:root {
  color-scheme: light;
  --navy: #0a0f1e;
  --navy-2: #11182a;
  --orange: #e8820c;
  --orange-2: #f59e0b;
  --orange-dark: #c96d08;
  --orange-soft: #fff4e5;
  --orange-gradient: linear-gradient(135deg, #e8820c, #f59e0b);
  --white: #fff;
  --light: #f8f9fc;
  --light-warm: #fffaf3;
  --border: #e8eaf0;
  --border-strong: #d6dae4;
  --text: #2d3250;
  --muted: #6b7280;
  --danger: #a31d35;
  --danger-soft: #fff1f3;
  --shadow-sm: 0 10px 30px rgba(10, 15, 30, .08);
  --shadow-lg: 0 28px 80px rgba(10, 15, 30, .18);
  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 20px;
  --content: 1200px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body {
  margin: 0;
  overflow-x: hidden;
  background: var(--white);
  color: var(--text);
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
}
button, input, select { font: inherit; }
a { color: inherit; }
h1, h2, h3, p { margin-top: 0; }

.skip-link {
  position: fixed;
  top: 8px;
  left: 8px;
  z-index: 10000;
  transform: translateY(-150%);
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--navy);
  padding: 10px 14px;
  font-weight: 800;
  text-decoration: none;
}
.skip-link:focus { transform: translateY(0); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 1px solid rgba(232, 130, 12, .18);
  background: rgba(10, 15, 30, .97);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
}
.header-inner {
  width: min(100% - 32px, var(--content));
  min-height: 68px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 18px;
}
.brand {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
  color: var(--white);
  text-decoration: none;
}
.brand img { width: 48px; height: 48px; object-fit: contain; }
.header-nav {
  display: none;
  align-items: center;
  gap: 2px;
  margin-left: auto;
}
.header-nav a {
  border-radius: 7px;
  color: rgba(255, 255, 255, .78);
  padding: 8px 12px;
  font-size: 14px;
  font-weight: 650;
  text-decoration: none;
  transition: background 160ms ease, color 160ms ease;
}
.header-nav a:hover, .header-nav a:focus-visible {
  background: rgba(255, 255, 255, .09);
  color: var(--white);
}
.header-cta {
  min-height: 44px;
  margin-left: auto;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  background: var(--orange-gradient);
  box-shadow: 0 5px 18px rgba(232, 130, 12, .34);
  color: var(--white);
  padding: 9px 14px;
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
  white-space: nowrap;
  transition: transform 160ms ease, box-shadow 160ms ease;
}
.header-cta:hover, .header-cta:focus-visible {
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(232, 130, 12, .42);
}

.hero {
  position: relative;
  min-height: 410px;
  overflow: hidden;
  display: grid;
  gap: 28px;
  align-items: center;
  padding: 44px max(20px, calc((100vw - var(--content)) / 2)) 108px;
  background: var(--navy);
  color: var(--white);
}
.hero::before, .hero::after {
  content: "";
  position: absolute;
  pointer-events: none;
}
.hero::before {
  inset: 0;
  background:
    radial-gradient(ellipse 55% 70% at 83% 35%, rgba(232, 130, 12, .17), transparent 68%),
    radial-gradient(ellipse 42% 66% at 4% 22%, rgba(245, 158, 11, .07), transparent 70%);
}
.hero::after {
  width: 520px;
  height: 520px;
  right: -260px;
  bottom: -340px;
  border: 1px solid rgba(232, 130, 12, .24);
  border-radius: 50%;
  box-shadow: 0 0 0 76px rgba(232, 130, 12, .025), 0 0 0 152px rgba(232, 130, 12, .018);
}
.hero-copy, .hero-note { position: relative; z-index: 1; }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 13px;
  color: var(--orange-2);
  font-size: 11px;
  font-weight: 900;
  letter-spacing: .14em;
  text-transform: uppercase;
}
.eyebrow::before { content: ""; width: 28px; border-top: 2px solid currentColor; }
.hero h1 {
  max-width: 780px;
  margin-bottom: 16px;
  color: var(--white);
  font-size: clamp(2.35rem, 9vw, 4.9rem);
  font-weight: 900;
  letter-spacing: -.055em;
  line-height: .98;
}
.hero h1 span { display: block; color: var(--orange-2); }
.hero-lede {
  max-width: 680px;
  margin-bottom: 20px;
  color: rgba(255, 255, 255, .69);
  font-size: clamp(1rem, 2.4vw, 1.16rem);
  line-height: 1.65;
}
.hero-proof { display: flex; flex-wrap: wrap; gap: 10px 18px; }
.proof-chip {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: rgba(255, 255, 255, .72);
  font-size: 13px;
  font-weight: 700;
}
.proof-chip > span {
  width: 18px;
  height: 18px;
  display: inline-grid;
  place-items: center;
  border-radius: 50%;
  background: rgba(232, 130, 12, .18);
  color: var(--orange-2);
  font-size: 10px;
}
.hero-note {
  border: 1px solid rgba(255, 255, 255, .12);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, .055);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .06);
  padding: 20px;
}
.hero-note-mark {
  width: 42px;
  height: 42px;
  margin-bottom: 14px;
  display: grid;
  place-items: center;
  border-radius: 10px;
  background: var(--orange-gradient);
  box-shadow: 0 6px 20px rgba(232, 130, 12, .35);
  color: var(--white);
  font-size: 21px;
  font-weight: 900;
}
.hero-note p {
  margin-bottom: 14px;
  color: rgba(255, 255, 255, .74);
  font-size: 14px;
  line-height: 1.65;
}
.hero-note a {
  display: inline-flex;
  gap: 7px;
  color: var(--orange-2);
  font-size: 13px;
  font-weight: 850;
  text-decoration: none;
}

