:root {
  --maroon: #6b2737;
  --maroon-dark: #4a1b27;
  --gold: #e8a33d;
  --gold-dark: #c78423;
  --cream: #fbf6ee;
  --card-bg: #ffffff;
  --text: #2b2118;
  --text-muted: #7a6a5c;
  --border: #ece2d3;
  --radius: 14px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "Segoe UI", system-ui, Arial, sans-serif;
  color: var(--text);
  background: var(--cream);
  line-height: 1.6;
}

h1, h2, h3 {
  font-family: Georgia, "Times New Roman", serif;
  color: var(--maroon-dark);
  margin-top: 0;
}

.container {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 20px;
}

/* Header */
.site-header {
  background: var(--cream);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 10;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  row-gap: 10px;
  padding: 16px 20px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.brand-mark { width: 34px; height: 34px; flex-shrink: 0; }
.brand-text {
  font-family: Georgia, serif;
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--maroon-dark);
}
.brand-text.small { font-size: 1.1rem; color: #fff; }
.main-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 22px;
}
.main-nav a {
  color: var(--text-muted);
  text-decoration: none;
  white-space: nowrap;
  font-size: 0.95rem;
  font-weight: 600;
}
.main-nav a:hover { color: var(--maroon); }

@media (max-width: 640px) {
  .main-nav { width: 100%; justify-content: flex-start; }
}

/* Hero */
.hero { padding: 56px 0 36px; }
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--gold-dark);
  margin: 0 0 10px;
}
.hero h1 {
  font-size: 2.4rem;
  margin-bottom: 14px;
  max-width: 640px;
}
.hero p { color: var(--text-muted); max-width: 560px; font-size: 1.05rem; }

/* Cards */
.card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: 0 6px 20px rgba(107, 39, 55, 0.06);
}

/* Calculator */
.calculator-section { padding: 10px 0 50px; }

.salary-entry {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 24px;
}
.field { flex: 2; min-width: 240px; }
.field-narrow { flex: 1; min-width: 160px; }
.field label {
  display: block;
  font-weight: 700;
  margin-bottom: 6px;
  font-size: 0.88rem;
  color: var(--maroon-dark);
}
.field select,
.field input {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid var(--border);
  border-radius: 10px;
  font-size: 1rem;
  background: #fff;
  color: var(--text);
}
.field select:focus,
.field input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(232, 163, 61, 0.2);
}

.link-button {
  display: inline-block;
  background: none;
  border: none;
  color: var(--maroon);
  font-weight: 700;
  font-size: 0.92rem;
  padding: 0 0 20px;
  cursor: pointer;
  text-decoration: underline;
}
.link-button:hover { color: var(--gold-dark); }

.breakdown-panel { margin-bottom: 24px; }
.breakdown-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px 20px;
  margin-bottom: 16px;
}
.breakdown-grid .field label {
  min-height: 2.6em;
  line-height: 1.3;
}
.amount-with-freq {
  display: flex;
  gap: 8px;
}
.amount-with-freq input { flex: 1; min-width: 90px; }
.freq-select {
  flex: 1.3;
  min-width: 150px;
  padding: 13px 6px;
  border: 1px solid var(--border);
  border-radius: 10px;
  font-size: 0.8rem;
  background: #fff;
  color: var(--text);
}

@media (min-width: 640px) {
  .breakdown-grid { grid-template-columns: 1fr 1fr; }
}
.freq-select:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(232, 163, 61, 0.2);
}
.checkbox-field {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--maroon-dark);
  margin-bottom: 14px;
}
.checkbox-field input { width: 18px; height: 18px; accent-color: var(--maroon); }
.breakdown-note {
  color: var(--text-muted);
  font-size: 0.86rem;
  background: #fbf8f2;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px;
  margin-bottom: 14px;
}
.breakdown-summary {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--maroon-dark);
  background: rgba(232, 163, 61, 0.12);
  border: 1px solid var(--gold);
  border-radius: 10px;
  padding: 12px 14px;
}

.calculator-grid {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 20px;
}

.donut-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
}
.donut { width: 150px; height: 150px; }
.donut-track { fill: none; stroke: #f1e6d6; stroke-width: 12; }
.donut-arc {
  fill: none;
  stroke: var(--maroon);
  stroke-width: 12;
  stroke-linecap: round;
  transition: stroke-dasharray 0.3s ease;
}
.donut-label {
  margin-top: -95px;
  display: flex;
  flex-direction: column;
}
.donut-label span#donut-pct {
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--maroon-dark);
}
.donut-caption { font-size: 0.78rem; color: var(--text-muted); }
.donut-legend {
  margin-top: 14px;
  display: flex;
  gap: 16px;
  font-size: 0.85rem;
  color: var(--text-muted);
}
.dot {
  display: inline-block;
  width: 9px; height: 9px;
  border-radius: 50%;
  margin-right: 6px;
}
.dot-tax { background: var(--maroon); }
.dot-net { background: #f1e6d6; }

.result-group {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.result-box {
  background: #fbf8f2;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px;
  text-align: center;
}
.result-box.highlight {
  background: rgba(232, 163, 61, 0.12);
  border-color: var(--gold);
}
.result-label {
  display: block;
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-bottom: 6px;
}
.result-value {
  display: block;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--maroon-dark);
}
.highlight .result-value { color: var(--gold-dark); }

/* Compare section */
.compare-section { padding: 20px 0 50px; }
.section-subtitle { color: var(--text-muted); margin-bottom: 24px; }
.compare-selectors {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 20px;
}
.compare-selectors .field { flex: 1; min-width: 200px; }

