:root {
  --bg: #f7f4ee;
  --ink: #1f2529;
  --muted: #647077;
  --panel: #fffdf9;
  --line: #ded6ca;
  --navy: #243b53;
  --teal: #2f6f73;
  --moss: #708238;
  --clay: #b85c38;
  --soft: #edf5f3;
  --shadow: 0 18px 45px rgba(31, 38, 44, 0.10);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: linear-gradient(180deg, var(--bg), #fbfaf7);
  line-height: 1.45;
}

a {
  color: var(--teal);
}

.site-shell {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
}

.top-nav {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid rgba(222, 214, 202, 0.72);
  background: rgba(247, 244, 238, 0.92);
  backdrop-filter: blur(14px);
}

.top-nav .brand {
  color: var(--ink);
  font-weight: 950;
  text-decoration: none;
}

.top-nav div {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 6px;
}

.top-nav div a {
  border: 1px solid transparent;
  border-radius: 999px;
  padding: 7px 10px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 850;
  text-decoration: none;
}

.top-nav div a:hover {
  border-color: var(--line);
  background: rgba(255, 255, 255, 0.72);
  color: var(--teal);
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(280px, 0.6fr);
  gap: 24px;
  align-items: end;
  padding: 46px 0 28px;
}

.eyebrow {
  display: inline-flex;
  margin: 0;
  padding: 7px 12px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.72);
  color: var(--teal);
  font-size: 13px;
  font-weight: 850;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 900px;
  margin: 18px 0 14px;
  font-size: clamp(38px, 5vw, 68px);
  line-height: 0.98;
  letter-spacing: 0;
}

.hero-copy {
  max-width: 760px;
  margin-bottom: 0;
  color: #455058;
  font-size: clamp(18px, 2vw, 22px);
}

.quick-panel {
  display: grid;
  grid-template-columns: minmax(250px, 0.38fr) minmax(0, 1fr);
  gap: 24px;
  align-items: stretch;
  margin-bottom: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 24px;
  background: rgba(255, 253, 249, 0.94);
  box-shadow: var(--shadow);
}

.quick-copy h2 {
  margin-bottom: 10px;
  font-size: 34px;
  line-height: 1.06;
}

.quick-copy p:last-child {
  margin-bottom: 0;
  color: var(--muted);
}

.quick-tool {
  display: grid;
  gap: 14px;
}

.quick-fields,
.quick-options {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.quick-result {
  border-radius: 8px;
  padding: 18px;
  background: var(--navy);
  color: #fff;
}

.quick-result span {
  display: block;
  margin-bottom: 7px;
  opacity: 0.72;
  font-size: 12px;
  font-weight: 950;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.quick-result strong {
  display: block;
  margin-bottom: 6px;
  font-size: 28px;
  line-height: 1.08;
}

.quick-result p {
  margin-bottom: 0;
  opacity: 0.86;
}

.quick-options article {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 14px;
  background: #fff;
}

.quick-options article.best {
  border-color: rgba(47, 111, 115, 0.62);
  background: var(--soft);
  box-shadow: inset 0 4px 0 var(--teal);
}

.quick-options span,
.quick-options strong,
.quick-options small {
  display: block;
}

.quick-options span {
  min-height: 40px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 850;
}

.quick-options strong {
  margin: 8px 0 3px;
  font-size: 24px;
}

.quick-options small {
  color: var(--muted);
  font-size: 12px;
  font-weight: 750;
}

.hero-note {
  display: grid;
  gap: 8px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.74);
  box-shadow: 0 8px 30px rgba(31, 38, 44, 0.06);
}

.hero-note span {
  color: var(--muted);
  font-size: 14px;
}

.hub-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin: 4px 0 34px;
}

.hub-card {
  display: block;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 22px;
  background: rgba(255, 253, 249, 0.92);
  color: var(--ink);
  text-decoration: none;
  box-shadow: var(--shadow);
}

.hub-card.primary {
  background: var(--navy);
  color: #fff;
}

.hub-card span {
  display: inline-flex;
  margin-bottom: 10px;
  color: var(--teal);
  font-size: 12px;
  font-weight: 950;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.hub-card.primary span,
.hub-card.primary p {
  color: rgba(255, 255, 255, 0.82);
}

.hub-card h2 {
  margin-bottom: 8px;
  font-size: 24px;
  line-height: 1.12;
}

.hub-card p {
  margin-bottom: 0;
  color: var(--muted);
}

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(390px, 0.9fr);
  gap: 24px;
  align-items: start;
}

.panel {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 253, 249, 0.94);
  box-shadow: var(--shadow);
  overflow: hidden;
}

