:root {
  --ink: #17231d;
  --muted: #5e6d65;
  --line: #dfe8e2;
  --paper: #ffffff;
  --soft: #f4f8f5;
  --accent-soft: #edf8f1;
  --brand: #1f6b46;
  --brand-dark: #174f35;
  --brand-pale: #d8eee1;
  --warn: #8b4a13;
  --danger: #a13232;
  --shadow: 0 18px 50px rgba(23, 35, 29, .09);
  --radius: 18px;
  --container: 1160px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; color: var(--ink); background: var(--paper); line-height: 1.65; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--brand); text-underline-offset: 3px; }
a:hover { color: var(--brand-dark); }
button, input { font: inherit; }
button { cursor: pointer; }
.container { width: min(calc(100% - 40px), var(--container)); margin-inline: auto; }
.narrow { max-width: 820px; }
.section { padding: 92px 0; }
.section-muted { background: var(--soft); }
.section-accent { background: var(--accent-soft); }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; }
.skip-link { position: absolute; left: -999px; top: 10px; z-index: 1000; background: var(--ink); color: white; padding: 10px 14px; border-radius: 8px; }
.skip-link:focus { left: 10px; }
.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.94); backdrop-filter: blur(14px); border-bottom: 1px solid transparent; transition: .2s ease; }
.site-header.scrolled { border-color: var(--line); box-shadow: 0 7px 25px rgba(23,35,29,.05); }
.header-inner { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.brand { display: inline-flex; align-items: center; flex: 0 0 auto; }
.site-nav { display: flex; align-items: center; gap: 28px; }
.site-nav > a:not(.button) { color: var(--ink); text-decoration: none; font-weight: 650; font-size: .95rem; }
.site-nav > a.active:not(.button), .site-nav > a:not(.button):hover { color: var(--brand); }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; }
.nav-toggle span:not(.sr-only) { display: block; width: 24px; height: 2px; background: var(--ink); margin: 5px 0; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 50px; padding: 0 22px; border: 1px solid var(--brand); border-radius: 12px; background: var(--brand); color: #fff; font-weight: 750; text-decoration: none; transition: transform .15s ease, background .15s ease, border .15s ease; }
.button:hover { color: #fff; background: var(--brand-dark); border-color: var(--brand-dark); transform: translateY(-1px); }
.button-small { min-height: 40px; padding: 0 16px; border-radius: 10px; font-size: .92rem; }
.button-secondary { background: transparent; color: var(--brand); }
.button-secondary:hover { background: var(--accent-soft); color: var(--brand-dark); }
.button-ghost { background: var(--soft); color: var(--ink); border-color: var(--line); }
.button-light { background: #fff; color: var(--brand-dark); border-color: #fff; }
.button-light:hover { background: #eef8f2; color: var(--brand-dark); border-color: #eef8f2; }
.button-full { width: 100%; }
.eyebrow { display: inline-block; margin-bottom: 14px; color: var(--brand); font-weight: 800; font-size: .79rem; letter-spacing: .11em; text-transform: uppercase; }
h1, h2, h3 { margin-top: 0; line-height: 1.14; letter-spacing: -.025em; }
h1 { font-size: clamp(2.75rem, 6vw, 5.35rem); margin-bottom: 24px; }
h2 { font-size: clamp(2rem, 4vw, 3.25rem); margin-bottom: 20px; }
h3 { font-size: 1.3rem; margin-bottom: 12px; }
p { margin-top: 0; }
.lead { font-size: 1.18rem; color: var(--muted); max-width: 700px; }
.hero { padding: 86px 0 102px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.03fr .97fr; align-items: center; gap: 60px; }
.hero-copy h1 { max-width: 760px; }
.hero-actions { display: flex; gap: 14px; margin: 34px 0 28px; flex-wrap: wrap; }
.trust-list { display: flex; gap: 22px; flex-wrap: wrap; list-style: none; padding: 0; margin: 0; color: var(--muted); font-size: .91rem; }
.trust-list li { position: relative; padding-left: 20px; }
.trust-list li::before { content: "✓"; position: absolute; left: 0; color: var(--brand); font-weight: 900; }
.hero-visual { position: relative; }
