:root{
  --paper:#F7F7F3;
  --paper-raised:#FFFFFF;
  --ink:#1B2B2B;
  --ink-soft:#4A5A5A;
  --teal:#1F6F5C;
  --teal-deep:#154D40;
  --gold:#C9A227;
  --gold-soft:#E9D9A8;
  --line:#DCD9CE;
  --radius:2px;
}
*{box-sizing:border-box; margin:0; padding:0;}
html{scroll-behavior:smooth;}
body{
  background:var(--paper);
  color:var(--ink);
  font-family:'IBM Plex Sans', sans-serif;
  line-height:1.6;
  min-height:100vh;
  display:flex;
  flex-direction:column;
}
.wrap{max-width:1080px; margin:0 auto; padding:0 20px;}
a{color:var(--teal-deep);}
a:hover{color:var(--teal);}

/* Header */
header.masthead{border-bottom:2px solid var(--ink); padding:22px 0 0;}
header.masthead .top-row{
  display:flex; justify-content:space-between; align-items:center;
  flex-wrap:wrap; gap:10px; padding-bottom:16px;
}
.brand{font-family:'Fraunces', serif; font-weight:600; font-size:1.7rem; letter-spacing:-0.01em; text-decoration:none; color:var(--ink);}
.brand span{color:var(--teal);}
.tagline{font-size:0.8rem; color:var(--ink-soft); font-style:italic; font-family:'Fraunces', serif;}

nav.tabs{display:flex; gap:4px; overflow-x:auto; padding-top:6px;}
nav.tabs a{
  font-family:'Space Mono', monospace; font-size:0.76rem; letter-spacing:0.03em; text-transform:uppercase;
  background:var(--paper); border:1px solid var(--line); border-bottom:none;
  color:var(--ink-soft); padding:10px 16px 12px; white-space:nowrap;
  border-radius:var(--radius) var(--radius) 0 0; position:relative; top:1px; text-decoration:none;
}
nav.tabs a .num{color:var(--gold); margin-right:6px;}
nav.tabs a.active{background:var(--paper-raised); color:var(--ink); border-color:var(--ink);
  border-bottom:1px solid var(--paper-raised); font-weight:600;}

main{flex:1; padding:0 0 60px;}
.page-panel{background:var(--paper-raised); border:1px solid var(--ink); border-top:none; padding:36px;}
@media (max-width:640px){.page-panel{padding:22px 16px;}}

.page-panel h1, .page-panel h2{font-family:'Fraunces', serif; font-weight:600; letter-spacing:-0.01em;}
.page-panel h1{font-size:1.7rem; margin-bottom:6px;}
.page-panel .sub{color:var(--ink-soft); font-size:0.92rem; margin-bottom:28px; max-width:65ch;}

.grid{display:grid; grid-template-columns:1fr 1fr; gap:24px 32px;}
@media (max-width:640px){.grid{grid-template-columns:1fr;}}

.field{margin-bottom:18px;}
.field label{display:block; font-size:0.76rem; text-transform:uppercase; letter-spacing:0.04em;
  color:var(--ink-soft); margin-bottom:6px; font-family:'Space Mono', monospace;}
.field input, .field select{
  width:100%; padding:10px 12px; border:1px solid var(--line); background:var(--paper);
  font-family:'Space Mono', monospace; font-size:1rem; color:var(--ink); border-radius:var(--radius);
}
.field input:focus, .field select:focus{outline:2px solid var(--teal); outline-offset:1px; border-color:var(--teal);}

.radio-row{display:flex; gap:14px; flex-wrap:wrap;}
.radio-row label{display:flex; align-items:center; gap:6px; font-size:0.85rem; text-transform:none;
  letter-spacing:0; font-family:'IBM Plex Sans', sans-serif;}

.btn{background:var(--teal); color:#fff; border:none; padding:12px 24px; font-family:'Space Mono', monospace;
  font-size:0.85rem; text-transform:uppercase; letter-spacing:0.04em; cursor:pointer; border-radius:var(--radius);
  transition:background 0.15s ease;}
.btn:hover{background:var(--teal-deep);}
.btn:focus-visible{outline:2px solid var(--gold); outline-offset:2px;}

.result{margin-top:24px; border-top:2px solid var(--ink); padding-top:18px;}
.result .amount{font-family:'Fraunces', serif; font-size:2rem; font-weight:600; color:var(--teal-deep);}
.result .label{font-size:0.76rem; text-transform:uppercase; letter-spacing:0.04em; color:var(--ink-soft);
  font-family:'Space Mono', monospace;}
.result-lines{margin-top:14px; border-top:1px solid var(--line);}
.result-lines div{display:flex; justify-content:space-between; padding:9px 0; border-bottom:1px dashed var(--line);
  font-family:'Space Mono', monospace; font-size:0.88rem;}
.hidden{display:none;}

.ad-slot{border:1px dashed var(--line); color:var(--ink-soft); font-family:'Space Mono', monospace;
  font-size:0.68rem; text-align:center; padding:14px; margin:28px 0; letter-spacing:0.05em; text-transform:uppercase;}

/* Article / info content for SEO */
.article{margin-top:40px; border-top:1px solid var(--line); padding-top:30px;}
.article h2{font-size:1.25rem; margin-bottom:10px;}
.article h3{font-family:'Fraunces', serif; font-size:1.05rem; margin:18px 0 8px;}
.article p{margin-bottom:12px; color:var(--ink-soft); max-width:70ch; font-size:0.94rem;}
.article ul, .article ol{margin:0 0 12px 20px; color:var(--ink-soft); font-size:0.94rem;}
.article li{margin-bottom:6px;}
.faq dt{font-weight:600; margin-top:14px; font-family:'IBM Plex Sans'; color:var(--ink);}
.faq dd{color:var(--ink-soft); font-size:0.92rem; margin-top:2px;}

/* Home page cards */
.tool-grid{display:grid; grid-template-columns:1fr 1fr; gap:20px; margin-top:26px;}
@media (max-width:640px){.tool-grid{grid-template-columns:1fr;}}
.tool-card{border:1px solid var(--line); background:var(--paper); padding:22px; text-decoration:none; color:var(--ink);
  display:block; transition:border-color .15s ease, transform .15s ease;}
.tool-card:hover{border-color:var(--teal); transform:translateY(-2px);}
.tool-card .eyebrow{font-family:'Space Mono', monospace; font-size:0.72rem; color:var(--gold); text-transform:uppercase; letter-spacing:0.04em;}
.tool-card h3{font-family:'Fraunces', serif; font-size:1.2rem; margin:6px 0 8px;}
.tool-card p{color:var(--ink-soft); font-size:0.88rem;}

footer{border-top:2px solid var(--ink); padding:20px 0 40px; font-size:0.78rem; color:var(--ink-soft);
  font-family:'Space Mono', monospace;}
footer .wrap{display:flex; justify-content:space-between; flex-wrap:wrap; gap:10px;}
footer a{color:var(--ink-soft); margin-left:14px;}
footer a:first-child{margin-left:0;}