:root{--cream:#fff8eb;--panel:#fffdf7;--panel2:#fff1da;--ink:#33261c;--muted:#745d48;--line:rgba(180,137,82,.22);--gold:#eab04d;--gold2:#c9862f;--soft:#9b8060;--ok:#2f855a;--bad:#c85244}
*{box-sizing:border-box}
body{margin:0;background:linear-gradient(180deg,#fff1d7,#fff8eb 360px);color:var(--ink);font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.55}
body:before{content:"";position:fixed;inset:0;z-index:-1;background-image:linear-gradient(rgba(196,139,63,.08) 1px,transparent 1px),linear-gradient(90deg,rgba(196,139,63,.08) 1px,transparent 1px);background-size:56px 56px;mask-image:linear-gradient(to bottom,#000,transparent 80%)}
a{color:inherit}
.top-nav{position:sticky;top:0;z-index:10;display:flex;justify-content:space-between;align-items:center;padding:18px min(6vw,72px);border-bottom:1px solid var(--line);background:rgba(255,250,241,.9);backdrop-filter:blur(16px)}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800}
.brand-mark{display:grid;place-items:center;width:36px;height:36px;border-radius:9px;background:linear-gradient(135deg,#f6ca75,#c9862f);font-weight:900}
.nav-links{display:flex;gap:22px;font-weight:750;color:var(--muted)}
.nav-links a{text-decoration:none}
.nav-links a:hover{color:#9a6424}
.hero{display:grid;grid-template-columns:minmax(0,1fr) minmax(360px,.9fr);gap:min(5vw,64px);align-items:center;width:min(1180px,calc(100% - 32px));margin:0 auto;padding:74px 0}
.hero-copy h1{max-width:760px;margin:16px 0;font-family:Georgia,"Times New Roman",serif;font-weight:500;font-size:clamp(2.7rem,5.2vw,5.4rem);line-height:1}
.hero-copy>p:not(.eyebrow){max-width:680px;color:var(--muted);font-size:1.13rem}
.eyebrow{display:inline-flex;width:fit-content;padding:7px 12px;border:1px solid var(--line);border-radius:999px;background:rgba(255,255,255,.48);color:#8f5f25;font-weight:850}
.eyebrow.small{margin:0 0 8px;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em}
.primary-link,.primary-btn{display:inline-flex;justify-content:center;align-items:center;min-height:46px;margin-top:20px;padding:12px 18px;border:0;border-radius:8px;background:linear-gradient(135deg,#f6ca75,#c9862f);color:#2d2117;text-decoration:none;font-weight:900;cursor:pointer}
.secondary-btn{min-height:40px;padding:9px 13px;border:1px solid var(--line);border-radius:8px;background:#fffaf1;color:var(--ink);font-weight:800;cursor:pointer}
.hero-panel,.calculator-card,.content-block,.tool-card{border:1px solid var(--line);border-radius:10px;background:rgba(255,253,247,.9);box-shadow:0 20px 60px rgba(118,82,39,.12)}
.calculator-card{padding:22px}
.calc-head{display:flex;justify-content:space-between;gap:16px;align-items:start}
.calc-head h2{margin:0;font-family:Georgia,"Times New Roman",serif;font-size:1.7rem}
.mode-options{display:flex;flex-wrap:wrap;gap:10px;margin:16px 0}
.mode-options label{font-weight:750;color:var(--muted)}
select,input{width:100%;min-height:42px;padding:10px 12px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink);font:inherit}
.calc-rows{display:grid;gap:10px;margin:16px 0}
.calc-row{display:grid;grid-template-columns:1.35fr .75fr .75fr 38px;gap:10px;align-items:center}
.calc-row.uk-row{grid-template-columns:1.25fr .8fr .65fr .65fr 38px}
.remove-row{height:38px;border:1px solid rgba(200,82,68,.25);border-radius:8px;background:#fff3ef;color:var(--bad);font-weight:900;cursor:pointer}
.calc-actions{display:flex;flex-wrap:wrap;gap:10px}
.result-box{margin-top:18px;padding:18px;border:1px solid var(--line);border-radius:8px;background:#fff8ed}
.result-box strong{display:block;font-size:2rem;line-height:1.1}
.result-box p{margin:6px 0;color:var(--muted)}
.disclaimer{margin:16px 0 0;color:var(--soft);font-size:.88rem}
.content{width:min(900px,calc(100% - 32px));margin:0 auto 80px}
.content-block{padding:24px;margin:18px 0}
.content-block h2{margin:0 0 10px;font-family:Georgia,"Times New Roman",serif;font-size:2rem}
.content-block p{color:var(--muted)}
.hub-grid,.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.tool-card{display:block;padding:18px;text-decoration:none}
.tool-card:hover{border-color:rgba(201,134,47,.45)}
.tool-card h3{margin:0 0 8px}
.tool-card p{margin:0;color:var(--muted)}
.faq-list{display:grid;gap:10px}
details{padding:15px;border:1px solid var(--line);border-radius:8px;background:#fffaf1}
summary{cursor:pointer;font-weight:850}
details p{margin-bottom:0}
