:root {
  --ink: #23302c; --slate: #4f5f59; --deep: #2b3833; --sage: #6e9c80; --sage-l: #8fb9a0;
  --sel: #2e7048; --mist: #e8eeeb; --line: #d2dcd7; --muted: #5b6a64; --card: #ffffff;
  --warn: #8a6416; --warn-bg: #fcf2d9; --bad: #a2442c; --bad-bg: #fbe7e1; --good: #2e7048; --good-bg: #e3f2e8;
  --clay: #c9774f;
  --serif: "Lora", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --radius: 6px;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0; font-family: var(--sans); color: var(--ink); line-height: 1.55; font-size: 16px;
  background-color: var(--mist);
  background-image: linear-gradient(var(--line) 1px, transparent 1px), linear-gradient(90deg, var(--line) 1px, transparent 1px);
  background-size: 100% 32px, 128px 100%;
  background-attachment: fixed;
}
img { max-width: 100%; display: block; }
a { color: var(--sel); }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible { outline: 3px solid var(--sage-l); outline-offset: 2px; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -999px; } .skip:focus { left: 12px; top: 12px; background: #fff; padding: 8px 12px; z-index: 50; }

/* header */
.site-header { background: var(--deep); color: #eef4f1; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; }
.brand { display: flex; align-items: center; gap: 10px; color: #f3f7f5; text-decoration: none; font-family: var(--serif); font-weight: 600; font-size: 22px; }
.brand svg { width: 26px; height: 26px; flex: none; }
.site-nav { display: flex; align-items: center; gap: 4px; }
.site-nav a { color: #d6e3dc; text-decoration: none; font-size: 14.5px; padding: 8px 10px; border-radius: 4px; }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: #fff; background: rgba(255,255,255,.08); }
.site-nav a.nav-cta { background: #e3efe8; color: var(--deep); font-weight: 600; margin-left: 8px; }
.site-nav a.nav-cta:hover { background: #fff; }
.menu-btn { display: none; background: none; border: 1px solid rgba(255,255,255,.3); color: #fff; border-radius: 4px; padding: 7px 12px; font: inherit; font-size: 14px; }
@media (max-width: 900px) {
  .menu-btn { display: block; }
  .site-nav { display: none; position: absolute; left: 0; right: 0; top: 64px; background: var(--deep); flex-direction: column; align-items: stretch; padding: 8px 20px 16px; z-index: 20; }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 12px 8px; font-size: 16px; }
  .site-nav a.nav-cta { margin: 8px 0 0; text-align: center; }
  .site-header { position: relative; }
}

/* hero */
.hero { padding: 44px 0 24px; }
.kicker { color: var(--sel); font-weight: 600; font-size: 15px; margin: 0 0 8px; }
h1 { font-family: var(--serif); font-weight: 600; font-size: clamp(32px, 5vw, 50px); line-height: 1.08; letter-spacing: -0.01em; margin: 0 0 14px; color: var(--deep); }
.lede { font-size: 18.5px; color: var(--muted); max-width: 640px; margin: 0; }
h2 { font-family: var(--serif); font-weight: 600; font-size: 26px; line-height: 1.2; margin: 0 0 14px; color: var(--deep); }
h3 { font-size: 17px; margin: 0 0 8px; }

/* tool layout */
.tool { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; align-items: start; padding-bottom: 28px; }
.tool.wide { grid-template-columns: 1.15fr 1fr; }
@media (max-width: 900px) { .tool, .tool.wide { grid-template-columns: 1fr; } }
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: 0 1px 2px rgba(35,48,44,.05); }
.results { position: sticky; top: 16px; }
@media (max-width: 900px) { .results { position: static; } }

/* fields */
.field { margin-bottom: 18px; }
.field label, .fieldset-label { display: block; font-weight: 600; font-size: 15px; margin-bottom: 6px; }
.hint { font-size: 13.5px; color: var(--muted); margin: 6px 0 0; }
.input { position: relative; }
.input .pre, .input .post { position: absolute; top: 50%; transform: translateY(-50%); color: var(--muted); font-size: 15px; pointer-events: none; }
.input .pre { left: 13px; } .input .post { right: 13px; }
input[type=text], input[type=number], input[type=month], select {
  width: 100%; font: inherit; font-size: 16px; color: var(--ink); background: #f7faf8; border: 1.5px solid #c9d5cf; border-radius: 4px; padding: 11px 13px;
}
.input .pre + input { padding-left: 28px; }
input:focus, select:focus { border-color: var(--sel); background: #fff; outline: none; box-shadow: 0 0 0 3px rgba(46,112,72,.15); }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 520px) { .row2 { grid-template-columns: 1fr; } }
.row3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 10px; }
.row3 .field label { font-size: 13.5px; }
.seg { display: flex; flex-wrap: wrap; gap: 8px; }
.seg button { font: inherit; font-size: 15px; padding: 9px 14px; border: 1.5px solid #c9d5cf; background: #f7faf8; border-radius: 4px; cursor: pointer; color: var(--ink); }
.seg button[aria-pressed="true"] { border-color: var(--sel); background: var(--good-bg); color: var(--sel); font-weight: 600; }
.btn-ghost { font: inherit; font-size: 14.5px; background: none; border: 1.5px solid #c9d5cf; border-radius: 4px; padding: 9px 14px; cursor: pointer; color: var(--ink); }
.btn-ghost:hover { border-color: var(--slate); }
.optional { font-weight: 400; color: var(--muted); font-size: 13.5px; }

