/* =========================================================
   UIFCalculator — Clean Professional Financial Design System
   ========================================================= */

:root{
  --paper:#FBFAF6;
  --paper-2:#F4F1E9;
  --card:#FFFFFF;
  --ink:#16231E;
  --ink-soft:#475852;
  --ink-faint:#7C8A84;
  --line:#E7E2D6;
  --line-soft:#EFEBE1;
  --brand:#0B6E4F;       /* emerald */
  --brand-dark:#075138;
  --brand-tint:#E6F1EC;
  --gold:#C6912E;        /* warm accent */
  --gold-tint:#F7EEDB;
  --danger:#B3402E;
  --radius:16px;
  --radius-sm:10px;
  --shadow-sm:0 1px 2px rgba(22,35,30,.05), 0 2px 8px rgba(22,35,30,.04);
  --shadow:0 8px 30px rgba(22,35,30,.08), 0 2px 8px rgba(22,35,30,.05);
  --shadow-lg:0 24px 60px rgba(7,81,56,.14);
  --maxw:1120px;
  --font-display:"Fraunces", Georgia, serif;
  --font-body:"Hanken Grotesk", -apple-system, BlinkMacSystemFont, sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--paper);
  line-height:1.65;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:var(--brand-dark);text-decoration:none}
a:hover{text-decoration:underline}

.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 22px}

/* ---------- Typography ---------- */
h1,h2,h3,h4{font-family:var(--font-display);font-weight:600;line-height:1.15;color:var(--ink);letter-spacing:-.01em;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,4.6vw,3.3rem);font-weight:600}
h2{font-size:clamp(1.55rem,3vw,2.2rem);margin-top:0}
h3{font-size:1.28rem}
h4{font-size:1.08rem;font-family:var(--font-body);font-weight:700}
p{margin:0 0 1.05em}
.lead{font-size:1.18rem;color:var(--ink-soft)}
.eyebrow{font-family:var(--font-body);text-transform:uppercase;letter-spacing:.16em;font-size:.74rem;font-weight:700;color:var(--brand);margin-bottom:14px}
.muted{color:var(--ink-faint)}
strong{font-weight:700}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(251,250,246,.86);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:11px;font-family:var(--font-display);font-weight:600;font-size:1.28rem;color:var(--ink)}
.brand:hover{text-decoration:none}
.brand .mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--brand),var(--brand-dark));display:grid;place-items:center;color:#fff;font-weight:700;font-size:.95rem;font-family:var(--font-body);box-shadow:var(--shadow-sm)}
.brand .word{display:inline}
.brand .za{color:var(--gold)}
.nav-links{display:flex;align-items:center;gap:28px;list-style:none;margin:0;padding:0}
.nav-links a{font-size:.97rem;font-weight:600;color:var(--ink-soft)}
.nav-links a:hover{color:var(--brand-dark);text-decoration:none}
.nav-cta{background:var(--brand);color:#fff!important;padding:9px 18px;border-radius:999px;font-size:.92rem;box-shadow:var(--shadow-sm)}
.nav-cta:hover{background:var(--brand-dark);text-decoration:none}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:9px;padding:8px 11px;cursor:pointer;font-size:1.1rem}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--font-body);font-weight:700;font-size:1rem;padding:14px 26px;border-radius:999px;border:0;cursor:pointer;transition:.18s;text-decoration:none}
.btn-primary{background:var(--brand);color:#fff;box-shadow:var(--shadow-sm)}
.btn-primary:hover{background:var(--brand-dark);transform:translateY(-1px);text-decoration:none}
.btn-ghost{background:transparent;color:var(--brand-dark);border:1.5px solid var(--line)}
.btn-ghost:hover{border-color:var(--brand);background:var(--brand-tint);text-decoration:none}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;padding:62px 0 26px}
.hero::before{content:"";position:absolute;inset:0;background:
   radial-gradient(900px 420px at 85% -10%,var(--brand-tint),transparent 60%),
   radial-gradient(600px 300px at -5% 10%,var(--gold-tint),transparent 55%);
   z-index:0}
.hero .container{position:relative;z-index:1}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:48px;align-items:start}
.badge-row{display:flex;flex-wrap:wrap;gap:9px;margin-bottom:20px}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--card);border:1px solid var(--line);border-radius:999px;padding:6px 13px;font-size:.82rem;font-weight:600;color:var(--ink-soft);box-shadow:var(--shadow-sm)}
.badge .dot{width:7px;height:7px;border-radius:50%;background:var(--brand)}
.hero h1{margin-bottom:18px}
.hero .lead{margin-bottom:26px;max-width:33ch}
.trust-line{display:flex;gap:22px;flex-wrap:wrap;margin-top:26px;padding-top:22px;border-top:1px solid var(--line)}
.trust-item{display:flex;flex-direction:column}
.trust-item b{font-family:var(--font-display);font-size:1.5rem;color:var(--brand-dark);line-height:1}
.trust-item span{font-size:.82rem;color:var(--ink-faint);margin-top:4px}

