); font: 700 12px/1 ui-monospace, monospace; }

.calculator { background: var(--paper); border: 1px solid rgba(9, 41, 67, .1); border-radius: 24px; padding: 30px; box-shadow: var(--shadow); }
.compact-grid { display: grid; grid-template-columns: 1.35fr 1fr; gap: 12px 18px; margin-bottom: 24px; }
.stacked { min-height: auto; padding: 0 0 10px; display: grid; align-items: stretch; gap: 7px; color: var(--muted); font-size: 12px; border-bottom: 0; }
.stacked > input { width: 100%; min-height: 43px; padding: 0 12px; color: var(--navy); font-weight: 750; border: 1px solid #d8d5ce; border-radius: 10px; background: white; outline: none; }
.stacked > input:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(8,127,106,.1); }
.card-head { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 26px; }
.step { margin: 0 0 5px; color: var(--teal); font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; }
.card-head h2 { margin: 0; color: var(--navy); font-size: 28px; letter-spacing: -.035em; }
.quiet-button { border: 0; background: transparent; color: var(--muted); cursor: pointer; padding: 6px; }
.quiet-button:hover { color: var(--coral); }
fieldset { border: 0; padding: 0; margin: 0; }
legend { font-size: 13px; font-weight: 800; color: var(--muted); margin-bottom: 8px; }
label { display: flex; min-height: 61px; align-items: center; justify-content: space-between; gap: 24px; border-bottom: 1px solid #e8e4dc; font-size: 15px; font-weight: 650; }
.money { display: flex; align-items: center; min-width: 146px; border: 1px solid #d8d5ce; border-radius: 10px; background: white; padding: 0 12px; }
.money:focus-within { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(8, 127, 106, .1); }
.money input { width: 100%; padding: 11px 4px; text-align: right; border: 0; outline: 0; background: transparent; color: var(--navy); font-weight: 800; }
.money b { font-size: 13px; color: var(--muted); }
details { margin-top: 14px; }
summary { cursor: pointer; color: var(--navy); font-size: 14px; font-weight: 800; padding: 10px 0; }
.details-grid { margin-top: 5px; }
.primary-button { margin-top: 25px; width: 100%; min-height: 56px; display: flex; align-items: center; justify-content: space-between; border: 0; border-radius: 12px; padding: 0 20px; color: white; background: var(--coral); font-weight: 800; cursor: pointer; box-shadow: 0 12px 25px rgba(233, 79, 55, .22); }
.primary-button:hover { background: #d8412c; transform: translateY(-1px); }

.result { max-width: 1184px; margin: 0 auto 90px; padding: 28px 34px; display: grid; grid-template-columns: 1.15fr 1fr .8fr .9fr .65fr; align-items: center; gap: 24px; color: white; background: var(--navy); border-radius: 18px; }
.result p { margin: 0 0 3px; color: #83d7c7; font-size: 11px; text-transform: uppercase; letter-spacing: .12em; font-weight: 850; }
.result h2 { margin: 0; font-size: 18px; }
.result-main { border-left: 1px solid rgba(255,255,255,.18); padding-left: 28px; }
.result-main strong { display: block; color: #70d0bd; font-size: 34px; letter-spacing: -.04em; }
.result-main span, .metric span { color: #c1cbd1; font-size: 12px; }
.metric { display: grid; gap: 6px; }
.metric strong { font-size: 20px; }

