:root{--ink:#20332b;--cream:#f7f3e9;--paper:#fffdf8;--sage:#dfe8d6;--green:#315c4c;--peach:#efb38e;--coral:#df7f68;--gold:#e9bd62;--lavender:#a89ab7;--muted:#68766f;--line:#dcded5;--shadow:0 24px 60px rgba(39,65,53,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:"DM Sans",sans-serif;line-height:1.55}.skip-link{position:absolute;left:-999px;top:1rem;background:#fff;padding:.8rem 1rem;z-index:20}.skip-link:focus{left:1rem}.site-header{height:82px;max-width:1200px;margin:auto;padding:0 32px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:1.06rem}.brand-mark{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--peach);font-size:16px}.site-header nav{display:flex;gap:32px}.site-header nav a{color:var(--ink);text-decoration:none;font-size:.93rem;font-weight:600}.button{display:inline-flex;align-items:center;justify-content:center;gap:14px;border:0;border-radius:999px;padding:15px 23px;background:var(--green);color:white;text-decoration:none;font:700 .94rem "DM Sans",sans-serif;box-shadow:0 8px 20px rgba(49,92,76,.18);cursor:pointer}.button:hover{transform:translateY(-1px)}.button-small{padding:10px 17px;font-size:.85rem}.hero{max-width:1200px;min-height:600px;margin:auto;padding:65px 32px 80px;display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:70px}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.75rem;font-weight:700;color:var(--coral)}h1,h2{font-family:"Fraunces",serif;line-height:1.03;letter-spacing:-.035em}h1{font-size:clamp(3.7rem,7vw,6.7rem);margin:18px 0 24px;font-weight:600}h1 em{color:var(--coral);font-style:italic}.hero-lead{font-size:1.15rem;max-width:590px;color:#53635b}.hero-actions{display:flex;align-items:center;gap:22px;margin-top:34px}.trust-note{font-size:.87rem;font-weight:600;color:#65736c}.trust-note span{color:var(--green)}.hero-visual{position:relative;min-height:430px}.sun-shape{position:absolute;width:420px;height:420px;border-radius:50%;background:var(--peach);right:4%;top:0}.cat-card{position:absolute;right:11%;top:40px;width:330px;height:390px;background:#fbf6e8;border:8px solid white;border-radius:46% 46% 32% 32%;box-shadow:var(--shadow);overflow:visible}.cat-ears i{position:absolute;top:13px;width:90px;height:100px;background:#9da98b;clip-path:polygon(50% 0,100% 100%,0 100%)}.cat-ears i:first-child{left:40px;transform:rotate(-18deg)}.cat-ears i:last-child{right:40px;transform:rotate(18deg)}.cat-face{position:absolute;z-index:2;left:63px;top:85px;width:190px;height:165px;background:#aeb89c;border-radius:48% 48% 45% 45%}.eye{position:absolute;top:75px;width:24px;height:8px;border-bottom:3px solid var(--ink);border-radius:50%}.eye.left{left:45px}.eye.right{right:45px}.nose{position:absolute;left:87px;top:98px;width:16px;height:11px;background:#6c5349;border-radius:50%}.whiskers{position:absolute;top:107px;left:30px;font-size:21px}.cat-body{position:absolute;bottom:-20px;left:41px;width:245px;height:210px;border-radius:50% 50% 28% 28%;background:#aeb89c}.budget-bubble{position:absolute;z-index:4;right:-55px;bottom:35px;background:white;border-radius:16px;padding:13px 17px;box-shadow:0 10px 25px rgba(43,59,51,.15);display:flex;flex-direction:column}.budget-bubble strong{font-family:"Fraunces";font-size:1.35rem}.budget-bubble span{font-size:.68rem;color:var(--muted)}.plant{position:absolute;z-index:3;left:2%;bottom:12px;font-size:58px;transform:rotate(-13deg)}.plant span:last-child{margin-left:-28px}.calculator-section{background:var(--paper);padding:95px 32px}.section-heading{max-width:760px;text-align:center;margin:0 auto 52px}.section-heading h2,.how-copy h2,.closing-card h2{font-size:clamp(2.5rem,5vw,4.2rem);margin:13px 0 16px}.section-heading p{color:var(--muted);max-width:650px;margin:auto}.calculator-shell{max-width:1120px;margin:auto;display:grid;grid-template-columns:1.12fr .88fr;border-radius:28px;overflow:hidden;box-shadow:var(--shadow);border:1px solid #e8e8e1}.expense-form{padding:40px;background:white}.form-intro{display:flex;align-items:flex-start;justify-content:space-between;gap:15px}.step{display:inline-block;text-transform:uppercase;letter-spacing:.12em;color:var(--coral);font-weight:700;font-size:.7rem}.form-intro h3,.results h3{font-family:"Fraunces";font-size:1.65rem;margin:6px 0 0}.text-button,.reset-button{border:0;background:none;color:var(--green);font:700 .8rem "DM Sans";text-decoration:underline;cursor:pointer}.sample-note{font-size:.75rem;color:var(--muted);margin:8px 0 25px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field label{display:flex;align-items:center;gap:8px;font-size:.8rem;font-weight:700;margin-bottom:7px}.field-icon{display:inline-grid;place-items:center;width:24px;height:24px;border-radius:7px;background:var(--sage)}.money-input{display:flex;align-items:center;border:1px solid var(--line);border-radius:12px;padding:0 13px;background:#fdfdfb}.money-input:focus-within{outline:3px solid rgba(49,92,76,.14);border-color:var(--green)}.money-input span{font-weight:700;color:var(--muted)}.money-input input{width:100%;border:0;outline:0;background:transparent;padding:12px 4px;font:600 1rem "DM Sans";color:var(--ink)}.reset-button{margin-top:24px;color:#77827d}.results{padding:40px;background:var(--green);color:white}.step.light{color:#f6c3a4}.totals{display:grid;grid-template-columns:1fr 1fr;margin:26px 0 32px;border-top:1px solid rgba(255,255,255,.2);border-bottom:1px solid rgba(255,255,255,.2)}.totals div{padding:20px 0}.totals div+div{padding-left:22px;border-left:1px solid rgba(255,255,255,.2)}.totals span,.donut-center span{display:block;color:#cbdad3;font-size:.76rem}.totals strong{font-family:"Fraunces";font-size:2rem}.chart-wrap{display:grid;grid-template-columns:160px 1fr;align-items:center;gap:28px}.donut{width:158px;height:158px;border-radius:50%;display:grid;place-items:center;background:#799081;transition:background .35s}.donut-center{width:90px;height:90px;border-radius:50%;background:var(--green);display:grid;place-content:center;text-align:center}.donut-center strong{font-family:"Fraunces";font-size:1.15rem}.legend{list-style:none;padding:0;margin:0;display:grid;gap:8px}.legend li{display:grid;grid-template-columns:10px 1fr auto;align-items:center;gap:8px;font-size:.75rem}.legend i{width:9px;height:9px;border-radius:50%}.legend b{font-weight:500}.legend span{font-weight:700}.empty-message{font-size:.8rem;color:#cbdad3;margin:24px 0 0}.disclaimer{display:flex;gap:11px;max-width:900px;margin:30px auto 0;padding:16px 19px;background:#f7f1e2;border-radius:14px;color:#657269;font-size:.78rem}.disclaimer p{margin:0}.disclaimer span{color:var(--coral)}.how-section{max-width:1120px;margin:auto;padding:110px 32px;display:grid;grid-template-columns:.9fr 1.1fr;gap:95px;align-items:center}.how-copy p{color:var(--muted);max-width:470px}.steps-list{list-style:none;padding:0;margin:0}.steps-list li{display:grid;grid-template-columns:56px 1fr;gap:24px;padding:25px 0;border-bottom:1px solid #d7d9cf}.steps-list li>span{font-family:"Fraunces";font-size:1.35rem;color:var(--coral)}.steps-list strong{font-size:1.05rem}.steps-list p{margin:4px 0 0;color:var(--muted);font-size:.9rem}.closing-card{max-width:1120px;margin:0 auto 95px;padding:52px 56px;border-radius:25px;background:var(--sage);display:flex;justify-content:space-between;align-items:center;gap:40px}.closing-card h2{font-size:clamp(2.2rem,4vw,3.5rem);max-width:680px}.button-dark{background:var(--ink);white-space:nowrap}footer{border-top:1px solid #d9dbd2;max-width:1200px;margin:auto;padding:32px;display:flex;align-items:center;justify-content:space-between;color:var(--muted);font-size:.8rem}footer p{margin:0}
@media(max-width:850px){.site-header nav{display:none}.hero{grid-template-columns:1fr;padding-top:45px}.hero-visual{min-height:410px}.calculator-shell{grid-template-columns:1fr}.how-section{grid-template-columns:1fr;gap:35px}.closing-card{margin-left:22px;margin-right:22px;flex-direction:column;align-items:flex-start}footer{flex-direction:column;gap:15px}.sun-shape{right:10%}}