.panel-header {
  padding: 22px 24px;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(180deg, #ffffff, #fbfaf7);
}

.panel-header h2 {
  margin-bottom: 6px;
  font-size: 25px;
}

.panel-header p,
.hint {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 14px;
}

form {
  padding: 22px 24px 26px;
}

.form-section {
  padding: 22px 0;
  border-top: 1px solid var(--line);
}

.form-section:first-child {
  padding-top: 0;
  border-top: 0;
}

.section-heading {
  display: flex;
  gap: 10px;
  align-items: center;
  margin-bottom: 14px;
}

.section-heading span {
  display: grid;
  width: 28px;
  height: 28px;
  place-items: center;
  border-radius: 999px;
  background: var(--navy);
  color: #fff;
  font-size: 14px;
  font-weight: 900;
}

.section-heading h3 {
  margin: 0;
  font-size: 18px;
}

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

.field-grid.compact {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

label,
.wide-label {
  display: grid;
  gap: 7px;
  color: #3d474f;
  font-size: 13px;
  font-weight: 850;
}

label small {
  color: var(--muted);
  font-size: 12px;
  font-weight: 650;
}

input,
select {
  width: 100%;
  min-width: 0;
  border: 1px solid #d3c9bd;
  border-radius: 8px;
  padding: 12px;
  background: #fff;
  color: var(--ink);
  font: inherit;
  font-size: 15px;
}

input:focus,
select:focus {
  border-color: var(--teal);
  outline: 0;
  box-shadow: 0 0 0 4px rgba(47, 111, 115, 0.13);
}

.wide-label {
  margin-top: 16px;
}

.range-row {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 84px;
  gap: 12px;
  align-items: center;
}

input[type="range"] {
  padding: 0;
  border: 0;
  accent-color: var(--teal);
}

output {
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 10px;
  background: var(--soft);
  color: var(--teal);
  text-align: center;
  font-size: 14px;
  font-weight: 900;
}

.assumptions {
  padding-bottom: 0;
}

.assumption-note {
  display: grid;
  gap: 3px;
  margin-bottom: 14px;
  border: 1px solid var(--line);
  border-left: 4px solid var(--teal);
  border-radius: 8px;
  padding: 12px;
  background: #ffffff;
}

.assumption-note span {
  color: var(--muted);
  font-size: 13px;
  font-weight: 650;
}

.results-panel {
  position: sticky;
  top: 18px;
}

.recommendation {
  padding: 24px;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  color: #fff;
}

.recommendation span {
  display: flex;
  gap: 10px;
  align-items: center;
  margin-bottom: 8px;
  opacity: 0.78;
  font-size: 12px;
  font-weight: 950;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.recommendation b {
  display: inline-flex;
  opacity: 0;
  border-radius: 999px;
  padding: 3px 7px;
  background: rgba(255, 255, 255, 0.18);
  color: #fff;
  font-size: 10px;
  font-style: normal;
  transition: opacity 180ms ease;
}

.recommendation b.is-visible {
  opacity: 1;
}

.recommendation h2 {
  margin-bottom: 8px;
  font-size: 30px;
  line-height: 1.08;
}

.recommendation p {
  margin-bottom: 0;
  opacity: 0.9;
}

.result-body {
  padding: 20px 24px 24px;
}

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

.metric,
.option-card,
.flags,
.source-note {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.metric {
  padding: 14px;
}

.metric span {
  display: block;
  margin-bottom: 5px;
  color: var(--muted);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.metric strong {
  display: block;
  font-size: 20px;
}

.option-list {
  display: grid;
  gap: 12px;
  margin-top: 16px;
}

.option-card {
  padding: 16px;
}

.option-card.best {
  border-color: rgba(47, 111, 115, 0.62);
  background: var(--soft);
}

.option-head {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  align-items: flex-start;
}

.option-head h3 {
  margin-bottom: 0;
  font-size: 18px;
}

.option-head span {
  flex: 0 0 auto;
  border-radius: 999px;
  padding: 5px 9px;
  background: var(--navy);
  color: #fff;
  font-size: 11px;
  font-weight: 950;
  text-transform: uppercase;
}

.price-row {
  display: flex;
  gap: 8px;
  align-items: baseline;
  margin: 10px 0 12px;
}