.hero-visual::before { content: ""; position: absolute; inset: 6% 1% 1% 6%; background: var(--brand-pale); border-radius: 45% 55% 48% 52% / 55% 42% 58% 45%; filter: blur(2px); z-index: -1; }
.section-heading { max-width: 760px; margin-bottom: 42px; }
.heading-row { max-width: none; display: flex; justify-content: space-between; align-items: end; gap: 30px; }
.card-grid { display: grid; gap: 22px; }
.card-grid.three { grid-template-columns: repeat(3, 1fr); }
.card { border: 1px solid var(--line); background: #fff; border-radius: var(--radius); padding: 28px; box-shadow: 0 9px 32px rgba(23,35,29,.035); }
.icon-card .icon-box { width: 48px; height: 48px; display: grid; place-items: center; border-radius: 14px; background: var(--accent-soft); color: var(--brand); font-weight: 850; margin-bottom: 24px; }
.icon-card p, .article-card p { color: var(--muted); margin-bottom: 0; }
.article-card { display: flex; flex-direction: column; min-height: 252px; }
.article-card h3 a { color: var(--ink); text-decoration: none; }
.article-card h3 a:hover { color: var(--brand); }
.tag { align-self: flex-start; display: inline-flex; padding: 6px 10px; background: var(--accent-soft); color: var(--brand-dark); border-radius: 999px; font-weight: 750; font-size: .77rem; margin-bottom: 18px; }
.read-time { color: var(--muted); font-size: .83rem; margin-top: auto; padding-top: 20px; }
.split-layout { display: grid; grid-template-columns: 1.08fr .92fr; gap: 68px; align-items: center; }
.feature-list { display: grid; gap: 18px; margin: 28px 0; }
.feature-list div { display: grid; grid-template-columns: 140px 1fr; gap: 18px; padding-bottom: 18px; border-bottom: 1px solid var(--line); }
.feature-list span { color: var(--muted); }
.text-link { font-weight: 800; text-decoration: none; }
.summary-card { background: var(--ink); color: #fff; border-radius: 24px; padding: 34px; box-shadow: var(--shadow); }
.summary-card-header { display: flex; justify-content: space-between; align-items: center; color: #dbe8e1; font-size: .9rem; }
.status-pill { padding: 5px 9px; border-radius: 999px; background: rgba(255,255,255,.1); }
.summary-amount { font-size: 3.8rem; font-weight: 850; line-height: 1.1; margin: 30px 0; }
.summary-amount small { font-size: .95rem; color: #c2d4ca; font-weight: 650; }
.progress-label { display: flex; justify-content: space-between; margin: 20px 0 8px; font-size: .9rem; }
.progress { height: 9px; background: rgba(31,107,70,.14); border-radius: 999px; overflow: hidden; }
.summary-card .progress { background: rgba(255,255,255,.12); }
.progress span { display: block; height: 100%; background: var(--brand); border-radius: inherit; }
.summary-card .progress span { background: #80c49c; }
.fine-print { color: #aebfb6; font-size: .78rem; line-height: 1.5; margin: 24px 0 0; }
.principles { display: grid; grid-template-columns: .72fr 1.28fr; gap: 70px; }
.principles-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px 34px; }
.principles-grid div { border-top: 2px solid var(--brand-pale); padding-top: 18px; }
.principles-grid p { color: var(--muted); margin-bottom: 0; }
.cta-section { padding-top: 36px; }
.cta-panel { background: var(--brand); color: #fff; border-radius: 26px; padding: 50px; display: flex; justify-content: space-between; align-items: center; gap: 36px; }
.cta-panel .eyebrow { color: #cdebd9; }
.cta-panel h2 { max-width: 760px; margin-bottom: 10px; }
.cta-panel p { color: #d9eee2; margin-bottom: 0; }
.page-hero { padding: 78px 0; }
.page-hero.compact { padding: 60px 0; }
.page-hero h1 { font-size: clamp(2.7rem, 5vw, 4.5rem); }
.content-layout { display: grid; grid-template-columns: 230px 1fr; gap: 60px; align-items: start; }
.content-nav { position: sticky; top: 110px; display: flex; flex-direction: column; gap: 11px; border-left: 2px solid var(--line); padding-left: 20px; }
.content-nav a { color: var(--muted); text-decoration: none; }
.content-nav a:hover { color: var(--brand); }
.article-content { min-width: 0; }
.guide-section { scroll-margin-top: 110px; padding-bottom: 60px; margin-bottom: 60px; border-bottom: 1px solid var(--line); }
