*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --cream: #FAF7F2;
  --warm-white: #FFFEF9;
  --ink: #1C1A18;
  --ink-muted: #5C5751;
  --ink-faint: #9C9890;
  --sage: #4A7C59;
  --sage-light: #EAF2EC;
  --sage-mid: #C4DEC9;
  --amber: #C4720A;
  --amber-light: #FEF3E2;
  --amber-mid: #F5C87A;
  --rose: #B54040;
  --rose-light: #FAEAEA;
  --border: #E8E3DB;
  --border-strong: #C8C1B5;
  --shadow: 0 2px 16px rgba(28, 26, 24, 0.08);
  --shadow-lg: 0 8px 40px rgba(28, 26, 24, 0.12);
  --radius: 12px;
  --radius-sm: 8px;
}

html {
  font-size: 14px;
  overflow-x: hidden;
}

body {
  font-family: 'DM Sans', system-ui, sans-serif;
  overflow-x: hidden;
  background: var(--cream);
  background-image: radial-gradient(circle, rgba(28, 26, 24, 0.04) 1px, transparent 1px);
  background-size: 28px 28px;
  color: var(--ink);
  min-height: 100vh;
  line-height: 1.6;
}

/* ── Layout ── */
.page {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

/* ── Site header ── */
.site-header {
  background: var(--warm-white);
  border-bottom: 1px solid var(--border);
  padding: 18px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.site-wordmark {
  display: flex;
  align-items: center;
  gap: 9px;
  text-decoration: none;
}

.site-wordmark-icon {
  width: 30px;
  height: 30px;
  border-radius: 8px;
  background: var(--sage);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.site-wordmark-text {
  font-family: 'DM Serif Display', Georgia, serif;
  font-size: 18px;
  color: var(--ink);
  line-height: 1;
}

.site-wordmark-text span {
  font-family: 'DM Sans', sans-serif;
  font-size: 18px;
  font-weight: 300;
  color: var(--ink-muted);
}

.site-logo {
  height: 32px;
  width: auto;
  display: block;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 24px;
}

.site-nav-link {
  font-size: 14px;
  font-weight: 500;
  color: var(--ink-muted);
  text-decoration: none;
  white-space: nowrap;
  transition: color 0.15s;
}

.site-nav-link:hover {
  color: var(--sage);
}

.main {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 40px 20px 60px;
  gap: 0;
}

.main--wide {
  flex: 1;
  padding: 40px 32px 60px;
  max-width: 1200px;
  width: 100%;
  margin: 0 auto;
}

.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
}

.two-col .calc-col {
  order: 1;
}

.two-col .info-col {
  order: 2;
}

@media (max-width: 1024px) {
  .two-col {
    grid-template-columns: 1fr;
  }

  .two-col .calc-col {
    order: 2;
    display: flex;
    flex-direction: column;
    align-items: center;
  }

  .two-col .info-col {
    order: 1;
  }

  .info-wrap {
    padding-left: 0;
    padding-right: 0;
  }

  .info-card {
    max-width: 100%;
  }
}

.article-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
}

.article-card-item {
  background: var(--warm-white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px 28px;
  text-decoration: none;
  display: block;
  transition: box-shadow 0.15s, transform 0.15s;
  border: 1px solid var(--border);
}

.article-card-item:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.article-card-title {
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 6px;
  line-height: 1.4;
}

.article-card-desc {
  font-size: 14px;
  color: var(--ink-muted);
  line-height: 1.6;
}

.faq-wide-header {
  margin-bottom: 32px;
}

.faq-wide-header .title {
  font-family: 'DM Serif Display', Georgia, serif;
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 400;
  line-height: 1.25;
  color: var(--ink);
  margin-bottom: 8px;
}

.faq-col {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.card {
  background: var(--warm-white);
  border-radius: 20px;
  box-shadow: var(--shadow-lg);
  width: 100%;
  max-width: 560px;
  overflow: hidden;
  animation: slideUp 0.4s cubic-bezier(0.16, 1, 0.3, 1) both;
}

@keyframes slideUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.card-header {
  padding: 32px 36px 0;
}

.card-body {
  padding: 24px 36px 36px;
}

/* ── Typography ── */
.eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--sage);
  margin-bottom: 10px;
}

h1.title {
  font-family: 'DM Serif Display', Georgia, serif;
  font-size: 28px;
  font-weight: 400;
  line-height: 1.25;
  color: var(--ink);
  margin-bottom: 8px;
}

.subtitle {
  font-size: 15px;
  color: var(--ink-muted);
  line-height: 1.65;
  margin-bottom: 0;
}

