/* CalcMyFin — design system */
:root{
  --brand:#0f5c4d; --brand-2:#137a66; --brand-ink:#0b3f35; --brand-soft:#e5f2ee; --gold:#f2b441;
  --ink:#14231f; --muted:#5b6b66; --faint:#8a9893; --bg:#f6f7f4; --surface:#fff; --line:#e1e6e3; --line-2:#cfd8d4;
  --danger:#b2432f; --danger-soft:#fdf0ec; --ok:#1d7a4f;
  --c-home:#0e7490; --c-debt:#c2410c; --c-grow:#15803d; --c-plan:#4f46e5; --c-protect:#b45309;
  --radius:16px; --radius-sm:10px; --shadow:0 1px 2px rgba(20,35,31,.05),0 8px 28px rgba(20,35,31,.07);
  --max:1180px; --font:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --display:"Iowan Old Style","Palatino Linotype",Georgia,serif; color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.65 var(--font)}
img,svg{max-width:100%}
a{color:var(--brand);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--brand-ink)}
button,input,select{font:inherit;color:inherit}
button{cursor:pointer}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:6px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip-link{position:absolute;left:-9999px;top:0}.skip-link:focus{left:12px;top:12px;z-index:200;background:#fff;padding:10px 14px;border-radius:8px}
.icon{width:1.1em;height:1.1em;flex:none;vertical-align:-.15em}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav{max-width:var(--max);margin:0 auto;padding:0 20px;height:66px;display:flex;align-items:center;gap:20px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.22rem;letter-spacing:-.02em;margin-right:auto}
.brand b{color:var(--brand-2)}
.logo-mark{width:32px;height:32px}
.nav-menu{display:flex;align-items:center;gap:6px}
.nav-menu>a,.mega-btn{display:inline-flex;align-items:center;gap:4px;padding:8px 12px;border-radius:9px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;background:none;border:0}
.nav-menu>a:hover,.mega-btn:hover,.mega-btn[aria-expanded=true]{background:var(--brand-soft);color:var(--brand-ink)}
.chev{transition:transform .2s}.mega-btn[aria-expanded=true] .chev{transform:rotate(180deg)}
.has-mega{position:relative}
.mega{display:none;position:absolute;left:-20px;top:calc(100% + 10px);width:min(860px,92vw);background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 18px 50px rgba(20,35,31,.16);padding:22px;grid-template-columns:repeat(3,1fr);gap:8px 22px}
.has-mega.open .mega{display:grid}
.mega-title{display:flex;align-items:center;gap:8px;margin:0 0 6px;font-size:.78rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.mega ul{list-style:none;margin:0 0 12px;padding:0}.mega li a{display:block;padding:6px 8px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:500}
.mega li a:hover,.mega li a[aria-current=page]{background:var(--brand-soft);color:var(--brand-ink)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px}
.nav-toggle .icon{width:22px;height:22px}

/* ---------- common ---------- */
main{display:block}
.eyebrow{display:inline-flex;align-items:center;gap:7px;margin:0 0 10px;font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--brand-2)}
.lead{font-size:1.14rem;color:var(--muted);max-width:760px}
h1,h2,h3{letter-spacing:-.02em;line-height:1.2}
h1{font-size:clamp(2rem,4.4vw,3rem);margin:0 0 12px}
.trust-row{list-style:none;display:flex;flex-wrap:wrap;gap:8px 18px;padding:0;margin:14px 0 0;color:var(--muted);font-size:.9rem}
.trust-row li{display:flex;align-items:center;gap:6px}.trust-row .icon{color:var(--brand-2)}
.cat-home{--c:var(--c-home)}.cat-debt{--c:var(--c-debt)}.cat-grow{--c:var(--c-grow)}.cat-plan{--c:var(--c-plan)}.cat-protect{--c:var(--c-protect)}
.eyebrow[class*=cat-]{color:var(--c)}

