/* Layout: header, hero headline, then a two-column calculator (inputs left, statement right), then reading sections. */
:root {
  --paper: #F3F6F2;
  --surface: #FFFFFF;
  --ink: #15231E;
  --muted: #55655E;
  --rule: #D2DCD4;
  --field: #FAFCF9;
  --spruce: #1E5A4C;
  --spruce-hover: #174739;
  --on-spruce: #FFFFFF;
  --brass: #8A6620;
  --brass-soft: #F2E8D0;
  --good: #1D6E46;
  --good-soft: #E1F0E6;
  --warn: #8F5300;
  --warn-soft: #F8EBD3;
  --bad: #A8241C;
  --bad-soft: #F9E1DE;
  --info: #3D5560;
  --info-soft: #E5ECEE;

  --display: "Newsreader", "Iowan Old Style", Georgia, serif;
  --sans: "Public Sans", "Segoe UI", system-ui, -apple-system, sans-serif;

  --radius: 6px;
  --gutter: clamp(16px, 4vw, 40px);
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --paper: #0F1714; --surface: #16211D; --ink: #E4ECE7; --muted: #9DAEA6; --rule: #2B3A34; --field: #121C18;
    --spruce: #6DBFA6; --spruce-hover: #8ED0BB; --on-spruce: #0B1512;
    --brass: #D8B467; --brass-soft: #3A3020;
    --good: #7FCB9F; --good-soft: #1B3326; --warn: #E7B266; --warn-soft: #3A2C17; --bad: #F08F86; --bad-soft: #3D1F1C;
    --info: #A9C0C9; --info-soft: #1E2B30;
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --paper: #0F1714; --surface: #16211D; --ink: #E4ECE7; --muted: #9DAEA6; --rule: #2B3A34; --field: #121C18;
  --spruce: #6DBFA6; --spruce-hover: #8ED0BB; --on-spruce: #0B1512;
  --brass: #D8B467; --brass-soft: #3A3020;
  --good: #7FCB9F; --good-soft: #1B3326; --warn: #E7B266; --warn-soft: #3A2C17; --bad: #F08F86; --bad-soft: #3D1F1C;
  --info: #A9C0C9; --info-soft: #1E2B30;
  color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font: 400 16px/1.55 var(--sans);
  font-variant-numeric: tabular-nums;
}
a { color: var(--spruce); text-underline-offset: 3px; }
a:hover { color: var(--spruce-hover); }
:focus-visible { outline: 2px solid var(--spruce); outline-offset: 2px; }
h1, h2, h3 { margin: 0; text-wrap: balance; }
p { margin: 0; }

.wrap { max-width: 1180px; margin-inline: auto; padding-inline: var(--gutter); }
.skip { position: absolute; left: -999px; top: 8px; background: var(--surface); padding: 8px 12px; border-radius: var(--radius); z-index: 10; }
.skip:focus { left: 8px; }

/* Header */
.site { display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; padding-block: 18px; }
.mark { font: 600 1.45rem/1 var(--display); color: var(--ink); text-decoration: none; letter-spacing: -0.01em; }
.mark span { color: var(--spruce); }
.site nav { display: flex; gap: 20px; align-items: center; flex-wrap: wrap; font-size: 0.95rem; }
.site nav a { color: var(--muted); text-decoration: none; }
.site nav a:hover { color: var(--ink); }
.site nav .nav-cta { color: var(--spruce); font-weight: 600; }
@media (max-width: 640px) { .site nav a:not(.nav-cta) { display: none; } }

/* Hero */
.hero { padding-block: clamp(24px, 5vw, 56px) clamp(20px, 3vw, 32px); display: grid; gap: 16px; }
.hero h1 { font: 500 clamp(2.15rem, 5vw, 3.75rem)/1.04 var(--display); letter-spacing: -0.02em; max-width: 17ch; }
.intro { font-size: clamp(1.05rem, 1.6vw, 1.2rem); color: var(--muted); max-width: 60ch; }

/* Calculator */
.calc { display: grid; grid-template-columns: minmax(0, 370px) minmax(0, 1fr); gap: clamp(20px, 3vw, 36px); align-items: start; padding-block-end: 24px; }
@media (max-width: 920px) { .calc { grid-template-columns: minmax(0, 1fr); } }

