:root {
    --primary: #0f172a;
    --accent: #0ea5e9;
    --accent-dark: #0284c7;
}

.site-nav {
    background: var(--primary);
    padding: 0 1.5rem;
    position: sticky;
    top: 0;
    z-index: 100;
    border-bottom: 1px solid rgba(255,255,255,0.06);
}

.site-nav-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 56px;
    gap: 1rem;
}

.site-nav-logo {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    text-decoration: none;
    color: #fff;
    font-weight: 700;
    font-size: 1.1rem;
    letter-spacing: -0.01em;
    flex-shrink: 0;
}

.logo-badge {
    background: var(--accent);
    color: #fff;
    font-size: 0.8rem;
    font-weight: 700;
    padding: 2px 7px;
    border-radius: 4px;
    letter-spacing: 0.04em;
}

.site-nav-links {
    display: flex;
    align-items: center;
    gap: 0.25rem;
    list-style: none;
}

.site-nav-links a {
    color: rgba(255,255,255,0.72);
    text-decoration: none;
    font-size: 0.82rem;
    font-weight: 500;
    padding: 0.4rem 0.5rem;
    border-radius: 6px;
    transition: all 0.15s;
    white-space: nowrap;
}

.site-nav-links a:hover {
    color: #fff;
    background: rgba(255,255,255,0.08);
}

.nav-cta {
    background: var(--accent) !important;
    color: #fff !important;
    font-weight: 600 !important;
    padding: 0.4rem 1rem !important;
}

.nav-cta:hover { background: var(--accent-dark) !important; }

/* Nav dropdowns */
.nav-dropdown {
    position: relative;
}

.nav-dropdown-toggle {
    display: flex;
    align-items: center;
    gap: 0.25rem;
    color: rgba(255,255,255,0.72);
    text-decoration: none;
    font-size: 0.82rem;
    font-weight: 500;
    padding: 0.4rem 0.5rem;
    border-radius: 6px;
    transition: all 0.15s;
    white-space: nowrap;
    cursor: pointer;
    background: none;
    border: none;
    font-family: inherit;
    height: 56px;
}

.nav-dropdown-toggle:hover,
.nav-dropdown:hover .nav-dropdown-toggle {
    color: #fff;
    background: rgba(255,255,255,0.08);
}

.nav-dropdown-toggle svg {
    opacity: 0.6;
    transition: transform 0.15s;
}

.nav-dropdown:hover .nav-dropdown-toggle svg {
    transform: rotate(180deg);
    opacity: 1;
}

.nav-dropdown-menu {
    display: none;
    position: absolute;
    top: calc(100% - 4px);
    left: 0;
    background: #1e293b;
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 8px;
    padding: 0.5rem;
    min-width: 220px;
    z-index: 200;
    box-shadow: 0 8px 24px rgba(0,0,0,0.3);
}

.nav-dropdown:hover .nav-dropdown-menu {
    display: block;
}

.nav-dropdown-menu a {
    display: block;
    padding: 0.5rem 0.75rem !important;
    border-radius: 5px;
    white-space: nowrap;
}

.nav-dropdown-menu a[aria-current="page"] {
    color: #fff !important;
    background: rgba(14,165,233,0.15);
}

/* Hamburger button */
.nav-hamburger {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.4rem;
    margin-left: auto;
}
.nav-hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: #fff;
    border-radius: 2px;
    transition: transform 0.2s ease, opacity 0.2s ease;
}
.nav-hamburger.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.is-open span:nth-child(2) { opacity: 0; }
.nav-hamburger.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu panel */
.mobile-menu {
    background: var(--primary);
    border-top: 1px solid rgba(255,255,255,0.1);
    padding: 0.75rem 1rem 1.25rem;
}
.mobile-menu a {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: rgba(255,255,255,0.85);
    text-decoration: none;
    font-size: 0.95rem;
    font-weight: 500;
    padding: 0.65rem 0.5rem;
    border-bottom: 1px solid rgba(255,255,255,0.07);
}
.mobile-menu a[aria-current="page"] { color: #fff; font-weight: 700; }
.mobile-menu a:last-child { border-bottom: none; }
.mobile-menu-section {
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.4);
    padding: 0.85rem 0.5rem 0.3rem;
}
.mobile-cta {
    margin-top: 0.75rem;
    justify-content: center;
    background: var(--accent) !important;
    color: #fff !important;
    border-radius: 0.5rem;
    padding: 0.7rem 1rem !important;
    font-weight: 700 !important;
    border-bottom: none !important;
}

@media (max-width: 768px) {
    .nav-dropdown { display: none; }
    .site-nav-links .hide-mobile { display: none; }
    .nav-hamburger { display: flex; }
}

.site-footer {
    background: var(--primary);
    color: rgba(255,255,255,0.65);
    padding: 3rem 1.5rem 2rem;
}

.site-footer-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    gap: 2rem;
}

