:root{
  --ink:#1F2A37; --ink-soft:#33414f;
  --teal:#0E7C7B; --teal-dk:#0A5C5B;
  --sand:#F4F1EA; --sand-dk:#E9E4D8;
  --card:#FFFFFF; --line:#E0D9CB;
  --gold:#B45309; --muted:#6B7280;
  --shadow:0 18px 50px -24px rgba(31,42,55,.45);
  --radius:18px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:"Inter",system-ui,sans-serif;
  background:var(--sand); color:var(--ink);
  line-height:1.6; -webkit-font-smoothing:antialiased;
  position:relative; overflow-x:hidden;
}
.wrap{width:min(1120px,92vw);margin-inline:auto}
h1,h2,h3{font-family:"Fraunces",Georgia,serif;font-weight:600;line-height:1.08;letter-spacing:-.01em}
a{color:inherit;text-decoration:none}
em{font-style:italic;color:var(--teal-dk)}

/* grain texture overlay */
.grain{position:fixed;inset:0;pointer-events:none;z-index:9999;opacity:.035;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}

/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(244,241,234,.82);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.head-inner{display:flex;align-items:center;justify-content:space-between;height:66px}
.brand{font-family:"Fraunces",serif;font-weight:600;font-size:1.35rem;letter-spacing:-.02em;display:flex;align-items:center;gap:.4rem}
.brand-mark{color:var(--teal)}
.brand-thin{color:var(--teal-dk);font-weight:400}
.head-nav{display:flex;align-items:center;gap:1.6rem;font-size:.95rem;font-weight:500}
.head-nav a:not(.head-cta){color:var(--ink-soft)}
.head-nav a:not(.head-cta):hover{color:var(--teal)}
.head-cta{background:var(--ink);color:#fff;padding:.55rem 1.1rem;border-radius:999px;transition:transform .2s,background .2s}
.head-cta:hover{background:var(--teal-dk);transform:translateY(-1px)}

/* hero */
.hero{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(2rem,5vw,4.5rem);align-items:center;padding:clamp(2.5rem,7vw,5.5rem) 0 3rem}
.eyebrow{font-size:.8rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--teal-dk);margin-bottom:1.1rem}
.eyebrow.light{color:#9fd6d3}
.hero h1{font-size:clamp(2.4rem,5.2vw,3.9rem)}
.hero .lede{margin-top:1.3rem;font-size:1.12rem;color:var(--ink-soft);max-width:34ch}
.trust{list-style:none;display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.8rem}
.trust li{font-size:.82rem;font-weight:600;color:var(--teal-dk);background:#fff;border:1px solid var(--line);padding:.4rem .85rem;border-radius:999px}
.trust li::before{content:"✓ ";color:var(--teal)}

/* calculator card */
.calc-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:clamp(1.4rem,2.5vw,2rem);position:relative}
.calc-card::before{content:"";position:absolute;inset:0;border-radius:var(--radius);padding:1px;background:linear-gradient(160deg,rgba(14,124,123,.5),transparent 40%);-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none}
.field{margin-bottom:1rem}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
label{display:block;font-size:.82rem;font-weight:600;color:var(--ink-soft);margin-bottom:.4rem}
.hint{font-weight:400;color:var(--muted);font-size:.74rem}
.input-money,.input-pct{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:11px;background:#fdfcfa;transition:border-color .15s,box-shadow .15s;overflow:hidden}
.input-money:focus-within,.input-pct:focus-within,select:focus{border-color:var(--teal);box-shadow:0 0 0 3px rgba(14,124,123,.13);outline:none}
.input-money span{padding:0 .3rem 0 .85rem;color:var(--muted);font-weight:600}
.input-pct span{padding:0 .85rem 0 .3rem;color:var(--muted);font-weight:600}
input[type=number],select{width:100%;border:0;background:transparent;font:inherit;font-weight:600;color:var(--ink);padding:.7rem .85rem}
input[type=number]{-moz-appearance:textfield}
input::-webkit-outer-spin-button,input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
select{border:1.5px solid var(--line);border-radius:11px;background:#fdfcfa;cursor:pointer}

/* result */
.result{margin:1.4rem 0 .4rem;padding:1.4rem;border-radius:14px;background:linear-gradient(165deg,var(--ink),#28333f);color:#fff;text-align:center;position:relative;overflow:hidden}
.result::after{content:"";position:absolute;width:220px;height:220px;background:radial-gradient(circle,rgba(14,124,123,.55),transparent 70%);top:-90px;right:-60px}
.result-label{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:#aeb9c2}
.result-hero{font-family:"Fraunces",serif;font-weight:600;font-size:clamp(2.8rem,8vw,3.6rem);color:#f6b66b;line-height:1.05;margin:.2rem 0;text-shadow:0 2px 18px rgba(0,0,0,.25)}
.result-sub{font-size:.92rem;color:#c4ccd2}
.result-sub span{color:#fff;font-weight:600}