.calculator-shell {
  position: relative;
  z-index: 5;
  width: min(100% - 32px, var(--content));
  margin: -72px auto 0;
  padding-bottom: 44px;
}
.calculator-grid {
  display: grid;
  overflow: hidden;
  border: 1px solid rgba(10, 15, 30, .09);
  border-radius: var(--radius-lg);
  background: var(--white);
  box-shadow: var(--shadow-lg);
}
.calculator-form, .result-panel { padding: 24px; }
.calculator-form { background: var(--white); }
.step-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 9px;
  color: var(--orange-dark);
  font-size: 11px;
  font-weight: 900;
  letter-spacing: .12em;
  text-transform: uppercase;
}
.section-title {
  margin-bottom: 7px;
  color: var(--navy);
  font-size: clamp(1.45rem, 4vw, 2rem);
  font-weight: 900;
  letter-spacing: -.035em;
  line-height: 1.15;
}
.section-help { margin-bottom: 20px; color: var(--muted); font-size: 14px; }
.regime-list {
  border: 0;
  margin: 0 0 26px;
  padding: 0;
  display: grid;
  gap: 10px;
}
.regime-option { position: relative; display: block; cursor: pointer; }
.regime-option input { position: absolute; opacity: 0; pointer-events: none; }
.regime-card {
  height: 100%;
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 11px;
  border: 1.5px solid var(--border);
  border-radius: 11px;
  background: var(--light);
  padding: 14px;
  transition: border-color 160ms ease, background 160ms ease, transform 160ms ease, box-shadow 160ms ease;
}
.regime-option:hover .regime-card { border-color: #c8ccd6; transform: translateY(-1px); }
.regime-dot {
  width: 22px;
  height: 22px;
  margin-top: 2px;
  display: grid;
  place-items: center;
  border: 1.5px solid #aeb4c1;
  border-radius: 50%;
  background: var(--white);
}
.regime-dot::after { content: ""; width: 10px; height: 10px; border-radius: 50%; background: transparent; }
.regime-option input:checked + .regime-card {
  border-color: var(--orange);
  background: var(--orange-soft);
  box-shadow: 0 7px 20px rgba(232, 130, 12, .09);
}
.regime-option input:checked + .regime-card .regime-dot { border-color: var(--orange); }
.regime-option input:checked + .regime-card .regime-dot::after { background: var(--orange-gradient); }
.regime-option input:focus-visible + .regime-card {
  outline: 3px solid rgba(232, 130, 12, .27);
  outline-offset: 2px;
}
.regime-name {
  display: block;
  margin-bottom: 2px;
  color: var(--navy);
  font-weight: 850;
  line-height: 1.35;
}
.regime-desc { display: block; color: var(--muted); font-size: 12px; line-height: 1.45; }
.field-grid { display: grid; gap: 16px; }
.field-group { display: grid; gap: 7px; }
.field-group label, .field-label { color: var(--navy); font-size: 14px; font-weight: 850; }
.field-hint { color: var(--muted); font-size: 12px; line-height: 1.45; }
.input-wrap { position: relative; }
.input-wrap input, .field-group select {
  width: 100%;
  min-height: 52px;
  border: 1.5px solid var(--border-strong);
  border-radius: 10px;
  background: var(--white);
  color: var(--navy);
  padding: 12px 14px;
  font-size: 16px;
  font-weight: 650;
  transition: border-color 160ms ease, box-shadow 160ms ease;
}
.input-wrap input { padding-right: 50px; }
.input-suffix {
  position: absolute;
  top: 50%;
  right: 14px;
  transform: translateY(-50%);
  color: var(--muted);
  font-weight: 850;
}
.input-wrap input:focus, .field-group select:focus {
  border-color: var(--orange);
  outline: 0;
  box-shadow: 0 0 0 4px rgba(232, 130, 12, .13);
}
.check-row {
  min-height: 48px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  border-radius: 10px;
  cursor: pointer;
}
.check-row input { width: 20px; height: 20px; margin: 3px 0 0; accent-color: var(--orange); }
.form-alert {
  margin-top: 18px;
  border-left: 3px solid var(--orange);
  border-radius: 0 10px 10px 0;
  background: #fff7e8;
  color: var(--text);
  padding: 14px 16px;
  font-size: 13px;
}
.form-alert strong { color: var(--navy); }
.calculate-button {
  width: 100%;
  min-height: 54px;
  margin-top: 22px;
  border: 0;
  border-radius: 10px;
  background: var(--orange-gradient);
  box-shadow: 0 7px 22px rgba(232, 130, 12, .34);
  color: var(--white);
  padding: 13px 20px;
  cursor: pointer;
  font-weight: 850;
  transition: transform 160ms ease, box-shadow 160ms ease;
}
.calculate-button:hover, .calculate-button:focus-visible {
  transform: translateY(-1px);
  box-shadow: 0 10px 28px rgba(232, 130, 12, .44);
}
.calculate-button:active { transform: translateY(1px); }