.price-row strong {
  font-size: 26px;
}

.price-row small {
  color: var(--muted);
  font-weight: 800;
}

dl {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
  margin: 0 0 12px;
}

dl div {
  border-top: 1px solid var(--line);
  padding-top: 8px;
}

dt {
  color: var(--muted);
  font-size: 12px;
  font-weight: 850;
}

dd {
  margin: 2px 0 0;
  font-weight: 900;
}

.option-card p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 14px;
}

.flags,
.source-note {
  margin-top: 16px;
  padding: 16px;
}

.flags h3,
.source-note h3 {
  margin-bottom: 10px;
  font-size: 17px;
}

.flags ul {
  display: grid;
  gap: 10px;
  margin: 0;
  padding-left: 20px;
  color: #3e484f;
  font-size: 14px;
}

.source-note p {
  margin-bottom: 10px;
  color: var(--muted);
  font-size: 13px;
}

.source-note p:last-child {
  margin-bottom: 0;
}

.total-panel {
  margin: 0 0 24px;
}

.compare-header {
  display: grid;
  grid-template-columns: minmax(0, 0.72fr) minmax(420px, 0.78fr);
  gap: 20px;
  align-items: center;
}

.compare-header .eyebrow {
  margin-bottom: 10px;
}

.compare-header h2 {
  margin-bottom: 6px;
  font-size: 34px;
  line-height: 1.06;
}

.quick-controls {
  display: grid;
  grid-template-columns: minmax(110px, 0.7fr) minmax(120px, 0.75fr) minmax(220px, 1.3fr);
  gap: 12px;
  align-items: end;
}

.years-control {
  margin: 0;
}

.quick-footnote {
  margin: 0;
  border-top: 1px solid var(--line);
  padding: 14px 24px 16px;
  color: var(--muted);
  font-size: 13px;
}

.total-body {
  display: grid;
  grid-template-columns: minmax(240px, 0.34fr) minmax(0, 1fr);
  gap: 18px;
  padding: 22px 24px 24px;
}

.total-summary {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 18px;
  background: var(--soft);
}

.total-summary span {
  display: block;
  margin-bottom: 7px;
  color: var(--teal);
  font-size: 12px;
  font-weight: 950;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.total-summary strong {
  display: block;
  margin-bottom: 8px;
  font-size: 24px;
  line-height: 1.12;
}

.total-summary p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 14px;
}

.comparison-bars {
  display: grid;
  gap: 12px;
}

.comparison-row {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 14px;
  background: #fff;
}

.comparison-row.lowest {
  border-color: rgba(47, 111, 115, 0.62);
  box-shadow: inset 4px 0 0 var(--teal);
}

.comparison-main,
.comparison-detail {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  align-items: baseline;
}

.comparison-main h3 {
  margin-bottom: 0;
  font-size: 17px;
}

.comparison-main span {
  font-size: 19px;
  font-weight: 950;
}

.bar-track {
  height: 12px;
  margin: 10px 0;
  border-radius: 999px;
  background: #ebe4da;
  overflow: hidden;
}

.bar-track div {
  height: 100%;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--teal), var(--moss));
}

.comparison-detail {
  flex-wrap: wrap;
  color: var(--muted);
  font-size: 13px;
  font-weight: 750;
}

.scenario-guide {
  display: grid;
  grid-template-columns: minmax(240px, 0.36fr) minmax(0, 1fr);
  gap: 24px;
  padding: 34px 0 8px;
}

.scenario-table-wrap {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 253, 249, 0.92);
  overflow-x: auto;
}

.scenario-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 760px;
}

.scenario-table th,
.scenario-table td {
  border-bottom: 1px solid var(--line);
  padding: 14px 16px;
  text-align: left;
  vertical-align: top;
}

.scenario-table th {
  color: var(--teal);
  font-size: 12px;
  font-weight: 950;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.scenario-table td {
  color: #3e484f;
  font-size: 14px;
}

.scenario-table tr:last-child td {
  border-bottom: 0;
}

.lifetime-strip {
  display: grid;
  grid-template-columns: minmax(240px, 0.34fr) minmax(0, 1fr);
  gap: 18px;
  border-top: 1px solid var(--line);
  padding: 22px 24px 24px;
  background: #fbfaf7;
}

.lifetime-strip > div:first-child {
  border-radius: 8px;
  padding: 18px;
  background: var(--navy);
  color: #fff;
}

.lifetime-strip span,
.data-intro .eyebrow {
  display: inline-flex;
  margin-bottom: 8px;
  color: inherit;
  font-size: 12px;
  font-weight: 950;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.lifetime-strip strong {
  display: block;
  margin-bottom: 8px;
  font-size: 23px;
  line-height: 1.12;
}

.lifetime-strip p {
  margin-bottom: 0;
  opacity: 0.86;
  font-size: 14px;
}

.lifetime-cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.lifetime-cards article {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 14px;
  background: #fff;
}

