:root {
  --navy: #102e2d;
  --navy-2: #173b38;
  --ink: #172321;
  --muted: #687572;
  --mint: #a9e7c8;
  --mint-dark: #72c5a2;
  --mint-pale: #e8f7ef;
  --line: #dce5e1;
  --paper: #ffffff;
  --wash: #f3f7f5;
  --coral: #e9775a;
  --serif: "Newsreader", Georgia, serif;
  --sans: "DM Sans", Arial, sans-serif;
  --shadow: 0 26px 70px rgba(7, 34, 31, 0.16);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: var(--sans); }
a { color: inherit; text-decoration: none; }
button, input { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }

.site-header {
  height: 82px; max-width: 1280px; margin: 0 auto; padding: 0 28px;
  display: flex; align-items: center; justify-content: space-between;
}
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 700; letter-spacing: -.04em; }
.brand svg { width: 32px; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linejoin: round; }
.site-header nav { display: flex; gap: 34px; font-size: 14px; font-weight: 500; }
.site-header nav a, .header-actions > a:first-child { color: #52625f; }
.site-header a:hover { color: #000; }
.header-actions { display: flex; align-items: center; gap: 24px; font-size: 14px; }
.button {
  border: 0; border-radius: 7px; background: var(--mint); color: #0b2c25; padding: 15px 22px;
  font-weight: 700; cursor: pointer; transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}
.button:hover { transform: translateY(-2px); background: #b8efd4; box-shadow: 0 10px 30px rgba(34, 99, 77, .18); }
.button-small { padding: 11px 17px; }

.hero {
  background: var(--navy); color: white; min-height: 670px; padding: 72px max(28px, calc((100vw - 1224px)/2)) 82px;
  display: grid; grid-template-columns: 1fr 570px; gap: 92px; align-items: center; position: relative; overflow: hidden;
}
.hero::before { content: ""; position: absolute; width: 460px; height: 460px; border: 1px solid rgba(169,231,200,.08); border-radius: 50%; left: -210px; bottom: -260px; box-shadow: 0 0 0 65px rgba(169,231,200,.025), 0 0 0 130px rgba(169,231,200,.018); }
.hero-copy { max-width: 535px; position: relative; z-index: 1; }
.hero h1 { font: 500 clamp(54px, 5.2vw, 78px)/.98 var(--serif); letter-spacing: -.045em; margin: 0 0 28px; }
.hero-copy > p { color: #bfd0cc; font-size: 18px; line-height: 1.65; max-width: 490px; }
.hero-note { margin-top: 42px; padding-top: 25px; border-top: 1px solid rgba(255,255,255,.12); display: flex; gap: 12px; color: #9db3ae; font-size: 13px; }
.note-mark { color: var(--mint); }

.calculator { background: white; color: var(--ink); padding: 32px 36px 25px; box-shadow: var(--shadow); position: relative; z-index: 1; }
.panel-heading { display: flex; justify-content: space-between; gap: 20px; padding-bottom: 21px; margin-bottom: 20px; border-bottom: 1px solid var(--line); }
.panel-heading h2 { font: 600 27px/1.1 var(--serif); margin: 0 0 6px; }
.panel-heading p { margin: 0; color: var(--muted); font-size: 13px; }
.reset-button { color: #52706a; background: none; border: 0; text-decoration: underline; cursor: pointer; font-size: 12px; }
.calculator label { display: block; margin-bottom: 14px; }
.calculator label > span:first-child { display: block; margin-bottom: 7px; font-size: 12px; font-weight: 700; color: #475652; }
.field-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.calculator input { width: 100%; height: 44px; border: 1px solid #cfdad6; border-radius: 5px; padding: 0 13px; color: var(--ink); outline: none; background: white; }
.calculator input:focus { border-color: #3d9274; box-shadow: 0 0 0 3px rgba(113,197,160,.2); }
.money-input, .suffix-input { display: flex; align-items: center; border: 1px solid #cfdad6; border-radius: 5px; height: 44px; }
.money-input:focus-within, .suffix-input:focus-within { border-color: #3d9274; box-shadow: 0 0 0 3px rgba(113,197,160,.2); }
.money-input b { padding-left: 13px; font-size: 13px; color: #60706c; }
.money-input input, .suffix-input input { border: 0; box-shadow: none !important; height: 42px; }
.suffix-input b { padding-right: 13px; font-size: 13px; color: #60706c; }
.calculate-button { width: 100%; background: var(--navy); color: white; display: flex; justify-content: space-between; margin-top: 5px; }
.calculate-button:hover { background: #1d4642; }
.privacy-line { text-align: center; color: #7f8c89; font-size: 11px; margin: 13px 0 0; }

