@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,500;9..144,600;9..144,700&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --ink:#16232e; --ink-soft:#4a5b68; --ink-faint:#7c8b96;
  --line:#e2e6ea; --paper:#f6f7f5; --card:#fff;
  --emerald:#0f7a5f; --emerald-deep:#0a5a45;
  --clay:#b04a2f; --clay-wash:#fbeee9;
  --wash:#eef3f0; --gold:#c8963e;
  --maxw:1120px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0; font-family:'Inter',system-ui,sans-serif; color:var(--ink);
  background:var(--paper); line-height:1.6; -webkit-font-smoothing:antialiased;
  font-variant-numeric:tabular-nums;
}
img{max-width:100%;display:block;}
a{color:var(--emerald-deep);}
.wrap{max-width:var(--maxw); margin:0 auto; padding:0 clamp(16px,4vw,32px);}
h1,h2,h3{font-family:'Fraunces',Georgia,serif; font-weight:600; letter-spacing:-.01em; color:var(--ink);}
h2{font-size:clamp(22px,3vw,30px); margin:0 0 14px;}
h3{font-size:clamp(17px,2.2vw,20px); margin:0 0 10px;}
p{margin:0 0 16px;}

/* ---------- Header ---------- */
.site-header{position:sticky; top:0; z-index:50; background:rgba(246,247,245,.92); backdrop-filter:blur(8px); border-bottom:1px solid var(--line);}
.site-header .bar{display:flex; align-items:center; justify-content:space-between; padding:14px clamp(16px,4vw,32px); max-width:var(--maxw); margin:0 auto;}
.logo{font-family:'Fraunces',Georgia,serif; font-weight:600; font-size:19px; color:var(--ink); text-decoration:none; display:flex; align-items:center; gap:8px;}
.logo .mark{width:26px;height:26px;border-radius:7px;background:linear-gradient(160deg,var(--emerald),var(--emerald-deep));display:inline-flex;align-items:center;justify-content:center;color:#fff;font-size:13px;font-weight:700;font-family:'Inter',sans-serif;}
nav.main-nav{display:flex; align-items:center; gap:28px;}
nav.main-nav > a{color:var(--ink-soft); text-decoration:none; font-size:14px; font-weight:600;}
nav.main-nav > a:hover{color:var(--emerald-deep);}
.has-drop{position:relative;}
.has-drop > button{background:none;border:0;font:inherit;color:var(--ink-soft);font-size:14px;font-weight:600;cursor:pointer;display:flex;align-items:center;gap:5px;padding:0;font-family:'Inter',sans-serif;}
.has-drop:hover > button{color:var(--emerald-deep);}
.has-drop svg{width:11px;height:11px;transition:.15s;}
.dropdown{position:absolute; top:calc(100% + 14px); left:50%; transform:translateX(-50%); background:#fff; border:1px solid var(--line); border-radius:14px; box-shadow:0 12px 32px rgba(20,35,46,.12); width:560px; padding:10px; display:grid; grid-template-columns:1fr 1fr; gap:2px; opacity:0; visibility:hidden; transition:.15s; max-width:90vw;}
.has-drop:hover .dropdown{opacity:1; visibility:visible; top:calc(100% + 8px);}
.dropdown a{display:block; padding:10px 12px; border-radius:9px; text-decoration:none; color:var(--ink);}
.dropdown a:hover{background:var(--wash);}
.dropdown a .dt{font-size:13.5px; font-weight:600; color:var(--ink);}
.dropdown a .dd{font-size:12px; color:var(--ink-faint); margin-top:1px;}
.nav-cta{background:var(--emerald); color:#fff !important; padding:9px 18px; border-radius:999px; font-size:13.5px !important;}
.nav-cta:hover{background:var(--emerald-deep); color:#fff !important;}
.burger{display:none; background:none; border:0; cursor:pointer; padding:6px;}
.burger span{display:block; width:22px; height:2px; background:var(--ink); margin:4px 0; border-radius:2px;}
#mobileNav{display:none;}

@media (max-width:900px){
  nav.main-nav{display:none;}
  .burger{display:block;}
  #mobileNav.open{display:block; border-top:1px solid var(--line); padding:14px clamp(16px,4vw,32px) 20px;}
  #mobileNav a{display:block; padding:10px 0; color:var(--ink); text-decoration:none; font-weight:600; font-size:15px; border-bottom:1px solid var(--line);}
  #mobileNav .grp-label{font-size:11px; text-transform:uppercase; letter-spacing:.1em; color:var(--ink-faint); margin-top:14px;}
}

