/* Serious public calculator visual system: Ledger Slate + Deep Moss */
@font-face {
  font-family: 'SohneLocal';
  src: url('/fonts/soehne-regular.woff2') format('woff2');
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'SohneLocal';
  src: url('/fonts/soehne-semibold.woff2') format('woff2');
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'SohneBreitLocal';
  src: url('/fonts/soehne-breit-halbfett.woff2') format('woff2');
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}

:root {
  --bg: #eae7dd;
  --bg-strong: #ddd7c8;
  --surface: #fbfaf5;
  --surface-raised: #fffefa;
  --surface-muted: #f1ede3;
  --surface-soft: #f7f4ec;
  --ink: #1f2a28;
  --ink-soft: #414b47;
  --ink-muted: #626a65;
  --accent: #174c43;
  --accent-2: #436955;
  --accent-soft: #e0ebe7;
  --warning: #8a4a2f;
  --warning-soft: #f6e8df;
  --border: #cfc7b8;
  --border-soft: #ded7ca;
  --focus: #6a3fb5;
  --shadow: 0 1px 2px rgba(31, 42, 40, .05), 0 16px 42px rgba(31, 42, 40, .08);
  --shadow-soft: 0 1px 2px rgba(31, 42, 40, .04), 0 8px 22px rgba(31, 42, 40, .06);
  --radius-lg: 22px;
  --radius-md: 14px;
  --radius-sm: 10px;
  --site-width: 1168px;
  --font-sans: 'SohneLocal', ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-display: 'SohneBreitLocal', 'SohneLocal', ui-sans-serif, system-ui, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; background: var(--bg); }
body {
  margin: 0;
  min-height: 100vh;
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.58;
  color: var(--ink-soft);
  background:
    linear-gradient(90deg, rgba(31,42,40,.035) 1px, transparent 1px),
    radial-gradient(circle at 8% 8%, rgba(255,255,255,.86), transparent 32rem),
    radial-gradient(circle at 92% 12%, rgba(23,76,67,.08), transparent 34rem),
    linear-gradient(180deg, #efede6 0%, var(--bg) 50%, #e2ded3 100%);
  background-size: 96px 96px, auto, auto, auto;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  font-variant-numeric: lining-nums;
}

body::before {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  opacity: .035;
  mix-blend-mode: multiply;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 240 240' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
a { color: var(--accent); text-decoration-thickness: .08em; text-underline-offset: .18em; }
a:hover { color: #0e3832; }

h1, h2, h3, p { margin-top: 0; }
h1, h2 { color: var(--ink); letter-spacing: -.025em; }
h1 {
  max-width: 12ch;
  font-family: var(--font-display);
  font-size: clamp(2.55rem, 6.2vw, 5.3rem);
  line-height: .98;
  margin-bottom: 1.1rem;
}
h2 {
  font-size: clamp(1.45rem, 2vw, 2rem);
  line-height: 1.12;
  margin-bottom: .65rem;
}
h3 {
  color: var(--ink);
  font-size: 1.05rem;
  line-height: 1.25;
  margin-bottom: .45rem;
}

.site-shell {
  width: min(calc(100% - 32px), var(--site-width));
  margin-inline: auto;
}

.skip-link {
  position: fixed;
  z-index: 999;
  inset: .75rem auto auto .75rem;
  transform: translateY(-180%);
  background: var(--ink);
  color: #fff;
  padding: .75rem 1rem;
  border-radius: 999px;
}
.skip-link:focus { transform: translateY(0); }

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(251,250,245,.88);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(207,199,184,.75);
}
.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 64px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: .68rem;
  color: var(--ink);
  font-weight: 600;
  text-decoration: none;
}
.brand__mark {
  display: inline-grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: var(--ink);
  color: var(--surface);
  font-weight: 600;
  box-shadow: inset 0 1px 0 rgba(255,255,255,.16), 0 6px 18px rgba(31,42,40,.16);
}
.header-nav {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  font-size: .92rem;
}
.header-nav a {
  color: var(--ink-muted);
  text-decoration: none;
}
.header-nav a:hover { color: var(--ink); }

.eyebrow {
  margin-bottom: .55rem;
  color: var(--accent);
  font-size: .73rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
}