.compare-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-bottom: 18px;
}
.compare-col {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.compare-year-label {
  font-weight: 700;
  color: var(--maroon-dark);
  font-size: 1.05rem;
  margin-bottom: 8px;
}
.compare-value {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--maroon-dark);
  margin-bottom: 10px;
}
.compare-value.muted { font-size: 1.05rem; color: var(--text-muted); font-weight: 600; }

.compare-delta {
  background: rgba(107, 39, 55, 0.06);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 16px 20px;
  font-weight: 600;
  color: var(--maroon-dark);
}

/* Save section */
.save-section { padding: 10px 0 50px; }
.save-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
  margin-bottom: 20px;
}
.save-card h3 {
  font-size: 1.1rem;
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.section-tag {
  font-family: "Segoe UI", system-ui, sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--maroon);
  background: rgba(107, 39, 55, 0.08);
  border: 1px solid var(--maroon);
  border-radius: 999px;
  padding: 2px 8px;
}
.save-card .checkbox-field-inline {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-weight: 500;
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-bottom: 14px;
  cursor: pointer;
}
.save-card .checkbox-field-inline input {
  width: 16px;
  height: 16px;
  margin: 2px 0 0;
  flex-shrink: 0;
  accent-color: var(--maroon);
}
.save-hint { color: var(--text-muted); font-size: 0.88rem; margin-bottom: 14px; }
.save-card label {
  display: block;
  font-weight: 700;
  font-size: 0.85rem;
  margin-bottom: 6px;
  color: var(--maroon-dark);
}
.save-card input {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 10px;
  font-size: 1rem;
  margin-bottom: 14px;
}
.save-card input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(232, 163, 61, 0.2);
}
.cap-info {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
  background: #fbf8f2;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 10px;
}
.cap-info strong { color: var(--maroon-dark); font-size: 0.95rem; white-space: nowrap; }

.working-box {
  border: 1px dashed var(--border);
  border-radius: 8px;
  padding: 10px 14px;
  margin-bottom: 10px;
}
.working-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
  font-size: 0.83rem;
  color: var(--text-muted);
  padding: 3px 0;
}
.working-row strong { color: var(--maroon-dark); font-weight: 700; white-space: nowrap; }
.working-formula {
  justify-content: flex-start;
  font-style: italic;
  font-size: 0.78rem;
  color: var(--text-muted);
  border-top: 1px dashed var(--border);
  margin-top: 4px;
  padding-top: 6px;
}

.liability-breakdown {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 22px;
  margin-bottom: 16px;
}
.liability-breakdown h3 { font-size: 1rem; margin-bottom: 12px; }
.liability-breakdown .working-row {
  font-size: 0.92rem;
  padding: 7px 0;
  border-bottom: 1px solid var(--border);
}
.liability-breakdown .working-row.total {
  border-bottom: none;
  border-top: 2px solid var(--gold);
  margin-top: 4px;
  padding-top: 12px;
  font-weight: 700;
}
.liability-breakdown .working-row.total span { color: var(--maroon-dark); font-size: 1rem; }
.liability-breakdown .working-row.total strong { color: var(--gold-dark); font-size: 1.2rem; }

.save-result {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: rgba(232, 163, 61, 0.1);
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 0.9rem;
}
.save-result strong { color: var(--gold-dark); font-size: 1.05rem; }

.save-summary {
  background: var(--maroon);
  color: #fdf3e7;
  border-radius: 10px;
  padding: 16px 20px;
  font-weight: 600;
}

.info-disclosure {
  margin-top: 20px;
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px 22px;
}
.info-disclosure summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--maroon-dark);
  font-size: 1rem;
  list-style: none;
}
.info-disclosure summary::-webkit-details-marker { display: none; }
.info-disclosure summary::before {
  content: "+ ";
  color: var(--gold-dark);
  font-weight: 700;
}
.info-disclosure[open] summary::before { content: "\2212 "; }
.info-disclosure[open] summary { margin-bottom: 14px; }
.info-disclosure-body {
  color: var(--text-muted);
  font-size: 0.92rem;
  line-height: 1.65;
}
.info-disclosure-body p { margin: 0 0 12px; }
.info-disclosure-body ul { margin: 0 0 12px; padding-left: 20px; }
.info-disclosure-body li { margin-bottom: 6px; }
.info-disclosure-body strong { color: var(--maroon-dark); }
.formula {
  font-family: Georgia, serif;
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--maroon-dark);
  background: rgba(232, 163, 61, 0.12);
  border: 1px solid var(--gold);
  border-radius: 8px;
  padding: 10px 14px;
  display: inline-block;
}
.disclosure-disclaimer {
  font-size: 0.82rem;
  font-style: italic;
  border-top: 1px solid var(--border);
  padding-top: 12px;
  margin-top: 4px !important;
}

/* Why section */
.why-section { padding: 10px 0 60px; }
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}
.why-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
}
.why-card h3 { font-size: 1.05rem; margin-bottom: 8px; }
.why-card p { color: var(--text-muted); font-size: 0.92rem; margin: 0; }

/* Footer */
.site-footer { background: var(--maroon-dark); color: #e8d9c9; padding: 40px 0 16px; }
.footer-inner {
  display: flex;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
  padding-bottom: 20px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.site-footer a { color: var(--gold); text-decoration: none; }
.site-footer p { margin: 6px 0 0; font-size: 0.9rem; }
.footer-bottom { padding-top: 16px; font-size: 0.82rem; color: #c9b7a5; }

@media (max-width: 720px) {
  .calculator-grid { grid-template-columns: 1fr; }
  .compare-grid { grid-template-columns: 1fr; }
  .result-group { grid-template-columns: 1fr 1fr; }
  .hero h1 { font-size: 1.8rem; }
  .main-nav a { margin-left: 14px; font-size: 0.85rem; }
}