:root {
  --bg: #FDF6EE;
  --surface: #FFFAF4;
  --surface2: #F5EDE0;
  --accent: #C4622D;
  --accent-light: #E8845A;
  --accent-pale: #FAE8DC;
  --ink: #2A1F14;
  --ink-mid: #6B5744;
  --ink-light: #A08870;
  --green: #3D6B4F;
  --green-light: #EBF3EE;
  --border: #E5D5C3;
  --shadow: rgba(42,31,20,0.08);
  --radius: 16px;
  --radius-sm: 8px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; background: var(--bg); color: var(--ink); font-size: 16px; line-height: 1.6; }

/* NAV */
nav { position: sticky; top: 0; z-index: 100; background: var(--surface); border-bottom: 1px solid var(--border); padding: 0 2rem; display: flex; align-items: center; justify-content: space-between; height: 64px; box-shadow: 0 2px 12px var(--shadow); }
.nav-logo { font-family: 'DM Serif Display', serif; font-size: 1.25rem; color: var(--accent); text-decoration: none; letter-spacing: -0.02em; }
.nav-links { display: flex; gap: 2rem; list-style: none; }
.nav-links a { text-decoration: none; color: var(--ink-mid); font-size: 0.9rem; font-weight: 500; transition: color 0.2s; }
.nav-links a:hover { color: var(--accent); }
.nav-cta { background: var(--accent) !important; color: white !important; padding: 0.45rem 1.1rem; border-radius: 100px; font-size: 0.85rem !important; transition: background 0.2s !important; }
.nav-cta:hover { background: var(--accent-light) !important; }

/* DISCLOSURE BAR */
.disclosure-bar { background: #2A1F14; color: rgba(255,255,255,0.6); text-align: center; padding: 0.5rem 1rem; font-size: 0.75rem; line-height: 1.4; }
.disclosure-bar strong { color: rgba(255,255,255,0.85); }
.disclosure-bar a { color: #E8845A; text-decoration: underline; }

/* BUTTONS */
.btn-primary { background: var(--accent); color: white; border: none; padding: 0.85rem 1.75rem; border-radius: 100px; font-family: 'DM Sans', sans-serif; font-size: 0.95rem; font-weight: 600; cursor: pointer; text-decoration: none; display: inline-block; transition: all 0.2s; box-shadow: 0 4px 14px rgba(196,98,45,0.3); }
.btn-primary:hover { background: var(--accent-light); transform: translateY(-1px); }
.btn-secondary { background: transparent; color: var(--ink); border: 1.5px solid var(--border); padding: 0.85rem 1.75rem; border-radius: 100px; font-family: 'DM Sans', sans-serif; font-size: 0.95rem; font-weight: 500; cursor: pointer; text-decoration: none; display: inline-block; transition: all 0.2s; }
.btn-secondary:hover { border-color: var(--accent); color: var(--accent); }

/* SECTION */
.section { padding: 5rem 2rem; max-width: 1100px; margin: 0 auto; }
.section-label { font-size: 0.75rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--accent); margin-bottom: 0.75rem; }
.section-title { font-family: 'DM Serif Display', serif; font-size: clamp(1.8rem, 3vw, 2.5rem); line-height: 1.2; color: var(--ink); margin-bottom: 1rem; letter-spacing: -0.02em; }
.section-subtitle { color: var(--ink-mid); font-size: 1rem; max-width: 520px; margin-bottom: 3rem; }

/* CALCULATOR CARDS */
.calc-category-label { font-family: 'DM Serif Display', serif; font-size: 1.15rem; color: var(--ink); margin-bottom: 1rem; padding-bottom: 0.6rem; border-bottom: 2px solid var(--border); }
.calc-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 1.25rem; margin-bottom: 2.5rem; }
.calc-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.75rem; cursor: pointer; transition: all 0.2s; position: relative; overflow: hidden; box-shadow: 0 2px 8px var(--shadow); text-decoration: none; display: block; }
.calc-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--accent); transform: scaleX(0); transition: transform 0.2s; transform-origin: left; }
.calc-card:hover::before { transform: scaleX(1); }
.calc-card:hover { box-shadow: 0 8px 24px var(--shadow); transform: translateY(-3px); border-color: var(--accent-pale); }
.calc-card-icon { font-size: 1.75rem; margin-bottom: 1rem; display: block; }
.calc-card-title { font-family: 'DM Serif Display', serif; font-size: 1.15rem; color: var(--ink); margin-bottom: 0.5rem; }
.calc-card-desc { font-size: 0.88rem; color: var(--ink-mid); line-height: 1.5; margin-bottom: 1rem; }
.calc-card-tag { display: inline-block; font-size: 0.72rem; font-weight: 600; padding: 0.2rem 0.6rem; border-radius: 100px; letter-spacing: 0.05em; text-transform: uppercase; }
.tag-live { background: var(--green-light); color: var(--green); }
.tag-soon { background: var(--surface2); color: var(--ink-light); }

