:root{--ink:#142b28;--muted:#5e6e6b;--green:#0d5b4e;--green-2:#157465;--mint:#e7f3ef;--gold:#b6893a;--gold-pale:#f6eddc;--line:#d9e4e0;--bg:#f7faf8;--white:#fff;--danger:#9b3d34;--danger-bg:#fff1ef;--shadow:0 20px 60px rgba(20,43,40,.10);--radius:20px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--bg);font:16px/1.6 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:var(--green);text-underline-offset:3px}
button,input,select{font:inherit}
button{cursor:pointer}
.skip{position:absolute;left:-9999px;top:8px;background:var(--ink);color:#fff;padding:10px 14px;z-index:100}
.skip:focus{left:8px}
.site-header{position:sticky;top:0;z-index:20;background:rgba(247,250,248,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{max-width:1180px;margin:auto;min-height:72px;padding:0 24px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;font-weight:780;color:var(--ink);letter-spacing:-.02em}
.brand-mark{width:38px;height:38px;border-radius:11px;background:var(--green);display:grid;place-items:center;color:#fff;box-shadow:inset 0 0 0 1px rgba(255,255,255,.15)}
.brand-mark svg{width:24px;height:24px}
.nav-links{display:flex;align-items:center;gap:24px}
.nav-links a{text-decoration:none;color:#38514d;font-weight:650;font-size:.93rem}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--green)}
.nav-cta{padding:9px 15px;border-radius:999px;background:var(--green);color:#fff!important}
.menu{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:8px 11px}
main{min-height:calc(100vh - 140px)}
.calculator-shell{max-width:1180px;margin:0 auto;padding:44px 24px 72px}
.intro{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:32px;align-items:end;margin-bottom:28px}
.eyebrow{margin:0 0 7px;color:var(--gold);font-size:.78rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
h1,h2,h3{line-height:1.16;letter-spacing:-.035em}
h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2.35rem,5vw,4.7rem);font-weight:500;margin:0;max-width:820px}
.intro-copy{color:var(--muted);max-width:680px;margin:14px 0 0;font-size:1.06rem}
.privacy-pill{display:flex;align-items:center;gap:9px;padding:10px 14px;border:1px solid var(--line);border-radius:999px;background:#fff;color:#49615d;font-size:.88rem;white-space:nowrap}
.privacy-pill svg{width:17px;color:var(--green)}
.wizard{display:grid;grid-template-columns:265px minmax(0,1fr);background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;min-height:610px}
.step-rail{background:var(--ink);color:#fff;padding:30px 24px;display:flex;flex-direction:column}
.step-rail-title{font-size:.76rem;text-transform:uppercase;letter-spacing:.14em;color:#afc7c1;font-weight:800;margin:0 0 21px}
.steps{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.step-button{width:100%;display:grid;grid-template-columns:34px 1fr;align-items:center;gap:11px;padding:10px;border:0;background:transparent;color:#bdd0cb;text-align:left;border-radius:12px}
.step-button span:first-child{width:30px;height:30px;border:1px solid #53726b;border-radius:50%;display:grid;place-items:center;font-size:.8rem;font-weight:800}
.step-button strong{font-size:.9rem;font-weight:650}
.step-button.active{background:rgba(255,255,255,.1);color:#fff}
.step-button.active span:first-child{background:var(--gold);border-color:var(--gold);color:#fff}
.step-button.done span:first-child{background:#2c8273;border-color:#2c8273;color:#fff}
.rail-note{margin-top:auto;border-top:1px solid rgba(255,255,255,.13);padding-top:20px;color:#adc2bd;font-size:.8rem;line-height:1.5}
.wizard-main{padding:34px clamp(24px,5vw,58px);display:flex;flex-direction:column}
.progress-mobile{display:none;margin-bottom:24px}
.progress-track{height:7px;border-radius:99px;background:#e6eeeb;overflow:hidden}
.progress-bar{height:100%;width:14.28%;background:var(--gold);transition:width .25s ease}
.step-panel{display:none;animation:fade .25s ease}
.step-panel.active{display:block}
@keyframes fade{from{opacity:.15;transform:translateY(4px)}to{opacity:1;transform:none}}
.step-kicker{font-size:.8rem;color:var(--green);font-weight:800;text-transform:uppercase;letter-spacing:.1em;margin:0 0 6px}
.step-panel h2{font-family:Georgia,"Times New Roman",serif;font-size:clamp(1.75rem,3vw,2.5rem);font-weight:500;margin:0 0 8px}
.step-lead{color:var(--muted);margin:0 0 27px;max-width:690px}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.form-grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}
.field{display:grid;gap:7px}
.field.full{grid-column:1/-1}
.field label,.field legend{font-weight:720;font-size:.93rem;color:#29423e}