.hero {
  padding: 4rem 0 2.3rem;
}
.hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(360px, .72fr);
  gap: clamp(1.5rem, 4vw, 4.75rem);
  align-items: center;
}
.hero__copy {
  padding: 1rem 0;
}
.hero__lead {
  max-width: 660px;
  color: var(--ink-soft);
  font-size: clamp(1.08rem, 1.25vw, 1.25rem);
  line-height: 1.55;
  margin-bottom: 1.35rem;
}
.source-note {
  max-width: 660px;
  margin-top: 1.25rem;
  margin-bottom: 0;
  color: var(--ink-muted);
  font-size: .94rem;
}
.trust-strip {
  display: flex;
  flex-wrap: wrap;
  gap: .6rem;
}
.trust-strip span {
  display: inline-flex;
  align-items: center;
  min-height: 34px;
  padding: .32rem .75rem;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: rgba(251,250,245,.58);
  color: var(--ink);
  font-size: .88rem;
  font-weight: 600;
}
.trust-strip span::before {
  content: '';
  width: .45rem;
  height: .45rem;
  margin-right: .48rem;
  border-radius: 999px;
  background: var(--accent-2);
}

.start-card, .panel, .side-card, .result-panel, .result-card, .before-start details, .faq details {
  background: linear-gradient(180deg, var(--surface-raised), var(--surface));
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
}
.start-card {
  padding: clamp(1.25rem, 3vw, 2rem);
  position: relative;
  overflow: hidden;
}
.start-card::before {
  content: '';
  position: absolute;
  inset: 0 0 auto 0;
  height: 5px;
  background: linear-gradient(90deg, var(--accent), #315f54, #8a4a2f);
}
.start-card__header p:last-child {
  margin-bottom: 1.1rem;
  color: var(--ink-muted);
}
.start-card__actions {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
  align-items: center;
  margin-top: 1.1rem;
}

.form-field, fieldset {
  margin: 0 0 1.1rem;
}
label, legend {
  display: block;
  margin: 0 0 .45rem;
  color: var(--ink);
  font-weight: 700;
  font-size: .93rem;
}
fieldset {
  padding: 0;
  border: 0;
  min-width: 0;
}
.optional {
  color: var(--ink-muted);
  font-weight: 500;
}
.field-help {
  margin: .42rem 0 0;
  color: var(--ink-muted);
  font-size: .85rem;
  line-height: 1.45;
}

input[type='text'], input[type='email'], select {
  width: 100%;
  min-height: 46px;
  padding: .72rem .9rem;
  color: var(--ink);
  background: var(--surface-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  box-shadow: inset 0 1px 2px rgba(31,42,40,.05), 0 1px 0 rgba(255,255,255,.75);
  font-variant-numeric: tabular-nums lining-nums;
  transition: border-color .15s ease, box-shadow .15s ease, background .15s ease;
}
input[type='text']:focus, input[type='email']:focus, select:focus {
  background: #fffefa;
  border-color: var(--focus);
  box-shadow: 0 0 0 4px rgba(106,63,181,.12), inset 0 1px 2px rgba(31,42,40,.04);
  outline: none;
}
input[aria-invalid='true'], select[aria-invalid='true'] {
  border-color: var(--warning);
  background: var(--warning-soft);
}
.field-error {
  margin: .42rem 0 0;
  color: var(--warning);
  font-size: .86rem;
  font-weight: 700;
}
.money-input, .suffix-input {
  display: flex;
  align-items: stretch;
  background: var(--surface-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  overflow: hidden;
}
.money-input:focus-within, .suffix-input:focus-within {
  border-color: var(--focus);
  box-shadow: 0 0 0 4px rgba(106,63,181,.12);
}
.money-input > span, .suffix-input > span {
  display: inline-flex;
  align-items: center;
  padding: 0 .85rem;
  color: var(--ink-muted);
  background: var(--surface-muted);
  border-right: 1px solid var(--border);
  font-weight: 700;
}
.suffix-input > span {
  border-right: 0;
  border-left: 1px solid var(--border);
}
.money-input input, .suffix-input input {
  border: 0;
  border-radius: 0;
  background: transparent;
  box-shadow: none;
}
.money-input input:focus, .suffix-input input:focus {
  box-shadow: none;
  background: transparent;
}

.segmented-control {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: .35rem;
  padding: .35rem;
  background: var(--surface-muted);
  border: 1px solid var(--border);
  border-radius: 13px;
}
.segmented-control label {
  margin: 0;
  font-weight: 700;
  font-size: .88rem;
}
.segmented-control input { position: absolute; opacity: 0; }
.segmented-control span {
  display: grid;
  place-items: center;
  min-height: 38px;
  border-radius: 9px;
  color: var(--ink-muted);
}
.segmented-control input:checked + span {
  color: var(--surface);
  background: var(--accent);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.16), 0 4px 12px rgba(23,76,67,.16);
}
.segmented-control input:focus-visible + span {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
}
.segmented-control--small span { min-height: 34px; font-size: .82rem; }

