:root{
  --bg:#f4f7f6;
  --surface:#ffffff;
  --ink:#0e1a24;
  --muted:#5b6b73;
  --line:#e2e9e6;
  --accent:#0f9d6f;
  --accent-2:#0e7c86;
  --accent-ink:#12634a;
  --good:#0f9d6f;
  --danger:#d1495b;
  --up:#35d0a0;
  --display:"Space Grotesk",ui-sans-serif,system-ui,sans-serif;
  --sans:"Inter","Helvetica Neue",system-ui,sans-serif;
  --pad:clamp(18px,4vw,44px);
  --radius:16px;
  --shadow:0 14px 36px rgba(14,26,36,.07);
}
[data-theme="dark"]{
  --bg:#0c1519;
  --surface:#132027;
  --ink:#e9eef0;
  --muted:#93a4ac;
  --line:#26343b;
  --accent:#2fcf9f;
  --accent-2:#35c3cf;
  --accent-ink:#7fe6c4;
  --shadow:0 14px 36px rgba(0,0,0,.35);
}
*{box-sizing:border-box;margin:0}
html{-webkit-text-size-adjust:100%}
body{background:var(--bg);color:var(--ink);font-family:var(--sans);font-weight:400;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--display);font-weight:600;line-height:1.08;margin:0 0 .4em;letter-spacing:-.01em}
h1{font-size:clamp(2.2rem,5.6vw,3.6rem)}
h2{font-size:2rem}
h3{font-size:1.45rem}
p{margin:0 0 1em}
a{color:var(--accent-ink);font-weight:600}
a:hover{text-decoration:none}
.wrap{max-width:1160px;margin:0 auto;padding:0 var(--pad)}
/* Header */
.site-head{position:sticky;top:0;z-index:50;background:var(--bg);border-bottom:1px solid var(--line)}
.head-inner{display:flex;align-items:center;justify-content:space-between;gap:14px;padding-top:13px;padding-bottom:13px}
.brand{display:inline-flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink)}
.brand .logo{width:38px;height:38px;display:block;border-radius:4px}
.brand-name{font-family:var(--display);font-weight:600;font-size:1.5rem;letter-spacing:.01em}
.brand-name em{font-style:normal;color:var(--accent)}
.site-nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.site-nav a{display:inline-block;padding:9px 15px;border-radius:999px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.93rem}
.site-nav a:hover{background:var(--surface);color:var(--accent-ink)}
.theme-toggle{min-width:44px;min-height:44px;border:1.5px solid var(--line);background:var(--surface);color:var(--ink);border-radius:11px;cursor:pointer;font-size:1.15rem;line-height:1}
/* Hero */
.tool-hero{position:relative;overflow:hidden;border-bottom:1px solid var(--line);background:
  radial-gradient(52% 52% at 96% -6%,rgba(15,157,111,.14),transparent 62%),
  radial-gradient(40% 40% at -4% 18%,rgba(53,195,207,.10),transparent 60%)}
.tool-hero:before{content:"";position:absolute;inset:0;background:
  linear-gradient(rgba(14,26,36,.035) 1px,transparent 1px),
  linear-gradient(90deg,rgba(14,26,36,.035) 1px,transparent 1px);
  background-size:40px 40px;-webkit-mask-image:linear-gradient(180deg,rgba(0,0,0,.5),transparent 78%);mask-image:linear-gradient(180deg,rgba(0,0,0,.5),transparent 78%);pointer-events:none}
.tool-hero>.wrap{position:relative;padding-top:40px}
.tool-hero .lede{color:var(--muted);font-size:1.06rem;max-width:720px}
.eyebrow{display:inline-block;font-weight:600;font-size:.76rem;letter-spacing:.2em;text-transform:uppercase;color:var(--accent);margin-bottom:.6em}
/* Layout */
.roi-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:20px;align-items:start;padding-top:26px;padding-bottom:46px}
@media(max-width:960px){.roi-grid{grid-template-columns:1fr}}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.panel h2{font-size:1.5rem;margin-bottom:.1em}
.panel .sub{color:var(--muted);font-size:.9rem;margin-bottom:16px}
.field{margin-bottom:16px}
.field>label{display:block;font-weight:600;font-size:.82rem;margin-bottom:7px;color:var(--ink);letter-spacing:.01em}
.field .opt{color:var(--muted);font-weight:500;font-size:.76rem}
input[type=number],input[type=text]{
  width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;background:var(--surface);color:var(--ink);
  font-family:var(--sans);font-size:1.05rem;appearance:none;transition:.15s;font-weight:600;min-height:46px
}
input:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(15,157,111,.16)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:520px){.row2{grid-template-columns:1fr}}
.money{position:relative}