/* ---------- home ---------- */
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(242,180,65,.28),transparent 60%),linear-gradient(135deg,#0b3f35 0%,#0f5c4d 55%,#137a66 100%);color:#fff}
.hero-inner{max-width:var(--max);margin:0 auto;padding:64px 20px 72px}
.hero .eyebrow{color:#a7f3d0}
.hero h1{font-family:var(--display);font-size:clamp(2.3rem,5.4vw,3.9rem);max-width:820px;line-height:1.06;letter-spacing:-.03em}
.hero .hl{background:linear-gradient(transparent 62%,rgba(242,180,65,.55) 62%);padding:0 .08em}
.hero .lead{color:#d6ece6;max-width:680px}
.search{position:relative;max-width:620px;margin-top:26px}
.search .icon{position:absolute;left:18px;top:50%;transform:translateY(-50%);color:var(--muted);width:20px;height:20px}
.search input{width:100%;height:58px;border:0;border-radius:14px;padding:0 18px 0 50px;font-size:1.05rem;box-shadow:0 12px 34px rgba(0,0,0,.22);color:var(--ink);background:#fff}
.search input:focus{outline:3px solid var(--gold)}
.trust-row.light{color:#cfe7e0}.trust-row.light .icon{color:var(--gold)}
.home>section:not(.hero),.home .no-results,.home>.ad-wrap{max-width:var(--max);margin-left:auto;margin-right:auto;padding-left:20px;padding-right:20px}
.popular{margin-top:-34px;position:relative}
.popular h2{color:#fff;font-size:1rem;letter-spacing:.06em;text-transform:uppercase;margin:0 0 12px;opacity:.9}
.cat-section{margin-top:52px}
.cat-head{display:flex;align-items:center;gap:14px;margin-bottom:16px}
.cat-head h2{margin:0;font-size:1.55rem}.cat-head p{margin:2px 0 0;color:var(--muted)}
.why{margin-top:64px}
.why h2,.home-faq h2{font-size:1.7rem}
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.why-grid>div{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.why-grid h3{margin:12px 0 6px}.why-grid p{margin:0;color:var(--muted)}
.why-icon{display:inline-flex;width:42px;height:42px;border-radius:12px;align-items:center;justify-content:center;background:var(--brand-soft);color:var(--brand)}
.home-faq{margin:56px auto 72px}
.no-results{color:var(--muted);font-weight:600}

/* ---------- tool cards ---------- */
.tool-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.tool-card{display:flex;align-items:center;gap:14px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-decoration:none;color:var(--ink);box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s,border-color .15s}
.tool-card:hover{transform:translateY(-2px);border-color:var(--line-2);box-shadow:0 14px 34px rgba(20,35,31,.12);color:var(--ink)}
.tool-text{display:flex;flex-direction:column;min-width:0}.tool-text span{color:var(--muted);font-size:.9rem;line-height:1.45}
.tool-text .tool-name{color:var(--ink);font-size:1.02rem;font-weight:700;line-height:1.35}
.tool-icon{display:inline-flex;align-items:center;justify-content:center;flex:none;width:44px;height:44px;border-radius:12px;color:var(--c);background:color-mix(in srgb,var(--c) 12%,#fff)}
.tool-icon .icon{width:22px;height:22px}
.tool-card .go{margin-left:auto;color:var(--faint);transition:transform .15s,color .15s}.tool-card:hover .go{color:var(--brand);transform:translateX(3px)}
.tool-card.feature{padding:20px}
.tool-grid.compact{grid-template-columns:repeat(3,minmax(0,1fr))}
.tool-card.compact{padding:14px;box-shadow:none}.tool-card.compact .tool-text span:not(.tool-name){display:none}
/* ---------- share links ---------- */
.share-links{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:0}
.share-links a{display:inline-block;border:1.5px solid var(--line-2);border-radius:999px;padding:6px 13px;font-size:.86rem;font-weight:600;color:var(--ink);text-decoration:none;background:#fff}
.share-links a:hover{border-color:var(--brand-2);color:var(--brand)}
.home-share{margin:0 auto 72px;text-align:center}.home-share h2{font-size:1.4rem;margin-bottom:4px}.home-share p{color:var(--muted);margin:0 0 14px}
.home-share .share-links{justify-content:center}
/* ---------- amortization schedule ---------- */
.schedule-card{margin-top:22px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px}
.schedule-card h2{font-size:1.15rem;margin:0 0 12px}
.schedule-wrap{overflow:auto;max-height:540px;-webkit-overflow-scrolling:touch}
.sched{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;font-size:.92rem}
.sched th,.sched td{padding:8px 10px;text-align:right;border-top:1px solid var(--line);white-space:nowrap}
.sched th:first-child,.sched td:first-child{text-align:left}
.sched thead th{position:sticky;top:0;background:#fff;color:var(--muted);font-weight:700;border-top:0;box-shadow:inset 0 -1px 0 var(--line)}
.sched tbody tr:nth-child(even){background:#fafbf9}