.radio-stack {
  display: grid;
  gap: .5rem;
}
.radio-stack label, .checkbox-fieldset label {
  display: flex;
  align-items: flex-start;
  gap: .55rem;
  margin: 0;
  color: var(--ink-soft);
  font-weight: 600;
  font-size: .9rem;
}
.radio-stack input, .checkbox-fieldset input {
  width: 1.05rem;
  height: 1.05rem;
  margin-top: .18rem;
  accent-color: var(--accent);
  flex: none;
}
.radio-stack--compact { gap: .35rem; }

.before-start {
  padding: 1rem 0 2.2rem;
}
.before-start__grid {
  display: grid;
  grid-template-columns: minmax(240px, .6fr) minmax(0, 1fr);
  gap: 1.25rem;
  align-items: start;
}
.before-start h2 { max-width: 520px; font-size: clamp(1.2rem, 1.7vw, 1.65rem); }
.explain-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0,1fr));
  gap: .9rem;
}
details {
  color: var(--ink-soft);
}
summary {
  color: var(--ink);
  cursor: pointer;
  font-weight: 700;
  list-style: none;
}
summary::-webkit-details-marker { display: none; }
summary::after {
  content: '+';
  float: right;
  color: var(--accent);
  font-weight: 800;
}
details[open] summary::after { content: '−'; }
.before-start details, .faq details {
  padding: 1rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-soft);
}
details p { margin: .65rem 0 0; font-size: .92rem; }

.workbench {
  padding: 1rem 0 3rem;
}
.workbench__grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 328px;
  gap: 1.25rem;
  align-items: start;
}
.workbench__main {
  display: grid;
  gap: 1rem;
}
.panel {
  padding: clamp(1.1rem, 2.4vw, 1.7rem);
}
.panel__heading {
  max-width: 720px;
  margin-bottom: 1.1rem;
}
.panel__heading p:last-child { color: var(--ink-muted); margin-bottom: 0; }

.side-card {
  padding: 1.2rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-soft);
}
.side-card--sticky {
  position: sticky;
  top: 84px;
}
.check-list {
  list-style: none;
  padding: 0;
  margin: 0 0 1rem;
  display: grid;
  gap: .65rem;
}
.check-list li {
  display: grid;
  grid-template-columns: 1rem 1fr;
  gap: .55rem;
  font-size: .9rem;
}
.check-list li::before {
  content: '';
  width: .55rem;
  height: .55rem;
  margin-top: .5rem;
  border-radius: 50%;
  background: var(--accent-2);
}

.children-container {
  display: grid;
  gap: 1rem;
}
.child-card {
  padding: 1rem;
  border: 1px solid var(--border-soft);
  border-left: 5px solid var(--accent);
  border-radius: var(--radius-md);
  background: linear-gradient(180deg, #fffef9, var(--surface-soft));
}
.child-card__header {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: start;
  padding-bottom: .85rem;
  margin-bottom: 1rem;
  border-bottom: 1px solid var(--border-soft);
}
.child-card__kicker {
  margin-bottom: .22rem;
  color: var(--ink-muted);
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .1em;
  font-weight: 800;
}
.child-card h3 { margin: 0; }
.child-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}
.child-grid--extras {
  margin-top: 1rem;
}
.first-child-fee-note {
  grid-column: 1 / -1;
  background: var(--accent-soft);
  border: 1px solid #bfd4ce;
  border-radius: var(--radius-sm);
  padding: .9rem 1rem;
}
.first-child-fee-note p { margin-bottom: .2rem; }
.optional-extras {
  margin-top: .8rem;
  padding: .9rem 1rem;
  background: rgba(241,237,227,.72);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-sm);
}
.assumption-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}
.advanced-card {
  margin-top: .6rem;
  padding: 1rem;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md);
  background: var(--surface-soft);
}
.advanced-card__body { padding-top: 1rem; }
.checkbox-fieldset {
  padding: .85rem 0 0;
}
.form-actions, .button-row {
  display: flex;
  gap: .75rem;
  flex-wrap: wrap;
  align-items: center;
  margin-top: 1rem;
}