@media (min-width: 768px) { .site-footer-inner { grid-template-columns: 1.5fr 1fr 1fr 1fr; } }

.footer-brand-logo {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: #fff;
    font-weight: 700;
    font-size: 1.05rem;
    margin-bottom: 0.75rem;
    text-decoration: none;
}

.footer-brand-desc { font-size: 0.87rem; line-height: 1.65; color: rgba(255,255,255,0.5); max-width: 280px; }

.footer-col-title {
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.4);
    margin-bottom: 0.9rem;
}

.footer-links { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; margin-bottom: 1.5rem; }
.footer-links a { color: rgba(255,255,255,0.62); text-decoration: none; font-size: 0.88rem; transition: color 0.15s; }
.footer-links a:hover { color: #fff; }
.footer-links a[aria-current="page"] { color: #fff; }

.footer-contact-item { display: flex; align-items: flex-start; gap: 0.5rem; font-size: 0.87rem; color: rgba(255,255,255,0.62); margin-bottom: 0.5rem; }
.footer-contact-item a { color: rgba(255,255,255,0.62); text-decoration: none; }
.footer-contact-item a:hover { color: #fff; }

.footer-bottom {
    max-width: 1200px;
    margin: 2rem auto 0;
    padding-top: 1.25rem;
    border-top: 1px solid rgba(255,255,255,0.08);
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 0.5rem;
    font-size: 0.8rem;
    color: rgba(255,255,255,0.35);
}

.footer-bottom a { color: rgba(255,255,255,0.45); text-decoration: none; }
.footer-bottom a:hover { color: rgba(255,255,255,0.75); }

/* Shared page base */
:root {
    --bg: #f8fafc;
    --surface: #ffffff;
    --text: #0f172a;
    --text-muted: #64748b;
    --border: #e2e8f0;
    --success: #10b981;
    --warning: #f59e0b;
    --danger: #ef4444;
    --accent-light: #e0f2fe;
}

html { scroll-behavior: smooth; }

body {
    margin: 0;
    font-family: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

* { box-sizing: border-box; }

.container {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

.page-hero {
    padding: 4rem 1.5rem 3rem;
    text-align: center;
    background: linear-gradient(135deg, var(--primary) 0%, #1e293b 100%);
    background-size: cover;
    background-position: center;
    color: #fff;
    position: relative;
}
.page-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(10,37,64,0.82) 0%, rgba(15,23,42,0.78) 100%);
    pointer-events: none;
}
.page-hero > * {
    position: relative;
}

.page-hero h1 {
    font-size: clamp(2.2rem, 5vw, 3.6rem);
    line-height: 1.08;
    margin-bottom: 1rem;
    letter-spacing: -0.02em;
}

.page-hero h1 span {
    background: linear-gradient(135deg, var(--accent) 0%, #06b6d4 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.page-hero-sub,
.page-hero p {
    max-width: 780px;
    margin: 0 auto 1.5rem;
    font-size: 1.1rem;
    color: rgba(255,255,255,0.9);
}

.page-hero-eyebrow {
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 0.75rem;
}

.hero-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
    justify-content: center;
    margin-top: 1.5rem;
}

.hero-pill {
    background: rgba(255,255,255,0.15);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 999px;
    padding: 0.4rem 0.9rem;
    font-size: 0.8rem;
    font-weight: 600;
    color: #fff;
    backdrop-filter: blur(10px);
}

.disclaimer,
.section,
.tab-content,
.calc-card,
.info-panel,
.faq,
.surface-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 1rem;
    box-shadow: 0 1px 3px rgba(15,23,42,0.06), 0 8px 24px rgba(15,23,42,0.04);
}

.section,
.tab-content,
.calc-card,
.info-panel,
.faq,
.surface-card {
    padding: 1.5rem;
}

.calculator-tabs {
    display: grid;
    gap: 1.5rem;
}

.calculator-tabs > .tab-content {
    margin: 0;
}

.section-header {
    text-align: center;
    margin-bottom: 2rem;
}

.section-header h2 {
    margin-bottom: 0.5rem;
    color: var(--primary);
}

.section-header p {
    color: var(--text-muted);
    max-width: 720px;
    margin: 0 auto;
}

.disclaimer {
    margin: 2rem auto;
    padding: 1rem 1.5rem;
    background: #fffbeb;
    border-left: 4px solid var(--warning);
    max-width: 1100px;
    border-radius: 0.75rem;
    color: #856404;
    font-size: 0.85rem;
}

.disclaimer a,
.text-link {
    color: #92400e;
    text-decoration: underline;
}

.btn,
.btn-primary,
.btn-secondary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.4rem;
    border-radius: 0.75rem;
    border: 1px solid transparent;
    font: inherit;
    font-weight: 700;
    text-decoration: none;
    cursor: pointer;
    transition: transform 0.15s ease, background 0.15s ease, border-color 0.15s ease;
}

