:root {
  --bg: #f6f8fc;
  --bg-warm: #eef3fc;
  --surface: #ffffff;
  --ink: #0f172a;
  --muted: #475569;
  --subtle: #94a3b8;
  --primary: #1f54c4;
  --primary-hover: #173f97;
  --primary-fg: #ffffff;
  --line: #e2e8f0;
  --danger: #b91c1c;
  --warn: #92400e;
  --warn-soft: #fef3c7;
  --good-soft: #e7edfb;
  --danger-soft: #fee2e2;
  --gold: #f5c84a;
  --gold-soft: #fff6da;
  --gold-ink: #92400e;
  --shadow: 0 1px 2px rgba(15,23,42,0.05), 0 10px 26px -10px rgba(15,23,42,0.14);
  --shadow-hover: 0 14px 32px -12px rgba(15,23,42,0.20);
  --sans: "Outfit", "Avenir Next", "Segoe UI", system-ui, sans-serif;
  --serif: "Outfit", "Avenir Next", "Segoe UI", system-ui, sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, Menlo, monospace;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  background: var(--bg);
  color: var(--ink);
  font-family: var(--sans);
  line-height: 1.55;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; }
button { font-family: inherit; cursor: pointer; }
h1, h2, h3 { font-family: var(--serif); letter-spacing: -0.03em; text-wrap: balance; font-weight: 600; }
p { text-wrap: pretty; }
.wrap { width: 100%; max-width: 72rem; margin: 0 auto; padding: 0 1rem; }
@media (min-width: 640px) { .wrap { padding: 0 1.5rem; } }

header.site {
  position: sticky; top: 0; z-index: 40;
  background: color-mix(in srgb, var(--bg) 90%, transparent);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid color-mix(in srgb, var(--line) 80%, transparent);
}
.nav {
  display: flex; align-items: center; gap: 1.5rem; height: 4rem;
  max-width: 72rem; margin: 0 auto; padding: 0 1rem;
}
.brand { display: flex; align-items: center; gap: 0.65rem; }
.logo {
  width: 2rem; height: 2rem; border-radius: 6px; background: var(--primary);
  color: var(--primary-fg); display: grid; place-items: center;
  font-family: var(--serif); font-size: 13px; font-weight: 700;
}
.brand strong { display: block; font-family: var(--serif); font-size: 17px; font-weight: 600; }
.brand small { display: none; font-size: 11px; color: var(--muted); font-weight: 400; }
@media (min-width: 640px) { .brand small { display: block; } }
.nav-links { margin-left: auto; display: none; align-items: center; gap: 0.25rem; }
.nav-links a {
  border-radius: 6px; padding: 0.5rem 0.75rem; font-size: 14px; font-weight: 500; color: var(--muted);
}
.nav-links a:hover { background: var(--bg-warm); color: var(--ink); }
.nav-links a.active { background: var(--good-soft); color: var(--primary); }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  height: 2.75rem; padding: 0 1.25rem; border-radius: 8px; border: 0;
  font-size: 14px; font-weight: 500; background: var(--primary); color: var(--primary-fg);
}
.btn:hover { background: var(--primary-hover); }
.btn-lg { height: 3rem; padding: 0 1.5rem; font-size: 16px; border-radius: 12px; }
.btn-sm { height: 2.25rem; padding: 0 0.75rem; font-size: 13px; }
.btn-sec {
  background: var(--surface); color: var(--ink); box-shadow: var(--shadow);
}
.btn-sec:hover { box-shadow: var(--shadow-hover); background: var(--surface); }
.btn-ghost { background: transparent; color: var(--ink); }
.btn-ghost:hover { background: var(--bg-warm); }
.btn-outline { background: transparent; color: var(--ink); border: 1px solid var(--line); }
.btn:disabled { opacity: 0.45; pointer-events: none; }
.menu-btn {
  margin-left: auto; width: 2.75rem; height: 2.75rem; border: 0; background: transparent;
  display: grid; place-items: center; border-radius: 8px;
}
@media (min-width: 768px) {
  .nav-links { display: flex; }
  .menu-btn { display: none; }
  .nav { padding: 0 1.5rem; }
}
.mobile-nav { display: none; border-top: 1px solid var(--line); background: var(--surface); padding: 1rem; }
.mobile-nav.open { display: flex; flex-direction: column; gap: 0.25rem; }
.mobile-nav a { padding: 0.75rem 0.75rem; border-radius: 8px; font-weight: 500; }
.mobile-nav a:hover { background: var(--bg-warm); }

main { flex: 1; }
.kicker { font-size: 12px; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: var(--primary); }
.kicker.mute { color: var(--subtle); }
.hero { position: relative; overflow: hidden; border-bottom: 1px solid var(--line); }
.hero-inner { position: relative; display: grid; gap: 3rem; padding: 3.5rem 0 4rem; }
@media (min-width: 1024px) {
  .hero-inner { grid-template-columns: 1.15fr 0.85fr; align-items: end; padding: 5rem 0 6rem; }
}
.hero h1 { font-size: clamp(2.4rem, 5vw, 3.75rem); line-height: 1.08; }
.hero h1 em { font-style: italic; color: var(--primary); }
.lede { margin-top: 1.5rem; max-width: 36rem; font-size: 1.125rem; color: var(--muted); }
.actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 2rem; }
.paper-grid {
  pointer-events: none; position: absolute; inset: 0; opacity: 0.7;
  background-image:
    linear-gradient(rgba(28,25,20,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(28,25,20,0.035) 1px, transparent 1px);
  background-size: 32px 32px;
}
.compound {
  background: var(--surface); border-radius: 12px; box-shadow: var(--shadow); padding: 1.5rem;
}
.compound p.label { font-size: 11px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--subtle); }
.compound .big { font-family: var(--serif); font-size: 2rem; font-weight: 600; margin-top: 0.35rem; }
.compound .sub { color: var(--muted); font-size: 14px; margin-top: 0.25rem; }

.section { padding: 4rem 0; }
.section-head { display: flex; align-items: end; justify-content: space-between; gap: 1rem; }
.cards { display: grid; gap: 1rem; margin-top: 2rem; }
@media (min-width: 768px) { .cards.cols-2 { grid-template-columns: 1fr 1fr; } .cards.cols-3 { grid-template-columns: 1fr 1fr 1fr; } }
@media (min-width: 1024px) { .cards.cols-3 { grid-template-columns: 1fr 1fr 1fr; } .cards.feat { grid-template-columns: repeat(3, 1fr); } }
.card {
  background: var(--surface); border-radius: 12px; padding: 1.5rem; box-shadow: var(--shadow);
  transition: box-shadow 0.15s;
}
a.card:hover { box-shadow: var(--shadow-hover); }
.card .meta { font-size: 11px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--subtle); }
.card h3 { font-size: 1.25rem; margin-top: 0.5rem; }
.card p { margin-top: 0.5rem; font-size: 14px; color: var(--muted); }
.card .go { margin-top: 1.25rem; font-size: 14px; font-weight: 500; color: var(--primary); }

.band { border-block: 1px solid var(--line); background: var(--surface); }
.band.primary { background: var(--primary); color: var(--primary-fg); border: 0; }
.band.primary .kicker { color: color-mix(in srgb, var(--primary-fg) 70%, transparent); }
.band.primary p { color: color-mix(in srgb, var(--primary-fg) 80%, transparent); }
.quote { font-family: var(--serif); font-size: clamp(1.4rem, 3vw, 1.85rem); font-style: italic; line-height: 1.3; }

.rung-list { display: grid; gap: 0.5rem; font-size: 14px; }
@media (min-width: 640px) { .rung-list { grid-template-columns: 1fr 1fr; } }
.rung-list li {
  display: flex; align-items: center; gap: 0.75rem;
  border: 1px solid var(--line); background: var(--bg); border-radius: 8px; padding: 0.6rem 0.75rem;
}
.num {
  width: 1.75rem; height: 1.75rem; border-radius: 999px; background: var(--primary);
  color: var(--primary-fg); display: grid; place-items: center; font-family: var(--mono); font-size: 11px; font-weight: 600;
}