.field small{color:var(--muted);font-size:.79rem;line-height:1.4}
.input-wrap{position:relative}
.input-wrap .prefix{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:#647772}
input[type="number"],select{width:100%;height:49px;border:1px solid #cddbd6;border-radius:11px;padding:0 14px;background:#fff;color:var(--ink);outline:none;transition:.18s}
.input-wrap input{padding-left:32px}
input:focus,select:focus{border-color:var(--green-2);box-shadow:0 0 0 3px rgba(21,116,101,.12)}
.choice-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}
.choice input{position:absolute;opacity:0;pointer-events:none}
.choice label{display:flex;gap:12px;align-items:center;border:1px solid #ccd9d5;border-radius:13px;padding:16px;min-height:68px;font-weight:700;cursor:pointer;transition:.18s}
.choice .choice-icon{width:34px;height:34px;border-radius:10px;background:var(--mint);display:grid;place-items:center;color:var(--green)}
.choice input:checked+label{border-color:var(--green);box-shadow:0 0 0 3px rgba(13,91,78,.09);background:#f9fcfb}
.choice input:focus-visible+label{outline:3px solid rgba(21,116,101,.25)}
.counter-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}
.counter{display:flex;align-items:center;justify-content:space-between;gap:12px;border:1px solid #d4e0dc;border-radius:13px;padding:13px 14px;background:#fff}
.counter-text strong{display:block;font-size:.93rem}
.counter-text small{color:var(--muted);font-size:.77rem}
.counter-control{display:flex;align-items:center;gap:9px}
.counter-control button{width:32px;height:32px;border-radius:9px;border:1px solid #cddbd6;background:#f7faf8;color:var(--green);font-size:1.1rem;font-weight:800}
.counter-control output{min-width:22px;text-align:center;font-weight:800}
.notice{border-radius:13px;padding:14px 16px;display:flex;gap:11px;align-items:flex-start;margin:20px 0 0;background:var(--gold-pale);border:1px solid #ead8b8;color:#684e22;font-size:.87rem}
.notice svg{flex:0 0 19px;margin-top:2px}
.toggle-row{display:flex;align-items:flex-start;gap:10px;border:1px solid var(--line);padding:14px;border-radius:12px;margin-top:12px}
.toggle-row input{margin-top:5px;accent-color:var(--green)}
.wizard-actions{display:flex;justify-content:space-between;gap:12px;margin-top:auto;padding-top:36px}
.btn{border:0;border-radius:11px;padding:12px 19px;font-weight:760;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;gap:8px}
.btn-primary{background:var(--green);color:#fff;box-shadow:0 9px 18px rgba(13,91,78,.18)}
.btn-primary:hover{background:#094c41}
.btn-secondary{background:#edf3f1;color:#29443f}
.btn-ghost{background:#fff;border:1px solid var(--line);color:var(--ink)}
.btn-gold{background:var(--gold);color:#fff}
.hidden{display:none!important}
.results-head{display:flex;justify-content:space-between;gap:20px;align-items:flex-start;margin-bottom:22px}
.results-head h2{margin-bottom:6px}
.result-total{background:var(--ink);color:#fff;padding:16px 19px;border-radius:14px;min-width:188px;text-align:right}
.result-total small{display:block;color:#b9cbc7;font-size:.75rem;text-transform:uppercase;letter-spacing:.09em}
.result-total strong{font-size:1.4rem}
.share-list{display:grid;gap:11px}
.share-card{display:grid;grid-template-columns:minmax(140px,1.4fr) .8fr .75fr 1fr;gap:12px;align-items:center;border:1px solid var(--line);border-radius:13px;padding:15px}
.share-person strong{display:block}
.share-person small{color:var(--muted)}
.share-value strong{display:block;font-size:1.04rem}
.share-value small{display:block;color:var(--muted);font-size:.74rem}
.share-reason{grid-column:1/-1;padding-top:10px;border-top:1px solid #edf2f0;color:#546a66;font-size:.84rem}
.warning-list{display:grid;gap:8px;margin:16px 0}
.warning{border:1px solid #e6c6c1;background:var(--danger-bg);color:#71332c;padding:12px 14px;border-radius:11px;font-size:.85rem}
.result-tabs{display:flex;gap:8px;margin:20px 0 12px;flex-wrap:wrap}
.result-tabs button{border:1px solid var(--line);background:#fff;color:#415852;border-radius:999px;padding:8px 13px;font-weight:700;font-size:.82rem}
.result-tabs button.active{background:var(--mint);border-color:#bad7ce;color:var(--green)}
.result-detail{border:1px solid var(--line);background:#fbfdfc;border-radius:13px;padding:16px;max-height:220px;overflow:auto}
.result-detail p,.result-detail li{font-size:.86rem;color:#4e645f}
.result-detail ul{margin:0;padding-left:20px}
.support-strip{max-width:1180px;margin:0 auto 72px;padding:0 24px;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.support-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;text-decoration:none;color:var(--ink);transition:.2s}
