:root {
  --bg: #f3efe6;
  --ink: #1f2a22;
  --muted: #5f6b60;
  --panel: rgba(255, 251, 243, 0.78);
  --line: rgba(31, 42, 34, 0.1);
  --gold: #c5922d;
  --forest: #224737;
  --clay: #d86d43;
  --shadow: 0 24px 60px rgba(53, 43, 26, 0.12);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: "Manrope", sans-serif;
  color: var(--ink);
  background:
    radial-gradient(circle at top left, rgba(216, 109, 67, 0.15), transparent 35%),
    radial-gradient(circle at bottom right, rgba(34, 71, 55, 0.16), transparent 28%),
    linear-gradient(180deg, #fbf7ee 0%, #efe7d8 100%);
  min-height: 100vh;
}

.noise {
  position: fixed;
  inset: 0;
  pointer-events: none;
  opacity: 0.06;
  background-image:
    linear-gradient(0deg, transparent 24%, rgba(0, 0, 0, 0.45) 25%, transparent 26%),
    linear-gradient(90deg, transparent 24%, rgba(0, 0, 0, 0.35) 25%, transparent 26%);
  background-size: 6px 6px;
  mix-blend-mode: multiply;
}

.shell {
  width: min(1280px, calc(100vw - 32px));
  margin: 0 auto;
  padding: 42px 0 80px;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 22px 24px 18px;
  border-radius: 24px;
  background:
    linear-gradient(140deg, rgba(255, 255, 255, 0.82), rgba(245, 237, 220, 0.7)),
    linear-gradient(115deg, rgba(201, 146, 45, 0.2), transparent 35%);
  border: 1px solid rgba(255, 255, 255, 0.5);
  box-shadow: var(--shadow);
}

.hero::after {
  content: "";
  position: absolute;
  top: -90px;
  right: -30px;
  width: 280px;
  height: 280px;
  border-radius: 50%;
  background:
    radial-gradient(circle, rgba(201, 146, 45, 0.45), rgba(201, 146, 45, 0) 68%);
  filter: blur(8px);
}

.hero-copy,
.hero-meta {
  position: relative;
  z-index: 1;
}

.lang-switch {
  position: absolute;
  top: 22px;
  right: 24px;
  z-index: 2;
}

.lang-toggle-wrap {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 12px;
  border-radius: 999px;
  border: 1px solid rgba(31, 42, 34, 0.1);
  background: rgba(255, 255, 255, 0.72);
  cursor: pointer;
}

.lang-token {
  font-size: 0.78rem;
  font-weight: 800;
  color: var(--muted);
}

.lang-toggle {
  width: 44px;
  height: 24px;
}

.eyebrow,
.mini {
  margin: 0;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-size: 0.72rem;
  font-weight: 800;
  color: var(--clay);
}

.hero h1,
.section-head h2,
.result-callout h3,
.source-list h3 {
  margin: 0;
  font-family: "Cormorant Garamond", serif;
}

.hero-copy {
  max-width: 760px;
  padding-right: 180px;
}

.hero h1 {
  max-width: none;
  font-size: clamp(1.65rem, 2.3vw, 2.35rem);
  line-height: 1.02;
  letter-spacing: -0.02em;
  margin-top: 4px;
}

.lede {
  max-width: 560px;
  margin: 8px 0 0;
  font-size: 0.88rem;
  line-height: 1.45;
  color: var(--muted);
}

.hero-meta,
.metric-grid,
.cards-compare,
.source-list,
.field-grid,
.workspace {
  display: grid;
  gap: 18px;
}

.hero-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 14px;
}

.hero-meta span,
.panel,
.metric-card,
.mode-card,
.source-list article {
  backdrop-filter: blur(16px);
  background: var(--panel);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}

.hero-meta span {
  padding: 8px 12px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.74);
  font-size: 0.76rem;
  font-weight: 800;
  color: var(--forest);
}

.field span,
.source-list p,
.mode-card p,
.result-callout p,
.section-head p {
  color: var(--muted);
}

.workspace {
  grid-template-columns: minmax(360px, 0.92fr) minmax(380px, 1.08fr);
  margin-top: 22px;
  align-items: start;
}