/* ── Progress ── */
.progress-wrap {
  padding: 20px 36px 0;
}

.progress-track {
  display: flex;
  gap: 6px;
  margin-bottom: 8px;
}

.progress-seg {
  flex: 1;
  height: 3px;
  border-radius: 3px;
  background: var(--border);
  transition: background 0.35s ease;
}

.progress-seg.active {
  background: var(--sage);
}

.progress-label {
  font-size: 12px;
  color: var(--ink-faint);
}

/* ── Form elements ── */
.field {
  margin-bottom: 20px;
}

label.field-label {
  display: block;
  font-size: 13px;
  font-weight: 500;
  color: var(--ink-muted);
  margin-bottom: 7px;
  letter-spacing: 0.01em;
}

input[type="number"],
select {
  width: 100%;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border-strong);
  background: var(--cream);
  color: var(--ink);
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  outline: none;
  transition: border-color 0.18s, box-shadow 0.18s;
  appearance: none;
  -webkit-appearance: none;
}

input[type="number"]::placeholder {
  color: var(--ink-faint);
  opacity: 0.6;
  font-style: italic;
}

input[type="number"]:focus,
select:focus {
  border-color: var(--sage);
  box-shadow: 0 0 0 3px rgba(74, 124, 89, 0.12);
}

select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='7' viewBox='0 0 12 7'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%239C9890' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px;
  cursor: pointer;
}

.money-wrap {
  position: relative;
}

.money-wrap .prefix {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--ink-faint);
  font-size: 15px;
  pointer-events: none;
  user-select: none;
}

.money-wrap input {
  padding-left: 26px;
}

.field-hint {
  font-size: 12px;
  color: var(--ink-faint);
  margin-top: 6px;
  line-height: 1.5;
}

.field-hint.good {
  color: var(--sage);
}

.field-hint.warn {
  color: var(--amber);
}

/* ── State callout ── */
.state-note {
  margin-top: 8px;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  background: var(--sage-light);
  border-left: 3px solid var(--sage);
  font-size: 13px;
  color: var(--ink-muted);
  line-height: 1.6;
  display: none;
}

.state-note.warn-state {
  background: var(--amber-light);
  border-color: var(--amber);
}

.state-note.visible {
  display: block;
}

/* ── Checkboxes ── */
.check-group {
  background: var(--cream);
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  padding: 14px 16px;
  margin-bottom: 20px;
}

.check-group-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--ink-faint);
  letter-spacing: 0.07em;
  text-transform: uppercase;
  margin-bottom: 12px;
  display: block;
}

.check-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
  user-select: none;
  margin-bottom: 10px;
}

.check-item:last-child {
  margin-bottom: 0;
}

.check-box {
  width: 20px;
  height: 20px;
  border-radius: 5px;
  border: 1.5px solid var(--border-strong);
  background: var(--warm-white);
  flex-shrink: 0;
  margin-top: 2px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.15s;
}

.check-box.checked {
  background: var(--sage);
  border-color: var(--sage);
}

.check-box svg {
  display: none;
}

.check-box.checked svg {
  display: block;
}

.check-text-main {
  font-size: 14px;
  color: var(--ink);
  line-height: 1.4;
}

.check-text-sub {
  font-size: 12px;
  color: var(--ink-faint);
  margin-top: 2px;
  line-height: 1.4;
}

/* ── Grid ── */
.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  align-items: start;
}

/* ── Exposure preview ── */
.exposure-box {
  padding: 14px 16px;
  background: var(--cream);
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border);
  margin-bottom: 20px;
}

.exposure-label {
  font-size: 12px;
  color: var(--ink-faint);
  margin-bottom: 3px;
}

.exposure-amount {
  font-family: 'DM Serif Display', serif;
  font-size: 28px;
  color: var(--ink);
  line-height: 1.1;
}

.exposure-note {
  font-size: 13px;
  margin-top: 6px;
  line-height: 1.5;
}

/* ── Buttons ── */
.btn-row {
  display: flex;
  gap: 10px;
  margin-top: 4px;
}

.btn {
  border: none;
  border-radius: var(--radius-sm);
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.18s;
  padding: 13px 20px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}

.btn-primary {
  background: var(--ink);
  color: var(--warm-white);
  flex: 1;
}

.btn-primary:hover {
  background: #333;
  transform: translateY(-1px);
}

.btn-primary:active {
  transform: translateY(0);
}

.btn-primary:disabled {
  background: var(--border);
  color: var(--ink-faint);
  cursor: not-allowed;
  transform: none;
}