.button {
  display: inline-flex;
  min-height: 46px;
  align-items: center;
  justify-content: center;
  gap: .45rem;
  padding: .72rem 1.05rem;
  border: 1px solid transparent;
  border-radius: 999px;
  font-weight: 800;
  text-decoration: none;
  transition: transform .15s ease, background .15s ease, border-color .15s ease, color .15s ease, box-shadow .15s ease;
}
.button:hover { transform: translateY(-1px); }
.button--primary {
  color: #fff;
  background: linear-gradient(180deg, #20665b, var(--accent));
  box-shadow: inset 0 1px 0 rgba(255,255,255,.16), 0 10px 18px rgba(23,76,67,.18);
}
.button--primary:hover { background: linear-gradient(180deg, #2a7468, #123d37); }
.button--secondary {
  color: var(--accent);
  background: var(--surface-raised);
  border-color: var(--border);
}
.button--secondary:hover { background: var(--accent-soft); border-color: #adc8c0; }
.button--quiet, .button--text {
  color: var(--ink-muted);
  background: transparent;
  border-color: transparent;
  box-shadow: none;
}
.button--quiet:hover, .button--text:hover {
  color: var(--ink);
  background: var(--surface-muted);
}
.button--large { padding-inline: 1.4rem; }
.button[disabled] { opacity: .45; cursor: not-allowed; transform: none; }

.error-summary {
  padding: 1rem 1.2rem;
  border: 2px solid var(--warning);
  border-radius: var(--radius-md);
  background: var(--warning-soft);
  box-shadow: var(--shadow-soft);
}
.error-summary h2 {
  font-size: 1.1rem;
  margin-bottom: .35rem;
}
.error-summary ul {
  margin: .45rem 0 0;
  padding-left: 1.2rem;
}
.error-summary a { color: var(--warning); font-weight: 800; }

.results-section {
  padding: 3rem 0;
  background:
    linear-gradient(180deg, rgba(251,250,245,.52), rgba(241,237,227,.48)),
    linear-gradient(90deg, rgba(31,42,40,.035) 1px, transparent 1px);
  background-size: auto, 96px 96px;
  border-top: 1px solid var(--border-soft);
  border-bottom: 1px solid var(--border-soft);
}
.results-header {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: flex-start;
  margin-bottom: 1rem;
}
.result-plain {
  max-width: 760px;
  color: var(--ink);
  font-size: clamp(1.1rem, 1.5vw, 1.35rem);
  line-height: 1.45;
  margin: 0;
}
.results-actions {
  display: flex;
  flex-wrap: wrap;
  gap: .65rem;
  justify-content: flex-end;
}
.result-card-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: .9rem;
  margin: 1.15rem 0;
}
.result-card {
  padding: 1rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-soft);
}
.result-card--primary {
  background: linear-gradient(180deg, #fffefb, #eef5f2);
  border-color: #bcd2cb;
}
.result-card__label {
  margin-bottom: .28rem;
  color: var(--ink-muted);
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .09em;
  text-transform: uppercase;
}
.result-card__value {
  margin: 0;
  color: var(--ink);
  font-size: clamp(1.3rem, 2.2vw, 2rem);
  line-height: 1.05;
  font-weight: 800;
  font-variant-numeric: tabular-nums lining-nums;
}
.result-card--primary .result-card__value { color: var(--accent); }
.result-card__note {
  margin: .45rem 0 0;
  color: var(--ink-muted);
  font-size: .83rem;
}
.result-panel {
  padding: clamp(1rem, 2vw, 1.35rem);
  margin-top: 1rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-soft);
}
.result-panel__heading { margin-bottom: 1rem; }
.result-panel__heading p { color: var(--ink-muted); margin-bottom: 0; }
.result-panel--split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 1rem;
}
.result-panel--details {
  display: grid;
  gap: .6rem;
}
.result-panel--details details {
  padding: .85rem 0;
  border-top: 1px solid var(--border-soft);
}
.result-panel--details details:first-child { border-top: 0; padding-top: 0; }
.prose { max-width: 820px; }
.prose p { color: var(--ink-soft); }

.comparison-bars {
  display: grid;
  gap: .75rem;
}
.comparison-row {
  display: grid;
  grid-template-columns: 150px 1fr 120px;
  gap: .85rem;
  align-items: center;
  font-variant-numeric: tabular-nums lining-nums;
}
.comparison-row__label { color: var(--ink); font-weight: 800; }
.comparison-row__track {
  height: 14px;
  border-radius: 999px;
  background: var(--surface-muted);
  overflow: hidden;
  border: 1px solid var(--border-soft);
}
.comparison-row__fill {
  height: 100%;
  width: var(--bar-width);
  min-width: 2px;
  background: var(--accent);
  border-radius: inherit;
}
.comparison-row--muted .comparison-row__fill { background: #8c8578; }
.comparison-row__value { text-align: right; color: var(--ink); font-weight: 800; }

