:root {
  color-scheme: light;
  --ink: #18202a;
  --muted: #5e6876;
  --line: #d9e0e7;
  --paper: #f7f9fb;
  --white: #ffffff;
  --accent: #0f766e;
  --accent-strong: #0b5f59;
  --blue: #315a96;
  --gold: #c17c18;
  --rose: #b9475f;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
}

a { color: inherit; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 16px clamp(18px, 4vw, 56px);
  background: rgba(247, 249, 251, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  font-weight: 800;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 8px;
  background: var(--ink);
  color: var(--white);
  font-size: 13px;
}

nav {
  display: flex;
  gap: 18px;
  color: var(--muted);
  font-size: 14px;
  font-weight: 700;
}

nav a { text-decoration: none; }

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(280px, 0.7fr);
  gap: clamp(24px, 5vw, 72px);
  align-items: center;
  min-height: calc(100vh - 76px);
  padding: clamp(42px, 8vw, 92px) clamp(18px, 6vw, 84px) 56px;
  background:
    linear-gradient(120deg, rgba(15, 118, 110, 0.10), transparent 34%),
    linear-gradient(25deg, rgba(193, 124, 24, 0.10), transparent 40%),
    var(--paper);
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--accent-strong);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

h1, h2, h3, p { overflow-wrap: anywhere; }

h1 {
  max-width: 830px;
  margin: 0;
  font-size: clamp(42px, 8vw, 82px);
  line-height: 0.97;
  letter-spacing: 0;
}

h2 {
  margin: 0;
  font-size: clamp(28px, 4vw, 44px);
  line-height: 1.05;
  letter-spacing: 0;
}

h3 {
  margin: 0 0 10px;
  font-size: 20px;
}

.lede {
  max-width: 740px;
  margin: 24px 0 0;
  color: var(--muted);
  font-size: 19px;
  line-height: 1.6;
}

.hero-actions, .actions-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.button, button {
  min-height: 44px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px 16px;
  font: inherit;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
}

.button.primary {
  border-color: var(--accent);
  background: var(--accent);
  color: var(--white);
}

.button.secondary, button {
  background: var(--white);
  color: var(--ink);
}

.hero-panel {
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding: 28px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 18px 55px rgba(24, 32, 42, 0.11);
}

.hero-panel strong {
  font-size: clamp(48px, 7vw, 74px);
  line-height: 1;
}

.panel-label {
  color: var(--muted);
  font-weight: 800;
}

.mini-bars {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  align-items: end;
  gap: 8px;
  height: 150px;
  margin-top: 24px;
}

.mini-bars span {
  display: block;
  border-radius: 6px 6px 0 0;
  background: var(--accent);
}

.mini-bars span:nth-child(2) { background: var(--blue); }
.mini-bars span:nth-child(3) { background: var(--gold); }
.mini-bars span:nth-child(4) { background: var(--rose); }

.signal-band {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border-block: 1px solid var(--line);
}

.signal-band div {
  min-height: 180px;
  padding: 28px clamp(18px, 4vw, 42px);
  background: var(--white);
}

.signal-band p, .content-section p, .sources p {
  color: var(--muted);
  line-height: 1.65;
}

.notice-band {
  display: grid;
  grid-template-columns: 150px minmax(0, 1fr);
  gap: 18px;
  align-items: start;
  padding: 20px clamp(18px, 6vw, 84px);
  background: #fff8e7;
  border-bottom: 1px solid #e8cf94;
  color: #533b0a;
}

.notice-band strong {
  font-size: 15px;
}

.notice-band p {
  margin: 0;
  line-height: 1.6;
}

.tool-layout {
  display: grid;
  grid-template-columns: minmax(250px, 0.75fr) minmax(0, 1.25fr);
  gap: clamp(24px, 5vw, 64px);
  padding: 72px clamp(18px, 6vw, 84px);
}

.tool-copy {
  position: sticky;
  top: 104px;
  align-self: start;
}

.assumption-box {
  margin-top: 24px;
  padding: 18px;
  border: 1px solid var(--line);
  border-left: 5px solid var(--accent);
  background: var(--white);
  border-radius: 8px;
}

.calculator {
  padding: clamp(18px, 4vw, 30px);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
}

.form-grid, .rate-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.rate-grid {
  margin-top: 22px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
}

label {
  display: grid;
  gap: 7px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 800;
}

input {
  width: 100%;
  min-height: 44px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 10px 12px;
  color: var(--ink);
  font: inherit;
  font-size: 16px;
}

.results {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 24px;
}

.results div {
  padding: 16px;
  background: #eef7f6;
  border-radius: 8px;
}

.results span {
  display: block;
  min-height: 34px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 800;
}

.results strong {
  display: block;
  margin-top: 10px;
  font-size: clamp(24px, 3vw, 34px);
}

.breakdown {
  display: grid;
  gap: 10px;
  margin-top: 22px;
}

.formula-note {
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.6;
}

.breakdown-row {
  display: grid;
  grid-template-columns: 125px minmax(80px, 1fr) 80px;
  gap: 12px;
  align-items: center;
}

.bar-track {
  height: 14px;
  overflow: hidden;
  background: #e9edf2;
  border-radius: 999px;
}

.bar-fill {
  height: 100%;
  background: var(--blue);
}

.content-section, .sources {
  padding: 72px clamp(18px, 6vw, 84px);
  background: var(--white);
  border-top: 1px solid var(--line);
}

.methodology {
  background: var(--paper);
}

.section-heading {
  max-width: 780px;
  margin-bottom: 28px;
}

.article-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.article-grid article {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
}

.sources {
  display: grid;
  grid-template-columns: minmax(250px, 0.8fr) minmax(0, 1.2fr);
  gap: 36px;
}

.sources ul {
  margin: 0;
  padding-left: 20px;
  color: var(--muted);
  line-height: 2;
}

.ad-placeholder {
  display: grid;
  place-items: center;
  min-height: 130px;
  margin: 40px clamp(18px, 6vw, 84px);
  border: 1px dashed #aab5c0;
  border-radius: 8px;
  color: var(--muted);
  text-align: center;
}

.ad-placeholder span { font-weight: 800; color: var(--ink); }
.ad-placeholder p { margin: 6px 0 0; }

.site-footer {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  justify-content: space-between;
  padding: 28px clamp(18px, 6vw, 84px);
  border-top: 1px solid var(--line);
  color: var(--muted);
}

.legal {
  max-width: 860px;
  margin: 0 auto;
  padding: 72px 18px;
  line-height: 1.7;
}

@media (max-width: 860px) {
  .site-header {
    align-items: flex-start;
    flex-direction: column;
  }

  .hero, .tool-layout, .sources {
    grid-template-columns: 1fr;
    min-height: auto;
  }

  .tool-copy {
    position: static;
  }

  .signal-band, .article-grid {
    grid-template-columns: 1fr;
  }

  .notice-band {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 620px) {
  nav { flex-wrap: wrap; }
  .form-grid, .rate-grid, .results { grid-template-columns: 1fr; }
  .breakdown-row { grid-template-columns: 88px minmax(60px, 1fr) 70px; }
}