:root {
  --forest: #072c1e;
  --emerald: #059669;
  --emerald-dark: #047857;
  --canvas: #f4f7f5;
  --mist: #eef3f0;
  --ink: #0f172a;
  --muted: #496158;
  --line: #dce7e1;
  --white: #ffffff;
  --radius-md: 14px;
  --radius-lg: 22px;
  --shadow: 0 18px 50px rgba(7, 44, 30, .08);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; line-height: 1.5; }
a { color: inherit; text-decoration: none; }
button, input { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
:focus-visible { outline: 3px solid var(--emerald); outline-offset: 3px; }
.container { width: min(1200px, calc(100% - 48px)); margin-inline: auto; min-width: 0; }
.skip-link { position: fixed; z-index: 20; left: 16px; top: -100px; padding: 12px 16px; background: var(--forest); color: var(--white); border-radius: 8px; }
.skip-link:focus { top: 16px; }

.site-header { position: sticky; z-index: 10; top: 0; background: rgba(255,255,255,.94); backdrop-filter: blur(16px); border-bottom: 1px solid rgba(220,231,225,.75); }
.nav-wrap { min-height: 76px; display: flex; align-items: center; gap: 40px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--forest); font-size: 20px; font-weight: 800; letter-spacing: -.04em; }
.brand-mark { display: grid; place-items: center; width: 34px; height: 34px; color: var(--white); background: var(--forest); border-radius: 10px; font-size: 22px; font-weight: 500; }
.site-header nav { display: flex; align-items: center; gap: 20px; margin-left: auto; color: var(--muted); font-size: 14px; font-weight: 650; }
.site-header nav a, .nav-cta, .menu-toggle { min-height: 44px; display: inline-flex; align-items: center; }
.menu-toggle { display: none; border: 1px solid var(--line); padding: 8px 12px; color: var(--forest); background: var(--white); border-radius: 9px; cursor: pointer; font-size: 13px; font-weight: 750; }
.site-header nav a:hover, .text-link:hover, .footer-wrap a:hover { color: var(--emerald-dark); }
.nav-cta { gap: 9px; padding: 11px 16px; color: var(--white); background: var(--emerald-dark); border-radius: 9px; font-size: 14px; font-weight: 750; }
.nav-cta:hover { background: var(--emerald-dark); }

.hero { min-height: 548px; display: grid; grid-template-columns: minmax(0, 1.5fr) minmax(250px, .5fr); align-items: center; gap: 70px; padding-top: 82px; padding-bottom: 76px; }
.hero-copy { max-width: 760px; min-width: 0; }
.eyebrow { margin: 0 0 18px; color: var(--emerald-dark); font-size: 12px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; }
.hero h1 { max-width: 760px; margin: 0; color: var(--forest); font-size: clamp(42px, 6vw, 76px); line-height: .99; letter-spacing: -.075em; overflow-wrap: anywhere; }
h1 em, h2 em { color: var(--emerald); font-style: normal; }
.hero-lead { max-width: 610px; margin: 26px 0 0; color: var(--muted); font-size: clamp(17px, 2vw, 21px); line-height: 1.55; }
.hero-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 22px; margin-top: 34px; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 12px; min-height: 48px; padding: 13px 18px; border: 0; border-radius: 10px; cursor: pointer; font-weight: 750; transition: transform .18s ease, background .18s ease; }
.button:hover { transform: translateY(-2px); }
.button-primary { color: var(--white); background: var(--forest); }
.button-primary:hover, .button-dark:hover { background: var(--emerald-dark); }
.button-dark { width: 100%; color: var(--white); background: var(--forest); }
.text-link { color: var(--forest); font-size: 14px; font-weight: 750; }
.trust-row { display: flex; flex-wrap: wrap; gap: 20px; margin-top: 34px; color: var(--muted); font-size: 12px; font-weight: 650; }
.trust-row b { margin-right: 5px; color: var(--emerald); }
.hero-note { align-self: center; padding: 30px 0 30px 32px; border-left: 1px solid var(--emerald); color: var(--forest); }
.note-number { display: block; margin-bottom: 20px; color: var(--emerald); font-size: 12px; font-weight: 800; letter-spacing: .15em; }
.hero-note p { max-width: 230px; margin: 0; font-size: 24px; font-weight: 700; line-height: 1.2; letter-spacing: -.04em; }
.note-line { display: block; width: 44px; height: 1px; margin-top: 32px; background: var(--emerald); }

