:root {
  --bg: #f5f8f6;
  --bg-2: #eef7f4;
  --card: #ffffff;
  --ink: #14302f;
  --muted: #5d6f70;
  --line: rgba(20, 48, 47, 0.12);
  --primary: #087f73;
  --primary-dark: #045d56;
  --accent: #1aa879;
  --accent-soft: #ddf5ed;
  --warning: #b42318;
  --warning-soft: #fff1f0;
  --shadow: 0 18px 55px rgba(20, 48, 47, 0.12);
  --shadow-soft: 0 10px 28px rgba(20, 48, 47, 0.08);
  --radius-lg: 28px;
  --radius-md: 18px;
  --radius-sm: 12px;
  --container: 1180px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background:
    radial-gradient(circle at 18% 2%, rgba(8, 127, 115, 0.16), transparent 34rem),
    radial-gradient(circle at 92% 10%, rgba(26, 168, 121, 0.13), transparent 30rem),
    linear-gradient(180deg, #f7fbf9 0%, var(--bg) 42%, #ffffff 100%);
  line-height: 1.6;
  font-size: 17px;
}

body::before {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  background-image:
    linear-gradient(rgba(20, 48, 47, 0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(20, 48, 47, 0.035) 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: linear-gradient(to bottom, rgba(0,0,0,0.55), transparent 58%);
  z-index: -1;
}

img, svg { max-width: 100%; }

a { color: var(--primary-dark); text-decoration-thickness: 2px; text-underline-offset: 3px; }

a:hover { color: var(--primary); }

button, input { font: inherit; }

.container {
  width: min(100% - 32px, var(--container));
  margin-inline: auto;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -80px;
  background: var(--ink);
  color: white;
  padding: 12px 16px;
  border-radius: 10px;
  z-index: 20;
}

.skip-link:focus { top: 16px; }

.site-header {
  padding: 18px 0 8px;
}

.header-inner, .footer-inner, .section-title-row, .card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.brand-mark {
  display: inline-grid;
  place-items: center;
  min-width: 58px;
  min-height: 42px;
  border-radius: 14px;
  color: white;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  box-shadow: var(--shadow-soft);
}

.brand-text { font-size: 1.05rem; }

.top-nav { display: flex; gap: 18px; flex-wrap: wrap; }
.top-nav a { text-decoration: none; font-weight: 700; color: var(--muted); }
.top-nav a:hover { color: var(--primary-dark); }

.tool-hero { padding: 10px 0 22px; }

.hero-copy {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(250px, 320px);
  align-items: center;
  gap: 24px;
  margin: 4px 0 16px;
}

.hero-text {
  max-width: 780px;
}

.section-kicker {
  display: inline-flex;
  align-items: center;
  gap: 0.32rem;
  width: fit-content;
  padding: 0.24rem 0.48rem;
  border-radius: 999px;
  border: 1px solid rgba(20, 130, 112, 0.2);
  background: rgba(255, 255, 255, 0.78);
  box-shadow: 0 5px 14px rgba(15, 61, 55, 0.06);
  color: #0f5f56;
  font-size: 0.74rem;
  font-weight: 800;
  letter-spacing: 0.02em;
  text-transform: none;
  margin: 0 0 4px;
}

.section-kicker .dot {
  width: 0.28rem;
  height: 0.28rem;
  border-radius: 999px;
  background: #16957f;
  box-shadow: 0 0 0 2.5px rgba(22, 149, 127, 0.12);
  flex: 0 0 auto;
}

.section-kicker .index {
  color: #657873;
  font-weight: 800;
}

.result-kicker {
  margin-bottom: 8px;
}

h1, h2, h3 { line-height: 1.15; color: var(--ink); }

h1 {
  font-size: clamp(2rem, 3.7vw, 3.35rem);
  letter-spacing: -0.045em;
  margin: 0 0 10px;
}

h2 {
  font-size: clamp(1.22rem, 1.85vw, 1.58rem);
  letter-spacing: -0.025em;
  margin: 0 0 14px;
}

h3 { font-size: 0.98rem; margin: 0 0 8px; }

.hero-lede {
  margin: 0;
  font-size: 1.12rem;
  color: #304b4b;
  max-width: 720px;
}

.privacy-pill {
  margin: 14px 0 0;
  width: fit-content;
  color: var(--primary-dark);
  background: rgba(255,255,255,0.78);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 12px;
  box-shadow: 0 8px 20px rgba(20, 48, 47, 0.07);
  font-weight: 700;
  font-size: 0.88rem;
}

.hero-support-card {
  padding: 18px;
  border-radius: 22px;
  border: 1px solid rgba(20, 130, 112, 0.18);
  background: rgba(255, 255, 255, 0.7);
  box-shadow: 0 14px 34px rgba(15, 61, 55, 0.09);
  backdrop-filter: blur(10px);
}

