:root {
  --paper: #f3efe6;
  --ink: #1c2416;
  --muted: #5c6556;
  --green: #1e5c3a;
  --green-deep: #143d27;
  --gold: #8d6b2f;
  --line: #e3dacb;
  --card: #fffdf8;
  --danger: #8d2f2f;
  --shadow: 0 18px 50px rgba(28, 36, 22, 0.08);
  --serif: "Fraunces", "Iowan Old Style", Palatino, serif;
  --sans: "Outfit", "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background:
    linear-gradient(180deg, rgba(255, 253, 248, 0.5), rgba(243, 239, 230, 0) 280px),
    repeating-linear-gradient(0deg, transparent, transparent 31px, rgba(141, 107, 47, 0.05) 32px),
    var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 1.05rem;
  line-height: 1.6;
}
img { max-width: 100%; }
a { color: var(--green-deep); }
a:hover { color: var(--green); }
.skip {
  position: absolute;
  left: 1rem;
  top: -4rem;
  background: var(--ink);
  color: white;
  padding: 0.5rem 0.8rem;
  z-index: 5;
}
.skip:focus { top: 1rem; }
.wrap { width: min(1080px, calc(100% - 2rem)); margin: 0 auto; }
.wrap-narrow { width: min(740px, calc(100% - 2rem)); margin: 0 auto; }

.masthead {
  display: flex;
  justify-content: space-between;
  gap: 1.5rem;
  align-items: end;
  padding: 1.4rem 0 1rem;
  border-bottom: 1px solid var(--line);
}
.brand { text-decoration: none; color: inherit; }
.brand small { display: block; letter-spacing: 0.14em; text-transform: uppercase; font-size: 0.72rem; color: var(--gold); }
.brand strong { font-family: var(--serif); font-size: 1.45rem; font-weight: 560; }
nav { display: flex; flex-wrap: wrap; gap: 0.9rem 1.1rem; }
nav a { text-decoration: none; color: var(--ink); font-size: 0.98rem; }
nav a[aria-current="page"] { box-shadow: inset 0 -2px 0 var(--green); }

.hero { padding: 2.2rem 0 0.4rem; }
.hero h1, .prose h1, .page-title {
  font-family: var(--serif);
  font-weight: 560;
  letter-spacing: -0.03em;
  line-height: 1.12;
  font-size: clamp(2.3rem, 5vw, 4.2rem);
  margin: 0 0 0.7rem;
}
.lede { font-size: 1.18rem; max-width: 42rem; margin: 0; color: var(--ink); }
.fine, .meta { color: var(--muted); font-size: 0.92rem; }

.panel {
  margin: 1.6rem 0;
  background: var(--card);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  border-radius: 18px;
  padding: 1.2rem;
}
.calc-grid { display: grid; grid-template-columns: 1fr 0.9fr; gap: 1.2rem; }
label { display: block; font-size: 0.92rem; margin-bottom: 0.7rem; }
label span { display: block; margin-bottom: 0.28rem; }
input, select, textarea {
  width: 100%;
  border: 1px solid #d5ccbc;
  background: #fff;
  color: var(--ink);
  border-radius: 10px;
  padding: 0.72rem 0.75rem;
  font: inherit;
}
textarea { min-height: 9rem; resize: vertical; }
input:focus, select:focus, textarea:focus, button:focus-visible, a:focus-visible {
  outline: 2px solid var(--green);
  outline-offset: 2px;
}
.actions { display: flex; flex-wrap: wrap; gap: 0.6rem; align-items: center; }
button, .button {
  font: inherit;
  border-radius: 999px;
  border: 1px solid var(--green-deep);
  background: var(--green);
  color: white;
  padding: 0.7rem 1rem;
  cursor: pointer;
  text-decoration: none;
  display: inline-block;
}
button.secondary, .button.secondary { background: transparent; color: var(--green-deep); }
button:disabled { opacity: 0.5; cursor: not-allowed; }
.error { color: var(--danger); margin: 0.4rem 0 0; }

.results h2, .section h2, .prose h2 {
  font-family: var(--serif);
  font-weight: 560;
  letter-spacing: -0.02em;
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  margin: 0 0 0.6rem;
}
.stat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.8rem; }
.stat { padding: 0.8rem 0.2rem 0.2rem; border-top: 1px solid var(--line); }
.stat span { display: block; color: var(--muted); font-size: 0.86rem; }
.stat strong { font-family: var(--serif); font-size: clamp(1.4rem, 2vw, 1.9rem); font-weight: 560; }
.stat.primary strong { color: var(--green-deep); }
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

.section { padding: 0.5rem 0 2rem; }
.legend { display: flex; gap: 1.2rem; color: var(--muted); font-size: 0.9rem; margin: 0 0 0.4rem; }
.swatch { display: inline-block; width: 1.1rem; height: 0.28rem; margin-right: 0.35rem; vertical-align: middle; }
.swatch.balance { background: var(--green); }
.swatch.contrib { background: var(--gold); }
#chart svg { width: 100%; height: auto; display: block; }
#chart .line-balance { fill: none; stroke: #1e5c3a; stroke-width: 3; }
#chart .line-contrib { fill: none; stroke: #8d6b2f; stroke-width: 2.5; stroke-dasharray: 5 4; }
#chart .axis { stroke: #e3dacb; }
#chart text { fill: #5c6556; font-size: 12px; font-family: Outfit, sans-serif; }

.table-scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: 12px; }
table { width: 100%; border-collapse: collapse; background: white; }
th, td { text-align: right; padding: 0.62rem 0.75rem; border-bottom: 1px solid var(--line); white-space: nowrap; }
th:first-child, td:first-child { text-align: left; }
thead th { font-size: 0.82rem; color: var(--muted); font-weight: 500; }
.schedule-head { display: flex; justify-content: space-between; gap: 1rem; align-items: end; }

.split { display: grid; grid-template-columns: 1.4fr 0.8fr; gap: 1.5rem; align-items: start; }
.note {
  background: #f7f3ea;
  border-left: 3px solid var(--gold);
  padding: 0.9rem 1rem;
  margin: 0;
}
.formula {
  font-family: var(--serif);
  background: #f7f3ea;
  padding: 0.8rem 1rem;
  border-radius: 10px;
}
.publisher-note {
  background: #fff6df;
  border: 1px solid #e4d2a4;
  padding: 0.8rem 1rem;
  border-radius: 12px;
}
.faq details { border-top: 1px solid var(--line); padding: 0.75rem 0; }
.faq summary { cursor: pointer; font-weight: 600; }
.faq details p { margin: 0.45rem 0 0.2rem; }

.site-footer { border-top: 1px solid var(--line); padding: 1.4rem 0 2.2rem; margin-top: 1rem; color: var(--muted); }
.site-footer .wrap, .footer-row { display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; }
.footer-links { display: flex; gap: 0.9rem; flex-wrap: wrap; }

@media (max-width: 860px) {
  .masthead, .calc-grid, .split, .schedule-head { display: block; }
  .masthead nav { margin-top: 0.8rem; }
  .stat-grid { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}
.ad-slot:not(:has(ins, iframe, .adsbygoogle)) { display: none; }
.ad-slot:has(ins, iframe, .adsbygoogle) {
  margin: 1.75rem auto;
  min-height: 120px;
  display: flex;
  justify-content: center;
  align-items: center;
}
.ad-slot ins { display: block; width: 100%; }