/* PAGE HEADER */
.page-header{padding:180px 40px 60px;max-width:1240px;margin:0 auto}
.section-eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:12px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--blue);margin-bottom:18px}
.section-eyebrow::before{content:'';width:28px;height:1px;background:var(--gold)}
h1.page-title{font-size:clamp(32px,4.5vw,52px);color:var(--navy);margin-bottom:18px;line-height:1.1}
h1.page-title em{color:var(--gold);font-style:normal}
.page-sub{font-size:16px;color:var(--muted);max-width:600px;line-height:1.75}
.updated-badge{display:inline-flex;align-items:center;gap:8px;margin-top:22px;font-size:12px;color:var(--muted);background:#fff;border:1px solid rgba(58,36,21,.12);padding:8px 14px;border-radius:100px}
.updated-badge b{color:var(--navy);font-weight:700}
.updated-badge span.dot{width:6px;height:6px;border-radius:50%;background:#3E9B5C}
/* CALCULATOR LAYOUT */
.calc-section{padding:0 40px 120px}
.calc-shell{max-width:1240px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.calc-panel{background:#fff;border-radius:8px;padding:36px;box-shadow:0 8px 30px rgba(13,43,69,.08)}
.calc-panel h2{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--navy);margin-bottom:26px;padding-bottom:16px;border-bottom:1px solid rgba(58,36,21,.1)}
/* FIELD / SLIDER */
.field{margin-bottom:26px}
.field:last-child{margin-bottom:0}
.field-label{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px;gap:12px}
.field-label label{font-size:13px;font-weight:700;color:var(--navy)}
.field-value{font-family:'Bricolage';font-size:16px;font-weight:700;color:var(--gold);white-space:nowrap}
.field-hint{font-size:11.5px;color:var(--muted);margin-top:6px;line-height:1.5}

input[type="range"]{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:100px;background:linear-gradient(90deg,var(--gold) var(--fill,50%),rgba(58,36,21,.14) var(--fill,50%));outline:none}
input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:20px;height:20px;border-radius:50%;background:var(--navy);border:3px solid #fff;box-shadow:0 2px 8px rgba(13,43,69,.35);cursor:pointer;transition:transform .15s var(--ease)}
input[type="range"]::-webkit-slider-thumb:hover{transform:scale(1.12)}
input[type="range"]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--navy);border:3px solid #fff;box-shadow:0 2px 8px rgba(13,43,69,.35);cursor:pointer}
input[type="range"]::-moz-range-track{height:5px;border-radius:100px;background:rgba(58,36,21,.14)}
input[type="range"]::-moz-range-progress{height:5px;border-radius:100px;background:var(--gold)}
/* TOGGLE GROUP */
.toggle-group{display:flex;gap:8px;flex-wrap:wrap}
.toggle-group button{flex:1;min-width:110px;padding:11px 14px;font-size:12.5px;font-weight:700;letter-spacing:.01em;color:var(--muted);background:var(--off);border:1.5px solid transparent;border-radius:10px;text-align:center;transition:all .2s}
.toggle-group button.active{background:var(--navy);color:#fff}
.toggle-group button:disabled{opacity:.35;cursor:not-allowed}
.toggle-group.cols-3 button{min-width:0}
/* RESULT PANEL */
.result-panel{position:sticky;top:100px;background:var(--navy);color:#fff;border-radius:8px;padding:36px;box-shadow:0 20px 50px rgba(13,43,69,.25)}
.result-panel h2{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-light);margin-bottom:22px}
.result-row{display:flex;justify-content:space-between;align-items:baseline;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:13.5px;gap:16px}
.result-row span{color:rgba(255,255,255,.65)}
.result-row b{color:#fff;font-weight:700;text-align:right}
.result-row.total{border-bottom:none;padding-top:18px;margin-top:4px}
.result-row.total span{color:#fff;font-size:14px;font-weight:700}
.result-row.total b{font-family:'Bricolage';font-size:24px;color:var(--gold-light)}
.result-hero{background:rgba(241,136,44,.12);border:1px solid rgba(241,136,44,.35);border-radius:6px;padding:22px 24px;margin-bottom:22px}
.result-hero span{display:block;font-size:11.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-light);margin-bottom:6px}
.result-hero b{display:block;font-family:'Bricolage';font-size:34px;font-weight:700;color:#fff}
.result-hero small{display:block;font-size:12px;color:rgba(255,255,255,.55);margin-top:6px;line-height:1.5}
.formula-note{font-size:11.5px;color:rgba(255,255,255,.55);background:rgba(255,255,255,.06);border-radius:4px;padding:12px 14px;margin-top:18px;line-height:1.7}
.formula-note code{color:var(--gold-light);font-family:inherit}