/* ---------- calculator page ---------- */
.page-top,.calc-shell,.calc-page>.ad-wrap,.partner,.content-layout,.static-page{max-width:var(--max);margin-left:auto;margin-right:auto;padding-left:20px;padding-right:20px}
.page-top{padding-top:22px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0 0 18px;font-size:.86rem;color:var(--muted)}
.crumbs li+li::before{content:"›";margin-right:6px;color:var(--faint)}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--brand);text-decoration:underline}
.page-intro{margin-bottom:26px}
.calculator-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);gap:22px;align-items:start}
.calc-card,.result-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px}
.calc-card h2,.result-card h2{font-size:1.15rem;margin:0 0 16px}
.result-card{position:sticky;top:86px;border-top:4px solid var(--brand)}
.field{margin-bottom:16px}
.field label{display:block;font-weight:650;font-size:.93rem;margin-bottom:6px}
.field small,.field-help{display:block;color:var(--muted);font-size:.84rem;margin-top:5px}
.input-wrap{display:flex;align-items:center;border:1.5px solid var(--line-2);border-radius:var(--radius-sm);background:#fff;transition:border-color .15s,box-shadow .15s}
.input-wrap:focus-within{border-color:var(--brand-2);box-shadow:0 0 0 4px rgba(19,122,102,.12)}
.input-wrap span{padding:0 12px;color:var(--muted);font-weight:600}
.input-wrap input{border:0;outline:0;width:100%;min-width:0;padding:12px 12px;background:transparent;font-size:1.02rem;font-variant-numeric:tabular-nums}
select,input[type=number],input[type=text]{width:100%;border:1.5px solid var(--line-2);border-radius:var(--radius-sm);padding:12px;background:#fff;font-size:1rem}
.input-wrap input[type=number]{border:0;padding:12px}
select:focus,input[type=text]:focus{outline:0;border-color:var(--brand-2);box-shadow:0 0 0 4px rgba(19,122,102,.12)}
input[type=number]{-moz-appearance:textfield}input::-webkit-outer-spin-button,input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.three{grid-template-columns:1fr 1fr 1fr}
.result-label{color:var(--muted);font-size:.9rem;font-weight:600}
.result-number{font-size:clamp(2.2rem,5vw,3.1rem);font-weight:800;letter-spacing:-.03em;line-height:1.05;margin:.25rem 0 1rem;color:var(--brand-ink);font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.stat-row,.breakdown-row{display:flex;justify-content:space-between;gap:16px;padding:9px 0;border-top:1px solid var(--line);font-variant-numeric:tabular-nums}
.stat-row span:first-child,.breakdown-row span:first-child{color:var(--muted)}
.breakdown{margin-top:10px}