.annual-chart {
  display: grid;
  gap: .45rem;
  margin: .5rem 0 1rem;
}
.chart-row {
  display: grid;
  grid-template-columns: 92px 1fr 96px;
  gap: .65rem;
  align-items: center;
  font-size: .84rem;
  color: var(--ink-muted);
  font-variant-numeric: tabular-nums lining-nums;
}
.chart-track {
  height: 12px;
  border-radius: 999px;
  background: var(--surface-muted);
  border: 1px solid var(--border-soft);
  overflow: hidden;
}
.chart-fill {
  height: 100%;
  width: var(--bar-width);
  border-radius: inherit;
  background: linear-gradient(90deg, var(--accent), var(--accent-2));
}
.chart-fill--warn { background: linear-gradient(90deg, var(--warning), #aa6a43); }

.table-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background: var(--surface-raised);
}
table {
  width: 100%;
  min-width: 680px;
  border-collapse: collapse;
  font-size: .9rem;
  font-variant-numeric: tabular-nums lining-nums;
}
caption {
  padding: .85rem 1rem;
  text-align: left;
  color: var(--ink);
  font-weight: 800;
  background: var(--surface-muted);
  border-bottom: 1px solid var(--border);
}
th, td {
  padding: .8rem .95rem;
  border-bottom: 1px solid var(--border-soft);
  text-align: right;
  vertical-align: top;
}
th {
  color: var(--ink-muted);
  background: #f7f4ec;
  font-size: .72rem;
  letter-spacing: .06em;
  text-transform: uppercase;
}
th:first-child, td:first-child { text-align: left; color: var(--ink); font-weight: 700; }
tbody tr:last-child td, tbody tr:last-child th { border-bottom: 0; }
tr.over-threshold { background: var(--warning-soft); }
.table-note {
  display: block;
  margin-top: .15rem;
  color: var(--ink-muted);
  font-size: .78rem;
  font-weight: 600;
}
tr.over-threshold .table-note { color: var(--warning); }

.sensitivity-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0,1fr));
  gap: .8rem;
}
.sensitivity-card {
  padding: .9rem;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-sm);
  background: var(--surface-soft);
}
.sensitivity-card h4 {
  margin: 0 0 .55rem;
  color: var(--ink);
  font-size: .92rem;
}
.sensitivity-card dl {
  display: grid;
  gap: .3rem;
  margin: 0;
}
.sensitivity-card div {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  font-variant-numeric: tabular-nums lining-nums;
}
.sensitivity-card dt { color: var(--ink-muted); }
.sensitivity-card dd { margin: 0; color: var(--ink); font-weight: 800; text-align: right; }

.callout {
  align-self: start;
  padding: 1rem;
  border-radius: var(--radius-md);
  background: var(--accent-soft);
  border: 1px solid #bfd4ce;
}
.callout--warning {
  background: var(--warning-soft);
  border-color: #e2bfae;
}
.callout h3 { margin-bottom: .35rem; }
.callout p { margin-bottom: .4rem; }

.assumptions-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0,1fr));
  gap: .5rem .9rem;
  margin: .8rem 0 0;
}
.assumptions-list div {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: .58rem .7rem;
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-sm);
  background: var(--surface-soft);
}
.assumptions-list dt { color: var(--ink-muted); }
.assumptions-list dd { margin: 0; color: var(--ink); font-weight: 800; text-align: right; }

.faq {
  padding: 3rem 0;
}
.faq__grid {
  display: grid;
  grid-template-columns: 300px minmax(0, 1fr);
  gap: 1.25rem;
  align-items: start;
}
.faq-list {
  display: grid;
  gap: .8rem;
}

.site-footer {
  padding: 2.3rem 0 3rem;
  color: var(--ink-muted);
  border-top: 1px solid var(--border-soft);
}
.footer__grid {
  display: grid;
  grid-template-columns: minmax(0,1fr) minmax(0,1.1fr) minmax(0,.8fr);
  gap: 1.2rem;
  font-size: .9rem;
}
.footer-brand {
  color: var(--ink);
  font-weight: 800;
}
.site-footer ul { margin: .2rem 0 0; padding-left: 1.1rem; }
.site-footer p { margin-bottom: .45rem; }