@media(max-width:560px){.site-header{height:68px;padding:0 20px}.site-header>.button{display:none}.hero{padding:48px 22px 60px;gap:30px}h1{font-size:3.6rem}.hero-actions{align-items:flex-start;flex-direction:column}.hero-visual{min-height:330px}.sun-shape{width:300px;height:300px;right:0}.cat-card{transform:scale(.76);transform-origin:top right;right:7%}.plant{font-size:43px}.calculator-section{padding:72px 18px}.expense-form,.results{padding:28px 22px}.form-intro{display:block}.text-button{margin-top:12px}.fields{grid-template-columns:1fr}.chart-wrap{grid-template-columns:1fr}.donut{margin:auto}.legend{margin-top:5px}.how-section{padding:78px 22px}.closing-card{padding:38px 27px;margin-bottom:65px}.closing-card .button{width:100%}.totals strong{font-size:1.55rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button:hover{transform:none}}

/* Ownership planner extension */
body,.button,.text-button,.reset-button,.money-input input{font-family:"DM Sans","Segoe UI",Arial,sans-serif}h1,h2,.form-intro h3,.results h3,.totals strong,.donut-center strong,.steps-list li>span,.first-year-card h3{font-family:"Fraunces",Georgia,serif}
.planner-section{padding:95px 32px;background:var(--sage)}
.planner-card{max-width:1000px;margin:auto;padding:46px;background:var(--paper);border-radius:28px;box-shadow:var(--shadow)}
.planner-card fieldset{border:0;padding:0;margin:0 0 32px}.planner-card legend{width:100%;margin-bottom:13px;font-family:"Fraunces",Georgia,serif;font-size:1.22rem;font-weight:700}.planner-card legend span{display:inline-grid;place-items:center;width:30px;height:30px;margin-right:9px;border-radius:50%;background:var(--peach);font:700 .7rem "DM Sans","Segoe UI",sans-serif}
.choice-grid{display:grid;gap:12px}.choice-grid-3{grid-template-columns:repeat(3,1fr)}.choice{position:relative;cursor:pointer}.choice input{position:absolute;opacity:0;pointer-events:none}.choice>span{display:flex;flex-direction:column;padding:17px 18px;border:1px solid var(--line);border-radius:14px;background:white;transition:.2s}.choice small,.toggle small{color:var(--muted);margin-top:2px}.choice input:checked+span{border-color:var(--green);background:#edf3e9;box-shadow:inset 0 0 0 1px var(--green)}.choice input:focus-visible+span{outline:3px solid rgba(49,92,76,.25)}
.toggle-row{display:grid;grid-template-columns:1fr 1fr;gap:13px}.toggle{display:grid;grid-template-columns:46px 1fr;align-items:center;gap:12px;padding:17px;border:1px solid var(--line);border-radius:14px;cursor:pointer}.toggle input{position:absolute;opacity:0}.toggle>span{position:relative;width:44px;height:25px;border-radius:99px;background:#bac2bd;transition:.2s}.toggle>span:after{content:"";position:absolute;left:3px;top:3px;width:19px;height:19px;border-radius:50%;background:white;transition:.2s}.toggle input:checked+span{background:var(--green)}.toggle input:checked+span:after{transform:translateX(19px)}.toggle div{display:flex;flex-direction:column}.toggle input:focus-visible+span{outline:3px solid rgba(49,92,76,.25)}
.assumption-note{display:flex;gap:12px;padding:16px 18px;margin:4px 0 25px;border-radius:14px;background:#f7f1e2;color:#5f6e66;font-size:.8rem}.assumption-note span{color:var(--coral)}.assumption-note p{margin:0}.planner-button{margin-left:auto}
.totals-four{grid-template-columns:1fr 1fr;flex-wrap:wrap}.totals-four div:nth-child(3),.totals-four div:nth-child(4){border-top:1px solid rgba(255,255,255,.2)}.totals-four div:nth-child(3){padding-left:0}.totals-four div:nth-child(4){padding-left:22px;border-left:1px solid rgba(255,255,255,.2)}.totals-four strong{font-size:1.55rem}