.panel { background: var(--surface); border: 1px solid var(--rule); border-radius: var(--radius); padding: clamp(18px, 2.5vw, 24px); }
#inputs { display: grid; gap: 22px; }
fieldset { border: 0; margin: 0; padding: 0; display: grid; gap: 12px; min-width: 0; }
legend { font-weight: 600; font-size: 0.95rem; padding: 0; margin-bottom: 10px; }
.field { display: grid; gap: 5px; min-width: 0; }
.field label { font-size: 0.875rem; color: var(--muted); }
.two { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
@media (max-width: 380px) { .two { grid-template-columns: minmax(0, 1fr); } }
.hint { font-size: 0.8rem; color: var(--muted); }

input, select {
  width: 100%;
  font: 500 1rem/1.3 var(--sans);
  font-variant-numeric: tabular-nums;
  color: var(--ink);
  background: var(--field);
  border: 1px solid var(--rule);
  border-radius: 4px;
  padding: 10px 12px;
  min-height: 44px;
}
input:focus, select:focus { border-color: var(--spruce); outline: 2px solid color-mix(in srgb, var(--spruce) 35%, transparent); outline-offset: 0; }
input[type="checkbox"] { width: 18px; height: 18px; min-height: 0; padding: 0; margin: 2px 0 0; accent-color: var(--spruce); flex: none; }
input[type="number"] { -moz-appearance: textfield; }
input[type="number"]::-webkit-inner-spin-button, input[type="number"]::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }

.affix { position: relative; }
.affix::before, .affix::after { position: absolute; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 500; pointer-events: none; }
.affix[data-prefix]::before { content: attr(data-prefix); left: 12px; }
.affix[data-prefix] input { padding-left: 26px; }
.affix[data-suffix]::after { content: attr(data-suffix); right: 12px; }
.affix[data-suffix] input { padding-right: 30px; }

.check { display: flex; gap: 10px; align-items: flex-start; font-size: 0.925rem; cursor: pointer; }
.consent { font-size: 0.8rem; color: var(--muted); line-height: 1.45; }

.assumptions { border-top: 1px solid var(--rule); padding-top: 16px; }
.assumptions summary { cursor: pointer; font-weight: 600; color: var(--spruce); list-style-position: outside; }
.assumption-groups { display: grid; gap: 22px; margin-top: 18px; }
.link-btn { justify-self: start; background: none; border: 0; padding: 0; font: 500 0.875rem var(--sans); color: var(--muted); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }
.link-btn:hover { color: var(--ink); }

/* Statement */
.statement { background: var(--surface); border: 1px solid var(--rule); border-radius: var(--radius); padding: clamp(18px, 3vw, 32px); min-width: 0; }
.statement-head { display: grid; gap: 6px; padding-bottom: 18px; }
.statement-head h2 { font: 500 clamp(1.7rem, 3vw, 2.4rem)/1.1 var(--display); letter-spacing: -0.015em; }
.statement-sub { color: var(--muted); font-size: 0.925rem; }

.cols, .line { display: grid; grid-template-columns: minmax(0, 1.45fr) repeat(3, minmax(0, 1fr)); gap: 16px; }
.cols { font-size: 0.8rem; color: var(--muted); padding-bottom: 8px; border-bottom: 2px solid var(--ink); }
.cols span:not(:first-child) { text-align: right; }
.lines { list-style: none; margin: 0; padding: 0; }
.line { padding-block: 18px; border-bottom: 1px solid var(--rule); align-items: start; }
.line.ineligible .num { color: var(--muted); text-decoration: line-through; text-decoration-thickness: 1px; }
.line-head { display: grid; gap: 6px; min-width: 0; }
.line-head h3 { font: 600 1.05rem/1.25 var(--sans); display: flex; flex-wrap: wrap; gap: 8px; align-items: baseline; }
.line-note { font-size: 0.85rem; color: var(--muted); }
.tag { font: 600 0.72rem/1 var(--sans); color: var(--brass); background: var(--brass-soft); padding: 4px 7px; border-radius: 3px; letter-spacing: 0.01em; }
.chips { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; margin: 2px 0 0; padding: 0; }
.chip { font-size: 0.75rem; line-height: 1.25; padding: 4px 8px; border-radius: 8px; }
.chip.good { color: var(--good); background: var(--good-soft); }
.chip.warn { color: var(--warn); background: var(--warn-soft); }
.chip.bad { color: var(--bad); background: var(--bad-soft); }
.chip.info { color: var(--info); background: var(--info-soft); }
.fig { display: grid; gap: 3px; text-align: right; min-width: 0; }
.num { font: 600 clamp(1.15rem, 1.8vw, 1.4rem)/1.15 var(--sans); letter-spacing: -0.01em; }
.num.saves { color: var(--good); }
.sub { font-size: 0.78rem; color: var(--muted); line-height: 1.35; }