.guide-section h2 { font-size: clamp(1.9rem, 3vw, 2.75rem); }
.guide-section h3 { margin-top: 34px; }
.guide-section p, .guide-section li { color: #3d4c44; }
.callout-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 14px; margin: 28px 0; }
.callout-grid div { padding: 20px; border: 1px solid var(--line); border-radius: 14px; background: var(--soft); }
.callout-grid p { margin: 8px 0 0; font-size: .92rem; }
.notice { border-left: 4px solid var(--brand); background: var(--accent-soft); padding: 20px 22px; border-radius: 0 12px 12px 0; margin: 26px 0; }
.notice p { margin: 7px 0 0; }
.comparison-table { border: 1px solid var(--line); border-radius: 14px; overflow: hidden; margin: 26px 0; }
.comparison-row { display: grid; grid-template-columns: .8fr 1.25fr 1.25fr; }
.comparison-row > div { padding: 16px; border-right: 1px solid var(--line); border-top: 1px solid var(--line); }
.comparison-row > div:last-child { border-right: 0; }
.comparison-row.header { background: var(--soft); font-weight: 750; }
.comparison-row.header > div { border-top: 0; }
blockquote { margin: 24px 0; padding: 22px 26px; border-left: 4px solid var(--brand); background: var(--soft); font-size: 1.08rem; }
.article-disclaimer { background: #fff8ee; border: 1px solid #ecd3b8; color: #563619; border-radius: 14px; padding: 22px; }
.values-card h3 { margin-bottom: 22px; }
.check-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.check-list li { position: relative; padding-left: 28px; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--brand); font-weight: 900; }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; }
.legal-content { max-width: 820px; }
.legal-content h2 { font-size: 1.65rem; margin-top: 42px; margin-bottom: 12px; }
.legal-content h3 { margin-top: 26px; }
.legal-content p, .legal-content li { color: #3d4c44; }
.legal-content code { background: var(--soft); padding: 2px 6px; border-radius: 5px; }
.planner-section { background: linear-gradient(180deg, #fff, #f7faf8); }
.planner-layout { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(320px, .8fr); gap: 28px; align-items: start; }
.planner-form { padding: 0; overflow: hidden; }
.planner-toolbar { padding: 26px 28px; background: var(--soft); border-bottom: 1px solid var(--line); display: flex; justify-content: space-between; align-items: center; gap: 20px; }
.planner-toolbar h2 { font-size: 1.65rem; margin-bottom: 5px; }
.planner-toolbar p { color: var(--muted); margin-bottom: 0; font-size: .9rem; }
.planner-group { padding: 28px; border-bottom: 1px solid var(--line); }
.planner-group:last-child { border-bottom: 0; }
.planner-group-heading { display: flex; align-items: baseline; justify-content: space-between; gap: 20px; margin-bottom: 18px; }
.planner-group-heading h3 { margin-bottom: 0; }
.planner-group-heading span { color: var(--muted); font-size: .83rem; }
.money-field { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 10px 0; }
.input-wrap { display: flex; align-items: center; width: 165px; border: 1px solid var(--line); border-radius: 10px; background: #fff; overflow: hidden; }
.currency-symbol { padding-left: 13px; color: var(--muted); }
.input-wrap input { width: 100%; border: 0; outline: 0; padding: 10px 12px 10px 6px; text-align: right; color: var(--ink); background: transparent; }
.input-wrap:focus-within { border-color: var(--brand); box-shadow: 0 0 0 3px rgba(31,107,70,.1); }
.sticky-card { position: sticky; top: 104px; box-shadow: var(--shadow); }
.result-balance { font-size: 3.25rem; line-height: 1; font-weight: 850; letter-spacing: -.04em; margin-top: 10px; }
.result-balance.negative { color: var(--danger); }
.result-label { color: var(--muted); margin: 8px 0 24px; }
.result-list { margin: 0 0 24px; }
.result-list div { display: flex; justify-content: space-between; gap: 20px; border-top: 1px solid var(--line); padding: 13px 0; }
.result-list dt { color: var(--muted); }
.result-list dd { margin: 0; font-weight: 750; }
.mini-chart { margin: 26px 0; }
