:root {
  --bg: #f5f8f6;
  --surface: #ffffff;
  --surface-soft: #eef6f2;
  --ink: #10231d;
  --muted: #60716a;
  --line: #d9e4df;
  --green: #075f49;
  --green-dark: #044936;
  --green-bright: #0b7c5d;
  --red: #d6283e;
  --amber: #a56205;
  --amber-bg: #fff8e8;
  --danger-bg: #fff0f1;
  --shadow: 0 12px 36px rgba(20, 62, 48, 0.08);
  --radius: 18px;
  --radius-sm: 11px;
  --max: 1200px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
}
button, input, select { font: inherit; }
a { color: var(--green); }
.shell { width: min(calc(100% - 32px), var(--max)); margin-inline: auto; }
.hidden { display: none !important; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255,255,255,.93);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
}
.header-inner { min-height: 72px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.brand { display: flex; align-items: center; gap: 12px; color: var(--ink); text-decoration: none; }
.brand-mark { width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; background: var(--green); color: white; font-size: 1.25rem; font-weight: 800; box-shadow: 0 8px 18px rgba(7,95,73,.22); }
.brand strong, .brand small { display: block; }
.brand strong { font-size: 1rem; letter-spacing: -.01em; }
.brand small { color: var(--muted); margin-top: 1px; }
.header-badges { display: flex; gap: 8px; flex-wrap: wrap; justify-content: flex-end; }
.badge { font-size: .78rem; border: 1px solid var(--line); background: #fff; padding: 6px 10px; border-radius: 999px; color: var(--muted); font-weight: 700; }
.badge-safe { border-color: #b9ddcf; background: #effaf5; color: var(--green); }

.hero { padding: 72px 0 34px; display: grid; grid-template-columns: 1fr 330px; gap: 44px; align-items: center; }
.eyebrow { text-transform: uppercase; letter-spacing: .11em; font-size: .72rem; font-weight: 800; color: var(--green-bright); margin: 0 0 8px; }
h1, h2, h3 { margin: 0; line-height: 1.14; letter-spacing: -.025em; }
h1 { font-size: clamp(2.25rem, 5vw, 4.6rem); max-width: 900px; }
h2 { font-size: clamp(1.5rem, 2.5vw, 2rem); }
h3 { font-size: 1.15rem; }
.hero-copy { font-size: 1.08rem; color: var(--muted); max-width: 760px; margin: 22px 0 0; }
.law-card { background: var(--green); color: white; border-radius: 24px; padding: 24px; box-shadow: 0 22px 46px rgba(7,95,73,.2); }
.law-card-label { display: block; font-size: .72rem; text-transform: uppercase; letter-spacing: .1em; opacity: .72; font-weight: 700; }
.law-card strong { display: block; font-size: 1.15rem; margin: 6px 0 14px; }
.formula { border-top: 1px solid rgba(255,255,255,.18); padding: 9px 0; font-weight: 800; font-size: 1.25rem; }
.law-card small { display: block; opacity: .72; margin-top: 10px; }

.workflow { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 18px 20px; display: grid; grid-template-columns: repeat(7, auto); align-items: center; justify-content: space-between; gap: 10px; }
.workflow-step { display: flex; align-items: center; gap: 10px; min-width: 0; }
.workflow-step > span { width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; background: var(--surface-soft); color: var(--green); font-weight: 800; flex: 0 0 auto; }
.workflow-step strong, .workflow-step small { display: block; }
.workflow-step strong { font-size: .88rem; }
.workflow-step small { color: var(--muted); font-size: .73rem; white-space: nowrap; }
.workflow-arrow { color: #9aa9a3; }

