*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  /* The Nest Planner — forest green + gold + cream */
  --navy:#143528;--navy-mid:#1c4435;--navy-light:#27583f;
  --gold:#c2a04a;--gold-light:#d8be7f;--gold-pale:#f1e9d2;--gold-deep:#8a6d23;
  --cream:#f6f2e9;--white:#fffdf8;--tp:#15302a;--ts:#4b5a51;--tm:#8b978d;
  --border:rgba(20,53,40,0.12);--r:5px;--rl:10px;
  --sage:#8f9e6b;--sage-soft:#e7ecdb;
  --green:#3f7d52;--green-soft:#eaf2ea;--red:#b14a30;--red-soft:#f7ece7;--coral:#c4654a;
  --shadow:0 6px 30px rgba(20,53,40,0.10);
}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;background:var(--cream);color:var(--tp);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Playfair Display',serif;line-height:1.16}
p{margin:0 0 .9rem}p:last-child{margin:0}
em{font-style:italic}

/* nav */
.nav{position:sticky;top:0;z-index:100;background:rgba(11,22,40,.97);backdrop-filter:blur(10px);border-bottom:1px solid rgba(201,168,76,.14)}
.nav-in{max-width:1080px;margin:0 auto;height:58px;padding:0 1.4rem;display:flex;align-items:center;justify-content:space-between}
.logo{display:inline-flex;align-items:center;font-family:'Playfair Display',serif;font-weight:700;font-size:1.02rem;color:#fff;text-decoration:none}
.logo-mark{height:30px;width:auto;margin-right:.5rem;flex-shrink:0}
.logo span{color:var(--gold)}
.nav-cta{background:var(--gold);color:var(--navy);font-size:.78rem;font-weight:500;padding:.45rem 1rem;border-radius:var(--r);text-decoration:none;transition:background .15s}
.nav-cta:hover{background:var(--gold-light)}

/* shared */
.section{padding:3.6rem 1.5rem}
.in{max-width:1080px;margin:0 auto}
.in-narrow{max-width:760px;margin:0 auto}
.sn{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.sn::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(201,168,76,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(201,168,76,.04) 1px,transparent 1px);background-size:55px 55px}
.sn>*{position:relative;z-index:1}
.sc{background:var(--cream)}.sw{background:var(--white)}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;padding:.3rem .9rem;border-radius:2rem;margin-bottom:1rem;font-size:.66rem;font-weight:500;letter-spacing:.14em;text-transform:uppercase}
.eyebrow.dark{background:rgba(201,168,76,.1);border:1px solid rgba(201,168,76,.2);color:var(--gold-light)}
.eyebrow.lite{background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.25);color:var(--gold-deep)}
.eyebrow .dot{width:6px;height:6px;border-radius:50%;background:var(--gold)}
.h-xl{font-size:clamp(1.8rem,4.4vw,3rem);font-weight:700}
.h-lg{font-size:clamp(1.5rem,3.2vw,2.2rem);font-weight:600}
.lede{font-size:1rem;color:var(--ts);max-width:600px}
.sn .lede{color:rgba(255,255,255,.55)}
.center{text-align:center}.center .lede{margin-left:auto;margin-right:auto}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-family:'DM Sans',sans-serif;font-size:.92rem;font-weight:500;padding:.85rem 1.8rem;border-radius:var(--r);border:none;cursor:pointer;text-decoration:none;transition:all .15s}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:var(--gold-light);transform:translateY(-1px)}
.btn-lg{font-size:1rem;padding:1rem 2.2rem;box-shadow:0 6px 24px rgba(201,168,76,.28)}
.hero-cta{text-align:center;margin-top:1.6rem}
.hero-cta-note{font-size:.72rem;color:rgba(255,255,255,.4);margin-top:.7rem}
.btn-ghost{background:transparent;color:rgba(255,255,255,.7);border:1px solid rgba(255,255,255,.22)}.btn-ghost:hover{border-color:rgba(255,255,255,.45);color:#fff}

/* ════ HERO ════ */
.hero{padding-top:3rem}
.hero-head{text-align:center;margin-bottom:1.8rem}
.hero h1{color:#fff;margin-bottom:.9rem}
.hero h1 em{color:var(--gold)}
.trust-strip{display:flex;flex-wrap:wrap;gap:1.2rem;justify-content:center;margin-top:1.2rem;font-size:.74rem;color:rgba(255,255,255,.4)}
.trust-strip span{display:inline-flex;align-items:center;gap:.4rem}
.trust-strip .tk{color:var(--gold-light)}

/* chart card */
.chart-card{background:rgba(255,255,255,.04);border:1px solid rgba(201,168,76,.22);border-radius:14px;padding:1.5rem;max-width:860px;margin:0 auto;backdrop-filter:blur(8px)}
.balance-row{display:flex;flex-direction:column;align-items:center;gap:.5rem;margin-bottom:.9rem;padding-bottom:1rem;border-bottom:1px solid rgba(201,168,76,.15)}
.balance-row label{font-size:.66rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-light)}
.amount-input{display:flex;align-items:center;justify-content:center;gap:.2rem;border:1.5px solid rgba(201,168,76,.5);border-radius:var(--r);padding:.4rem 1rem;background:rgba(255,255,255,.05)}
.amount-input:focus-within{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,168,76,.18)}
.amount-input .dollar{font-family:'Playfair Display',serif;font-size:1.4rem;font-weight:700;color:var(--gold-light)}
.amount-input input{border:none;background:transparent;font-family:'Playfair Display',serif;font-size:1.55rem;font-weight:700;color:#fff;width:100%;max-width:220px;text-align:center;outline:none}
.balance-slider{width:100%;max-width:340px;height:4px;-webkit-appearance:none;appearance:none;background:rgba(255,255,255,.14);border-radius:2px;outline:none;margin-top:.6rem;cursor:pointer}
.balance-slider::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--gold);cursor:pointer;border:2px solid var(--navy);box-shadow:0 1px 4px rgba(0,0,0,.35)}
.balance-slider::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--gold);cursor:pointer;border:2px solid var(--navy)}
.slider-ends{display:flex;justify-content:space-between;width:100%;max-width:340px;font-size:.62rem;color:rgba(255,255,255,.35);margin-top:.35rem;letter-spacing:.04em}
.hero-head .lede{max-width:620px;margin-left:auto;margin-right:auto;text-align:center}
/* "Pay Zero" headline treatment */
.gold-line{color:var(--gold);font-style:normal;display:inline}
.hw{font-family:'Caveat',cursive;font-weight:700;font-size:1.18em;position:relative;display:inline-block;line-height:.9;padding:0 .06em;color:var(--gold-light)}
.hw svg{position:absolute;left:-4%;bottom:-.16em;width:108%;height:.4em;overflow:visible}
.hw svg path{stroke:var(--gold-light);fill:none;stroke-width:3.2;stroke-linecap:round}
.cc-sub{font-size:.74rem;color:rgba(255,255,255,.4);text-align:center;margin-bottom:.9rem}
.legend{display:flex;flex-wrap:wrap;gap:1.4rem;justify-content:center;margin-bottom:.5rem}
.leg{display:flex;align-items:center;gap:.5rem;font-size:.78rem;color:rgba(255,255,255,.72)}
.leg .swatch{width:22px;height:3px;border-radius:2px}
.leg.l3 .swatch{background:var(--gold)}.leg.l2 .swatch{background:#c4654a}
svg.chart{display:block;width:100%;height:auto;overflow:visible}
.grid-line{stroke:rgba(255,255,255,.06);stroke-width:1}
.axis-label{fill:rgba(255,255,255,.32);font-size:11px}
.axis-title{fill:rgba(255,255,255,.28);font-size:10px;letter-spacing:.08em;text-transform:uppercase}
.path-line{fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}
.p3-line{stroke:var(--gold)}.p2-line{stroke:#c4654a}
.gap-fill{fill:rgba(201,168,76,.1)}
.cliff{stroke:#c4654a;stroke-width:1.5;stroke-dasharray:3 3;opacity:.55}
.end-label{font-family:'Playfair Display',serif;font-weight:700;font-size:13px}
.punch{background:rgba(201,168,76,.1);border:1px solid rgba(201,168,76,.25);border-radius:var(--rl);padding:.85rem 1.2rem;margin-top:1rem;text-align:center}
.punch p{font-size:.85rem;color:rgba(255,255,255,.7);margin:0}
.punch .big{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;color:var(--gold);display:block;margin:.15rem 0}

