:root{
  color-scheme:light;
  --ink:#172126;--ink-soft:#53636b;--ink-faint:#7d8a90;
  --page:#f3f6f7;--surface:#fff;--line:#dbe3e6;--line-soft:#eaf0f2;
  --accent:#1d4ed8;--accent-deep:#1e40af;--accent-light:#e3ebfb;
  --positive:#247044;--warning:#8b5b00;--danger:#a33232;
  --shadow:0 18px 45px rgba(29,52,61,.09);--radius:22px;
  font-family:Inter,-apple-system,BlinkMacSystemFont,"SF Pro Text","Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--page);color:var(--ink);font-size:15px;line-height:1.5;-webkit-font-smoothing:antialiased}
button,input,select{font:inherit}
button{color:inherit}
.topbar{position:sticky;top:0;z-index:40;height:70px;padding:0 max(24px,env(safe-area-inset-left));display:flex;align-items:center;justify-content:space-between;gap:20px;background:rgba(243,246,247,.88);border-bottom:1px solid rgba(206,218,222,.78);backdrop-filter:saturate(160%) blur(20px)}
.brand{display:flex;align-items:center;gap:11px;color:inherit;text-decoration:none;min-width:0}
.brand-mark{display:grid;place-items:center;width:38px;height:38px;border-radius:11px;color:#fff;background:linear-gradient(145deg,#172126,#3b5058);font-size:11px;font-weight:800;letter-spacing:.08em;box-shadow:0 7px 18px rgba(23,33,38,.17)}
.brand strong,.brand small{display:block}.brand strong{font-size:14px;letter-spacing:-.01em}.brand small{font-size:11px;color:var(--ink-faint);margin-top:-1px}
.top-actions{display:flex;align-items:center;gap:10px}
.privacy-pill{display:inline-flex;align-items:center;gap:7px;color:var(--ink-soft);font-size:12px;font-weight:650}.privacy-pill i{width:7px;height:7px;border-radius:50%;background:#2db36d;box-shadow:0 0 0 4px rgba(45,179,109,.12)}
.button{appearance:none;border:0;border-radius:999px;padding:10px 17px;background:var(--accent);color:#fff;font-weight:700;font-size:13px;cursor:pointer;box-shadow:0 8px 20px rgba(29,78,216,.18);transition:transform .18s ease,background .18s ease,box-shadow .18s ease}
.button:hover{transform:translateY(-1px);background:var(--accent-deep);box-shadow:0 11px 25px rgba(29,78,216,.22)}
.button.ghost{background:#fff;color:var(--ink);border:1px solid var(--line);box-shadow:none}.button.ghost:hover{background:#f9fbfb}
main{max-width:1480px;margin:0 auto;padding:0 max(24px,env(safe-area-inset-left)) 70px}
.hero{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(280px,.55fr);align-items:end;gap:clamp(30px,7vw,100px);padding:clamp(48px,8vw,96px) 0 clamp(38px,5vw,64px)}
.eyebrow{margin:0 0 8px;text-transform:uppercase;letter-spacing:.09em;font-size:10.5px;font-weight:800;color:var(--accent)}
.hero h1{max-width:850px;margin:0;font-size:clamp(38px,5.6vw,70px);font-weight:700;letter-spacing:-.052em;line-height:.98}
.hero-copy{max-width:780px;margin:24px 0 0;color:var(--ink-soft);font-size:clamp(16px,1.6vw,19px);line-height:1.55}
.hero-note{display:flex;align-items:flex-start;gap:12px;padding:18px;border:1px solid var(--line);background:rgba(255,255,255,.62);border-radius:17px;box-shadow:0 12px 35px rgba(29,52,61,.05)}
.hero-note .shield{display:grid;place-items:center;flex:0 0 auto;width:30px;height:30px;border-radius:10px;background:var(--accent-light);color:var(--accent);font-weight:900}
.hero-note p{margin:1px 0 0;color:var(--ink-soft);font-size:12.5px;line-height:1.5}.hero-note strong{color:var(--ink)}
.planner-shell{display:grid;grid-template-columns:minmax(0,.95fr) minmax(440px,1.05fr);gap:24px;align-items:start}
.form-column,.results-column{display:flex;flex-direction:column;gap:20px;min-width:0;width:100%}
.form-column{position:sticky;top:90px}
.panel,.results-card{min-width:0;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.results-card,.messages,.disclaimer{flex:0 0 auto}
.panel{padding:clamp(22px,3vw,34px)}
.section-head{display:flex;gap:15px;align-items:flex-start;padding-bottom:23px;border-bottom:1px solid var(--line-soft)}
.section-head .step{display:grid;place-items:center;flex:0 0 auto;width:36px;height:36px;border-radius:12px;background:var(--accent-light);color:var(--accent);font-size:11px;font-weight:850;letter-spacing:.05em}