.calculator-section { padding-top: 70px; padding-bottom: 100px; }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 40px; margin-bottom: 28px; }
.section-heading h2, .principles h2 { margin: 0; color: var(--forest); font-size: clamp(30px, 4vw, 48px); line-height: 1.02; letter-spacing: -.065em; }
.section-heading > p { max-width: 360px; margin: 0 0 4px; color: var(--muted); font-size: 15px; }
.calculator-shell { display: grid; grid-template-columns: minmax(290px, 385px) minmax(0, 1fr); overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.controls { padding: 34px; background: var(--canvas); }
.calculator-heading { display: flex; gap: 13px; align-items: flex-start; margin-bottom: 40px; }
.tool-icon { display: grid; flex: 0 0 auto; place-items: center; width: 36px; height: 36px; color: var(--white); background: var(--emerald); border-radius: 10px; font-size: 20px; }
.calculator-heading h3, .chart-header h3 { margin: 0; color: var(--forest); font-size: 19px; letter-spacing: -.035em; }
.calculator-heading p { margin: 3px 0 0; color: var(--muted); font-size: 12px; }
.field { margin-bottom: 28px; }
.field-label { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; margin-bottom: 12px; }
.field label { color: var(--forest); font-size: 14px; font-weight: 700; }
.field output { color: var(--emerald-dark); font-size: 17px; font-weight: 800; }
input[type="range"] { width: 100%; height: 44px; padding: 0; appearance: none; background: linear-gradient(to right, var(--emerald) 50%, #cbd8d1 50%) center / 100% 8px no-repeat; border-radius: 10px; cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { width: 20px; height: 20px; appearance: none; border: 4px solid var(--emerald); border-radius: 50%; background: var(--white); }
input[type="range"]::-moz-range-thumb { width: 13px; height: 13px; border: 4px solid var(--emerald); border-radius: 50%; background: var(--white); }
.range-meta { display: flex; justify-content: space-between; margin-top: 8px; color: #53675e; font-size: 11px; }
.direct-value { display: flex; align-items: center; gap: 10px; margin-top: 10px; color: var(--muted); font-size: 11px; }
.direct-value label { flex: 1 1 auto; color: var(--muted); font-size: 11px; font-weight: 650; }
.direct-value input { width: 112px; min-height: 34px; padding: 6px 9px; border: 1px solid var(--line); border-radius: 8px; color: var(--forest); background: var(--white); font-size: 13px; font-weight: 700; text-align: right; }
.direct-value input:focus { border-color: var(--emerald); outline: 2px solid rgba(5, 150, 105, .18); }
.direct-value input[aria-invalid="true"] { border-color: #d59a2a; background: #fff9e9; }
.direct-unit { margin-left: -6px; color: var(--muted); font-weight: 750; }
.withdrawal-section { padding-top: 0; }
.withdrawal-section .direct-value-primary { margin-top: 0; }
.withdrawal-section .direct-value-primary input { flex: 1 1 auto; width: auto; min-height: 44px; padding: 9px 12px; font-size: 18px; text-align: left; }
.withdrawal-section .direct-value-primary .direct-unit { margin-left: 0; font-size: 16px; }
.finance-flow-section { padding-top: 0; }
.finance-flow-section .direct-value-primary { margin-top: 0; }
.finance-flow-section .direct-value-primary input { flex: 1 1 auto; width: auto; min-height: 44px; padding: 9px 12px; font-size: 18px; text-align: left; }
.finance-flow-section .direct-value-primary .direct-unit { margin-left: 0; font-size: 16px; }
.range-hint { margin: -12px 0 24px; padding: 10px 12px; border: 1px solid #f2cf8a; border-radius: 9px; color: #765516; background: #fff9e9; font-size: 11px; line-height: 1.45; }
.assumption { display: flex; gap: 8px; margin: 28px 0; color: var(--muted); font-size: 11px; line-height: 1.45; }
.assumption span:first-child { flex: 0 0 auto; color: var(--emerald); font-size: 15px; }