.cat-grid { display: grid; gap: 2.5rem; margin-top: 2.5rem; }
@media (min-width: 768px) { .cat-grid { grid-template-columns: 1fr 1fr; } }
.tool-list { margin-top: 1rem; border-block: 1px solid var(--line); }
.tool-list a {
  display: flex; justify-content: space-between; gap: 1rem; align-items: baseline;
  padding: 0.75rem 0; border-bottom: 1px solid var(--line); font-weight: 500;
}
.tool-list a:last-child { border-bottom: 0; }
.tool-list a:hover { color: var(--primary); }
.tool-list span.hl { display: none; font-size: 14px; font-weight: 400; color: var(--subtle); }
@media (min-width: 640px) { .tool-list span.hl { display: block; } }

.facts { display: grid; gap: 1.5rem; }
@media (min-width: 640px) { .facts { grid-template-columns: 1fr 1fr 1fr; } }
.fact { display: flex; gap: 0.75rem; }
.fact .ico { width: 2.5rem; height: 2.5rem; border-radius: 6px; background: var(--good-soft); color: var(--primary); display: grid; place-items: center; font-weight: 700; }
.fact strong { display: block; font-family: var(--serif); font-size: 1.5rem; }

footer.site { margin-top: auto; border-top: 1px solid var(--line); background: var(--surface); padding: 3rem 0; }
.foot-grid { display: grid; gap: 2.5rem; }
@media (min-width: 768px) { .foot-grid { grid-template-columns: 1.2fr 1fr 1fr; } }
footer h4 { font-family: var(--sans); font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--subtle); }
footer ul { list-style: none; margin-top: 0.75rem; }
footer li { margin-top: 0.5rem; font-size: 14px; }
footer a:hover { color: var(--primary); }
.disclaimer { margin-top: 2.5rem; max-width: 48rem; border-top: 1px solid var(--line); padding-top: 1.5rem; font-size: 12px; line-height: 1.6; color: var(--subtle); }

/* calc */
.calc-page { max-width: 72rem; margin: 0 auto; padding: 3rem 1rem 4rem; }
.calc-grid { display: grid; gap: 1.5rem; margin-top: 2rem; }
@media (min-width: 900px) { .calc-grid { grid-template-columns: 1fr 1fr; align-items: start; } }
.field { margin-bottom: 1.35rem; }
.field label { display: flex; justify-content: space-between; font-size: 14px; font-weight: 500; margin-bottom: 0.4rem; }
.field .val { font-family: var(--mono); font-size: 13px; color: var(--primary); }
.field input[type="range"] { width: 100%; accent-color: var(--primary); }
.field input[type="number"], .field input[type="text"], .field select, .search {
  width: 100%; height: 2.75rem; border: 1px solid var(--line); border-radius: 8px;
  background: var(--bg); padding: 0 0.75rem; font: inherit; color: var(--ink);
}
.result { background: var(--surface); border-radius: 12px; box-shadow: var(--shadow); padding: 1.5rem; }
.result .hero-l { font-size: 11px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--subtle); }
.result .hero-v { font-family: var(--serif); font-size: 2.25rem; font-weight: 600; margin-top: 0.25rem; }
.result .hero-s { color: var(--muted); font-size: 14px; }
.stats { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 1.25rem; }
.stats div { background: var(--bg); border-radius: 8px; padding: 0.75rem; }
.stats dt { font-size: 11px; color: var(--subtle); }
.stats dd { font-weight: 600; margin-top: 0.2rem; }
.stats .good { color: var(--primary); }
.stats .bad { color: var(--danger); }
.split { display: flex; height: 10px; border-radius: 99px; overflow: hidden; margin-top: 1rem; background: var(--bg-warm); }
.split i { display: block; height: 100%; background: var(--primary); }
.split i.b { background: var(--bg-warm); }
.note { margin-top: 1rem; font-size: 13px; color: var(--muted); line-height: 1.5; }
.table { width: 100%; border-collapse: collapse; font-size: 13px; margin-top: 1rem; }
.table th, .table td { text-align: right; padding: 0.4rem 0.5rem; border-bottom: 1px solid var(--line); }
.table th:first-child, .table td:first-child { text-align: left; }
.related { margin-top: 3rem; }
.related h2 { font-size: 1.25rem; }
.crumb { font-size: 13px; color: var(--muted); margin-bottom: 0.75rem; }
.crumb a:hover { color: var(--primary); }

/* score */
.score-page { max-width: 42rem; margin: 0 auto; padding: 3rem 1rem 4rem; }
.progress { margin-top: 2rem; }
.bar { height: 6px; background: var(--line); border-radius: 99px; overflow: hidden; margin-top: 0.5rem; }
.bar > i { display: block; height: 100%; background: var(--primary); width: 0; }
.qcard { margin-top: 2rem; background: var(--surface); border-radius: 12px; box-shadow: var(--shadow); padding: 1.75rem; }
.qcard h2 { font-size: 1.5rem; line-height: 1.3; }
.opts { display: flex; flex-direction: column; gap: 0.5rem; margin-top: 1.5rem; }
.opts button {
  min-height: 3rem; text-align: left; border: 1px solid var(--line); background: var(--bg);
  border-radius: 8px; padding: 0.75rem 1rem; font-size: 14px;
}
.opts button:hover { border-color: color-mix(in srgb, var(--ink) 20%, var(--line)); }
.opts button.sel { border-color: var(--primary); background: var(--good-soft); color: var(--primary); font-weight: 500; }
.ladder { list-style: none; margin-top: 1.5rem; }
.ladder li { display: flex; align-items: center; gap: 0.75rem; min-height: 2.75rem; border-radius: 8px; padding: 0.5rem 0.75rem; font-size: 14px; margin-top: 0.35rem; background: var(--bg); }
.ladder li.done { background: var(--good-soft); }
.ladder li.next { background: var(--warn-soft); }
.ladder li.blocked { background: var(--danger-soft); }
.flag { margin-top: 1.5rem; background: var(--warn-soft); color: var(--warn); border-radius: 8px; padding: 0.75rem 1rem; font-size: 14px; }

/* prudence */
.filters { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1.5rem; align-items: center; }
.search { max-width: 22rem; }
.chips { display: flex; flex-wrap: wrap; gap: 0.4rem; margin-top: 0.75rem; }
.chip {
  border: 1px solid var(--line); background: var(--surface); border-radius: 999px;
  padding: 0.35rem 0.75rem; font-size: 12px; font-weight: 500; color: var(--muted);
}
.chip.on { background: var(--primary); color: var(--primary-fg); border-color: var(--primary); }
.maxim { background: var(--surface); border-radius: 12px; box-shadow: var(--shadow); padding: 1.25rem 1.5rem; margin-top: 0.75rem; }
.maxim h3 { font-size: 1.1rem; }
.maxim .hd { color: var(--muted); font-size: 14px; margin-top: 0.35rem; }
.maxim .body { display: none; margin-top: 1rem; font-size: 15px; line-height: 1.65; }
.maxim.open .body { display: block; }
.maxim .tags { margin-top: 0.6rem; display: flex; gap: 0.4rem; flex-wrap: wrap; }
.tag { font-size: 10px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; background: var(--good-soft); color: var(--primary); border-radius: 4px; padding: 0.15rem 0.4rem; }
.ancient { font-family: var(--serif); font-style: italic; color: var(--muted); margin: 0.75rem 0; }

article.essay { max-width: 40rem; margin: 0 auto; padding: 3rem 1rem 4rem; }
article.essay p { font-size: 17px; line-height: 1.65; margin-top: 1.25rem; }
article.essay a:not(.btn) { color: var(--primary); text-decoration: underline; text-underline-offset: 3px; }

.prose h2 { font-size: 1.35rem; margin-top: 1.75rem; }
.prose p { margin-top: 0.75rem; color: var(--ink); }

@media (max-width: 767px) {
  .nav-cta { display: none; }
}

.hero h1 { margin-top: 0.85rem; }
.two-col { display: grid; gap: 2.5rem; }
@media (min-width: 1024px) { .two-col { grid-template-columns: 1fr 1fr; align-items: center; } }
@media (min-width: 768px) { .cards.feat { grid-template-columns: 1fr 1fr; } }
.nav-links a.btn {
  background: var(--primary);
  color: var(--primary-fg);
  height: 2.25rem;
  padding: 0 0.9rem;
  margin-left: 0.35rem;
}
.nav-links a.btn:hover { background: var(--primary-hover); color: var(--primary-fg); }
.maxim { cursor: pointer; }
.band.primary .quote { color: var(--primary-fg); }