.btn-ghost {
  background: transparent;
  color: var(--ink-muted);
  border: 1.5px solid var(--border-strong);
  padding: 13px 18px;
}

.btn-ghost:hover {
  background: var(--cream);
  border-color: var(--ink-muted);
}

.btn-reset {
  background: transparent;
  color: var(--ink-faint);
  border: 1.5px solid var(--border);
  width: 100%;
  margin-top: 4px;
  font-size: 14px;
}

.btn-reset:hover {
  color: var(--ink-muted);
  border-color: var(--border-strong);
}

/* ── Results ── */
.result-hero {
  margin-bottom: 24px;
}

.result-eyebrow {
  font-size: 12px;
  color: var(--ink-faint);
  margin-bottom: 4px;
  font-weight: 500;
}

.result-amount {
  font-family: 'DM Serif Display', serif;
  font-size: 52px;
  line-height: 1;
  color: var(--ink);
  margin-bottom: 10px;
}

.result-context {
  font-size: 14px;
  color: var(--ink-muted);
  line-height: 1.65;
}

.scenarios-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin-bottom: 20px;
}

.scenario-card {
  padding: 14px 12px;
  border-radius: var(--radius-sm);
  text-align: left;
}

.scenario-card.best {
  background: var(--sage-light);
}

.scenario-card.likely {
  background: var(--amber-light);
}

.scenario-card.worst {
  background: var(--rose-light);
}

.scenario-label {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 4px;
}

.scenario-card.best .scenario-label {
  color: var(--sage);
}

.scenario-card.likely .scenario-label {
  color: var(--amber);
}

.scenario-card.worst .scenario-label {
  color: var(--rose);
}

.scenario-amount {
  font-family: 'DM Serif Display', serif;
  font-size: 20px;
  line-height: 1.1;
  margin-bottom: 5px;
}

.scenario-card.best .scenario-amount {
  color: var(--sage);
}

.scenario-card.likely .scenario-amount {
  color: var(--amber);
}

.scenario-card.worst .scenario-amount {
  color: var(--rose);
}

.scenario-sub {
  font-size: 11px;
  line-height: 1.45;
  opacity: 0.75;
}

.scenario-card.best .scenario-sub {
  color: var(--sage);
}

.scenario-card.likely .scenario-sub {
  color: var(--amber);
}

.scenario-card.worst .scenario-sub {
  color: var(--rose);
}

/* Savings */
.savings-banner {
  padding: 14px 16px;
  background: var(--sage-light);
  border-radius: var(--radius-sm);
  border: 1px solid var(--sage-mid);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-bottom: 22px;
}

.savings-number {
  font-family: 'DM Serif Display', serif;
  font-size: 24px;
  color: var(--sage);
}

.savings-note {
  font-size: 13px;
  color: var(--sage);
  line-height: 1.5;
  text-align: right;
  max-width: 200px;
}

/* Facts & tips */
.section-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--ink-faint);
  letter-spacing: 0.07em;
  text-transform: uppercase;
  margin-bottom: 10px;
}

.fact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  background: var(--cream);
  margin-bottom: 6px;
  font-size: 13px;
  line-height: 1.55;
}

.fact-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 5px;
}

.fact-dot.good {
  background: var(--sage);
}

.fact-dot.bad {
  background: var(--rose);
}

.fact-dot.neutral {
  background: var(--border-strong);
}

.fact-text.good {
  color: var(--sage);
}

.fact-text.bad {
  color: var(--rose);
}

.fact-text.neutral {
  color: var(--ink-muted);
}

.tip-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 11px 14px;
  border-radius: var(--radius-sm);
  margin-bottom: 6px;
  font-size: 13px;
  line-height: 1.6;
}

.tip-item.hi {
  background: var(--warm-white);
  border: 1px solid var(--border-strong);
  font-weight: 500;
  color: var(--ink);
}

.tip-item.lo {
  background: var(--cream);
  color: var(--ink-muted);
  font-weight: 400;
}

.tip-arrow {
  color: var(--sage);
  flex-shrink: 0;
  font-size: 14px;
  line-height: 1.55;
}

.tip-item.lo .tip-arrow {
  color: var(--border-strong);
}

/* Disclaimer */
.disclaimer {
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  margin-top: 20px;
  margin-bottom: 14px;
  font-size: 12px;
  color: var(--ink-faint);
  line-height: 1.65;
}

.disclaimer strong {
  color: var(--ink-muted);
  font-weight: 500;
}

/* Protected */
.protected-card {
  background: var(--sage-light);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
  margin-bottom: 16px;
}

