:root{
  --bg:#f6f4ef;
  --surface:#ffffff;
  --ink:#1a2226;
  --muted:#6b746f;
  --line:#e4dfd4;
  --accent:#c98a2d;
  --accent-ink:#8a5d14;
  --good:#2f6f4f;
  --danger:#c0453c;
  --display:"Fraunces",Georgia,serif;
  --sans:"Work Sans","Helvetica Neue",system-ui,sans-serif;
  --pad:clamp(18px,4vw,44px);
  --radius:16px;
  --shadow:0 14px 36px rgba(26,34,38,.08);
}
*{box-sizing:border-box;margin:0}
html{-webkit-text-size-adjust:100%}
body{background:var(--bg);color:var(--ink);font-family:var(--sans);font-weight:400;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--display);font-weight:600;line-height:1.08;margin:0 0 .4em}
h1{font-size:clamp(2.4rem,6vw,4rem)}
h2{font-size:2.1rem}
h3{font-size:1.5rem}
p{margin:0 0 1em}
a{color:var(--accent-ink);font-weight:600}
a:hover{text-decoration:none}
.wrap{max-width:1160px;margin:0 auto;padding:0 var(--pad)}
.tool-hero{position:relative;overflow:hidden}
.tool-hero:before{content:"";position:absolute;inset:0;background:
  radial-gradient(60% 55% at 95% -8%,rgba(201,138,45,.14),transparent 60%),
  repeating-linear-gradient(0deg,transparent 0 39px,rgba(26,34,38,.03) 39px 40px);pointer-events:none}
/* Header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(246,244,239,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.head-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:13px;padding-bottom:13px}
.brand{display:inline-flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink)}
.brand .logo{width:38px;height:38px;display:block;border-radius:4px}
.brand-name{font-family:var(--display);font-weight:600;font-size:1.5rem;letter-spacing:.01em}
.brand-name em{font-style:normal;color:var(--accent)}
.site-nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.site-nav a{display:inline-block;padding:9px 15px;border-radius:999px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.93rem}
.site-nav a:hover{background:var(--surface);color:var(--accent-ink)}
/* Hero header */
.tool-hd{position:relative;padding-top:40px;padding-bottom:6px;max-width:720px}
.tool-hd h1{margin-bottom:.12em}
.tool-hd p{color:var(--muted);font-size:1.08rem}
.eyebrow{display:inline-block;font-weight:600;font-size:.78rem;letter-spacing:.2em;text-transform:uppercase;color:var(--accent);margin-bottom:.6em}
/* Layout */
.calc-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:20px;align-items:start}
@media(max-width:960px){.calc-grid{grid-template-columns:1fr}}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.panel h4{font-size:1.4rem;margin-bottom:.15em}
.panel .sub{color:var(--muted);font-size:.9rem;margin-bottom:18px}
.field{margin-bottom:16px}
.field>label{display:block;font-weight:600;font-size:.82rem;margin-bottom:7px;color:var(--ink);letter-spacing:.01em}
input[type=number],input[type=text]{
  width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);
  font-family:var(--sans);font-size:1.05rem;appearance:none;transition:.15s;font-weight:600
}
input:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(201,138,45,.16)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:520px){.row2{grid-template-columns:1fr}}
.money{position:relative}
.money:before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);font-weight:600;color:var(--muted)}
.money input{padding-left:30px}
/* Segmented */
.seg{display:grid;grid-template-columns:1fr;gap:8px}
.seg input{position:absolute;opacity:0}
.seg label{display:block;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;cursor:pointer;font-weight:600;font-size:.92rem;transition:.15s;color:var(--ink)}
.seg input:checked+label{border-color:var(--accent);background:#faf3e4;color:var(--accent-ink)}
.seg label:hover{border-color:var(--accent)}
.seg .k{display:block;font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);opacity:.75}
/* Result */
.result{display:flex;align-items:center;gap:18px;background:var(--ink);color:#fff;border-radius:14px;padding:22px 24px;margin-top:6px;flex-wrap:wrap}
.result .v{font-family:var(--display);font-weight:600;font-size:2.9rem;line-height:1}
.result .v small{font-size:1.2rem;color:#c9c2b2}
.result .l{color:#c9c2b2;font-size:.9rem;flex:1;min-width:150px}
.formula{background:#f3efe4;border:1px dashed var(--line);border-radius:10px;padding:11px 14px;margin-top:12px;font-size:.88rem;color:var(--muted);font-family:var(--sans)}
.formula strong{color:var(--ink)}
/* Mode input groups */
.in-of,.in-is,.in-change{display:none}
.in-of.active,.in-is.active,.in-change.active{display:block;animation:fade .25s ease}
@keyframes fade{from{opacity:0;transform:translateY(4px)}to{opacity:1;transform:none}}
/* Discount / tip quick cards */
.q-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:20px}
@media(max-width:760px){.q-grid{grid-template-columns:1fr}}
.q-card{position:relative;overflow:hidden}
.q-card h5{font-family:var(--display);font-size:1.1rem;margin-bottom:2px}
.q-card .meta{font-size:.8rem;color:var(--muted);margin-bottom:14px}
.q-card .tag{position:absolute;top:16px;right:16px;font-size:.7rem;text-transform:uppercase;letter-spacing:.12em;font-weight:600;color:var(--accent)}
.data-row{display:flex;justify-content:space-between;align-items:baseline;padding:9px 0;border-bottom:1px dashed var(--line);font-size:.95rem}
.data-row:last-child{border-bottom:none}
.data-row span:first-child{color:var(--muted)}
.data-row.output{font-weight:700}
