:root{--cream:#F5F5EF;--paper:#fff;--ink:#17221D;--forest:#18352B;--forest2:#294D3D;--sage:#A8B7A0;--pale:#DCE5D5;--line:#DDE4DD;--muted:#65736B;--shadow:0 18px 50px rgba(24,53,43,.08);--r:20px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.55}button,input{font:inherit}.container{width:min(1080px,calc(100% - 32px));margin:auto}header{background:rgba(245,245,239,.94);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5;backdrop-filter:blur(10px)}nav{height:68px;display:flex;align-items:center;justify-content:space-between}.brand{font-weight:850;font-size:1.08rem;letter-spacing:-.035em;color:var(--forest);text-decoration:none}.brand i{display:inline-block;width:7px;height:7px;border-radius:50%;background:var(--sage);margin:0 4px 2px}.nav-links{display:flex;gap:20px;font-size:.84rem}.nav-links a{color:var(--muted);text-decoration:none}main{padding:54px 0 80px}.hero{max-width:850px;margin:0 auto 38px}.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--forest2);font-weight:800;font-size:.82rem;margin-bottom:13px}.dot{width:8px;height:8px;border-radius:50%;background:var(--sage)}h1{font-size:clamp(2.35rem,6vw,4.4rem);line-height:1.02;letter-spacing:-.065em;margin:0 0 18px}.hero p{font-size:1.08rem;color:var(--muted);max-width:700px;margin:0}.search{margin-top:25px;display:flex;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:var(--shadow)}.search input{flex:1;border:0;outline:0;padding:15px 17px;background:transparent}.search span{padding:15px;color:var(--muted)}.category{margin:34px 0}.category h2{font-size:1.35rem;margin:0 0 14px}.tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.tool{background:var(--paper);border:1px solid var(--line);border-radius:17px;padding:20px;text-decoration:none;color:var(--ink);box-shadow:0 8px 25px rgba(24,53,43,.045);transition:.15s}.tool:hover{transform:translateY(-2px);box-shadow:var(--shadow)}.tool-icon{font-size:1.45rem;margin-bottom:10px}.tool strong{display:block;font-size:1.02rem}.tool small{display:block;color:var(--muted);margin-top:5px;font-size:.82rem}.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow)}.calc-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(330px,.82fr);gap:22px;align-items:start}.form-card{padding:28px}.card-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:22px}.card-title{font-weight:850;font-size:1.15rem}.badge{background:var(--pale);color:var(--forest2);padding:6px 10px;border-radius:999px;font-size:.74rem;font-weight:800}.field{margin-bottom:18px}.field label{display:block;font-weight:750;margin-bottom:7px}.input{position:relative}select{width:100%;height:52px;border:1px solid var(--line);border-radius:13px;padding:0 42px 0 15px;color:var(--ink);background:#fff;outline:none;font:inherit;appearance:auto}select:hover{border-color:#C8D2CA}select:focus{border-color:var(--forest2);box-shadow:0 0 0 3px rgba(41,77,61,.11);outline:none}
input[type=number]{width:100%;height:52px;border:1px solid var(--line);border-radius:13px;padding:0 52px 0 15px;color:var(--ink);background:#fff;outline:none}input[type=number]:focus{border-color:var(--forest2);box-shadow:0 0 0 3px rgba(41,77,61,.11)}.unit{position:absolute;right:15px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:650}.hint{font-size:.82rem;color:var(--muted);margin-top:6px}.range-row{display:flex;justify-content:space-between;align-items:center}input[type=range]{width:100%;accent-color:var(--forest2);margin:8px 0}.range-value{font-weight:850;color:var(--forest2)}.primary{width:100%;height:53px;border:0;border-radius:13px;background:var(--forest);color:#fff;font-weight:850;cursor:pointer}.result-wrap{position:sticky;top:90px}.result{overflow:hidden}.result-top{background:var(--forest);color:#fff;padding:29px}.result-kicker{font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;opacity:.72;font-weight:800}.big{font-size:clamp(2.9rem,7vw,4.3rem);font-weight:850;line-height:1;letter-spacing:-.065em;margin:10px 0 13px}.big small{font-size:.3em;letter-spacing:0;font-weight:700}.result-copy{margin:0;color:var(--pale);font-size:.9rem}.metrics{padding:16px;display:grid;grid-template-columns:1fr 1fr;gap:10px}.metric{background:#F7F9F6;border:1px solid var(--line);border-radius:13px;padding:13px}.metric span{display:block;color:var(--muted);font-size:.78rem}.metric strong{font-size:1.08rem}.assumption{margin:0 16px 16px;padding:12px 13px;border-radius:12px;background:var(--pale);color:var(--forest2);font-size:.8rem}.ad{min-height:100px;margin-top:18px;border:1px dashed #B9C5BA;border-radius:14px;display:flex;align-items:center;justify-content:center;color:#829087;font-size:.75rem;background:rgba(255,255,255,.45)}.content{margin-top:25px}.content-card{padding:30px;max-width:none}h2{font-size:1.55rem;letter-spacing:-.035em;margin:0 0 11px}h3{margin:26px 0 8px;font-size:1.05rem}.formula{background:var(--pale);border-radius:14px;padding:16px;margin:18px 0;color:var(--forest2)}ul{padding-left:22px}table{width:100%;border-collapse:collapse;margin-top:12px}th,td{text-align:left;padding:12px;border-bottom:1px solid var(--line)}th{font-size:.82rem;color:var(--muted)}td:last-child,th:last-child{text-align:right}details{border-top:1px solid var(--line);padding:14px 0}summary{cursor:pointer;font-weight:750}.disclaimer{color:var(--muted);font-size:.8rem;margin-top:24px}footer{border-top:1px solid var(--line);padding:28px 0;color:var(--muted);font-size:.8rem;text-align:center}@media(max-width:760px){.container{width:min(100% - 20px,680px)}main{padding:34px 0 55px}.nav-links{display:none}.calc-layout{grid-template-columns:1fr}.result-wrap{position:static}.form-card,.content-card{padding:21px}.result-top{padding:24px}.tools-grid{grid-template-columns:1fr 1fr}h1{font-size:clamp(2.35rem,12vw,3.5rem)}}@media(max-width:460px){.tools-grid{grid-template-columns:1fr}}
.menu-btn{display:none;background:none;border:0;color:var(--forest);font-weight:800;cursor:pointer;padding:8px}
.mobile-menu{display:none;border-top:1px solid var(--line);padding:12px 0 18px}
.mobile-menu a{display:block;padding:10px 0;color:var(--ink);text-decoration:none;font-weight:700}
.back{display:inline-flex;align-items:center;gap:7px;color:var(--muted);text-decoration:none;font-size:.84rem;font-weight:700;margin-bottom:18px}
.back:hover{color:var(--forest)}
.reset{border:0;background:none;color:var(--muted);font-size:.78rem;font-weight:700;cursor:pointer;padding:4px 0}
.reset:hover{color:var(--forest)}
.related{margin-top:25px}.related h2{font-size:1.25rem}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.related .tool{padding:16px}
@media(max-width:760px){.nav-links{display:none}.menu-btn{display:block}.mobile-menu.open{display:block}.related-grid{grid-template-columns:1fr}}