.money:before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-16%);font-weight:600;color:var(--muted)}
.money input{padding-left:30px}
/* Segmented templates */
.seg{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:22px}
@media(max-width:520px){.seg{grid-template-columns:repeat(2,1fr)}}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label{display:flex;align-items:center;justify-content:center;min-height:44px;padding:10px 8px;border:1.5px solid var(--line);border-radius:10px;background:var(--surface);cursor:pointer;font-weight:600;font-size:.86rem;transition:.15s;color:var(--ink);text-align:center}
.seg input:checked+label{border-color:var(--accent);background:rgba(15,157,111,.08);color:var(--accent-ink)}
.seg label:hover{border-color:var(--accent)}
/* Inflation line */
.infline{display:flex;align-items:center;justify-content:space-between;gap:14px;margin:4px 0 20px;flex-wrap:wrap}
.switch{display:inline-flex;align-items:center;gap:10px;cursor:pointer;font-weight:600;font-size:.9rem;min-height:44px}
.switch input{position:absolute;opacity:0;pointer-events:none}
.sw{position:relative;width:44px;height:24px;background:var(--line);border-radius:999px;transition:.18s;flex:none}
.sw:after{content:"";position:absolute;top:3px;left:3px;width:18px;height:18px;border-radius:50%;background:#fff;transition:.18s;box-shadow:0 1px 3px rgba(0,0,0,.25)}
.switch input:checked+.sw{background:var(--accent)}
.switch input:checked+.sw:after{transform:translateX(20px)}
.infval{display:none;align-items:center;gap:10px}
.infline.inf-on .infval{display:flex}
.infval span{font-size:.82rem;color:var(--muted);font-weight:600}
.infval input{width:92px;min-height:44px}
/* Result */
.result{display:flex;align-items:center;gap:18px;background:var(--ink);color:#fff;border-radius:14px;padding:22px 24px;flex-wrap:wrap}
[data-theme="dark"] .result{background:#071013}
.result .v{font-family:var(--display);font-weight:600;font-size:3rem;line-height:1}
.result .v small{font-size:1.2rem;color:var(--up)}
.result .l{color:#c9d6d1;font-size:.9rem;flex:1;min-width:150px}
.chips{display:flex;gap:10px;margin-top:12px;flex-wrap:wrap}
.chips span{background:rgba(15,157,111,.08);border:1px solid rgba(15,157,111,.25);color:var(--accent-ink);border-radius:999px;padding:7px 13px;font-size:.82rem;font-weight:600}
.chips b{color:var(--ink);font-family:var(--display)}
[data-theme="dark"] .chips span{background:rgba(47,207,159,.12)}
[data-theme="dark"] .chips b{color:var(--ink)}
.chips span.neg b{color:var(--danger)}
.formula{background:rgba(15,157,111,.05);border:1px dashed rgba(15,157,111,.35);border-radius:10px;padding:11px 14px;margin-top:12px;font-size:.85rem;color:var(--muted)}
.formula strong{color:var(--ink)}
/* Breakdown */
.breakdown{position:relative;overflow:hidden}
.breakdown .tag{position:absolute;top:18px;right:18px;font-size:.68rem;text-transform:uppercase;letter-spacing:.12em;font-weight:600;color:var(--accent)}
.gl{margin:8px 0 6px;border-radius:12px;padding:16px;background:linear-gradient(135deg,rgba(15,157,111,.10),rgba(53,195,207,.10));border:1px dashed var(--line)}
.gl .big{font-family:var(--display);font-weight:700;font-size:2.3rem;line-height:1;color:var(--accent)}
.gl .big small{font-size:1rem;font-weight:600;color:var(--muted)}
.gl .lblm{font-size:.82rem;color:var(--muted);margin-top:4px}
.gl p.empty{color:var(--muted);font-size:.88rem;margin:0}
.data-row{display:flex;justify-content:space-between;align-items:baseline;padding:9px 0;border-bottom:1px dashed var(--line);font-size:.95rem}
.data-row:last-child{border-bottom:none}
.data-row span:first-child{color:var(--muted)}
.data-row b{font-family:var(--display)}
.data-row small{display:block;font-size:.72rem;color:var(--muted);font-weight:500}
.data-row.output b{font-family:var(--display);font-size:1.25rem;color:var(--accent-ink)}
[data-theme="dark"] .data-row.output b{color:var(--up)}
.buy{margin-top:12px;font-size:.86rem;color:var(--muted);background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:12px 14px}
.buy b{color:var(--ink)}
/* Content / articles */
.page{padding:54px 0 20px}
.page-narrow{max-width:760px}