.result-panel {
  position: relative;
  overflow: hidden;
  background: var(--navy);
  color: var(--white);
}
.result-panel::before {
  content: "";
  position: absolute;
  width: 300px;
  height: 300px;
  top: -170px;
  right: -160px;
  border: 1px solid rgba(232, 130, 12, .26);
  border-radius: 50%;
  box-shadow: 0 0 0 48px rgba(232, 130, 12, .035), 0 0 0 96px rgba(232, 130, 12, .02);
  pointer-events: none;
}
.result-sticky { position: relative; z-index: 1; }
.result-panel .step-label { color: var(--orange-2); }
.result-kicker { margin-bottom: 4px; color: rgba(255, 255, 255, .58); font-size: 13px; }
.result-total {
  min-height: 58px;
  margin-bottom: 22px;
  color: var(--white);
  font-size: clamp(2.5rem, 10vw, 4.7rem);
  font-weight: 900;
  letter-spacing: -.06em;
  line-height: 1;
}
.result-period { color: rgba(255, 255, 255, .55); font-size: 13px; font-weight: 700; letter-spacing: 0; }
.result-breakdown { margin: 0; border-top: 1px solid rgba(255, 255, 255, .16); }
.result-row {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  border-bottom: 1px solid rgba(255, 255, 255, .11);
  padding: 12px 0;
  font-size: 14px;
}
.result-row dt { color: rgba(255, 255, 255, .61); }
.result-row dd { margin: 0; color: var(--white); text-align: right; font-weight: 800; }
.result-message, .error-message { margin-top: 18px; border-radius: 9px; padding: 13px 14px; font-size: 13px; }
.result-message {
  border: 1px solid rgba(255, 255, 255, .08);
  background: rgba(255, 255, 255, .07);
  color: rgba(255, 255, 255, .73);
}
.error-message { display: none; background: var(--danger-soft); color: var(--danger); }
.privacy-line { display: flex; gap: 8px; margin-top: 18px; color: rgba(255, 255, 255, .5); font-size: 12px; }
.privacy-line span { color: #38c979; }

