/* Calcoway design system.
   Idea: every answer shows its working, like a ledger. Navy carries trust, mint marks the answer.
   Change brand colours here only. */
:root{
  --navy:#0b2545;      /* header, hero, headings */
  --navy-2:#13315c;    /* hero gradient end, hover */
  --ink:#14233a;       /* body text */
  --slate:#4b5b70;     /* secondary text */
  --rule:#d8e1eb;      /* borders and dividers */
  --mist:#eef3f8;      /* page background */
  --paper:#ffffff;
  --mint:#0f9f6a;      /* the answer, primary action */
  --mint-deep:#0b7f54;
  --mint-tint:#e3f5ec;
  --warn:#b42318; --warn-tint:#fdeceb;
  --r-shell:16px; --r-ctl:9px;
  --lift:0 1px 0 rgba(11,37,69,.04),0 12px 32px -12px rgba(11,37,69,.22);
  --font:"IBM Plex Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --measure:68ch;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--mist);font-size:17px;line-height:1.6;font-variant-numeric:tabular-nums}
h1,h2,h3{color:var(--navy);line-height:1.18;letter-spacing:-.018em;font-weight:700}
a{color:var(--navy-2);text-underline-offset:3px}
a:hover{color:var(--mint-deep)}
:focus-visible{outline:3px solid #6fd7ab;outline-offset:2px;border-radius:4px}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
@media(max-width:600px){.wrap{padding:0 16px}}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;background:#fff;padding:8px 12px;z-index:20}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* ---------- Header ---------- */
.site-header{background:var(--navy);color:#fff;position:relative;z-index:10}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:66px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;font-size:1.22rem;letter-spacing:-.02em}
.logo:hover{color:#fff}
.logo b{color:#7fe3b8;font-weight:700}
.nav{display:flex;gap:4px;align-items:center}
.nav a{color:#cfdbea;text-decoration:none;font-size:.95rem;padding:8px 12px;border-radius:8px}
.nav a:hover,.nav a[aria-current="page"]{color:#fff;background:rgba(255,255,255,.08)}
.menu{display:none}
@media(max-width:760px){
  .nav{display:none}
  .menu{display:block}
  .menu summary{list-style:none;cursor:pointer;color:#fff;padding:8px 12px;border:1px solid rgba(255,255,255,.25);border-radius:8px;font-size:.95rem}
  .menu summary::-webkit-details-marker{display:none}
  .menu[open] .menu-panel{display:block}
  .menu-panel{display:none;position:absolute;left:0;right:0;top:66px;background:var(--navy);border-top:1px solid rgba(255,255,255,.12);padding:8px 16px 16px;box-shadow:0 18px 30px -10px rgba(0,0,0,.35)}
  .menu-panel a{display:block;color:#e4ecf6;text-decoration:none;padding:12px 4px;border-bottom:1px solid rgba(255,255,255,.08)}
}

/* ---------- Home hero: the product is the hero ---------- */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#1d4a80 0%,transparent 60%),linear-gradient(180deg,var(--navy),var(--navy-2));color:#fff;padding:56px 0 64px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:36px;align-items:center}
@media(min-width:940px){.hero-grid{grid-template-columns:1.05fr .95fr;gap:56px}}
.hero h1{color:#fff;font-size:clamp(2.1rem,5vw,3.35rem);margin:0 0 18px;letter-spacing:-.03em;max-width:15ch}
.hero .sub{color:#c6d4e6;font-size:1.13rem;max-width:46ch;margin:0 0 28px}
.search{position:relative;max-width:520px}
.search input{width:100%;padding:15px 18px;border-radius:12px;border:1px solid rgba(255,255,255,.2);background:#fff;font:inherit;font-size:1rem;color:var(--ink)}
.search-results{list-style:none;margin:8px 0 0;padding:6px;background:#fff;border-radius:12px;box-shadow:var(--lift);position:absolute;left:0;right:0;z-index:6}
.search-results:empty{display:none}
.search-results a{display:block;padding:10px 12px;color:var(--ink);text-decoration:none;border-radius:8px}
.search-results a:hover,.search-results a:focus{background:var(--mint-tint)}
.promises{display:flex;flex-wrap:wrap;gap:8px 22px;margin:22px 0 0;padding:0;list-style:none;color:#b9c9de;font-size:.93rem}
.promises li::before{content:"";display:inline-block;width:7px;height:7px;border-radius:50%;background:#7fe3b8;margin-right:9px;vertical-align:2px}