.sr-only {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  padding: 0 !important;
  margin: -1px !important;
  overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important;
  white-space: nowrap !important;
  border: 0 !important;
}

[hidden] { display: none !important; }

@media (max-width: 980px) {
  .hero__grid, .workbench__grid, .before-start__grid, .faq__grid, .result-panel--split, .footer__grid {
    grid-template-columns: 1fr;
  }
  h1 { max-width: 13ch; }
  .workbench__aside { order: -1; }
  .side-card--sticky { position: static; }
  .result-card-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
}

@media (max-width: 680px) {
  body { background-size: 72px 72px, auto, auto, auto; }
  .site-shell { width: min(calc(100% - 24px), var(--site-width)); }
  .site-header { position: static; }
  .site-header__inner { min-height: auto; padding: .85rem 0; align-items: flex-start; }
  .header-nav { display: none; }
  .hero { padding: 2rem 0 1.35rem; }
  .trust-strip { gap: .45rem; }
  .trust-strip span { font-size: .82rem; }
  .explain-grid, .child-grid, .assumption-grid, .sensitivity-grid, .assumptions-list { grid-template-columns: 1fr; }
  .start-card, .panel { border-radius: 18px; }
  .start-card__actions, .form-actions, .button-row, .results-actions { flex-direction: column; align-items: stretch; }
  .button { width: 100%; }
  .child-card__header, .results-header { flex-direction: column; align-items: stretch; }
  .result-card-grid { grid-template-columns: 1fr; }
  .comparison-row { grid-template-columns: 1fr; gap: .35rem; }
  .comparison-row__value { text-align: left; }
  .chart-row { grid-template-columns: 76px 1fr 84px; gap: .45rem; }
  table { min-width: 620px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    scroll-behavior: auto !important;
    transition-duration: .01ms !important;
  }
}

@media print {
  @page { margin: 12mm; }

  html, body { background: #fff; color: #111; }
  body {
    font-size: 10pt;
    line-height: 1.4;
    margin: 0;
  }

  /* Hide everything that isn't the result report itself */
  body::before,
  .site-header,
  .hero,
  .before-start,
  .workbench,
  .faq,
  .site-footer,
  .results-actions,
  .annual-chart,
  .skip-link,
  #liveRegion,
  .error-summary { display: none !important; }

  .results-section { display: block !important; padding: 0; margin: 0; background: #fff; border: 0; }
  .site-shell { width: 100%; max-width: 100%; padding: 0; }

  /* Tight typography for print */
  h2 { font-size: 14pt; line-height: 1.2; margin: 0 0 0.25rem; }
  h3 { font-size: 11pt; line-height: 1.2; margin: 0 0 0.25rem; }
  h4 { font-size: 10pt; }

  /* Results header — single column */
  .results-header {
    display: block;
    margin-bottom: 0.5rem;
    page-break-after: avoid;
    break-after: avoid;
  }
  .result-plain {
    font-size: 11pt;
    line-height: 1.4;
    max-width: 100%;
    margin: 0.25rem 0 0.5rem;
  }

  /* Panels and cards: tight, never split mid-content, no shadows */
  .result-panel, .result-card, .callout, .child-card {
    box-shadow: none !important;
    border: 1px solid #d4d4d4;
    border-radius: 6px;
    page-break-inside: avoid;
    break-inside: avoid;
    margin-top: 0.5rem;
    padding: 0.55rem 0.75rem;
  }
  .result-panel__heading {
    margin-bottom: 0.35rem;
    page-break-after: avoid;
    break-after: avoid;
  }
  .result-panel__heading p { font-size: 9.5pt; }

  /* Split panels become single column in print */
  .result-panel--split { display: block; }
  .result-panel--split > div + div { margin-top: 0.5rem; }

  /* Summary cards — keep 4-up but tighter */
  .result-card-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0.4rem;
    margin: 0.4rem 0 0.5rem;
  }
  .result-card { padding: 0.5rem 0.6rem; }
  .result-card__label { font-size: 7.5pt; margin-bottom: 0.15rem; }
  .result-card__value { font-size: 13pt; line-height: 1.05; }
  .result-card__note  { font-size: 7.5pt; margin-top: 0.2rem; }

  /* Comparison bars: keep the prose but drop the bars (info already in cards) */
  .comparison-bars { display: none; }