.btn:hover,
.btn-primary:hover,
.btn-secondary:hover {
    transform: translateY(-1px);
}

.btn-primary {
    background: var(--accent);
    color: #fff;
    padding: 0.85rem 1.2rem;
}

.btn-primary:hover { background: var(--accent-dark); }

.btn-secondary {
    background: transparent;
    color: var(--primary);
    border-color: var(--border);
    padding: 0.85rem 1.2rem;
}

.btn-secondary:hover {
    border-color: var(--accent);
    color: var(--accent-dark);
}

.btn-sm {
    padding: 0.55rem 1.1rem;
    font-size: 0.9rem;
    border-radius: 0.5rem;
    background: var(--bg);
    color: var(--text);
    border-color: var(--border);
}
.btn-sm:hover { border-color: var(--accent); color: var(--accent); }

.grid-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}

@media (max-width: 640px) {
    .grid-2 { grid-template-columns: 1fr; }
}

    .grid-3 {
        display: grid;
        gap: 1rem;
    }

    @media (min-width: 900px) {
        .grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
    }

    .section-number {
        width: 2.25rem;
        height: 2.25rem;
        border-radius: 999px;
        background: var(--accent);
        color: #fff;
        display: flex;
        align-items: center;
        justify-content: center;
        font-weight: 700;
        flex-shrink: 0;
    }

    .toggle-row {
        display: flex;
        flex-wrap: wrap;
        gap: 1rem;
        align-items: center;
        padding: 1rem;
        background: #f8fafc;
        border: 1px solid var(--border);
        border-radius: 0.9rem;
        margin-bottom: 1rem;
    }

    .toggle-label {
        display: inline-flex;
        align-items: center;
        gap: 0.65rem;
        font-weight: 600;
    }

    .switch {
        position: relative;
        width: 56px;
        height: 30px;
        display: inline-block;
    }

    .switch input { opacity: 0; width: 0; height: 0; }

    .slider {
        position: absolute;
        inset: 0;
        background: #cbd5e1;
        border-radius: 999px;
        transition: 0.2s;
    }

    .slider::before {
        content: "";
        position: absolute;
        width: 22px;
        height: 22px;
        left: 4px;
        top: 4px;
        background: #fff;
        border-radius: 999px;
        transition: 0.2s;
    }

    .switch input:checked + .slider { background: var(--success); }
    .switch input:checked + .slider::before { transform: translateX(26px); }

    .metric-card {
        background: #fff;
        border: 1px solid var(--border);
        border-radius: 0.9rem;
        padding: 1rem;
    }

    .metric-label { color: var(--text-muted); font-size: 0.88rem; margin-bottom: 0.3rem; }
    .metric-value { font-size: 1.35rem; font-weight: 800; color: var(--primary); }
    .metric-note { color: var(--text-muted); font-size: 0.86rem; margin-top: 0.35rem; }

.slider-wrap {
    display: grid;
    gap: 0.4rem;
}

.slider-output {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
    font-family: 'JetBrains Mono', monospace;
    font-size: 0.85rem;
    color: var(--text-muted);
}

.slider-output strong {
    color: var(--primary);
    font-size: 0.95rem;
}

.btn-add {
    background: var(--success);
    color: white;
    width: 100%;
}

.btn-remove {
    background: #fee2e2;
    color: var(--danger);
    padding: 0.35rem 0.75rem;
    font-size: 0.82rem;
    border: 1px solid #fecaca;
}

.btn-remove:hover {
    background: var(--danger);
    color: white;
}

.child-card {
    background: var(--bg);
    padding: 1.25rem;
    border-radius: 0.75rem;
    margin-bottom: 1rem;
    border: 1.5px solid var(--border);
}

.child-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1rem;
    padding-bottom: 0.6rem;
    border-bottom: 1px solid var(--border);
}

.childcare-item {
    background: white;
    padding: 1rem;
    border-radius: 0.5rem;
    margin-bottom: 0.75rem;
    border: 1px solid var(--border);
}

.childcare-item-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 0.75rem;
}

.scenarios-grid {
    display: grid;
    gap: 1.25rem;
    margin-bottom: 1.5rem;
}

@media (min-width: 768px) {
    .scenarios-grid { grid-template-columns: 1fr 1fr; }
}

.scenario-box {
    background: linear-gradient(135deg, #f0f9ff 0%, #e0f2fe 100%);
    padding: 1.5rem;
    border-radius: 0.75rem;
    border: 1.5px solid rgba(14, 165, 233, 0.3);
}

.scenario-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    margin-bottom: 1.25rem;
}

.scenario-controls {
    display: flex;
    gap: 0.75rem;
    flex-wrap: wrap;
    margin-top: 0.5rem;
}

.scenario-childcare {
    background: rgba(255,255,255,0.65);
    border: 1px solid rgba(14, 165, 233, 0.18);
    border-radius: 0.65rem;
    padding: 1rem;
    margin-top: 0.75rem;
}

