:root {
  color-scheme: light;
  --bg: #f4f1e8;
  --paper: #fffdf8;
  --paper-strong: #ffffff;
  --ink: #191917;
  --muted: #68635d;
  --line: #d8d0c2;
  --line-strong: #b9ac99;
  --green: #2f7d5b;
  --green-soft: #dceee5;
  --blue: #315f9f;
  --blue-soft: #dfe8f6;
  --amber: #a86719;
  --amber-soft: #f2e1c5;
  --red: #9b3c35;
  --red-soft: #f0d6d4;
  --violet: #684f9d;
  --violet-soft: #e7e0f3;
  --shadow: 0 18px 50px rgba(60, 47, 28, 0.10);
  --radius: 8px;
  --mono: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  --sans: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --header-height: 70px;
  --control-size: 44px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
  min-width: 0;
}

html {
  scroll-behavior: smooth;
  background: var(--bg);
  -webkit-text-size-adjust: 100%;
}

body {
  min-width: 320px;
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background:
    linear-gradient(180deg, rgba(49, 95, 159, 0.08), transparent 330px),
    var(--bg);
  letter-spacing: 0;
}

button,
input,
select {
  font: inherit;
}

button,
a {
  -webkit-tap-highlight-color: transparent;
}

button {
  cursor: pointer;
}

a {
  color: inherit;
}

.skip-link {
  position: fixed;
  left: 16px;
  top: 14px;
  z-index: 100;
  transform: translateY(-180%);
  background: var(--ink);
  color: var(--paper);
  padding: 8px 12px;
  border-radius: var(--radius);
  font-size: 13px;
  font-weight: 800;
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 20px;
  min-height: var(--header-height);
  padding: 14px max(22px, calc((100vw - 1180px) / 2)) 12px;
  background: rgba(244, 241, 232, 0.86);
  border-bottom: 1px solid rgba(216, 208, 194, 0.78);
  backdrop-filter: blur(18px);
}

.brand {
  display: inline-flex;
  align-items: baseline;
  gap: 10px;
  width: fit-content;
  color: var(--ink);
  text-decoration: none;
  font-weight: 900;
  line-height: 1;
}

.brand span {
  color: var(--muted);
  font-size: 12px;
  font-weight: 760;
}

.desktop-nav {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 8px;
}

.desktop-nav a,
.menu-link {
  text-decoration: none;
}

.desktop-nav a {
  padding: 8px 10px;
  border: 1px solid transparent;
  border-radius: var(--radius);
  color: rgba(25, 25, 23, 0.70);
  font-size: 13px;
  font-weight: 800;
}

.desktop-nav a:hover,
.desktop-nav a.is-active {
  color: var(--ink);
  background: rgba(255, 253, 248, 0.74);
  border-color: var(--line);
}

.menu-toggle,
.mobile-menu {
  display: none;
}

.page-shell {
  width: min(1180px, calc(100% - 44px));
  margin: 0 auto;
  padding: 30px 0 64px;
}

.homepage-shell {
  padding-top: 40px;
}

.panel,
.source-box,
.card,
.vendor-card,
.result-card,
.bank-card,
.resource-card,
.note-panel {
  border: 1px solid var(--line);
  background: rgba(255, 253, 248, 0.92);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.page-hero {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(280px, 0.85fr);
  gap: 22px;
  padding: 24px 0 18px;
  margin-bottom: 22px;
}

.hero-text {
  display: grid;
  align-content: start;
  gap: 16px;
}

.kicker {
  margin: 0;
  color: var(--blue);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1,
h2,
h3 {
  margin: 0;
  line-height: 1.05;
  letter-spacing: 0;
}

h1 {
  max-width: 780px;
  font-size: 48px;
}

h2 {
  font-size: 30px;
}

h3 {
  font-size: 18px;
}

p {
  margin: 0;
}

.hero-copy,
.section-head p,
.card p,
.vendor-card p,
.bank-card p,
.resource-card p,
.note-panel p,
.source-box li,
.fineprint,
.footer {
  color: var(--muted);
  font-size: 15px;
  line-height: 1.55;
}

.hero-copy {
  max-width: 720px;
  font-size: 18px;
}

.stack-map,
.recommendation-grid,
.resource-grid,
.source-grid,
.friction-grid,
.bank-grid,
.vendor-grid,
.bookkeeping-grid {
  display: grid;
  gap: 12px;
}

.stack-map {
  align-content: start;
}

.stack-step {
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 12px;
  align-items: start;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.58);
}

.stack-step strong {
  display: block;
  margin-bottom: 4px;
}

.step-mark,
.nav-num {
  display: grid;
  place-items: center;
  width: 32px;
  height: 32px;
  border: 1px solid var(--line-strong);
  border-radius: 999px;
  background: var(--paper-strong);
  color: var(--muted);
  font-family: var(--mono);
  font-size: 11px;
  font-weight: 800;
}

