:root {
  --bg: #f7f8f5;
  --surface: #ffffff;
  --ink: #17211b;
  --muted: #637064;
  --line: #dfe4dc;
  --accent: #176b52;
  --accent-dark: #0e4d3b;
  --gold: #b8860b;
  --danger: #8f3f32;
  --shadow: 0 18px 50px rgba(23, 33, 27, 0.08);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.5;
}

a {
  color: inherit;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 5;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 14px clamp(18px, 4vw, 48px);
  border-bottom: 1px solid var(--line);
  background: rgba(247, 248, 245, 0.94);
  backdrop-filter: blur(12px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 750;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  width: 32px;
  height: 32px;
  place-items: center;
  border-radius: 7px;
  background: var(--accent);
  color: #fff;
}

.nav {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  color: var(--muted);
  font-size: 14px;
}

.nav a {
  text-decoration: none;
}

main {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(280px, 0.8fr);
  gap: 36px;
  align-items: end;
  padding: 46px 0 28px;
}

.eyebrow {
  margin: 0 0 8px;
  color: var(--accent-dark);
  font-size: 13px;
  font-weight: 750;
  text-transform: uppercase;
}

h1,
h2 {
  margin: 0;
  line-height: 1.08;
}

h1 {
  max-width: 760px;
  font-size: clamp(38px, 6vw, 68px);
  letter-spacing: 0;
}

.page-copy h1 {
  font-size: clamp(34px, 5vw, 54px);
}

h2 {
  font-size: 22px;
}

.lede {
  max-width: 680px;
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 18px;
}

.hero-metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}

.hero-metrics div,
.panel,
.content-block {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
}

.hero-metrics div {
  padding: 14px;
}

.hero-metrics strong,
.hero-metrics span {
  display: block;
}

.hero-metrics span {
  margin-top: 2px;
  color: var(--muted);
  font-size: 13px;
}

.directory-hero {
  align-items: center;
  padding-bottom: 34px;
}

.directory-section {
  padding: 18px 0 30px;
}

.directory-section .section-heading {
  margin-bottom: 14px;
}

.directory-section .section-heading h2 {
  margin-top: 2px;
}

.tool-directory {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) repeat(2, minmax(0, 0.95fr));
  gap: 14px;
}

.compact-directory {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.tool-card {
  display: grid;
  gap: 12px;
  min-height: 210px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: var(--shadow);
  text-decoration: none;
}

.tool-card span {
  color: var(--accent-dark);
  font-size: 13px;
  font-weight: 750;
  text-transform: uppercase;
}

.tool-card strong {
  max-width: 520px;
  font-size: 22px;
  line-height: 1.16;
}

.tool-card p {
  margin: 0;
  color: var(--muted);
}

.featured-tool {
  background: #edf6f2;
}

.muted-tool {
  background: #fbfcfa;
  color: var(--muted);
}

.tool-layout {
  display: grid;
  grid-template-columns: minmax(320px, 0.9fr) minmax(360px, 1.1fr);
  gap: 18px;
  align-items: start;
}

.panel {
  padding: 22px;
  box-shadow: var(--shadow);
}

.panel-heading,
.section-heading {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 18px;
}

.text-button {
  min-height: 36px;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: #fff;
  color: var(--accent-dark);
  font-weight: 700;
  cursor: pointer;
}

label {
  display: grid;
  gap: 7px;
  margin-bottom: 14px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 700;
}

input,
select {
  width: 100%;
  min-height: 44px;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: #fbfcfa;
  color: var(--ink);
  font: inherit;
  padding: 9px 11px;
}

input:focus,
select:focus,
.text-button:focus {
  outline: 3px solid rgba(23, 107, 82, 0.18);
  border-color: var(--accent);
}

.split {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.custom-payments {
  margin-top: 4px;
  padding-top: 12px;
  border-top: 1px solid var(--line);
}

.compact-heading {
  margin-bottom: 12px;
}

.compact-heading h2 {
  font-size: 17px;
}

.results {
  position: sticky;
  top: 82px;
}

.result-main {
  padding: 20px;
  border-radius: 8px;
  background: #edf6f2;
}

.result-main span,
.summary-grid span,
.breakdown span {
  display: block;
  color: var(--muted);
  font-size: 13px;
}

.result-main strong {
  display: block;
  margin-top: 5px;
  font-size: 44px;
  line-height: 1;
}

.breakdown {
  display: grid;
  gap: 10px;
  margin-top: 16px;
}

.breakdown div,
.summary-grid div {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid var(--line);
}

.summary-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0 18px;
  margin-top: 12px;
}