.scenario-childcare h4 {
    color: var(--primary);
    margin-bottom: 0.75rem;
    font-size: 0.95rem;
}

.scenario-childcare-grid {
    display: grid;
    gap: 0.75rem;
}

.scenario-box h3 {
    color: var(--primary);
    font-size: 1.1rem;
}

.results {
    background: var(--surface);
    padding: 2rem;
    border-radius: 1rem;
    box-shadow: 0 1px 3px rgba(0,0,0,0.07), 0 4px 16px rgba(0,0,0,0.04);
    border: 1px solid var(--border);
    margin-bottom: 1.75rem;
}

.results-hidden { display: none; }

.results-grid {
    display: grid;
    gap: 1.25rem;
    margin-bottom: 1.75rem;
}

@media (min-width: 768px) {
    .results-grid { grid-template-columns: 1fr 1fr; }
}

.result-card {
    background: linear-gradient(135deg, var(--bg) 0%, #e0f2fe 100%);
    padding: 1.5rem;
    border-radius: 0.75rem;
    border: 1.5px solid var(--border);
    position: relative;
}

.result-card.best {
    border-color: var(--success);
    background: linear-gradient(135deg, #f0fdf4 0%, #dcfce7 100%);
}

.best-badge {
    position: absolute;
    top: -0.7rem;
    right: 1rem;
    background: var(--success);
    color: white;
    padding: 0.2rem 0.7rem;
    border-radius: 1rem;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.03em;
    text-transform: uppercase;
}

.result-header {
    text-align: center;
    padding-bottom: 1rem;
    border-bottom: 1.5px solid var(--border);
    margin-bottom: 1rem;
}

.result-title {
    font-size: 1.35rem;
    font-weight: 700;
    color: var(--primary);
}

.metric {
    display: flex;
    justify-content: space-between;
    padding: 0.6rem 0;
    border-bottom: 1px solid var(--border);
}

.metric:last-child { border-bottom: none; }

.metric-label {
    color: var(--text-muted);
    font-size: 0.88rem;
}

.metric-value {
    font-weight: 600;
    font-family: 'JetBrains Mono', monospace;
    font-size: 0.9rem;
}

.highlight-box {
    background: white;
    padding: 1rem;
    border-radius: 0.5rem;
    margin-top: 1rem;
    border: 1.5px solid var(--accent);
}

.highlight-box .metric-label {
    font-weight: 600;
    color: var(--primary);
}

.highlight-box .metric-value {
    font-size: 1.1rem;
    color: var(--accent);
}

.analysis {
    background: var(--bg);
    padding: 1.5rem;
    border-radius: 0.75rem;
    border-left: 4px solid var(--accent);
    margin-bottom: 1.5rem;
    border: 1px solid var(--border);
}

.analysis h3 {
    margin-bottom: 1rem;
    color: var(--primary);
}

.analysis-item {
    margin-bottom: 0.65rem;
    padding-left: 1.5rem;
    position: relative;
    font-size: 0.92rem;
}

.analysis-item:before {
    content: "→";
    position: absolute;
    left: 0;
    color: var(--accent);
    font-weight: 700;
}

.breakdown {
    background: rgba(15, 23, 42, 0.03);
    padding: 0.75rem;
    border-radius: 0.5rem;
    margin: 0.5rem 0;
    font-size: 0.82rem;
}

.chart-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 0.75rem;
    padding: 1.25rem;
}

.chart-title {
    font-size: 1rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 1rem;
}

.chart-grid { display: grid; gap: 0.9rem; }

.chart-row {
    display: grid;
    grid-template-columns: 120px 1fr 110px;
    gap: 0.75rem;
    align-items: center;
}

@media (max-width: 640px) {
    .chart-row { grid-template-columns: 1fr; }
    .chart-note { text-align: left; }
}

.chart-label {
    font-weight: 600;
    color: var(--primary);
    font-size: 0.9rem;
}

.chart-track {
    height: 0.8rem;
    background: rgba(15, 23, 42, 0.07);
    border-radius: 999px;
    overflow: hidden;
}

.chart-fill {
    height: 100%;
    border-radius: 999px;
    background: linear-gradient(90deg, var(--accent), var(--success));
}

.chart-note {
    font-size: 0.82rem;
    color: var(--text-muted);
    text-align: right;
    font-family: 'JetBrains Mono', monospace;
}

.how-steps--three {
    grid-template-columns: repeat(3, 1fr);
}

.form-group { margin-bottom: 1.5rem; }

.form-group label {
    display: block;
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 0.5rem;
    font-size: 0.95rem;
}