.warning-box{background:rgba(220,90,60,.15);border:1px solid rgba(220,90,60,.4);border-radius:6px;padding:14px 16px;margin-top:18px;font-size:12.5px;color:#FFD8CE;line-height:1.6;display:none}
.warning-box.show{display:block}
/* SCENARIO COMPARISON */
.scenario-section{padding:0 40px 100px}
.scenario-inner{max-width:1240px;margin:0 auto}
.scenario-table{background:#fff;border-radius:8px;box-shadow:0 8px 30px rgba(13,43,69,.08);overflow:hidden}
.scenario-table table{width:100%;border-collapse:collapse}
.scenario-table th,.scenario-table td{padding:16px 20px;text-align:left;font-size:13.5px}
.scenario-table thead th{background:var(--off);color:var(--navy);font-size:11px;letter-spacing:.06em;text-transform:uppercase;font-weight:700}
.scenario-table tbody tr{border-top:1px solid rgba(58,36,21,.08)}
.scenario-table tbody tr.active-row{background:rgba(241,136,44,.06)}
.scenario-table td:first-child,.scenario-table th:first-child{font-weight:700;color:var(--navy)}
.scenario-table td.rate{color:var(--gold);font-weight:700}
.scenario-table td.pay{font-family:'Bricolage';font-weight:700;color:var(--navy)}
@media(max-width:900px){.scenario-table{overflow-x:auto}.scenario-table table{min-width:560px}}
/* DOCUMENT CHECKLIST */
.doclist-section{padding:0 40px 100px}
.doclist-card{max-width:1240px;margin:0 auto;background:#fff;border-radius:8px;box-shadow:0 8px 30px rgba(13,43,69,.08);padding:40px}
.doclist-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap}
.doclist-progress-wrap{min-width:220px}
.doclist-progress-label{font-size:12px;color:var(--muted);margin-bottom:8px;display:flex;justify-content:space-between;gap:10px}
.doclist-progress-bar{height:6px;border-radius:100px;background:rgba(58,36,21,.1);overflow:hidden}
.doclist-progress-fill{height:100%;background:var(--gold);width:0%;transition:width .3s var(--ease)}
.doclist-reset{font-size:11.5px;color:var(--muted);text-decoration:underline;text-underline-offset:2px;margin-top:10px;display:inline-block}
.doclist-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 48px;margin-top:32px}
.doclist-group h3{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);margin-bottom:12px;padding-top:22px;border-top:1px solid rgba(58,36,21,.08)}
.doclist-group:nth-child(-n+2) h3{padding-top:0;border-top:none}
.doclist-item{display:flex;align-items:flex-start;gap:12px;padding:9px 0;cursor:pointer}
.doclist-item input{appearance:none;-webkit-appearance:none;width:19px;height:19px;border:1.5px solid rgba(58,36,21,.3);border-radius:4px;flex-shrink:0;margin-top:2px;cursor:pointer;position:relative;transition:all .15s}
.doclist-item input:checked{background:var(--gold);border-color:var(--gold)}
.doclist-item input:checked::after{content:'';position:absolute;left:6px;top:2px;width:5px;height:9px;border:solid var(--navy);border-width:0 2px 2px 0;transform:rotate(45deg)}
.doclist-item span{font-size:14px;color:var(--navy);line-height:1.5}
.doclist-item.checked span{color:var(--muted);text-decoration:line-through}
@media(max-width:900px){.doclist-grid{grid-template-columns:1fr}.doclist-card{padding:28px 24px}.doclist-group:nth-child(2) h3{padding-top:22px;border-top:1px solid rgba(58,36,21,.08)}}
/* DISCLAIMER */
.disclaimer-section{padding:0 40px 100px}
.disclaimer-box{max-width:1240px;margin:0 auto;background:#fff;border:1px solid rgba(58,36,21,.12);border-radius:8px;padding:30px 34px;font-size:12.5px;color:var(--muted);line-height:1.8}
.disclaimer-box p{margin-bottom:10px}
.disclaimer-box p:last-child{margin-bottom:0}
.disclaimer-box b{color:var(--navy)}
.disclaimer-box .sources{margin-top:14px;padding-top:14px;border-top:1px solid rgba(58,36,21,.1);font-size:11.5px}
.disclaimer-box .sources a{color:var(--blue);text-decoration:underline;text-underline-offset:2px}
/* CTA */
.cta-band{background:var(--gold);text-align:center;padding:70px 40px}
.cta-band h2{color:var(--navy);font-size:clamp(24px,3vw,32px);margin-bottom:14px}
.cta-band p{color:rgba(13,43,69,.72);font-size:15px;max-width:480px;margin:0 auto 28px}
.btn-navy{background:var(--navy);color:#fff;font-size:13px;font-weight:700;letter-spacing:.03em;padding:16px 32px;border-radius:10px;text-transform:uppercase;display:inline-flex;transition:transform .15s var(--ease),background .2s}
.btn-navy:hover{background:var(--navy-2);transform:translateY(-2px)}

@media(max-width:900px){
  .calc-shell{grid-template-columns:1fr}
  .result-panel{position:static}
  .page-header{padding:140px 24px 40px}
  .calc-section,.scenario-section,.disclaimer-section{padding-left:24px;padding-right:24px}
  .calc-panel,.result-panel{padding:26px}
}