:root {
  color-scheme: light;
  --bg: #f7f8fa;
  --surface: #fff;
  --surface-muted: #eff3f4;
  --ink: #18232b;
  --muted: #61717b;
  --faint: #8b99a0;
  --border: #dce4e6;
  --border-strong: #c4d0d3;
  --accent: #08736f;
  --accent-strong: #075651;
  --accent-soft: #dff1ee;
  --warm: #cf743a;
  --warm-soft: #fff0e7;
  --shadow: 0 18px 42px rgba(22, 40, 48, .08);
  --radius: 16px;
  --max: 1120px;
  --font: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

[data-theme="dark"] { color-scheme: dark; --bg: #11191d; --surface: #192327; --surface-muted: #202e32; --ink: #eef5f4; --muted: #a8b8b9; --faint: #829494; --border: #334448; --border-strong: #4e6064; --accent: #6cd0c4; --accent-strong: #91e6dc; --accent-soft: #193f3d; --warm: #f1a26c; --warm-soft: #3d2c22; --shadow: 0 18px 42px rgba(0, 0, 0, .24); }
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--font); line-height: 1.55; text-rendering: optimizeLegibility; }
a { color: var(--accent-strong); text-underline-offset: .16em; }
a:hover { color: var(--accent); }
button, input, select { font: inherit; }
button, select { cursor: pointer; }
:focus-visible { outline: 3px solid color-mix(in srgb, var(--accent) 60%, transparent); outline-offset: 3px; }
.shell { width: min(calc(100% - 2rem), var(--max)); margin: 0 auto; }
.skip-link { position: absolute; left: 1rem; top: -4rem; z-index: 10; padding: .55rem .8rem; color: #fff; background: var(--accent-strong); border-radius: .45rem; }
.skip-link:focus { top: 1rem; }
.site-header { border-bottom: 1px solid var(--border); background: color-mix(in srgb, var(--surface) 94%, transparent); }
.header-inner { min-height: 4.4rem; display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; }
.brand { display: inline-flex; align-items: center; gap: .55rem; color: var(--ink); font-weight: 760; text-decoration: none; letter-spacing: -.02em; }
.brand-mark { width: 1.75rem; height: 1.75rem; display: grid; place-items: center; border-radius: .55rem; color: #fff; background: var(--accent); font-size: .85rem; font-weight: 850; }
.brand-product { color: var(--muted); font-weight: 500; }
.site-nav { display: flex; align-items: center; gap: 1.05rem; font-size: .9rem; }
.site-nav a { color: var(--muted); text-decoration: none; }
.site-nav a:hover { color: var(--ink); }
.theme-control { display: inline-flex; align-items: center; gap: .4rem; color: var(--muted); font-size: .82rem; }
.theme-control input { accent-color: var(--accent); }
.hero { display: grid; grid-template-columns: minmax(0, 1fr) minmax(350px, 470px); gap: clamp(2rem, 7vw, 6rem); align-items: center; padding: 5.4rem 0 4rem; }
.hero-copy { max-width: 590px; }
.eyebrow { margin: 0 0 .65rem; color: var(--accent); font-size: .73rem; font-weight: 850; letter-spacing: .17em; }
h1, h2, h3, p { margin-top: 0; }
h1 { max-width: 650px; margin-bottom: 1.1rem; font-size: clamp(2.5rem, 6vw, 5.15rem); line-height: 1.01; letter-spacing: -.065em; }
.lede { max-width: 570px; color: var(--muted); font-size: clamp(1.05rem, 1.8vw, 1.25rem); }
.hero-notes { display: flex; flex-wrap: wrap; gap: .65rem; margin-top: 1.8rem; color: var(--muted); font-size: .86rem; }
.hero-notes span { padding: .45rem .7rem; border: 1px solid var(--border); border-radius: 99px; background: var(--surface); }
.hero-notes b { color: var(--ink); }
.calculator-card { padding: 1.4rem; border: 1px solid var(--border); border-radius: var(--radius); background: var(--surface); box-shadow: var(--shadow); }
.card-heading { display: flex; align-items: flex-start; justify-content: space-between; gap: 1rem; margin-bottom: 1.2rem; }
.card-heading h2 { margin: 0; font-size: 1.45rem; letter-spacing: -.03em; }
.privacy-badge { color: var(--accent-strong); background: var(--accent-soft); border-radius: 99px; padding: .35rem .55rem; font-size: .68rem; font-weight: 750; white-space: nowrap; }
.field-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: .85rem; }
.field { display: grid; gap: .4rem; color: var(--muted); font-size: .82rem; font-weight: 650; }