.notice{background:var(--brand-soft);border:1px solid #cfe5dd;border-radius:var(--radius-sm);padding:12px 14px;color:#24544a;font-size:.9rem;margin:16px 0 0}
.notice:empty{display:none}
.error,.notice.error{background:var(--danger-soft);border:1px solid #f1cfc5;color:#7d2e20;border-radius:var(--radius-sm);padding:12px 14px;font-size:.9rem;margin:16px 0 0}
.disclaimer{font-size:.84rem;color:var(--muted);border-left:3px solid var(--gold);padding-left:12px;margin-top:22px}
.bar{height:26px;display:flex;border-radius:999px;overflow:hidden;background:#edf1ef;margin:18px 0}
.bar div{height:100%;transition:width .3s}
.needs{background:var(--brand)}.wants{background:#7fa99c}.savings{background:var(--gold)}
.progress{height:12px;border-radius:999px;background:#e8eeeb;overflow:hidden;margin:14px 0}.progress>div{height:100%;background:linear-gradient(90deg,var(--brand-2),#2bb58f);transition:width .3s}
.segmented{display:grid;grid-template-columns:1fr 1fr;border:1.5px solid var(--line-2);border-radius:var(--radius-sm);overflow:hidden;margin-bottom:18px}
.segmented button{border:0;background:#fff;padding:10px;color:var(--muted);font-weight:600}.segmented button.active{background:var(--brand);color:#fff}
.primary,.secondary,.remove{border-radius:var(--radius-sm);font-weight:700}
.primary{border:0;background:var(--brand);color:#fff;padding:12px 18px}
.secondary{border:1.5px solid var(--line-2);background:#fff;color:var(--ink);padding:9px 14px}.secondary:hover{border-color:var(--brand-2);color:var(--brand)}
.remove{border:1.5px solid #ecc9bf;background:#fff;color:var(--danger);padding:10px 12px}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px}
.debt-head,.debt-row{display:grid;grid-template-columns:1.3fr 1fr .8fr 1fr auto;gap:10px;align-items:end}
.debt-head{font-size:.78rem;color:var(--muted);font-weight:700;margin-bottom:6px}.debt-row{margin-bottom:12px}.debt-row .field{margin:0}
.method-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:6px}
.method{border:1.5px solid var(--line);border-radius:14px;padding:16px}.method h3{margin:0;font-size:1.05rem}.method strong{display:block;font-size:1.7rem;margin:4px 0;color:var(--brand-ink)}
.method.best{border-color:var(--brand-2);background:var(--brand-soft)}
.dynamic-row{display:grid;grid-template-columns:1.4fr 1fr auto;gap:12px;align-items:end;margin:10px 0}.dynamic-row .field{margin:0}
.pay-table{width:100%;border-collapse:collapse;margin-top:6px;font-variant-numeric:tabular-nums}
.pay-table td{padding:9px 0;border-top:1px solid var(--line)}.pay-table td:last-child{text-align:right;font-weight:700}
.pay-table tr.hl td{color:var(--brand-ink);font-weight:800}