.label-hint {
    font-weight: 400;
    color: var(--text-muted);
    font-size: 0.85rem;
}

input[type="number"],
input[type="text"],
input[type="email"],
input[type="tel"],
select,
textarea {
    width: 100%;
    padding: 0.75rem 1rem;
    border: 1.5px solid var(--border);
    border-radius: 0.75rem;
    font: inherit;
    background: var(--surface);
    color: var(--text);
}

input:focus,
select:focus,
textarea:focus {
    outline: none;
    border-color: var(--accent);
}

.checkbox-group {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.checkbox-item {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
}

.checkbox-item input[type="checkbox"] {
    width: auto;
    margin-top: 0.25rem;
}

.result-grid {
    display: grid;
    gap: 1rem;
}

.result-grid.two-col {
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.result-line {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    padding: 0.6rem 0;
    border-bottom: 1px solid var(--border);
}

.result-line.total {
    font-weight: 700;
    border-bottom: none;
}

.result-value {
    font-weight: 700;
    color: var(--primary);
}

.muted {
    color: var(--text-muted);
}

.stack-lg { margin-bottom: 1.5rem; }
.stack-xl { margin-bottom: 2rem; }
.stack-top-lg { margin-top: 1.5rem; }
.text-center { text-align: center; }
.panel-note {
    background: #fff;
    padding: 1rem;
    border-radius: 0.5rem;
}

.panel-note--soft {
    background: #e0f2fe;
}

.text-success { color: var(--success); }
.text-danger { color: var(--danger); }
.text-primary { color: var(--primary); }
.text-xs { font-size: 13px; }

.soft-panel {
    background: #eff6ff;
    border-left: 4px solid var(--accent);
    border-radius: 0.75rem;
    padding: 1rem;
}

.note-panel {
    background: #e0f2fe;
    border-radius: 0.75rem;
    padding: 1rem;
}

/* Shared content components */
.results-box {
    background: linear-gradient(135deg, var(--bg) 0%, #e0f2fe 100%);
    padding: 2rem;
    border-radius: 1rem;
    border: 2px solid var(--accent);
    margin-top: 2rem;
}

.results-box h3 {
    color: var(--primary);
    font-size: 1.3rem;
    margin-bottom: 1.5rem;
    text-align: center;
    border-bottom: 2px solid var(--border);
    padding-bottom: 1rem;
}

.success-box {
    background: linear-gradient(135deg, #f0fdf4 0%, #dcfce7 100%);
    border: 2px solid var(--success);
    padding: 1.5rem;
    border-radius: 0.75rem;
    margin: 1.5rem 0;
}

.success-box h4 {
    color: var(--success);
    margin-bottom: 0.75rem;
}

.warning-box {
    background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%);
    border: 2px solid var(--warning);
    padding: 1.5rem;
    border-radius: 0.75rem;
    margin: 1.5rem 0;
}

.danger-box {
    background: linear-gradient(135deg, #fee2e2 0%, #fecaca 100%);
    border: 2px solid var(--danger);
    padding: 1.5rem;
    border-radius: 0.75rem;
    margin: 1.5rem 0;
}

.info-box {
    background: #e0f2fe;
    border-left: 4px solid var(--accent);
    padding: 1rem;
    border-radius: 0.5rem;
    margin: 1rem 0;
    font-size: 0.9rem;
}

.section-intro {
    text-align: center;
    color: var(--text-muted);
    max-width: 700px;
    margin: 0 auto 2.5rem;
    font-size: 1.05rem;
}

.how-it-works {
    background: var(--surface);
    padding: 3rem 2rem;
    border-radius: 1rem;
    box-shadow: 0 1px 3px rgba(0,0,0,0.07), 0 4px 16px rgba(0,0,0,0.04);
    margin: 3rem auto;
}

.how-it-works h2 {
    font-size: 1.75rem;
    color: var(--primary);
    margin-bottom: 1rem;
    text-align: center;
}

.how-steps {
    display: grid;
    gap: 1.5rem;
    margin-bottom: 2rem;
}

@media (min-width: 768px) {
    .how-steps { grid-template-columns: 1fr 1fr; }
}

.how-step {
    background: var(--bg);
    padding: 1.5rem;
    border-radius: 0.75rem;
    border: 2px solid var(--border);
    position: relative;
}

.how-step-num {
    position: absolute;
    top: -15px;
    left: 20px;
    width: 36px;
    height: 36px;
    background: var(--accent);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.1rem;
}

.how-step h3 {
    color: var(--primary);
    font-size: 1.1rem;
    margin-bottom: 0.75rem;
    padding-top: 0.5rem;
}

.how-step p {
    color: var(--text-muted);
    font-size: 0.95rem;
    line-height: 1.7;
}

.how-note {
    background: #eff6ff;
    border-left: 3px solid var(--accent);
    padding: 0.9rem 1rem;
    border-radius: 0.5rem;
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-top: 1.5rem;
    line-height: 1.6;
}

.rate-table {
    width: 100%;
    border-collapse: collapse;
    margin: 2rem 0;
    font-size: 0.9rem;
}

