:root {
  color-scheme: light;
  --navy: #0f2a4a;
  --navy-2: #17395f;
  --gold: #e8ad35;
  --gold-dark: #b97706;
  --ink: #162536;
  --muted: #536477;
  --cream: #fffaf0;
  --paper: #ffffff;
  --line: #dbe2e9;
  --green: #16835e;
  --shadow: 0 18px 50px rgba(15, 42, 74, .12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
}
a { color: inherit; }
.skip-link {
  position: absolute;
  left: 1rem;
  top: -6rem;
  z-index: 20;
  background: var(--gold);
  color: var(--navy);
  padding: .65rem 1rem;
  border-radius: .4rem;
  font-weight: 800;
}
.skip-link:focus { top: 1rem; }
.wrap { width: min(1120px, calc(100% - 2rem)); margin-inline: auto; }
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(15, 42, 74, .97);
  color: #fff;
  border-bottom: 1px solid rgba(255, 255, 255, .14);
}
.nav { min-height: 72px; display: flex; align-items: center; gap: 1.25rem; }
.brand { font-size: 1.35rem; font-weight: 900; text-decoration: none; letter-spacing: -.03em; }
.brand span { color: var(--gold); }
.nav-links { margin-left: auto; display: flex; align-items: center; gap: 1.15rem; }
.nav-links a { text-decoration: none; font-weight: 700; font-size: .95rem; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: .75rem 1.05rem;
  border-radius: .65rem;
  border: 2px solid transparent;
  background: var(--gold);
  color: var(--navy);
  text-decoration: none;
  font-weight: 900;
  box-shadow: 0 8px 24px rgba(232, 173, 53, .25);
}
.button:hover { background: #f2bc4d; }
.button:focus-visible, a:focus-visible, summary:focus-visible { outline: 3px solid #58a6ff; outline-offset: 3px; }
.button.secondary { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .55); box-shadow: none; }
.button.secondary:hover { background: rgba(255, 255, 255, .09); }
.hero {
  color: #fff;
  background:
    radial-gradient(circle at 80% 10%, rgba(232, 173, 53, .2), transparent 30%),
    linear-gradient(140deg, var(--navy), #0b213b 70%);
  padding: clamp(4.5rem, 9vw, 8rem) 0;
}
.eyebrow { margin: 0 0 .75rem; color: var(--gold); font-size: .8rem; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(290px, .65fr); gap: clamp(2rem, 6vw, 5rem); align-items: center; }
h1 { margin: 0; font-size: clamp(2.65rem, 7vw, 5.5rem); line-height: .98; letter-spacing: -.055em; max-width: 13ch; }
.hero-lead { max-width: 650px; font-size: clamp(1.1rem, 2vw, 1.35rem); color: #e7eef7; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.5rem; }
.hero-note { color: #bdcad8; font-size: .9rem; }
.price-card { background: #fff; color: var(--ink); border-radius: 1rem; padding: 1.6rem; box-shadow: var(--shadow); }
.price-card strong { color: var(--navy); font-size: 2.2rem; letter-spacing: -.04em; }
.price-card p { margin: .2rem 0; }
.price-card hr { border: 0; border-top: 1px solid var(--line); margin: 1.2rem 0; }
.check-list { list-style: none; padding: 0; margin: 1.2rem 0 0; }
.check-list li { position: relative; padding-left: 1.55rem; margin-block: .55rem; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 900; }
section { padding: clamp(4rem, 7vw, 6.5rem) 0; }
section.tint { background: var(--cream); }
.section-head { max-width: 760px; margin-bottom: 2rem; }
h2 { margin: 0 0 .8rem; color: var(--navy); font-size: clamp(2rem, 4vw, 3.25rem); line-height: 1.08; letter-spacing: -.04em; }
h3 { color: var(--navy); margin: 0 0 .45rem; font-size: 1.18rem; }
.section-head p, .muted { color: var(--muted); }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.card { border: 1px solid var(--line); border-radius: .85rem; padding: 1.35rem; background: #fff; }
.card .num { color: var(--gold-dark); font-weight: 900; font-size: .8rem; letter-spacing: .08em; }
.plans { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; align-items: start; }
.plan { border: 1px solid var(--line); border-radius: 1rem; padding: clamp(1.3rem, 3vw, 2rem); background: #fff; box-shadow: var(--shadow); }
.plan.featured { border: 2px solid var(--gold); }
.plan-name { display: flex; justify-content: space-between; gap: 1rem; align-items: baseline; }
.plan-price { font-size: 2rem; font-weight: 900; color: var(--navy); white-space: nowrap; }