.first-year-card{max-width:1120px;margin:32px auto 0;padding:38px 40px;border:1px solid #e5e6de;border-radius:24px;background:white;box-shadow:0 14px 38px rgba(39,65,53,.07)}.breakdown-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:20px;border-bottom:1px solid var(--line);padding-bottom:25px}.first-year-card h3{font-size:1.7rem;margin:5px 0}.breakdown-heading p{margin:0;color:var(--muted);font-size:.85rem}.plan-pill{white-space:nowrap;border-radius:99px;background:var(--sage);padding:8px 13px;font-size:.75rem;font-weight:700}.breakdown-grid{display:grid;grid-template-columns:1fr 1fr;gap:45px;padding:28px 0}.breakdown-grid h4{margin:0 0 15px;font-size:.85rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}.annual-rows{display:grid;gap:11px}.annual-rows>div{display:flex;justify-content:space-between;gap:20px;padding-bottom:9px;border-bottom:1px solid #eee}.annual-rows span{display:flex;align-items:center;gap:9px;font-size:.84rem}.annual-rows i{width:9px;height:9px;border-radius:50%}.annual-rows strong{font-size:.86rem}.setup-fields{display:grid;grid-template-columns:1fr 1fr;gap:13px}.setup-field label{font-size:.72rem}.setup-field .money-input input{padding:9px 4px}.is-excluded{opacity:.5}.first-year-footer{display:flex;justify-content:space-between;align-items:center;gap:25px;padding-top:25px;border-top:1px solid var(--line)}.first-year-footer>div:first-child{display:flex;flex-direction:column}.first-year-footer>div:first-child span{color:var(--muted);font-size:.75rem}.first-year-footer>div:first-child strong{font-family:"Fraunces",Georgia,serif;font-size:2.1rem}.result-actions{display:flex;gap:10px}.button-outline{color:var(--green);background:white;border:1px solid var(--green);box-shadow:none}.copy-status{min-height:1.2em;margin:10px 0 0;text-align:right;color:var(--green);font-size:.76rem;font-weight:700}
@media(max-width:850px){.planner-section{padding:78px 22px}.planner-card{padding:32px}.breakdown-grid{grid-template-columns:1fr}.first-year-footer{align-items:flex-start;flex-direction:column}.result-actions{width:100%}.result-actions .button{flex:1}}
@media(max-width:560px){.planner-section{padding:65px 16px}.planner-card{padding:25px 18px}.choice-grid-3,.toggle-row{grid-template-columns:1fr}.choice>span{padding:13px 15px}.toggle{padding:14px}.first-year-card{padding:28px 20px}.breakdown-heading{flex-direction:column}.setup-fields{grid-template-columns:1fr}.result-actions{flex-direction:column}.result-actions .button{width:100%}.totals-four strong{font-size:1.3rem}}
@media(max-width:560px){.budget-bubble{right:-28px}}

/* Transparent source notes */
.sources-panel{max-width:1120px;margin:30px auto 0;border:1px solid #dedfd7;border-radius:20px;background:#fbf8ef;overflow:hidden;box-shadow:0 10px 28px rgba(39,65,53,.06)}
.sources-panel summary{display:grid;grid-template-columns:36px 1fr auto;align-items:center;gap:14px;padding:19px 22px;cursor:pointer;list-style:none}.sources-panel summary::-webkit-details-marker{display:none}.sources-panel summary:focus-visible{outline:3px solid rgba(49,92,76,.22);outline-offset:-3px}.sources-summary-icon{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--sage);color:var(--green);font-family:"Fraunces",Georgia,serif;font-weight:700}.sources-panel summary strong{display:block;font-family:"Fraunces",Georgia,serif;font-size:1.08rem}.sources-panel summary small{display:block;margin-top:2px;color:var(--muted);font-size:.7rem}.sources-chevron{color:var(--green);font-size:1.25rem;transition:transform .2s}.sources-panel[open] .sources-chevron{transform:rotate(180deg)}
.sources-content{padding:0 22px 24px;border-top:1px solid #e4e2d8}.sources-intro{display:grid;grid-template-columns:1fr 1fr;gap:24px;padding:22px 0}.sources-intro p{margin:0;color:#596860;font-size:.82rem}.insurance-basis{padding-left:18px;border-left:3px solid var(--peach)}