/* Hero live calculator */
.live{background:var(--paper);color:var(--ink);border-radius:var(--r-shell);box-shadow:0 30px 60px -24px rgba(0,0,0,.55);overflow:hidden}
.live-head{display:flex;justify-content:space-between;align-items:baseline;gap:10px;padding:18px 22px 0}
.live-head h2{font-size:1.05rem;margin:0}
.live-head a{font-size:.88rem}
.live-inputs{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px;padding:14px 22px 6px}
.live-answer{display:flex;align-items:baseline;gap:14px;flex-wrap:wrap;padding:6px 22px 4px}
.live-answer .big{font-size:2.6rem;font-weight:700;color:var(--navy);letter-spacing:-.03em;line-height:1.1}
.live-answer .what{color:var(--slate);font-size:.95rem}
.live .working{margin:0}

/* ---------- Home directory ---------- */
.band{padding:56px 0}
.band + .band{padding-top:8px}
.band-head{max-width:var(--measure);margin-bottom:22px}
.band-head h2{font-size:clamp(1.45rem,2.6vw,1.9rem);margin:0 0 8px}
.band-head p{margin:0;color:var(--slate)}
.cluster{display:grid;grid-template-columns:minmax(0,1fr);gap:28px}
@media(min-width:900px){.cluster{grid-template-columns:repeat(2,1fr)}}
.group h3{font-size:1.12rem;margin:0 0 4px}
.group > p{margin:0 0 12px;color:var(--slate);font-size:.95rem}
.rows{list-style:none;margin:0;padding:0;background:var(--paper);border:1px solid var(--rule);border-radius:12px;overflow:hidden}
.rows li + li{border-top:1px solid var(--rule)}
.rows a,.rows .soon{display:grid;grid-template-columns:40px 1fr auto;gap:14px;align-items:center;padding:14px 16px;text-decoration:none;color:var(--ink)}
.rows a:hover{background:#f7fafc}
.rows a:hover .name{color:var(--mint-deep)}
.rows .ico{width:40px;height:40px;border-radius:10px;background:var(--mint-tint);color:var(--mint-deep);display:grid;place-items:center}
.rows .soon .ico{background:var(--mist);color:#8a97a8}
.rows .name{font-weight:600;color:var(--navy);display:block}
.rows .desc{display:block;color:var(--slate);font-size:.92rem;line-height:1.45}
.rows .meta{font-size:.8rem;color:var(--slate);white-space:nowrap}
.rows .soon .name{color:#6b788a}
.rows .soon .meta{color:#8a97a8}
@media(max-width:520px){.rows .meta{display:none}.rows a,.rows .soon{grid-template-columns:40px 1fr}}

.formulas{display:grid;grid-template-columns:minmax(0,1fr);gap:0;background:var(--paper);border:1px solid var(--rule);border-radius:var(--r-shell);overflow:hidden}
@media(min-width:900px){.formulas{grid-template-columns:1fr 1fr}}
.formulas article{padding:24px 26px;border-bottom:1px solid var(--rule)}
@media(min-width:900px){.formulas article:nth-child(odd){border-right:1px solid var(--rule)}.formulas article:nth-last-child(-n+2){border-bottom:0}}
.formulas h3{font-size:1.08rem;margin:0 0 8px}
.formulas p{margin:8px 0 0;color:var(--slate);font-size:.97rem}

.pledge{display:grid;grid-template-columns:1fr;gap:24px}
@media(min-width:800px){.pledge{grid-template-columns:repeat(3,1fr)}}
.pledge h3{font-size:1.02rem;margin:0 0 6px}
.pledge p{margin:0;color:var(--slate);font-size:.96rem}

/* ---------- Calculator page ---------- */
.page-top{background:linear-gradient(180deg,#fff 0%,var(--mist) 100%);border-bottom:1px solid var(--rule)}
.crumbs{font-size:.88rem;color:var(--slate);padding-top:18px}
.crumbs a{color:var(--slate)}
.page-top h1{font-size:clamp(1.85rem,4vw,2.6rem);margin:10px 0 10px;letter-spacing:-.03em}
.page-top .lede{color:var(--slate);max-width:62ch;margin:0;padding-bottom:30px;font-size:1.07rem}
.layout{display:grid;grid-template-columns:minmax(0,1fr);gap:28px;margin-top:-6px}
@media(min-width:980px){.layout{grid-template-columns:minmax(0,1fr) 300px}}