.plan small { color: var(--muted); }
.truth-note { margin-top: 1.3rem; padding: 1rem; border-left: 4px solid var(--gold); background: #fff8e7; }
.fit-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.fit { padding: 1.5rem; border-radius: .85rem; border: 1px solid var(--line); }
.fit.good { background: #f1fbf7; }
.fit.boundary { background: #fff8e7; }
.faq { max-width: 850px; }
details { border-top: 1px solid var(--line); padding: 1rem 0; }
details:last-child { border-bottom: 1px solid var(--line); }
summary { cursor: pointer; color: var(--navy); font-weight: 850; font-size: 1.08rem; }
details p { color: var(--muted); margin-bottom: .25rem; }
.cta { text-align: center; color: #fff; background: var(--navy); }
.cta h2 { color: #fff; }
.cta p { color: #d8e2ee; max-width: 700px; margin-inline: auto; }
.site-footer { background: #091b30; color: #c9d5e2; padding: 2rem 0; }
.footer-row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem 2rem; }
.footer-links { display: flex; flex-wrap: wrap; gap: 1rem; }
.footer-links a { color: #fff; }
.guide-hero { color: #fff; background: linear-gradient(140deg, var(--navy), #0b213b 70%); padding: clamp(3.5rem, 7vw, 6rem) 0; }
.guide-hero h1 { max-width: 17ch; }
.article-wrap { max-width: 850px; }
.updated-line { color: #bdcad8; font-size: .9rem; }
.calculator-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(300px, .85fr); gap: 1.25rem; align-items: start; }
.calculator-panel, .result-panel { border: 1px solid var(--line); border-radius: 1rem; padding: clamp(1.3rem, 3vw, 2rem); background: #fff; box-shadow: var(--shadow); }
.section-head.compact { margin-bottom: 1rem; }
.field-grid { display: grid; gap: 1rem; }
.field-grid label { color: var(--navy); font-weight: 800; }
.money-input, .percent-input { display: flex; align-items: center; gap: .45rem; margin-top: .35rem; padding: .55rem .7rem; border: 1px solid #9cabb9; border-radius: .55rem; background: #fff; font-weight: 700; }
.money-input:focus-within, .percent-input:focus-within { outline: 3px solid #58a6ff; outline-offset: 2px; }
.money-input input, .percent-input input { width: 100%; min-width: 0; border: 0; outline: 0; font: inherit; color: var(--ink); background: transparent; }
.form-error { color: #9b1c1c; font-weight: 750; }
.result-panel { background: var(--navy); color: #fff; }
.result-panel h2 { color: #fff; font-size: 2rem; }
.results { margin: 1.25rem 0; }
.results div { display: flex; justify-content: space-between; gap: 1rem; padding: .85rem 0; border-top: 1px solid rgba(255,255,255,.2); }
.results div:last-child { border-bottom: 1px solid rgba(255,255,255,.2); }
.results dt { color: #d8e2ee; }
.results dd { margin: 0; font-size: 1.25rem; font-weight: 900; white-space: nowrap; }
.result-note { color: #bdcad8; font-size: .9rem; }
.example-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.example-grid code { display: inline-block; padding: .25rem .45rem; border-radius: .35rem; background: #edf2f7; color: var(--navy); font-weight: 800; }
.prose p, .decision-list, .steps { font-size: 1.05rem; }
.decision-list, .steps { padding-left: 1.25rem; }
.decision-list li, .steps li { margin-bottom: .8rem; padding-left: .3rem; }
.resource-card { display: flex; flex-direction: column; gap: .3rem; max-width: 760px; padding: 1.4rem; border: 1px solid var(--line); border-left: 5px solid var(--gold); border-radius: .8rem; background: #fff; color: var(--navy); text-decoration: none; box-shadow: var(--shadow); }
.resource-card span { color: var(--gold-dark); font-size: .8rem; font-weight: 900; letter-spacing: .08em; text-transform: uppercase; }
.resource-card strong { font-size: 1.15rem; }
.resource-card:hover { transform: translateY(-1px); }

@media (max-width: 820px) {
  .hero-grid, .plans, .fit-grid, .calculator-grid { grid-template-columns: 1fr; }
  .cards { grid-template-columns: 1fr 1fr; }
  .example-grid { grid-template-columns: 1fr; }
  .nav-links a:not(.button) { display: none; }
}
@media (max-width: 560px) {
  .cards { grid-template-columns: 1fr; }
  .button { width: 100%; }
  .nav .button { width: auto; min-height: 42px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}