.source-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.source-card{display:flex;flex-direction:column;min-width:0;padding:18px;border:1px solid #e0e1d9;border-radius:14px;background:white}.source-card-featured{border-color:#adc2b4;background:#f4f8f1}.source-card-top{display:flex;justify-content:space-between;gap:10px;margin-bottom:11px;color:var(--coral);font-size:.62rem;text-transform:uppercase;letter-spacing:.08em}.source-card-top strong{color:var(--muted);text-align:right}.source-card h3{margin:0 0 9px;font-family:"Fraunces",Georgia,serif;font-size:1rem;line-height:1.2}.source-card p{margin:0 0 10px;color:#526159;font-size:.73rem}.source-card .source-limit{color:#68766f}.source-card a{margin-top:auto;color:var(--green);font-size:.72rem;font-weight:700;text-underline-offset:3px}.first-year-context{display:flex;gap:10px;margin-top:16px;padding:14px 16px;border-radius:12px;background:#f1ead9;color:#5b685f;font-size:.75rem}.first-year-context span{color:var(--coral)}.first-year-context p{margin:0}
@media(max-width:850px){.source-cards{grid-template-columns:1fr}.sources-intro{grid-template-columns:1fr}.insurance-basis{padding:0 0 0 16px}.sources-panel{margin-left:auto;margin-right:auto}}
@media(max-width:560px){.sources-panel summary{grid-template-columns:32px 1fr auto;padding:16px 14px;gap:10px}.sources-summary-icon{width:30px;height:30px}.sources-panel summary strong{font-size:.95rem}.sources-panel summary small{font-size:.63rem}.sources-content{padding:0 14px 16px}.sources-intro{gap:14px;padding:18px 0}.source-card{padding:16px}.source-card-top{align-items:flex-start;flex-direction:column;gap:3px}.source-card-top strong{text-align:left}}

/* Footer */
.site-footer{max-width:none;margin:0;padding:0 32px;background:var(--ink);color:#dce5e0;border-top:0;display:block;font-size:.86rem}
.footer-inner{max-width:1120px;margin:auto;padding:62px 0 48px;display:grid;grid-template-columns:1.5fr .7fr 1fr;gap:72px}
.footer-brand .brand{width:max-content;color:white;font-size:1.16rem}.footer-brand .brand-mark{color:var(--ink)}.footer-brand p{max-width:250px;margin:20px 0 0;color:#b9c8c1;font-family:"Fraunces",Georgia,serif;font-size:1.35rem;line-height:1.25}
.footer-column{display:flex;flex-direction:column;align-items:flex-start;gap:11px}.footer-column h2{margin:3px 0 10px;color:#f3c2a4;font-family:"DM Sans","Segoe UI",Arial,sans-serif;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase}.footer-column a,.footer-bottom a{color:#f6f4ed;text-decoration:none;font-weight:600}.footer-column a:hover,.footer-bottom a:hover{text-decoration:underline;text-underline-offset:4px}
.social-links{display:flex;flex-wrap:wrap;gap:10px}.social-links a{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(255,255,255,.22);border-radius:999px;padding:8px 11px}.social-links svg{width:17px;height:17px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.social-empty{max-width:250px;margin:0;color:#9fb1a8;line-height:1.5}
.footer-bottom{max-width:1120px;margin:auto;padding:20px 0 25px;border-top:1px solid rgba(255,255,255,.14);display:flex;align-items:center;justify-content:space-between;color:#9fb1a8}.footer-bottom p{margin:0}.footer-bottom a{font-size:.78rem}
@media(max-width:850px){.site-footer{padding:0 24px}.footer-inner{grid-template-columns:1.2fr .8fr;gap:48px}.footer-social{grid-column:1/-1}.social-empty{max-width:none}}
@media(max-width:560px){.site-footer{padding:0 22px;text-align:left}.footer-inner{padding:48px 0 34px;grid-template-columns:1fr;gap:34px}.footer-social{grid-column:auto}.footer-column{align-items:flex-start}.footer-bottom{align-items:flex-start;gap:14px;flex-direction:column-reverse}.footer-brand p{font-size:1.2rem}}
@media print{.site-header,.hero,.planner-section,.how-section,.closing-card,footer,.text-button,.reset-button,.disclaimer,.chart-wrap,.result-actions,.copy-status{display:none!important}.calculator-section{padding:20px;background:white}.section-heading{margin-bottom:20px}.calculator-shell{box-shadow:none;border:1px solid #ccc}.expense-form,.results{padding:20px}.results{-webkit-print-color-adjust:exact;print-color-adjust:exact}.first-year-card{box-shadow:none;margin-top:20px;break-inside:avoid}.first-year-footer{display:flex!important}.plan-pill{border:1px solid #999}.breakdown-grid{padding:18px 0}}