.seo-intro {
  margin-top: 22px;
  padding: 24px 28px;
  border-radius: 28px;
  background:
    linear-gradient(180deg, rgba(255, 251, 244, 0.9), rgba(248, 242, 230, 0.76));
}

.seo-intro h2 {
  margin: 8px 0 0;
  font-family: "Cormorant Garamond", serif;
  font-size: clamp(1.9rem, 3vw, 2.6rem);
  line-height: 0.98;
}

.seo-intro p:not(.mini) {
  margin: 14px 0 0;
  max-width: 920px;
  line-height: 1.72;
  color: var(--muted);
}

.panel {
  border-radius: 30px;
  padding: 28px;
}

.section-head {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.section-head.compact {
  margin-top: 26px;
}

.section-head h2 {
  font-size: 2rem;
  line-height: 0.95;
}

.field-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin-top: 18px;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.is-hidden {
  display: none;
}

.is-placeholder {
  visibility: hidden;
  pointer-events: none;
}

.checkbox-field {
  justify-content: end;
}

.field span {
  font-size: 0.9rem;
  font-weight: 700;
}

.input-wrap,
.field select {
  display: flex;
  align-items: center;
  gap: 12px;
  width: 100%;
  min-height: 56px;
  padding: 0 16px;
  border-radius: 18px;
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.85);
}

.date-range-wrap {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr);
  align-items: center;
  gap: 10px;
  width: 100%;
  min-height: 56px;
  padding: 0 16px;
  border-radius: 18px;
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.85);
}

.date-range-wrap span {
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--muted);
}

.check-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
  justify-content: space-between;
  min-height: 56px;
  padding: 0 16px;
  border-radius: 18px;
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.85);
}

.check-wrap input {
  width: 18px;
  height: 18px;
}

.check-wrap em {
  font-style: normal;
  color: var(--muted);
  font-size: 0.88rem;
}

.toggle-wrap {
  gap: 16px;
}

.inline-switch-row {
  display: flex;
  align-items: center;
  gap: 12px;
  min-height: 56px;
  padding: 0;
}

.inline-switch-row span {
  color: var(--ink);
  font-size: 0.96rem;
  font-weight: 700;
}

.switch {
  position: relative;
  display: inline-flex;
  width: 48px;
  height: 28px;
  flex: 0 0 auto;
}

.switch input {
  position: absolute;
  inset: 0;
  opacity: 0;
  width: 100%;
  height: 100%;
  margin: 0;
  cursor: pointer;
}

.slider {
  position: relative;
  width: 100%;
  height: 100%;
  border-radius: 999px;
  background: rgba(34, 71, 55, 0.14);
  transition: background 0.2s ease;
}

.slider::before {
  content: "";
  position: absolute;
  top: 3px;
  left: 3px;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #fffdf8;
  box-shadow: 0 3px 10px rgba(31, 42, 34, 0.16);
  transition: transform 0.2s ease;
}

.switch input:checked + .slider {
  background: rgba(34, 71, 55, 0.9);
}

.switch input:checked + .slider::before {
  transform: translateX(20px);
}

.field input,
.field select {
  font: inherit;
  color: var(--ink);
}

.field input {
  width: 100%;
  border: 0;
  outline: 0;
  background: transparent;
  font-weight: 700;
}

.date-range-wrap input {
  min-width: 0;
  width: 100%;
  border: 0;
  outline: 0;
  background: transparent;
  font: inherit;
  color: var(--ink);
  font-weight: 700;
}

.field select {
  appearance: none;
  -webkit-appearance: none;
  padding-right: 48px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.92), rgba(250, 244, 232, 0.88)),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='18' height='18' viewBox='0 0 18 18' fill='none'%3E%3Cpath d='M4.5 6.75L9 11.25L13.5 6.75' stroke='%23224737' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat, no-repeat;
  background-position: center, right 16px center;
  background-size: auto, 18px 18px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.6);
  cursor: pointer;
}