.rate-table th {
    text-align: left;
    font-weight: 700;
    color: var(--primary);
    padding: 0.75rem;
    background: var(--bg);
    border-bottom: 2px solid var(--border);
}

.rate-table td {
    padding: 0.75rem;
    border-bottom: 1px solid var(--border);
}

.rate-table tr:last-child td { border-bottom: none; }

.rate-value {
    font-family: 'JetBrains Mono', monospace;
    font-weight: 600;
    color: var(--accent);
}

.content-section {
    background: var(--surface);
    padding: 3.5rem 2.25rem;
    border-radius: 1.25rem;
    box-shadow: 0 1px 3px rgba(15,23,42,0.06), 0 12px 30px rgba(15,23,42,0.05);
    margin: 3.5rem auto;
}

.content-section h2 {
    font-size: 1.75rem;
    color: var(--primary);
    margin-bottom: 2rem;
}

.content-section h3 {
    font-size: 1.3rem;
    color: var(--primary);
    margin: 2rem 0 1rem;
}

.content-section h4 {
    font-size: 1.1rem;
    color: var(--primary);
    margin: 1.5rem 0 0.75rem;
}

.content-section ul {
    list-style: none;
    padding-left: 0;
}

.content-section ul li {
    padding-left: 1.5rem;
    position: relative;
    margin-bottom: 0.5rem;
    color: var(--text-muted);
}

.content-section ul li::before {
    content: "→";
    position: absolute;
    left: 0;
    color: var(--accent);
    font-weight: 700;
}

.two-col-compare {
    display: grid;
    gap: 2rem;
    margin: 2rem 0;
}

@media (min-width: 900px) {
    .two-col-compare { grid-template-columns: 1fr 1fr; }
}

.compare-card {
    border: 2px solid var(--border);
    border-radius: 1.1rem;
    overflow: hidden;
    background: var(--surface);
    box-shadow: 0 1px 3px rgba(15,23,42,0.05), 0 10px 24px rgba(15,23,42,0.04);
    display: flex;
    flex-direction: column;
    min-height: 100%;
}

.compare-header {
    padding: 1.75rem 1.5rem 1.25rem;
    text-align: center;
    background: linear-gradient(180deg, rgba(14,165,233,0.08) 0%, rgba(14,165,233,0.02) 100%);
}

.compare-header h3 {
    margin: 0 0 0.5rem 0;
    font-size: 1.2rem;
}

.compare-header .price {
    font-size: 1.5rem;
    font-weight: 700;
    font-family: 'JetBrains Mono', monospace;
}

.compare-body {
    padding: 1.75rem;
    background: var(--surface);
    display: grid;
    gap: 0.9rem;
}

.mistake-grid {
    display: grid;
    gap: 1.75rem;
    margin: 2rem 0;
}

@media (min-width: 768px) {
    .mistake-grid { grid-template-columns: 1fr 1fr; }
}

.mistake-card {
    background: var(--bg);
    border: 2px solid var(--border);
    border-radius: 0.75rem;
    overflow: hidden;
    height: 100%;
}

.mistake-header {
    background: linear-gradient(135deg, var(--danger) 0%, #dc2626 100%);
    color: white;
    padding: 1rem 1.5rem;
    display: flex;
    align-items: center;
    gap: 1rem;
}

.mistake-number {
    width: 32px;
    height: 32px;
    background: rgba(255,255,255,0.2);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    flex-shrink: 0;
}

.mistake-header h3 {
    margin: 0;
    font-size: 1rem;
    font-weight: 600;
}

.mistake-body {
    padding: 1.5rem;
}

.mistake-body p {
    margin-bottom: 1rem;
    font-size: 0.9rem;
    line-height: 1.6;
}

.mistake-body strong { color: var(--primary); }

.faq {
    background: var(--surface);
    padding: 3.5rem 2.25rem;
    border-radius: 1.25rem;
    box-shadow: 0 1px 3px rgba(15,23,42,0.06), 0 12px 30px rgba(15,23,42,0.05);
    margin: 3.5rem auto;
}

.faq h2 {
    font-size: 1.75rem;
    color: var(--primary);
    margin-bottom: 2rem;
    text-align: center;
}

.faq-item {
    border-bottom: 1px solid var(--border);
}

.faq-item:last-child { border-bottom: none; }

.faq-question {
    width: 100%;
    background: none;
    border: none;
    text-align: left;
    padding: 1.25rem 0;
    font-family: 'DM Sans', sans-serif;
    font-size: 1rem;
    font-weight: 600;
    color: var(--primary);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
}

.faq-question:hover { color: var(--accent); }

.faq-icon {
    font-size: 1.5rem;
    color: var(--accent);
    flex-shrink: 0;
    transition: transform 0.2s;
}

.faq-item.open .faq-icon { transform: rotate(45deg); }

.faq-answer {
    display: none;
    padding: 0 0 1.5rem;
    font-size: 0.95rem;
    color: var(--text-muted);
    line-height: 1.7;
}