.results { min-width: 0; padding: 34px; background: var(--white); }
.kpi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.budget-kpi-grid { grid-template-columns: repeat(4, 1fr); }
.kpi { min-height: 90px; padding: 17px; border: 1px solid var(--line); border-radius: 12px; }
.kpi span { display: block; margin-bottom: 10px; color: var(--muted); font-size: 10px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.kpi strong { display: block; color: var(--forest); font-size: clamp(21px, 3vw, 28px); line-height: 1; letter-spacing: -.06em; white-space: nowrap; }
.budget-kpi-grid .kpi:last-child strong { font-size: clamp(18px, 2.3vw, 23px); line-height: 1.1; white-space: normal; }
.kpi-accent { border-color: #7ad6b4; background: #f2fbf7; }
.kpi-accent span, .kpi-accent strong { color: var(--emerald-dark); }
.kpi-negative { border-color: #e7a3a3; background: #fff4f4; }
.kpi-negative span, .kpi-negative strong { color: #a23e3e; }
.kpi-cost { border-color: #f2cf8a; background: #fff9e9; }.kpi-cost span, .kpi-cost strong { color: #765516; }
.budget-warning { display: flex; gap: 12px; align-items: flex-start; margin-top: 22px; padding: 13px 15px; border: 1px solid #e7a3a3; border-radius: 10px; color: #8f3434; background: #fff4f4; }
.budget-warning[hidden] { display: none; }
.budget-warning > span { display: grid; flex: 0 0 auto; place-items: center; width: 20px; height: 20px; border-radius: 50%; color: var(--white); background: #b84f4f; font-size: 12px; font-weight: 850; }
.budget-warning p { margin: 0; font-size: 13px; font-weight: 700; }
.chart-header { display: flex; align-items: end; justify-content: space-between; gap: 20px; margin-top: 40px; }
.chart-header p { margin: 5px 0 0; color: var(--muted); font-size: 12px; }
.legend { display: flex; align-items: center; gap: 7px; color: var(--muted); font-size: 11px; }
.legend i { width: 8px; height: 8px; border-radius: 50%; background: var(--emerald); }
.legend-group { display: flex; flex-wrap: wrap; gap: 14px; }.legend-muted i { background: #61776d; }.gross-line { stroke: #61776d; stroke-width: 2.5; stroke-dasharray: 6 6; }
.chart-wrap { min-height: 280px; margin-top: 16px; }
#growth-chart, #etf-chart, #withdrawal-chart { display: block; width: 100%; height: auto; overflow: visible; }
.finance-flow-chart-wrap { overflow-x: auto; }
#finance-flow-chart { display: block; width: 100%; height: auto; overflow: visible; }
#finance-flow-chart .flow-link { fill: none; stroke-linecap: round; opacity: .72; }
#finance-flow-chart .flow-link-negative { opacity: .45; stroke-dasharray: 5 5; }
#finance-flow-chart .flow-source rect { fill: var(--forest); }
#finance-flow-chart .flow-source text, #finance-flow-chart .flow-node text { font-family: inherit; }
#finance-flow-chart .flow-node rect { fill: var(--white); stroke: var(--line); stroke-width: 1.5; }
#finance-flow-chart .flow-node-savings rect { fill: #f2fbf7; stroke: #8ad7b8; }
#finance-flow-chart .flow-node-available rect { fill: #f5faf7; stroke: #b5ddca; }
#finance-flow-chart .flow-node-negative rect { fill: #fff4f4; stroke: #e7a3a3; }
#finance-flow-chart .flow-node-label { fill: var(--forest); font-size: 12px; font-weight: 700; }
#finance-flow-chart .flow-node-value { fill: var(--muted); font-size: 13px; font-weight: 800; }
#finance-flow-chart .flow-source .flow-node-label, #finance-flow-chart .flow-source .flow-node-value { fill: var(--white); }
.chart-line { fill: none; stroke-linecap: round; stroke-linejoin: round; }
.growth-line { stroke: var(--emerald); stroke-width: 4; }
.contribution-line { stroke: #61776d; stroke-width: 2.5; stroke-dasharray: 6 6; }
.chart-foot { display: flex; gap: 20px; color: var(--muted); font-size: 11px; }
.dot { display: inline-block; width: 7px; height: 7px; margin-right: 5px; border-radius: 50%; }
.dot-green { background: var(--emerald-dark); }.dot-gray { background: #61776d; }

