: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:#ffffff;--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;}
body{font-family:'Lato',sans-serif;background:var(--cream);color:var(--text);line-height:1.6;font-size:16px;}
a{text-decoration:none;color:inherit;}

/* NAV */
.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;letter-spacing:.01em;}
.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;}}

/* HERO */
.hero{background:var(--forest);padding:56px 40px 44px;position:relative;overflow:hidden;}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 50% 70% at 90% 50%,rgba(201,151,58,0.09) 0%,transparent 70%);pointer-events:none;}
.hero-inner{max-width:1100px;margin:0 auto;}
.hero-eyebrow{font-size:.65rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:12px;}
.hero h1{font-family:'Playfair Display',serif;font-size:clamp(2rem,4vw,2.8rem);font-weight:700;color:#fff;line-height:1.15;margin-bottom:12px;}
.hero h1 em{font-style:italic;color:var(--gold);}
.hero-sub{font-size:.975rem;font-weight:300;color:rgba(255,255,255,0.7);max-width:560px;line-height:1.8;}

/* DISCLAIMER */
.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:.8rem;color:var(--text-mid);line-height:1.6;}
.disc-band strong{color:var(--forest);}

/* LAYOUT */
.calc-layout{max-width:1100px;margin:0 auto;padding:40px 40px 80px;display:grid;grid-template-columns:400px 1fr;gap:32px;align-items:start;}
@media(max-width:900px){.calc-layout{grid-template-columns:1fr;padding:28px 20px 60px;}}

/* INPUTS PANEL */
.inputs-panel{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:32px;box-shadow:var(--shadow-sm);position:sticky;top:80px;}
@media(max-width:900px){.inputs-panel{position:static;}}
.panel-title{font-family:'Playfair Display',serif;font-size:1.2rem;color:var(--forest);margin-bottom:24px;padding-bottom:14px;border-bottom:1px solid var(--border);}

/* FORM CONTROLS */
.field{margin-bottom:20px;}
.field label{display:block;font-size:.78rem;font-weight:700;color:var(--text-mid);margin-bottom:6px;letter-spacing:.02em;}
.field label .lbl-hint{font-weight:400;color:var(--text-muted);margin-left:4px;}
.field input[type=number],.field select{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;}
.field input[type=number]:focus,.field select:focus{outline:none;border-color:var(--forest);}
.field input[type=range]{width:100%;accent-color:var(--forest);margin-top:6px;}
.field .range-display{display:flex;justify-content:space-between;font-size:.78rem;color:var(--text-muted);margin-top:4px;}
.field .range-display span:last-child{font-weight:700;color:var(--forest);}
.slider-combo{display:grid;grid-template-columns:1fr 110px;gap:12px;align-items:center;margin-top:6px;}
.slider-combo input[type=range]{margin-top:0;}
.slider-combo .sc-num{padding:8px 10px;font-size:.92rem;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;width:100%;}
.slider-combo .sc-num:focus{outline:none;border-color:var(--forest);}
.slider-combo .sc-wrap{position:relative;}
.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;font-weight:400;}
.slider-combo .sc-wrap.sc-pre::after{content:attr(data-unit);left:10px;right:auto;}
.slider-combo .sc-wrap.sc-pre .sc-num{padding-left:22px;text-align:right;}
.slider-combo .sc-wrap:not(.sc-pre) .sc-num{padding-right:26px;}
@media(max-width:520px){.slider-combo{grid-template-columns:1fr 90px;}.slider-combo .sc-num{font-size:.85rem;}}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
.toggle-row{display:flex;align-items:center;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--border-light);}
.toggle-row label{font-size:.85rem;color:var(--text-mid);}
.toggle{position:relative;display:inline-block;width:44px;height:24px;flex-shrink:0;}
.toggle input{opacity:0;width:0;height:0;}
.toggle-slider{position:absolute;cursor:pointer;inset:0;background:var(--border);border-radius:12px;transition:.3s;}
.toggle-slider::before{content:'';position:absolute;height:18px;width:18px;left:3px;bottom:3px;background:#fff;border-radius:50%;transition:.3s;}
.toggle input:checked+.toggle-slider{background:var(--forest);}
.toggle input:checked+.toggle-slider::before{transform:translateX(20px);}
.section-divider{font-size:.65rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--text-muted);margin:24px 0 16px;padding-top:20px;border-top:1px solid var(--border);}
.calc-btn{width:100%;background:var(--gold);color:var(--forest);font-size:.9rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:14px;border:none;border-radius:var(--radius);cursor:pointer;font-family:'Lato',sans-serif;margin-top:8px;transition:background .2s,transform .2s;}
.calc-btn:hover{background:#daa840;transform:translateY(-1px);}
.preset-card{background:var(--gold-pale);border:1px solid var(--gold-light);border-radius:var(--radius);padding:16px 18px;margin-bottom:22px}
.preset-kicker{font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:4px}
.preset-card p{font-size:.86rem;color:var(--text-mid);margin-bottom:12px}
.preset-list{display:flex;flex-wrap:wrap;gap:8px}
.preset-pill{background:#fff;border:1px solid rgba(201,151,58,.4);color:var(--forest);padding:.55rem .8rem;border-radius:999px;font:inherit;font-size:.8rem;cursor:pointer;transition:all .15s}
.preset-pill:hover{background:var(--gold);border-color:var(--gold);color:var(--forest-deep)}