.analysis-panel { max-width: 1184px; margin: 0 auto 38px; padding: 34px; background: var(--paper); border: 1px solid var(--line); border-radius: 22px; }
.analysis-head { display: flex; align-items: center; justify-content: space-between; gap: 25px; margin-bottom: 28px; }
.analysis-head .eyebrow { margin-bottom: 8px; }
.analysis-head h2 { margin: 0; color: var(--navy); font-size: 28px; letter-spacing: -.035em; }
.budget-badge { padding: 9px 13px; color: #8b2e20; background: #fbe7e2; border-radius: 999px; font-size: 12px; font-weight: 800; white-space: nowrap; }
.budget-badge[data-level="good"] { color: #086553; background: #daf3eb; }
.budget-badge[data-level="medium"] { color: #76500b; background: #faefcc; }
.budget-badge[data-level="neutral"] { color: var(--muted); background: #eceae4; }
.analysis-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 12px; }
.analysis-grid article { padding: 18px; background: #f3f0e9; border-radius: 14px; }
.analysis-grid span, .analysis-grid small { display: block; color: var(--muted); font-size: 12px; }
.analysis-grid strong { display: block; margin: 7px 0 3px; color: var(--navy); font-size: 22px; }
.breakdown-wrap { display: grid; grid-template-columns: 1.45fr .75fr; gap: 32px; margin-top: 34px; padding-top: 28px; border-top: 1px solid var(--line); }
.breakdown-wrap h3 { margin: 0 0 18px; color: var(--navy); font-size: 17px; }
.breakdown { display: grid; gap: 13px; }
.bar-row > div { display: flex; justify-content: space-between; gap: 20px; margin-bottom: 5px; color: var(--muted); font-size: 12px; }
.bar-row b { color: var(--ink); }
.bar-row i { display: block; height: 7px; background: #ebe7df; border-radius: 9px; overflow: hidden; }
.bar-row u { display: block; height: 100%; background: var(--teal); border-radius: inherit; text-decoration: none; }
.advisor { padding: 22px; color: white; background: var(--navy); border-radius: 15px; }
.advisor span { color: #70d0bd; text-transform: uppercase; letter-spacing: .1em; font-size: 11px; font-weight: 850; }
.advisor p { margin: 12px 0 0; color: #d4dde2; font-size: 14px; line-height: 1.6; }
.result-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.secondary-button { min-height: 42px; display: inline-flex; align-items: center; justify-content: center; padding: 0 15px; color: var(--navy); background: transparent; border: 1px solid #cfd2cf; border-radius: 10px; text-decoration: none; font-size: 13px; font-weight: 750; cursor: pointer; }
.secondary-button:hover { border-color: var(--teal); color: var(--teal); }
.action-status { min-height: 18px; margin: 8px 0 0; color: var(--teal); font-size: 12px; }
.tools-grid { max-width: 1184px; margin: 0 auto 95px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.tools-grid a { padding: 26px; color: inherit; background: var(--paper); border: 1px solid var(--line); border-radius: 17px; text-decoration: none; transition: transform .15s, border-color .15s; }
.tools-grid a:hover { transform: translateY(-3px); border-color: var(--teal); }
.tools-grid span { color: var(--coral); font: 700 12px/1 ui-monospace, monospace; }
.tools-grid h2 { margin: 14px 0 9px; color: var(--navy); font-size: 21px; }
.tools-grid p { min-height: 65px; margin: 0 0 18px; color: var(--muted); font-size: 14px; line-height: 1.55; }
.tools-grid b { color: var(--teal); font-size: 13px; }

.explain { max-width: 1184px; margin: 0 auto 100px; padding: 58px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: end; }
.explain h2 { margin: 0; color: var(--navy); font-size: 42px; line-height: 1.05; letter-spacing: -.05em; }
.explain > p { margin: 0; font-size: 18px; line-height: 1.7; color: var(--muted); }
footer { max-width: 1240px; margin: 0 auto; padding: 30px 28px 45px; display: flex; justify-content: space-between; align-items: center; color: var(--muted); font-size: 12px; }
.brand.small { color: var(--navy); font-size: 16px; }

.page-shell { max-width: 980px; margin: 0 auto; padding: 70px 28px 100px; }
.page-shell.wide { max-width: 1184px; }
.page-intro { max-width: 790px; margin-bottom: 46px; }
.page-intro h1 { font-size: clamp(44px, 6vw, 68px); }
.page-intro p { max-width: 720px; margin: 22px 0 0; color: var(--muted); font-size: 19px; line-height: 1.65; }
.article { background: var(--paper); border: 1px solid var(--line); border-radius: 20px; padding: clamp(28px, 5vw, 58px); }
.article h2 { margin: 44px 0 12px; color: var(--navy); font-size: 28px; letter-spacing: -.035em; }
.article h2:first-child { margin-top: 0; }
.article h3 { margin: 28px 0 8px; color: var(--navy); }
.article p, .article li { color: #465863; font-size: 17px; line-height: 1.75; }
.article ul, .article ol { padding-left: 22px; }
.callout { margin: 28px 0; padding: 22px 24px; border-left: 4px solid var(--coral); background: #fbf1ed; border-radius: 0 12px 12px 0; }
.formula { padding: 20px; color: white; background: var(--navy); border-radius: 12px; font: 700 15px/1.7 ui-monospace, monospace; }
.back-link { display: inline-flex; margin-bottom: 25px; color: var(--teal); font-weight: 750; text-decoration: none; }