/* ---------- Hero ---------- */
.hero{padding:clamp(32px,6vw,56px) 0 8px;}
.eyebrow{font-size:12px; letter-spacing:.14em; text-transform:uppercase; color:var(--emerald-deep); font-weight:700;}
.hero h1{font-size:clamp(30px,5vw,48px); line-height:1.06; margin:.4rem 0 .6rem; max-width:20ch;}
.hero .sub{font-size:clamp(15px,2vw,17px); color:var(--ink-soft); max-width:66ch;}
.trust{display:flex; flex-wrap:wrap; gap:8px 22px; margin:18px 0 6px; padding:14px 0; border-top:1px solid var(--line); border-bottom:1px solid var(--line);}
.trust span{font-size:13px; color:var(--ink-soft); font-weight:500; display:inline-flex; align-items:center; gap:6px;}
.trust span b{color:var(--emerald-deep);}
.trust a{color:var(--emerald-deep); font-weight:600; text-decoration:none;}
.status-banner{margin-top:14px; background:var(--wash); border:1px solid #cfe0d8; border-radius:12px; padding:11px 16px; font-size:13.5px; color:var(--ink-soft);}
.hero-image{margin-top:24px; border-radius:18px; overflow:hidden; border:1px solid var(--line); box-shadow:0 12px 40px rgba(20,35,46,.08);}
.hero-image img{width:100%; height:auto; max-height:420px; object-fit:cover; display:block;}
.notice-banner{margin-top:14px; background:var(--clay-wash); border:1px solid #edc9ba; border-radius:12px; padding:11px 16px; font-size:13.5px; color:#7a3720; font-weight:600;}

/* ---------- Calculator embed ---------- */
.calc-slot{margin:28px 0 8px;}

/* ---------- Content ---------- */
.content{padding:44px 0;}
.content section{margin-bottom:44px;}
.content section:last-child{margin-bottom:0;}
.content p{color:var(--ink-soft); font-size:15.5px;}
.content p b, .content li b{color:var(--ink);}
.content ul, .content ol{color:var(--ink-soft); font-size:15.5px; padding-left:22px;}
.content li{margin-bottom:6px;}

.table-wrap{overflow-x:auto; margin:18px 0; border:1px solid var(--line); border-radius:14px;}
table{width:100%; border-collapse:collapse; font-size:14px; min-width:480px;}
thead th{background:var(--emerald-deep); color:#fff; text-align:left; padding:12px 14px; font-weight:600; font-size:12.5px; text-transform:uppercase; letter-spacing:.04em; white-space:nowrap;}
tbody td{padding:11px 14px; border-top:1px solid var(--line); color:var(--ink-soft);}
tbody tr:nth-child(even){background:var(--paper);}
tbody td:first-child{color:var(--ink); font-weight:600;}
.table-note{font-size:12.5px; color:var(--ink-faint); margin-top:-8px;}

.callout{background:var(--card); border:1px solid var(--line); border-left:4px solid var(--emerald); border-radius:10px; padding:16px 18px; margin:18px 0; font-size:14.5px; color:var(--ink-soft);}
.callout.clay{border-left-color:var(--clay);}
.callout b{color:var(--ink);}

/* ---------- FAQ ---------- */
.faq details{border-bottom:1px solid var(--line); padding:16px 0;}
.faq details:first-child{border-top:1px solid var(--line);}
.faq summary{cursor:pointer; font-weight:600; font-size:15.5px; color:var(--ink); list-style:none; display:flex; justify-content:space-between; align-items:center; gap:12px;}
.faq summary::-webkit-details-marker{display:none;}
.faq summary:after{content:"+"; font-size:22px; color:var(--emerald); flex:none; font-weight:400; transition:.15s;}
.faq details[open] summary:after{content:"–";}
.faq details p{margin:12px 0 0; color:var(--ink-soft); font-size:14.5px;}