.app-grid { display: grid; grid-template-columns: minmax(0, 1fr) 330px; gap: 24px; padding: 28px 0 50px; align-items: start; }
.panel { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.form-panel { padding: 26px; }
.panel-title-row { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; }
fieldset { border: 0; border-top: 1px solid var(--line); margin: 28px 0 0; padding: 28px 0 0; }
legend { padding: 0 14px 0 0; font-weight: 850; font-size: 1rem; }
.fieldset-note { margin: 0 0 16px; color: var(--muted); font-size: .88rem; }
.field-grid { display: grid; gap: 16px; }
.field-grid.two { grid-template-columns: repeat(2, minmax(0,1fr)); }
.compact-top { margin-top: 14px; }
.field { display: block; min-width: 0; }
.field > span { display: block; font-size: .86rem; font-weight: 750; margin-bottom: 7px; }
.field em { color: var(--muted); font-weight: 500; }
.field small { display: block; color: var(--muted); font-size: .77rem; margin-top: 6px; line-height: 1.35; }
input[type="number"], select {
  width: 100%; min-height: 46px; border: 1px solid #cbdad4; border-radius: var(--radius-sm); padding: 10px 12px; background: #fff; color: var(--ink); outline: none; transition: border-color .15s, box-shadow .15s;
}
input:focus, select:focus { border-color: var(--green-bright); box-shadow: 0 0 0 3px rgba(11,124,93,.11); }
.money-input { display: grid; grid-template-columns: 38px 1fr; border: 1px solid #cbdad4; border-radius: var(--radius-sm); overflow: hidden; background: #fff; }
.money-input:focus-within { border-color: var(--green-bright); box-shadow: 0 0 0 3px rgba(11,124,93,.11); }
.money-input > span { display: grid; place-items: center; background: var(--surface-soft); color: var(--green); font-weight: 800; border-right: 1px solid var(--line); }
.money-input input { border: 0; border-radius: 0; min-height: 44px; box-shadow: none !important; }
.check-card { border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 12px; display: flex; gap: 10px; align-items: flex-start; cursor: pointer; background: #fcfdfd; }
.check-card input, .mini-check input { width: 17px; height: 17px; margin-top: 2px; accent-color: var(--green); flex: 0 0 auto; }
.check-card strong, .check-card small { display: block; }
.check-card strong { font-size: .86rem; }
.check-card small { color: var(--muted); font-size: .75rem; margin-top: 2px; }
.investment-row { display: grid; grid-template-columns: minmax(0, 1fr) 270px; gap: 16px; align-items: end; padding: 13px 0; border-bottom: 1px dashed var(--line); }
.investment-row:first-of-type { padding-top: 0; }
.insurance-row { grid-template-columns: minmax(0,1fr) minmax(0,1fr); }
.insurance-row .mini-check { grid-column: 1 / -1; }
.mini-check { display: flex; align-items: flex-start; gap: 9px; color: var(--muted); font-size: .78rem; cursor: pointer; }
.preference-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 10px; }
.form-actions { display: flex; gap: 10px; margin-top: 28px; }
.button { border: 0; border-radius: 11px; padding: 11px 16px; font-weight: 800; cursor: pointer; transition: transform .1s, box-shadow .15s, background .15s; }
.button:hover { transform: translateY(-1px); }
.button-primary { background: var(--green); color: #fff; box-shadow: 0 9px 18px rgba(7,95,73,.17); }
.button-primary:hover { background: var(--green-dark); }
.button-secondary { color: var(--green); background: var(--surface-soft); }
.button-ghost { color: var(--muted); background: transparent; border: 1px solid var(--line); }

.right-rail { display: grid; gap: 18px; position: sticky; top: 96px; }
.guardrail-panel, .privacy-panel { padding: 22px; }
.check-list { list-style: none; margin: 18px 0 0; padding: 0; display: grid; gap: 12px; }
.check-list li { position: relative; padding-left: 26px; color: var(--muted); font-size: .87rem; }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 0; width: 18px; height: 18px; border-radius: 50%; display: grid; place-items: center; background: #dff4eb; color: var(--green); font-weight: 900; font-size: .72rem; }
.privacy-panel { background: var(--green); color: #fff; border-color: var(--green); }
.privacy-panel .eyebrow { color: #bfe9dc; }
.privacy-panel p:last-child { color: rgba(255,255,255,.78); margin-bottom: 0; }