.content-section {
  position: relative;
  padding: 68px max(20px, calc((100vw - var(--content)) / 2));
  background: var(--white);
}
.content-section:nth-of-type(even) { background: var(--light); }
.content-section::before {
  content: "";
  position: absolute;
  top: 0;
  left: max(20px, calc((100vw - var(--content)) / 2));
  right: max(20px, calc((100vw - var(--content)) / 2));
  border-top: 1px solid var(--border);
}
.section-grid { display: grid; gap: 30px; }
.section-intro h2 {
  max-width: 720px;
  margin-bottom: 14px;
  color: var(--navy);
  font-size: clamp(2rem, 7vw, 3.7rem);
  font-weight: 900;
  letter-spacing: -.052em;
  line-height: 1.02;
}
.section-intro p { max-width: 690px; color: var(--muted); }
.section-intro a {
  color: var(--orange-deep);
  font-weight: 750;
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}
.section-intro a:hover { color: var(--orange); }
.fact-list { display: grid; gap: 12px; }
.fact-item {
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 14px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
  padding: 18px;
}
.fact-number {
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  border-radius: 9px;
  background: var(--orange-soft);
  color: var(--orange-dark);
  font-size: 12px;
  font-weight: 900;
}
.fact-item h3 { margin-bottom: 4px; color: var(--navy); font-size: 17px; font-weight: 850; }
.fact-item p { margin-bottom: 0; color: var(--muted); font-size: 14px; line-height: 1.6; }
.warning-box {
  border: 1px solid rgba(232, 130, 12, .34);
  border-radius: var(--radius);
  background: var(--light-warm);
  padding: 20px;
}
.warning-box strong { display: block; margin-bottom: 6px; color: var(--navy); }
.warning-box p { margin-bottom: 0; color: var(--muted); font-size: 14px; }
.source-list { display: grid; gap: 10px; margin: 0; padding: 0; list-style: none; }
.source-list a {
  min-height: 54px;
  display: flex;
  align-items: center;
  gap: 12px;
  border: 1px solid var(--border);
  border-radius: 11px;
  background: var(--white);
  color: var(--navy);
  padding: 13px 15px;
  font-size: 14px;
  font-weight: 750;
  text-decoration: none;
  transition: border-color 160ms ease, transform 160ms ease, box-shadow 160ms ease;
}
.source-list a::before { content: "↗"; color: var(--orange-dark); font-weight: 900; }
.source-list a:hover, .source-list a:focus-visible {
  border-color: var(--orange);
  transform: translateY(-1px);
  box-shadow: var(--shadow-sm);
}
.faq-list {
  overflow: hidden;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
}
.faq-item + .faq-item { border-top: 1px solid var(--border); }
.faq-item summary {
  min-height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  list-style: none;
  color: var(--navy);
  padding: 15px 18px;
  cursor: pointer;
  font-weight: 800;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  width: 30px;
  height: 30px;
  flex-shrink: 0;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: var(--orange-soft);
  color: var(--orange-dark);
  content: "+";
  font-size: 21px;
  font-weight: 500;
}
.faq-item[open] summary::after { background: var(--orange-gradient); color: var(--white); content: "−"; }
.faq-answer { max-width: 820px; padding: 0 18px 20px; color: var(--muted); }
.faq-answer p:last-child { margin-bottom: 0; }

.cta-band {
  padding: 0 max(20px, calc((100vw - var(--content)) / 2)) 72px;
  background: var(--white);
}
.cta-inner {
  position: relative;
  overflow: hidden;
  display: grid;
  gap: 22px;
  border-radius: var(--radius-lg);
  background: var(--orange-gradient);
  box-shadow: 0 18px 50px rgba(232, 130, 12, .23);
  color: var(--navy);
  padding: 28px;
}
.cta-inner::after {
  content: "";
  position: absolute;
  width: 280px;
  height: 280px;
  right: -180px;
  bottom: -210px;
  border: 1px solid rgba(255, 255, 255, .45);
  border-radius: 50%;
  box-shadow: 0 0 0 40px rgba(255, 255, 255, .08), 0 0 0 80px rgba(255, 255, 255, .05);
}
.cta-inner > * { position: relative; z-index: 1; }
.cta-inner h2 {
  margin-bottom: 7px;
  font-size: clamp(1.8rem, 6vw, 3.1rem);
  font-weight: 900;
  letter-spacing: -.05em;
  line-height: 1;
}
.cta-inner p { max-width: 650px; margin-bottom: 0; color: rgba(10, 15, 30, .72); }
.cta-inner .eyebrow { margin-bottom: 12px; color: var(--navy); }
.cta-actions {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  gap: 12px;
}
.cta-button {
  min-height: 54px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  align-self: center;
  border-radius: 10px;
  background: var(--navy);
  box-shadow: 0 8px 24px rgba(10, 15, 30, .2);
  color: var(--white);
  padding: 13px 20px;
  font-weight: 850;
  text-align: center;
  text-decoration: none;
  transition: transform 160ms ease, box-shadow 160ms ease;
}
.cta-button:hover, .cta-button:focus-visible {
  transform: translateY(-1px);
  box-shadow: 0 12px 30px rgba(10, 15, 30, .28);
}
.cta-link {
  color: var(--navy);
  font-size: 14px;
  font-weight: 800;
  text-align: center;
  text-decoration: underline;
  text-decoration-color: rgba(10, 15, 30, .4);
  text-underline-offset: 4px;
}
.cta-link:hover, .cta-link:focus-visible { text-decoration-color: currentColor; }
.cta-footnote {
  max-width: 740px;
  margin: 18px auto 0;
  color: var(--muted);
  font-size: 14px;
  text-align: center;
}
.cta-footnote a { color: var(--orange-dark); font-weight: 800; text-underline-offset: 3px; }