/* assumptions dropdown */
.assumptions{max-width:860px;margin:1rem auto 0;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:var(--rl);overflow:hidden}
.assumptions summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:.8rem;padding:.85rem 1.2rem;user-select:none}
.assumptions summary::-webkit-details-marker{display:none}
.assumptions .sum-label{font-weight:500;font-size:.86rem;color:#fff}
.assumptions .sum-meta{font-size:.74rem;color:rgba(255,255,255,.4);margin-left:auto}
.assumptions .sum-caret{color:var(--gold-light);transition:transform .2s}
.assumptions[open] .sum-caret{transform:rotate(180deg)}
.assumptions summary:hover{background:rgba(255,255,255,.03)}
.assumptions-body{padding:0 1.2rem 1.2rem;border-top:1px solid rgba(255,255,255,.08)}
.input-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.8rem;margin-top:1rem}
@media(max-width:620px){.input-grid{grid-template-columns:1fr 1fr}}
.input-card label{display:block;font-size:.7rem;font-weight:500;color:rgba(255,255,255,.5);margin-bottom:.3rem}
.input-card input{width:100%;padding:.5rem .7rem;border:1px solid rgba(255,255,255,.12);border-radius:var(--r);background:rgba(255,255,255,.06);color:#fff;font-family:'DM Sans',sans-serif;font-size:.86rem}
.input-card input:focus{outline:none;border-color:rgba(201,168,76,.5)}
.section-label{font-size:.66rem;font-weight:500;color:rgba(255,255,255,.4);text-transform:uppercase;letter-spacing:.08em;margin:1rem 0 .5rem}
.state-presets{display:flex;flex-wrap:wrap;gap:.4rem}
.state-btn{font-size:.72rem;font-weight:500;padding:.25rem .65rem;border-radius:2rem;border:1px solid rgba(255,255,255,.14);background:transparent;color:rgba(255,255,255,.5);cursor:pointer;transition:all .15s}
.state-btn:hover{border-color:rgba(201,168,76,.4);color:var(--gold-light)}
.state-btn.active{background:rgba(201,168,76,.16);border-color:rgba(201,168,76,.4);color:var(--gold-light)}
.checkbox-row{display:flex;align-items:center;gap:.5rem;font-size:.8rem;color:rgba(255,255,255,.5);margin-top:.9rem}
.checkbox-row input{width:15px;height:15px;accent-color:var(--gold)}

/* ════ COMPARISON ════ */
.cmp-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem;margin-top:1.8rem}
@media(max-width:680px){.cmp-grid{grid-template-columns:1fr}}
.cmp-card{border-radius:14px;padding:1.5rem;border:1px solid var(--border);background:var(--white);position:relative}
.cmp-card.win{border:2px solid var(--gold);box-shadow:var(--shadow)}
.cmp-tag{display:inline-block;font-size:.62rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;padding:.22rem .65rem;border-radius:2rem;margin-bottom:.7rem}
.cmp-card.win .cmp-tag{background:var(--gold);color:var(--navy)}
.cmp-card.lose .cmp-tag{background:var(--red-soft);color:var(--red);border:1px solid rgba(192,57,43,.2)}
.cmp-card h3{font-size:1.2rem;font-weight:600;color:var(--navy);margin-bottom:.2rem}
.cmp-card .cmp-sub{font-size:.76rem;color:var(--tm);margin-bottom:1rem}
.cmp-rows{margin-bottom:1rem}
.cmp-row{display:flex;justify-content:space-between;align-items:baseline;padding:.4rem 0;border-bottom:1px solid var(--border);font-size:.86rem}
.cmp-row:last-child{border-bottom:none}
.cmp-row span{color:var(--ts)}
.cmp-row strong{font-weight:500;color:var(--navy)}
.cmp-row strong.g{color:var(--green)}.cmp-row strong.r{color:var(--red)}
.surv{margin-top:.4rem}
.surv-lbl{display:flex;justify-content:space-between;font-size:.66rem;text-transform:uppercase;letter-spacing:.05em;color:var(--tm);margin-bottom:.35rem}
.surv-bar{height:30px;border-radius:6px;overflow:hidden;display:flex;border:1px solid var(--border);background:#f0eee8}
.surv-bar .keep{height:100%;display:flex;align-items:center;justify-content:center;font-size:.68rem;font-weight:500;color:#fff;white-space:nowrap}
.surv-bar .lost{height:100%;display:flex;align-items:center;justify-content:center;font-size:.64rem;color:#fff;white-space:nowrap}
.win .surv-bar .keep{width:100%;background:linear-gradient(90deg,var(--gold),var(--gold-light))}
.lose .surv-bar .lost{background:var(--red)}
.lose .surv-bar .keep{background:#9aa3a0}
.equiv{background:var(--navy);border-radius:12px;padding:1.3rem 1.5rem;margin-top:.6rem;display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:1.5rem;text-align:center}
.equiv-head{font-size:.95rem;font-weight:500;color:var(--navy);text-align:center;margin:1.8rem 0 .2rem}
.equiv .eq-item{display:flex;flex-direction:column}
.equiv .eq-num{font-family:'Playfair Display',serif;font-size:1.9rem;font-weight:700;line-height:1}
.equiv .eq-num.g{color:#6fcf97}.equiv .eq-num.a{color:var(--gold-light)}
.equiv .eq-lbl{font-size:.72rem;color:rgba(255,255,255,.45);margin-top:.25rem}
.equiv .eq-vs{font-size:.8rem;color:rgba(255,255,255,.35);font-style:italic}