/* AD UNITS */
.ad-wrap { margin: 2rem 0; width: 100%; }
.ad-label { font-size: 0.65rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-light); text-align: center; margin-bottom: 4px; }
.ad-leaderboard { background: var(--surface2); border: 1px solid var(--border); border-radius: var(--radius-sm); min-height: 90px; display: flex; align-items: center; justify-content: center; text-align: center; color: var(--ink-light); font-size: 0.78rem; max-width: 728px; margin: 0 auto; }
.ad-rectangle { background: var(--surface2); border: 1px solid var(--border); border-radius: var(--radius-sm); min-height: 250px; min-width: 300px; display: flex; align-items: center; justify-content: center; text-align: center; color: var(--ink-light); font-size: 0.78rem; }

/* CALCULATOR PAGE LAYOUT */
.calc-layout { display: grid; grid-template-columns: 1fr 320px; gap: 2rem; max-width: 1060px; margin: 0 auto; padding: 3rem 2rem; align-items: start; }
.calc-sidebar { position: sticky; top: 80px; display: flex; flex-direction: column; gap: 1.5rem; }
.calc-back { display: inline-flex; align-items: center; gap: 0.4rem; color: var(--ink-mid); font-size: 0.88rem; cursor: pointer; margin-bottom: 2rem; border: none; background: none; font-family: 'DM Sans', sans-serif; transition: color 0.2s; text-decoration: none; }
.calc-back:hover { color: var(--accent); }
.calc-header { margin-bottom: 2.5rem; }
.calc-header h1 { font-family: 'DM Serif Display', serif; font-size: 2rem; color: var(--ink); margin-bottom: 0.5rem; letter-spacing: -0.02em; }
.calc-header p { color: var(--ink-mid); font-size: 0.95rem; }
.calc-tool { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 2rem; box-shadow: 0 4px 20px var(--shadow); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; margin-bottom: 1.25rem; }
.form-group { display: flex; flex-direction: column; gap: 0.4rem; }
label { font-size: 0.82rem; font-weight: 600; color: var(--ink-mid); letter-spacing: 0.03em; }
input[type="number"], select { width: 100%; padding: 0.75rem 1rem; border: 1.5px solid var(--border); border-radius: var(--radius-sm); background: var(--bg); color: var(--ink); font-family: 'DM Sans', sans-serif; font-size: 0.95rem; transition: border-color 0.2s, box-shadow 0.2s; -webkit-appearance: none; }
input:focus, select:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(196,98,45,0.1); }
.calc-actions { display: flex; gap: 0.75rem; margin-top: 1.75rem; }
.btn-calc { flex: 1; padding: 0.9rem; border: none; border-radius: var(--radius-sm); font-family: 'DM Sans', sans-serif; font-size: 0.95rem; font-weight: 600; cursor: pointer; transition: all 0.2s; }
.btn-calc-primary { background: var(--accent); color: white; box-shadow: 0 4px 14px rgba(196,98,45,0.25); }
.btn-calc-primary:hover { background: var(--accent-light); transform: translateY(-1px); }
.btn-calc-reset { background: var(--surface2); color: var(--ink-mid); border: 1px solid var(--border) !important; flex: 0 0 auto; padding-left: 1.25rem; padding-right: 1.25rem; }
.calc-result { margin-top: 1.75rem; padding: 1.5rem; background: linear-gradient(135deg, var(--accent-pale), #FDF0E8); border: 1px solid rgba(196,98,45,0.15); border-radius: var(--radius-sm); display: none; }
.calc-result.show { display: block; }
.result-label { font-size: 0.78rem; font-weight: 600; color: var(--accent); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 0.4rem; }
.result-value { font-family: 'DM Serif Display', serif; font-size: 2.5rem; color: var(--ink); margin-bottom: 0.25rem; }
.result-sub { font-size: 0.85rem; color: var(--ink-mid); }
.result-breakdown { margin-top: 1.25rem; padding-top: 1.25rem; border-top: 1px solid rgba(196,98,45,0.15); display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; }
.b-label { font-size: 0.78rem; color: var(--ink-light); margin-bottom: 0.1rem; }
.b-value { font-size: 1rem; font-weight: 600; color: var(--ink); }
.calc-explainer { margin-top: 2rem; padding: 1.5rem; background: var(--green-light); border-radius: var(--radius-sm); border: 1px solid rgba(61,107,79,0.15); }
.calc-explainer h4 { font-family: 'DM Serif Display', serif; font-size: 1.05rem; color: var(--green); margin-bottom: 0.5rem; }
.calc-explainer p { font-size: 0.88rem; color: var(--ink-mid); line-height: 1.6; }