.results { padding: 104px max(28px, calc((100vw - 1224px)/2)); background: #fff; }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 50px; margin-bottom: 55px; }
.section-label { font-size: 11px; font-weight: 700; letter-spacing: .16em; color: #60917e; margin: 0 0 10px; }
.section-heading h2, .guides h2, .methodology h2 { font: 500 clamp(42px, 4vw, 60px)/1 var(--serif); letter-spacing: -.035em; margin: 0; }
.results-heading > p { max-width: 370px; text-align: right; color: var(--muted); font-size: 13px; line-height: 1.6; }
.result-layout { display: grid; grid-template-columns: 390px 1fr; gap: 76px; align-items: stretch; }
.metric-column { border-top: 1px solid var(--ink); padding-top: 26px; }
.main-metric span, .metric-row span, .chart-header span { display: block; font-size: 12px; color: var(--muted); margin-bottom: 8px; }
.main-metric strong { font: 500 74px/1 var(--serif); letter-spacing: -.045em; }
.metric-row { display: grid; grid-template-columns: 1.4fr 1fr; margin: 32px 0; padding: 24px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.metric-row > div + div { border-left: 1px solid var(--line); padding-left: 24px; }
.metric-row strong { font: 600 30px/1 var(--serif); }
.metric-row small { color: var(--muted); margin-left: 4px; }
.status-box { display: flex; gap: 12px; padding: 17px; background: var(--mint-pale); font-size: 13px; line-height: 1.5; }
.status-box p { margin: 0; }
.status-icon { color: #28765a; font-size: 20px; }
.secondary-button { margin-top: 22px; width: 100%; }
.chart-card { background: var(--wash); min-height: 450px; padding: 30px 34px 18px; }
.chart-header { display: flex; justify-content: space-between; align-items: start; }
.chart-header strong { font-size: 18px; }
.legend { display: flex; align-items: center; gap: 7px; color: var(--muted); font-size: 10px; }
.legend i { width: 16px; height: 2px; background: #4aad87; }
.legend i:nth-of-type(2) { background: #a9b7b2; margin-left: 9px; }
.chart-wrap { position: relative; height: 350px; margin-top: 18px; }
#savings-chart { width: 100%; height: 100%; overflow: visible; }
.chart-tooltip { opacity: 0; position: absolute; pointer-events: none; background: var(--navy); color: white; padding: 8px 10px; border-radius: 4px; font-size: 11px; transform: translate(-50%, -115%); transition: opacity .15s; white-space: nowrap; }

.partner-section { background: var(--wash); padding: 94px max(28px, calc((100vw - 1224px)/2)); }
.sponsored-head { display: flex; justify-content: space-between; align-items: end; margin-bottom: 34px; }
.sponsored-head span { color: #65736f; text-transform: uppercase; letter-spacing: .14em; font-size: 10px; }
.sponsored-head h2 { font: 500 36px/1.1 var(--serif); margin: 9px 0 0; }
.sponsored-head > a { color: #486961; font-size: 12px; text-decoration: underline; }
.offer-list { border-top: 1px solid #bfcac6; }
.offer-list article { display: grid; grid-template-columns: 52px 1fr auto; gap: 20px; align-items: center; padding: 23px 4px; border-bottom: 1px solid #d4ddda; }
.offer-icon { width: 40px; height: 40px; border: 1px solid #b8c9c3; display: grid; place-items: center; border-radius: 50%; font-family: var(--serif); font-size: 19px; }
.offer-list h3 { font-size: 15px; margin: 0 0 5px; }
.offer-list p { color: var(--muted); font-size: 12px; margin: 0; }
.offer-list a { font-size: 12px; font-weight: 700; color: #285e50; }
.offer-list a span { margin-left: 13px; }
.ad-slot { margin: 50px auto 0; max-width: 970px; height: 90px; border: 1px dashed #b8c5c0; display: flex; flex-direction: column; justify-content: center; align-items: center; color: #899690; }
.ad-slot span { font-size: 8px; letter-spacing: .2em; }
.ad-slot p { margin: 4px 0 2px; font-size: 11px; }
.ad-slot small { font-size: 8px; }