/* the selected-cell result */
.result-label { font-size: 15px; color: var(--muted); margin: 0 0 8px; }
.cell { display: inline-block; position: relative; background: #fff; border: 3px solid var(--sel); padding: 6px 18px 8px; font-family: var(--serif); font-weight: 700; color: var(--sel); font-size: clamp(34px, 5vw, 46px); line-height: 1.05; margin-bottom: 8px; }
.cell::after { content: ""; position: absolute; right: -8px; bottom: -8px; width: 12px; height: 12px; background: var(--sel); border: 2px solid #fff; }
.result-sub { color: var(--muted); margin: 6px 0 18px; }
.stats { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 16px 0; }
.stat { border: 1px solid var(--line); border-radius: 4px; padding: 12px 14px; background: #fbfcfb; }
.stat .k { font-size: 13.5px; color: var(--muted); }
.stat .v { font-size: 22px; font-weight: 700; color: var(--deep); }
.bar { height: 12px; background: #e1e8e4; border-radius: 6px; overflow: hidden; }
.bar > span { display: block; height: 100%; background: var(--sage); width: 0; transition: width .3s; }
@media (prefers-reduced-motion: reduce) { .bar > span { transition: none; } }
.bar-legend { display: flex; justify-content: space-between; font-size: 13.5px; color: var(--muted); margin-top: 6px; }
.note { font-size: 13px; color: var(--muted); margin: 14px 0 0; }
.msg { padding: 10px 12px; border-radius: 4px; font-size: 14.5px; margin: 10px 0; }
.msg.warn { background: var(--warn-bg); color: var(--warn); }
.msg.bad { background: var(--bad-bg); color: var(--bad); }
.msg.good { background: var(--good-bg); color: var(--good); }

/* tables */
table.cmp { width: 100%; border-collapse: collapse; font-size: 15px; }
table.cmp th, table.cmp td { text-align: left; padding: 9px 8px; border-bottom: 1px solid var(--line); }
table.cmp th { font-size: 13.5px; color: var(--muted); font-weight: 600; }
table.cmp td.n, table.cmp th.n { text-align: right; font-variant-numeric: tabular-nums; }
table.cmp tr.best td { background: var(--good-bg); }
table.cmp tr.best td:first-child { font-weight: 700; color: var(--sel); }

/* debt rows */
.debt-row { display: grid; grid-template-columns: 1.4fr 1fr .7fr .9fr 36px; gap: 8px; align-items: end; margin-bottom: 10px; }
.debt-row label { font-size: 12.5px; font-weight: 600; color: var(--muted); display: block; margin-bottom: 4px; }
.debt-row input { padding: 9px 10px; font-size: 15px; }
.debt-row .rm { background: none; border: 1px solid #c9d5cf; border-radius: 4px; height: 41px; cursor: pointer; color: var(--muted); font-size: 18px; }
@media (max-width: 560px) {
  .debt-row { grid-template-columns: 1fr 1fr; padding: 12px; border: 1px solid var(--line); border-radius: 4px; }
  .debt-row .nm { grid-column: 1 / -1; }
  .debt-row .rm { height: 41px; width: 44px; }
}
.chart { width: 100%; height: auto; margin-top: 8px; }
.legend { display: flex; gap: 16px; flex-wrap: wrap; font-size: 13.5px; color: var(--muted); }
.legend i { display: inline-block; width: 18px; height: 3px; vertical-align: middle; margin-right: 6px; }

/* split bars */
.split { display: flex; flex-direction: column; gap: 14px; margin: 8px 0 4px; }
.split-row .top { display: flex; justify-content: space-between; align-items: baseline; gap: 8px; }
.split-row .name { font-weight: 600; }
.split-row .amt { font-weight: 700; font-size: 20px; color: var(--deep); font-variant-numeric: tabular-nums; }
.split-row .sub { font-size: 13.5px; color: var(--muted); }