@media (max-width: 640px) {
  .cols { display: none; }
  .lines { border-top: 2px solid var(--ink); }
  .line { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px 12px; }
  .line-head { grid-column: 1 / -1; }
  .fig { text-align: left; }
  .fig::before { content: attr(data-label); font-size: 0.72rem; color: var(--muted); }
  .num { font-size: 1.05rem; }
}

.takeaways { padding-top: 22px; display: grid; gap: 10px; }
.takeaways h3 { font: 600 1rem var(--sans); }
#insights { margin: 0; padding-left: 1.1em; display: grid; gap: 8px; max-width: 70ch; }
#insights li::marker { color: var(--spruce); }

.statement-cta { margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--rule); display: flex; flex-wrap: wrap; gap: 12px 20px; align-items: center; }
.statement-cta p { font-size: 0.875rem; color: var(--muted); flex: 1 1 260px; min-width: 0; }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 46px; padding: 12px 20px;
  font: 600 1rem/1 var(--sans);
  color: var(--on-spruce); background: var(--spruce);
  border: 0; border-radius: 4px; text-decoration: none; cursor: pointer;
}
.btn:hover { background: var(--spruce-hover); color: var(--on-spruce); }
.btn[disabled] { opacity: 0.6; cursor: progress; }

/* Reading sections */
.section { padding-block: clamp(48px, 7vw, 80px) 0; display: grid; gap: 24px; }
.section > h2 { font: 500 clamp(1.7rem, 3vw, 2.3rem)/1.1 var(--display); letter-spacing: -0.015em; }

.how { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 32px 40px; }
@media (max-width: 760px) { .how { grid-template-columns: minmax(0, 1fr); } }
.how article { display: grid; gap: 10px; align-content: start; padding-top: 16px; border-top: 1px solid var(--rule); max-width: 62ch; }
.how h3 { font: 600 1.1rem var(--sans); }
.how dl { margin: 4px 0 0; display: grid; grid-template-columns: max-content minmax(0, 1fr); gap: 8px 14px; font-size: 0.925rem; }
.how dt { font-weight: 600; color: var(--muted); }
.how dd { margin: 0; }

.faq { display: grid; max-width: 760px; border-top: 1px solid var(--rule); }
.faq details { border-bottom: 1px solid var(--rule); padding-block: 16px; }
.faq summary { cursor: pointer; font-weight: 600; font-size: 1.02rem; }
.faq details p { margin-top: 10px; color: var(--muted); max-width: 66ch; }

.next { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
@media (max-width: 680px) { .next { grid-template-columns: minmax(0, 1fr); } }
.next-link { display: grid; gap: 6px; padding: 20px; border: 1px solid var(--rule); border-radius: var(--radius); background: var(--surface); text-decoration: none; color: var(--ink); }
.next-link strong { font: 600 1.25rem var(--display); color: var(--spruce); }
.next-link span { color: var(--muted); font-size: 0.95rem; }
.next-link:hover { border-color: var(--spruce); color: var(--ink); }

.talk { grid-template-columns: minmax(0, 1fr) minmax(0, 1.25fr); align-items: start; gap: clamp(20px, 4vw, 48px); }
@media (max-width: 860px) { .talk { grid-template-columns: minmax(0, 1fr); } }
.talk-copy { display: grid; gap: 12px; }
.talk-copy h2 { font: 500 clamp(1.7rem, 3vw, 2.3rem)/1.1 var(--display); letter-spacing: -0.015em; }
.talk-copy p { color: var(--muted); max-width: 48ch; }
.lead-form { display: grid; gap: 16px; }
.lead-form .btn { justify-self: start; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.status { font-size: 0.9rem; min-height: 1.2em; }
.status.error { color: var(--bad); }
.status.note { color: var(--info); }
.field.invalid input, .field.invalid select { border-color: var(--bad); }
.done { display: grid; gap: 8px; }
.done h3 { font: 600 1.2rem var(--sans); color: var(--good); }

.site-foot { margin-top: clamp(56px, 8vw, 96px); padding-block: 32px 48px; border-top: 1px solid var(--rule); display: grid; gap: 10px; font-size: 0.85rem; color: var(--muted); }
.site-foot p { max-width: 90ch; }

/* Simple content pages */
.page { padding-block: 32px 0; display: grid; gap: 16px; max-width: 70ch; }
.page h1 { font: 500 clamp(2rem, 4vw, 2.8rem)/1.1 var(--display); }
.page h2 { font: 600 1.15rem var(--sans); margin-top: 12px; }
.page p, .page li { color: var(--muted); }