.hero-support-card h2 {
  margin: 0 0 12px;
  font-size: 0.9rem;
  letter-spacing: 0;
}

.hero-support-card ul {
  display: grid;
  gap: 9px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.hero-support-card li {
  position: relative;
  padding-left: 18px;
  color: #31504f;
  font-weight: 750;
  line-height: 1.35;
}

.hero-support-card li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.52em;
  width: 7px;
  height: 7px;
  border-radius: 999px;
  background: var(--accent);
  box-shadow: 0 0 0 4px rgba(26, 168, 121, 0.12);
}

.dashboard-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(340px, 0.75fr);
  gap: 22px;
  align-items: start;
}

.card {
  background: rgba(255,255,255,0.92);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
}

.input-card, .results-card, .wide-card, .content-side {
  padding: 24px;
}

.results-card {
  position: sticky;
  top: 16px;
}

.card-head.stacked { display: block; }

.ghost-button {
  border: 1px solid rgba(8,127,115,0.28);
  background: #fff;
  color: var(--primary-dark);
  border-radius: 999px;
  padding: 8px 13px;
  min-height: 38px;
  cursor: pointer;
  font-weight: 800;
  font-size: 0.9rem;
}

.ghost-button:hover, .ghost-button:focus-visible {
  background: var(--accent-soft);
  outline: 3px solid rgba(8,127,115,0.16);
}

.field-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin-bottom: 16px;
}

.field-grid.two-col { grid-template-columns: repeat(2, minmax(0, 1fr)); }

.field label {
  display: block;
  font-weight: 800;
  color: #203d3c;
  margin-bottom: 7px;
}

.field input {
  width: 100%;
  min-height: 52px;
  border: 1.5px solid rgba(20,48,47,0.18);
  border-radius: var(--radius-sm);
  background: #fbfdfc;
  color: var(--ink);
  padding: 12px 14px;
  font-size: 1.06rem;
}

.field input:focus {
  outline: 4px solid rgba(8,127,115,0.15);
  border-color: var(--primary);
  background: #fff;
}

.field input.input-error {
  border-color: var(--warning);
  background: var(--warning-soft);
}

.input-prefix, .input-suffix {
  display: flex;
  align-items: center;
  border: 1.5px solid rgba(20,48,47,0.18);
  border-radius: var(--radius-sm);
  background: #fbfdfc;
  overflow: hidden;
}

.input-prefix:focus-within, .input-suffix:focus-within {
  outline: 4px solid rgba(8,127,115,0.15);
  border-color: var(--primary);
  background: #fff;
}

.input-prefix span, .input-suffix span {
  display: inline-grid;
  place-items: center;
  min-width: 44px;
  align-self: stretch;
  color: var(--muted);
  font-weight: 800;
}

.input-prefix input, .input-suffix input {
  border: 0;
  border-radius: 0;
  background: transparent;
}

.input-prefix input:focus, .input-suffix input:focus { outline: 0; }

.compact-percent { max-width: 260px; }

.helper {
  margin: 6px 0 0;
  color: var(--muted);
  font-size: 0.94rem;
}

.error-summary {
  background: var(--warning-soft);
  color: #7a271a;
  border: 1px solid rgba(180,35,24,0.35);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  margin: 14px 0 18px;
  font-weight: 700;
}

.error-summary ul { margin: 8px 0 0 20px; padding: 0; font-weight: 600; }

.disclaimer-box {
  margin-top: 18px;
  padding: 16px;
  border-radius: var(--radius-md);
  background: linear-gradient(180deg, #eefaf6, #f8fffc);
  border: 1px solid rgba(8,127,115,0.18);
}

.disclaimer-box p, .footer-disclaimer p { margin: 0; font-weight: 800; color: #244443; }
.disclaimer-box p + p, .footer-disclaimer p + p { margin-top: 4px; }

.primary-metric {
  padding: 22px;
  border-radius: 24px;
  background: linear-gradient(135deg, var(--primary-dark), var(--primary) 62%, var(--accent));
  color: white;
  box-shadow: 0 20px 40px rgba(8,127,115,0.25);
  margin: 8px 0 16px;
}

.primary-metric span { display: block; color: rgba(255,255,255,0.86); font-weight: 800; }
.primary-metric strong { display: block; font-size: clamp(2rem, 4vw, 3.2rem); line-height: 1.08; letter-spacing: -0.05em; margin-top: 6px; }

.metric-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.metric {
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: #fbfdfc;
}

.metric span {
  display: block;
  color: var(--muted);
  font-weight: 800;
  font-size: 0.9rem;
  line-height: 1.25;
}

.metric strong {
  display: block;
  font-size: clamp(1.18rem, 2vw, 1.55rem);
  letter-spacing: -0.035em;
  margin-top: 6px;
}

.assumption-note {
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid var(--line);
}