.chart-row { margin-bottom: 16px; }
.chart-row > div:first-child { display: flex; justify-content: space-between; font-size: .88rem; margin-bottom: 7px; }
.insight-box { background: var(--soft); border-radius: 12px; padding: 16px; margin-bottom: 20px; color: #3d4c44; font-size: .92rem; }
.privacy-note { margin-top: 20px; padding: 0 10px; color: var(--muted); font-size: .86rem; }
.privacy-note p { margin-top: 4px; }
.site-footer { background: #13251c; color: #d9e5de; padding: 68px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr .75fr .75fr; gap: 60px; }
.footer-grid > div:first-child p { max-width: 440px; color: #aebfb6; }
.footer-grid a { display: block; color: #c8d8cf; text-decoration: none; margin: 10px 0; }
.footer-grid a:hover { color: #fff; }
.footer-title { color: #fff; font-size: .93rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 18px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; border-top: 1px solid rgba(255,255,255,.12); margin-top: 50px; padding-top: 22px; color: #9fb2a8; font-size: .82rem; }
.cookie-banner { position: fixed; z-index: 200; left: 20px; right: 20px; bottom: 20px; max-width: 860px; margin: auto; background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow); border-radius: 16px; padding: 20px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.cookie-banner[hidden] { display: none; }
.cookie-banner p { margin: 4px 0 0; color: var(--muted); font-size: .88rem; }
.cookie-actions { display: flex; align-items: center; gap: 16px; flex: 0 0 auto; }
.error-page { min-height: 100vh; display: grid; place-items: center; text-align: center; padding: 50px 0; }
.error-page img { margin: 0 auto 40px; }
.error-code { font-size: 7rem; font-weight: 900; color: var(--brand-pale); line-height: 1; }
.error-page h1 { font-size: 2.4rem; margin-top: -10px; }
@media (max-width: 900px) {
  .section { padding: 70px 0; }
  .nav-toggle { display: block; }
  .site-nav { position: absolute; top: 76px; left: 20px; right: 20px; display: none; flex-direction: column; align-items: stretch; gap: 0; padding: 16px; background: #fff; border: 1px solid var(--line); border-radius: 14px; box-shadow: var(--shadow); }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 12px; }
  .site-nav .button { margin-top: 8px; }
  .hero-grid, .split-layout, .principles, .content-layout, .planner-layout { grid-template-columns: 1fr; }
  .hero-visual { max-width: 620px; margin-inline: auto; }
  .card-grid.three { grid-template-columns: 1fr 1fr; }
  .content-nav { position: static; flex-direction: row; flex-wrap: wrap; border-left: 0; border-bottom: 1px solid var(--line); padding: 0 0 18px; }
  .sticky-card { position: static; }
  .footer-grid { grid-template-columns: 1.5fr 1fr 1fr; gap: 30px; }
}
@media (max-width: 640px) {
  .container { width: min(calc(100% - 28px), var(--container)); }
  .section { padding: 56px 0; }
  .hero { padding: 56px 0 70px; }
  h1 { font-size: 2.7rem; }
  h2 { font-size: 2rem; }
  .card-grid.three, .principles-grid, .contact-grid, .callout-grid { grid-template-columns: 1fr; }
  .heading-row, .cta-panel, .cookie-banner, .footer-bottom { align-items: flex-start; flex-direction: column; }
  .cta-panel { padding: 34px 26px; }
  .feature-list div { grid-template-columns: 1fr; gap: 4px; }
  .comparison-row { grid-template-columns: 1fr; }
  .comparison-row.header { display: none; }
  .comparison-row > div { border-right: 0; }
  .money-field { align-items: flex-start; flex-direction: column; gap: 7px; }
  .input-wrap { width: 100%; }
  .planner-group-heading { align-items: flex-start; flex-direction: column; gap: 4px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
  .cookie-actions { width: 100%; justify-content: space-between; }
}
@media print {
  .site-header, .site-footer, .page-hero, .planner-form, .privacy-note, .button { display: none !important; }
  .section { padding: 0; }
  .planner-layout { display: block; }
  .planner-results { max-width: 650px; margin: 30px auto; }
  .sticky-card { box-shadow: none; border: 1px solid #aaa; }
}