@media (max-width: 767px) {
    .content-section,
    .faq {
        padding: 2.25rem 1.25rem;
        border-radius: 1rem;
        margin: 2.25rem auto;
    }

    .compare-body {
        padding: 1.25rem;
    }
}

.faq-item.open .faq-answer { display: block; }

.faq-answer strong { color: var(--primary); }

.cta-banner {
    background: linear-gradient(135deg, var(--primary) 0%, #1e3a5f 100%);
    border-radius: 1rem;
    padding: 2.5rem 2rem;
    margin: 3rem auto;
    color: #fff;
    display: grid;
    gap: 2rem;
    align-items: center;
}

@media (min-width: 768px) {
    .cta-banner { grid-template-columns: 1fr auto; }
}

.cta-banner-eyebrow {
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 0.75rem;
}

.cta-banner h2 {
    font-size: 1.5rem;
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 0.75rem;
}

.cta-banner p {
    color: rgba(255,255,255,0.7);
    font-size: 0.95rem;
    max-width: 500px;
}

.cta-banner-actions {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    min-width: 200px;
}

.btn-cta {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.875rem 1.75rem;
    border-radius: 0.5rem;
    font-weight: 700;
    font-size: 0.95rem;
    text-decoration: none;
    transition: all 0.2s;
}

.btn-cta-primary { background: var(--accent); color: white; }
.btn-cta-primary:hover { background: var(--accent-dark); transform: translateY(-1px); }
.btn-cta-ghost { background: transparent; color: white; border: 2px solid rgba(255,255,255,0.3); }
.btn-cta-ghost:hover { border-color: white; background: rgba(255,255,255,0.1); }

.services-strip {
    display: grid;
    gap: 1.5rem;
    margin: 3rem auto;
}

@media (min-width: 768px) {
    .services-strip { grid-template-columns: repeat(3, 1fr); }
}

.service-card {
    background: var(--surface);
    border: 2px solid var(--border);
    border-radius: 0.75rem;
    padding: 2rem;
    text-decoration: none;
    color: var(--text);
    transition: all 0.2s;
    text-align: center;
}

.service-card:hover {
    border-color: var(--accent);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(14, 165, 233, 0.15);
}

.service-card-icon { font-size: 2.5rem; margin-bottom: 1rem; }
.service-card-price { font-size: 1.75rem; font-weight: 700; color: var(--accent); font-family: 'JetBrains Mono', monospace; margin-bottom: 0.5rem; }
.service-card-title { font-size: 1.1rem; font-weight: 700; color: var(--primary); margin-bottom: 0.5rem; }
.service-card-desc { font-size: 0.9rem; color: var(--text-muted); line-height: 1.5; }

.related-grid {
    display: grid;
    gap: 1.75rem;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    align-items: stretch;
}

.related-card {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    min-height: 100%;
    padding: 1.75rem;
    border: 1px solid var(--border);
    border-radius: 1rem;
    background: var(--surface);
    color: inherit;
    text-decoration: none;
    transition: border-color 0.2s, transform 0.2s, box-shadow 0.2s;
    box-shadow: 0 1px 3px rgba(15,23,42,0.05), 0 10px 22px rgba(15,23,42,0.04);
}

.related-card:hover {
    border-color: var(--accent);
    transform: translateY(-1px);
    box-shadow: 0 12px 28px rgba(14,165,233,0.12);
}

.related-card-title {
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 0.5rem;
    font-size: 1rem;
}

.related-card-copy {
    font-size: 0.95rem;
    color: var(--text-muted);
    line-height: 1.6;
}

.results-box {
    background: linear-gradient(135deg, var(--bg) 0%, #e0f2fe 100%);
    padding: 2rem;
    border-radius: 1rem;
    border: 2px solid var(--accent);
    margin-top: 2rem;
}

.results-box h3 {
    color: var(--primary);
    font-size: 1.3rem;
    margin-bottom: 1.5rem;
    text-align: center;
    border-bottom: 2px solid var(--border);
    padding-bottom: 1rem;
}

.success-box {
    background: linear-gradient(135deg, #f0fdf4 0%, #dcfce7 100%);
    border: 2px solid var(--success);
    padding: 1.5rem;
    border-radius: 0.75rem;
    margin: 1.5rem 0;
}

.success-box h4 {
    color: var(--success);
    margin-bottom: 0.75rem;
}

.warning-box {
    background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%);
    border: 2px solid var(--warning);
    padding: 1.5rem;
    border-radius: 0.75rem;
    margin: 1.5rem 0;
}

.danger-box {
    background: linear-gradient(135deg, #fee2e2 0%, #fecaca 100%);
    border: 2px solid var(--danger);
    padding: 1.5rem;
    border-radius: 0.75rem;
    margin: 1.5rem 0;
}