.section-head h2,.card-head h2{margin:0;font-size:22px;letter-spacing:-.03em}.section-head p{margin:3px 0 0;color:var(--ink-soft);font-size:13px}
.subsection{padding-top:25px}
.field-grid{display:grid;gap:15px}.field-grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.field.wide{grid-column:span 2}
.field{display:block;min-width:0}.field>span{display:block;margin:0 0 7px;color:var(--ink-soft);font-size:11.5px;font-weight:700}
.field input,.field .readonly{width:100%;height:45px;padding:0 13px;background:#fbfcfc;color:var(--ink);border:1px solid #d7e0e3;border-radius:11px;outline:0;transition:border-color .18s ease,box-shadow .18s ease,background .18s ease}
.field .readonly{display:flex;align-items:center;justify-content:flex-end;color:var(--ink-soft);background:#f2f5f6;font-variant-numeric:tabular-nums;font-weight:650}
.field input:focus{background:#fff;border-color:var(--accent);box-shadow:0 0 0 4px rgba(29,78,216,.1)}
.field input::placeholder{color:#a2adb2}.money,.percent{position:relative}.money b,.percent b{position:absolute;top:50%;transform:translateY(-50%);color:var(--ink-faint);font-size:12px;pointer-events:none}.money b{left:13px}.percent b{right:13px}.money input{padding-left:27px;text-align:right;font-variant-numeric:tabular-nums}.percent input{padding-right:27px;text-align:right;font-variant-numeric:tabular-nums}
.field.feature{padding:15px;background:#f6f8fc;border:1px solid var(--line-soft);border-radius:15px}.field.feature input{font-size:19px;font-weight:750;background:#fff;height:52px}
.quick-picks{display:flex;gap:6px;margin-top:8px;flex-wrap:wrap}.quick-picks button{appearance:none;border:1px solid var(--line);background:#fff;border-radius:999px;padding:5px 11px;font-size:11px;font-weight:700;color:var(--ink-soft);cursor:pointer;transition:all .15s ease}.quick-picks button:hover{border-color:var(--accent);color:var(--accent)}.quick-picks button.is-active{background:var(--accent);border-color:var(--accent);color:#fff}
.form-actions{display:flex;justify-content:flex-end;gap:10px;padding:2px 3px 5px}
.text-button{appearance:none;border:0;background:none;color:var(--accent);padding:0;font-size:11.5px;font-weight:750;cursor:pointer}
.panel.notes{padding:20px 24px;background:#fbfcfd}.panel.notes h3{margin:0 0 9px;font-size:12px;letter-spacing:.02em;text-transform:uppercase;color:var(--ink-faint)}.panel.notes ul{margin:0;padding-left:18px;color:var(--ink-soft);font-size:12px;line-height:1.55}.panel.notes li+li{margin-top:5px}.panel.notes strong{color:var(--ink)}
.results-card{padding:22px}.summary-card{position:relative;overflow:hidden;background:linear-gradient(150deg,#12203a 0%,#172c52 58%,#1d4ed8 100%);border-color:transparent;color:#fff;box-shadow:0 22px 50px rgba(18,32,58,.22)}.summary-card::after{content:"";position:absolute;width:300px;height:300px;border-radius:50%;right:-160px;top:-180px;background:rgba(140,180,255,.12);border:1px solid rgba(255,255,255,.08)}
.result-kicker{position:relative;z-index:1;display:flex;align-items:center;justify-content:space-between}.result-kicker span{font-size:10px;text-transform:uppercase;letter-spacing:.1em;font-weight:850;color:#9fc0ff}.result-kicker i{font-style:normal;font-size:9.5px;color:rgba(255,255,255,.7);border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:4px 8px}
.primary-result{position:relative;z-index:1;margin-top:22px}.primary-result small{font-size:12px;color:rgba(255,255,255,.66)}.primary-result strong{display:block;font-size:clamp(36px,5vw,54px);letter-spacing:-.045em;line-height:1.06;margin-top:3px;font-variant-numeric:tabular-nums}.primary-result p{margin:5px 0 0;color:rgba(255,255,255,.58);font-size:11px}
.result-grid{position:relative;z-index:1;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;margin-top:23px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.1);border-radius:14px;overflow:hidden}.result-grid>div{padding:13px;background:rgba(255,255,255,.04)}.result-grid small,.result-grid strong,.result-grid em{display:block}.result-grid small{color:rgba(255,255,255,.55);font-size:9.5px}.result-grid strong{font-size:16px;margin-top:2px;font-variant-numeric:tabular-nums}.result-grid em{font-style:normal;color:rgba(255,255,255,.43);font-size:8.5px}