.field small, .toggle-copy small, .form-note { color: var(--faint); font-size: .73rem; font-weight: 450; }
.input-prefix { display: flex; align-items: center; gap: .2rem; padding: .7rem .75rem; border: 1px solid var(--border-strong); border-radius: .65rem; background: var(--surface); color: var(--faint); font-size: 1.2rem; }
.input-prefix input { width: 100%; border: 0; outline: 0; background: transparent; color: var(--ink); font-size: 1.2rem; font-weight: 750; }
select { width: 100%; padding: .76rem .7rem; border: 1px solid var(--border-strong); border-radius: .65rem; background: var(--surface); color: var(--ink); }
.option-group { display: grid; gap: .1rem; margin: 1.35rem 0 0; padding: 0; border: 0; }
.option-group legend { margin-bottom: .55rem; color: var(--muted); font-size: .78rem; font-weight: 750; }
.toggle-row { display: flex; align-items: center; gap: .65rem; padding: .68rem 0; border-top: 1px solid var(--border); }
.toggle-row > input { flex: 0 0 auto; width: 1.05rem; height: 1.05rem; accent-color: var(--accent); }
.toggle-copy { display: grid; flex: 1; gap: .05rem; min-width: 0; color: var(--ink); font-size: .84rem; }
.toggle-copy b { font-weight: 700; }
.toggle-row select { width: auto; min-width: 5.6rem; padding: .4rem .45rem; font-size: .8rem; }
.toggle-row select:disabled { opacity: .48; cursor: not-allowed; }
.toggle-chip { color: var(--muted); font-size: .7rem; white-space: nowrap; }
.form-note { margin: 1rem 0 0; }
.results { margin-bottom: 5rem; padding: 2rem; border: 1px solid var(--border); border-radius: var(--radius); background: var(--surface); box-shadow: var(--shadow); }
.result-lead { display: flex; align-items: flex-end; justify-content: space-between; gap: 1.5rem; padding-bottom: 1.5rem; border-bottom: 1px solid var(--border); }
.result-lead h2 { margin: 0 0 .3rem; font-size: clamp(1.35rem, 3vw, 2rem); letter-spacing: -.04em; }
.result-caption { margin: 0; color: var(--muted); font-size: .9rem; }
.result-caption span:first-child { color: var(--ink); font-weight: 700; }
.net-figure { text-align: right; }
.net-figure > span { display: block; color: var(--accent-strong); font-size: clamp(2.15rem, 5vw, 4rem); font-weight: 820; line-height: 1; letter-spacing: -.06em; }
.net-figure small { display: block; margin-top: .4rem; color: var(--muted); font-size: .78rem; }
.breakdown-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: .8rem; padding: 1.35rem 0; }
.breakdown-card { min-width: 0; padding: 1rem; border: 1px solid var(--border); border-radius: .75rem; background: var(--surface-muted); }
.breakdown-card.highlight { border-color: color-mix(in srgb, var(--accent) 38%, var(--border)); background: var(--accent-soft); }
.breakdown-label { display: block; color: var(--muted); font-size: .76rem; font-weight: 700; }
.breakdown-card strong { display: block; margin: .4rem 0 .1rem; font-size: 1.35rem; letter-spacing: -.04em; }
.breakdown-card small { display: block; min-height: 1.3rem; color: var(--muted); font-size: .71rem; }
.bar { height: .28rem; margin-top: .8rem; overflow: hidden; border-radius: 99px; background: color-mix(in srgb, var(--border) 70%, transparent); }
.bar i { display: block; height: 100%; width: 0; border-radius: inherit; background: var(--accent); transition: width .2s ease; }
.breakdown-card:nth-child(2) .bar i { background: #5b8790; }
.breakdown-card:nth-child(3) .bar i { background: var(--warm); }
.breakdown-card:nth-child(4) .bar i { background: #7b6bb0; }
.result-footnote { display: flex; flex-wrap: wrap; gap: .4rem 1.25rem; color: var(--muted); font-size: .75rem; }
.result-footnote span + span::before { content: "•"; margin-right: 1.25rem; color: var(--faint); }
.insight { padding: 0 0 5rem; }
.section-heading { max-width: 650px; margin-bottom: 1.6rem; }
.section-heading h2 { margin-bottom: .6rem; font-size: clamp(1.8rem, 4vw, 3rem); line-height: 1.08; letter-spacing: -.055em; }
.section-heading p:last-child { color: var(--muted); }
.insight-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.insight-grid article { padding: 1.25rem; border-top: 2px solid var(--accent); background: var(--surface); }