/* ---------- Calculator card ---------- */
.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-lg);overflow:hidden}
.calc-tabs{display:flex;background:var(--paper-2);border-bottom:1px solid var(--line);padding:6px;gap:4px}
.calc-tab{flex:1;padding:11px 8px;border:0;background:transparent;border-radius:10px;font-family:var(--font-body);font-weight:700;font-size:.9rem;color:var(--ink-soft);cursor:pointer;transition:.15s;line-height:1.2}
.calc-tab.active{background:var(--card);color:var(--brand-dark);box-shadow:var(--shadow-sm)}
.calc-body{padding:26px}
.calc-intro{font-size:.94rem;color:var(--ink-soft);margin-bottom:20px}
.field{margin-bottom:18px}
.field label{display:block;font-weight:700;font-size:.92rem;margin-bottom:7px}
.field .hint{font-size:.82rem;color:var(--ink-faint);margin-top:6px}
.input-wrap{position:relative;display:flex;align-items:center}
.input-wrap .prefix{position:absolute;left:15px;font-weight:700;color:var(--ink-faint)}
.input-wrap input,.field select{width:100%;padding:14px 15px;border:1.5px solid var(--line);border-radius:var(--radius-sm);font-family:var(--font-body);font-size:1.05rem;font-weight:600;color:var(--ink);background:var(--paper);transition:.15s;-moz-appearance:textfield}
.input-wrap.has-prefix input{padding-left:34px}
.input-wrap input:focus,.field select:focus{outline:0;border-color:var(--brand);background:#fff;box-shadow:0 0 0 4px var(--brand-tint)}
input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.calc .btn-primary{width:100%;justify-content:center;margin-top:4px}

/* results */
.results{margin-top:22px;border-top:1px dashed var(--line);padding-top:22px;display:none}
.results.show{display:block;animation:fade .35s ease}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.result-hero{background:linear-gradient(135deg,var(--brand),var(--brand-dark));color:#fff;border-radius:var(--radius-sm);padding:20px 22px;margin-bottom:16px}
.result-hero .rlabel{font-size:.82rem;opacity:.85;font-weight:600;letter-spacing:.03em}
.result-hero .rvalue{font-family:var(--font-display);font-size:2.5rem;font-weight:600;line-height:1.05;margin-top:4px;font-variant-numeric:tabular-nums}
.result-hero .rsub{font-size:.85rem;opacity:.9;margin-top:6px}
.rgrid{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.rcell{background:var(--paper-2);border-radius:var(--radius-sm);padding:14px}
.rcell .k{font-size:.8rem;color:var(--ink-faint);font-weight:600}
.rcell .v{font-family:var(--font-display);font-size:1.3rem;color:var(--ink);margin-top:3px;font-variant-numeric:tabular-nums}
.note{font-size:.82rem;color:var(--ink-faint);margin-top:14px;line-height:1.5}
.flag{background:var(--gold-tint);border:1px solid #EAD9AE;color:#7A5A12;border-radius:10px;padding:11px 13px;font-size:.85rem;margin-top:14px}

/* ---------- Sections ---------- */
section{padding:56px 0}
.section-head{max-width:660px;margin-bottom:34px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}

/* cards grid */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.info-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm);transition:.18s}
.info-card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.info-card .ic{width:42px;height:42px;border-radius:11px;background:var(--brand-tint);color:var(--brand-dark);display:grid;place-items:center;font-size:1.3rem;margin-bottom:14px}
.info-card h3{font-size:1.12rem;margin-bottom:7px}
.info-card p{font-size:.95rem;color:var(--ink-soft);margin:0}

/* facts strip */
.facts{background:var(--ink);color:#EAF0ED;border-radius:var(--radius);padding:34px;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.fact b{font-family:var(--font-display);font-size:2rem;color:#fff;display:block;line-height:1;font-variant-numeric:tabular-nums}
.fact span{font-size:.86rem;color:#A9B8B1;margin-top:7px;display:block}

/* content prose */
.prose{max-width:760px}
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.4em;color:var(--brand-dark)}
.prose ul,.prose ol{padding-left:1.25em;margin:0 0 1.1em}
.prose li{margin-bottom:.5em}
.prose table{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:.95rem}
.prose th,.prose td{border:1px solid var(--line);padding:11px 13px;text-align:left}
.prose th{background:var(--paper-2);font-weight:700}
.prose tr:nth-child(even) td{background:#FCFBF8}
.callout{background:var(--brand-tint);border-left:4px solid var(--brand);border-radius:10px;padding:16px 18px;margin:1.3em 0;font-size:.96rem}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.faq-item{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:11px;overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:18px 20px;font-family:var(--font-body);font-weight:700;font-size:1.02rem;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:14px}
.faq-q .chev{transition:.25s;color:var(--brand);flex:none;font-size:1.2rem}
.faq-item.open .chev{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;padding:0 20px}
.faq-item.open .faq-a{max-height:520px;padding-bottom:18px}
.faq-a p{font-size:.96rem;color:var(--ink-soft);margin:0}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--brand-dark),var(--brand));border-radius:var(--radius);padding:44px;text-align:center;color:#fff}
.cta-band h2{color:#fff}
.cta-band p{color:#DCEAE3;max-width:50ch;margin:0 auto 22px}
.cta-band .btn-primary{background:#fff;color:var(--brand-dark)}
.cta-band .btn-primary:hover{background:var(--gold-tint)}