.page-lede{font-size:1.08rem;color:var(--muted);max-width:660px}
.content-section{padding:34px 0 46px}
.content-section .inner{max-width:1160px;margin:0 auto;padding:0 var(--pad)}
.article-list{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:26px}
@media(max-width:760px){.article-list{grid-template-columns:1fr}}
.article-card{display:block;background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:22px;text-decoration:none;color:var(--ink);transition:.18s;box-shadow:var(--shadow)}
.article-card:hover{border-color:var(--accent);transform:translateY(-3px)}
.article-card h2{font-size:1.3rem;margin-bottom:.4em}
.article-card p{color:var(--muted);font-size:.94rem;margin:0}
.article-body h2{margin-top:1.6em}
.article-body ul,.article-body ol{padding-left:0;list-style:none;margin:0 0 1em}
.article-body li{margin-bottom:.6em;padding-left:22px;position:relative}
.article-body ul li:before{content:"▲";position:absolute;left:0;top:0;font-size:.72em;color:var(--accent)}
.article-body ol{counter-reset:li}
.article-body ol li{counter-increment:li}
.article-body ol li:before{content:counter(li) ".";position:absolute;left:0;color:var(--accent);font-family:var(--display);font-weight:600}
.quote{border-left:4px solid var(--accent);background:var(--surface);border-radius:0 12px 12px 0;padding:16px 20px;margin:1.4em 0;color:var(--muted)}
.article-meta{display:flex;gap:12px;color:var(--muted);font-size:.85rem;margin:0 0 1.6em;flex-wrap:wrap;list-style:none}
.article-meta span{background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:5px 12px}
/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:10px;border:none;background:var(--accent);color:#fff;font-family:var(--sans);font-weight:600;font-size:1rem;cursor:pointer;text-decoration:none;min-height:44px;transition:.15s}
.btn:hover{background:var(--accent-ink)}
/* Footer */
.site-foot{border-top:1px solid var(--line);background:var(--surface)}
.foot-grid{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;padding-top:34px;padding-bottom:26px;flex-wrap:wrap}
.foot-brand{font-family:var(--display);font-weight:600;font-size:1.2rem;margin:0}
.site-foot nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
.site-foot nav a{display:inline-block;padding:7px 11px;border-radius:999px;color:var(--muted);text-decoration:none;font-size:.9rem}
.site-foot nav a:hover{background:var(--bg);color:var(--accent-ink)}
.foot-legal{border-top:1px dashed var(--line);padding:16px var(--pad);color:var(--muted);font-size:.82rem;text-align:center}
/* Cookie banner */
.cookie-banner{position:fixed;left:16px;right:16px;bottom:16px;z-index:100;display:none;align-items:center;gap:14px;justify-content:space-between;flex-wrap:wrap;background:var(--ink);color:#fff;border-radius:14px;padding:14px 18px;box-shadow:var(--shadow);max-width:660px;margin:0 auto}
[data-theme="dark"] .cookie-banner{background:#071013}
.cookie-banner p{margin:0;font-size:.9rem;flex:1;min-width:220px;color:#d6d2c6}
.cookie-banner button{border:none;border-radius:10px;padding:9px 16px;font-family:var(--sans);font-weight:600;font-size:.9rem;cursor:pointer;min-height:40px}
#cookie-accept{background:var(--accent);color:#fff}
/* Responsive menu */
.menu-btn{display:none}
@media(max-width:640px){
  header:has(.menu-btn) .site-nav{position:relative}
  .menu-btn{display:none}
  header:has(.menu-btn) .menu-btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 16px;border:1.5px solid var(--line);background:var(--surface);border-radius:10px;font-family:var(--sans);font-weight:600;font-size:.9rem;cursor:pointer;color:var(--ink)}
  header:has(.menu-btn) #nav-menu{display:none;position:absolute;right:0;top:calc(100% + 8px);background:var(--surface);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);min-width:200px;z-index:60;padding:8px}
  header:has(.menu-btn) #nav-menu.open{display:block}
  header:has(.menu-btn) .site-nav ul{flex-direction:column;gap:0}
  header:has(.menu-btn) .site-nav a{display:block;border-radius:10px}
}
@media(max-width:375px){body{font-size:.95rem}.gl .big{font-size:1.9rem}}
@media(prefers-reduced-motion:reduce){*{transition:none!important}}