  /* Tables — keep rows together, repeat header on each page */
  .table-scroll { overflow: visible; border: 0; background: transparent; border-radius: 0; }
  table { min-width: 0; font-size: 8.5pt; break-inside: auto; }
  thead { display: table-header-group; }
  tfoot { display: table-footer-group; }
  tr { page-break-inside: avoid; break-inside: avoid; }
  th, td { padding: 3pt 5pt; }
  caption { padding: 4pt 6pt; font-size: 9pt; }

  /* Sensitivity tables side by side stays */
  .sensitivity-grid { grid-template-columns: 1fr 1fr; gap: 0.5rem; }
  .sensitivity-card { padding: 0.45rem 0.6rem; }
  .sensitivity-card h4 { margin-bottom: 0.25rem; }

  /* Assumptions list — 2 columns, tight */
  .assumptions-list { grid-template-columns: 1fr 1fr; gap: 0.25rem 0.5rem; margin-top: 0.4rem; }
  .assumptions-list div { padding: 0.3rem 0.5rem; }

  /* Preserve warning colours on print so over-threshold rows still highlight */
  tr.over-threshold,
  .callout--warning {
    background: #f6e8df !important;
    -webkit-print-color-adjust: exact;
    print-color-adjust: exact;
  }
  .table-note { color: inherit; }

  a { color: #111; text-decoration: none; }

  /* Force <details> open in print so Methodology + Privacy print self-contained */
  details > :not(summary) { display: block !important; }
  details summary::after { content: '' !important; }
  details summary { cursor: default; }
}
/* Topic hub and guide additions */
.hero__guide-link {
  margin: 1rem 0 0;
  font-weight: 600;
}
.section-note {
  color: var(--ink-muted);
  max-width: 38rem;
}
.topic-hub-cta {
  padding: clamp(1.5rem, 4vw, 3rem) 0;
}
.topic-hub-cta__inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 1.25rem 2rem;
  align-items: center;
  background: linear-gradient(135deg, var(--surface-raised), var(--surface-muted));
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-soft);
  padding: clamp(1.25rem, 3vw, 2rem);
}
.topic-hub-cta p:last-child { margin-bottom: 0; }
.print-report-footer { display: none; }

.guide-article {
  padding-bottom: clamp(3rem, 7vw, 5rem);
}
.guide-hero {
  padding: clamp(3.5rem, 8vw, 6.25rem) 0 clamp(2rem, 5vw, 3.5rem);
}
.guide-hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(280px, .7fr);
  gap: clamp(1.5rem, 5vw, 4rem);
  align-items: start;
}
.guide-hero h1 {
  max-width: 18ch;
}
@media (max-width: 600px) {
  .guide-hero h1 {
    font-size: clamp(1.85rem, 8vw, 2.4rem);
    max-width: none;
  }
}
.guide-summary-card,
.worked-example-box,
.source-panel,
.guide-cta-inline {
  background: var(--surface-raised);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-soft);
}
.guide-summary-card {
  padding: clamp(1.25rem, 3vw, 1.75rem);
}
.guide-summary-card h2 {
  font-size: 1.35rem;
}
.guide-layout {
  display: grid;
  grid-template-columns: 260px minmax(0, 1fr);
  gap: clamp(1.75rem, 5vw, 4rem);
  align-items: start;
}
.guide-toc {
  position: sticky;
  top: 6.75rem;
  background: var(--surface-soft);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md);
  padding: 1.15rem 1.25rem;
}
.guide-toc ol {
  margin: .5rem 0 0;
  padding-left: 1.15rem;
}
.guide-toc li + li { margin-top: .45rem; }
.guide-content {
  max-width: 760px;
}
.prose section + section {
  margin-top: clamp(2.5rem, 6vw, 4.5rem);
}
.prose h2 {
  margin-top: 0;
  padding-top: .25rem;
}
.prose h3 {
  margin-top: 1.35rem;
}
.prose p,
.prose li {
  color: var(--ink-soft);
}
.prose ul,
.prose ol {
  padding-left: 1.3rem;
}
.prose li + li {
  margin-top: .5rem;
}
.worked-example-box {
  margin: 1.25rem 0;
  padding: clamp(1rem, 3vw, 1.4rem);
}
.mini-metrics {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: .75rem;
  margin: 1rem 0 0;
}
.mini-metrics div {
  background: var(--surface-muted);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-sm);
  padding: .85rem;
}
.mini-metrics dt {
  color: var(--ink-muted);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.mini-metrics dd {
  color: var(--ink);
  font-weight: 800;
  font-variant-numeric: tabular-nums lining-nums;
  margin: .25rem 0 0;
}
.guide-cta-inline {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 1rem 2rem;
  align-items: center;
  padding: clamp(1.15rem, 3vw, 1.65rem);
  background: linear-gradient(135deg, var(--accent-soft), var(--surface-raised));
}
.guide-cta-inline h2 {
  font-size: 1.35rem;
  margin-bottom: .25rem;
}
.guide-cta-inline p { margin-bottom: 0; }
.guide-faq details {
  background: var(--surface-raised);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md);
  padding: 1rem 1.15rem;
  box-shadow: var(--shadow-soft);
}
.guide-faq details + details { margin-top: .85rem; }
.source-panel {
  padding: clamp(1.15rem, 3vw, 1.6rem);
  background: var(--surface-soft);
}
.source-panel ul { margin-bottom: 0; }