/* ===== 37xBetter blue+gold re-skin (26 Aug 2026) ===== */
header.site{background:var(--primary);border-bottom:0;backdrop-filter:none}
.logo{background:var(--gold);color:var(--primary)}
.brand strong{color:var(--gold)}
.brand small{color:rgba(255,255,255,.8)}
.nav-links a{color:rgba(255,255,255,.82)}
.nav-links a:hover{background:rgba(255,255,255,.12);color:#fff}
.nav-links a.active{background:#fff;color:var(--primary);box-shadow:0 2px 0 var(--gold) inset;font-weight:700}
.menu-btn{color:#fff}
.mobile-nav{background:var(--primary);border-top:1px solid rgba(255,255,255,.15)}
.mobile-nav a{color:rgba(255,255,255,.9)}
.mobile-nav a:hover{background:rgba(255,255,255,.1)}
.nav-links a.nav-cta,.nav-cta{background:var(--gold);color:var(--primary)!important;font-weight:700;margin-left:.4rem}
.nav-links a.nav-cta:hover,.nav-cta:hover{background:#f2bd2c;color:var(--primary)}
.hero{background:linear-gradient(180deg,#eef3fc,var(--bg))}
.hero h1 em,.hero h1 .mark{font-style:normal;background:var(--gold);color:var(--ink);border-radius:7px;padding:0 .14em}
.kicker a{color:var(--primary);border-bottom:1px solid transparent}
.kicker a:hover{border-bottom-color:currentColor}
/* top-calculators hero panel */
.calc-panel{display:flex;flex-direction:column;gap:.6rem;justify-content:center}
.mini-card{display:block;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:.85rem 1rem;box-shadow:var(--shadow);transition:box-shadow .15s}
.mini-card:hover{box-shadow:var(--shadow-hover)}
.mini-card.hot{border-color:var(--gold);box-shadow:0 0 0 2px rgba(245,200,74,.35),var(--shadow)}
.mini-card .top{display:flex;align-items:center;gap:.5rem}
.mini-card .ic{font-size:1.05rem;line-height:1}
.mini-card h4{font-size:14.5px;font-weight:700;color:var(--ink);font-family:var(--sans)}
.mini-card p{font-size:12.5px;color:var(--muted);margin-top:.25rem}
.mini-card .go{display:inline-block;font-size:12.5px;font-weight:700;color:var(--primary);margin-top:.45rem}
/* lead-magnet capture (inline) */
.lm-card{background:var(--surface);border-radius:16px;box-shadow:var(--shadow);padding:1.5rem 1.6rem;border:1px solid var(--line);margin:2.5rem 0}
.lm-badge{display:inline-block;background:var(--gold-soft);color:var(--gold-ink);font-weight:800;font-size:11px;text-transform:uppercase;letter-spacing:.05em;padding:.28rem .7rem;border-radius:999px;margin-bottom:.7rem}
.lm-card h3{font-size:1.3rem;font-weight:800;letter-spacing:-.02em;font-family:var(--sans)}
.lm-card .lm-desc{color:var(--muted);font-size:14.5px;margin:.5rem 0 .8rem}
.lm-list{font-size:13.5px;color:#475569;margin:0 0 1rem;padding-left:1.15rem}
.lm-list li{margin:.2rem 0}
.lm-form input[type=email],.lm-form input[type=text]{width:100%;margin-bottom:.6rem;padding:.7rem .85rem;border:1px solid var(--line);border-radius:10px;font-size:15px;font-family:inherit;font-weight:600;background:var(--bg);color:var(--ink)}
.lm-form input:focus{outline:none;border-color:var(--primary);background:#fff;box-shadow:0 0 0 3px var(--good-soft)}
.lm-consent{display:flex;gap:.5rem;align-items:flex-start;font-size:12px;color:var(--muted);margin:.15rem 0 .9rem}
.lm-consent input{margin-top:.15rem}
.lm-submit{width:100%;border:0;background:var(--primary);color:#fff;font-weight:800;padding:.85rem;border-radius:11px;cursor:pointer;font-family:inherit;font-size:15px}
.lm-submit:hover{background:var(--primary-hover)}
.lm-fine{font-size:11px;color:#94a3b8;text-align:center;margin-top:.65rem}
.lm-ok{display:none;text-align:center;padding:.5rem 0}
.lm-card.done .lm-body{display:none}
.lm-card.done .lm-ok{display:block}
.lm-ok .tick{width:54px;height:54px;border-radius:50%;background:#dcfce7;color:#16a34a;display:grid;place-items:center;font-size:28px;margin:0 auto .75rem}
.lm-ok h3{font-weight:800;font-size:1.25rem;font-family:var(--sans)}
.lm-ok p{color:var(--muted);font-size:14px;margin-top:.35rem}
.lm-ok .dl{margin-top:1rem}
/* related cross-links */
.related-box{margin-top:2.5rem;border-top:1px solid var(--line);padding-top:1.25rem}
.related-box .kicker{margin-bottom:.5rem}
.related-links{display:flex;flex-wrap:wrap;gap:.6rem}
.related-links a{display:inline-flex;align-items:center;gap:.4rem;font-size:13.5px;font-weight:600;color:var(--primary);border:1px solid var(--line);border-radius:8px;padding:.5rem .8rem;background:var(--surface)}
.related-links a:hover{border-color:var(--primary)}
/* footer email signup */
.foot-signup{background:var(--primary);color:#fff;border-radius:14px;padding:1.5rem 1.6rem;margin-bottom:2.5rem;display:grid;gap:1rem}
@media(min-width:720px){.foot-signup{grid-template-columns:1.25fr 1fr;align-items:center}}
.foot-signup h3{color:#fff;font-size:1.3rem;font-weight:800;font-family:var(--sans)}
.foot-signup p{color:rgba(255,255,255,.85);font-size:14px;margin-top:.3rem}
.foot-signup form{display:flex;gap:.5rem;flex-wrap:wrap}
.foot-signup input{flex:1 1 12rem;height:2.75rem;border:0;border-radius:9px;padding:0 .85rem;font:inherit;font-weight:600;color:var(--ink)}
.foot-signup button{height:2.75rem;border:0;border-radius:9px;padding:0 1.2rem;background:var(--gold);color:var(--primary);font-weight:800;font-family:inherit;cursor:pointer}
.foot-signup button:hover{background:#f2bd2c}
.foot-signup .fine{grid-column:1/-1;font-size:11px;color:rgba(255,255,255,.7)}
/* breadcrumb + save-as-pdf */
.crumb a{color:var(--primary)}
.save-pdf{margin-top:1rem}

/* homepage-panel-v2 */
.kicker a{text-decoration:underline;text-underline-offset:2px;border-bottom:0}
.calc-panel{display:grid;grid-template-columns:1fr 1fr;gap:.7rem;align-content:center}
.calc-panel>.kicker{grid-column:1/-1}
.mini-card.feat{grid-column:1/-1}

/* calc-extras-v1 */
.related-links .save-pdf{display:inline-flex;align-items:center;gap:.4rem;font-size:13.5px;font-weight:600;color:var(--primary);border:1px solid var(--line);border-radius:8px;padding:.5rem .8rem;background:var(--surface);cursor:pointer;font-family:inherit}
.related-links .save-pdf:hover{border-color:var(--primary)}
@media print{
  header.site,footer.site,.related,.related-box,.crumb,.foot-signup,.menu-btn,.mobile-nav{display:none!important}
  body{background:#fff}
  .calc-page{padding:0}
  .card,.result{box-shadow:none;border:1px solid #cbd5e1}
}

/* calc-faq-v1 */
.calc-faq{max-width:72rem;margin:0 auto;padding:2rem 1rem 0}
.calc-faq .fh{font-size:1.35rem;font-weight:800;font-family:var(--sans)}
.calc-faq .intro{font-size:15px;color:var(--muted);max-width:46rem;margin-top:.5rem}
.calc-faq .q{font-weight:700;margin-top:1.15rem}
.calc-faq .a{color:var(--muted);margin-top:.3rem;max-width:46rem}