/* breakdown */
.breakdown{list-style:none;margin-top:.4rem}
.breakdown li{display:flex;justify-content:space-between;align-items:center;padding:.62rem .2rem;border-bottom:1px dashed var(--line);font-size:.95rem}
.breakdown li span{color:var(--ink-soft)}
.breakdown li b{font-variant-numeric:tabular-nums;font-weight:700}
.breakdown li:last-child{border-bottom:0}
.breakdown .takehome{margin-top:.3rem;border-top:2px solid var(--ink);border-bottom:0;padding-top:.8rem;font-size:1.02rem}
.breakdown .takehome b{color:var(--teal-dk)}

/* due dates */
.duedates{padding:2.5rem 0}
.duedates h2{font-size:1.5rem;margin-bottom:1.2rem}
.due-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.due{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.1rem 1rem;text-align:center;transition:transform .2s,box-shadow .2s}
.due:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.due .q{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.1em;color:#fff;background:var(--teal);border-radius:999px;padding:.15rem .6rem;margin-bottom:.5rem}
.due b{display:block;font-family:"Fraunces",serif;font-size:1.5rem}
.due small{color:var(--muted)}

/* CTA */
.cta{padding:1.5rem 0 3.5rem}
.cta-inner{background:linear-gradient(150deg,var(--teal-dk),var(--ink));border-radius:26px;padding:clamp(2.2rem,5vw,3.6rem);color:#fff;text-align:center;position:relative;overflow:hidden}
.cta-inner::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 80% 0,rgba(246,182,107,.22),transparent 45%)}
.cta-inner h2{font-size:clamp(1.7rem,4vw,2.6rem);max-width:18ch;margin:.6rem auto 0;position:relative}
.cta-inner p{position:relative;max-width:52ch;margin:1.1rem auto 1.8rem;color:#d6dee2}
.btn-primary{position:relative;display:inline-block;background:var(--gold);color:#fff;font-weight:700;font-size:1.05rem;padding:1rem 2rem;border-radius:999px;box-shadow:0 12px 30px -10px rgba(180,83,9,.7);transition:transform .2s,box-shadow .2s}
.btn-primary:hover{transform:translateY(-2px) scale(1.02);box-shadow:0 18px 38px -10px rgba(180,83,9,.8)}
.cta-fine{margin-top:1rem!important;font-size:.85rem;color:#aeb9c2!important}

/* content */
.content{padding:1rem 0 1rem;max-width:min(760px,92vw)}
.content h2{font-size:clamp(1.8rem,3.5vw,2.3rem);margin-bottom:1rem}
.content h3{font-size:1.25rem;margin:1.8rem 0 .5rem;color:var(--teal-dk)}
.content p{margin-bottom:1rem;color:var(--ink-soft)}
.content a{color:var(--teal-dk);text-decoration:underline}
.disclaimer-inline{font-size:.9rem;background:#fff;border-left:3px solid var(--gold);padding:1rem 1.2rem;border-radius:0 10px 10px 0;color:var(--muted)!important;margin-top:1.5rem}

/* faq */
.faq{padding:2.5rem 0 3.5rem;max-width:min(760px,92vw)}
.faq h2{font-size:clamp(1.8rem,3.5vw,2.3rem);margin-bottom:1.3rem}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1rem 1.2rem;margin-bottom:.7rem;transition:box-shadow .2s}
details[open]{box-shadow:var(--shadow)}
summary{font-weight:600;cursor:pointer;list-style:none;position:relative;padding-right:1.6rem}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:0;top:-2px;font-size:1.4rem;color:var(--teal);transition:transform .2s}
details[open] summary::after{transform:rotate(45deg)}
details p{margin-top:.7rem;color:var(--ink-soft)}

/* footer */
.site-foot{background:var(--ink);color:#c4ccd2;padding:2.2rem 0}
.foot-inner{display:flex;flex-wrap:wrap;gap:1rem;align-items:center;justify-content:space-between}
.foot-brand{font-family:"Fraunces",serif;font-size:1.2rem;color:#fff}
.foot-disc{font-size:.82rem;max-width:52ch}

/* reveal animation */
.reveal{opacity:0;transform:translateY(18px);animation:rise .7s cubic-bezier(.2,.7,.2,1) forwards}
.hero .hero-copy{animation-delay:.05s}
.hero .calc-card{animation-delay:.18s}
.duedates.reveal{animation-delay:.05s}
.cta.reveal{animation-delay:.05s}
@keyframes rise{to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.reveal{animation:none;opacity:1;transform:none}}

/* responsive */
@media(max-width:860px){
  .hero{grid-template-columns:1fr;padding-top:2.5rem}
  .head-nav a:not(.head-cta){display:none}
  .due-grid{grid-template-columns:repeat(2,1fr)}
}