.resource-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 16px;
}

.resource-card,
.note-panel,
.card,
.bank-card,
.vendor-card,
.source-box,
.panel {
  padding: 18px;
}

.resource-card {
  display: grid;
  gap: 14px;
  align-content: space-between;
  min-height: 240px;
  text-decoration: none;
}

.resource-card:hover {
  transform: translateY(-2px);
  border-color: var(--line-strong);
}

.resource-card h2 {
  font-size: 24px;
}

.resource-card .link-label {
  color: var(--blue);
  font-size: 13px;
  font-weight: 900;
}

.default-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
  margin-top: 18px;
}

.rec-tile {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.62);
  padding: 14px;
}

.rec-label {
  margin-bottom: 6px;
  color: var(--muted);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0;
}

.rec-answer {
  margin-bottom: 4px;
  color: var(--ink);
  font-size: 20px;
  font-weight: 900;
  line-height: 1.1;
}

.rec-note {
  color: var(--muted);
  font-size: 13px;
  line-height: 1.45;
}

.section-panel {
  padding: 22px 0;
  margin-top: 18px;
}

.section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 18px;
  margin-bottom: 16px;
}

.section-head > div {
  display: grid;
  gap: 8px;
}

.section-head p {
  max-width: 780px;
}

.tool-grid {
  display: grid;
  grid-template-columns: minmax(250px, 340px) minmax(0, 1fr);
  gap: 14px;
}

.cost-grid {
  display: grid;
  grid-template-columns: minmax(250px, 340px) minmax(0, 1fr);
  gap: 14px;
}

.input-stack {
  display: grid;
  gap: 14px;
}

.field {
  display: grid;
  gap: 8px;
}

.field-label {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  color: #38332e;
  font-size: 13px;
  font-weight: 850;
}

.field-value {
  color: var(--muted);
  font-weight: 780;
}

.field-row {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 104px;
  gap: 10px;
  align-items: center;
}

input[type="range"] {
  width: 100%;
  accent-color: var(--blue);
}

input[type="number"],
select {
  width: 100%;
  min-height: 40px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--paper-strong);
  color: var(--ink);
  padding: 9px 10px;
  font-size: 13px;
}

.quick-buttons,
.segmented,
.link-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.quick-buttons button,
.segmented button,
.plain-button {
  min-height: 34px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--paper-strong);
  color: #3f3932;
  padding: 8px 10px;
  font-size: 13px;
  font-weight: 850;
}

.quick-buttons button:hover,
.segmented button:hover,
.plain-button:hover,
.segmented button.active {
  border-color: var(--line-strong);
  background: var(--blue-soft);
  color: var(--blue);
}

.plain-button {
  width: 100%;
}

.summary-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 10px;
  margin-bottom: 12px;
}

.metric,
.detail,
.cost-row {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.62);
}

.metric {
  display: grid;
  gap: 5px;
  padding: 12px;
}

.metric span,
.detail span,
.cost-name span,
.price-line {
  color: var(--muted);
  font-size: 12px;
  font-weight: 760;
}

.metric strong,
.detail strong {
  font-size: 18px;
  line-height: 1.1;
}

.scenario-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 12px;
}

.scenario-tabs button {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--paper-strong);
  color: var(--muted);
  padding: 9px 11px;
  font-size: 13px;
  font-weight: 900;
}

.scenario-tabs button.active {
  border-color: var(--blue);
  background: var(--blue-soft);
  color: var(--blue);
}

.result-card {
  box-shadow: none;
  padding: 18px;
}

.result-card.best {
  border-color: rgba(47, 125, 91, 0.55);
  background: linear-gradient(180deg, rgba(220, 238, 229, 0.50), rgba(255, 253, 248, 0.92));
}

.card-head,
.bank-top,
.vendor-top {
  display: flex;
  align-items: start;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 12px;
}

.card-head p {
  margin-top: 6px;
}

.badge,
.fit-pill,
.status {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 26px;
  border-radius: 999px;
  padding: 5px 9px;
  white-space: nowrap;
  font-size: 12px;
  font-weight: 900;
}

.badge,
.fit-pill,
.status.good {
  background: var(--green-soft);
  color: var(--green);
}

.status.ok {
  background: var(--blue-soft);
  color: var(--blue);
}

.status.mixed {
  background: var(--amber-soft);
  color: var(--amber);
}

.status.no {
  background: var(--red-soft);
  color: var(--red);
}

.big-number {
  display: grid;
  gap: 4px;
  margin-bottom: 14px;
}

.big-number span {
  color: var(--muted);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0;
}

