:root {
  --forest:#1b3a2d;
  --forest-mid:#254d3c;
  --forest-light:#2e6049;
  --cream:#faf8f4;
  --cream-dark:#f0ebe1;
  --gold:#c9973a;
  --gold-light:#f5e9cf;
  --gold-pale:#fdf6e8;
  --text:#1c1c1c;
  --text-mid:#4a4a4a;
  --text-muted:#7a7a7a;
  --white:#fff;
  --border:#ddd8ce;
  --border-light:#ece8e0;
  --danger:#b03030;
  --danger-bg:#fdf0f0;
  --success:#1a6b35;
  --success-bg:#f0faf4;
  --shadow-sm:0 2px 8px rgba(27,58,45,0.08);
  --shadow-md:0 6px 24px rgba(27,58,45,0.12);
  --radius:4px;
  --radius-lg:8px;
}

*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{font-family:'Lato',sans-serif;background:var(--cream);color:var(--text);line-height:1.75;font-size:16px}
a{text-decoration:none;color:inherit}

.site-nav{background:var(--forest);padding:0 40px;display:flex;align-items:center;justify-content:space-between;height:64px;position:sticky;top:0;z-index:200;box-shadow:0 2px 12px rgba(0,0,0,0.2)}
.nav-brand{font-family:'Playfair Display',serif;font-size:1.2rem;color:#fff}
.nav-brand span{color:var(--gold)}
.nav-links{display:flex;gap:32px;align-items:center}
.nav-links a{font-size:.82rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,0.75);transition:color .2s;padding:4px 0;border-bottom:2px solid transparent}
.nav-links a:hover,.nav-links a.active{color:var(--gold);border-bottom-color:var(--gold)}
@media(max-width:700px){.site-nav{padding:0 20px;height:auto;flex-wrap:wrap;gap:8px;padding-top:12px;padding-bottom:12px}.nav-links{gap:14px}.nav-links a{font-size:.72rem}}

.page-hero{background:var(--forest);padding:68px 40px 56px;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 70% at 80% 40%,rgba(201,151,58,0.1) 0%,transparent 70%);pointer-events:none}
.page-hero-inner{max-width:860px;margin:0 auto}
.page-eyebrow{font-size:.65rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.page-hero h1{font-family:'Playfair Display',serif;font-size:clamp(2rem,4vw,3rem);font-weight:700;color:#fff;line-height:1.15;letter-spacing:-.01em;margin-bottom:14px}
.page-hero h1 em{font-style:italic;color:var(--gold)}
.page-hero-sub{font-size:1rem;font-weight:300;color:rgba(255,255,255,0.68);max-width:600px;line-height:1.85}
@media(max-width:700px){.page-hero{padding:40px 20px 36px}}

.disc-band{background:var(--gold-pale);border-top:1px solid var(--gold-light);border-bottom:1px solid var(--gold-light);padding:14px 40px;font-size:.82rem;color:var(--text-mid);line-height:1.6}
.disc-band strong{color:var(--forest)}
@media(max-width:700px){.disc-band{padding:14px 20px}}

.wrap{max-width:860px;margin:0 auto;padding:52px 40px 80px}
@media(max-width:700px){.wrap{padding:32px 20px 60px}}

h2{font-family:'Playfair Display',serif;font-size:1.55rem;font-weight:700;color:var(--forest);margin:48px 0 14px;letter-spacing:-.01em}
h3{font-family:'Playfair Display',serif;font-size:1.1rem;font-weight:600;color:var(--forest);margin:28px 0 10px}
p{color:var(--text-mid);font-size:.975rem;line-height:1.8;margin-bottom:14px}