.data-row.output .amt{font-family:var(--display);font-size:1.4rem;color:var(--good)}
/* Visualization */
.viz{margin-top:18px}
.viz .bars{display:flex;flex-direction:column;gap:14px;margin-top:10px}
.viz .bar-wrap .lbl{display:flex;justify-content:space-between;font-size:.85rem;margin-bottom:5px}
.viz .bar-wrap .lbl b{font-weight:600}
.viz .track{height:22px;background:#efece2;border-radius:6px;overflow:hidden}
.viz .fill{height:100%;border-radius:6px;transition:width .5s ease;background:linear-gradient(90deg,var(--accent),#e0a855)}
.viz .fill.new{background:linear-gradient(90deg,var(--good),#55a97e)}
.viz .fill.down{background:linear-gradient(90deg,var(--danger),#d4847d)}
.viz .delta{font-size:.86rem;color:var(--muted)}
.viz .delta b{color:var(--good)}
.viz .delta b.neg{color:var(--danger)}
@media(max-width:560px){.viz .track{height:18px}}
/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:10px;border:none;background:var(--accent);color:#fff;font-family:var(--sans);font-weight:600;font-size:1rem;cursor:pointer;text-decoration:none;min-height:44px;transition:.15s}
.btn:hover{background:var(--accent-ink)}
/* Content / article */
.page{padding:54px 0 66px}
.page-narrow{max-width:780px}
.page-lede{font-size:1.08rem;color:var(--muted);max-width:660px}
.article-list{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:30px}
@media(max-width:760px){.article-list{grid-template-columns:1fr}}
.article-card{display:block;background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:22px;text-decoration:none;color:var(--ink);transition:.18s;box-shadow:var(--shadow)}
.article-card:hover{border-color:var(--accent);transform:translateY(-3px)}
.article-card h2{font-size:1.35rem;margin-bottom:.4em}
.article-card p{color:var(--muted);font-size:.94rem;margin:0}
.article-body h2{margin-top:1.6em}
.article-body ul,.article-body ol{padding-left:0;list-style:none;margin:0 0 1em}
.article-body li{margin-bottom:.6em;padding-left:20px;position:relative}
.article-body ul li:before{content:"%";position:absolute;left:0;top:0;color:var(--accent);font-family:var(--display);font-weight:600}
.article-body ol{counter-reset:li}
.article-body ol li{counter-increment:li}
.article-body ol li:before{content:counter(li) ".";position:absolute;left:0;color:var(--accent);font-family:var(--display);font-weight:600}
.quote{border-left:4px solid var(--accent);background:var(--surface);border-radius:0 12px 12px 0;padding:16px 20px;margin:1.4em 0;color:var(--muted)}
.article-meta{display:flex;gap:12px;color:var(--muted);font-size:.85rem;margin:0 0 1.6em;flex-wrap:wrap;list-style:none}
.article-meta span{background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:5px 12px}
/* Quick-reference table */
table{width:100%;border-collapse:collapse;margin-top:10px;font-size:.9rem;background:var(--surface)}
th,td{text-align:center;padding:10px 8px;border-bottom:1px solid var(--line)}
th{background:var(--ink);color:#fff;font-family:var(--display);font-weight:600;text-transform:uppercase;font-size:.8rem;letter-spacing:.04em}
th:first-child,td:first-child{text-align:left}
tr:nth-child(even) td{background:#faf8f2}
.tbl-scroll{overflow:auto;border:1px solid var(--line);border-radius:12px}
/* Footer */
.site-foot{border-top:1px solid var(--line);background:var(--surface)}
.foot-grid{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;padding-top:34px;padding-bottom:26px;flex-wrap:wrap}
.foot-brand{font-family:var(--display);font-weight:600;font-size:1.2rem;margin:0}
.site-foot nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0;flex-wrap:wrap}
.site-foot nav a{display:inline-block;padding:7px 11px;border-radius:999px;color:var(--muted);text-decoration:none;font-size:.9rem}
.site-foot nav a:hover{background:var(--bg);color:var(--accent-ink)}
.foot-legal{border-top:1px dashed var(--line);padding:16px var(--pad);color:var(--muted);font-size:.82rem;text-align:center}
/* Cookie banner */
.cookie-banner{position:fixed;left:16px;right:16px;bottom:16px;z-index:100;display:none;align-items:center;gap:14px;justify-content:space-between;flex-wrap:wrap;background:var(--ink);color:#fff;border-radius:14px;padding:14px 18px;box-shadow:var(--shadow);max-width:660px;margin:0 auto}
.cookie-banner p{margin:0;font-size:.9rem;flex:1;min-width:220px;color:#d6d2c6}
.cookie-banner button{border:none;border-radius:10px;padding:9px 16px;font-family:var(--sans);font-weight:600;font-size:.9rem;cursor:pointer;min-height:40px}
#cookie-accept{background:var(--accent);color:#fff}
/* Responsive menu */
.menu-btn{display:none}
@media(max-width:640px){
  header:has(.menu-btn) .site-nav{position:relative}
  .menu-btn{display:none}
  header:has(.menu-btn) .menu-btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 16px;border:1.5px solid var(--line);background:var(--surface);border-radius:10px;font-family:var(--sans);font-weight:600;font-size:.9rem;cursor:pointer;color:var(--ink)}
  header:has(.menu-btn) #nav-menu{display:none;position:absolute;right:0;top:calc(100% + 8px);background:var(--surface);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);min-width:200px;z-index:60;padding:8px}
  header:has(.menu-btn) #nav-menu.open{display:block}
  header:has(.menu-btn) .site-nav ul{flex-direction:column;gap:0}
  header:has(.menu-btn) .site-nav a{display:block;border-radius:10px}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important}}