.field select::-ms-expand {
  display: none;
}

.field em {
  font-style: normal;
  font-size: 0.8rem;
  color: var(--muted);
  white-space: nowrap;
}

.field-note {
  color: var(--muted);
  font-size: 0.78rem;
  line-height: 1.4;
}

.usage-mode-field {
  grid-column: 1 / -1;
}

.result-callout {
  margin-top: 22px;
  padding: 24px;
  border-radius: 24px;
  background:
    linear-gradient(135deg, rgba(34, 71, 55, 0.92), rgba(44, 81, 64, 0.9)),
    linear-gradient(120deg, rgba(255, 255, 255, 0.1), transparent);
  color: #f5f1e5;
}

.result-callout p,
.result-callout strong,
.result-callout h3 {
  color: inherit;
}

.callout-label {
  margin: 0;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-size: 0.74rem;
}

.result-callout h3 {
  font-size: clamp(2.8rem, 6vw, 4.8rem);
  line-height: 0.9;
  margin-top: 10px;
}

.metric-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 18px;
}

.metric-card {
  padding: 20px;
  border-radius: 20px;
}

.metric-card span {
  display: block;
  font-size: 0.82rem;
  color: var(--muted);
}

.metric-card strong {
  display: block;
  margin-top: 10px;
  font-size: 1.4rem;
}

.metric-delta {
  display: inline-block;
  margin-left: 6px;
  font-size: 0.72rem;
  font-weight: 700;
}

.metric-delta.positive {
  color: #2f7d45;
}

.metric-delta.negative {
  color: #b2442f;
}

.insight-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
  margin-top: 18px;
}

.insight-strip div {
  padding: 16px 18px;
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid var(--line);
}

.insight-strip p {
  margin: 0;
  font-size: 0.78rem;
  color: var(--muted);
}

.insight-strip strong {
  display: block;
  margin-top: 10px;
  font-size: 1rem;
}

.cards-compare {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 18px;
}

.assumption-box {
  margin-top: 18px;
  padding: 18px 20px;
  border-radius: 22px;
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.72);
}

.step-panel {
  margin-top: 18px;
  padding: 20px;
  border-radius: 22px;
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.78);
}

.step-topline {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 14px;
}

.step-topline div {
  padding: 14px 16px;
  border-radius: 16px;
  background: rgba(34, 71, 55, 0.06);
}

.step-topline span,
.step-copy,
.bill-row span {
  color: var(--muted);
}

.step-topline span {
  display: block;
  font-size: 0.78rem;
}

.step-topline strong {
  display: block;
  margin-top: 8px;
  font-size: 1.1rem;
}

.step-copy {
  margin: 14px 0 0;
  line-height: 1.65;
}

.bill-table {
  margin-top: 16px;
  border: 1px solid var(--line);
  border-radius: 18px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.68);
}

.bill-head,
.bill-row {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(110px, 0.8fr) minmax(110px, 0.8fr) minmax(110px, 0.8fr);
  align-items: center;
  gap: 16px;
  padding: 14px 16px;
  border-top: 1px solid var(--line);
}

.bill-head {
  border-top: 0;
  background: rgba(34, 71, 55, 0.06);
  font-size: 0.78rem;
  font-weight: 800;
  color: var(--muted);
}

.bill-head > span:nth-child(2),
.bill-head > span:nth-child(3),
.bill-head > span:nth-child(4) {
  text-align: center;
}

.bill-row:first-child {
  border-top: 1px solid var(--line);
}

.bill-row em {
  font-style: normal;
  font-size: 0.88rem;
  color: var(--muted);
}

.rate-stack {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.rate-note {
  font-size: 0.72rem;
  line-height: 1.25;
  color: #b2442f;
}

.bill-row strong {
  font-size: 1rem;
  text-align: right;
}

.money {
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: baseline;
  gap: 6px;
  width: 100%;
}

.money .currency {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--muted);
  letter-spacing: 0.02em;
}

.money .amount {
  font-variant-numeric: tabular-nums;
  justify-self: end;
  text-align: right;
}

.bill-row.total-row {
  background: rgba(34, 71, 55, 0.06);
  font-weight: 800;
}