.icon { display: inline-grid; place-items: center; width: 2rem; height: 2rem; margin-bottom: 1rem; border-radius: .55rem; color: var(--accent-strong); background: var(--accent-soft); font-size: .7rem; font-weight: 850; }
.insight-grid h3 { margin-bottom: .45rem; font-size: 1.05rem; }
.insight-grid p { margin: 0; color: var(--muted); font-size: .88rem; }
.source-strip { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; margin-bottom: 5rem; padding: 1.5rem; border: 1px solid var(--border); border-radius: var(--radius); background: var(--surface-muted); }
.source-strip h2 { margin: 0 0 .3rem; font-size: 1.35rem; letter-spacing: -.03em; }
.source-strip p:last-child { margin: 0; color: var(--muted); font-size: .85rem; }
.button { display: inline-flex; align-items: center; gap: .55rem; padding: .7rem .9rem; border-radius: .6rem; text-decoration: none; font-size: .84rem; font-weight: 750; white-space: nowrap; }
.button.secondary { border: 1px solid var(--border-strong); color: var(--ink); background: var(--surface); }
.button.secondary:hover { border-color: var(--accent); color: var(--accent-strong); }
.site-footer { border-top: 1px solid var(--border); background: var(--surface); }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 2rem; padding: 2.8rem 0; }
.footer-grid p { max-width: 300px; color: var(--muted); font-size: .82rem; }
.footer-brand { margin-bottom: .8rem; }
.footer-grid > div:not(:first-child) { display: grid; align-content: start; gap: .45rem; }
.footer-grid a { width: fit-content; color: var(--muted); font-size: .82rem; }
.footer-grid a:hover { color: var(--accent); }
.footer-label { margin-bottom: .2rem; color: var(--ink) !important; font-size: .74rem !important; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.footer-bottom { display: flex; justify-content: space-between; gap: 1rem; padding: 1rem 0; border-top: 1px solid var(--border); color: var(--faint); font-size: .73rem; }
.trust-page { max-width: 760px; padding: 5rem 0; }
.trust-page h1 { max-width: none; margin-bottom: 1rem; font-size: clamp(2.4rem, 5vw, 4rem); }
.trust-page .intro { color: var(--muted); font-size: 1.12rem; }
.trust-page h2 { margin: 2.4rem 0 .55rem; font-size: 1.35rem; letter-spacing: -.025em; }
.trust-page p, .trust-page li { color: var(--muted); }
.trust-page li + li { margin-top: .45rem; }
.trust-page .callout { padding: 1rem 1.15rem; border-left: 3px solid var(--accent); background: var(--accent-soft); }
@media (max-width: 820px) { .hero { grid-template-columns: 1fr; padding-top: 3.6rem; } .hero-copy { max-width: none; } .breakdown-grid { grid-template-columns: repeat(2, 1fr); } .insight-grid { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .shell { width: min(calc(100% - 1.2rem), var(--max)); } .header-inner { align-items: flex-start; padding: .85rem 0; } .site-nav { flex-wrap: wrap; justify-content: flex-end; gap: .55rem .75rem; font-size: .78rem; } .brand-product { display: none; } h1 { font-size: 2.7rem; } .field-grid { grid-template-columns: 1fr; } .toggle-row { align-items: flex-start; } .toggle-chip { display: none; } .results { padding: 1.1rem; } .result-lead { align-items: flex-start; flex-direction: column; } .net-figure { text-align: left; } .breakdown-grid { gap: .55rem; } .breakdown-card { padding: .75rem; } .breakdown-card strong { font-size: 1.05rem; } .result-footnote { display: block; } .result-footnote span { display: block; margin-top: .3rem; } .result-footnote span + span::before { content: ""; margin: 0; } .source-strip { align-items: flex-start; flex-direction: column; } .footer-grid { grid-template-columns: 1fr 1fr; } .footer-grid > div:first-child { grid-column: 1 / -1; } .footer-bottom { flex-direction: column; } }

/* Reference-system alignment: restrained serif headings, ruled navigation and data-led surfaces. */
:root {
  --bg: #fcfcfa;
  --surface: #fcfcfa;
  --surface-muted: #f5f5f1;
  --ink: #20201e;
  --muted: #6e706d;
  --faint: #94958f;
  --border: #d8d9d4;
  --border-strong: #bfc1ba;
  --accent: #327769;