/* ---------- Related calculators ---------- */
.related-grid{display:grid; grid-template-columns:repeat(auto-fill,minmax(240px,1fr)); gap:14px; margin-top:18px;}
.rcard{background:var(--card); border:1px solid var(--line); border-radius:14px; padding:16px 18px; text-decoration:none; transition:.15s;}
.rcard:hover{border-color:var(--emerald); box-shadow:0 6px 20px rgba(20,35,46,.06);}
.rcard .rt{font-weight:600; color:var(--ink); font-size:14.5px; margin-bottom:4px;}
.rcard .rd{font-size:13px; color:var(--ink-faint); line-height:1.45;}

/* ---------- Legal / simple content pages ---------- */
.legal-page .content section{margin-bottom:30px;}
.legal-page h2{font-size:20px; margin-top:0;}
.updated-badge{font-size:12.5px; color:var(--ink-faint); background:var(--wash); display:inline-block; padding:6px 12px; border-radius:999px; margin-bottom:18px;}

/* ---------- Author card ---------- */
.author-card{display:flex; gap:20px; align-items:center; background:var(--card); border:1px solid var(--line); border-radius:16px; padding:20px; margin-bottom:10px;}
.author-card img{width:76px; height:76px; border-radius:50%; object-fit:cover; flex:none;}
.author-card .an{font-weight:600; font-size:16px;}
.author-card .ar{font-size:13px; color:var(--ink-faint);}
.author-photo{width:180px; height:180px; border-radius:50%; object-fit:cover; margin:0 auto 20px;}

/* ---------- Contact form ---------- */
.contact-form{background:var(--card); border:1px solid var(--line); border-radius:16px; padding:24px; max-width:560px;}
.contact-form label{display:block; font-size:13px; font-weight:600; margin:0 0 6px;}
.contact-form input, .contact-form select, .contact-form textarea{width:100%; padding:11px 12px; border:1px solid var(--line); border-radius:10px; font:inherit; font-size:14px; margin-bottom:16px; background:#fff; color:var(--ink);}
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus{outline:none; border-color:var(--emerald); box-shadow:0 0 0 3px var(--wash);}
.contact-form button{background:var(--emerald); color:#fff; border:0; padding:12px 24px; border-radius:999px; font:inherit; font-weight:600; font-size:14.5px; cursor:pointer;}
.contact-form button:hover{background:var(--emerald-deep);}

.resp-table{display:grid; gap:10px;}
.resp-row{display:flex; justify-content:space-between; gap:12px; background:var(--card); border:1px solid var(--line); border-radius:10px; padding:12px 16px; font-size:14px;}
.resp-row .rl{color:var(--ink-soft);}
.resp-row .rr{font-weight:600; color:var(--emerald-deep); white-space:nowrap;}

/* ---------- Need-a-different-calc table replaced by grid; keep util classes ---------- */
.section-label{font-size:12px; letter-spacing:.1em; text-transform:uppercase; color:var(--ink-faint); font-weight:700; margin-bottom:8px;}

/* ---------- Footer ---------- */
footer.site-footer{background:#0f1c17; color:#c9d6cf; margin-top:60px;}
footer.site-footer .fwrap{max-width:var(--maxw); margin:0 auto; padding:48px clamp(16px,4vw,32px) 26px;}
.foot-grid{display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:32px;}
.foot-brand{font-family:'Fraunces',Georgia,serif; font-size:19px; color:#fff; margin-bottom:10px;}
.foot-desc{font-size:13.5px; color:#8fa79c; max-width:32ch; line-height:1.55;}
.foot-col h4{font-size:12px; text-transform:uppercase; letter-spacing:.1em; color:#79a08e; margin:0 0 14px; font-weight:700;}
.foot-col a{display:block; color:#c9d6cf; text-decoration:none; font-size:13.5px; margin-bottom:10px;}
.foot-col a:hover{color:#fff;}
.foot-bottom{border-top:1px solid rgba(255,255,255,.09); margin-top:34px; padding-top:20px; display:flex; justify-content:space-between; flex-wrap:wrap; gap:10px; font-size:12.5px; color:#6f8a7d;}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr 1fr; row-gap:28px;}}

.skip-link{position:absolute; left:-999px; top:0; background:var(--emerald); color:#fff; padding:10px 16px; border-radius:8px; z-index:100;}
.skip-link:focus{left:16px; top:16px;}

@media (prefers-reduced-motion: reduce){ *{transition:none !important; scroll-behavior:auto !important;} }