.calc-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:32px;margin-bottom:24px;box-shadow:var(--shadow-sm)}
.calc-card h3{margin-top:0}
.input-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-bottom:20px}
@media(max-width:520px){.input-grid{grid-template-columns:1fr}}
.input-group label{font-size:.78rem;color:var(--text-mid);display:block;margin-bottom:6px;font-weight:700;letter-spacing:.02em}
.input-group label .hint{font-weight:400;color:var(--text-muted);margin-left:4px}
.slider-combo{display:grid;grid-template-columns:1fr 120px;gap:12px;align-items:center}
.slider-combo input[type=range]{width:100%;accent-color:var(--forest);cursor:pointer}
.slider-combo .sc-wrap{position:relative}
.slider-combo .sc-num{width:100%;padding:9px 12px;font-size:.95rem;font-weight:700;color:var(--forest);text-align:right;border:2px solid var(--border);border-radius:var(--radius);background:var(--cream);font-family:'Lato',sans-serif}
.slider-combo .sc-num:focus{outline:none;border-color:var(--forest)}
.slider-combo .sc-wrap::after{content:attr(data-unit);position:absolute;right:10px;top:50%;transform:translateY(-50%);color:var(--text-muted);font-size:.82rem;pointer-events:none}
.slider-combo .sc-wrap.sc-pre::after{left:10px;right:auto}
.slider-combo .sc-wrap.sc-pre .sc-num{padding-left:22px}
.slider-combo .sc-wrap:not(.sc-pre) .sc-num{padding-right:28px}
.range-scale{display:flex;justify-content:space-between;font-size:.72rem;color:var(--text-muted);margin-top:4px}
@media(max-width:520px){.slider-combo{grid-template-columns:1fr 96px}}
select{padding:9px 12px;font-size:.95rem;border:2px solid var(--border);border-radius:var(--radius);background:var(--cream);color:var(--forest);font-family:'Lato',sans-serif;font-weight:700;cursor:pointer}
select:focus{outline:none;border-color:var(--forest)}
.checkbox-group{display:grid;gap:8px;font-size:.92rem;color:var(--text-mid)}
.toggle-bar{display:flex;gap:0;background:var(--cream-dark);border:1px solid var(--border);border-radius:var(--radius);padding:3px;margin-bottom:18px}
.toggle-bar button{flex:1;padding:10px 14px;background:transparent;border:none;font-family:'Lato',sans-serif;font-size:.85rem;font-weight:700;color:var(--text-muted);cursor:pointer;border-radius:3px;transition:all .2s}
.toggle-bar button.active{background:var(--forest);color:#fff}

.result-panel{background:var(--forest);border-radius:var(--radius-lg);padding:32px 28px;text-align:center;margin:24px 0;position:relative;overflow:hidden}
.result-panel::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 70% 100% at 50% 0%,rgba(201,151,58,.12),transparent);pointer-events:none}
.rp-label{font-size:.68rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:10px;position:relative}
.rp-big{font-family:'Playfair Display',serif;font-size:clamp(2.4rem,6vw,3.4rem);color:#fff;display:block;line-height:1;position:relative}
.rp-sub{font-size:.88rem;color:rgba(255,255,255,.7);margin-top:8px;position:relative}
.rp-rows{margin-top:22px;display:flex;flex-direction:column;gap:10px;position:relative}
.rp-row{display:flex;align-items:center;gap:12px;font-size:.82rem}
.rp-row .rl{width:160px;color:rgba(255,255,255,.65);text-align:left;flex-shrink:0}
.rp-row .rt{flex:1;height:10px;background:rgba(255,255,255,.08);border-radius:5px;overflow:hidden}
.rp-row .rf{height:100%;border-radius:5px;transition:width .6s cubic-bezier(.4,0,.2,1)}
.rp-row .rv{min-width:90px;text-align:right;color:#fff;font-weight:700}
@media(max-width:520px){.rp-row .rl{width:100px;font-size:.75rem}.rp-row .rv{min-width:70px;font-size:.78rem}}