/* faq-links-polish-v2 (equal-size Go-deeper buttons; coloured FAQ hierarchy) */
.related-links a,.related-links button,.related-links .save-pdf{
  box-sizing:border-box;height:2.5rem;padding:0 .9rem;line-height:1;
  display:inline-flex;align-items:center;gap:.4rem;font-size:13.5px;font-weight:600;font-family:inherit;
  color:var(--primary);border:1px solid var(--line);border-radius:8px;background:var(--surface);cursor:pointer;
}
.related-links a:hover,.related-links button:hover{border-color:var(--primary);color:var(--primary)}
.calc-faq .fh{font-family:var(--sans);font-size:1.3rem;font-weight:800;letter-spacing:-.02em;color:var(--ink)}
.calc-faq .intro{font-size:15px;color:var(--muted);margin:.5rem 0 1.25rem;line-height:1.6}
.calc-faq .q{font-weight:700;font-size:15.5px;color:var(--primary);margin-top:1.1rem;padding-top:1.1rem;border-top:1px solid var(--line)}
.calc-faq .a{color:var(--ink);margin-top:.4rem;line-height:1.65}

/* legal-footer-v1 */
.foot-legal{margin-top:1.25rem;font-size:12px;color:var(--subtle)}
.foot-legal a{color:var(--muted);text-decoration:none;border-bottom:1px solid var(--line)}
.foot-legal a:hover{color:var(--primary);border-color:var(--primary)}
.foot-legal span{color:var(--subtle)}
.foot-signup .fine a{color:#fff;text-decoration:underline}
.lm-fine a{color:var(--primary);text-decoration:underline}

/* trust-signals-v1 */
.byline{font-size:12.5px;color:var(--subtle);margin-top:.6rem;font-family:var(--sans)}
.rate-note{font-size:12.5px;color:var(--muted);margin-top:.75rem;padding:.55rem .8rem;background:var(--surface);border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:7px;line-height:1.5}


/* prudence-detail-v1 */
.mx-tag{display:inline-block;font-size:11.5px;font-weight:600;letter-spacing:.03em;color:var(--primary);background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:.2rem .65rem}
.mx-ancient{font-family:var(--serif);font-size:1.15rem;line-height:1.65;color:var(--ink);border-left:3px solid var(--gold);padding:.3rem 0 .3rem 1.1rem;margin:1.5rem 0 .4rem;font-style:italic}
.mx-credit{font-size:12px;color:var(--subtle);margin:0 0 1.25rem}
.mx-h{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--primary);margin-top:1.75rem}
.mx-body p{margin-top:.6rem;line-height:1.7}
.mx-list{margin:.35rem 0 0 1.1rem;padding:0 0 0 .1rem}
.mx-list li{margin-top:.35rem;line-height:1.6}
.mx-closing{margin-top:1.5rem;font-style:italic;color:var(--muted)}
.mx-nav{display:flex;justify-content:space-between;gap:1rem;margin-top:2.5rem;border-top:1px solid var(--line);padding-top:1.25rem;font-size:14px}
.mx-nav a{color:var(--primary);text-decoration:none;font-weight:600}
.mx-nav a:hover{text-decoration:underline}
.mx-nav .disabled{color:var(--subtle);pointer-events:none;font-weight:600}
/* prudence-index-v1 */
.mx-card{display:block;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:1rem 1.15rem;margin-top:.75rem;text-decoration:none;color:var(--ink)}
.mx-card:hover{border-color:var(--primary);box-shadow:var(--shadow)}
.mx-card-h{display:block;font-weight:700;font-size:1.05rem}
.mx-card-n{color:var(--primary)}
.mx-card-hd{display:block;color:var(--muted);font-size:14px;margin-top:.3rem;line-height:1.5}
.mx-card .mx-tag{margin-top:.6rem}
.mx-index-wrap{margin-top:2.5rem;border-top:1px solid var(--line);padding-top:1.25rem}
.mx-index-wrap summary{cursor:pointer;font-weight:700;color:var(--primary)}
.mx-index{list-style:none;margin:1rem 0 0;padding:0;columns:2 15rem;column-gap:1.5rem;font-size:14px}
.mx-index li{margin-bottom:.4rem;break-inside:avoid}
.mx-index a{color:var(--ink);text-decoration:none}
.mx-index a:hover{color:var(--primary);text-decoration:underline}

/* prudence-detail-v2 */
.mx-permalink{margin-top:1.75rem;font-size:13px;color:var(--subtle);letter-spacing:.02em}
.mx-permalink a{color:var(--primary);text-decoration:none;font-weight:700}
.mx-permalink a:hover{text-decoration:underline}

/* prudence-share-v1 */
.mx-share{margin-top:1.75rem;display:flex;flex-wrap:wrap;align-items:center;gap:.55rem}
.mx-share-label{font-size:13px;font-weight:700;color:var(--ink);margin-right:.25rem}
.mx-share-btn{display:inline-flex;align-items:center;gap:.35rem;height:2.25rem;padding:0 .85rem;font-size:13px;font-weight:600;font-family:inherit;color:var(--primary);background:var(--surface);border:1px solid var(--line);border-radius:8px;text-decoration:none;cursor:pointer}
.mx-share-btn:hover{border-color:var(--primary)}

/* money-compass-v1 */
.mc-card{margin-top:1.5rem}
.mc-tier{border-radius:12px;background:var(--primary);color:#fff;padding:1.25rem 1.4rem}
.mc-tier-badge{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--primary);background:var(--gold);border-radius:999px;padding:.25rem .7rem}
.mc-tier-name{color:#fff;font-family:var(--sans);font-size:1.7rem;font-weight:800;margin-top:.6rem;letter-spacing:-.02em}
.mc-tier-blurb{color:rgba(255,255,255,.9);font-size:14.5px;margin-top:.4rem;line-height:1.55}
.mc-ladder{display:flex;gap:.4rem;margin-top:1rem;flex-wrap:wrap}
.mc-rung{width:1.9rem;height:1.9rem;border-radius:7px;display:grid;place-items:center;font-size:13px;font-weight:700;background:rgba(255,255,255,.15);color:rgba(255,255,255,.75)}
.mc-rung.done{background:var(--gold);color:var(--primary)}
.mc-rung.here{background:#fff;color:var(--primary);box-shadow:0 0 0 3px rgba(255,255,255,.35)}
.mc-h{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--primary);margin-top:1.75rem}
.mc-grid{display:grid;gap:.75rem;margin-top:.7rem;grid-template-columns:1fr}
@media(min-width:640px){.mc-grid{grid-template-columns:1fr 1fr 1fr}}
.mc-tile{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:.9rem 1rem;display:flex;flex-direction:column;gap:.15rem}
.mc-tile-cap{font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--subtle)}
.mc-tile-big{font-family:var(--serif);font-size:2rem;font-weight:600;color:var(--ink);line-height:1.1}
.mc-tile-unit{font-family:var(--sans);font-size:.9rem;font-weight:500;color:var(--muted)}
.mc-tile-note{font-size:12.5px;color:var(--muted);line-height:1.45;margin-top:.15rem}
.mc-decade{margin-top:.6rem;font-size:14px;line-height:1.6}
.mc-decade p{margin-top:.35rem}
.mc-move{margin-top:1.5rem;border-left:3px solid var(--gold);background:var(--surface);border:1px solid var(--line);border-left-width:3px;border-radius:0 10px 10px 0;padding:1rem 1.2rem}
.mc-move-cap{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#8a6d00}
.mc-move p{font-size:15.5px;line-height:1.65;margin-top:.35rem;color:var(--ink)}
.mc-move .btn{margin-top:.9rem}
.mc-foot{margin-top:1.5rem;font-size:11.5px;color:var(--subtle);line-height:1.55;border-top:1px solid var(--line);padding-top:1rem}