/* ad slot */
.ad-slot{margin:34px auto;max-width:var(--maxw);padding:0 22px}
.ad-inner{background:var(--paper-2);border:1px dashed var(--line);border-radius:12px;min-height:110px;display:grid;place-items:center;color:var(--ink-faint);font-size:.8rem;letter-spacing:.05em}

/* breadcrumb + page header */
.page-head{padding:46px 0 8px}
.crumbs{font-size:.86rem;color:var(--ink-faint);margin-bottom:14px}
.crumbs a{color:var(--ink-soft)}

/* footer */
.site-footer{background:var(--ink);color:#C7D3CE;padding:54px 0 30px;margin-top:40px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px;margin-bottom:34px}
.site-footer .brand{color:#fff;margin-bottom:14px}
.foot-about{font-size:.9rem;color:#9DB0A9;max-width:34ch}
.foot-col h4{color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:14px}
.foot-col ul{list-style:none;padding:0;margin:0}
.foot-col li{margin-bottom:9px}
.foot-col a{color:#B9C7C1;font-size:.92rem}
.foot-col a:hover{color:#fff}
.foot-bottom{border-top:1px solid #2A3B34;padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.82rem;color:#8AA098}
.disclaimer-mini{font-size:.8rem;color:#7E948C;max-width:62ch;margin-top:10px}

/* utilities */
.center{text-align:center}
.mt0{margin-top:0}
.hide{display:none!important}

/* ---------- Responsive ---------- */
@media(max-width:880px){
  .hero-grid{grid-template-columns:1fr;gap:32px}
  .cards{grid-template-columns:1fr 1fr}
  .facts{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:680px){
  body{font-size:16px}
  .nav-links{position:fixed;inset:70px 0 auto 0;flex-direction:column;background:var(--paper);border-bottom:1px solid var(--line);padding:18px 22px;gap:6px;align-items:stretch;display:none;box-shadow:var(--shadow)}
  .nav-links.open{display:flex}
  .nav-links a{padding:11px 4px;border-bottom:1px solid var(--line-soft)}
  .nav-cta{text-align:center}
  .menu-btn{display:block}
  .cards,.facts,.foot-grid{grid-template-columns:1fr}
  .rgrid{grid-template-columns:1fr}
  .calc-body{padding:20px}
  section{padding:42px 0}
  .cta-band{padding:30px 20px}
}

/* ===== Author byline & E-E-A-T ===== */
.byline{display:flex;align-items:center;gap:13px;margin:0 0 26px;padding:14px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.byline-av{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--brand),var(--brand-dark));color:#fff;display:grid;place-items:center;font-family:var(--font-display);font-weight:700;font-size:1.1rem;flex:none}
.byline-av.lg{width:58px;height:58px;font-size:1.5rem}
.byline-name{font-weight:700;display:block;font-size:.98rem}
.byline-sub{font-size:.82rem;color:var(--ink-faint)}
.author-box{display:flex;gap:16px;align-items:flex-start;background:var(--paper-2);border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;margin:34px 0 0}
.author-box strong{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;color:var(--brand);margin-bottom:5px}
.author-box p{margin:0;font-size:.94rem;color:var(--ink-soft)}

/* ===== Article banner (original SVG, copyright-safe) ===== */
.article-banner{border-radius:var(--radius);overflow:hidden;margin:0 0 28px;box-shadow:var(--shadow-sm);background:var(--brand-tint)}
.article-banner svg{display:block;width:100%;height:auto}

/* ===== Guides hub ===== */
.hub-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.hub-card{display:block;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm);transition:.18s;color:var(--ink)}
.hub-card:hover{box-shadow:var(--shadow);transform:translateY(-2px);text-decoration:none;border-color:var(--brand)}
.hub-card .tag{font-size:.74rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand)}
.hub-card h3{margin:8px 0 7px;font-size:1.16rem}
.hub-card p{margin:0;font-size:.93rem;color:var(--ink-soft)}
.hub-card .read{margin-top:12px;font-size:.84rem;color:var(--ink-faint)}

/* ===== Contact form ===== */
.contact-form{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm);max-width:560px}
.contact-form .field textarea{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:var(--radius-sm);font-family:var(--font-body);font-size:1rem;background:var(--paper);resize:vertical;min-height:120px}
.contact-form .field input{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:var(--radius-sm);font-family:var(--font-body);font-size:1rem;background:var(--paper)}
.contact-form textarea:focus,.contact-form input:focus{outline:0;border-color:var(--brand);background:#fff;box-shadow:0 0 0 4px var(--brand-tint)}

@media(max-width:680px){.hub-grid{grid-template-columns:1fr}.author-box{flex-direction:column}}