/* RESULTS PANEL */
.results-panel{display:flex;flex-direction:column;gap:20px;}

/* TAB BAR */
.tab-bar{display:flex;border-bottom:2px solid var(--border);margin-bottom:0;}
.tab-btn{padding:10px 20px;font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;border:none;background:transparent;cursor:pointer;color:var(--text-muted);border-bottom:3px solid transparent;margin-bottom:-2px;transition:color .2s,border-color .2s;font-family:'Lato',sans-serif;}
.tab-btn.active{color:var(--forest);border-bottom-color:var(--gold);}
.tab-content{display:none;}.tab-content.active{display:block;}

/* SUMMARY CARD */
.summary-card{background:var(--forest);border-radius:var(--radius-lg);padding:32px;color:#fff;position:relative;overflow:hidden;}
.summary-card::before{content:'';position:absolute;top:-40px;right:-40px;width:200px;height:200px;background:radial-gradient(circle,rgba(201,151,58,0.15) 0%,transparent 70%);}
.sc-label{font-size:.65rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,0.5);margin-bottom:6px;}
.sc-big{font-family:'Playfair Display',serif;font-size:2.6rem;color:var(--gold);line-height:1;}
.sc-sub{font-size:.82rem;color:rgba(255,255,255,0.55);margin-top:6px;}
.sc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:24px;}
@media(max-width:500px){.sc-grid{grid-template-columns:1fr 1fr;}}
.sc-item{background:rgba(255,255,255,0.06);border-radius:var(--radius);padding:14px;}
.sc-item-val{font-family:'Playfair Display',serif;font-size:1.4rem;color:#fff;display:block;}
.sc-item-val.red{color:#f08080;}
.sc-item-val.green{color:#80d4a0;}
.sc-item-val.gold{color:var(--gold);}
.sc-item-lbl{font-size:.72rem;color:rgba(255,255,255,0.5);margin-top:4px;}
.insight-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px 26px;box-shadow:var(--shadow-sm)}
.insight-kicker{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:8px}
.insight-card h3{font-family:'Playfair Display',serif;font-size:1.2rem;color:var(--forest);margin-bottom:8px}
.insight-card p{font-size:.9rem;color:var(--text-mid);margin-bottom:16px;line-height:1.7}
.insight-list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.insight-item{background:var(--cream-dark);border-radius:var(--radius);padding:12px 14px}
.insight-item span{display:block;font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;color:var(--text-muted);margin-bottom:4px}
.insight-item strong{font-family:'Playfair Display',serif;font-size:1.05rem;color:var(--forest)}
@media(max-width:640px){.insight-list{grid-template-columns:1fr}}