  --accent-strong: #245b50;
  --accent-soft: #e8f0ec;
  --warm: #9a5f54;
  --shadow: none;
  --radius: 0;
  --max: 1140px;
  --font: Arial, Helvetica, sans-serif;
  --serif: Georgia, "Times New Roman", serif;
}

[data-theme="dark"] {
  --bg: #191a18;
  --surface: #191a18;
  --surface-muted: #20221f;
  --ink: #eeeeda;
  --muted: #b2b3a9;
  --faint: #888a82;
  --border: #4a4c46;
  --border-strong: #696b63;
  --accent: #79b8a3;
  --accent-strong: #a5d4c1;
  --accent-soft: #253b34;
  --warm: #d69a8e;
}

body { background: var(--bg); color: var(--ink); font-size: 15px; }
a { color: var(--ink); }
a:hover { color: var(--accent-strong); }
.shell { width: min(calc(100% - 2rem), 1140px); }
.site-header { border-bottom: 0; background: var(--bg); }
.header-inner { min-height: 3.55rem; padding: .55rem 0 .45rem; border-bottom: 1px solid var(--ink); }
.brand { color: var(--ink); font-family: var(--serif); font-size: 1.72rem; font-weight: 400; letter-spacing: -.04em; }
.brand-mark { display: none; }
.brand-product { margin-left: .3rem; color: var(--muted); font-family: var(--font); font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.site-nav { gap: 1.25rem; color: var(--muted); font-size: .68rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.site-nav a { color: var(--muted); }
.site-nav a:hover { color: var(--ink); }
.theme-control { color: var(--ink); font-size: .66rem; letter-spacing: .1em; text-transform: uppercase; }
.theme-control input { width: 1rem; height: 1rem; margin: 0; accent-color: var(--accent); }
.hero { grid-template-columns: minmax(0, 1fr) minmax(360px, 430px); gap: clamp(2rem, 7vw, 5rem); align-items: start; padding: 3rem 0 2.5rem; border-bottom: 1px solid var(--border); }
.hero-copy { max-width: 720px; }
.eyebrow { margin-bottom: .55rem; color: var(--muted); font-size: .66rem; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; }
h1, h2, h3 { font-family: var(--serif); font-weight: 400; letter-spacing: -.025em; }
h1 { max-width: 720px; margin-bottom: .75rem; font-size: clamp(2.15rem, 4.6vw, 3.25rem); line-height: 1.05; }
.lede { max-width: 700px; margin-bottom: .65rem; color: var(--muted); font-size: 1rem; }
.hero-notes { gap: .2rem 1.2rem; margin-top: 1.35rem; color: var(--muted); font-size: .76rem; }
.hero-notes span { padding: 0; border: 0; border-radius: 0; background: transparent; }
.hero-notes b { color: var(--ink); font-weight: 700; }
.calculator-card { padding: 1rem 0 0; border: 0; border-top: 1px solid var(--ink); border-radius: 0; background: transparent; box-shadow: none; }
.card-heading { padding-bottom: .7rem; border-bottom: 1px solid var(--border); }
.card-heading h2 { margin: 0; font-size: 1.55rem; }
.privacy-badge { padding: 0; color: var(--muted); background: transparent; border-radius: 0; font-size: .68rem; font-weight: 400; }
.field { color: var(--muted); font-size: .76rem; font-weight: 700; }
.input-prefix { padding: .25rem .5rem; border: 1px solid var(--border); border-radius: 0; background: var(--surface); font-size: 1.1rem; }
.input-prefix input { font-size: 1.1rem; font-weight: 400; }
select { padding: .48rem .55rem; border: 1px solid var(--border); border-radius: 0; background: var(--surface); color: var(--ink); }
.option-group { margin-top: 1.2rem; }
.option-group legend { margin-bottom: .35rem; color: var(--muted); font-size: .68rem; letter-spacing: .1em; text-transform: uppercase; }
.toggle-row { padding: .58rem 0; border-top: 1px solid var(--border); }
.toggle-copy { font-size: .8rem; }
.toggle-copy b { font-weight: 700; }
.toggle-chip { color: var(--muted); font-size: .68rem; }
.form-note { margin-top: .8rem; color: var(--faint); }
.results { margin-bottom: 4.2rem; padding: 1.3rem 0 1rem; border: 0; border-top: 1px solid var(--ink); border-bottom: 1px solid var(--border); border-radius: 0; background: transparent; box-shadow: none; }
.result-lead { padding-bottom: 1rem; }
.result-lead h2 { margin-bottom: .2rem; font-size: clamp(1.55rem, 3vw, 2.15rem); }
.result-caption { font-size: .8rem; }