.big-number strong {
  font-size: 38px;
  line-height: 1;
}

.bar-set {
  display: grid;
  gap: 8px;
}

.bar-line {
  display: grid;
  grid-template-columns: 92px minmax(0, 1fr) 96px;
  gap: 10px;
  align-items: center;
  color: var(--muted);
  font-size: 12px;
  font-weight: 760;
}

.bar-track,
.bar-shell,
.meter-track {
  overflow: hidden;
  border-radius: 999px;
  background: #ebe5d9;
}

.bar-track {
  height: 9px;
}

.bar-fill,
.bar,
.meter-fill {
  display: block;
  height: 100%;
  border-radius: inherit;
  background: var(--blue);
}

.bar-fill.owner {
  background: var(--green);
}

.bar-fill.retained {
  background: var(--violet);
}

.bar-fill.tax {
  background: var(--red);
}

.bar-fill.fee {
  background: var(--amber);
}

.detail-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
  margin-top: 14px;
}

.detail {
  display: grid;
  gap: 4px;
  padding: 10px;
}

.table-wrap,
.feature-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

table {
  width: 100%;
  min-width: 720px;
  border-collapse: collapse;
  font-size: 13px;
}

th,
td {
  padding: 10px;
  border-bottom: 1px solid var(--line);
  text-align: right;
  white-space: nowrap;
}

th:first-child,
td:first-child {
  text-align: left;
}

thead th {
  color: var(--muted);
  font-size: 12px;
}

.best-cell {
  color: var(--green);
  font-weight: 900;
}

.total-row th,
.total-row td {
  color: var(--ink);
  font-weight: 900;
}

.friction-grid,
.bank-grid,
.vendor-grid,
.bookkeeping-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.recommendation-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.card,
.bank-card,
.vendor-card {
  box-shadow: none;
}

.card-list,
.vendor-notes,
.source-box ul {
  display: grid;
  gap: 9px;
  margin: 12px 0 0;
  padding: 0;
  list-style: none;
}

.card-list li,
.vendor-notes li {
  display: grid;
  grid-template-columns: 10px 1fr;
  gap: 9px;
  align-items: start;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.45;
}

.dot {
  width: 8px;
  height: 8px;
  margin-top: 6px;
  border-radius: 50%;
  background: var(--blue);
}

.dot.green {
  background: var(--green);
}

.dot.amber {
  background: var(--amber);
}

.dot.red {
  background: var(--red);
}

.link {
  color: var(--blue);
  font-weight: 900;
  text-decoration-color: rgba(49, 95, 159, 0.35);
  text-underline-offset: 3px;
}

.score-grid {
  display: grid;
  gap: 7px;
  margin-top: 13px;
}

.meter-row {
  display: grid;
  grid-template-columns: 88px minmax(0, 1fr) 24px;
  gap: 8px;
  align-items: center;
  color: var(--muted);
  font-size: 12px;
  font-weight: 760;
}

.meter-track {
  height: 7px;
}

.meter-fill {
  background: var(--green);
}

.feature-table {
  display: grid;
  min-width: 920px;
  border: 1px solid var(--line);
  border-bottom: 0;
  border-radius: var(--radius);
  overflow: hidden;
}

.feature-row {
  display: grid;
  grid-template-columns: minmax(165px, 1.2fr) repeat(var(--columns, 7), minmax(115px, 1fr));
}

.feature-cell {
  display: flex;
  align-items: center;
  min-height: 52px;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.58);
  padding: 9px;
  font-size: 12px;
  line-height: 1.3;
}

.feature-cell:last-child {
  border-right: 0;
}

.feature-head {
  color: #403a33;
  font-weight: 900;
}

.cost-list {
  display: grid;
  gap: 8px;
}

.cost-row {
  display: grid;
  grid-template-columns: minmax(150px, 1fr) minmax(120px, 2fr) 82px;
  gap: 10px;
  align-items: center;
  padding: 10px;
}

.cost-name {
  display: grid;
  gap: 3px;
}

.bar-shell {
  height: 10px;
}

.cost-number {
  text-align: right;
  font-weight: 900;
}

.amount-readout {
  margin: 4px 0 10px;
  font-size: 44px;
  font-weight: 900;
  line-height: 1;
}

.toggle-group {
  display: grid;
  gap: 10px;
  margin-top: 14px;
}

.toggle {
  display: flex;
  gap: 8px;
  align-items: center;
  color: #3d3730;
  font-size: 13px;
  font-weight: 800;
}

.fineprint {
  margin-top: 12px;
  font-size: 12px;
}

.source-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.source-box ul {
  list-style: disc;
  padding-left: 18px;
}

.source-box li + li {
  margin-top: 8px;
}

.note-panel {
  display: grid;
  gap: 12px;
  margin-top: 18px;
  padding: 18px;
}