.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.compare-three { grid-template-columns: repeat(3, 1fr); }
.compare-card { background: var(--paper); border: 1px solid var(--line); border-radius: 20px; padding: 28px; }
.compare-card h2 { margin: 0 0 20px; color: var(--navy); }
.compare-card label { min-height: 58px; }
.text-input { width: 145px; padding: 10px 11px; border: 1px solid #d8d5ce; border-radius: 9px; color: var(--navy); font-weight: 700; }
.compare-results { margin-top: 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.compare-result { padding: 26px 28px; color: white; background: var(--navy); border-radius: 18px; }
.compare-result p { margin: 0 0 5px; color: #b9c7d0; }
.compare-result strong { color: #70d0bd; font-size: 32px; }
.compare-result ul { padding: 16px 0 0; margin: 16px 0 0; border-top: 1px solid rgba(255,255,255,.18); list-style: none; display: grid; gap: 8px; }
.compare-result li { display: flex; justify-content: space-between; gap: 15px; }
.compare-result.best-offer { outline: 4px solid #70d0bd; outline-offset: -4px; }
.winner { margin: 0 0 22px; padding: 20px 24px; color: white; background: var(--teal); border-radius: 14px; font-size: 16px; }
.winner strong { color: white; }

.risk-form { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.risk-card { padding: 25px; background: var(--paper); border: 1px solid var(--line); border-radius: 18px; }
.risk-card h2 { margin: 0 0 8px; color: var(--navy); font-size: 21px; }
.risk-card > p { margin: 0 0 14px; color: var(--muted); font-size: 14px; line-height: 1.5; }
.choice-row { display: flex; gap: 7px; }
.choice-row label { flex: 1; min-height: 40px; flex-direction: row; align-items: center; justify-content: center; padding: 0 10px; border: 1px solid var(--line); border-radius: 9px; cursor: pointer; font-size: 13px; }
.choice-row label:has(input:checked) { color: white; background: var(--navy); border-color: var(--navy); }
.choice-row input { position: absolute; opacity: 0; pointer-events: none; }
.risk-summary { margin-top: 24px; padding: 30px; color: white; background: var(--navy); border-radius: 20px; }
.risk-score { display: flex; align-items: center; gap: 22px; }
.score-circle { width: 82px; height: 82px; display: grid; place-items: center; flex: none; border: 7px solid #70d0bd; border-radius: 50%; font-size: 25px; font-weight: 900; }
.risk-summary h2 { margin: 0 0 6px; }
.risk-summary p { margin: 0; color: #ccd7de; }
.risk-findings { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 24px; }
.risk-findings h3 { color: #70d0bd; font-size: 14px; }
.risk-findings ul { padding-left: 18px; color: #e1e7ea; line-height: 1.6; }
.light-button { color: white; border-color: rgba(255,255,255,.35); }
.light-button:hover { color: #70d0bd; border-color: #70d0bd; }

.checklist { display: grid; gap: 28px; }
.check-group { background: var(--paper); border: 1px solid var(--line); border-radius: 18px; padding: 28px; }
.check-group h2 { margin: 0 0 15px; color: var(--navy); }
.check-item { justify-content: flex-start; min-height: 48px; gap: 13px; border-bottom: 1px solid #ece9e2; cursor: pointer; font-weight: 550; }
.check-item:last-child { border-bottom: 0; }
.check-item input { width: 20px; height: 20px; accent-color: var(--teal); }
.check-progress { position: sticky; top: 12px; z-index: 4; margin-bottom: 22px; padding: 16px 20px; display: flex; justify-content: space-between; background: var(--navy); color: white; border-radius: 12px; box-shadow: var(--shadow); }
.check-progress strong { color: #70d0bd; }