.result-followup {
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, .14);
}
.result-followup p { margin: 0 0 8px; color: rgba(255, 255, 255, .72); font-size: 14px; line-height: 1.5; }
.result-followup a { color: var(--orange-2); font-size: 14px; font-weight: 850; text-decoration: none; }
.result-followup a:hover, .result-followup a:focus-visible { text-decoration: underline; text-underline-offset: 4px; }

.site-footer {
  border-top: 1px solid rgba(255, 255, 255, .07);
  background: var(--navy);
}
.footer-inner {
  width: min(100% - 32px, var(--content));
  margin: 0 auto;
  display: grid;
  justify-items: center;
  gap: 12px;
  padding: 26px 0;
  color: rgba(255, 255, 255, .52);
  font-size: 13px;
  text-align: center;
}
.footer-brand {
  height: 66px;
  overflow: hidden;
  display: inline-flex;
  align-items: center;
}
.footer-brand img { width: 92px; height: 92px; object-fit: contain; }
.footer-links { display: flex; flex-wrap: wrap; justify-content: center; gap: 16px; }
.footer-links a { color: rgba(255, 255, 255, .7); text-underline-offset: 3px; }
.footer-links a:hover, .footer-links a:focus-visible { color: var(--orange-2); }
[hidden] { display: none !important; }

@media (min-width: 700px) {
  .header-inner { width: min(100% - 48px, var(--content)); }
  .brand img { width: 54px; height: 54px; }
  .header-cta { padding-inline: 20px; font-size: 14px; }
  .hero {
    min-height: 430px;
    grid-template-columns: minmax(0, 1.45fr) minmax(270px, .55fr);
    gap: 54px;
    padding-top: 58px;
    padding-bottom: 120px;
  }
  .hero-note { padding: 24px; }
  .calculator-shell { width: min(100% - 48px, var(--content)); }
  .field-grid.two-columns { grid-template-columns: 1fr 1fr; }
  .regime-list { grid-template-columns: repeat(3, 1fr); }
  .calculator-form, .result-panel { padding: 32px; }
  .cta-inner { grid-template-columns: 1fr auto; align-items: center; padding: 38px; }
  .cta-actions { align-items: flex-start; }
  .footer-inner {
    min-height: 96px;
    grid-template-columns: auto 1fr auto;
    justify-items: start;
    align-items: center;
    text-align: left;
  }
  .footer-links { justify-self: end; }
}

@media (min-width: 940px) {
  .header-nav { display: flex; }
  .header-cta { margin-left: 8px; }
  .calculator-grid { grid-template-columns: minmax(0, 1.18fr) minmax(350px, .82fr); }
  .calculator-form, .result-panel { padding: 38px; }
  .result-sticky { position: sticky; top: 104px; }
  .section-grid { grid-template-columns: minmax(260px, .8fr) minmax(0, 1.2fr); gap: 76px; }
}

@media (max-width: 430px) {
  .header-inner { gap: 8px; }
  .header-cta { padding-inline: 12px; font-size: 12px; }
  .hero { min-height: 0; padding-top: 34px; padding-bottom: 96px; }
  .hero h1 { font-size: 2.25rem; line-height: 1.02; }
  .calculator-shell { margin-top: -66px; }
  .calculator-form, .result-panel { padding: 20px; }
  .regime-card { padding: 13px; }
  .result-total { font-size: 2.65rem; }
  .content-section { padding-top: 56px; padding-bottom: 56px; }
}

@media (max-width: 699px) {
  .hero-note { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
}