/* upsell */
.upsell { display: grid; grid-template-columns: 1.1fr 1fr; gap: 28px; align-items: center; background: var(--deep); color: #eaf1ed; border-radius: var(--radius); padding: 30px; margin: 8px 0 28px; }
@media (max-width: 900px) { .upsell { grid-template-columns: 1fr; padding: 22px; } }
.upsell h2 { color: #fff; font-size: 28px; }
.upsell p { color: #c9d8d0; margin: 0 0 14px; }
.upsell ul { list-style: none; padding: 0; margin: 0 0 18px; }
.upsell li { position: relative; padding-left: 20px; margin: 6px 0; color: #e3ece7; }
.upsell li::before { content: ""; position: absolute; left: 0; top: .5em; width: 9px; height: 9px; background: var(--sage-l); }
.btn { display: inline-block; text-decoration: none; font-weight: 700; font-size: 16.5px; border-radius: 4px; padding: 14px 20px; }
.btn-main { background: #e3f2e8; color: var(--deep); }
.btn-main:hover { background: #fff; }
.alt { display: block; margin-top: 12px; color: #c9d8d0; font-size: 14.5px; }
.alt a { color: #fff; }
.pills { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 14px; }
.pill { font-size: 13px; border: 1px solid #56665f; color: #d6e3dc; padding: 4px 9px; border-radius: 3px; }
.shot { background: #fff; border-radius: 4px; overflow: hidden; box-shadow: 0 18px 40px -16px rgba(0,0,0,.5); }
.shot img { width: 100%; }
.shot .tabs { display: flex; background: #f1f3f2; border-top: 1px solid #d6dcd9; font-size: 11.5px; color: #53615b; overflow: hidden; white-space: nowrap; }
.shot .tabs span { padding: 6px 12px; border-right: 1px solid #dde2df; }
.shot .tabs span.on { background: #fff; color: var(--sel); font-weight: 600; box-shadow: inset 0 -2px 0 var(--sel); }

/* free band + more tools */
.band { display: flex; flex-wrap: wrap; gap: 16px 24px; align-items: center; justify-content: space-between; background: #fff; border: 1px dashed var(--sage); border-radius: var(--radius); padding: 20px 24px; margin-bottom: 28px; }
.band p { margin: 0; }
.band strong { font-family: var(--serif); font-size: 19px; color: var(--deep); }
.btn-out { border: 1.5px solid var(--sel); color: var(--sel); background: #fff; }
.btn-out:hover { background: var(--good-bg); }
.tools { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 16px; margin-bottom: 32px; }
.tool-card { display: flex; flex-direction: column; gap: 6px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; text-decoration: none; color: var(--ink); transition: border-color .15s; }
.tool-card:hover { border-color: var(--sel); }
.tool-card .t { font-family: var(--serif); font-weight: 600; font-size: 20px; color: var(--deep); }
.tool-card .d { color: var(--muted); font-size: 15px; }
.tool-card .go { margin-top: auto; padding-top: 6px; color: var(--sel); font-weight: 600; font-size: 15px; }
.tool-card svg { width: 34px; height: 34px; margin-bottom: 4px; }
.section-title { margin: 8px 0 14px; }
.pinit { display: inline-flex; align-items: center; gap: 8px; font-size: 14.5px; font-weight: 600; color: #b5192b; text-decoration: none; border: 1.5px solid #e6c3c7; background: #fff; border-radius: 4px; padding: 8px 12px; margin-top: 16px; }
.pinit:hover { border-color: #b5192b; }
.pinit svg { width: 16px; height: 16px; }

/* faq */
.faq { margin-bottom: 32px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 4px; padding: 14px 18px; margin-bottom: 10px; }
.faq summary { font-weight: 600; cursor: pointer; }
.faq p { margin: 10px 0 0; color: var(--muted); }

/* footer */
.site-footer { background: var(--deep); color: #c9d8d0; padding: 32px 0 40px; font-size: 14.5px; }
.site-footer .cols { display: flex; flex-wrap: wrap; gap: 24px 48px; justify-content: space-between; }
.site-footer a { color: #e3ece7; text-decoration: none; }
.site-footer a:hover { text-decoration: underline; }
.site-footer ul { list-style: none; padding: 0; margin: 8px 0 0; }
.site-footer li { margin: 4px 0; }
.site-footer .small { font-size: 13px; color: #9fb3aa; margin-top: 18px; max-width: 760px; }

/* mobile result bar */
#mbar { display: none; }
@media (max-width: 900px) {
  #mbar { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 30; background: #fff; border-top: 3px solid var(--sel); padding: 10px 18px; justify-content: space-between; align-items: center; box-shadow: 0 -6px 18px rgba(0,0,0,.08); text-decoration: none; color: var(--ink); }
  #mbar .mbar-label { font-size: 13.5px; color: var(--muted); }
  #mbar .mbar-value { font-family: var(--serif); font-weight: 700; font-size: 22px; color: var(--sel); }
}
@media (max-width: 900px) { body.has-bar .site-footer { padding-bottom: 90px; } }