.share-btn{background:var(--gold);color:var(--forest);border:none;padding:10px 18px;font-size:.82rem;font-weight:700;border-radius:var(--radius);cursor:pointer;margin-top:12px;transition:background .2s}
.share-btn:hover{background:#e8a745}
.stat-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:14px;margin:24px 0}
.stat-box{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:20px;text-align:center;box-shadow:var(--shadow-sm)}
.stat-val{font-family:'Playfair Display',serif;font-size:1.9rem;color:var(--forest);display:block;line-height:1.1}
.stat-val.gold{color:var(--gold)}
.stat-val.success{color:var(--success)}
.stat-label{font-size:.74rem;color:var(--text-muted);margin-top:8px;line-height:1.5}

.key-rule{background:var(--forest);color:#fff;border-radius:var(--radius-lg);padding:28px 32px;margin:32px 0}
.kr-label{font-size:.62rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:rgba(255,220,150,.9);margin-bottom:10px}
.key-rule p{color:rgba(255,255,255,.85);margin-bottom:8px;font-size:.95rem}
.key-rule p:last-child{margin-bottom:0}
.key-rule strong{color:#fff}

.data-table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.875rem}
.data-table th{background:var(--forest);color:#fff;padding:10px 14px;text-align:left;font-weight:700;font-size:.78rem;letter-spacing:.04em}
.data-table th.num{text-align:right}
.data-table td{padding:10px 14px;border-bottom:1px solid var(--border-light);color:var(--text-mid)}
.data-table td.num{text-align:right;font-variant-numeric:tabular-nums}
.data-table tr:last-child td{border-bottom:none;background:var(--gold-pale);font-weight:700;color:var(--forest)}

.warn-box{background:#fff8ee;border-left:4px solid var(--gold);border-radius:0 var(--radius-lg) var(--radius-lg) 0;padding:18px 22px;margin:24px 0}
.warn-box .wb-title{font-weight:700;color:#7a4a00;font-size:.875rem;margin-bottom:6px}
.warn-box p{color:#6a3a00;font-size:.875rem;margin:0;line-height:1.75}
.tip-box{background:var(--success-bg);border-left:4px solid var(--success);border-radius:0 var(--radius-lg) var(--radius-lg) 0;padding:18px 22px;margin:24px 0}
.tip-box .tb-title{font-weight:700;color:var(--success);font-size:.875rem;margin-bottom:6px}
.tip-box p{color:#1a4a28;font-size:.875rem;margin:0;line-height:1.75}
.on-track{background:#f0faf4;border-left:4px solid #1a6b35;border-radius:0 var(--radius-lg) var(--radius-lg) 0;padding:18px 22px;margin:24px 0}
.on-track .title{font-weight:700;color:#1a6b35;font-size:.875rem;margin-bottom:6px}
.on-track p{color:#1a4a28;font-size:.875rem;margin:0;line-height:1.75}

.chart-wrap{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;margin:24px 0;box-shadow:var(--shadow-sm)}
.chart-title{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--text-muted);margin-bottom:14px}
.chart-svg{width:100%;height:auto;display:block}
.chart-legend{display:flex;gap:18px;justify-content:center;margin-top:12px;font-size:.78rem;color:var(--text-muted);flex-wrap:wrap}
.chart-legend .lg{display:inline-flex;align-items:center;gap:6px}
.chart-legend .lg::before{content:'';width:12px;height:12px;border-radius:2px}
.lg.contrib::before{background:var(--forest)}
.lg.interest::before{background:var(--gold)}
.lg.balance::before{background:var(--forest)}
.lg.cumrepay::before{background:var(--gold)}
.lg.principal::before{background:var(--success)}

.comparison-panel{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;margin:24px 0;box-shadow:var(--shadow-sm)}
.cp-title{font-family:'Playfair Display',serif;font-size:1.1rem;font-weight:600;color:var(--forest);margin-bottom:14px}
.cp-rows{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:620px){.cp-rows{grid-template-columns:1fr}}
.cp-col{border-left:3px solid var(--forest);padding-left:16px}
.cp-col.company{border-left-color:var(--gold)}
.cp-label{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-bottom:6px}
.cp-val{font-family:'Playfair Display',serif;font-size:1.6rem;color:var(--forest);display:block;margin-bottom:8px}
.cp-desc{font-size:.82rem;color:var(--text-muted);line-height:1.6}