/* ════ CTA block ════ */
.cta-band{background:var(--navy);border:1px solid rgba(201,168,76,.3);border-radius:14px;padding:1.7rem;max-width:620px;margin:0 auto;text-align:center;position:relative;overflow:hidden}
.cta-band::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(201,168,76,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(201,168,76,.05) 1px,transparent 1px);background-size:40px 40px}
.cta-inner{position:relative;z-index:1}
.cta-band h3{font-size:1.4rem;font-weight:700;color:#fff;margin-bottom:.5rem}
.cta-band h3 em{color:var(--gold-light)}
.cta-band p{font-size:.86rem;color:rgba(255,255,255,.55);max-width:440px;margin:0 auto 1.1rem}
.cta-form{display:flex;gap:.6rem;max-width:460px;margin:0 auto;flex-wrap:wrap}
.cta-form input{flex:1;min-width:140px;padding:.72rem .9rem;border:1px solid rgba(255,255,255,.15);border-radius:var(--r);background:rgba(255,255,255,.06);color:#fff;font-size:.88rem}
.cta-form input::placeholder{color:rgba(255,255,255,.35)}
.cta-form input:focus{outline:none;border-color:rgba(201,168,76,.55)}
.cta-form button{padding:.72rem 1.4rem;background:var(--gold);color:var(--navy);font-family:'DM Sans',sans-serif;font-size:.88rem;font-weight:500;border:none;border-radius:var(--r);cursor:pointer;white-space:nowrap;transition:background .15s}
.cta-form button:hover{background:var(--gold-light)}
.cta-success{display:none;color:#6fcf97;font-size:.92rem;font-weight:500;padding:.6rem 0}
.cta-success.show{display:block}
.cta-fine{font-size:.68rem;color:rgba(255,255,255,.3);margin-top:.8rem}

/* ════ ARGUMENT (rich use code) ════ */
.arg-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem;margin-top:2rem}
@media(max-width:740px){.arg-grid{grid-template-columns:1fr}}
.arg-card{background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.09);border-radius:var(--rl);padding:1.4rem}
.arg-num{font-family:'Playfair Display',serif;font-size:1.8rem;font-weight:700;color:rgba(201,168,76,.4);line-height:1;margin-bottom:.5rem}
.arg-card h4{font-family:'DM Sans',sans-serif;font-size:.95rem;font-weight:500;color:#fff;margin-bottom:.35rem}
.arg-card p{font-size:.82rem;color:rgba(255,255,255,.5);margin:0;line-height:1.6}

/* ════ STRATEGIES ════ */
.strat{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem;margin-top:2rem}
@media(max-width:720px){.strat{grid-template-columns:1fr}}
.strat-card{background:var(--white);border:1px solid var(--border);border-radius:14px;padding:1.7rem;box-shadow:var(--shadow)}
.strat-icon{width:46px;height:46px;border-radius:11px;background:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:1rem}
.strat-icon svg{width:24px;height:24px;stroke:var(--gold);fill:none;stroke-width:1.7}
.strat-tag{font-size:.62rem;font-weight:500;letter-spacing:.09em;text-transform:uppercase;color:var(--gold-deep);background:rgba(201,168,76,.1);padding:.2rem .6rem;border-radius:2rem;display:inline-block;margin-bottom:.6rem}
.strat-card h3{font-size:1.25rem;font-weight:600;color:var(--navy);margin-bottom:.3rem}
.strat-card .strat-mech{font-size:.74rem;color:var(--tm);margin-bottom:.9rem;font-weight:500}
.strat-card p{font-size:.86rem;color:var(--ts);line-height:1.65;margin-bottom:.9rem}
.strat-points{list-style:none;margin-bottom:1rem}
.strat-points li{font-size:.82rem;color:var(--ts);padding-left:1.4rem;position:relative;margin-bottom:.4rem}
.strat-points li::before{content:'§';position:absolute;left:0;color:var(--gold-deep);font-weight:700}
.strat-cite{font-size:.7rem;color:var(--tm);border-top:1px solid var(--border);padding-top:.7rem}

/* ════ OBBBA ════ */
.obbba-flag{display:inline-flex;align-items:center;gap:.45rem;background:rgba(255,90,90,.1);border:1px solid rgba(255,90,90,.25);padding:.25rem .8rem;border-radius:2rem;margin-bottom:1rem}
.obbba-flag .pdot{width:6px;height:6px;border-radius:50%;background:#ff6a6a;animation:pulse 1.6s ease-in-out infinite}
.obbba-flag span{font-size:.64rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:#ff9a9a}
.obbba-points{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem;margin-top:1.8rem}
@media(max-width:740px){.obbba-points{grid-template-columns:1fr}}
.obbba-pt{border-left:2px solid var(--gold);padding-left:1rem}
.obbba-pt h4{font-family:'DM Sans',sans-serif;font-size:.9rem;font-weight:500;color:#fff;margin-bottom:.3rem}
.obbba-pt p{font-size:.8rem;color:rgba(255,255,255,.5);margin:0;line-height:1.55}

/* ════ PROCESS ════ */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;margin-top:2rem}
@media(max-width:740px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:460px){.steps{grid-template-columns:1fr}}
.step{position:relative}
.step-num{width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--gold);font-family:'Playfair Display',serif;font-weight:700;font-size:1.15rem;display:flex;align-items:center;justify-content:center;margin-bottom:.85rem}
.step h4{font-family:'DM Sans',sans-serif;font-size:.96rem;font-weight:500;color:var(--navy);margin-bottom:.3rem}
.step p{font-size:.82rem;color:var(--ts);margin:0;line-height:1.6}
.step .when{font-size:.66rem;font-weight:500;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-deep);margin-top:.5rem;display:block}

/* footer */
.footer{background:var(--navy-mid);padding:2.2rem 1.5rem;border-top:1px solid rgba(201,168,76,.1)}
.footer-in{max-width:1080px;margin:0 auto;display:flex;flex-direction:column;gap:1.1rem}
.footer p{font-size:.68rem;color:rgba(255,255,255,.25);line-height:1.6;max-width:720px;margin:0}
.footer strong{color:rgba(255,255,255,.4)}
.footer .fc{font-size:.7rem;color:rgba(255,255,255,.2);white-space:nowrap}