.net-figure > span { color: var(--ink); font-family: var(--serif); font-size: clamp(2rem, 5vw, 3.35rem); font-weight: 400; }
.net-figure small { color: var(--muted); font-size: .76rem; }
.breakdown-grid { gap: 0; padding: 1rem 0; border-bottom: 1px solid var(--border); }
.breakdown-card { padding: .7rem .75rem .7rem 0; border: 0; border-right: 1px solid var(--border); border-radius: 0; background: transparent; }
.breakdown-card + .breakdown-card { padding-left: .75rem; }
.breakdown-card:last-child { border-right: 0; }
.breakdown-card.highlight { border-color: var(--border); background: transparent; }
.breakdown-label { font-size: .7rem; }
.breakdown-card strong { font-family: var(--serif); font-size: 1.25rem; font-weight: 400; }
.breakdown-card small { font-size: .7rem; }
.bar { height: .18rem; margin-top: .6rem; border-radius: 0; background: var(--surface-muted); }
.bar i { border-radius: 0; }
.result-footnote { padding-top: .2rem; font-size: .72rem; }
.insight { padding-bottom: 4.2rem; }
.section-heading { max-width: 720px; margin-bottom: 1.25rem; }
.section-heading h2 { margin-bottom: .6rem; font-size: clamp(1.55rem, 3vw, 2.2rem); }
.section-heading p:last-child { color: var(--muted); font-size: .9rem; }
.insight-grid { gap: 0 1.25rem; }
.insight-grid article { padding: 1rem 1rem 0 0; border-top: 1px solid var(--border); background: transparent; }
.icon { display: block; width: auto; height: auto; margin-bottom: .65rem; border-radius: 0; color: var(--muted); background: transparent; font-family: var(--font); font-size: .68rem; font-weight: 700; letter-spacing: .12em; }
.insight-grid h3 { margin-bottom: .4rem; font-size: 1.2rem; }
.insight-grid p { font-size: .82rem; }
.source-strip { align-items: end; margin-bottom: 4.2rem; padding: 1rem 0; border: 0; border-top: 1px solid var(--ink); border-bottom: 1px solid var(--border); border-radius: 0; background: transparent; }
.source-strip h2 { margin-bottom: .3rem; font-size: 1.45rem; }
.source-strip p:last-child { font-size: .78rem; }
.button { padding: .42rem .65rem; border: 1px solid var(--border); border-radius: 999px; color: var(--ink); background: var(--surface); font-size: .72rem; font-weight: 700; }
.button.secondary:hover { border-color: var(--ink); color: var(--ink); }
.site-footer { border-top: 1px solid var(--ink); background: var(--bg); }
.footer-grid { gap: 2rem; padding: 1.4rem 0 1.1rem; }
.footer-brand { margin-bottom: .55rem; }
.footer-grid p { color: var(--muted); font-size: .76rem; }
.footer-grid a { color: var(--muted); font-size: .72rem; }
.footer-label { color: var(--ink) !important; font-size: .66rem !important; }
.footer-bottom { padding: .8rem 0 1.5rem; border-top: 1px solid var(--border); color: var(--muted); font-size: .7rem; }
.trust-page { max-width: 760px; padding: 3rem 0 4rem; }
.trust-page h1 { font-size: clamp(2.1rem, 4vw, 3rem); }
.trust-page h2 { font-size: 1.5rem; }
.trust-page .callout { padding: .75rem .9rem; border-left: 2px solid var(--accent); background: var(--surface-muted); }
@media (max-width: 820px) {
  .hero { grid-template-columns: 1fr; padding-top: 2.4rem; }
  .calculator-card { max-width: 620px; }
  .breakdown-grid { grid-template-columns: repeat(2, 1fr); }
  .breakdown-card:nth-child(2) { border-right: 0; }
  .breakdown-card:nth-child(-n+2) { border-bottom: 1px solid var(--border); }
}
@media (max-width: 560px) {
  .shell { width: min(calc(100% - 1.2rem), 1140px); }
  .header-inner { align-items: flex-start; padding: .7rem 0; }
  .site-nav { justify-content: flex-end; gap: .45rem .75rem; font-size: .66rem; }
  .brand-product { display: none; }
  h1 { font-size: 2.25rem; }
  .field-grid { grid-template-columns: 1fr; }
  .results { padding-top: 1rem; }
  .result-lead { align-items: flex-start; flex-direction: column; }
  .net-figure { text-align: left; }
  .result-footnote { display: block; }
  .result-footnote span { display: block; margin-top: .3rem; }
  .result-footnote span + span::before { content: ""; margin: 0; }
  .source-strip { align-items: flex-start; flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; }
}