/* money-checkup-v2 */
.mc-title{font-family:var(--serif);font-size:2rem;font-weight:600;color:var(--ink);margin-top:.2rem}
.mc-tabs{display:flex;gap:.3rem;background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:.3rem;margin-top:1rem}
.mc-tab{flex:1;border:0;background:transparent;padding:.6rem .5rem;border-radius:7px;font:inherit;font-weight:600;font-size:13.5px;color:var(--muted);cursor:pointer}
.mc-tab.active{background:var(--primary);color:#fff}
.mc-panel{display:none;margin-top:1.25rem}
.mc-panel.active{display:block}
.mc-lead{font-size:14.5px;color:var(--muted);line-height:1.55;margin-bottom:.5rem}
.mc-tcard{display:flex;gap:.9rem;align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:1rem 1.15rem;margin-top:.7rem}
.mc-tcard.current{border-color:var(--gold);box-shadow:0 0 0 2px rgba(245,200,74,.35)}
.mc-tcard.upcoming{opacity:.6}
.mc-ticon{flex:none;width:1.7rem;height:1.7rem;border-radius:50%;display:grid;place-items:center;font-size:13px;font-weight:800;color:#fff;background:var(--subtle)}
.mc-tcard.done .mc-ticon{background:#16a34a}
.mc-tcard.current .mc-ticon{background:var(--gold);color:var(--primary)}
.mc-tstat{font-size:10.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--subtle)}
.mc-tcard.done .mc-tstat{color:#16a34a}
.mc-tcard.current .mc-tstat{color:#a9770a}
.mc-tname{font-size:1.05rem;font-weight:700;margin-top:.15rem;color:var(--ink)}
.mc-tline{font-size:13.5px;color:var(--muted);margin-top:.25rem;line-height:1.5}
.mc-level-head{text-align:center;padding:.4rem 0 1rem}
.mc-level-badge{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--primary);background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:.25rem .7rem}
.mc-level-name{font-family:var(--serif);font-size:2.2rem;font-weight:600;margin-top:.5rem;color:var(--ink)}
.mc-level-range{color:var(--muted);font-size:14px;margin-top:.2rem}
.mc-thermo{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:.4rem .9rem}
.mc-lvl{display:flex;align-items:center;gap:.7rem;padding:.55rem 0;border-bottom:1px solid var(--line);opacity:.5}
.mc-lvl:last-child{border-bottom:0}
.mc-lvl.filled,.mc-lvl.here{opacity:1}
.mc-dot{flex:none;width:.85rem;height:.85rem;border-radius:50%;background:transparent;border:2px solid var(--line)}
.mc-lvl.filled .mc-dot{background:#16a34a;border-color:#16a34a}
.mc-lvl.here .mc-dot{background:var(--gold);border-color:var(--gold)}
.mc-lvl-txt{font-size:13.5px;color:var(--ink)}
.mc-lvl-range{color:var(--subtle);font-size:12px}
.mc-here{display:inline-block;font-size:10px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--primary);background:var(--gold);border-radius:4px;padding:.1rem .35rem;margin-left:.3rem}
.mc-note{margin-top:1rem;border-radius:10px;padding:.8rem 1rem;font-size:14px;line-height:1.5}
.mc-note.good{background:#f0fdf4;border:1px solid #bbf7d0;color:#14532d}
.mc-note.warn{background:#fffbeb;border:1px solid #fde68a;color:#78350f}
.mc-fi{margin-top:1.1rem}
.mc-fi-head{display:flex;justify-content:space-between;font-size:12.5px;font-weight:700;color:var(--muted)}
.mc-fibar{height:.6rem;background:var(--bg);border:1px solid var(--line);border-radius:999px;overflow:hidden;margin-top:.35rem}
.mc-fibar i{display:block;height:100%;background:var(--primary)}
.mc-fi-note{font-size:13px;color:var(--muted);margin-top:.5rem;line-height:1.55}
.mc-dec-head{text-align:center;padding:.3rem 0 1rem}
.mc-kicker-gold{font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#a9770a}
.mc-dec-name{font-family:var(--serif);font-size:1.9rem;font-weight:600;margin-top:.3rem;color:var(--ink)}
.mc-dec-focus{color:var(--muted);font-size:14px;margin-top:.3rem}
.mc-ro{display:grid;gap:.7rem;margin-top:.3rem}
@media(min-width:560px){.mc-ro{grid-template-columns:1fr 1fr}}
.mc-risk,.mc-opp{border-radius:10px;padding:.85rem 1rem;font-size:13.5px;line-height:1.5}
.mc-risk{background:#fef2f2;border:1px solid #fecaca}
.mc-opp{background:#f0fdf4;border:1px solid #bbf7d0}
.mc-ro-cap{display:block;font-size:10.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:.25rem}
.mc-risk .mc-ro-cap{color:#b91c1c}
.mc-opp .mc-ro-cap{color:#15803d}
.mc-risk p,.mc-opp p{color:var(--ink)}
.mc-play{margin-top:1rem;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:1rem 1.15rem}
.mc-play-cap{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--primary)}
.mc-play ol{margin:.6rem 0 0;padding-left:1.2rem}
.mc-play li{font-size:14px;line-height:1.6;margin-top:.45rem;color:var(--ink)}
.mc-move{margin-top:1.5rem;background:var(--primary);border:0;border-left:0;border-radius:12px;padding:1.25rem 1.4rem}
.mc-move-cap{display:block;font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold)}
.mc-move p{color:#fff;font-size:15.5px;line-height:1.6;margin-top:.4rem}
.mc-move-btn{margin-top:1rem;background:var(--gold);color:var(--primary);border:0}
.mc-move-btn:hover{background:#f2bd2c}

/* money-checkup-v3 (numeric inputs + intro) */
.mc-intro h2{font-size:1.4rem}
.mc-intro p{margin-top:.6rem;font-size:15px;color:var(--muted);line-height:1.6}
.mc-intro .btn{margin-top:1.25rem}
.numval{font-family:var(--serif);font-size:2.2rem;font-weight:600;color:var(--primary);margin:1rem 0 .5rem}
.numslider{width:100%;accent-color:var(--primary);height:1.5rem;cursor:pointer}
.numbox-row{display:flex;align-items:center;gap:.4rem;margin-top:.75rem}
.numprefix{font-size:1.1rem;font-weight:700;color:var(--muted)}
.numbox{flex:1;max-width:12rem;height:2.6rem;border:1px solid var(--line);border-radius:8px;padding:0 .7rem;font:inherit;font-size:1rem;font-weight:600;color:var(--ink);background:var(--bg)}
.numbox:focus{outline:2px solid var(--gold);border-color:var(--primary)}
.numsuf{font-size:14px;color:var(--muted)}
.mc-tlink{display:inline-block;margin-top:.2rem;font-size:12.5px;font-weight:700;color:var(--primary);text-decoration:none}
.mc-tlink:hover{text-decoration:underline}
.mc-nuance{font-size:13px;color:var(--muted);line-height:1.55;margin-top:1rem;padding:.7rem .9rem;background:var(--bg);border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:0 8px 8px 0}
.mc-note a{color:inherit;font-weight:700}
.mc-fi-note a,.mc-tline a.mc-tlink{color:var(--primary)}

/* money-checkup-v4 (FI meter + separator) */
.mc-fimeter{display:flex;gap:1.4rem;align-items:center;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:1.4rem 1.5rem;margin-top:1rem}
.fim-thermo{display:flex;gap:.7rem;height:200px;flex:none}
.fim-track{position:relative;width:22px;height:100%;background:var(--bg);border:1px solid var(--line);border-radius:999px;overflow:hidden}
.fim-fill{position:absolute;left:0;bottom:0;width:100%;background:var(--primary);border-radius:999px}
.fim-here{position:absolute;left:-4px;width:30px;height:4px;background:var(--gold);border-radius:2px;box-shadow:0 0 0 1px rgba(0,0,0,.05)}
.fim-marks{position:relative;height:100%;font-size:11px;color:var(--subtle);min-width:6.5rem}
.fim-marks span{position:absolute;left:0;transform:translateY(50%);white-space:nowrap;line-height:1}
.fim-stat{flex:1;display:flex;flex-direction:column;gap:.1rem;min-width:0}
.fim-cap{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--primary)}
.fim-big{font-family:var(--serif);font-size:2.4rem;font-weight:600;color:var(--ink);line-height:1.08;margin-top:.15rem}
.fim-unit{font-family:var(--sans);font-size:.95rem;font-weight:500;color:var(--muted)}
.fim-sub{font-size:13.5px;color:var(--muted);margin-top:.4rem;line-height:1.5}
.fim-sub2{font-size:13px;color:var(--muted);margin-top:.35rem;line-height:1.5}
.fim-sub2 a{color:var(--primary);font-weight:600}
.mc-sep{border:0;border-top:1px solid var(--line);margin:1.6rem 0}
@media(max-width:520px){.mc-fimeter{flex-direction:column;align-items:stretch;gap:1rem}.fim-thermo{height:150px}}