.lifetime-cards article.winner {
  border-color: rgba(47, 111, 115, 0.62);
  box-shadow: inset 0 4px 0 var(--teal);
}

.lifetime-cards span {
  color: var(--muted);
}

.lifetime-cards strong {
  color: var(--ink);
  font-size: 17px;
}

.lifetime-cards p {
  margin-bottom: 8px;
  color: var(--teal);
  font-weight: 900;
  opacity: 1;
}

.lifetime-cards small {
  display: block;
  color: var(--muted);
  font-size: 12px;
  font-weight: 750;
}

.data-section {
  display: grid;
  grid-template-columns: minmax(240px, 0.36fr) minmax(0, 1fr);
  gap: 24px;
  padding: 56px 0 8px;
}

.data-intro {
  align-self: start;
  position: sticky;
  top: 18px;
}

.data-intro .eyebrow {
  border-color: var(--line);
  color: var(--teal);
}

.data-intro h2 {
  margin-bottom: 10px;
  font-size: 34px;
  line-height: 1.06;
}

.data-intro p:last-child {
  color: var(--muted);
}

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

.data-grid article {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 18px;
  background: rgba(255, 253, 249, 0.9);
}

.data-grid h3 {
  margin-bottom: 8px;
  font-size: 18px;
}

.data-grid p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 14px;
}

.product-data {
  display: grid;
  grid-template-columns: minmax(240px, 0.42fr) minmax(0, 1fr);
  gap: 24px;
  align-items: start;
  padding: 48px 0 8px;
}

.product-data h2 {
  margin-bottom: 10px;
  font-size: 34px;
  line-height: 1.06;
}

.product-data p {
  color: var(--muted);
}

.product-cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.product-cards article {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 18px;
  background: rgba(255, 253, 249, 0.9);
}

.product-cards span {
  display: block;
  margin-bottom: 8px;
  color: var(--teal);
  font-size: 12px;
  font-weight: 950;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.product-cards strong {
  display: block;
  min-height: 52px;
  margin-bottom: 12px;
  font-size: 19px;
  line-height: 1.18;
}

.product-cards p {
  margin-bottom: 0;
  font-size: 14px;
}

.product-note {
  grid-column: 2;
  margin: 0;
  border-left: 4px solid var(--teal);
  border-radius: 8px;
  padding: 12px 14px;
  background: var(--soft);
  font-size: 14px;
}

.content-band {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  padding: 56px 0 24px;
}

.content-band article {
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 253, 249, 0.84);
}

.content-band h2 {
  margin-bottom: 8px;
  font-size: 21px;
}

.content-band p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 14px;
}

.quote-cta {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 20px;
  align-items: center;
  margin: 12px 0 48px;
  padding: 26px;
  border-radius: 8px;
  background: var(--navy);
  color: #fff;
}

.quote-cta h2 {
  margin-bottom: 6px;
  font-size: 30px;
}

.quote-cta p {
  max-width: 760px;
  margin-bottom: 0;
  opacity: 0.88;
}

button {
  border: 1px solid rgba(255, 255, 255, 0.34);
  border-radius: 8px;
  padding: 13px 16px;
  background: #fff;
  color: var(--navy);
  font: inherit;
  font-weight: 950;
}

footer {
  padding: 28px 0 44px;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 13px;
}

@media (max-width: 980px) {
  .hero,
  .quick-panel,
  .hub-grid,
  .calculator-layout,
  .quote-cta,
  .compare-header,
  .quick-controls,
  .total-body,
  .lifetime-strip,
  .data-section,
  .product-data,
  .scenario-guide {
    grid-template-columns: 1fr;
  }

  .results-panel {
    position: static;
  }

  .content-band,
  .quick-fields,
  .quick-options,
  .lifetime-cards,
  .data-grid,
  .product-cards {
    grid-template-columns: 1fr;
  }

  .data-intro {
    position: static;
  }

  .product-note {
    grid-column: auto;
  }
}

@media (max-width: 640px) {
  .site-shell {
    width: min(100% - 22px, 1180px);
  }

  .hero {
    padding-top: 28px;
  }

  .top-nav {
    position: static;
    align-items: flex-start;
    flex-direction: column;
  }

  .top-nav div {
    justify-content: flex-start;
  }

  .field-grid,
  .field-grid.compact,
  .metric-grid,
  dl {
    grid-template-columns: 1fr;
  }

  .panel-header,
  form,
  .recommendation,
  .result-body {
    padding-left: 18px;
    padding-right: 18px;
  }

  .option-head,
  .price-row,
  .comparison-main {
    align-items: flex-start;
    flex-direction: column;
  }
}