.summary-grid div {
  align-items: flex-start;
  flex-direction: column;
}

.insight {
  margin-top: 18px;
  padding: 14px;
  border-left: 4px solid var(--gold);
  background: #fff9e9;
  color: #4e3a11;
  font-weight: 650;
}

.content-grid {
  display: grid;
  gap: 18px;
  padding: 18px 0 48px;
}

.analytics-layout {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  padding: 18px 0 0;
}

.scenario-block {
  grid-column: 1 / -1;
}

.section-note {
  color: var(--muted);
  font-size: 13px;
  font-weight: 650;
  text-align: right;
}

.scenario-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.scenario-card {
  display: grid;
  gap: 14px;
  min-width: 0;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfcfa;
}

.scenario-card h3 {
  margin: 0;
  font-size: 17px;
  line-height: 1.2;
}

.scenario-card span,
.scenario-card dt {
  color: var(--muted);
  font-size: 13px;
}

.scenario-card > strong {
  font-size: 28px;
  line-height: 1.05;
}

.scenario-card dl {
  display: grid;
  gap: 8px;
  margin: 0;
}

.scenario-card dl div {
  display: grid;
  gap: 2px;
}

.scenario-card dd {
  margin: 0;
  font-weight: 750;
}

.chart-block {
  min-width: 0;
}

.stacked-bar {
  display: flex;
  height: 34px;
  overflow: hidden;
  margin-top: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #edf1ed;
}

.stacked-bar span {
  min-width: 2px;
}

.chart-legend {
  display: grid;
  gap: 10px;
  margin-top: 16px;
}

.chart-legend div {
  display: grid;
  grid-template-columns: 14px minmax(0, 1fr) auto;
  gap: 9px;
  align-items: center;
}

.legend-swatch {
  width: 12px;
  height: 12px;
  border-radius: 3px;
}

.chart-legend span {
  color: var(--muted);
}

.balance-chart {
  display: grid;
  gap: 12px;
  margin-top: 18px;
}

.balance-row {
  display: grid;
  grid-template-columns: 64px minmax(0, 1fr) 92px;
  gap: 10px;
  align-items: center;
  font-size: 13px;
}

.balance-row > span {
  color: var(--muted);
  font-weight: 700;
}

.balance-row > div {
  height: 12px;
  overflow: hidden;
  border-radius: 999px;
  background: #edf1ed;
}

.balance-row > div span {
  display: block;
  height: 100%;
  border-radius: inherit;
  background: var(--accent);
}

.balance-row.negative > div span {
  background: var(--danger);
}

.balance-row.positive > div span {
  background: var(--accent);
}

.balance-row strong {
  text-align: right;
}

.content-block {
  padding: 22px;
}

.content-block p {
  max-width: 860px;
  color: var(--muted);
}

.step-list {
  display: grid;
  gap: 10px;
  max-width: 880px;
  margin: 14px 0 0;
  padding-left: 22px;
  color: var(--muted);
}

.faq-list {
  display: grid;
  gap: 10px;
  margin-top: 16px;
}

.faq-list details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfcfa;
}

.faq-list summary {
  cursor: pointer;
  padding: 14px 16px;
  font-weight: 750;
}

.faq-list p {
  margin: 0;
  padding: 0 16px 16px;
}

.table-wrap {
  overflow-x: auto;
}

table {
  width: 100%;
  border-collapse: collapse;
  min-width: 620px;
}

th,
td {
  padding: 12px 10px;
  border-bottom: 1px solid var(--line);
  text-align: right;
}

th:first-child,
td:first-child {
  text-align: left;
}

th {
  color: var(--muted);
  font-size: 13px;
}

.related-list {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.related-list a {
  min-height: 72px;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  text-decoration: none;
  font-weight: 750;
}

.site-footer {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 22px clamp(18px, 4vw, 48px);
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 14px;
}

@media (max-width: 860px) {
  .site-header,
  .site-footer {
    align-items: flex-start;
    flex-direction: column;
  }

  .hero,
  .tool-layout,
  .analytics-layout,
  .tool-directory,
  .compact-directory {
    grid-template-columns: 1fr;
  }

  .results {
    position: static;
  }

  .related-list {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

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

  .section-heading {
    align-items: flex-start;
    flex-direction: column;
  }

  .section-note {
    text-align: left;
  }
}

@media (max-width: 560px) {
  main {
    width: min(100% - 22px, 1180px);
  }

  .hero-metrics,
  .split,
  .summary-grid,
  .related-list {
    grid-template-columns: 1fr;
  }

  .result-main strong {
    font-size: 36px;
  }

  .balance-row {
    grid-template-columns: 54px minmax(0, 1fr);
  }

  .balance-row strong {
    grid-column: 2;
    text-align: left;
  }
}