/* AFFILIATE BOXES */
.affiliate-box { background: linear-gradient(135deg, var(--surface) 0%, var(--accent-pale) 100%); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.5rem; margin: 1.5rem 0; }
.affiliate-box-label { font-size: 0.68rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink-light); margin-bottom: 0.75rem; }
.affiliate-box h4 { font-family: 'DM Serif Display', serif; font-size: 1.05rem; color: var(--ink); margin-bottom: 0.4rem; }
.affiliate-box p { font-size: 0.85rem; color: var(--ink-mid); margin-bottom: 1rem; line-height: 1.5; }
.affiliate-links { display: flex; flex-direction: column; gap: 0.5rem; }
.affiliate-link { display: flex; align-items: center; justify-content: space-between; padding: 0.65rem 1rem; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-sm); text-decoration: none; font-size: 0.88rem; font-weight: 500; color: var(--ink); transition: all 0.2s; }
.affiliate-link:hover { border-color: var(--accent); color: var(--accent); transform: translateX(3px); }
.aff-arrow { font-size: 0.75rem; color: var(--ink-light); }
.affiliate-box-dark { background: linear-gradient(135deg, #1a1f3a 0%, #2a3560 100%); border-color: #3d4f8a; }
.affiliate-box-dark .affiliate-box-label { color: rgba(255,255,255,0.5); }
.affiliate-box-dark h4 { color: white; }
.affiliate-box-dark p { color: rgba(255,255,255,0.7); }
.affiliate-link-dark { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.2); color: white; }
.affiliate-link-dark .aff-arrow { color: rgba(255,255,255,0.5); }

/* NEWSLETTER */
.newsletter { background: linear-gradient(135deg, var(--ink) 0%, #3D2A1A 100%); padding: 5rem 2rem; text-align: center; }
.newsletter h2 { font-family: 'DM Serif Display', serif; font-size: 2rem; color: white; margin-bottom: 0.75rem; }
.newsletter p { color: rgba(255,255,255,0.65); margin-bottom: 2rem; font-size: 0.95rem; }
.newsletter-form { display: flex; gap: 0.75rem; max-width: 420px; margin: 0 auto; }
.newsletter-form input { flex: 1; padding: 0.85rem 1.25rem; border-radius: 100px; border: none; background: rgba(255,255,255,0.12); color: white; font-family: 'DM Sans', sans-serif; font-size: 0.9rem; }
.newsletter-form input::placeholder { color: rgba(255,255,255,0.4); }
.newsletter-form input:focus { outline: none; background: rgba(255,255,255,0.18); }
.newsletter-form button { background: var(--accent); color: white; border: none; padding: 0.85rem 1.5rem; border-radius: 100px; font-family: 'DM Sans', sans-serif; font-weight: 600; font-size: 0.9rem; cursor: pointer; white-space: nowrap; transition: background 0.2s; }
.newsletter-form button:hover { background: var(--accent-light); }

