:root{
  --brand:#14532d;
  --brand-dark:#0d3b1e;
  --brand2:#fde047;
  --ink:#1c1917;
  --muted:#6f6a63;
  --bg:#faf9f6;
  --surface:#ffffff;
  --surface2:#f4f2ed;
  --line:rgba(28,25,23,.12);
  --line-soft:rgba(28,25,23,.06);
  --radius:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","SF Pro Text","Segoe UI",Inter,Roboto,"Helvetica Neue",Arial,sans-serif;
  font-size:1.05rem;
  line-height:1.6;
}
.wrap{max-width:960px;margin:0 auto;padding:0 1.25rem}
a{color:var(--brand)}
[hidden]{display:none!important}

/* header */
.topbar{background:var(--brand);color:#fff}
.topbar-in{display:flex;justify-content:space-between;align-items:center;padding:.9rem 1.25rem}
.brandmark{font-weight:750;font-size:1.25rem;letter-spacing:-.02em}
.brandmark span{color:var(--brand2)}
.toplink{color:#fff;text-decoration:none;font-size:.92rem;opacity:.92}
.toplink:hover{text-decoration:underline;opacity:1}

/* hero */
.hero{padding:2.6rem 0 1.4rem}
.hero h1{
  font-size:clamp(2rem,4.6vw,3.1rem);
  line-height:1.12;
  letter-spacing:-.03em;
  font-weight:750;
  margin:0 0 1rem;
  text-wrap:balance;
}
.lede{font-size:1.14rem;color:var(--ink);max-width:46rem;text-wrap:pretty;margin:0}

/* cards */
.card{
  background:var(--surface);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:1.6rem clamp(1.1rem,3vw,2rem);
  margin:1.4rem 0;
  box-shadow:0 1px 2px rgba(28,25,23,.05),0 8px 24px rgba(28,25,23,.05);
}
.card h2{font-size:clamp(1.3rem,2.4vw,1.6rem);letter-spacing:-.02em;margin:.2rem 0 1rem;text-wrap:balance}

/* form */
.form-grid{display:grid;grid-template-columns:.55fr 1fr 1fr;gap:1rem}
@media (max-width:640px){.form-grid{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:.35rem}
.field>span:first-child{font-size:.86rem;font-weight:650;letter-spacing:.02em;color:var(--ink)}
.field input{
  font:inherit;font-size:1rem;color:var(--ink);
  padding:.65rem .8rem;border:1px solid var(--line);border-radius:10px;background:#fff;width:100%;
}
.field input:focus{outline:2px solid var(--brand);outline-offset:1px;border-color:var(--brand)}
.hint{color:var(--muted);font-size:.94rem;margin:1rem 0 0}
.form-msg{color:#b91c1c;font-size:.95rem;margin:.8rem 0 0}
.calc-row{margin-top:16px}

/* buttons */
.btn{
  appearance:none;font:inherit;font-size:.95rem;font-weight:650;cursor:pointer;
  padding:.6rem 1.15rem;border-radius:999px;border:1px solid var(--brand);
  background:#fff;color:var(--brand);
}
.btn:hover{background:color-mix(in srgb,var(--brand) 7%,#fff)}
.btn.primary{background:var(--brand);color:#fff}
.btn.primary:hover{background:var(--brand-dark)}
.btn:disabled{opacity:.55;cursor:wait}

