: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);--shadow-lg:0 16px 48px rgba(27,58,45,0.16);--radius:4px;--radius-lg:8px;}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box;}html{scroll-behavior:smooth;}
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;}.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;}}
.site-footer{background:var(--forest);padding:40px 40px 28px;color:rgba(255,255,255,0.55);}
.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);}
/* HERO */
.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;}}
/* CONTENT WRAP */
.wrap{max-width:860px;margin:0 auto;padding:52px 40px 80px;}
@media(max-width:700px){.wrap{padding:32px 20px 60px;}}
/* TYPOGRAPHY */
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;}
/* BOXES */
.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;}
.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;}
.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;}}
/* TABLES */
.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 td{padding:10px 14px;border-bottom:1px solid var(--border-light);color:var(--text-mid);vertical-align:top;}
.data-table tr:last-child td{border-bottom:none;}
.data-table .hl td{background:var(--gold-pale);font-weight:700;color:var(--forest);}
/* EXAMPLE BOX */
.example-box{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;margin:24px 0;box-shadow:var(--shadow-sm);}
.ex-header{font-size:.62rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:16px;padding-bottom:12px;border-bottom:1px solid var(--border);}
.ex-row{display:flex;justify-content:space-between;align-items:baseline;padding:9px 0;border-bottom:1px solid var(--border-light);font-size:.9rem;}
.ex-row:last-child{border-bottom:none;font-weight:700;}
.ex-row .lbl{color:var(--text-muted);}
.ex-row .val{font-weight:700;}.ex-row .val.pos{color:var(--success);}.ex-row .val.neg{color:var(--danger);}
/* STAT ROW */
.stat-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,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:2rem;color:var(--forest);display:block;line-height:1;}
.stat-val.gold{color:var(--gold);}
.stat-label{font-size:.75rem;color:var(--text-muted);margin-top:6px;line-height:1.5;}
/* STEPS */
.steps{list-style:none;counter-reset:steps;margin:20px 0;}
.steps li{counter-increment:steps;padding:14px 0 14px 56px;border-bottom:1px solid var(--border-light);font-size:.95rem;color:var(--text-mid);position:relative;line-height:1.75;}.steps li:last-child{border-bottom:none;}
.steps li::before{content:counter(steps);position:absolute;left:0;top:12px;width:34px;height:34px;background:var(--forest);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.8rem;}
.steps li strong{color:var(--forest);}
/* COMPARE */
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:24px 0;}
@media(max-width:520px){.compare-grid{grid-template-columns:1fr;}}
.cmp-box{border-radius:var(--radius-lg);padding:20px;}
.cmp-box.good{background:var(--success-bg);border:1px solid rgba(26,107,53,0.2);}
.cmp-box.bad{background:var(--danger-bg);border:1px solid rgba(176,48,48,0.15);}
.cmp-box.neutral{background:var(--cream-dark);border:1px solid var(--border);}
.cmp-title{font-weight:700;font-size:.85rem;margin-bottom:10px;}
.cmp-box.good .cmp-title{color:var(--success);}.cmp-box.bad .cmp-title{color:var(--danger);}.cmp-box.neutral .cmp-title{color:var(--forest);}
.cmp-row{display:flex;justify-content:space-between;font-size:.85rem;padding:6px 0;border-bottom:1px solid rgba(0,0,0,0.06);}
.cmp-row:last-child{border-bottom:none;}.cmp-row .cl{color:var(--text-muted);}
/* REFS */
.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;transition:color .2s;}.refs-box a:last-child{margin-bottom:0;}.refs-box a:hover{color:var(--gold);}.refs-box a::before{content:'↗';flex-shrink:0;}
/* SLIDER */
input[type=range]{width:100%;accent-color:var(--forest);cursor:pointer;}
/* RESULT PANEL */
.result-panel{background:var(--forest);border-radius:var(--radius-lg);padding:28px;text-align:center;margin:20px 0;}
.rp-big{font-family:'Playfair Display',serif;font-size:2.4rem;color:var(--gold);display:block;line-height:1;}
.rp-sub{font-size:.8rem;color:rgba(255,255,255,.6);margin-top:6px;}
.rp-rows{margin-top:18px;display:flex;flex-direction:column;gap:9px;}
.rp-row{display:flex;align-items:center;gap:10px;font-size:.78rem;}
.rp-row .rl{width:140px;color:rgba(255,255,255,.55);text-align:left;flex-shrink:0;}
.rp-row .rt{flex:1;height:8px;background:rgba(255,255,255,.1);border-radius:4px;overflow:hidden;}
.rp-row .rf{height:100%;border-radius:4px;transition:width .5s;}
.rp-row .rv{min-width:70px;text-align:right;color:rgba(255,255,255,.75);font-weight:700;}
/* SLIDER GRID */
.slider-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:16px;}
@media(max-width:520px){.slider-grid{grid-template-columns:1fr;}}
.slider-item label{font-size:.78rem;color:var(--text-muted);display:flex;justify-content:space-between;margin-bottom:5px;}
.slider-item label span:last-child{font-weight:700;color:var(--forest);}
/* QUIZ */