/* charts */
.chart{margin-top:14px}
.chart svg{display:block;width:100%;height:auto}
.legend{display:flex;flex-wrap:wrap;gap:6px 14px;margin-top:8px;font-size:.82rem;color:var(--muted)}
.legend span{display:inline-flex;align-items:center;gap:6px}.legend i{width:10px;height:10px;border-radius:3px;display:inline-block}
.donut-wrap{display:flex;align-items:center;gap:18px}.donut-wrap svg{width:130px;flex:none}

/* actions under calculator */
.calc-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.ghost{display:inline-flex;align-items:center;gap:8px;border:1.5px solid var(--line-2);background:#fff;border-radius:999px;padding:8px 14px;font-weight:600;font-size:.9rem;color:var(--ink)}
.ghost:hover{border-color:var(--brand-2);color:var(--brand)}
.ghost.done{border-color:var(--ok);color:var(--ok)}

/* ---------- ads & partners ---------- */
.ad-wrap{display:none;margin:26px auto}
.ads-on .ad-wrap,.ads-preview .ad-wrap{display:block}
.ad{display:block;min-height:250px;text-align:center;overflow:hidden}
.ad-wide .ad{min-height:120px}
.ads-preview .ad{border:2px dashed #b8c6c0;border-radius:12px;background:repeating-linear-gradient(45deg,#fafbf9,#fafbf9 10px,#f3f6f4 10px,#f3f6f4 20px);display:flex;align-items:center;justify-content:center;color:#6b7c76;font:600 .8rem var(--font)}
.ads-preview .ad::after{content:"Ad slot: " attr(data-ad)}
.ad-label{display:block;font-size:.7rem;letter-spacing:.08em;text-transform:uppercase;color:var(--faint);margin-bottom:4px}
.sticky-ad{position:sticky;top:90px}.sticky-ad .ad{min-height:600px}
.partner-box{background:linear-gradient(135deg,#fff 0%,#fbf8ef 100%);border:1.5px solid #ecdcae;border-radius:var(--radius);padding:20px 22px;display:grid;gap:14px}
.partner-head{display:flex;justify-content:space-between;align-items:center;gap:10px}
.partner-head h2{font-size:1.1rem;margin:0}.sponsored{font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#8a6a1c;background:#f7ecd0;border-radius:999px;padding:3px 10px}
.offers{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:12px}
.offer{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;display:flex;flex-direction:column;gap:6px}
.offer strong{font-size:1rem}.offer p{margin:0;color:var(--muted);font-size:.9rem}
.offer .btn{margin-top:auto;align-self:flex-start;background:var(--brand);color:#fff;text-decoration:none;border-radius:10px;padding:9px 14px;font-weight:700;font-size:.9rem}
.offer .btn:hover{background:var(--brand-ink);color:#fff}
.partner-note{font-size:.78rem;color:var(--faint);margin:0}.partner-note a{color:inherit}
.partner{margin-top:18px}
.partner-hook{margin:-4px 0 0;font-size:1rem;font-weight:600;color:var(--brand-ink)}
.offer{position:relative}
.offer-badge{align-self:flex-start;font-size:.7rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:#fff;background:var(--brand-2);border-radius:999px;padding:2px 9px}
.offer-fine{color:var(--faint);font-size:.74rem;line-height:1.35}

/* ---------- article content ---------- */
.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px;margin-top:34px;margin-bottom:60px}
.prose{min-width:0}
.prose h2{font-size:1.5rem;margin:40px 0 12px;scroll-margin-top:90px}.prose h2:first-child{margin-top:0}
.prose p,.prose li{max-width:760px}
.prose.narrow{max-width:780px;margin:0 auto 70px}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;position:relative;padding:4px 0 10px 44px}
.steps li::before{content:counter(s);position:absolute;left:0;top:2px;width:30px;height:30px;border-radius:50%;background:var(--brand-soft);color:var(--brand);font-weight:800;display:flex;align-items:center;justify-content:center;font-size:.9rem}
.tips{padding-left:0;list-style:none}.tips li{position:relative;padding:4px 0 8px 28px}
.tips li::before{content:"";position:absolute;left:4px;top:.72em;width:10px;height:10px;border-radius:3px;background:var(--gold)}
.formula{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;background:#fff;border:1px solid var(--line);border-left:4px solid var(--brand-2);border-radius:10px;padding:14px 16px;overflow-x:auto;font-size:.98rem}
.formula-inline{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;background:#fff;border:1px solid var(--line);border-radius:6px;padding:1px 6px;white-space:nowrap}
.example{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:4px 20px;box-shadow:var(--shadow)}
.faqs{display:grid;gap:10px}
.faq{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 18px}
.faq summary{cursor:pointer;list-style:none;font-weight:700;padding:15px 28px 15px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;color:var(--brand-2);font-weight:400}
.faq[open] summary::after{content:"–"}
.faq>div{padding:0 0 14px;color:#33443f}
.sources{font-size:.92rem}
.sidebar{display:flex;flex-direction:column;gap:16px}
.side-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px}
.side-title{margin:0 0 8px;font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.toc,.side-links{list-style:none;margin:0;padding:0}.toc a,.side-links a{display:block;padding:5px 0;text-decoration:none;color:var(--ink);font-size:.94rem}
.toc a:hover,.side-links a:hover{color:var(--brand)}
.static-page{padding-top:26px}
.contact-email{font-size:1.3rem;font-weight:700}

