:root{color-scheme:light;--bg:#ffffff;--fg:#111111;--muted:#5a5a5a;--card:#f7f7f7;--border:#e3e3e3;--accent:#111111;--button-fg:#ffffff;--shadow:0 22px 60px -36px rgba(15,17,21,0.35)}
:root[data-theme='dark']{color-scheme:dark;--bg:#0f1115;--fg:#f5f7fa;--muted:#9aa6b5;--card:#1a1f29;--border:#2a3140;--accent:#facc15;--button-fg:#111111;--shadow:0 26px 70px -40px rgba(0,0,0,0.75)}
@media (prefers-color-scheme:dark){
  :root:not([data-theme='light']){color-scheme:dark;--bg:#0f1115;--fg:#f5f7fa;--muted:#9aa6b5;--card:#1a1f29;--border:#2a3140;--accent:#facc15;--button-fg:#111111;--shadow:0 26px 70px -40px rgba(0,0,0,0.75)}
}
*{box-sizing:border-box}
body{font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,Arial,sans-serif;color:var(--fg);background:var(--bg);margin:0;transition:background .3s ease,color .3s ease}
a{color:inherit}
.hidden{display:none}
.container{max-width:960px;margin:0 auto;padding:0 clamp(28px,8vw,72px)}
h1{font-size:clamp(30px,4.6vw,52px);line-height:1.05;margin:0}
h2{font-size:clamp(22px,3.2vw,30px);margin:0 0 12px}
.lede{color:var(--muted);font-size:18px;margin:12px 0 0}

input,button,.card,details{transition:background .25s ease,color .25s ease,border-color .25s ease,box-shadow .25s ease}
input{width:100%;padding:14px 16px;border:1px solid var(--border);border-radius:14px;font-size:16px;background:var(--card);color:var(--fg);height:48px;line-height:48px}
input:focus-visible{outline:2px solid transparent;border-color:var(--accent);box-shadow:0 0 0 3px rgba(17,17,17,0.12)}
:root[data-theme='dark'] input:focus-visible{box-shadow:0 0 0 3px rgba(250,204,21,0.3)}
button{font-family:inherit;font-size:16px;font-weight:600;cursor:pointer;border-radius:12px;border:none}

.top-nav{position:sticky;top:0;background:rgba(255,255,255,0.92);border-bottom:1px solid var(--border);backdrop-filter:saturate(160%) blur(10px);z-index:20}
:root[data-theme='dark'] .top-nav{background:rgba(15,17,21,0.92)}
.top-nav__inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:16px}
.brand{font-weight:700;font-size:20px;text-decoration:none;color:var(--fg)}
.site-nav{display:flex;flex-wrap:wrap;gap:14px}
.site-nav a{color:var(--muted);text-decoration:none;font-weight:600;padding:6px 0;border-bottom:2px solid transparent}
.site-nav a[aria-current="page"]{color:var(--fg);border-color:var(--accent)}
.site-nav a:hover,.site-nav a:focus-visible{color:var(--fg);border-color:var(--accent)}
.menu-toggle{display:none;align-items:center;gap:8px;padding:10px 16px;border:1px solid var(--border);background:var(--bg);color:var(--fg);border-radius:999px;font-weight:600;font-size:15px}
.menu-toggle:hover,.menu-toggle:focus-visible{border-color:var(--accent);box-shadow:0 0 0 3px rgba(17,17,17,0.08)}
:root[data-theme='dark'] .menu-toggle:hover,:root[data-theme='dark'] .menu-toggle:focus-visible{box-shadow:0 0 0 3px rgba(250,204,21,0.25)}

.hero{padding-block:56px 24px}
.layout-grid{display:grid;gap:32px;margin-bottom:56px}
.article{padding-block:56px 64px;display:grid;gap:20px}

.primary{display:flex;flex-direction:column;gap:24px}
.calculator{background:var(--card);border:1px solid var(--border);border-radius:24px;padding:28px;box-shadow:var(--shadow);display:grid;gap:24px}
.calculator__inputs{display:grid;gap:18px}
@media(min-width:640px){.calculator__inputs{grid-template-columns:repeat(2,minmax(0,1fr))}}
.field label{display:block;font-weight:650;margin-bottom:6px}
.field-note{margin:6px 0 0;font-size:13px;color:var(--muted)}
.field--full{grid-column:1 / -1}
.preset-wrapper{display:grid;gap:18px}
.preset-group{display:grid;gap:10px}
.preset-group__label{font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:600}
.presets{display:flex;flex-wrap:wrap;gap:8px}
.presets button{flex:0 0 auto;padding:9px 14px;border:1px solid var(--border);background:var(--bg);border-radius:999px;color:var(--fg);font-size:14px}
.presets button:hover,.presets button:focus-visible{border-color:var(--accent);box-shadow:0 0 0 2px rgba(17,17,17,0.08)}
:root[data-theme='dark'] .presets button:hover,:root[data-theme='dark'] .presets button:focus-visible{box-shadow:0 0 0 2px rgba(250,204,21,0.25)}
.calculator__submit{width:100%;padding:16px 20px;background:var(--accent);color:var(--button-fg);font-size:17px;font-weight:700;letter-spacing:.01em}
.calculator__submit:hover{opacity:.92}
.calculator__submit:focus-visible{outline:2px solid transparent;box-shadow:0 0 0 3px rgba(17,17,17,0.18)}
:root[data-theme='dark'] .calculator__submit:focus-visible{box-shadow:0 0 0 3px rgba(250,204,21,0.35)}