@keyframes pulse{0%,100%{opacity:1}50%{opacity:.35}}

/* ═══════════ content / strategy pages ═══════════ */
.page-hero{background:var(--navy);padding:3.2rem 1.5rem 3.5rem;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(201,168,76,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(201,168,76,.04) 1px,transparent 1px);background-size:60px 60px}
.page-hero-inner{position:relative;z-index:1;max-width:820px;margin:0 auto}
.breadcrumb{display:flex;align-items:center;gap:.5rem;margin-bottom:1.4rem;flex-wrap:wrap}
.breadcrumb a{font-size:.78rem;color:rgba(255,255,255,.4);text-decoration:none}
.breadcrumb a:hover{color:var(--gold-light)}
.breadcrumb span{font-size:.78rem;color:rgba(255,255,255,.25)}
.strategy-tag{display:inline-block;font-size:.66rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);background:rgba(201,168,76,.12);padding:.3rem .8rem;border-radius:2rem;margin-bottom:1rem;border:1px solid rgba(201,168,76,.2)}
.page-hero h1{font-size:clamp(1.9rem,4vw,2.9rem);font-weight:700;color:#fff;margin-bottom:1.1rem;line-height:1.12}
.page-hero h1 em{color:var(--gold);font-style:italic}
.page-hero .lead{font-size:1.04rem;color:rgba(255,255,255,.6);line-height:1.7;max-width:680px;margin:0}
.hero-meta{display:flex;align-items:center;gap:1.4rem;flex-wrap:wrap;margin-top:1.6rem}
.meta-item{display:flex;align-items:center;gap:.4rem;font-size:.76rem;color:rgba(255,255,255,.4)}
.meta-dot{width:4px;height:4px;border-radius:50%;background:var(--gold)}

.tl-dr{background:var(--navy-mid);border-top:1px solid rgba(201,168,76,.15);border-bottom:1px solid rgba(201,168,76,.15);padding:1.8rem 1.5rem}
.tl-dr-inner{max-width:820px;margin:0 auto}
.tl-dr-label{font-size:.66rem;font-weight:500;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:.6rem}
.tl-dr p{font-size:.92rem;color:rgba(255,255,255,.7);line-height:1.65;margin:0}
.tl-dr strong{color:rgba(255,255,255,.92);font-weight:500}

.content-wrap{max-width:1100px;margin:0 auto;padding:3.5rem 1.5rem;display:grid;grid-template-columns:1fr 300px;gap:3.5rem;align-items:start}
@media(max-width:900px){.content-wrap{grid-template-columns:1fr}.sidebar{display:none}}
.article{max-width:720px;min-width:0}
.article h2{font-size:1.55rem;font-weight:600;color:var(--navy);margin:2.4rem 0 1rem;padding-top:2rem;border-top:1px solid var(--border)}
.article h2:first-child{border-top:none;padding-top:0;margin-top:0}
.article h3{font-size:1.18rem;font-weight:600;color:var(--navy);margin:1.8rem 0 .7rem}
.article p{font-size:.95rem;color:var(--ts);line-height:1.75;margin-bottom:1rem}
.article ul,.article ol{padding-left:1.4rem;margin:.8rem 0 1rem}
.article li{font-size:.93rem;color:var(--ts);line-height:1.7;margin-bottom:.4rem}
.article em{font-style:italic}
.irc-ref{display:inline-flex;align-items:center;gap:.3rem;background:rgba(201,168,76,.1);border:1px solid rgba(201,168,76,.25);border-radius:var(--r);padding:.1rem .5rem;font-size:.74rem;font-weight:500;color:var(--gold-deep);text-decoration:none;white-space:nowrap}
.callout{border-left:3px solid var(--gold);background:var(--gold-pale);padding:1.1rem 1.3rem;border-radius:0 var(--rl) var(--rl) 0;margin:1.4rem 0}
.callout p{font-size:.89rem;color:#5a4010;margin:0;line-height:1.65}
.callout strong{color:#3a2a08}
.warning{border-left:3px solid #e07c3a;background:#fef5ef;padding:1.1rem 1.3rem;border-radius:0 var(--rl) var(--rl) 0;margin:1.4rem 0}
.warning p{font-size:.88rem;color:#7a3a10;margin:0;line-height:1.65}
.warning-label{font-size:.66rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:#c05a20;margin-bottom:.4rem}
.scenario-table{width:100%;border-collapse:collapse;margin:1.4rem 0;font-size:.87rem}
.scenario-table th{background:var(--navy);color:rgba(255,255,255,.7);font-family:'DM Sans',sans-serif;font-weight:500;font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;padding:.7rem 1rem;text-align:left}
.scenario-table td{padding:.8rem 1rem;border-bottom:1px solid var(--border);color:var(--ts);vertical-align:top}
.scenario-table tr:last-child td{border-bottom:none}
.scenario-table tr:nth-child(even) td{background:rgba(11,22,40,.025)}
.scenario-table .total td{background:var(--navy);color:rgba(255,255,255,.85);font-weight:500}
.num{font-family:'Playfair Display',serif;font-weight:600}
.num-red{color:#c0392b}.num-green{color:#1a7a4a}
.step-list{list-style:none;padding:0;counter-reset:steps;margin:1rem 0 1.5rem}
.step-list li{counter-increment:steps;display:flex;gap:1rem;align-items:flex-start;margin-bottom:1.1rem}
.step-list li::before{content:counter(steps);min-width:28px;height:28px;border-radius:50%;background:var(--navy);color:var(--gold);font-size:.78rem;font-weight:600;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;font-family:'Playfair Display',serif}
.step-list li p{font-size:.93rem;color:var(--ts);margin:0;line-height:1.65}
.step-list li strong{color:var(--tp);font-weight:500}
.faq-section{margin-top:2.6rem}
.faq-section h2{font-size:1.55rem;font-weight:600;color:var(--navy);margin-bottom:1.4rem;padding-top:2rem;border-top:1px solid var(--border)}
.faq-item{border:1px solid var(--border);border-radius:var(--rl);margin-bottom:.7rem;overflow:hidden}
.faq-q{width:100%;background:none;border:none;padding:1.1rem 1.3rem;text-align:left;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;font-family:'DM Sans',sans-serif}
.faq-q:hover{background:rgba(11,22,40,.03)}
.faq-q span{font-size:.9rem;font-weight:500;color:var(--navy);line-height:1.4}
.faq-icon{width:20px;height:20px;border-radius:50%;border:1px solid rgba(201,168,76,.3);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:.9rem;color:var(--gold);transition:transform .2s;line-height:1}
.faq-item.open .faq-icon{transform:rotate(45deg)}
.faq-a{display:none;padding:0 1.3rem 1.1rem;font-size:.88rem;color:var(--ts);line-height:1.7;border-top:1px solid var(--border);padding-top:1rem}
.faq-item.open .faq-a{display:block}
.sidebar{position:sticky;top:78px}
.sidebar-card{background:var(--white);border:1px solid var(--border);border-radius:var(--rl);padding:1.4rem;margin-bottom:1.1rem}
.sidebar-card h4{font-family:'Playfair Display',serif;font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:.9rem;padding-bottom:.7rem;border-bottom:1px solid var(--border)}
.sidebar-card ul{list-style:none;padding:0}
.sidebar-card ul li{padding:.45rem 0;border-bottom:1px solid var(--border)}
.sidebar-card ul li:last-child{border-bottom:none;padding-bottom:0}
.sidebar-card ul a{font-size:.83rem;color:var(--ts);text-decoration:none;display:flex;align-items:center;gap:.4rem}
.sidebar-card ul a:hover{color:var(--gold)}
.sidebar-card ul a::before{content:'§';font-size:.7rem;color:var(--gold);opacity:.6}
.side-cta{background:var(--navy);border-radius:var(--rl);padding:1.4rem;text-align:center}
.side-cta h4{font-family:'Playfair Display',serif;font-size:1.05rem;font-weight:600;color:#fff;margin-bottom:.5rem}
.side-cta p{font-size:.82rem;color:rgba(255,255,255,.55);margin-bottom:1.1rem;line-height:1.55}
.side-cta .btn{width:100%;justify-content:center}