.calc{background:var(--paper);border:1px solid var(--rule);border-radius:var(--r-shell);box-shadow:var(--lift);overflow:hidden;margin-top:24px}
.calc-body{display:grid;grid-template-columns:minmax(0,1fr)}
@media(min-width:760px){.calc-body{grid-template-columns:minmax(0,1.05fr) minmax(0,1fr)}}
.calc-inputs{padding:24px}
.calc-output{padding:24px;background:linear-gradient(180deg,#f8fbfd,#f1f6fa);border-top:1px solid var(--rule)}
@media(min-width:760px){.calc-output{border-top:0;border-left:1px solid var(--rule)}}
.toolbar{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:18px}
.private{font-size:.86rem;color:var(--slate);display:flex;align-items:center;gap:7px}
.private svg{color:var(--mint)}
select.currency{border:1px solid var(--rule);border-radius:var(--r-ctl);padding:8px 10px;font:inherit;font-size:.9rem;background:#fff;color:var(--ink)}

.modes{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 18px;padding:4px;background:var(--mist);border-radius:12px}
.modes label{flex:1 1 auto;position:relative}
.modes input{position:absolute;opacity:0;inset:0}
.modes span{display:block;text-align:center;padding:9px 12px;border-radius:9px;font-size:.9rem;color:var(--slate);cursor:pointer}
.modes input:checked + span{background:#fff;color:var(--navy);font-weight:600;box-shadow:0 1px 3px rgba(11,37,69,.12)}
.modes input:focus-visible + span{outline:3px solid #6fd7ab}

.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:.94rem;margin-bottom:6px;color:var(--navy)}
.field .opt{font-weight:400;color:var(--slate)}
.ctl{display:flex;align-items:stretch;border:1px solid #c7d2df;border-radius:var(--r-ctl);background:#fff;overflow:hidden;transition:border-color .15s,box-shadow .15s}
.ctl:focus-within{border-color:var(--mint);box-shadow:0 0 0 4px rgba(15,159,106,.14)}
.ctl .affix{display:flex;align-items:center;padding:0 12px;background:#f3f6f9;color:var(--slate);font-size:.95rem;white-space:nowrap}
.ctl input{flex:1;min-width:0;border:0;padding:12px 13px;font:inherit;font-size:1.05rem;background:transparent;color:var(--ink);outline:none}
.field .hint{font-size:.84rem;color:var(--slate);margin-top:5px;line-height:1.45}
.field .error{display:none;color:var(--warn);font-size:.84rem;margin-top:5px}
.field.invalid .ctl{border-color:var(--warn)}
.field.invalid .error{display:block}
.btns{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}
.btn{border:0;border-radius:var(--r-ctl);padding:12px 20px;font:inherit;font-size:.96rem;font-weight:600;cursor:pointer}
.btn-primary{background:var(--mint);color:#fff}.btn-primary:hover{background:var(--mint-deep)}
.btn-quiet{background:transparent;color:var(--navy);border:1px solid var(--rule)}.btn-quiet:hover{border-color:var(--navy)}
.linkish{background:none;border:0;padding:12px 4px;font:inherit;font-size:.94rem;color:var(--navy-2);text-decoration:underline;text-underline-offset:3px;cursor:pointer}

.answer-label{font-size:.92rem;color:var(--slate)}
.answer{font-size:clamp(2.3rem,5vw,3rem);font-weight:700;color:var(--navy);letter-spacing:-.035em;line-height:1.08;margin:2px 0 16px;word-break:break-word}
.answer.neg{color:var(--warn)}
.answer.flash{animation:flash .5s ease-out}
@keyframes flash{from{color:var(--mint)}}
.facts{list-style:none;margin:0 0 18px;padding:0}
.facts li{display:flex;justify-content:space-between;gap:14px;padding:9px 0;border-bottom:1px solid var(--rule);font-size:.97rem}
.facts li span:last-child{font-weight:600;color:var(--navy);text-align:right}