.related-calcs{margin-top:60px;padding-top:40px;border-top:1px solid var(--border)}
.related-calcs h2{margin-top:0}
.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin-top:20px}
.related-card{display:flex;flex-direction:column;background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;text-decoration:none;color:var(--text);transition:all .2s;box-shadow:var(--shadow-sm)}
.related-card:hover{box-shadow:var(--shadow-md);border-color:var(--gold)}
.rc-cat{font-size:.65rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:8px}
.rc-title{font-family:'Playfair Display',serif;font-size:1.15rem;font-weight:600;color:var(--forest);margin-bottom:8px;line-height:1.3}
.rc-desc{font-size:.88rem;color:var(--text-muted);flex:1;margin-bottom:12px}
.rc-chevron{font-size:1.2rem;color:var(--gold);font-weight:300}

.refs-box{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px 28px;margin:40px 0;box-shadow:var(--shadow-sm)}
.refs-title{font-size:.62rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--text-muted);margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--border)}
.refs-box a{display:flex;align-items:flex-start;gap:10px;color:var(--forest-light);font-size:.875rem;margin-bottom:10px;line-height:1.5}
.refs-box a:last-child{margin-bottom:0}
.refs-box a:hover{color:var(--gold)}
.refs-box a::before{content:'↗';flex-shrink:0}

.site-footer{background:var(--forest);padding:40px 40px 28px;color:rgba(255,255,255,0.55)}
.footer-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:40px;margin-bottom:30px;max-width:1200px;margin-left:auto;margin-right:auto}
.footer-cols h4{font-family:'Playfair Display',serif;font-size:.95rem;color:#fff;margin-bottom:14px;font-weight:600}
.footer-cols a{font-size:.82rem;display:block;color:rgba(255,255,255,0.65);margin-bottom:8px;transition:color .2s}
.footer-cols a:hover{color:var(--gold)}
.fi{max-width:860px;margin:0 auto;text-align:center}
.fi .fb{font-family:'Playfair Display',serif;font-size:1.2rem;color:#fff;margin-bottom:8px}
.fi .fb span{color:var(--gold)}
.fi .fd{font-size:.8rem;line-height:1.7;margin-bottom:10px}
.fi .fc{font-size:.78rem}
.fi .fc a{color:var(--gold)}

.outcome-box{background:var(--white);border:1px solid var(--border);border-left:4px solid var(--forest);border-radius:var(--radius-lg);padding:24px 28px;margin:24px 0}
.outcome-box .ob-title{font-weight:700;color:var(--forest);font-size:.95rem;margin-bottom:8px}
.outcome-box p{margin:0;font-size:.9rem}
.tax-trap{background:#fdf0f0;border:1px solid var(--danger);border-radius:var(--radius-lg);padding:24px 28px;margin:24px 0}
.tax-trap .tt-title{font-weight:700;color:var(--danger);font-size:1rem;margin-bottom:10px}
.tax-trap p{color:#6a3a00;margin:0 0 8px;font-size:.9rem}
.tax-trap p:last-child{margin:0}
.panels-row{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:24px 0}
@media(max-width:720px){.panels-row{grid-template-columns:1fr}}
.panel-box{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-sm)}
.panel-box h3{margin-top:0}
.panel-stat{display:flex;justify-content:space-between;align-items:baseline;padding:10px 0;border-bottom:1px solid var(--border-light);font-size:.9rem}
.panel-stat:last-child{border-bottom:none}
.panel-stat .ps-label{color:var(--text-mid);flex:1}
.panel-stat .ps-value{font-weight:700;color:var(--forest);font-size:1.05rem}

.ltv-display{font-size:.85rem;color:var(--gold);font-weight:700;margin-top:6px}