.quiz-wrap{background:var(--cream-dark);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;margin-top:32px;}
.quiz-title{font-family:'Playfair Display',serif;font-size:1rem;color:var(--forest);margin-bottom:4px;}
.quiz-sub{font-size:.8rem;color:var(--text-muted);margin-bottom:16px;}
.q-progress{font-size:.72rem;color:var(--text-muted);margin-bottom:8px;letter-spacing:.06em;text-transform:uppercase;}
.q-text{font-size:.95rem;font-weight:700;color:var(--forest);margin-bottom:12px;line-height:1.5;}
.q-opts{display:flex;flex-direction:column;gap:8px;}
.q-opt{padding:11px 16px;border:2px solid var(--border);border-radius:var(--radius);cursor:pointer;font-size:.875rem;text-align:left;background:var(--white);font-family:'Lato',sans-serif;transition:all .2s;}
.q-opt:hover:not(:disabled){border-color:var(--forest);}
.q-opt.correct{border-color:var(--success);background:var(--success-bg);color:var(--success);}
.q-opt.wrong{border-color:var(--danger);background:var(--danger-bg);color:var(--danger);}
.q-fb{margin-top:10px;padding:12px 16px;border-radius:var(--radius);font-size:.875rem;line-height:1.7;}
.q-fb.correct-fb{background:var(--success-bg);color:var(--success);border:1px solid rgba(26,107,53,0.2);}
.q-fb.wrong-fb{background:var(--danger-bg);color:var(--danger);border:1px solid rgba(176,48,48,0.2);}
.btn-forest{display:inline-block;background:var(--forest);color:#fff;padding:9px 18px;border-radius:var(--radius);font-size:.78rem;font-weight:700;cursor:pointer;border:none;font-family:'Lato',sans-serif;letter-spacing:.04em;transition:background .2s;}.btn-forest:hover{background:var(--forest-mid);}
select,input[type=number]{width:100%;padding:10px 14px;border:2px solid var(--border);border-radius:var(--radius);font-size:.95rem;font-family:'Lato',sans-serif;background:var(--cream);color:var(--text);transition:border-color .2s;}
select:focus,input[type=number]:focus{outline:none;border-color:var(--forest);}
.section-anchor{display:block;height:72px;margin-top:-72px;visibility:hidden;}
.toc{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px 28px;margin-bottom:36px;box-shadow:var(--shadow-sm);}
.toc-title{font-family:'Playfair Display',serif;font-size:.95rem;color:var(--forest);margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--border);}
.toc-grid{display:grid;grid-template-columns:1fr 1fr;gap:4px 24px;}
@media(max-width:520px){.toc-grid{grid-template-columns:1fr;}}
.toc-item{display:flex;align-items:center;gap:8px;padding:5px 0;font-size:.85rem;}
.toc-item a{color:var(--forest-light);transition:color .2s;}.toc-item a:hover{color:var(--gold);}
.toc-item::before{content:'↓';color:var(--gold);font-size:.75rem;flex-shrink:0;}
/* ACCOUNT VISUAL */
.account-table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.875rem;font-family:'Lato',sans-serif;}
.account-table th{background:var(--forest);color:#fff;padding:10px 16px;text-align:left;font-weight:700;font-size:.78rem;letter-spacing:.04em;}
.account-table th.right{text-align:right;}
.account-table td{padding:9px 16px;border-bottom:1px solid var(--border-light);color:var(--text-mid);}
.account-table td.right{text-align:right;font-weight:700;}
.account-table td.neg{color:var(--danger);text-align:right;font-weight:700;}
.account-table td.pos{color:var(--success);text-align:right;font-weight:700;}
.account-table .subtotal td{background:var(--cream-dark);font-weight:700;color:var(--forest);}
.account-table .subtotal td.right{text-align:right;}
.account-table .total-row td{background:var(--forest);color:#fff;font-weight:700;font-size:.95rem;}
.account-table .total-row td.right{text-align:right;color:var(--gold);}
.account-table .section-header td{background:var(--gold-pale);color:var(--forest);font-weight:700;font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;padding:8px 16px;}
.account-table tr:last-child td{border-bottom:none;}
/* CONCEPT CARD */
.concept-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:20px 0;}
@media(max-width:520px){.concept-row{grid-template-columns:1fr;}}
.concept-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:20px;box-shadow:var(--shadow-sm);}
.cc-icon{font-size:1.4rem;margin-bottom:8px;}
.cc-title{font-weight:700;font-size:.9rem;color:var(--forest);margin-bottom:6px;}
.concept-card p{font-size:.85rem;color:var(--text-mid);line-height:1.7;margin:0;}
/* EXPENSE TABLE */
.exp-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px;margin:20px 0;}
.exp-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:16px;box-shadow:var(--shadow-sm);}
.exp-card.allowed{border-left:4px solid var(--success);}
.exp-card.partial{border-left:4px solid var(--gold);}
.exp-card.disallowed{border-left:4px solid var(--danger);}
.exp-badge{font-size:.6rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:6px;}
.allowed .exp-badge{color:var(--success);}.partial .exp-badge{color:var(--gold);}.disallowed .exp-badge{color:var(--danger);}
.exp-title{font-weight:700;font-size:.85rem;color:var(--forest);margin-bottom:4px;}
.exp-card p{font-size:.78rem;color:var(--text-muted);line-height:1.6;margin:0;}