/* BREAKDOWN TABLE */
.breakdown-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-sm);}
.breakdown-title{font-family:'Playfair Display',serif;font-size:1.1rem;color:var(--forest);margin-bottom:18px;padding-bottom:12px;border-bottom:1px solid var(--border);}
.br-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid var(--border-light);font-size:.9rem;}
.br-row:last-child{border-bottom:none;padding-top:14px;font-weight:700;font-size:1rem;}
.br-row .br-lbl{color:var(--text-muted);}
.br-row .br-lbl.indent{padding-left:16px;font-size:.85rem;}
.br-row .br-val{font-weight:700;color:var(--text);}
.br-row .br-val.neg{color:var(--danger);}
.br-row .br-val.pos{color:var(--success);}
.br-row .br-val.total{color:var(--forest);font-family:'Playfair Display',serif;font-size:1.2rem;}
.br-section-head{background:var(--cream-dark);padding:8px 12px;font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--text-muted);margin:8px -28px;border-top:1px solid var(--border);border-bottom:1px solid var(--border);}

/* VISUAL BARS */
.bar-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-sm);}
.bar-title{font-family:'Playfair Display',serif;font-size:1.1rem;color:var(--forest);margin-bottom:20px;}
.bar-item{margin-bottom:16px;}
.bar-top{display:flex;justify-content:space-between;font-size:.82rem;margin-bottom:5px;}
.bar-top .bt-lbl{color:var(--text-mid);}
.bar-top .bt-val{font-weight:700;color:var(--forest);}
.bar-track{height:12px;background:var(--border);border-radius:6px;overflow:hidden;}
.bar-fill{height:100%;border-radius:6px;transition:width .6s ease;}

/* TRAP ALERT */
.trap-alert{background:var(--danger-bg);border:1px solid rgba(176,48,48,0.25);border-left:4px solid var(--danger);border-radius:0 var(--radius-lg) var(--radius-lg) 0;padding:18px 24px;}
.trap-title{font-weight:700;color:var(--danger);font-size:.875rem;margin-bottom:6px;}
.trap-alert p{font-size:.875rem;color:#7a2020;line-height:1.7;margin:0;}

/* SAVINGS ALERT */
.savings-alert{background:var(--success-bg);border:1px solid rgba(26,107,53,0.25);border-left:4px solid var(--success);border-radius:0 var(--radius-lg) var(--radius-lg) 0;padding:18px 24px;}
.savings-title{font-weight:700;color:var(--success);font-size:.875rem;margin-bottom:6px;}
.savings-alert p{font-size:.875rem;color:#1a4a28;line-height:1.7;margin:0;}

/* YEAR COMPARE */
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
@media(max-width:500px){.compare-grid{grid-template-columns:1fr;}}
.compare-box{border:1px solid var(--border);border-radius:var(--radius-lg);padding:20px;background:var(--white);}
.compare-box h3{font-family:'Playfair Display',serif;font-size:1rem;color:var(--forest);margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--border);}
.cmp-row{display:flex;justify-content:space-between;font-size:.85rem;padding:7px 0;border-bottom:1px solid var(--border-light);}
.cmp-row:last-child{border-bottom:none;font-weight:700;}
.cmp-row .cl{color:var(--text-muted);}
.drag-diff{background:var(--forest);border-radius:var(--radius-lg);padding:20px;color:#fff;text-align:center;margin-top:0;}
.dd-label{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,0.5);margin-bottom:6px;}
.dd-val{font-family:'Playfair Display',serif;font-size:1.8rem;color:var(--gold);}
.dd-sub{font-size:.8rem;color:rgba(255,255,255,0.55);margin-top:4px;}

/* FOOTER */
.site-footer{background:var(--forest);padding:40px 40px 28px;color:rgba(255,255,255,0.55);}
.fi{max-width:1100px;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);}