:root{
  --bg:#0a0e17; --bg2:#111827; --card:rgba(255,255,255,.055); --card-strong:rgba(255,255,255,.085);
  --line:rgba(255,255,255,.11); --line-strong:rgba(255,255,255,.2);
  --gold:#c9a962; --gold-2:#e8d5a3; --gold-glow:rgba(201,169,98,.32);
  --blue:#7aa2e3; --teal:#5ec4b6;
  --text:#f4f1ea; --muted:rgba(244,241,234,.62); --faint:rgba(244,241,234,.4);
  --input:rgba(0,0,0,.28); --radius:18px; --radius-sm:11px;
  --font:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
  --display:"Playfair Display",Georgia,serif;
  color-scheme:dark;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;min-height:100vh;font:15px/1.5 var(--font);color:var(--text);background:var(--bg);
  font-variant-numeric:tabular-nums;-webkit-font-smoothing:antialiased;overflow-x:hidden}
body::before{content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;
  background:
   radial-gradient(900px 520px at 8% -8%,rgba(201,169,98,.20),transparent 60%),
   radial-gradient(800px 560px at 105% 10%,rgba(90,130,210,.16),transparent 60%),
   radial-gradient(700px 500px at 50% 115%,rgba(201,169,98,.10),transparent 60%),
   linear-gradient(180deg,#0b101b,#0a0e17 60%)}
a{color:var(--gold-2)}
.wrap{max-width:1180px;margin:0 auto;padding:0 22px}

/* Header */
.site-header{position:sticky;top:0;z-index:20;backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  background:rgba(10,14,23,.72);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;gap:18px;min-height:66px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--text);margin-right:auto}
.brand svg{width:34px;height:34px;flex:none}
.brand b{font:600 18px/1.1 var(--display);letter-spacing:.2px;display:block}
.brand small{display:block;font-size:11.5px;color:var(--muted);letter-spacing:.08em;text-transform:uppercase}
.tabs{display:flex;gap:4px;padding:4px;border:1px solid var(--line);border-radius:999px;background:rgba(0,0,0,.25)}
.tabs a{display:flex;align-items:center;gap:7px;padding:8px 15px;border-radius:999px;color:var(--muted);
  text-decoration:none;font-weight:500;font-size:14px;transition:background .2s,color .2s}
.tabs a svg{width:16px;height:16px}
.tabs a:hover{color:var(--text);background:rgba(255,255,255,.06)}
.tabs a[aria-current=page]{color:#0a0e17;background:linear-gradient(135deg,var(--gold-2),var(--gold));
  box-shadow:0 6px 18px -6px var(--gold-glow)}

/* Hero */
.hero{padding:38px 0 22px;display:flex;align-items:flex-end;justify-content:space-between;gap:24px;flex-wrap:wrap}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-2)}
.eyebrow::before{content:"";width:22px;height:1px;background:var(--gold)}
.hero h1{font:600 clamp(30px,4.2vw,46px)/1.08 var(--display);margin:10px 0 10px;letter-spacing:-.01em}
.hero p{margin:0;color:var(--muted);max-width:620px}
.hero-art{width:150px;height:110px;flex:none;opacity:.95}

/* Cards */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:0 24px 60px -30px rgba(0,0,0,.6),inset 0 1px 0 rgba(255,255,255,.05);padding:24px;margin-bottom:20px}
.card h2{font:600 19px/1.2 var(--display);margin:0 0 4px;display:flex;align-items:center;gap:10px}
.card h2 .ico{width:30px;height:30px;border-radius:9px;display:grid;place-items:center;
  background:rgba(201,169,98,.14);border:1px solid rgba(201,169,98,.3);color:var(--gold-2)}
.card h2 .ico svg{width:16px;height:16px}
.card .sub{color:var(--muted);font-size:13.5px;margin:0 0 18px}
.grid{display:grid;gap:16px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.layout{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:20px;align-items:start}

/* Fields */
.field{display:flex;flex-direction:column;gap:7px;min-width:0}
.field>label,.lbl{font-size:12.5px;font-weight:500;color:var(--muted);letter-spacing:.02em}
.control{position:relative;display:flex;min-width:0;align-items:center;background:var(--input);border:1px solid var(--line);
  border-radius:var(--radius-sm);transition:border-color .2s,box-shadow .2s}
.control:focus-within{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,169,98,.18)}
.control .pre,.control .suf{color:var(--faint);font-size:14px;padding:0 0 0 13px;white-space:nowrap}
.control .suf{padding:0 13px 0 0}
.control input,.control select{flex:1;min-width:0;width:100%;background:transparent;border:0;outline:0;color:var(--text);
  font:500 16px/1 var(--font);padding:12px 13px;font-variant-numeric:tabular-nums}
.control select{appearance:none;-webkit-appearance:none;cursor:pointer;padding-right:34px;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23c9a962' stroke-width='2.5' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 12px center}
.control select option{background:#151b28;color:var(--text)}
.control.out{background:rgba(255,255,255,.025);border-style:dashed}
.control.out input{cursor:default;color:var(--gold-2);font-weight:600}