#out.card{margin:0;background:transparent;border:none;padding:0}
.results{display:grid;gap:18px}
@media(min-width:640px){.results{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}}
.result-card{background:var(--bg);border:1px solid var(--border);border-radius:20px;padding:20px 22px;display:grid;gap:14px}
.result-card--net{border-color:var(--accent)}
.result-badge{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);font-weight:700}
.result-card--net .result-badge{color:var(--accent)}
.result-list{margin:0;display:grid;gap:12px}
.result-row{display:flex;justify-content:space-between;align-items:flex-end;gap:12px}
.result-row dt{margin:0;font-size:14px;color:var(--muted);font-weight:600}
.result-row dd{margin:0;font-size:20px;font-weight:700}
.note{margin:8px 0 0;font-size:13px;color:var(--muted)}

.next-steps{background:var(--card);border:1px solid var(--border);border-radius:20px;padding:22px 24px;display:grid;gap:14px;box-shadow:0 18px 40px -32px rgba(17,17,17,0.4)}
:root[data-theme='dark'] .next-steps{box-shadow:0 18px 36px -28px rgba(0,0,0,0.7)}
.next-steps h2{margin:0;font-size:20px}
.next-steps__list{margin:0;display:grid;gap:10px;padding-left:20px;font-size:15px;line-height:1.55}
.next-steps__note{margin:0;color:var(--muted);font-size:13px}

.faq details{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:14px 16px;margin:12px 0}
.faq summary{cursor:pointer;font-weight:650}

.secondary{position:relative}
.secondary::before{content:'';position:absolute;inset:0;border-radius:22px;background:var(--card);opacity:.65;filter:blur(40px);z-index:-1}

.footer{border-top:1px solid var(--border);padding:32px 0;color:var(--muted);font-size:14px}
.footer__inner{display:flex;flex-direction:column;gap:10px}
.footer nav{display:flex;gap:16px;flex-wrap:wrap}
.footer a{text-decoration:none;color:inherit;border-bottom:1px dotted currentColor}

.engagement{padding-block:48px 72px;display:grid;gap:22px}
.engagement p{max-width:680px;color:var(--muted);margin:0}
.resource-grid{display:grid;gap:18px}
@media(min-width:640px){.resource-grid{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}}
.resource-card{display:grid;gap:10px;padding:22px 24px;background:var(--card);border:1px solid var(--border);border-radius:20px;text-decoration:none;color:inherit;box-shadow:0 18px 40px -32px rgba(17,17,17,0.4);transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease}
.resource-card:hover,.resource-card:focus-visible{border-color:var(--accent);box-shadow:0 20px 46px -28px rgba(17,17,17,0.5);transform:translateY(-2px)}
:root[data-theme='dark'] .resource-card{box-shadow:0 18px 36px -28px rgba(0,0,0,0.7)}
:root[data-theme='dark'] .resource-card:hover,:root[data-theme='dark'] .resource-card:focus-visible{box-shadow:0 22px 48px -24px rgba(0,0,0,0.75)}
.resource-card__title{font-weight:700;font-size:18px}
.resource-card__excerpt{color:var(--muted);font-size:15px;line-height:1.5}
.resource-card__cta{font-weight:650;font-size:14px;display:inline-flex;align-items:center;gap:6px}
.resource-card__cta::after{content:'→';font-size:16px;transition:transform .2s ease}
.resource-card:hover .resource-card__cta::after,.resource-card:focus-visible .resource-card__cta::after{transform:translateX(4px)}

.theme-toggle{position:fixed;top:20px;right:20px;padding:10px 14px;border-radius:999px;font-size:14px;font-weight:600;background:rgba(255,255,255,0.9);color:var(--fg);border:1px solid var(--border);width:auto;margin:0;z-index:25}
.theme-toggle:hover{box-shadow:0 10px 24px -18px rgba(17,17,17,0.45)}
:root[data-theme='dark'] .theme-toggle{background:rgba(26,31,41,0.92)}
:root[data-theme='dark'] .theme-toggle:hover{box-shadow:0 8px 24px -18px rgba(250,204,21,0.45)}

@media(max-width:640px){
  .top-nav__inner{flex-direction:column;align-items:flex-start}
  .menu-toggle{display:inline-flex}
  .site-nav{display:none;position:absolute;top:calc(100% + 12px);right:0;left:0;flex-direction:column;gap:0;background:var(--card);border:1px solid var(--border);border-radius:18px;padding:18px;box-shadow:var(--shadow);z-index:15}
  .site-nav a{padding:12px 4px;border-bottom:1px solid var(--border);width:100%}
  .site-nav a:last-child{border-bottom:none}
  .site-nav.is-open{display:flex}
  .theme-toggle{top:auto;bottom:20px;right:20px}
}

@media(min-width:920px){
  .layout-grid{grid-template-columns:minmax(0,1.6fr) minmax(0,1fr)}
}