:root{--header-h:69px}
html{scroll-padding-top:calc(var(--header-h) + 18px)}
section[id]{scroll-margin-top:calc(var(--header-h) + 18px)}
.search{position:relative}
.search input{padding-right:48px}
.search-clear{width:42px;height:42px;border:0;background:transparent;color:var(--muted);cursor:pointer;font-size:1.25rem;display:none;align-items:center;justify-content:center;border-radius:10px;align-self:center;margin-right:4px}
.search-clear:hover{background:var(--pale);color:var(--forest)}
.search-clear.visible{display:flex}
.tool{cursor:pointer}

/* V7 production polish */
:focus-visible{outline:3px solid rgba(41,77,61,.28);outline-offset:3px}.tool:focus-visible{transform:translateY(-2px)}
.ad{min-height:120px;max-width:100%;overflow:hidden}.ad-label{font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:#829087}.coming-soon{cursor:default}.coming-soon:hover{transform:none;box-shadow:0 8px 25px rgba(24,53,43,.045)}
[hidden]{display:none!important}

/* V9 master calculator template */
.tool-hero{margin-bottom:32px}
.card-note{font-size:.78rem;color:var(--muted);margin-top:2px}
.scenario-box{margin-top:24px;padding:16px;border:1px solid var(--line);border-radius:15px;background:#F7F9F6}
.scenario-head strong,.scenario-head span{display:block}
.scenario-head span{font-size:.78rem;color:var(--muted);margin-top:2px}
.scenario-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:7px;margin-top:12px}
.scenario{min-height:40px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--forest);font-weight:800;cursor:pointer}
.scenario:hover{border-color:var(--forest2);background:var(--pale)}
.scenario.active{background:var(--forest);color:#fff;border-color:var(--forest)}
.scenario-result{margin-top:11px;font-size:.79rem;color:var(--muted);line-height:1.45}
.scenario-result strong{color:var(--forest)}
.example{color:var(--muted)}
@media(max-width:520px){.scenario-grid{grid-template-columns:repeat(3,1fr)}.card-head{align-items:flex-start;gap:12px}.reset{white-space:nowrap}}