.split-bar{position:relative;z-index:1;height:6px;margin-top:18px;background:rgba(255,255,255,.18);border-radius:999px;overflow:hidden}.split-bar span{display:block;height:100%;width:0;background:#9fc0ff;border-radius:inherit;transition:width .35s ease}.split-caption{position:relative;z-index:1;margin:7px 0 0;color:rgba(255,255,255,.55);font-size:9.5px}
.messages{padding:14px 16px;border-radius:15px;border:1px solid #ead8ad;background:#fff9ec;color:#745117;font-size:11px}.messages strong{display:block;color:#5c3d00;margin-bottom:4px}.messages ul{margin:0;padding-left:17px}.messages.error{border-color:#eccaca;background:#fff4f4;color:#8d3434}
.card-head{display:flex;align-items:flex-start;justify-content:space-between;gap:15px;margin-bottom:16px}.card-head h2{font-size:19px}.chip{display:inline-flex;align-items:center;padding:5px 9px;border-radius:999px;background:#eef3f5;color:#52636a;font-size:9px;font-weight:800;letter-spacing:.03em;white-space:nowrap}.chip.accent{background:var(--accent-light);color:var(--accent)}.chip.ok{background:#e3f4ea;color:var(--positive)}.chip.warn{background:#fff1d6;color:var(--warning)}
.rows{margin:0}.rows>div{display:flex;justify-content:space-between;align-items:baseline;gap:20px;padding:9px 0;border-top:1px solid var(--line-soft)}.rows>div:first-child{border-top:0}.rows dt{color:var(--ink-soft);font-size:11.5px}.rows dd{margin:0;text-align:right;font-weight:750;font-size:12.5px;font-variant-numeric:tabular-nums;white-space:nowrap}.rows dd small{display:block;color:var(--ink-faint);font-weight:500;font-size:9px;white-space:normal}
.rows>div.total{margin-top:4px;padding-top:12px;border-top:1px solid var(--line)}.rows>div.total dt{color:var(--ink);font-weight:750}.rows>div.total dd{font-size:15px;color:var(--accent)}
.pair{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.handover pre{margin:0;padding:14px 16px;background:#f5f7f8;border:1px solid var(--line-soft);border-radius:13px;font:12px/1.55 ui-monospace,SFMono-Regular,Menlo,monospace;color:var(--ink);white-space:pre;overflow-x:auto}
.disclaimer{margin:0 10px 8px;color:var(--ink-faint);font-size:9.5px;line-height:1.5;text-align:center}
footer{display:flex;align-items:center;justify-content:space-between;gap:20px;max-width:1480px;margin:0 auto;padding:25px max(24px,env(safe-area-inset-left)) calc(28px + env(safe-area-inset-bottom));border-top:1px solid var(--line);color:var(--ink-faint);font-size:10px}footer span:first-child{color:var(--ink);font-weight:750}
@media(max-width:1120px){.planner-shell{grid-template-columns:1fr}.form-column{position:static}}
@media(max-width:800px){.hero{grid-template-columns:1fr;gap:23px}.hero-note{max-width:520px}.topbar{height:64px}.privacy-pill{display:none}.planner-shell{gap:18px}.panel,.results-card{border-radius:18px}.pair{grid-template-columns:1fr}}
@media(max-width:600px){main{padding-left:16px;padding-right:16px}.topbar{padding:0 16px}.brand small{display:none}.brand strong{white-space:nowrap}#copySummary{display:none}.top-actions .button{padding:9px 12px}.hero{padding:38px 0 30px}.hero h1{font-size:39px}.hero-copy{font-size:15px;margin-top:18px}.field-grid.two{grid-template-columns:1fr}.field.wide{grid-column:auto}.field input{font-size:16px}.panel{padding:20px 17px}.section-head h2{font-size:20px}.form-actions{justify-content:stretch}.form-actions .button{flex:1;min-width:0}.results-card{padding:18px}footer{flex-direction:column;align-items:flex-start;padding-left:16px;padding-right:16px}.rows>div{flex-direction:column;gap:2px}.rows dd{text-align:left}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media print{
  body{background:#fff;font-size:11px}.topbar,.hero,.form-column,.disclaimer,footer,.text-button{display:none!important}main{max-width:none;padding:0}.planner-shell{display:block}.results-column{display:grid;grid-template-columns:1fr 1fr;gap:12px}.summary-card,.messages,.handover{grid-column:1/-1}.summary-card{-webkit-print-color-adjust:exact;print-color-adjust:exact}.results-card{box-shadow:none;break-inside:avoid}.pair{display:contents}
}