/* Scenario columns (qualifier) */
.scen-head{display:grid;grid-template-columns:170px repeat(3,minmax(0,1fr));gap:12px;align-items:end;margin-bottom:6px}
.scen-row{display:grid;grid-template-columns:170px repeat(3,minmax(0,1fr));gap:12px;align-items:center;padding:7px 0}
.scen-row+.scen-row{border-top:1px solid rgba(255,255,255,.05)}
.scen-row .lbl{font-size:13.5px;color:var(--muted)}
.scen-row.total .lbl{color:var(--text);font-weight:600}
.scen-row.key .control{border-color:rgba(201,169,98,.45);background:rgba(201,169,98,.08)}
.scen-row.key .control input{font-size:17px}
.pill{display:inline-flex;align-items:center;justify-content:center;gap:6px;font-size:11.5px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--gold-2);padding:0 0 6px}
.pill i{width:8px;height:8px;border-radius:50%;display:inline-block}
.sep{height:1px;background:var(--line);margin:12px 0}
.mini-link{font-size:12.5px;color:var(--gold-2);text-decoration:none;display:inline-flex;gap:5px;align-items:center;margin-top:6px}
.mini-link:hover{text-decoration:underline}
@media (pointer:coarse){.mini-link{min-height:40px;padding:6px 0}}

/* Buttons */
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.btn{appearance:none;border:0;cursor:pointer;font:600 15px/1 var(--font);padding:14px 26px;border-radius:999px;
  color:#0a0e17;background:linear-gradient(135deg,var(--gold-2),var(--gold));box-shadow:0 12px 30px -12px var(--gold-glow);
  display:inline-flex;align-items:center;gap:9px;white-space:nowrap;text-decoration:none;transition:transform .15s,box-shadow .2s}
.btn:hover{transform:translateY(-1px);box-shadow:0 16px 34px -12px var(--gold-glow)}
.btn:active{transform:translateY(0)}
.btn svg{width:17px;height:17px}
.btn.ghost{background:transparent;color:var(--text);border:1px solid var(--line-strong);box-shadow:none}
.btn.ghost:hover{background:rgba(255,255,255,.06)}

/* Stats + charts */
.stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.stat{border:1px solid var(--line);border-radius:14px;padding:14px 16px;background:rgba(0,0,0,.18)}
.stat .k{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.1em}
.stat .v{font:600 22px/1.25 var(--display);margin-top:6px;color:var(--text)}
.stat .v small{font:500 12px var(--font);color:var(--faint)}
.chart{margin-top:16px}
.bar-row{display:grid;grid-template-columns:110px 1fr 120px;gap:12px;align-items:center;margin:10px 0;font-size:13.5px}
.bar-row .name{color:var(--muted)}
.bar{height:12px;border-radius:999px;background:rgba(255,255,255,.06);overflow:hidden}
.bar span{display:block;height:100%;width:0;border-radius:999px;transition:width .6s cubic-bezier(.2,.8,.2,1)}
.bar-row .val{text-align:right;font-weight:600}
.legend{display:flex;gap:16px;flex-wrap:wrap;font-size:12.5px;color:var(--muted);margin-top:8px}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.stack{display:flex;height:14px;border-radius:999px;overflow:hidden;background:rgba(255,255,255,.06)}
.stack span{display:block;height:100%;transition:width .6s cubic-bezier(.2,.8,.2,1)}
.empty{color:var(--faint);font-size:13.5px;padding:8px 0}

/* Two-column compare (payment) */
.cmp-head{display:grid;grid-template-columns:200px repeat(2,minmax(0,1fr));gap:14px;align-items:end}
.cmp-row{display:grid;grid-template-columns:200px repeat(2,minmax(0,1fr));gap:14px;align-items:center;padding:7px 0}
.cmp-row+.cmp-row{border-top:1px solid rgba(255,255,255,.05)}
.cmp-row .lbl{font-size:13.5px;color:var(--muted)}

/* Insurance */
.seg{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.panel{border:1px solid var(--line);border-radius:16px;padding:18px;background:rgba(0,0,0,.16)}
.panel h3{margin:0 0 14px;font:600 13px/1 var(--font);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-2);
  display:flex;align-items:center;gap:8px}
.panel h3 svg{width:16px;height:16px}
.panel .rowx{display:grid;grid-template-columns:120px 1fr;gap:10px;align-items:center;margin:10px 0}
.panel .rowx .lbl{font-size:13.5px}
.panel .rowx.tax{grid-template-columns:120px 1fr}
.tax-sel{display:flex;gap:8px;align-items:center}
.tax-sel .control{flex:0 0 auto;width:100px}
.panel .rowx.total .lbl{color:var(--text);font-weight:600}
.panel .rowx.total .control{border-color:rgba(201,169,98,.45);background:rgba(201,169,98,.08)}
.note{display:flex;gap:12px;align-items:flex-start;font-size:13px;color:var(--muted);border:1px solid rgba(245,158,11,.3);
  background:rgba(245,158,11,.06);border-radius:14px;padding:14px 16px;margin-top:18px}
.note svg{width:18px;height:18px;flex:none;color:#fbbf24;margin-top:1px}