/* Scenario controls fix */
.scenario{appearance:none;-webkit-appearance:none;position:relative;z-index:1;pointer-events:auto;touch-action:manipulation}
.scenario:focus-visible{outline:3px solid var(--sage);outline-offset:2px}

/* V9.2 — full-width explanatory section */
.content{width:100%}
.content-card{width:100%;box-sizing:border-box}

/* V9.3 — explanatory section truly full width */
.content{width:100%}
.content-card{width:100%;max-width:none;box-sizing:border-box}

/* V10 — shared calculator master template */
.tool-hero{margin-bottom:32px}
.tool-hero p{max-width:760px}
.form-card .field:last-of-type{margin-bottom:0}
.card-note{font-size:.78rem;color:var(--muted);margin-top:2px}
.scenario-box{margin-top:24px;padding:16px;border:1px solid var(--line);border-radius:15px;background:#F7F9F6}
.scenario-head strong,.scenario-head span{display:block}
.scenario-head span{font-size:.78rem;color:var(--muted);margin-top:2px}
.scenario-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:7px;margin-top:12px}
.scenario{min-height:40px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--forest);font-weight:800;cursor:pointer;appearance:none;-webkit-appearance:none;position:relative;z-index:1;pointer-events:auto;touch-action:manipulation}
.scenario:hover{border-color:var(--forest2);background:var(--pale)}
.scenario.active{background:var(--forest);color:#fff;border-color:var(--forest)}
.scenario:focus-visible{outline:3px solid var(--sage);outline-offset:2px}
.scenario-result{margin-top:11px;font-size:.79rem;color:var(--muted);line-height:1.45}
.scenario-result strong{color:var(--forest)}
.example{color:var(--muted)}
.content{width:100%}
.content-card{width:100%;max-width:none;box-sizing:border-box}
.warning{margin-top:14px;padding:12px 14px;border-radius:12px;background:#F7EFE5;color:var(--ink);font-size:.82rem;line-height:1.45}
@media(max-width:520px){.scenario-grid{grid-template-columns:repeat(3,1fr)}.card-head{align-items:flex-start;gap:12px}.reset{white-space:nowrap}}

.v11-additions{margin-top:14px}
/* V11.1 — home sections are now single, consistent six-card grids */
.v11-additions{display:none}


/* Decision-oriented result guidance */
.decision-card{border-left:4px solid var(--sage)}
.decision-card ul{margin:14px 0 0 20px;padding:0}
.decision-card li{margin:7px 0;color:var(--muted)}

.decision-insight{margin-top:18px;padding:22px;border:1px solid var(--line);border-radius:18px;background:var(--pale)}
.decision-insight h3{margin:0 0 8px;color:var(--forest)}
.decision-insight p{margin:0;color:var(--ink);line-height:1.6}
.decision-insight .insight-value{font-weight:800;font-size:1.05em}

/* V15 UX polish */
.result-card{min-height:180px}
input,select{min-height:46px}
input:focus,select:focus{outline:3px solid rgba(168,183,160,.35);outline-offset:1px}
.ad-slot{min-height:90px;display:flex;align-items:center;justify-content:center}
.section-intro{margin:-8px 0 20px;color:var(--muted);max-width:720px}
.decision-insight{box-sizing:border-box}
@media (max-width:760px){
  .hero h1{font-size:clamp(2rem,9vw,3rem);line-height:1.04}
  .calculator-grid{grid-template-columns:1fr!important}
  .result-card{position:static!important}
  .content-card{padding:22px 18px}
  .ad-slot{min-height:100px}
}

.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:12px;top:12px;z-index:9999;background:var(--forest);color:#fff;padding:10px 14px;border-radius:10px}

/* V16 AdSense placement */
.ad{
  width:100%;
  min-height:110px;
  margin:26px 0;
  padding:12px 0;
  box-sizing:border-box;
  display:flex;
  align-items:center;
  justify-content:center;
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
  background:rgba(255,255,255,.42);
  color:var(--muted);
}
.ad-label{
  font-size:.68rem;
  line-height:1;
  letter-spacing:.08em;
  text-transform:uppercase;
}
@media (min-width:761px){
  .ad{min-height:120px}
}
@media (max-width:760px){
  .ad{min-height:100px;margin:24px 0}
}
.footer-legal{margin-top:8px;font-size:.85rem}