/* ═══════════ nav menu ═══════════ */
.nav-links{display:flex;align-items:center;gap:1.5rem;list-style:none}
.nav-links a{font-size:.8rem;font-weight:500;color:rgba(255,255,255,.62);text-decoration:none;transition:color .2s}
.nav-links a:hover{color:var(--gold-light)}
@media(max-width:820px){.nav-links{display:none}}

/* ═══════════ phase timeline (real estate) ═══════════ */
.phase-timeline{display:flex;flex-direction:column;gap:0;margin:1.5rem 0}
.phase{display:grid;grid-template-columns:110px 1fr;gap:1.4rem;position:relative;padding-bottom:2rem}
.phase:last-child{padding-bottom:0}
.phase::before{content:'';position:absolute;left:54px;top:32px;bottom:0;width:1px;background:rgba(201,168,76,.3)}
.phase:last-child::before{display:none}
.phase-num{text-align:right}
.phase-badge{display:inline-flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:50%;background:var(--navy);border:1px solid var(--gold);font-size:.75rem;font-weight:600;color:var(--gold);font-family:'Playfair Display',serif;float:right}
.phase-label{font-size:.66rem;color:var(--tm);margin-top:.3rem;text-align:right;line-height:1.3}
.phase-content h4{font-family:'DM Sans',sans-serif;font-size:.95rem;font-weight:500;color:var(--navy);margin-bottom:.4rem}
.phase-content p{font-size:.88rem;color:var(--ts);line-height:1.65;margin:0}
@media(max-width:560px){.phase{grid-template-columns:64px 1fr;gap:1rem}.phase::before{left:31px}}

/* ═══════════ math boxes (worked examples) ═══════════ */
.math-box{background:var(--white);border:1px solid var(--border);border-radius:var(--rl);padding:1.5rem;margin:1.4rem 0}
.math-box h4{font-family:'Playfair Display',serif;font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:1rem;padding-bottom:.7rem;border-bottom:1px solid var(--border)}
.math-row{display:flex;justify-content:space-between;align-items:baseline;padding:.5rem 0;border-bottom:1px solid var(--border);font-size:.9rem}
.math-row:last-of-type{border-bottom:none}
.math-label{color:var(--ts)}
.math-val{font-family:'Playfair Display',serif;font-weight:600;color:var(--navy)}
.math-val.green{color:#1a7a4a}.math-val.red{color:#c0392b}.math-val.gold{color:#8a6d1e}
.math-total{background:var(--navy);margin-top:.5rem;border-radius:var(--r);padding:.75rem 1rem;display:flex;justify-content:space-between;align-items:baseline}
.math-total .math-label{color:rgba(255,255,255,.6);font-weight:500}
.math-total .math-val{color:var(--gold-light)}

/* ═══════════ danger callout ═══════════ */
.danger{border-left:3px solid #c0392b;background:#fef2f2;padding:1.1rem 1.3rem;border-radius:0 var(--rl) var(--rl) 0;margin:1.4rem 0}
.danger p{font-size:.88rem;color:#8b1a1a;margin:0;line-height:1.65}
.danger-label{font-size:.66rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:#c0392b;margin-bottom:.4rem}

/* ═══════════ nav dropdown ═══════════ */
.nav-links .has-sub{position:relative}
.nav-links .has-sub>a::after{content:'▾';font-size:.6rem;margin-left:.3rem;opacity:.7}
.subnav{position:absolute;top:100%;left:-.6rem;background:var(--navy-mid);border:1px solid rgba(201,168,76,.18);border-radius:var(--r);padding:.35rem 0;min-width:150px;list-style:none;opacity:0;visibility:hidden;transform:translateY(6px);transition:all .15s;box-shadow:0 12px 30px rgba(0,0,0,.35);z-index:20}
.nav-links .has-sub:hover .subnav,.nav-links .has-sub:focus-within .subnav{opacity:1;visibility:visible;transform:translateY(0)}
.subnav li{padding:0;border:none}
.subnav a{display:block;padding:.5rem 1rem;font-size:.8rem;color:rgba(255,255,255,.72);white-space:nowrap}
.subnav a:hover{color:var(--gold-light);background:rgba(201,168,76,.08)}

/* ═══════════ strategy hub link ═══════════ */
.strat-link{display:inline-flex;align-items:center;gap:.4rem;font-size:.84rem;font-weight:500;color:var(--gold-deep);text-decoration:none;margin-top:.4rem;transition:gap .15s,color .15s}
.strat-link:hover{gap:.65rem;color:var(--gold)}
.calc-note{max-width:760px;margin:1.4rem auto 0;display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}
@media(max-width:640px){.calc-note{grid-template-columns:1fr}}
.calc-note .cn{background:var(--white);border:1px solid var(--border);border-radius:var(--rl);padding:1.2rem}
.calc-note .cn h4{font-family:'DM Sans',sans-serif;font-size:.9rem;font-weight:500;color:var(--navy);margin-bottom:.4rem}
.calc-note .cn p{font-size:.84rem;color:var(--ts);margin:0;line-height:1.6}

/* ═══════════ footer nav + placeholders ═══════════ */
.footer-nav{display:flex;flex-wrap:wrap;gap:1.2rem;border-top:1px solid rgba(201,168,76,.12);padding-top:1rem;width:100%}
.footer-nav a{font-size:.74rem;color:rgba(255,255,255,.5);text-decoration:none}
.footer-nav a:hover{color:var(--gold-light)}
.soon-badge{display:inline-block;font-size:.62rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-deep);background:rgba(194,160,74,.12);border:1px solid rgba(194,160,74,.25);padding:.2rem .65rem;border-radius:2rem;margin-bottom:1rem}
.stub{text-align:center;padding:1rem 0 .5rem}
.stub .btnrow{display:flex;gap:.7rem;justify-content:center;flex-wrap:wrap;margin-top:1.5rem}
.gl-term{border-top:1px solid var(--border);padding:1.1rem 0}
.gl-term:first-of-type{border-top:none}
.gl-term h3{font-size:1.05rem;font-weight:600;color:var(--navy);margin-bottom:.3rem}
.gl-term p{font-size:.9rem;color:var(--ts);margin:0;line-height:1.6}