.bill-row.total-row span,
.bill-row.total-row em,
.bill-row.total-row strong {
  color: var(--ink);
}

.secondary-callout {
  background:
    linear-gradient(135deg, rgba(201, 146, 45, 0.92), rgba(175, 111, 38, 0.9)),
    linear-gradient(120deg, rgba(255, 255, 255, 0.12), transparent);
}

.assumption-box p:last-child {
  margin-bottom: 0;
  line-height: 1.65;
}

.mode-card {
  padding: 22px;
  border-radius: 22px;
}

.mode-card strong {
  display: block;
  font-size: 1.3rem;
  line-height: 1.2;
  margin-top: 12px;
}

.mode-card span {
  display: block;
  margin-top: 10px;
  color: var(--forest);
  font-weight: 700;
}

.mode-title {
  margin: 0;
  font-size: 0.84rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.cash {
  background: linear-gradient(180deg, rgba(255, 248, 230, 0.96), rgba(255, 252, 246, 0.85));
}

.loan {
  background: linear-gradient(180deg, rgba(238, 247, 241, 0.96), rgba(255, 252, 246, 0.85));
}

.source-panel {
  margin-top: 22px;
}

.section-head-split {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 16px;
}

.source-list {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 18px;
}

.source-list article {
  border-radius: 22px;
  padding: 22px;
}

.source-kicker {
  margin: 0 0 10px;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--clay);
}

.source-list h3 {
  font-size: 1.5rem;
  margin-bottom: 10px;
}

.source-list p {
  line-height: 1.65;
}

.faq-panel {
  background:
    linear-gradient(180deg, rgba(255, 250, 242, 0.84), rgba(247, 241, 229, 0.72));
}

.faq-card {
  border: 1px solid rgba(201, 146, 45, 0.18);
  background:
    linear-gradient(180deg, rgba(255, 252, 246, 0.96), rgba(255, 247, 232, 0.82));
  box-shadow: 0 16px 32px rgba(53, 43, 26, 0.06);
}

.faq-card h3 {
  font-size: 1.32rem;
  line-height: 1.15;
}

.source-section-head {
  margin-top: 30px;
  padding-top: 24px;
  border-top: 1px solid rgba(31, 42, 34, 0.08);
}

.source-card {
  border: 1px solid rgba(31, 42, 34, 0.08);
  background:
    linear-gradient(180deg, rgba(250, 252, 248, 0.96), rgba(246, 243, 236, 0.82));
  box-shadow: 0 16px 36px rgba(31, 42, 34, 0.05);
}

.site-footer {
  margin-top: 20px;
  padding: 20px 4px 0;
  text-align: center;
}

.site-footer p {
  margin: 0;
  font-size: 0.9rem;
  color: var(--muted);
}

.site-footer a {
  color: var(--forest);
  font-weight: 800;
  text-decoration: none;
}

.site-footer a:hover {
  text-decoration: underline;
}

.source-list a {
  color: var(--forest);
  font-weight: 800;
  text-decoration: none;
}

.source-list a:hover {
  text-decoration: underline;
}

@media (max-width: 1120px) {
  .workspace,
  .cards-compare,
  .source-list {
    grid-template-columns: 1fr;
  }

  .metric-grid,
  .field-grid,
  .insight-strip {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .step-topline {
    grid-template-columns: 1fr;
  }

  .bill-head,
  .bill-row {
    grid-template-columns: minmax(0, 1.2fr) minmax(88px, 0.7fr) minmax(88px, 0.7fr) minmax(88px, 0.7fr);
  }
}

@media (max-width: 720px) {
  .shell {
    width: min(100vw - 18px, 100%);
    padding: 18px 0 40px;
  }

  .hero,
  .panel {
    padding: 20px;
    border-radius: 22px;
  }

  .hero h1 {
    max-width: 100%;
    font-size: 2.9rem;
  }

  .metric-grid,
  .field-grid,
  .insight-strip {
    grid-template-columns: 1fr;
  }

  .bill-head,
  .bill-row {
    grid-template-columns: 1fr;
  }

  .bill-row strong {
    text-align: left;
  }
}