.support-card:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(20,43,40,.08)}
.support-card span{color:var(--gold);font-size:.77rem;font-weight:800;text-transform:uppercase;letter-spacing:.1em}
.support-card h3{margin:7px 0 6px;font-size:1.05rem}
.support-card p{margin:0;color:var(--muted);font-size:.86rem}
.content-page{max-width:980px;margin:0 auto;padding:58px 24px 84px}
.page-hero{border-bottom:1px solid var(--line);padding-bottom:34px;margin-bottom:34px}
.page-hero h1{font-size:clamp(2.4rem,5vw,4.2rem)}
.page-hero p{font-size:1.08rem;color:var(--muted);max-width:760px}
.content-grid{display:grid;grid-template-columns:220px minmax(0,1fr);gap:44px}
.toc{position:sticky;top:100px;align-self:start;border-left:2px solid var(--line);padding-left:16px;display:grid;gap:10px}
.toc a{text-decoration:none;color:#5b706b;font-size:.86rem;font-weight:650}
.article h2{font-family:Georgia,"Times New Roman",serif;font-size:2rem;font-weight:500;margin:44px 0 14px;scroll-margin-top:100px}
.article h2:first-child{margin-top:0}
.article h3{margin-top:27px;font-size:1.13rem}
.article p,.article li{color:#435b56}
.article table{width:100%;border-collapse:collapse;margin:18px 0 28px;font-size:.9rem}
.article th,.article td{text-align:left;vertical-align:top;padding:12px;border-bottom:1px solid var(--line)}
.article th{background:#edf5f2;color:#284841}
.citation-card{border-left:4px solid var(--gold);background:var(--gold-pale);padding:15px 18px;margin:18px 0;border-radius:0 12px 12px 0}
.test-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}
.test-card{border:1px solid var(--line);border-radius:14px;padding:16px;background:#fff}
.test-status{font-size:.72rem;font-weight:850;text-transform:uppercase;letter-spacing:.1em;color:var(--green)}
.test-card h3{margin:7px 0;font-size:1rem}
.test-card p{margin:0;font-size:.83rem}
.faq-list details{border-bottom:1px solid var(--line);padding:18px 0}
.faq-list summary{cursor:pointer;font-weight:750;color:#26423d;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq-list summary::after{content:"+";font-size:1.3rem;color:var(--green)}
.faq-list details[open] summary::after{content:"−"}
.faq-list details p{margin:12px 0 0;color:var(--muted)}
.site-footer{background:var(--ink);color:#d2dfdc;padding:34px 24px}
.footer-inner{max-width:1180px;margin:auto;display:flex;justify-content:space-between;gap:24px;align-items:center}
.footer-inner p{margin:0;font-size:.82rem;color:#abc0bb}
.footer-links{display:flex;gap:18px;flex-wrap:wrap}
.footer-links a{color:#dce7e4;text-decoration:none;font-size:.82rem}
.print-only{display:none}
@media(max-width:800px){.nav{min-height:64px}.menu{display:block}.nav-links{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:18px 24px;flex-direction:column;align-items:stretch}.nav-links.open{display:flex}.intro{grid-template-columns:1fr}.privacy-pill{justify-self:start}.calculator-shell{padding-top:30px}.wizard{grid-template-columns:1fr;min-height:650px}.step-rail{display:none}.wizard-main{padding:26px 20px}.progress-mobile{display:block}.form-grid,.form-grid.three,.counter-grid{grid-template-columns:1fr}.choice-grid{grid-template-columns:1fr}.share-card{grid-template-columns:1.2fr 1fr}.share-card .share-value:nth-child(4){grid-column:1/-1}.support-strip{grid-template-columns:1fr}.content-grid{grid-template-columns:1fr}.toc{position:static;grid-template-columns:repeat(2,minmax(0,1fr));border-left:0;border-bottom:1px solid var(--line);padding:0 0 20px}.test-grid{grid-template-columns:1fr}.footer-inner{align-items:flex-start;flex-direction:column}}
@media(max-width:480px){.brand span:last-child{font-size:.9rem}.calculator-shell{padding-left:14px;padding-right:14px}.wizard{border-radius:15px}.wizard-actions{flex-wrap:wrap}.wizard-actions .btn-primary{margin-left:auto}.results-head{display:block}.result-total{text-align:left;margin-top:14px}.share-card{grid-template-columns:1fr}.share-card .share-value:nth-child(4){grid-column:auto}.footer-links{gap:11px}}
@media print{.site-header,.step-rail,.progress-mobile,.wizard-actions,.support-strip,.site-footer,.intro,.result-tabs,.btn{display:none!important}body{background:#fff}.calculator-shell{padding:0}.wizard{display:block;border:0;box-shadow:none}.wizard-main{padding:0}.step-panel{display:none!important}#step-results{display:block!important}.result-detail{max-height:none}.print-only{display:block}.share-card{break-inside:avoid}.warning{border-color:#999;background:#fff;color:#222}}