.protected-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--warm-white);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.protected-title {
  font-family: 'DM Serif Display', serif;
  font-size: 22px;
  color: var(--sage);
  margin-bottom: 10px;
}

.protected-body {
  font-size: 14px;
  color: var(--sage);
  line-height: 1.7;
  margin-bottom: 18px;
}

.protected-zero {
  font-family: 'DM Serif Display', serif;
  font-size: 40px;
  color: var(--sage);
}

.protected-note {
  background: var(--cream);
  border-radius: var(--radius-sm);
  padding: 13px 15px;
  font-size: 13px;
  color: var(--ink-muted);
  line-height: 1.65;
  margin-bottom: 16px;
  border-left: 3px solid var(--sage-mid);
}

/* Divider */
.divider {
  height: 1px;
  background: var(--border);
  margin: 20px 0;
}

/* Steps */
.step {
  display: none;
}

.step.active {
  display: block;
}

/* ETF sub-field */
.sub-field {
  margin-left: 32px;
  margin-top: 12px;
  margin-bottom: 0;
}

/* ── Trust strip ── */
.trust-strip {
  display: flex;
  gap: 0;
  max-width: 560px;
  width: 100%;
  margin-top: 24px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--warm-white);
  overflow: hidden;
}

.trust-strip--centered {
  max-width: 100%;
  margin-top: 32px;
}

.trust-item {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 16px 12px;
  gap: 8px;
  border-right: 1px solid var(--border);
}

.trust-item:last-child {
  border-right: none;
}

.trust-item-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--cream);
  flex-shrink: 0;
}

.trust-item-title {
  font-size: 12px;
  font-weight: 600;
  color: var(--ink);
  line-height: 1.2;
}

.trust-item-body {
  font-size: 11px;
  color: var(--ink-faint);
  line-height: 1.4;
}

/* ── Footer ── */
.site-footer {
  text-align: center;
  padding: 16px 24px 32px;
  font-size: 11px;
  color: var(--ink-faint);
  line-height: 1.7;
}

/* ── Info card (state landing pages) ── */
.info-wrap {
  display: flex;
  justify-content: center;
  padding: 10px 5px 0;
}

.info-card {
  background: #f5f8f6;
  border-radius: 6px;
  box-shadow: none;
  border: 1.5px solid #c8dece;
  border-left: 4px solid var(--sage);
  width: 100%;
  max-width: 560px;
  padding: 28px 32px 32px;
}

.info-eyebrow {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--sage);
  margin-bottom: 6px;
}

.info-card h2 {
  font-size: 16px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 14px;
  letter-spacing: -0.01em;
}

.info-card p {
  font-size: 14px;
  color: var(--ink-muted);
  margin-bottom: 8px;
}

.info-card p:last-child {
  margin-bottom: 0;
}

.info-card strong {
  color: var(--ink);
}

.info-card .meta {
  font-size: 13px;
  color: var(--ink-faint);
  margin-top: 14px;
  border-top: 1px solid #c8dece;
  padding-top: 12px;
}

.pill-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 14px;
}

.pill {
  font-size: 13px;
  font-weight: 500;
  padding: 4px 10px;
  border-radius: 99px;
  background: var(--sage-light);
  color: var(--sage);
}

.pill.warn {
  background: var(--rose-light);
  color: var(--rose);
}

/* ── Responsive ── */
@media (max-width: 768px) {
  .site-header {
    padding: 12px 16px;
    gap: 8px;
  }

  .site-nav {
    gap: 12px;
  }

  .site-nav-link {
    font-size: 13px;
  }

  .site-wordmark-text,
  .site-wordmark-text span {
    font-size: 15px;
  }
}

@media (max-width: 400px) {
  .site-wordmark-text span {
    display: none;
  }

  .site-nav {
    gap: 10px;
  }

  .site-nav-link {
    font-size: 12px;
  }
}

@media (max-width: 560px) {

  .card-header,
  .card-body,
  .progress-wrap {
    padding-left: 22px;
    padding-right: 22px;
  }

  .result-amount {
    font-size: 42px;
  }

  .scenarios-grid {
    grid-template-columns: 1fr;
  }

  .grid-2 {
    grid-template-columns: 1fr;
  }

  .trust-strip {
    flex-direction: column;
  }

  .trust-item {
    flex-direction: row;
    text-align: left;
    border-right: none;
    border-bottom: 1px solid var(--border);
    gap: 12px;
  }

  .trust-item:last-child {
    border-bottom: none;
  }
}