/* The working: the signature element */
.working{border-left:3px solid var(--mint);background:#fff;border-radius:0 10px 10px 0;padding:12px 16px;margin:0 0 16px}
.working h3{font-size:.86rem;color:var(--slate);font-weight:600;margin:0 0 6px;letter-spacing:0}
.working ol{list-style:none;margin:0;padding:0}
.working li{display:grid;grid-template-columns:1fr auto;gap:4px 12px;padding:6px 0;font-size:.93rem}
.working li + li{border-top:1px dashed var(--rule)}
.working .step{color:var(--slate)}
.working .eq{grid-column:1/-1;color:var(--ink)}
.working .eq b{color:var(--mint-deep)}
.note{font-size:.86rem;color:var(--slate);line-height:1.5}
.note.warn,.alert{background:var(--warn-tint);color:#7a1d14;border-radius:10px;padding:12px 14px;font-size:.93rem}
.empty{color:var(--slate)}
.empty strong{color:var(--navy);display:block;font-size:1.05rem;margin-bottom:4px}
.copy-row{display:flex;align-items:center;gap:10px;margin-top:6px}
.copied{color:var(--mint-deep);font-size:.88rem}

/* Ads: reserved space so the page never jumps; never between inputs and buttons */
.ad-slot{margin:28px 0;min-height:110px;display:flex;align-items:center;justify-content:center;border:1px dashed #c9d4e1;border-radius:12px;color:#97a4b5;font-size:.78rem;background:rgba(255,255,255,.6)}
.ad-slot.side{min-height:250px;margin:0}
.ad-slot:empty::before{content:"Advertisement"}

/* Article */
.article{background:var(--paper);border:1px solid var(--rule);border-radius:var(--r-shell);padding:32px clamp(20px,4vw,40px);margin-bottom:40px}
.article > *{max-width:var(--measure)}
.article h2{font-size:1.4rem;margin:34px 0 10px}
.article h2:first-child{margin-top:0}
.article h3{font-size:1.08rem;margin:22px 0 6px}
.article p,.article li{color:#243650}
.formula{font-size:1.02rem;background:var(--mist);border-radius:10px;padding:14px 18px;margin:12px 0;color:var(--navy);overflow-x:auto;line-height:1.7}
.example{border:1px solid #bfe6d3;background:var(--mint-tint);border-radius:12px;padding:16px 20px;margin:12px 0}
.example p:first-child{margin-top:0}
.table-scroll{overflow-x:auto}
table.simple{border-collapse:collapse;width:100%;font-size:.96rem;margin:10px 0}
table.simple th{text-align:left;color:var(--slate);font-weight:600;border-bottom:2px solid var(--rule);padding:8px 10px}
table.simple td{padding:9px 10px;border-bottom:1px solid var(--rule)}
details{border-bottom:1px solid var(--rule);padding:14px 0}
details:first-of-type{border-top:1px solid var(--rule)}
details summary{font-weight:600;color:var(--navy);cursor:pointer}
details p{margin:8px 0 0}
.reviewed{font-size:.86rem;color:var(--slate);margin-top:26px;padding-top:16px;border-top:1px solid var(--rule)}

aside .box{background:var(--paper);border:1px solid var(--rule);border-radius:14px;padding:18px 20px;margin:24px 0 0}
aside .box + .box,aside .box + .ad-slot{margin-top:18px}
aside h2{font-size:1rem;margin:0 0 10px}
aside ul{list-style:none;margin:0;padding:0}
aside li{padding:7px 0;border-top:1px solid var(--rule);font-size:.95rem}
aside li:first-child{border-top:0}
aside li small{color:var(--slate)}
.aff p{font-size:.8rem;color:var(--slate);margin:10px 0 0}
@media(min-width:980px){aside .sticky{position:sticky;top:20px}}

/* Prose pages */
.prose{background:var(--paper);border:1px solid var(--rule);border-radius:var(--r-shell);padding:32px clamp(20px,4vw,40px);margin:28px 0 48px;max-width:820px}
.prose h1{margin-top:0;font-size:2.1rem}
.prose p,.prose li{max-width:var(--measure)}

/* Footer */
.site-footer{background:var(--navy);color:#b9c9de;padding:44px 0 30px;margin-top:24px;font-size:.93rem}
.site-footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:28px}
.site-footer h2{color:#fff;font-size:.98rem;margin:0 0 10px;letter-spacing:0}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:7px}
.site-footer a{color:#b9c9de;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer .legal{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;font-size:.84rem;color:#93a7c1}

/* Hero calculator output */
.live form{margin:0}
.live-inputs .field{margin-bottom:6px}
.live-out{padding:6px 22px 22px}
.live-out .answer{font-size:2.5rem;margin-bottom:10px}
.live-out .facts{margin-bottom:12px}
.live-out .copy-row{display:none}