/* results */
.results{margin-top:1.8rem;border-top:1px solid var(--line);padding-top:1.4rem}
.results h2{font-size:1.25rem;margin:.2rem 0 .8rem}
.donut-wrap{display:flex;gap:1.8rem;align-items:center;flex-wrap:wrap}
.donut{width:230px;height:230px;flex:none;display:block}
.donut-big{font-size:1.9rem;font-weight:750;fill:var(--ink)}
.donut-small{font-size:.82rem;fill:var(--muted)}
.legend{list-style:none;margin:0;padding:0;flex:1;min-width:250px}
.legend li{display:flex;align-items:center;gap:.6rem;padding:.45rem 0;border-bottom:1px solid var(--line-soft)}
.legend li:last-child{border-bottom:0}
.dot{width:.85rem;height:.85rem;border-radius:3px;flex:none}
.lg-name{flex:1}
.lg-pct{font-weight:750}
.lg-amt{color:var(--muted);min-width:6.2rem;text-align:right;font-variant-numeric:tabular-nums}
.yearly-line{font-size:1.02rem;margin:1rem 0 0}
.zero-note{
  background:var(--surface2);border:1px solid var(--line);border-radius:10px;
  padding:.7rem .9rem;font-size:.95rem;margin:1rem 0 0;
}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:.8rem;margin-top:1.2rem}
@media (max-width:640px){.tiles{grid-template-columns:1fr}}
.tile{background:var(--surface2);border-radius:12px;padding:1rem 1.1rem}
.t-label{font-size:.84rem;color:var(--muted);font-weight:650;letter-spacing:.02em}
.t-value{font-size:1.4rem;font-weight:750;letter-spacing:-.01em;font-variant-numeric:tabular-nums}
.summary{font-size:1.05rem;margin:1.1rem 0 0;text-wrap:pretty}
.fineprint{color:var(--muted);font-size:.88rem;margin-top:1rem}

/* prose */
.prose ul{padding-left:1.2rem;margin:.4rem 0 1rem}
.prose li{margin-bottom:.55rem;text-wrap:pretty}
.prose p{text-wrap:pretty}

/* footer */
footer{border-top:1px solid var(--line);margin-top:2rem}
.foot-in{padding:1.4rem 1.25rem 2rem;color:var(--muted);font-size:.92rem}

/* email gate modal (PicConvert pattern) */
.pc-modal-backdrop{
  position:fixed;inset:0;background:rgba(16,42,24,.55);z-index:100;
  display:flex;align-items:center;justify-content:center;padding:1rem;
}
.pc-modal-backdrop[hidden]{display:none}
.pc-modal{
  background:var(--surface);color:var(--ink);border-radius:16px;max-width:430px;width:100%;
  padding:1.7rem 1.6rem 1.4rem;position:relative;box-shadow:0 24px 60px rgba(0,0,0,.3);
}
.pc-modal h2{margin:0 2rem .6rem 0;font-size:1.35rem;letter-spacing:-.02em}
.pc-modal p{margin:0 0 1rem;font-size:.98rem}
.pc-modal-close{
  position:absolute;top:.6rem;right:.8rem;border:0;background:transparent;
  font-size:1.6rem;line-height:1;cursor:pointer;color:var(--muted);
}
.pc-modal form{display:flex;gap:.55rem;flex-wrap:wrap}
.pc-modal input[type=email]{
  flex:1 1 200px;font:inherit;font-size:1rem;padding:.62rem .8rem;
  border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);
}
.pc-modal-msg{font-size:.92rem;margin:.7rem 0 0;min-height:1.2em}
.pc-modal-msg.err{color:#b91c1c}
.pc-modal-msg.ok{color:#15803d}
.pc-modal-note{color:var(--muted);font-size:.85rem;margin:.8rem 0 0}

@media (max-width:560px){
  .card{padding:1.2rem 1rem}
  .donut-wrap{justify-content:center}
}
@media (prefers-color-scheme: dark){
  :root{
    --ink:#f4f1ea;--muted:#a8a29e;--bg:#141412;--surface:#1d1c1a;--surface2:#262522;
    --line:rgba(255,255,255,.12);--line-soft:rgba(255,255,255,.06);
  }
  .field input{background:#262522;color:var(--ink)}
  .btn{background:transparent}
  .btn:hover{background:color-mix(in srgb,var(--brand) 25%,transparent)}
  .pc-modal input[type=email]{background:#262522;color:var(--ink)}
}