.results { padding: 20px 0 54px; }
.results-heading { display: flex; justify-content: space-between; gap: 18px; align-items: flex-end; margin-bottom: 18px; }
.results-heading p:last-child { color: var(--muted); margin-bottom: 0; }
.result-actions { display: flex; gap: 8px; flex-wrap: wrap; justify-content: flex-end; }
.summary-grid { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 12px; }
.summary-card { background: #fff; border: 1px solid var(--line); border-radius: 15px; padding: 18px; }
.summary-card span { display: block; color: var(--muted); font-size: .77rem; font-weight: 700; }
.summary-card strong { display: block; font-size: 1.42rem; margin-top: 5px; letter-spacing: -.02em; }
.summary-card small { display: block; color: var(--muted); font-size: .72rem; margin-top: 5px; }
.callout { margin-top: 14px; padding: 18px 20px; border: 1px solid #b8ded0; border-left: 5px solid var(--green); background: #f0faf6; border-radius: 13px; }
.callout strong { color: var(--green-dark); }
.callout.zero { border-color: #cfe1da; background: #f8fbfa; }
.callout.warning { border-color: #f0d29b; border-left-color: var(--amber); background: var(--amber-bg); }
.portfolio-panel, .compliance-panel { margin-top: 18px; padding: 22px; }
.status-pill { font-size: .7rem; text-transform: uppercase; letter-spacing: .08em; font-weight: 850; border-radius: 999px; padding: 6px 9px; background: #e6f6f0; color: var(--green); white-space: nowrap; }
.status-pill.review { background: var(--amber-bg); color: var(--amber); }
.table-wrap { overflow-x: auto; margin-top: 16px; }
table { border-collapse: collapse; width: 100%; min-width: 790px; }
th, td { text-align: left; padding: 12px 10px; border-top: 1px solid var(--line); vertical-align: top; font-size: .84rem; }
th { color: var(--muted); font-size: .7rem; text-transform: uppercase; letter-spacing: .06em; background: #fbfcfc; }
.number { text-align: right; white-space: nowrap; }
td.number { font-weight: 800; color: var(--green-dark); }
.empty-row { color: var(--muted); text-align: center; padding: 24px; }
.agent-grid { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 12px; margin-top: 18px; }
.agent-card { padding: 18px; position: relative; overflow: hidden; }
.agent-number { position: absolute; right: 14px; top: 10px; font-size: 2.3rem; line-height: 1; font-weight: 900; color: #e9f1ee; }
.agent-card h3 { padding-right: 26px; }
.agent-card div { color: var(--muted); font-size: .78rem; margin-top: 10px; }
.agent-card ul { padding-left: 18px; margin: 7px 0 0; }
.agent-card li { margin: 4px 0; }
.warnings { display: grid; gap: 8px; margin-top: 14px; }
.warning-item { border-radius: 10px; background: var(--amber-bg); color: #6e480e; padding: 10px 12px; font-size: .82rem; }
.warning-item.info { background: #f1f6f4; color: var(--muted); }
.return-summary { margin: 16px 0 0; white-space: pre-wrap; word-break: break-word; background: #0f251e; color: #eaf5f1; border-radius: 13px; padding: 16px; font: 500 .78rem/1.55 ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; max-height: 420px; overflow: auto; }

.legal-section { padding: 0 0 54px; }
details.panel { padding: 0; overflow: hidden; }
summary { cursor: pointer; padding: 18px 20px; font-weight: 800; }
.details-content { border-top: 1px solid var(--line); padding: 18px 20px; color: var(--muted); font-size: .88rem; }
.source-links { display: grid; gap: 8px; margin-top: 14px; }
.source-link { padding: 10px 12px; border: 1px solid var(--line); border-radius: 10px; background: #fcfdfd; }
.source-link a { font-weight: 800; text-decoration: none; }
.source-link small { display: block; color: var(--muted); margin-top: 2px; }
.disclaimer { color: var(--muted); font-size: .75rem; text-align: center; max-width: 900px; margin: 18px auto 0; }
footer { border-top: 1px solid var(--line); background: #fff; color: var(--muted); font-size: .75rem; }
.footer-inner { min-height: 64px; display: flex; justify-content: space-between; align-items: center; gap: 16px; }

@media (max-width: 1020px) {
  .hero { grid-template-columns: 1fr; }
  .law-card { max-width: 520px; }
  .workflow { grid-template-columns: repeat(4,1fr); }
  .workflow-arrow { display: none; }
  .workflow-step small { white-space: normal; }
  .app-grid { grid-template-columns: 1fr; }
  .right-rail { position: static; grid-template-columns: repeat(2,minmax(0,1fr)); }
  .summary-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .agent-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
}

@media (max-width: 700px) {
  .shell { width: min(calc(100% - 20px), var(--max)); }
  .header-inner { min-height: 64px; }
  .header-badges .badge:first-child { display: none; }
  .hero { padding-top: 44px; gap: 26px; }
  .workflow { grid-template-columns: repeat(2,1fr); }
  .form-panel { padding: 18px; }
  .field-grid.two, .preference-grid, .right-rail, .insurance-row { grid-template-columns: 1fr; }
  .investment-row { grid-template-columns: 1fr; align-items: start; }
  .insurance-row .mini-check { grid-column: 1; }
  .panel-title-row, .results-heading { align-items: flex-start; flex-direction: column; }
  .summary-grid, .agent-grid { grid-template-columns: 1fr; }
  .form-actions, .result-actions { width: 100%; }
  .form-actions .button, .result-actions .button { flex: 1; }
  .footer-inner { flex-direction: column; justify-content: center; padding: 14px 0; }
}

@media print {
  .site-header, .hero, .workflow, .app-grid, .legal-section, footer, .result-actions { display: none !important; }
  body { background: #fff; }
  .results { display: block !important; padding: 0; }
  .panel, .summary-card { box-shadow: none; break-inside: avoid; }
  .shell { width: 100%; }
}