/* calc-rich-v2 */
.calc-badge{display:inline-block;background:var(--gold);color:#3a2c00;font-weight:800;font-size:10.5px;letter-spacing:.06em;text-transform:uppercase;padding:.22rem .55rem;border-radius:6px;margin-bottom:1.05rem}
.grow-head,.brow-head{display:grid;gap:.55rem;font-size:10px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--subtle);margin:.1rem 0 .55rem;padding:0 .1rem}
.grow-head{grid-template-columns:1.5fr 1.5fr .95fr .95fr 2.1rem}
.brow-head{grid-template-columns:1.7fr 1.1fr 1.4fr 2.1rem}
.grow,.brow{display:grid;gap:.55rem;align-items:center;margin-bottom:.6rem}
.grow{grid-template-columns:1.5fr 1.5fr .95fr .95fr 2.1rem}
.brow{grid-template-columns:1.7fr 1.1fr 1.4fr 2.1rem}
.grow>input,.grow>select,.brow>input,.brow>select,#bg-income{height:2.7rem;border:1px solid var(--line);border-radius:9px;background:var(--bg-warm);padding:0 .7rem;font:inherit;color:var(--ink);width:100%;transition:border-color .12s,background .12s,box-shadow .12s}
.grow>input:hover,.brow>input:hover,.grow>select:hover,.brow>select:hover{border-color:color-mix(in srgb,var(--primary) 35%,var(--line))}
.grow>input:focus,.brow>input:focus,.grow>select:focus,.brow>select:focus,#bg-income:focus{outline:none;border-color:var(--primary);background:var(--surface);box-shadow:0 0 0 3px color-mix(in srgb,var(--primary) 14%,transparent)}
.grow>input.nm,.brow>input.nm{font-weight:600}
.brow>select.tsel{font-weight:600;-webkit-appearance:none;appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--subtle) 50%),linear-gradient(135deg,var(--subtle) 50%,transparent 50%);background-position:calc(100% - 15px) 1.15rem,calc(100% - 10px) 1.15rem;background-size:5px 5px,5px 5px;background-repeat:no-repeat;padding-right:1.6rem}
.brow>select.t-need{color:#7c2d12;background-color:#fff3ec;border-color:#f8d3bf}
.brow>select.t-want{color:var(--gold-ink);background-color:var(--gold-soft);border-color:#f4dfa0}
.brow>select.t-invest{color:#065f46;background-color:#e9f8f1;border-color:#b6e6d3}
#bg-income{font-weight:700;height:2.85rem}
.bg-inc{margin-bottom:1.15rem}
.bg-inc label{display:flex;justify-content:space-between;font-size:14px;font-weight:500;margin-bottom:.4rem}
.bg-inc .val{font-family:var(--mono);font-size:13px;color:var(--primary)}
.grow-del,.brow .grow-del{width:2.1rem;height:2.1rem;border-radius:8px;border:1px solid var(--danger-soft);background:var(--danger-soft);color:var(--danger);cursor:pointer;font-size:16px;font-weight:700;line-height:1;padding:0;display:flex;align-items:center;justify-content:center;transition:background .12s,color .12s}
.grow-del:hover{background:var(--danger);color:#fff;border-color:var(--danger)}
.addbtn{margin-top:.65rem;border:1.5px dashed var(--gold);background:var(--gold-soft);color:var(--gold-ink);border-radius:10px;padding:.72rem 1rem;font:inherit;font-weight:700;cursor:pointer;width:100%;transition:background .12s,border-color .12s}
.addbtn:hover{background:#fdeeba;border-color:var(--gold-ink)}
.calc-hint{margin-top:1rem;background:var(--gold-soft);border:1px solid color-mix(in srgb,var(--gold) 55%,var(--line));border-radius:10px;padding:.72rem .9rem;font-size:12.5px;line-height:1.55;color:var(--muted)}
.calc-hint b{color:var(--gold-ink)}
.bstack{display:flex;height:13px;border-radius:99px;overflow:hidden;margin-top:1.1rem;background:var(--bg-warm)}
.bstack i{display:block;height:100%}
.scorecard{margin-top:1.2rem}
.scorecard td.good{color:var(--primary);font-weight:700}
.scorecard td.bad{color:var(--danger);font-weight:700}
.donut-wrap{display:flex;align-items:center;gap:1.35rem;margin-top:1.4rem;flex-wrap:wrap}
.donut{width:120px;height:120px;flex:0 0 auto}
.dn-c1{font-family:var(--serif);font-size:21px;font-weight:700;fill:var(--ink)}
.dn-c2{font-size:8.5px;fill:var(--subtle);letter-spacing:.03em;text-transform:uppercase}
.dn-legs{display:flex;flex-direction:column;gap:.6rem;font-size:13px;min-width:10rem;flex:1}
.dn-leg{display:flex;align-items:center;gap:.5rem}
.dn-leg .dn-lb{color:var(--muted)}
.dn-leg b{margin-left:auto;font-variant-numeric:tabular-nums}
.dn-dot{width:11px;height:11px;border-radius:3px;flex:0 0 auto}
body[data-slug="goals"] .calc-grid,body[data-slug="budget"] .calc-grid{grid-template-columns:1fr}
@media(min-width:900px){body[data-slug="goals"] .calc-grid,body[data-slug="budget"] .calc-grid{grid-template-columns:1fr}}
@media(max-width:560px){.grow,.brow{grid-template-columns:1fr 1fr;gap:.5rem}.grow>input.nm,.brow>input.nm{grid-column:1 / -1}.grow-head,.brow-head{display:none}.grow-del,.brow .grow-del{width:100%;height:2.4rem}}
/* /calc-rich-v2 */