/* ═══════════ master calculator ═══════════ */
.calc-card{background:rgba(255,255,255,.04);border:1px solid rgba(201,168,76,.18);border-radius:14px;padding:1.5rem;max-width:760px;margin:0 auto 1.2rem}
.calc-step{font-size:.68rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-light);margin:0 0 1rem;display:flex;align-items:center;gap:.5rem}
.calc-step .nn{width:20px;height:20px;border-radius:50%;background:var(--gold);color:var(--navy);font-family:'Playfair Display',serif;font-size:.72rem;display:inline-flex;align-items:center;justify-content:center}
.seg{display:inline-flex;flex-wrap:wrap;gap:.35rem;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:.3rem}
.seg-btn{font-size:.78rem;font-weight:500;padding:.45rem .85rem;border:none;border-radius:4px;background:transparent;color:rgba(255,255,255,.6);cursor:pointer;transition:all .15s;font-family:'DM Sans',sans-serif}
.seg-btn.active{background:var(--gold);color:var(--navy)}
.seg-btn:hover:not(.active){color:var(--gold-light)}
.acct-note{font-size:.78rem;color:rgba(255,255,255,.6);background:rgba(201,168,76,.08);border:1px solid rgba(201,168,76,.18);border-radius:var(--r);padding:.6rem .9rem;margin-top:.8rem;line-height:1.5}
.field-label{display:block;font-size:.7rem;font-weight:500;color:rgba(255,255,255,.55);margin:1rem 0 .4rem;text-transform:uppercase;letter-spacing:.05em}
.field-label:first-child{margin-top:0}
.conv-pct{width:100%;max-width:340px}
.conv-pct-out{font-size:.85rem;color:var(--gold-light);font-weight:500;margin-top:.3rem}
.taxout{background:linear-gradient(180deg,rgba(201,168,76,.12),rgba(255,255,255,.03));border:1px solid rgba(201,168,76,.32);border-radius:14px;padding:1.5rem;max-width:560px;margin:0 auto 1.4rem}
.taxout-big{text-align:center;margin-bottom:1rem;padding-bottom:1rem;border-bottom:1px solid rgba(201,168,76,.2)}
.taxout-big .n{font-family:'Playfair Display',serif;font-size:2.5rem;font-weight:700;color:var(--gold-light);display:block;line-height:1}
.taxout-big .l{font-size:.74rem;color:rgba(255,255,255,.55);text-transform:uppercase;letter-spacing:.08em;margin-top:.45rem}
.taxout-big .eff{font-size:.8rem;color:rgba(255,255,255,.65);margin-top:.5rem}
.taxout-row{display:flex;justify-content:space-between;font-size:.86rem;color:rgba(255,255,255,.7);padding:.42rem 0}
.taxout-row strong{color:#fff;font-weight:500;font-family:'Playfair Display',serif}
.taxout-row.sep{border-top:1px solid rgba(255,255,255,.1);margin-top:.3rem;padding-top:.6rem}

/* ═══════════ three-scenario chart + comparison ═══════════ */
.leg.l1 .swatch{background:var(--green)}
.p1-line{stroke:var(--green)}
.wmark{stroke:rgba(255,255,255,.35);stroke-width:1.5;stroke-dasharray:4 4}
.wmark-label{fill:rgba(255,255,255,.55);font-size:11px;font-family:'DM Sans',sans-serif}
.cmp-grid.three{grid-template-columns:repeat(3,1fr)}
@media(max-width:820px){.cmp-grid.three{grid-template-columns:1fr}}
.cmp-card.mid{border:1px solid rgba(63,125,82,.4)}
.cmp-card.mid .cmp-tag{background:var(--green-soft);color:var(--green);border:1px solid rgba(63,125,82,.25)}
.cmp-card .big-end{font-family:'Playfair Display',serif;font-size:1.9rem;font-weight:700;color:var(--navy);line-height:1;margin:.2rem 0 .15rem}
.cmp-card.win .big-end{color:var(--gold-deep)}
.cmp-card .end-lbl{font-size:.72rem;color:var(--tm);text-transform:uppercase;letter-spacing:.05em;margin-bottom:.9rem}
.cmp-card .row-mini{display:flex;justify-content:space-between;font-size:.83rem;color:var(--ts);padding:.32rem 0;border-top:1px solid var(--border)}
.cmp-card .row-mini strong{color:var(--tp);font-weight:600}
.cmp-card .note-mini{font-size:.76rem;color:var(--tm);margin-top:.8rem;line-height:1.5}

/* ═══════════ tabbed advanced inputs ═══════════ */
.tabs{display:flex;gap:.5rem;border-bottom:1px solid rgba(255,255,255,.12);margin-bottom:1.3rem;flex-wrap:wrap}
.tabbtn{background:none;border:none;border-bottom:2px solid transparent;color:rgba(255,255,255,.55);font-family:'DM Sans',sans-serif;font-size:.84rem;font-weight:500;padding:.5rem .35rem;cursor:pointer;margin-bottom:-1px;transition:color .15s}
.tabbtn.active{color:var(--gold-light);border-bottom-color:var(--gold)}
.tabbtn:hover:not(.active){color:#fff}
.tabpanel{animation:tabfade .2s ease}
@keyframes tabfade{from{opacity:0;transform:translateY(2px)}to{opacity:1;transform:none}}
.tax-note{font-size:.75rem;color:rgba(255,255,255,.5);line-height:1.5;margin-top:.5rem}
.rate-out{font-size:.85rem;color:var(--gold-light);font-weight:500;margin-top:.3rem}

/* ═══════════ year-by-year math tables ═══════════ */
.calc-details{border:1px solid var(--border);border-radius:var(--rl);margin-bottom:.8rem;background:var(--white);overflow:hidden}
.calc-details summary{cursor:pointer;padding:1rem 1.3rem;font-weight:600;color:var(--navy);font-family:'DM Sans',sans-serif;list-style:none;display:flex;justify-content:space-between;align-items:center;font-size:.95rem}
.calc-details summary::-webkit-details-marker{display:none}
.calc-details summary::after{content:'+';color:var(--gold-deep);font-size:1.3rem;line-height:1}
.calc-details[open] summary::after{content:'\2212'}
.calc-details[open] summary{border-bottom:1px solid var(--border)}
.calc-table-wrap{max-height:420px;overflow:auto}
.calc-table{width:100%;border-collapse:collapse;font-size:.78rem;font-family:'DM Sans',sans-serif}
.calc-table th,.calc-table td{padding:.45rem .8rem;text-align:right;white-space:nowrap;border-bottom:1px solid var(--border)}
.calc-table th:first-child,.calc-table td:first-child{text-align:left;position:sticky;left:0;background:var(--white)}
.calc-table thead th{position:sticky;top:0;background:var(--navy);color:#fff;font-weight:600;z-index:2;font-size:.72rem;text-transform:uppercase;letter-spacing:.03em}
.calc-table thead th:first-child{background:var(--navy);color:#fff;z-index:3}
.calc-table tbody tr:hover td{background:var(--cream)}
.calc-table tbody tr:hover td:first-child{background:var(--cream)}