/* FOOTER */
footer { background: var(--surface); border-top: 1px solid var(--border); padding: 2.5rem 2rem; text-align: center; }
.footer-links { display: flex; gap: 1.5rem; justify-content: center; list-style: none; margin-bottom: 1rem; flex-wrap: wrap; }
.footer-links a { color: var(--ink-mid); text-decoration: none; font-size: 0.85rem; transition: color 0.2s; }
.footer-links a:hover { color: var(--accent); }
.footer-copy { font-size: 0.78rem; color: var(--ink-light); }

/* TRUST BAR */
.trust-bar { background: var(--surface2); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 1.25rem 2rem; display: flex; align-items: center; justify-content: center; gap: 3rem; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 0.5rem; font-size: 0.85rem; color: var(--ink-mid); font-weight: 500; }
.trust-item .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--green); }

/* ABOUT */
.about-hero { background: linear-gradient(135deg, var(--surface2) 0%, var(--accent-pale) 100%); padding: 5rem 2rem; text-align: center; }
.hero-eyebrow { display: inline-block; background: var(--green-light); color: var(--green); font-size: 0.75rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; padding: 0.35rem 0.85rem; border-radius: 100px; margin-bottom: 1.25rem; }
.about-body { max-width: 680px; margin: 0 auto; padding: 4rem 2rem; }
.about-body p { color: var(--ink-mid); margin-bottom: 1.25rem; font-size: 1rem; line-height: 1.75; }
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; margin-top: 2.5rem; }
.value-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 1.5rem; text-align: center; }
.value-icon { font-size: 2rem; margin-bottom: 0.75rem; }
.value-title { font-family: 'DM Serif Display', serif; font-size: 1rem; color: var(--ink); margin-bottom: 0.4rem; }
.value-desc { font-size: 0.83rem; color: var(--ink-mid); }

/* LEGAL PAGES */
.legal-body { max-width: 780px; margin: 0 auto; padding: 4rem 2rem; }
.legal-body p { color: var(--ink-mid); margin-bottom: 1.25rem; font-size: 1rem; line-height: 1.75; }
.legal-body h3 { font-family: 'DM Serif Display', serif; font-size: 1.2rem; color: var(--ink); margin: 2rem 0 0.5rem; }
.legal-body a { color: var(--accent); }
.opt-out-box { margin-top: 2.5rem; padding: 1.5rem; background: var(--green-light); border: 1px solid rgba(61,107,79,0.2); border-radius: var(--radius-sm); }
.opt-out-box h4 { font-family: 'DM Serif Display', serif; font-size: 1rem; color: var(--green); margin-bottom: 0.4rem; }
.opt-out-box p { font-size: 0.88rem; color: var(--ink-mid); margin-bottom: 0.75rem; }

/* LEDGER */
.ledger-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 1.5rem; }
.article-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; transition: all 0.2s; box-shadow: 0 2px 8px var(--shadow); }
.article-card:hover { transform: translateY(-3px); box-shadow: 0 8px 24px var(--shadow); }
.article-thumb { height: 140px; display: flex; align-items: center; justify-content: center; font-size: 3rem; }
.article-thumb.a1 { background: linear-gradient(135deg, #FAE8DC, #F5D5C0); }
.article-thumb.a2 { background: linear-gradient(135deg, #EBF3EE, #D5E8DC); }
.article-thumb.a3 { background: linear-gradient(135deg, #FDF0E0, #F5E8D0); }
.article-body { padding: 1.25rem; }
.article-tag { font-size: 0.7rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--accent); margin-bottom: 0.5rem; }
.article-title { font-family: 'DM Serif Display', serif; font-size: 1.1rem; color: var(--ink); margin-bottom: 0.5rem; line-height: 1.3; }
.article-excerpt { font-size: 0.85rem; color: var(--ink-mid); line-height: 1.5; }

/* RESPONSIVE */
@media (max-width: 900px) { .calc-layout { grid-template-columns: 1fr; } .calc-sidebar { position: static; } }
@media (max-width: 768px) { .nav-links { display: none; } .trust-bar { gap: 1.25rem; } .form-row { grid-template-columns: 1fr; } .values-grid { grid-template-columns: 1fr; } .newsletter-form { flex-direction: column; } }