/* calc-rich-v3 : rupeewise-style rich calculators */
.calc-title{font-size:1.15rem;font-weight:700;margin:0 0 .15rem;display:flex;align-items:center;gap:.5rem;flex-wrap:wrap}
.calc-pill{display:inline-block;background:#fdeebf;color:#6b4e0e;font-weight:700;font-size:11px;padding:.15rem .5rem;border-radius:999px;letter-spacing:.02em}
.calc-sub{color:var(--muted);font-size:13px;margin:0 0 1.15rem}
.calc-sec{font-size:12.5px;font-weight:700;letter-spacing:.03em;text-transform:uppercase;color:var(--muted);margin:1.3rem 0 .9rem}
.calc-hr{border:0;border-top:1px solid var(--line);margin:1.4rem 0 0}
.field .input-wrap{position:relative;display:flex;align-items:center}
.field .input-wrap .pre{position:absolute;left:13px;color:var(--subtle);font-weight:600;font-size:14px;pointer-events:none}
.field .input-wrap .post{position:absolute;right:13px;color:var(--subtle);font-weight:600;font-size:14px;pointer-events:none}
.field .input-wrap input{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:10px;font-size:15px;font-family:inherit;font-weight:600;color:var(--ink);background:var(--bg-warm);transition:border-color .14s,background .14s,box-shadow .14s}
.field .input-wrap input.pl{padding-left:28px}
.field .input-wrap input.pr{padding-right:36px}
.field .input-wrap input:hover{border-color:color-mix(in srgb,var(--primary) 35%,var(--line))}
.field .input-wrap input:focus{outline:none;border-color:var(--primary);background:var(--surface);box-shadow:0 0 0 3px #e7edfb}
.field label .val{color:var(--primary-hover);font-weight:700}
.field input[type=range]{width:100%;-webkit-appearance:none;appearance:none;height:6px;border-radius:99px;background:var(--line);margin-top:12px;cursor:pointer;accent-color:var(--primary);touch-action:pan-y}
.field input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:var(--primary);border:3px solid #fff;box-shadow:0 1px 4px rgba(0,0,0,.25);cursor:pointer}
.field input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--primary);border:3px solid #fff;cursor:pointer}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.result-hero{text-align:center;padding:.35rem 0 1.15rem;border-bottom:1px dashed var(--line);margin-bottom:1.15rem}
.result-hero .label{color:var(--muted);font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.05em}
.result-hero .big{font-family:var(--serif);font-size:2.35rem;font-weight:800;letter-spacing:-.02em;margin-top:.2rem;line-height:1.05}
.result-hero .words{color:var(--muted);font-size:14px;margin-top:.15rem}
.twocol{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:.35rem}
.hbox{background:var(--gold-soft);border:1px solid #f1d488;border-radius:12px;padding:14px;text-align:center}
.hbox .h-lbl{font-size:11px;color:#8a6a12;font-weight:700;text-transform:uppercase;letter-spacing:.04em;margin-bottom:.25rem}
.hbox .h-big{font-size:1.4rem;font-weight:800;color:var(--primary-hover)}
.statrows{margin-top:1rem}
.stat-row{display:flex;justify-content:space-between;gap:1rem;padding:11px 0;border-bottom:1px solid var(--line);font-size:14.5px}
.stat-row:last-child{border-bottom:0}
.stat-row .k{color:var(--muted)}
.stat-row .v{font-weight:700;text-align:right;white-space:nowrap}
.stat-row .v.red{color:var(--danger)}
.stat-row .v.teal{color:var(--primary-hover)}
.stat-row .v.green{color:var(--primary)}
.rnote{background:var(--gold-soft);border:1px solid #f1d488;border-radius:10px;padding:.65rem .8rem;font-size:12.5px;line-height:1.55;color:#6b4e0e;margin-top:1.1rem}
.amort{width:100%;border-collapse:collapse;font-size:13px;margin-top:1.1rem}
.amort th,.amort td{text-align:right;padding:.4rem .5rem;border-bottom:1px solid var(--line)}
.amort th:first-child,.amort td:first-child{text-align:left}
.amort th{font-size:11px;text-transform:uppercase;letter-spacing:.04em;color:var(--subtle)}
.guide-nudge{display:flex;align-items:center;gap:.85rem;justify-content:space-between;margin-top:1.1rem;background:var(--gold-soft);border:1px solid #f1d488;border-radius:12px;padding:.8rem .9rem;text-decoration:none;flex-wrap:wrap}
.guide-nudge .fn-nt{font-size:12.5px;line-height:1.5;color:#6b4e0e;flex:1;min-width:12rem}
.guide-nudge .fn-cta{background:var(--primary);color:#fff;font-weight:700;font-size:13px;padding:.5rem .85rem;border-radius:8px;white-space:nowrap}
.guide-nudge:hover .fn-cta{background:var(--primary-hover)}
.sr-row{display:flex;gap:.6rem;margin-top:1.1rem}
.sr-btn{flex:1;border:1px solid var(--line);background:var(--primary);color:#fff;font:inherit;font-weight:700;font-size:13.5px;padding:.6rem .8rem;border-radius:9px;cursor:pointer;transition:background .14s}
.sr-btn:hover{background:var(--primary-hover)}
.sr-btn.ghost{background:var(--surface);color:var(--ink);border-color:var(--line)}
.sr-btn.ghost:hover{background:var(--bg-warm)}
.en-typehint{margin-top:-.35rem;margin-bottom:1.15rem;background:none;border:0;padding:0;font-size:12.5px;line-height:1.5;color:var(--muted)}
.en-sub{font-family:var(--serif);font-size:1rem;font-weight:600;margin:1.15rem 0 .1rem;padding-top:1.05rem;border-top:1px dashed var(--line)}
.en-caption{font-size:11.5px;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.04em;margin:.15rem 0 .1rem}
.rtoast{position:fixed;left:50%;bottom:1.5rem;transform:translateX(-50%);background:var(--ink);color:#fff;font-size:13px;font-weight:600;padding:.6rem 1rem;border-radius:8px;box-shadow:0 6px 20px rgba(0,0,0,.25);opacity:0;transition:opacity .2s;pointer-events:none;z-index:60}
.rtoast.show{opacity:1}
@media(max-width:560px){.row2{grid-template-columns:1fr}.twocol{grid-template-columns:1fr}}
/* /calc-rich-v3 */

/* calc-rich-v3 select */
.field>select{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:10px;font-size:15px;font-family:inherit;font-weight:600;color:var(--ink);background:var(--bg-warm);cursor:pointer;transition:border-color .14s,box-shadow .14s}
.field>select:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px #e7edfb}

/* guides-beliefs-v1 */
.gtbl{width:100%;border-collapse:collapse;font-size:14.5px;margin:1.3rem 0;background:var(--surface);border:1px solid var(--line);border-radius:10px;overflow:hidden}
.gtbl th,.gtbl td{padding:.6rem .85rem;border-bottom:1px solid var(--line);text-align:left}
.gtbl thead th{background:#eef2fb;color:var(--primary-hover);font-size:11.5px;text-transform:uppercase;letter-spacing:.03em}
.gtbl td:last-child,.gtbl th:last-child{text-align:right;font-variant-numeric:tabular-nums;font-weight:600}
.gtbl tr:last-child td{border-bottom:0}
.gtbl td.hi{color:var(--primary)} .gtbl td.warn{color:var(--danger)}
.pullq{font-family:var(--serif);font-size:1.35rem;line-height:1.42;font-weight:600;color:var(--primary-hover);border-left:4px solid var(--gold);padding:.35rem 0 .35rem 1.1rem;margin:1.7rem 0}
.thinking-link{display:block;margin:1.7rem 0;background:var(--gold-soft);border:1px solid #f1d488;border-radius:12px;padding:1rem 1.15rem;text-decoration:none}
.thinking-link .tk{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:#8a6a12}
.thinking-link .tt{display:block;margin-top:.25rem;font-family:var(--serif);font-size:1.15rem;font-weight:600;color:var(--ink)}
.thinking-link:hover .tt{color:var(--primary)}
.beliefs-grid{display:grid;gap:1rem;margin-top:1.5rem}
@media(min-width:720px){.beliefs-grid{grid-template-columns:1fr 1fr}}
.belief-card{display:block;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:1.15rem 1.25rem;text-decoration:none;box-shadow:0 1px 3px rgba(0,0,0,.04);transition:box-shadow .14s,transform .14s}
.belief-card:hover{box-shadow:0 8px 22px rgba(31,84,196,.1);transform:translateY(-1px)}
.belief-card .bt,.belief-card .bp,.belief-card .bg{display:block}
.belief-card .bt{font-family:var(--serif);font-size:1.12rem;font-weight:600;color:var(--ink);line-height:1.3}
.belief-card .bp{margin-top:.4rem;font-size:12.5px;color:var(--muted)}
.belief-card .bg{margin-top:.7rem;font-size:12.5px;font-weight:700;color:var(--primary)}
.signup-inline{margin:1.9rem 0 0;background:var(--bg-warm);border:1px solid var(--line);border-radius:12px;padding:1.1rem 1.2rem}
.signup-inline h3{font-size:1.05rem;margin:0}
.signup-inline p{font-size:13.5px;color:var(--muted);margin:.3rem 0 .75rem}
.signup-inline form{display:flex;gap:.5rem;flex-wrap:wrap;margin:0}
.signup-inline input{flex:1;min-width:12rem;height:2.6rem;border:1px solid var(--line);border-radius:8px;padding:0 .7rem;font:inherit;background:var(--surface)}
.signup-inline button{height:2.6rem;padding:0 1.15rem;border:0;border-radius:8px;background:var(--primary);color:#fff;font:inherit;font-weight:700;cursor:pointer}
.signup-inline button:hover{background:var(--primary-hover)}
.signup-inline .fine{font-size:11.5px;color:var(--subtle);margin:.5rem 0 0}
.belief-quote{font-family:var(--serif);font-style:italic;font-size:1.15rem;color:var(--muted);border-left:3px solid var(--line);padding-left:1rem;margin:1.4rem 0}
/* plainspeak section */
.ps-h{font-family:var(--serif);font-size:1.6rem;font-weight:600;margin:0 0 .2rem;color:var(--ink);line-height:1.2}
.ps-note{color:var(--muted);font-size:14px;margin:0 0 1.4rem;max-width:42rem}
.ps-band{margin-top:3rem;padding-top:2.25rem;border-top:1px solid var(--line)}
.about-creds{margin:.6rem 0 1.2rem;padding-left:1.1rem}
.about-creds li{margin:.5rem 0;line-height:1.6}
/* /guides-beliefs-v1 */