.guides { padding: 112px max(28px, calc((100vw - 1224px)/2)); display: grid; grid-template-columns: .85fr 1.15fr; gap: 100px; }
.guide-intro p { color: var(--muted); line-height: 1.7; max-width: 410px; }
.guide-links { border-top: 1px solid var(--ink); }
.guide-links a { display: grid; grid-template-columns: 36px 1fr auto; gap: 18px; padding: 25px 5px; border-bottom: 1px solid var(--line); transition: padding .2s, background .2s; }
.guide-links a:hover { padding-left: 14px; background: var(--wash); }
.guide-links > a > span { color: #6f7f7b; font-size: 11px; }
.guide-links h3 { margin: 0 0 6px; font: 600 22px/1.15 var(--serif); }
.guide-links p { margin: 0; color: var(--muted); font-size: 12px; }
.guide-links b { font-weight: 400; }

.methodology { background: var(--navy); color: white; padding: 100px max(28px, calc((100vw - 1224px)/2)); display: grid; grid-template-columns: 1fr 1fr; gap: 120px; }
.methodology > div > p { color: #afc2bd; line-height: 1.7; max-width: 540px; }
.methodology ul { margin: 0; padding: 0; list-style: none; border-top: 1px solid rgba(255,255,255,.2); }
.methodology li { padding: 19px 0; border-bottom: 1px solid rgba(255,255,255,.13); display: grid; grid-template-columns: 130px 1fr; gap: 20px; }
.methodology li b { font-size: 13px; color: var(--mint); }
.methodology li span { font-size: 12px; color: #afc2bd; line-height: 1.5; }

.policy-center {
  padding: 108px max(28px, calc((100vw - 1224px)/2));
  display: grid; grid-template-columns: .8fr 1.2fr; gap: 110px; background: white;
}
.policy-intro { position: sticky; top: 40px; align-self: start; }
.policy-intro h2 { font: 500 clamp(40px, 3.7vw, 56px)/1.02 var(--serif); letter-spacing: -.035em; margin: 0; }
.policy-intro > p:last-child { color: var(--muted); font-size: 13px; line-height: 1.7; max-width: 470px; margin-top: 24px; }
.policy-list { border-top: 1px solid var(--ink); }
.policy-list details { border-bottom: 1px solid var(--line); scroll-margin-top: 24px; }
.policy-list summary {
  min-height: 82px; display: grid; grid-template-columns: 42px 1fr auto; align-items: center;
  cursor: pointer; list-style: none; padding: 0 4px; transition: color .2s, padding .2s, background .2s;
}
.policy-list summary::-webkit-details-marker { display: none; }
.policy-list summary:hover { color: #246d57; padding-left: 12px; background: var(--wash); }
.policy-list summary span { color: #788783; font-size: 10px; }
.policy-list summary strong { font: 600 25px/1 var(--serif); }
.policy-list summary b { font-size: 22px; font-weight: 400; transition: transform .2s; }
.policy-list details[open] summary b { transform: rotate(45deg); }
.policy-content { padding: 0 46px 30px; color: #586763; font-size: 13px; line-height: 1.75; }
.policy-content p { margin: 0 0 13px; }
.policy-content a { color: #22664f; text-decoration: underline; text-underline-offset: 3px; }
.contact-content { display: grid; grid-template-columns: 1fr auto; gap: 28px; align-items: end; }
.contact-name { color: var(--ink); font: 600 28px/1 var(--serif); }
.contact-email { display: inline-flex; gap: 18px; align-items: center; font-weight: 700; white-space: nowrap; }