/* ═══════════ year-by-year calculation tables ═══════════ */
details.calc-details{margin-bottom:.7rem;border:1px solid var(--border);border-radius:var(--r);background:var(--white)}
details.calc-details>summary{padding:.9rem 1.2rem;cursor:pointer;font-weight:600;color:var(--navy);font-family:'DM Sans',sans-serif;list-style:none;display:flex;justify-content:space-between;align-items:center}
details.calc-details>summary::-webkit-details-marker{display:none}
details.calc-details>summary .sm-tag{font-size:.72rem;font-weight:500;color:var(--tm)}
details.calc-details>summary::after{content:'+';color:var(--gold-deep);font-size:1.2rem;margin-left:1rem}
details.calc-details[open]>summary::after{content:'\2212'}
.table-wrap{overflow-x:auto;padding:0 1.2rem 1.2rem}
.calc-table{width:100%;border-collapse:collapse;font-size:.78rem;font-family:'DM Sans',sans-serif;min-width:560px}
.calc-table th{text-align:right;padding:.45rem .6rem;color:var(--navy);font-weight:600;border-bottom:2px solid var(--border);font-size:.68rem;text-transform:uppercase;letter-spacing:.03em;white-space:nowrap}
.calc-table th:first-child,.calc-table td:first-child{text-align:left}
.calc-table td{text-align:right;padding:.32rem .6rem;color:var(--ts);border-bottom:1px solid var(--border);white-space:nowrap}
.calc-table tbody tr:hover{background:var(--cream)}
.calc-table tr.wstart td{border-top:2px solid var(--gold);font-weight:500}

/* ═══════════ 4th scenario: laddered conversion ═══════════ */
.leg.l4 .swatch{background:#3a7ca5}
.p4-line{stroke:#3a7ca5}
.cmp-grid.four{grid-template-columns:repeat(4,1fr)}
@media(max-width:1000px){.cmp-grid.four{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.cmp-grid.four{grid-template-columns:1fr}}
.cmp-card.alt{border:1px solid rgba(58,124,165,.4)}
.cmp-card.alt .cmp-tag{background:rgba(58,124,165,.12);color:#2f6585;border:1px solid rgba(58,124,165,.25)}

/* ═══════════ Calculator: collapsible sidebar layout ═══════════ */
.calc-toolbar{max-width:1080px;margin:0 auto .9rem;display:flex;justify-content:flex-start}
.calc-toggle{background:rgba(201,168,76,.14);color:var(--gold-light);border:1px solid rgba(201,168,76,.3);border-radius:9px;font-family:'DM Sans',sans-serif;font-size:.8rem;font-weight:600;padding:.5rem .95rem;cursor:pointer;transition:all .15s}
.calc-toggle:hover{background:rgba(201,168,76,.24)}
.calc-layout{display:grid;grid-template-columns:340px minmax(0,1fr);gap:1.4rem;align-items:start;transition:grid-template-columns .28s ease}
.calc-layout.collapsed{grid-template-columns:0 minmax(0,1fr);gap:0}
.calc-sidebar{background:rgba(255,255,255,.04);border:1px solid rgba(201,168,76,.18);border-radius:14px;position:sticky;top:1rem;max-height:calc(100vh - 2rem);display:flex;flex-direction:column;overflow:hidden;transition:opacity .2s}
.calc-layout.collapsed .calc-sidebar{opacity:0;pointer-events:none}
.sidebar-head{display:flex;align-items:center;justify-content:space-between;padding:1rem 1.2rem;border-bottom:1px solid rgba(255,255,255,.1);flex-shrink:0}
.sidebar-title{font-size:.68rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-light);display:flex;align-items:center;gap:.5rem;white-space:nowrap}
.sidebar-title .nn{width:20px;height:20px;border-radius:50%;background:var(--gold);color:var(--navy);font-family:'Playfair Display',serif;font-size:.72rem;display:inline-flex;align-items:center;justify-content:center}
.sidebar-collapse{width:28px;height:28px;border-radius:7px;border:1px solid rgba(255,255,255,.15);background:transparent;color:rgba(255,255,255,.6);font-size:1.1rem;line-height:1;cursor:pointer;transition:all .15s;flex-shrink:0}
.sidebar-collapse:hover{border-color:var(--gold);color:var(--gold-light)}
.sidebar-scroll{overflow-y:auto;padding:.2rem 0 .6rem}
.side-group{border-bottom:1px solid rgba(255,255,255,.08)}
.side-group:last-child{border-bottom:none}
.side-group>summary{list-style:none;cursor:pointer;padding:.9rem 1.2rem;font-size:.82rem;font-weight:600;color:#fff;display:flex;align-items:center;justify-content:space-between;user-select:none}
.side-group>summary::-webkit-details-marker{display:none}
.side-group>summary::after{content:'+';color:var(--gold-light);font-size:1.1rem;font-weight:400;line-height:1}
.side-group[open]>summary::after{content:'\2013'}
.side-group>summary:hover{color:var(--gold-light)}
.side-body{padding:.1rem 1.2rem 1.2rem}
.num-field{width:100%;max-width:150px;padding:.5rem .75rem;border:1px solid rgba(255,255,255,.14);border-radius:var(--r);background:rgba(255,255,255,.06);color:#fff;font-family:'DM Sans',sans-serif;font-size:.92rem;outline:none}
.num-field:focus{border-color:rgba(201,168,76,.55)}
.checkbox-col{display:flex;flex-direction:column;gap:.1rem;margin-top:.5rem}
.checkbox-col .checkbox-row{align-items:flex-start}
/* sidebar variants of shared controls */
.calc-sidebar .amount-input{justify-content:flex-start;max-width:100%;padding:.4rem .8rem}
.calc-sidebar .amount-input input{font-size:1.25rem;text-align:left;max-width:100%}
.calc-sidebar .amount-input .dollar{font-size:1.15rem}
.calc-sidebar .conv-pct,.calc-sidebar .balance-slider{max-width:100%}
.calc-sidebar .slider-ends{max-width:100%}
.calc-sidebar .seg{display:flex;flex-wrap:wrap}
/* main column fills width */
.calc-main{min-width:0}
.calc-main .chart-card{max-width:100%;margin:0 0 1.2rem}
.calc-main .taxout{max-width:100%;margin:0}
/* hide number spinners as a safety net */
input[type=number]::-webkit-inner-spin-button,input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none;margin:0}
input[type=number]{-moz-appearance:textfield;appearance:textfield}
@media(max-width:900px){
  .calc-layout,.calc-layout.collapsed{grid-template-columns:1fr;gap:1.2rem}
  .calc-sidebar{position:static;max-height:none}
  .calc-layout.collapsed .calc-sidebar{display:none;opacity:1}
}

/* ═══════════ Themed scrollbar (sidebar) ═══════════ */
.sidebar-scroll{scrollbar-width:thin;scrollbar-color:rgba(201,168,76,.5) rgba(255,255,255,.05)}
.sidebar-scroll::-webkit-scrollbar{width:9px}
.sidebar-scroll::-webkit-scrollbar-track{background:rgba(255,255,255,.04);border-radius:8px}
.sidebar-scroll::-webkit-scrollbar-thumb{background:rgba(201,168,76,.45);border-radius:8px;border:2px solid transparent;background-clip:padding-box}
.sidebar-scroll::-webkit-scrollbar-thumb:hover{background:rgba(201,168,76,.7);background-clip:padding-box}

