:root {
  --navy: #0f2942;
  --navy-light: #1c3f5f;
  --teal: #0d7a6e;
  --teal-light: #0fa593;
  --gold: #c8962c;
  --bg: #f6f8fa;
  --card: #ffffff;
  --border: #e2e8ee;
  --text: #1a2b3c;
  --text-muted: #5b6b7a;
  --radius: 10px;
  --shadow: 0 2px 10px rgba(15, 41, 66, 0.06);
  --shadow-lg: 0 8px 30px rgba(15, 41, 66, 0.1);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
}
.container { max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.skip-link {
  position: absolute; left: -999px; top: 0; background: var(--navy); color: #fff;
  padding: 10px 16px; z-index: 100;
}
.skip-link:focus { left: 10px; top: 10px; }

/* Header */
.site-header { background: var(--navy); position: sticky; top: 0; z-index: 50; box-shadow: var(--shadow); }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.logo { color: #fff; font-weight: 800; font-size: 1.25rem; text-decoration: none; letter-spacing: -0.5px; display: inline-flex; align-items: center; gap: 8px; }
.logo span { color: var(--teal-light); }
.logo-mark { border-radius: 6px; flex-shrink: 0; }
.main-nav { display: flex; gap: 22px; }
.main-nav a { color: #cdd9e3; text-decoration: none; font-size: 0.92rem; font-weight: 500; transition: color 0.15s; }
.main-nav a:hover { color: #fff; }
.nav-toggle { display: none; background: none; border: none; color: #fff; font-size: 1.4rem; cursor: pointer; }

@media (max-width: 860px) {
  .main-nav { position: absolute; top: 64px; left: 0; right: 0; background: var(--navy-light); flex-direction: column; padding: 10px 20px 20px; display: none; }
  .main-nav.open { display: flex; }
  .nav-toggle { display: block; }
}

/* Hero / page header */
.page-hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); color: #fff; padding: 48px 0 40px; }
.page-hero h1 { font-size: 2rem; margin: 0 0 10px; letter-spacing: -0.5px; }
.page-hero p { color: #b9c9d6; max-width: 640px; margin: 0; font-size: 1.05rem; }
.breadcrumb { font-size: 0.85rem; color: #93a7b8; margin-bottom: 14px; }
.breadcrumb a { color: #93a7b8; }

/* Cards */
.card { background: var(--card); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow); padding: 28px; }
.card + .card { margin-top: 24px; }
section.content { padding: 40px 0; }
section.content.narrow .container { max-width: 820px; }

/* Calculator form */
.calc-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 28px; align-items: start; }
@media (max-width: 780px) { .calc-grid { grid-template-columns: 1fr; } }
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; font-size: 0.92rem; margin-bottom: 6px; color: var(--navy); }
.field .hint { font-size: 0.8rem; color: var(--text-muted); margin-top: 4px; }
input[type="number"], input[type="text"], select {
  width: 100%; padding: 12px 14px; border: 1.5px solid var(--border); border-radius: 8px;
  font-size: 1rem; background: #fbfcfd; transition: border-color 0.15s;
}
input:focus, select:focus { outline: none; border-color: var(--teal); }
.radio-group { display: flex; gap: 10px; flex-wrap: wrap; }
.radio-group label {
  border: 1.5px solid var(--border); border-radius: 8px; padding: 8px 14px; cursor: pointer;
  font-weight: 500; font-size: 0.9rem; color: var(--text-muted);
}
.radio-group input { display: none; }
.radio-group input:checked + span { color: var(--teal); }
.radio-group label:has(input:checked) { border-color: var(--teal); background: #edf7f5; color: var(--teal); }

.btn-primary {
  background: var(--teal); color: #fff; border: none; padding: 13px 26px; border-radius: 8px;
  font-size: 1rem; font-weight: 700; cursor: pointer; width: 100%; transition: background 0.15s;
}
.btn-primary:hover { background: var(--teal-light); }

/* Results panel */
.result-panel { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 28px; }
.result-headline { font-size: 0.85rem; color: #9fb4c4; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 4px; }
.result-amount { font-size: 2.4rem; font-weight: 800; color: #fff; margin: 0 0 20px; }
.result-amount small { font-size: 1rem; font-weight: 500; color: #9fb4c4; }
.result-row { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.1); font-size: 0.94rem; }
.result-row:last-child { border-bottom: none; }
.result-row .val { font-weight: 700; }
.result-row .val.negative { color: #ff9d9d; }
.result-row .val.positive { color: #7fe0c8; }

/* Tables */
table { width: 100%; border-collapse: collapse; margin: 18px 0; font-size: 0.92rem; }
th, td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--border); }
th { background: #eef2f5; color: var(--navy); font-weight: 700; }
tr:hover td { background: #fafcfd; }

/* FAQ accordion */
.faq-item { border-bottom: 1px solid var(--border); padding: 16px 0; }
.faq-item summary { font-weight: 700; cursor: pointer; color: var(--navy); font-size: 1rem; list-style: none; display: flex; justify-content: space-between; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; color: var(--teal); font-size: 1.3rem; }
.faq-item[open] summary::after { content: "–"; }
.faq-item p { margin-top: 10px; color: var(--text-muted); }

/* Guide article */
article.guide h2 { color: var(--navy); margin-top: 32px; }
article.guide p { color: #33475a; }
.callout { background: #edf7f5; border-left: 4px solid var(--teal); padding: 14px 18px; border-radius: 6px; margin: 20px 0; font-size: 0.94rem; }
.callout.warn { background: #fdf3e7; border-left-color: var(--gold); }

/* Misc */
.badge { display: inline-block; background: #edf7f5; color: var(--teal); font-size: 0.75rem; font-weight: 700; padding: 3px 10px; border-radius: 20px; text-transform: uppercase; letter-spacing: 0.04em; }
.badge.provisional { background: #fdf3e7; color: #a5730f; }
.muted { color: var(--text-muted); font-size: 0.9rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 780px) { .grid-3 { grid-template-columns: 1fr; } }
.tool-card { background: var(--card); border: 1px solid var(--border); border-radius: var(--radius); padding: 22px; text-decoration: none; color: var(--text); display: block; transition: box-shadow 0.15s, transform 0.15s; }
.tool-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.tool-card h3 { color: var(--navy); margin: 0 0 8px; }
.tool-card p { color: var(--text-muted); font-size: 0.9rem; margin: 0; }

/* Footer */
.site-footer { background: var(--navy); color: #cdd9e3; padding: 44px 0 20px; margin-top: 60px; font-size: 0.88rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 30px; }
@media (max-width: 780px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
.site-footer h4 { color: #fff; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 12px; }
.site-footer a { display: block; color: #9fb4c4; text-decoration: none; margin-bottom: 8px; }
.site-footer a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); margin-top: 30px; padding-top: 20px; font-size: 0.8rem; color: #7d93a3; }

/* Last updated strip */
.updated-strip { background: #eef2f5; padding: 10px 0; font-size: 0.82rem; color: var(--text-muted); }