footer { background: #0a2423; color: white; padding: 70px max(28px, calc((100vw - 1224px)/2)) 35px; }
.footer-top { display: flex; align-items: center; justify-content: space-between; padding-bottom: 35px; border-bottom: 1px solid rgba(255,255,255,.12); }
.footer-top p { color: #94aaa5; font-family: var(--serif); font-size: 20px; }
.footer-links { display: flex; gap: 28px; padding: 28px 0; font-size: 12px; }
.disclaimer { border-top: 1px solid rgba(255,255,255,.12); padding-top: 25px; display: flex; justify-content: space-between; gap: 40px; color: #78908a; font-size: 10px; line-height: 1.6; }
.disclaimer p { max-width: 850px; margin: 0; }

dialog { width: min(590px, calc(100vw - 32px)); border: 0; padding: 38px; box-shadow: 0 30px 90px rgba(4,23,20,.35); }
dialog::backdrop { background: rgba(6,30,27,.7); backdrop-filter: blur(3px); }
dialog h2 { font: 500 38px/1.05 var(--serif); margin: 0 40px 12px 0; }
dialog > p { color: var(--muted); }
.dialog-close { position: absolute; right: 20px; top: 18px; border: 0; background: none; font-size: 28px; cursor: pointer; }
.action-options { display: grid; gap: 8px; margin-top: 26px; }
.action-options button { text-align: left; display: grid; grid-template-columns: 30px 1fr; padding: 16px; background: var(--wash); border: 1px solid transparent; cursor: pointer; }
.action-options button:hover { border-color: var(--mint-dark); }
.action-options span { grid-row: span 2; color: #6a817a; font-size: 10px; padding-top: 4px; }
.action-options b, .action-options small { display: block; }
.action-options small { color: var(--muted); margin-top: 4px; }

@media (max-width: 980px) {
  .site-header nav { display: none; }
  .hero { grid-template-columns: 1fr 480px; gap: 40px; }
  .hero h1 { font-size: 56px; }
  .result-layout { grid-template-columns: 1fr; }
  .metric-column { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
  .main-metric, .metric-row { grid-column: span 1; margin: 0; }
  .status-box, .secondary-button { grid-column: span 2; }
  .guides, .methodology { gap: 55px; }
  .policy-center { gap: 55px; }
}

@media (max-width: 760px) {
  .site-header { height: 68px; padding: 0 18px; }
  .header-actions > a:first-child { display: none; }
  .hero { padding: 60px 18px; grid-template-columns: 1fr; min-height: auto; }
  .hero h1 { font-size: 52px; }
  .hero-note { margin-top: 25px; }
  .calculator { padding: 26px 20px 22px; }
  .results, .partner-section, .guides, .methodology, .policy-center { padding: 72px 18px; }
  .section-heading { display: block; margin-bottom: 35px; }
  .results-heading > p { text-align: left; margin-top: 18px; }
  .metric-column { display: block; }
  .main-metric strong { font-size: 64px; }
  .metric-row { margin: 28px 0; }
  .status-box { margin-top: 20px; }
  .chart-card { margin-top: 35px; padding: 24px 15px 10px; min-height: 390px; }
  .chart-header { display: block; }
  .legend { margin-top: 15px; }
  .chart-wrap { height: 280px; }
  .offer-list article { grid-template-columns: 46px 1fr; }
  .offer-list article > a { grid-column: 2; }
  .ad-slot { height: 100px; }
  .guides, .methodology, .policy-center { grid-template-columns: 1fr; }
  .methodology { gap: 45px; }
  .policy-center { gap: 42px; }
  .policy-intro { position: static; }
  .contact-content { grid-template-columns: 1fr; }
  .contact-email { white-space: normal; }
  .footer-top, .disclaimer { display: block; }
  .footer-top p { margin-top: 28px; }
  .footer-links { flex-wrap: wrap; gap: 16px 24px; }
  .disclaimer span { display: block; margin-top: 18px; }
}

@media (max-width: 420px) {
  .brand span { font-size: 14px; }
  .button-small { font-size: 12px; padding: 10px 12px; }
  .hero h1 { font-size: 46px; }
  .field-pair { gap: 9px; }
  .calculator { margin: 0 -2px; }
  .main-metric strong { font-size: 55px; }
  .sponsored-head { display: block; }
  .sponsored-head > a { display: inline-block; margin-top: 14px; }
  .methodology li { grid-template-columns: 100px 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  * { scroll-behavior: auto !important; transition: none !important; }
}