.site-footer{border-top:1px solid var(--line);margin-top:30px;padding:22px 0 34px;color:var(--faint);font-size:12.5px}
.site-footer .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}

.hidden{display:none!important}

/* Scenario switcher (phones only) */
.scen-switch{display:none}
.scen-switch button{flex:1;appearance:none;border:0;background:transparent;color:var(--muted);font:600 13px/1.2 var(--font);
  padding:9px 6px;border-radius:10px;cursor:pointer;display:flex;flex-direction:column;align-items:center;gap:3px;min-height:48px}
.scen-switch button i{width:8px;height:8px;border-radius:50%;display:inline-block}
.scen-switch button small{font:500 11.5px var(--font);color:var(--faint)}
.scen-switch button[aria-selected=true]{background:rgba(255,255,255,.09);color:var(--text);box-shadow:inset 0 0 0 1px var(--line-strong)}
.scen-switch button[aria-selected=true] small{color:var(--gold-2)}

@media (max-width:980px){
  .layout{grid-template-columns:1fr}
  .g4{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:720px){
  .wrap{padding:0 14px}
  .site-header .wrap{min-height:0;padding-top:10px;padding-bottom:10px;gap:10px}
  .brand svg{width:30px;height:30px}
  .tabs{width:100%;justify-content:space-between}
  .tabs a{padding:10px 8px;font-size:13.5px;flex:1;justify-content:center;min-height:42px}
  .hero{padding:24px 0 16px}
  .hero h1{font-size:31px}
  .hero p{font-size:14.5px}
  .hero-art{display:none}
  .card{padding:18px 16px;border-radius:16px;margin-bottom:16px}
  .g2,.g3,.g4,.seg{grid-template-columns:1fr}
  .grid{gap:14px}
  /* 16px inputs stop iOS from zooming on focus; 46px tall for easy tapping */
  .control input,.control select{font-size:16px;min-height:46px;padding:11px 12px}
  .control select{padding-right:32px;background-position:right 12px center}
  .control .pre{padding-left:12px}
  /* Qualifier: one scenario at a time, chosen with the switcher */
  .scen-switch{display:flex;gap:6px;padding:5px;border:1px solid var(--line);border-radius:14px;background:rgba(0,0,0,.25);margin-bottom:14px}
  .scen-head{display:none}
  .scen-row{grid-template-columns:minmax(0,1fr) minmax(0,1.25fr);gap:10px}
  .scen-row .lbl{font-size:13.5px}
  .scen .sc{display:none}
  .scen[data-show="1"] .s1,.scen[data-show="2"] .s2,.scen[data-show="3"] .s3{display:block}
  .mini-link{min-height:42px;padding:8px 0;margin-top:0}
  /* Payment: label on its own line, two mortgages side by side below */
  .cmp-head{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
  .cmp-head>span:first-child{display:none}
  .cmp-row{grid-template-columns:repeat(2,minmax(0,1fr));gap:6px 10px;padding:9px 0}
  .cmp-row .lbl{grid-column:1/-1;font-size:13px}
  .cmp-row .control input[readonly]{font-size:15px}
  .cmp-row .control .suf{padding-right:10px;font-size:13px}
  /* Insurance: stack label above each field */
  .panel{padding:16px}
  .panel .rowx,.panel .rowx.tax{grid-template-columns:minmax(0,1fr);gap:6px;margin:12px 0}
  .tax-sel{display:grid;grid-template-columns:110px minmax(0,1fr);gap:8px}
  .tax-sel .control{width:auto}
  .actions{gap:10px}
  .actions .btn{flex:1;justify-content:center;min-height:50px;padding:14px 16px}
  .stats{grid-template-columns:1fr;gap:10px}
  #pStats{grid-template-columns:1fr!important}
  .stat .v{font-size:20px}
  .bar-row{grid-template-columns:72px minmax(0,1fr) auto;gap:10px;font-size:13px}
  .note{font-size:12.5px}
  .site-footer .wrap{flex-direction:column;gap:6px}
}
@media (max-width:380px){
  .tabs a{font-size:12.5px;padding:10px 4px}
  .hero h1{font-size:28px}
  .cmp-row .control input{padding:11px 8px}
  .cmp-row .control input[readonly]{font-size:14px}
  .cmp-row .control .pre{padding-left:9px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}