.ad-slot{display:grid;place-items:center;min-height:92px;margin:22px 0;border:1px dashed rgba(180,137,82,.34);border-radius:8px;background:rgba(255,255,255,.48);color:var(--soft);font-size:.78rem;font-weight:850;letter-spacing:.08em;text-transform:uppercase}
footer{padding:34px min(6vw,72px);border-top:1px solid var(--line);color:var(--soft);background:rgba(255,250,241,.72)}
@media(max-width:850px){.top-nav{align-items:flex-start;gap:14px;flex-direction:column}.nav-links{flex-wrap:wrap;gap:12px}.hero{grid-template-columns:1fr;padding-top:42px}.calc-row,.calc-row.uk-row{grid-template-columns:1fr}.hub-grid,.related-grid{grid-template-columns:1fr}.hero-copy h1{font-size:clamp(2.4rem,13vw,4.4rem)}}
.quick-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:18px 0}
.info-card{padding:16px;border:1px solid var(--line);border-radius:10px;background:#fffaf1}
.info-card h3{margin:0 0 8px}.info-card p{margin:0;color:var(--muted)}
.compare-table{width:100%;border-collapse:collapse;margin-top:14px;background:#fff;border-radius:10px;overflow:hidden}
.compare-table th,.compare-table td{padding:13px 12px;border:1px solid var(--line);text-align:left;vertical-align:top}
.compare-table th{background:#fff1da;color:#5b3a1f}
.method-note{padding:16px;border-left:4px solid var(--gold2);background:#fff4df;border-radius:8px;color:var(--muted)}
.footer-links{display:flex;flex-wrap:wrap;gap:12px;margin-top:10px}.footer-links a{color:var(--muted);font-weight:700;text-decoration:none}.footer-links a:hover{color:#9a6424}
.breadcrumb{width:min(900px,calc(100% - 32px));margin:22px auto 0;color:var(--soft);font-size:.92rem}.breadcrumb a{text-decoration:none;color:var(--muted);font-weight:800}
@media(max-width:850px){.quick-grid{grid-template-columns:1fr}.compare-table{font-size:.92rem}.compare-table th,.compare-table td{padding:10px 8px}}

:root{--soft:#745d48}html{scroll-behavior:smooth;scroll-padding-top:140px}input,select{min-width:0}input:focus-visible,select:focus-visible,a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #805217;outline-offset:3px}label{display:block;font-size:.85rem;font-weight:700}label input,label select{margin-top:5px}.hero{align-items:start;padding:40px 0;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr)}.hero-copy h1{font-size:clamp(2.3rem,4vw,4rem);line-height:1.08}.hero-panel{min-width:0}.planner-card{padding:22px;border-bottom:1px solid var(--line)}.planner-card h2{margin:0 0 8px;font-family:Georgia,serif;font-size:1.8rem}.planner-card p{color:var(--muted)}.planner-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.calculator-card{box-shadow:none}.calc-row{grid-template-columns:minmax(0,1.2fr) minmax(0,1fr) minmax(0,1fr) 38px}.calc-row.uk-row{grid-template-columns:minmax(0,1.1fr) minmax(0,1fr) minmax(0,.8fr) minmax(0,.8fr) 38px}.remove-row{align-self:end;min-height:44px}.mode-options>label{flex:1;min-width:180px}.input-error{border-color:#b44230;background:#fff3ef}.formula{padding:14px;background:#fff1da;border-radius:8px;overflow-wrap:anywhere}.skip-link{position:absolute;left:12px;top:-80px;z-index:100;background:white;padding:12px}.skip-link:focus{top:12px}.content-block li{margin-bottom:8px}.compare-table{display:block;overflow-x:auto}.top-nav{position:relative}.primary-btn{margin-top:12px}.calc-actions .primary-btn{margin-top:0}[hidden]{display:none!important}
@media(max-width:1000px){.hero{grid-template-columns:1fr}.hero-copy h1{max-width:900px}.hero-copy{max-width:900px}.calc-row.uk-row{grid-template-columns:repeat(2,minmax(0,1fr)) 44px}.uk-row>label:first-child{grid-column:1/3}.uk-row>.remove-row{grid-column:3;grid-row:2/4}}
@media(max-width:600px){.top-nav{padding:14px 16px}.nav-links{font-size:.85rem;gap:12px}.hero{padding:24px 0}.hero-copy h1{font-size:2.3rem}.planner-card,.calculator-card,.content-block{padding:16px}.planner-fields{grid-template-columns:1fr}.calc-row,.calc-row.uk-row{grid-template-columns:repeat(2,minmax(0,1fr)) 44px}.calc-row>label:first-child{grid-column:1/3}.calc-row:not(.uk-row)>.remove-row{grid-column:3;grid-row:1/3}.hero-copy>p:not(.eyebrow){font-size:1rem}.content-block h2{font-size:1.6rem}.hub-grid{grid-template-columns:1fr}.calc-head{flex-wrap:wrap}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media(max-width:1000px){.calc-row.uk-row>label:first-child,.calc-row.uk-row>label:nth-child(2){grid-column:1/-1}.calc-row.uk-row>.remove-row{grid-column:3;grid-row:3}.calc-row.uk-row{padding-bottom:12px;border-bottom:1px solid var(--line)}}