.etf-section { padding-top: 0; }.tools-section { padding: 44px 0 58px; border-top: 1px solid var(--line); }
.section-heading.compact { margin-bottom: 24px; }.tool-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.tool-card { min-height: 220px; display: flex; flex-direction: column; padding: 24px; border: 1px solid var(--line); border-radius: var(--radius-md); background: var(--white); }
.tool-card-featured { border-color: #8ad7b8; background: linear-gradient(145deg, #f2fbf7, #fff); }
.card-kicker { color: var(--emerald-dark); font-size: 10px; font-weight: 850; letter-spacing: .11em; text-transform: uppercase; }.tool-card h3 { margin: 22px 0 8px; color: var(--forest); font-size: 22px; letter-spacing: -.05em; }.tool-card p { margin: 0; color: var(--muted); font-size: 14px; }.card-link, .card-status { margin-top: auto; padding-top: 26px; color: var(--forest); font-size: 13px; font-weight: 800; }.card-link { min-height: 44px; display: inline-flex; align-items: center; }.card-link:hover { color: var(--emerald-dark); }.card-status { color: #53675e; font-weight: 650; }

.principles { display: grid; grid-template-columns: .8fr 1.2fr; gap: 80px; padding: 98px 0; }.principles-intro h2 { margin-top: 12px; }.principles-list { display: grid; gap: 0; }.principles-list article { display: grid; grid-template-columns: 44px 1fr; gap: 18px; padding: 22px 0; border-top: 1px solid var(--line); }.principles-list article:last-child { border-bottom: 1px solid var(--line); }.principles-list article > span { color: var(--emerald); font-size: 12px; font-weight: 800; }.principles-list h3 { margin: 0 0 6px; color: var(--forest); font-size: 18px; letter-spacing: -.035em; }.principles-list p { max-width: 500px; margin: 0; color: var(--muted); font-size: 14px; }
.method-note { max-width: 390px; margin: 24px 0 0; color: var(--muted); font-size: 13px; }

.site-footer { padding: 52px 0 20px; color: #c7d8d0; background: var(--forest); }.footer-wrap { display: flex; justify-content: space-between; gap: 40px; }.footer-brand { color: var(--white); }.footer-wrap p { margin: 15px 0 0; font-size: 13px; }.footer-wrap nav { display: flex; flex-wrap: wrap; align-items: start; justify-content: end; gap: 8px 20px; color: #d8e6e0; font-size: 13px; }.footer-wrap nav a { min-height: 44px; display: inline-flex; align-items: center; }.footer-wrap small { color: #a8bbb2; }.legal-note { margin-top: 50px; padding-top: 16px; border-top: 1px solid rgba(255,255,255,.16); color: #a8bbb2; font-size: 11px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }
section[id] { scroll-margin-top: 84px; }
.legal-page { max-width: 820px; padding-top: 64px; padding-bottom: 80px; }.legal-page h1 { margin: 24px 0 0; color: var(--forest); font-size: clamp(38px, 7vw, 64px); line-height: 1; letter-spacing: -.07em; }.legal-card { margin-top: 34px; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius-md); background: var(--canvas); }.legal-card h2 { margin: 0 0 12px; color: var(--forest); font-size: 22px; }.legal-card h2:not(:first-child) { margin-top: 30px; }.legal-card p, .legal-card li { color: var(--muted); font-size: 15px; }.legal-card li + li { margin-top: 8px; }

@media (max-width: 900px) {
  .hero { grid-template-columns: 1fr; gap: 35px; padding-top: 62px; }.hero-note { max-width: 500px; padding-block: 0; }.calculator-shell { grid-template-columns: 1fr; }.controls { border-bottom: 1px solid var(--line); }.principles { grid-template-columns: 1fr; gap: 40px; }.tool-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .container { width: min(100% - 32px, 1200px); }.nav-wrap { gap: 12px; min-height: 68px; }.site-header nav { display: none; position: absolute; top: 68px; left: 16px; right: 16px; flex-direction: column; align-items: stretch; gap: 0; padding: 8px; margin: 0; background: var(--white); border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow); }.site-header nav.is-open { display: flex; }.site-header nav a { padding: 8px 12px; }.menu-toggle { display: inline-flex; margin-left: auto; }.nav-cta { padding: 10px 12px; }.hero { min-height: auto; padding-top: 54px; padding-bottom: 60px; }.hero h1 { font-size: clamp(42px, 13vw, 62px); }.hero-actions { align-items: stretch; flex-direction: column; gap: 17px; }.button-primary { width: 100%; }.hero-note { display: none; }.section-heading { align-items: start; flex-direction: column; gap: 14px; }.calculator-section { padding-top: 58px; padding-bottom: 70px; }.controls, .results { padding: 24px 18px; }.kpi-grid { grid-template-columns: 1fr; }.kpi { min-height: 76px; }.kpi strong { font-size: 27px; }.chart-header { align-items: start; flex-direction: column; gap: 10px; }.chart-wrap { min-height: 220px; }.finance-flow-chart-wrap { margin-inline: -4px; }.finance-flow-chart-wrap #finance-flow-chart { min-width: 640px; }.tools-section { padding: 46px 0 52px; }.tool-grid { grid-template-columns: 1fr; }.tool-card:last-child { grid-column: auto; }.principles { padding: 70px 0; }.footer-wrap { flex-direction: column; }.footer-wrap nav { justify-content: start; }.trust-row { gap: 10px 16px; }
}
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; } }