.info-box {
    background: #e0f2fe;
    border-left: 4px solid var(--accent);
    padding: 1rem;
    border-radius: 0.5rem;
    margin: 1rem 0;
    font-size: 0.9rem;
}

.how-it-works {
    background: var(--surface);
    padding: 3rem 2rem;
    border-radius: 1rem;
    box-shadow: 0 1px 3px rgba(0,0,0,0.07), 0 4px 16px rgba(0,0,0,0.04);
    margin: 3rem auto;
}

.how-it-works h2 {
    font-size: 1.75rem;
    color: var(--primary);
    margin-bottom: 1rem;
    text-align: center;
}

.section-intro {
    text-align: center;
    color: var(--text-muted);
    max-width: 700px;
    margin: 0 auto 2.5rem;
    font-size: 1.05rem;
}

.how-steps {
    display: grid;
    gap: 1.5rem;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
}

.how-step {
    padding: 1.5rem;
    background: var(--bg);
    border-radius: 0.75rem;
}

.how-step strong {
    display: block;
    margin-bottom: 0.5rem;
    color: var(--primary);
}

.result-box, .callout-box {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 0.75rem;
    padding: 1rem;
}

.result-box {
    margin-top: 1rem;
}
@media (max-width: 768px) {
    .container { padding: 0 1rem; }
    .page-hero { padding: 3rem 1rem 2.5rem; }
    .page-hero h1 { font-size: 2.1rem; }
    .section, .tab-content, .calc-card, .info-panel, .faq, .surface-card { padding: 1.25rem; }
}

/* ── Alert boxes ── */
.alert { padding: 1rem; border-radius: 8px; margin-bottom: 1rem; }
.alert-warning { background: #fef3c7; border-left: 4px solid var(--warning); color: var(--text); }
.alert-info    { background: #dbeafe; border-left: 4px solid var(--accent);  color: var(--text); }
.alert-success { background: #f0fdf4; border-left: 4px solid var(--success); color: var(--text); }

/* ── Guide table ── */
.guide-table { width: 100%; border-collapse: collapse; margin-top: 1.25rem; font-size: 0.87rem; }
.guide-table th { text-align: left; font-weight: 700; color: var(--primary); padding: 0.75rem; background: var(--bg); border-bottom: 2px solid var(--border); }
.guide-table td { padding: 0.75rem; border-bottom: 1px solid var(--border); color: var(--text-muted); vertical-align: top; line-height: 1.6; }
.guide-table tr:last-child td { border-bottom: none; }
.guide-topic { font-weight: 700; color: var(--primary); white-space: nowrap; }
.guide-ask { color: var(--text); }
.question-text { font-weight: 600; color: var(--text); margin-bottom: 0.5rem; }
.question-why { font-size: 0.9rem; color: var(--text-muted); }

/* ── Month cashflow cards ── */
.cash-flow-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(120px, 1fr)); gap: 0.75rem; }
@media (max-width: 768px) { .cash-flow-grid { grid-template-columns: repeat(2, 1fr); } }
.month-card { background: var(--surface); border: 2px solid var(--border); border-radius: 8px; padding: 1rem; text-align: center; }
.month-card.highlight { border-color: var(--success); background: #f0fdf4; }
.month-name { font-weight: 600; color: var(--text-muted); font-size: 0.9rem; margin-bottom: 0.5rem; }
.month-amount { font-family: 'JetBrains Mono', monospace; font-size: 1.25rem; font-weight: 700; color: var(--primary); }
.month-note { font-size: 0.8rem; color: var(--success); margin-top: 0.5rem; }

/* ── Questions list ── */
.questions-list { list-style: none; padding: 0; }
.questions-list li { background: var(--surface); padding: 1rem; border-left: 4px solid var(--accent); margin-bottom: 1rem; border-radius: 4px; }
.questions-list .question-why { display: block; margin-top: 0.35rem; }

/* ── Utility ── */
.hidden { display: none; }

/* ── SVG icon sizing ── */
.site-nav-links a svg { width: 0.95rem; height: 0.95rem; vertical-align: -0.1em; flex-shrink: 0; }
.tool-card-icon svg { width: 2rem; height: 2rem; color: var(--accent); }
.service-card-icon svg { width: 2.25rem; height: 2.25rem; color: var(--accent); }
.related-card-title svg { width: 1.1rem; height: 1.1rem; vertical-align: -0.15em; color: var(--accent); margin-right: 0.15rem; }
.why-item-icon svg { width: 1.75rem; height: 1.75rem; color: var(--accent); }
.profession-icon svg { width: 1.5rem; height: 1.5rem; }
.scenario-card-eyebrow svg { width: 0.85rem; height: 0.85rem; vertical-align: -0.1em; }
.icon { display: inline-block; width: 1em; height: 1em; vertical-align: -0.125em; }
.icon-sm { display: inline-block; width: 0.9em; height: 0.9em; vertical-align: -0.1em; }