/* homepage v2: hero doors, one-thought, mobile bar, tools search */
.hero-doors{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.4rem}
.hero-doors .door{display:inline-flex;align-items:center;gap:.5rem;padding:.7rem 1.05rem;border-radius:999px;font-weight:700;font-size:15px;text-decoration:none;border:1.5px solid var(--primary);transition:background .14s,color .14s,box-shadow .14s}
.hero-doors .door .di{font-size:1.05rem;line-height:1}
.hero-doors .door.primary{background:var(--primary);color:var(--primary-fg)}
.hero-doors .door.primary:hover{background:var(--primary-hover)}
.hero-doors .door.ghost{background:var(--surface);color:var(--primary)}
.hero-doors .door.ghost:hover{background:var(--gold-soft);border-color:var(--gold)}
.hero-trust{margin-top:1.05rem;font-size:13.5px;color:var(--subtle);font-weight:600}
.one-thought{background:var(--gold-soft);border-top:1px solid #f1d488;border-bottom:1px solid #f1d488}
.one-thought .wrap{padding:1.7rem 0;text-align:center}
.one-thought .ot-k{font-size:11px;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:#8a6a12;margin:0}
.one-thought .ot-q{font-family:var(--serif);font-size:clamp(1.15rem,2.4vw,1.55rem);line-height:1.4;color:var(--ink);margin:.5rem auto .25rem;max-width:44rem}
.one-thought .ot-src{font-size:13px;color:#6b4e0e;margin:0}
.one-thought .ot-src a{color:#6b4e0e;text-decoration:underline;text-underline-offset:2px}
.one-thought .ot-more{margin-top:.95rem;background:none;border:1.5px solid #e0b93f;color:#6b4e0e;font:inherit;font-weight:700;font-size:13px;padding:.42rem .95rem;border-radius:999px;cursor:pointer;transition:background .14s}
.one-thought .ot-more:hover{background:#f6e6b8}
.tools-search{width:100%;max-width:34rem;margin:1.6rem 0 .5rem;position:relative}
.tools-search input{width:100%;padding:12px 14px 12px 40px;border:1px solid var(--line);border-radius:10px;font-size:15px;font-family:inherit;background:var(--bg-warm);color:var(--ink)}
.tools-search input:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px #e7edfb;background:var(--surface)}
.tools-search .ts-ic{position:absolute;left:13px;top:50%;transform:translateY(-50%);pointer-events:none}
.tools-noresult{margin-top:1.25rem;color:var(--muted);font-size:15px}
.mobilebar{display:none}
@media(max-width:760px){
  .mobilebar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:80;background:var(--surface);border-top:1px solid var(--line);box-shadow:0 -2px 12px rgba(0,0,0,.07);padding:.2rem .1rem;padding-bottom:calc(.2rem + env(safe-area-inset-bottom))}
  .mobilebar a{flex:1;display:flex;flex-direction:column;align-items:center;gap:2px;padding:.35rem 0;text-decoration:none;color:var(--muted);font-size:10.5px;font-weight:600}
  .mobilebar a .mi{font-size:1.2rem;line-height:1}
  .mobilebar a.on{color:var(--primary)}
  body{padding-bottom:4.3rem}
}
/* /homepage v2 */

/* mobile gutter (fixed 8 Sep 2026): one consistent 1.5rem side inset at <=640px across EVERY content container: .wrap, .hero-inner, .one-thought .wrap, article.essay, .calc-page, .score-page (.calc-faq zeroed since it nests inside .calc-page). NOTE: .essay lost to article.essay before, and .calc-page/.score-page were never targeted, so essays+calculators+checkup were stuck at 16px. Verified by rendering one page of every template at 390px. Do NOT add a new max-width content container without adding it here. */
@media (max-width:640px){
  .wrap{padding-left:1.5rem;padding-right:1.5rem}
  .hero-inner{padding-left:1.5rem;padding-right:1.5rem}
  .one-thought .wrap{padding-left:1.5rem;padding-right:1.5rem}
  article.essay{padding-left:1.5rem;padding-right:1.5rem}
  .calc-page{padding-left:1.5rem;padding-right:1.5rem}
  .calc-faq{padding-left:0;padding-right:0}
  .score-page{padding-left:1.5rem;padding-right:1.5rem}
}

/* FAQ + result link visibility + life-stage block (7 Sep 2026) */
.calc-faq .a a{color:var(--primary);text-decoration:underline;text-underline-offset:2px}
.rnote a{color:var(--primary);text-decoration:underline;text-underline-offset:2px;font-weight:600}
.lifestage{margin-top:1.25rem;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:var(--surface)}
.lifestage .ls-h{font-weight:700;font-size:15.5px;color:var(--primary);padding:.8rem .95rem;margin:0}
.lifestage .ls-row{display:flex;gap:.9rem;padding:.7rem .95rem;border-top:1px solid var(--line);font-size:14.5px;line-height:1.55;color:var(--ink)}
.lifestage .ls-age{flex:0 0 4.2rem;font-weight:800;color:var(--primary)}
 /* SIP hub v3 (12 Sep 2026): quotable callout, comparison/goal/year tables, semantic FAQ headings, mobile-safe layout. Reused across the calculator rollout. */
.calc-quote{margin-top:.9rem;padding:.8rem 1rem;background:var(--gold-soft);border-left:4px solid var(--gold);border-radius:8px;font-size:15.5px;line-height:1.55;color:var(--ink);max-width:46rem}
.cf-table{margin-top:.7rem;overflow-x:auto}
.cf-table .table,.yeartable .table{width:100%;max-width:34rem;border-collapse:collapse;font-size:14px;background:var(--surface);border:1px solid var(--line);border-radius:10px;overflow:hidden;font-variant-numeric:tabular-nums}
.cf-table .table th,.yeartable .table th{text-align:right;font-weight:700;color:var(--primary-hover);font-size:11.5px;text-transform:uppercase;letter-spacing:.03em;background:#eef2fb;padding:.55rem .7rem;border-bottom:1px solid var(--line)}
.cf-table .table td,.yeartable .table td{text-align:right;padding:.5rem .7rem;border-bottom:1px solid var(--line);color:var(--ink)}
.cf-table .table th:first-child,.yeartable .table th:first-child,.cf-table .table td:first-child,.yeartable .table td:first-child{text-align:left}
.cf-table .table tbody tr:last-child td,.yeartable .table tbody tr:last-child td{border-bottom:0}
.cf-table .table td:last-child,.yeartable .table td:last-child{font-weight:700}
.cf-table .table tbody tr:hover,.yeartable .table tbody tr:hover{background:#f4f7fe}
.cf-cap{font-size:13px;color:var(--muted);margin-top:.4rem}
.goal-strip{margin-top:1.75rem;max-width:72rem}
.goal-strip h2{font-family:var(--sans);font-size:1.3rem;font-weight:800;letter-spacing:-.02em;color:var(--ink);margin:0}
.gs-sub{font-size:14.5px;color:var(--muted);margin:.35rem 0 .7rem;line-height:1.55}
.gs-cap{font-size:14px;color:var(--muted);margin-top:.5rem}
.yeartable{margin-top:1rem}
.yt-h{font-weight:700;font-size:13.5px;color:var(--primary);margin-bottom:.35rem}
.calc-faq h2.fh{margin:0 0 .25rem}
.calc-faq h3.q{margin-bottom:0}
/* mobile-safe: shrinkable grid tracks so a wide result table scrolls itself instead of pushing the page; SVG never forces width; table cells wrap (numbers are single tokens, so they stay intact) */
.calc-grid{grid-template-columns:minmax(0,1fr)}
.calc-grid{max-width:44rem}
@media(min-width:900px){.calc-grid{grid-template-columns:minmax(0,1fr)}}
.calc-grid>*{min-width:0}
#calc-result svg,.growth-wrap svg{max-width:100%}

.field-check{margin:.55rem 0 .1rem}
.field-check label{display:flex;align-items:center;gap:.55rem;font-size:14px;font-weight:600;color:var(--ink);cursor:pointer}
.field-check input[type=checkbox]{width:16px;height:16px;accent-color:var(--primary);flex:0 0 auto;cursor:pointer}
.when-wrap{border-left:2px solid var(--line);padding-left:.75rem;margin:.1rem 0 .4rem}
.when-wrap.when-hide{display:none}

.calc-page caption,.essay caption{caption-side:top;text-align:left;font-weight:700;font-size:14px;color:var(--primary);padding:.15rem 0 .5rem;line-height:1.4}