/* ---------- footer ---------- */
.site-footer{background:#0d2a24;color:#bcd1ca;margin-top:40px}
.footer-inner{max-width:var(--max);margin:0 auto;padding:48px 20px 26px;display:grid;grid-template-columns:260px 1fr;gap:40px}
.site-footer .brand{color:#fff}.site-footer .brand b{color:#7fe0c4}
.foot-brand p{font-size:.9rem;margin:12px 0 0}
.foot-cols{display:grid;grid-template-columns:repeat(5,1fr);gap:20px}
.foot-title{color:#fff;font-weight:700;font-size:.9rem;margin:0 0 8px}
.foot-cols ul{list-style:none;margin:0;padding:0}.foot-cols a,.footer-legal a{color:#bcd1ca;text-decoration:none;font-size:.86rem;line-height:2}
.foot-cols a:hover,.footer-legal a:hover{color:#fff;text-decoration:underline}
.footer-legal{max-width:var(--max);margin:0 auto;padding:18px 20px 30px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.84rem}
.footer-legal p{margin:0}.footer-legal nav{display:flex;flex-wrap:wrap;gap:16px}
.site-footer+.ad-wrap{display:none}

/* ---------- consent banner ---------- */
.consent{position:fixed;left:16px;right:16px;bottom:16px;z-index:100;max-width:560px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 18px 50px rgba(20,35,31,.22);padding:18px 20px;font-size:.92rem}
.consent p{margin:0 0 12px;color:#33443f}.consent .btns{display:flex;gap:10px;flex-wrap:wrap}

/* ---------- responsive ---------- */
@media (max-width:1024px){
  .content-layout{grid-template-columns:1fr}.sidebar{display:none}
  .foot-cols{grid-template-columns:repeat(3,1fr)}.footer-inner{grid-template-columns:1fr}
  .tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:860px){
  .nav-toggle{display:inline-flex}
  .nav-menu{display:none;position:absolute;left:0;right:0;top:66px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 16px 18px;max-height:calc(100vh - 66px);overflow:auto}
  .nav-menu.open{display:flex}
  .has-mega{position:static}.mega{position:static;width:auto;box-shadow:none;border:0;padding:6px 0;grid-template-columns:1fr 1fr}
  .calculator-layout{grid-template-columns:1fr}.result-card{position:static}
  .why-grid{grid-template-columns:1fr}
}
@media (max-width:600px){
  .tool-grid,.tool-grid.compact{grid-template-columns:1fr}
  .row,.three,.method-grid{grid-template-columns:1fr}
  .calc-card,.result-card{padding:20px}
  .hero-inner{padding:44px 16px 64px}
  .page-top,.calc-shell,.calc-page>.ad-wrap,.partner,.content-layout,.static-page,.home>section:not(.hero){padding-left:16px;padding-right:16px}
  .debt-head{display:none}.debt-row{grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:12px;padding:12px}.debt-row .debt-name{grid-column:1/-1}
  .dynamic-row{grid-template-columns:1fr 1fr}.dynamic-row .field:first-child{grid-column:1/-1}
  .foot-cols{grid-template-columns:1fr 1fr}.mega{grid-template-columns:1fr}
  .donut-wrap{flex-direction:column;align-items:flex-start}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{
  .site-header,.site-footer,.ad-wrap,.partner,.calc-actions,.sidebar,.crumbs,.consent,.tool-grid,#related,#sources,.sources{display:none!important}
  body{background:#fff}.calc-card,.result-card{box-shadow:none;border:1px solid #ccc;break-inside:avoid}.result-card{position:static}
}