/* ═══════════ Income band (sustainable monthly draw per path) ═══════════ */
.income-band{background:var(--navy);border:1px solid rgba(201,168,76,.28);border-radius:14px;padding:1.3rem 1.4rem;margin-bottom:1.6rem}
.income-band-head{text-align:center;color:rgba(255,255,255,.7);font-size:.82rem;line-height:1.5;margin-bottom:1rem}
.income-band-head span{color:var(--gold-light);font-weight:600}
.income-row{display:grid;grid-template-columns:repeat(4,1fr);gap:.8rem}
.income-cell{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:11px;padding:.85rem .6rem;text-align:center}
.income-cell .ic-lbl{display:block;font-size:.72rem;color:rgba(255,255,255,.55);margin-bottom:.35rem}
.income-cell .ic-val{display:block;font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;color:#fff;line-height:1}
.income-cell.win{background:rgba(201,168,76,.14);border-color:rgba(201,168,76,.45)}
.income-cell.win .ic-val{color:var(--gold-light)}
@media(max-width:680px){.income-row{grid-template-columns:1fr 1fr}}

/* ═══════════ Year-by-year table tabs ═══════════ */
.tbl-tabs{display:flex;flex-wrap:wrap;gap:.4rem;justify-content:center;margin-bottom:1.2rem}
.tbl-tab{font-family:'DM Sans',sans-serif;font-size:.82rem;font-weight:500;padding:.5rem 1rem;border-radius:2rem;border:1px solid var(--border);background:transparent;color:var(--ts);cursor:pointer;transition:all .15s}
.tbl-tab:hover{border-color:var(--gold);color:var(--navy)}
.tbl-tab.active{background:var(--navy);color:#fff;border-color:var(--navy)}

/* ═══════════ Chart starting-balance badge ═══════════ */
.chart-card{position:relative}
.chart-balance{position:absolute;top:1.3rem;right:1.5rem;text-align:right;font-size:.66rem;letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.45);line-height:1.3}
.chart-balance strong{display:block;font-family:'Playfair Display',serif;font-size:1.15rem;font-weight:700;color:var(--gold-light);letter-spacing:0;text-transform:none;margin-top:.15rem}
@media(max-width:560px){.chart-balance{position:static;text-align:left;margin-bottom:.6rem}}

/* ═══════════ Results: stacked income / total-value blocks ═══════════ */
.result-block{margin-top:2rem}
.result-block:first-of-type{margin-top:1.4rem}
.result-head{text-align:center;margin-bottom:1.1rem}
.result-eyebrow{display:inline-block;font-size:.66rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);background:rgba(201,168,76,.1);border:1px solid rgba(201,168,76,.28);border-radius:2rem;padding:.25rem .8rem;margin-bottom:.7rem}
.result-h{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:600;color:var(--navy);margin-bottom:.3rem}
.result-sub{font-size:.86rem;color:var(--ts);max-width:560px;margin:0 auto}
.result-sub span{color:var(--navy);font-weight:600}
.income-band{margin-bottom:0}

/* ═══════════ Table tab hint ═══════════ */
.tbl-hint{text-align:center;color:var(--tm);font-size:.85rem;padding:1.6rem 1rem;border:1px dashed var(--border);border-radius:12px;background:rgba(20,53,40,.02)}

/* ═══════════ Pillar-page table of contents ═══════════ */
.toc{background:var(--cream);border:1px solid var(--border);border-left:3px solid var(--gold);border-radius:10px;padding:1.2rem 1.4rem;margin:1.6rem 0 2rem}
.toc h4{font-family:'DM Sans',sans-serif;font-size:.7rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep,#9a7d2e);margin-bottom:.7rem}
.toc ol{list-style:none;counter-reset:toc;margin:0;padding:0;columns:2;column-gap:1.6rem}
@media(max-width:600px){.toc ol{columns:1}}
.toc li{counter-increment:toc;margin:.28rem 0;break-inside:avoid}
.toc li a{color:var(--navy);text-decoration:none;font-size:.88rem;display:flex;gap:.5rem;align-items:baseline}
.toc li a::before{content:counter(toc,decimal-leading-zero);color:var(--gold);font-size:.72rem;font-weight:600;font-family:'DM Sans',sans-serif}
.toc li a:hover{color:var(--gold-deep,#9a7d2e);text-decoration:underline}
.deepdive{background:rgba(20,53,40,.03);border:1px dashed var(--border);border-radius:10px;padding:1rem 1.2rem;margin:1rem 0 1.8rem}
.deepdive .dd-lbl{font-size:.68rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--tm);display:block;margin-bottom:.4rem}
.deepdive a{color:var(--navy);font-weight:500}

/* ═══════════ Utility / content pages (about, legal, glossary) ═══════════ */
.prose{color:var(--ts);font-size:.95rem}
.prose>p:first-of-type{font-size:1.02rem}
.prose h2{font-family:'Playfair Display',serif;font-size:1.42rem;color:var(--navy);margin:2.1rem 0 .6rem}
.prose h3{font-family:'DM Sans',sans-serif;font-weight:600;font-size:1.04rem;color:var(--navy);margin:1.4rem 0 .4rem}
.prose p{margin:.7rem 0;line-height:1.7}
.prose ul{margin:.6rem 0 1rem;padding-left:1.2rem}
.prose li{margin:.32rem 0}
.prose a{color:#9a7d2e;font-weight:500}
.prose a:hover{text-decoration:underline}
.prose strong{color:var(--navy);font-weight:600}
.placeholder{background:rgba(201,168,76,.09);border:1px dashed rgba(201,168,76,.5);border-radius:8px;padding:.5rem .8rem;color:#7a6526;font-size:.9rem;font-style:italic;display:block;margin:.5rem 0}
.legal-meta{font-size:.82rem;color:var(--tm);border:1px solid var(--border);background:var(--cream);border-radius:8px;padding:.75rem 1rem;margin:0 0 1.6rem;line-height:1.6}
.gloss dt{font-family:'DM Sans',sans-serif;font-weight:600;color:var(--navy);margin-top:1.3rem;font-size:1.02rem;scroll-margin-top:90px}
.gloss dd{margin:.25rem 0 0;color:var(--ts);line-height:1.65}
.gloss dd a{color:#9a7d2e;font-weight:500}
.gloss-az{display:flex;flex-wrap:wrap;gap:.4rem;margin:1rem 0 1.6rem}
.gloss-az a{font-size:.8rem;font-weight:600;color:var(--navy);border:1px solid var(--border);border-radius:6px;width:30px;height:30px;display:inline-flex;align-items:center;justify-content:center;text-decoration:none}
.gloss-az a:hover{background:var(--navy);color:#fff}