.footer {
  margin-top: 16px;
  font-size: 13px;
}

.page-step-nav {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 22px;
}

.step-link {
  display: grid;
  gap: 4px;
  min-height: 86px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 253, 248, 0.78);
  padding: 14px;
  text-decoration: none;
}

.step-link:hover {
  border-color: var(--line-strong);
  background: var(--paper-strong);
}

.step-link span {
  color: var(--muted);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0;
}

.step-link strong {
  font-size: 18px;
}

.step-link.next {
  text-align: right;
}

@media (max-width: 1020px) {
  h1 {
    font-size: 40px;
  }

  .page-hero,
  .tool-grid,
  .cost-grid {
    grid-template-columns: 1fr;
  }

  .resource-grid,
  .default-strip,
  .recommendation-grid,
  .friction-grid,
  .bank-grid,
  .vendor-grid,
  .bookkeeping-grid,
  .source-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .summary-strip {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 767px) {
  :root {
    --header-height: 86px;
  }

  .site-header {
    grid-template-columns: 1fr var(--control-size);
    min-height: var(--header-height);
    padding: 30px 30px 12px;
    background: transparent;
    border-bottom: 0;
    backdrop-filter: none;
  }

  .brand {
    position: relative;
    z-index: 60;
    align-self: center;
    font-size: 12px;
  }

  .brand span {
    display: none;
  }

  .desktop-nav {
    display: none;
  }

  .menu-toggle {
    position: relative;
    z-index: 60;
    display: grid;
    width: var(--control-size);
    height: var(--control-size);
    justify-self: end;
    place-items: center;
    border: 0;
    padding: 0;
    background: transparent;
    color: var(--ink);
  }

  .menu-toggle span {
    display: none;
  }

  .menu-toggle::before,
  .menu-toggle::after {
    content: "";
    position: absolute;
    left: 11px;
    width: 22px;
    height: 2px;
    border-radius: 999px;
    background: currentColor;
    transform-origin: center;
    transition:
      top 180ms ease,
      transform 180ms ease;
  }

  .menu-toggle::before {
    top: 18px;
  }

  .menu-toggle::after {
    top: 25px;
  }

  .menu-toggle[aria-expanded="true"]::before {
    top: 22px;
    transform: rotate(45deg);
  }

  .menu-toggle[aria-expanded="true"]::after {
    top: 22px;
    transform: rotate(-45deg);
  }

  .mobile-menu {
    position: fixed;
    inset: 0;
    z-index: 30;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    padding: 100px 30px 74px;
    background: var(--bg);
    opacity: 0;
    pointer-events: none;
    transition: opacity 320ms ease 260ms;
  }

  .mobile-menu[data-open="true"] {
    opacity: 1;
    pointer-events: auto;
    transition-delay: 0ms;
  }

  .mobile-menu-nav {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 22px;
    text-align: center;
  }

  .menu-link {
    color: rgba(25, 25, 23, 0.70);
    font-size: 29px;
    font-weight: 760;
    line-height: 1.08;
    opacity: 0;
    transform: translateY(26px);
    transition:
      opacity 360ms ease,
      transform 360ms ease;
  }

  .menu-link.is-active {
    color: rgba(25, 25, 23, 0.50);
  }

  .mobile-menu[data-open="true"] .menu-link {
    opacity: 1;
    transform: translateY(0);
    transition-delay: calc(180ms + var(--i, 0) * 62ms);
  }

  html[data-menu-open],
  html[data-menu-open] body {
    overflow: hidden;
  }

  .page-shell,
  .homepage-shell {
    width: min(100% - 32px, 1180px);
    padding-top: 14px;
  }

  .page-hero,
  .section-panel {
    padding: 14px 0;
  }

  h1 {
    font-size: 34px;
  }

  h2 {
    font-size: 24px;
  }

  .hero-copy {
    font-size: 16px;
  }

  .resource-grid,
  .default-strip,
  .recommendation-grid,
  .friction-grid,
  .bank-grid,
  .vendor-grid,
  .bookkeeping-grid,
  .source-grid,
  .summary-strip,
  .detail-grid,
  .page-step-nav {
    grid-template-columns: 1fr;
  }

  .section-head {
    display: grid;
    align-items: start;
  }

  .field-row {
    grid-template-columns: 1fr 90px;
  }

  .bar-line {
    grid-template-columns: 76px minmax(0, 1fr);
  }

  .bar-line strong {
    grid-column: 2;
  }

  .cost-row {
    grid-template-columns: 1fr;
  }

  .cost-number {
    text-align: left;
  }

  .resource-card {
    min-height: 0;
  }

  .step-link.next {
    text-align: left;
  }
}