.assumption-note ul { margin: 8px 0 0 20px; padding: 0; color: var(--muted); }

.section { padding: 44px 0; }
.soft-section {
  background: linear-gradient(180deg, rgba(238,247,244,0.6), rgba(255,255,255,0.5));
}

.wide-card { overflow: hidden; }
.section-title-row { margin-bottom: 16px; }
.muted { color: var(--muted); margin: 0; }

.balance-over-time { width: 100%; }
.chart-wrap {
  display: grid;
  gap: 10px;
  margin-bottom: 18px;
}

.bar-row {
  display: grid;
  grid-template-columns: 84px 1fr 150px;
  align-items: center;
  gap: 12px;
}

.bar-track {
  height: 18px;
  border-radius: 999px;
  background: #eaf2ef;
  overflow: hidden;
}

.bar-fill {
  height: 100%;
  min-width: 3px;
  border-radius: inherit;
  background: linear-gradient(90deg, var(--primary), var(--accent));
}

.bar-label, .bar-value { font-weight: 800; color: #294746; }
.bar-value { text-align: right; }

.table-scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: 18px; }
.table-scroll table { width: 100%; border-collapse: collapse; min-width: 720px; background: #fff; }
th, td { padding: 13px 14px; text-align: right; border-bottom: 1px solid var(--line); }
th:first-child, td:first-child { text-align: left; }
th { background: #f2faf7; color: #244443; font-size: 0.93rem; }
tr:last-child td { border-bottom: 0; }

.content-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 360px;
  gap: 28px;
  align-items: start;
}
.content-grid.reverse { grid-template-columns: 360px minmax(0, 1fr); }
.content-grid.reverse .content-main { grid-column: 2; grid-row: 1; }
.content-grid.reverse .content-side { grid-column: 1; grid-row: 1; }

.content-main p { color: #355151; }
.formula-card {
  display: grid;
  gap: 10px;
  margin: 20px 0;
  padding: 20px;
  border-radius: 22px;
  border: 1px solid rgba(8,127,115,0.18);
  background: #fbfdfc;
}
.formula-card p { margin: 0; }
code {
  display: block;
  white-space: normal;
  padding: 11px 12px;
  border-radius: 12px;
  background: #eef7f4;
  color: #183f3c;
  font-size: 0.95rem;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
  margin-top: 18px;
}
.step-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 20px;
  box-shadow: var(--shadow-soft);
}
.step-card span {
  display: inline-grid;
  place-items: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--accent-soft);
  color: var(--primary-dark);
  font-weight: 900;
  margin-bottom: 12px;
}
.step-card p, .definition-list p, .faq-list p, .content-side p { color: var(--muted); margin-top: 0; }

.definition-list { display: grid; gap: 14px; }
.definition-list div {
  padding: 18px;
  border-left: 5px solid var(--primary);
  border-radius: 16px;
  background: rgba(255,255,255,0.76);
  box-shadow: var(--shadow-soft);
}

.privacy-card { background: linear-gradient(180deg, #ffffff, #f0fbf7); }
.narrow { max-width: 900px; }

.faq-list { display: grid; gap: 12px; margin-top: 18px; }
details {
  background: white;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 16px 18px;
  box-shadow: var(--shadow-soft);
}
summary {
  cursor: pointer;
  font-weight: 900;
  color: #203d3c;
  font-size: 0.98rem;
}
details p { margin: 10px 0 0; }

.site-footer {
  padding: 34px 0 46px;
  background: #102b2a;
  color: white;
}
.site-footer p { margin: 0; }
.footer-inner { align-items: flex-start; }
.footer-disclaimer p { color: rgba(255,255,255,0.88); }

@media (max-width: 980px) {
  .hero-copy { grid-template-columns: 1fr; align-items: start; }
  .hero-support-card { max-width: 440px; }
  .privacy-pill { width: fit-content; }
  .dashboard-grid, .content-grid, .content-grid.reverse { grid-template-columns: 1fr; }
  .content-grid.reverse .content-main, .content-grid.reverse .content-side { grid-column: auto; grid-row: auto; }
  .results-card { position: static; }
  .steps-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 680px) {
  body { font-size: 16px; }
  .container { width: min(100% - 22px, var(--container)); }
  .header-inner, .footer-inner, .section-title-row, .card-head { align-items: flex-start; flex-direction: column; }
  .top-nav { gap: 12px; }
  .tool-hero { padding-top: 8px; }
  .input-card, .results-card, .wide-card, .content-side { padding: 18px; border-radius: 22px; }
  .field-grid.two-col, .metric-grid, .steps-grid { grid-template-columns: 1fr; }
  .bar-row { grid-template-columns: 64px 1fr; }
  .bar-value { grid-column: 2; text-align: left; margin-top: -6px; }
  .section { padding: 34px 0; }
}