@media (max-width: 900px) {
  .topic-hub-cta__inner,
  .guide-hero__grid,
  .guide-layout,
  .guide-cta-inline {
    grid-template-columns: 1fr;
  }
  .guide-toc {
    position: static;
  }
  .mini-metrics {
    grid-template-columns: 1fr;
  }
}

@media print {
  .topic-hub-cta,
  .guide-toc,
  .guide-cta-inline,
  .guide-summary-card .button,
  .hero__guide-link {
    display: none !important;
  }
  .print-report-footer {
    display: flex !important;
    align-items: center;
    justify-content: center;
    gap: 6pt;
    margin-top: 14pt;
    padding-top: 8pt;
    border-top: 1pt solid #bbb;
    color: #444;
    font-size: 8.5pt;
  }
  .print-report-logo {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 13pt;
    height: 13pt;
    border: 1pt solid #444;
    border-radius: 50%;
    font-size: 8pt;
    font-weight: 700;
    line-height: 1;
  }
  .guide-layout,
  .guide-hero__grid {
    display: block;
  }
  .guide-hero,
  .guide-article {
    padding: 0;
  }
  .guide-content {
    max-width: none;
  }
  .guide-faq details,
  .worked-example-box,
  .source-panel {
    box-shadow: none;
    break-inside: avoid;
  }
}

/* ─── Email capture section ─── */
.email-capture-section {
  padding: clamp(2rem, 5vw, 3rem) 0;
}
.email-capture-callout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 1.25rem 2rem;
  align-items: center;
  background: var(--accent-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-soft);
  padding: clamp(1.25rem, 3vw, 1.75rem) clamp(1.5rem, 4vw, 2rem);
}
.email-capture-copy h2 {
  font-size: 1.25rem;
  margin: 0 0 .35rem;
}
.email-capture-copy p {
  margin: 0;
  color: var(--ink-soft);
}
.email-capture-form {
  display: flex;
  gap: .5rem;
  flex-wrap: wrap;
  align-items: center;
}
.email-capture-form input[type="email"] {
  padding: .65rem .9rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--surface-raised);
  color: var(--ink);
  font: inherit;
  min-width: 240px;
}
.email-capture-form input[type="email"]:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}
.email-capture-honeypot {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
@media (max-width: 700px) {
  .email-capture-callout {
    grid-template-columns: 1fr;
    text-align: left;
  }
  .email-capture-form {
    width: 100%;
  }
  .email-capture-form input[type="email"] {
    width: 100%;
    min-width: 0;
  }
  .email-capture-form .button {
    width: 100%;
  }
}
@media print {
  .email-capture-section { display: none !important; }
}

/* ─── Email confirmation page ─── */
.confirm-section {
  padding: clamp(3rem, 8vw, 6rem) 0;
  display: flex;
  align-items: center;
  min-height: 60vh;
}
.confirm-card {
  max-width: 640px;
  margin: 0 auto;
  padding: clamp(2rem, 5vw, 3rem);
  background: var(--surface-raised);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  text-align: center;
}
.confirm-card h1 {
  max-width: none;
  font-size: clamp(2rem, 5vw, 3rem);
  margin-bottom: 1rem;
}
.confirm-lead {
  font-size: 1.1rem;
  color: var(--ink-soft);
  max-width: 48ch;
  margin: 0 auto 1.25rem;
}
.confirm-meta {
  color: var(--ink-muted);
  font-size: .9rem;
  margin-bottom: 1.5rem;
}
.confirm-actions {
  display: flex;
  gap: .75rem;
  justify-content: center;
  flex-wrap: wrap;
}
@media (max-width: 600px) {
  .confirm-actions .button { width: 100%; }
}