@media (max-width: 900px) {
  nav { display: none; }
  .hero { grid-template-columns: 1fr; padding-top: 38px; gap: 40px; }
  .intro { padding-top: 0; }
  h1 { font-size: clamp(44px, 12vw, 68px); }
  .result { margin: 0 20px 65px; grid-template-columns: 1fr 1fr; }
  .result-label { grid-column: 1 / -1; }
  .result-main { border-left: 0; padding-left: 0; }
  .explain { margin: 0 28px 70px; grid-template-columns: 1fr; gap: 25px; }
  .compare-grid, .compare-results { grid-template-columns: 1fr; }
  .analysis-grid { grid-template-columns: 1fr 1fr; }
  .breakdown-wrap { grid-template-columns: 1fr; }
  .tools-grid { margin: 0 20px 70px; grid-template-columns: 1fr; }
  .risk-form { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .site-header { min-height: 68px; padding: 0 18px; }
  .hero { padding: 34px 16px 38px; }
  h1 { font-size: 45px; }
  .lead { font-size: 17px; }
  .calculator { margin: 0 -4px; padding: 22px 18px; border-radius: 18px; }
  .compact-grid { grid-template-columns: 1fr 1fr; }
  label { align-items: flex-start; flex-direction: column; gap: 8px; padding: 13px 0; }
  .money { width: 100%; }
  .result { grid-template-columns: 1fr; padding: 25px; }
  .result-label { grid-column: auto; }
  .analysis-panel { margin: 0 16px 28px; padding: 22px 18px; }
  .analysis-head { align-items: flex-start; flex-direction: column; }
  .analysis-grid { grid-template-columns: 1fr; }
  .result-actions { flex-direction: column; }
  .secondary-button { width: 100%; }
  .risk-findings { grid-template-columns: 1fr; }
  .metric { padding-top: 16px; border-top: 1px solid rgba(255,255,255,.15); }
  .explain { padding: 40px 0; }
  .explain h2 { font-size: 36px; }
  footer { align-items: flex-start; flex-direction: column; gap: 8px; padding: 24px 20px; }
  .page-shell { padding: 42px 16px 70px; }
  .page-intro h1 { font-size: 43px; }
  .article { padding: 25px 20px; }
}

@media print {
  .site-header, .intro, .primary-button, .result-actions, .tools-grid, .explain, footer, .consent-banner, .consent-settings { display: none !important; }
  body { background: white; }
  .hero { display: block; padding: 0; }
  .calculator { box-shadow: none; }
  .result, .analysis-panel { margin: 20px 0; break-inside: avoid; }
}

.consent-banner {
  position: fixed; z-index: 1000; right: 20px; bottom: 20px; left: 20px;
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
  max-width: 920px; margin: auto; padding: 20px 22px; color: var(--ink);
  background: var(--paper); border: 1px solid rgba(9, 41, 67, .14);
  border-radius: 18px; box-shadow: 0 18px 55px rgba(9, 41, 67, .22);
}
.consent-banner strong { display: block; margin-bottom: 4px; font-size: 17px; }
.consent-banner p { max-width: 620px; margin: 0 0 5px; color: var(--muted); font-size: 14px; line-height: 1.45; }
.consent-banner a { color: var(--blue); font-size: 14px; }
.consent-actions { display: flex; flex: 0 0 auto; gap: 10px; }
.consent-actions button { white-space: nowrap; }
.consent-settings {
  position: fixed; z-index: 900; bottom: 12px; left: 12px; padding: 8px 12px;
  color: var(--muted); background: var(--paper); border: 1px solid rgba(9, 41, 67, .16);
  border-radius: 999px; box-shadow: 0 5px 18px rgba(9, 41, 67, .12);
  cursor: pointer; font: inherit; font-size: 13px;
}
@media (max-width: 720px) {
  .consent-banner { align-items: stretch; flex-direction: column; gap: 14px; padding: 18px; }
  .consent-actions { flex-direction: column-reverse; }
  .consent-actions button { width: 100%; }
}