:root {
  --navy: #0a2540;
  --navy-deep: #051c3b;
  --teal: #00C9A7;
  --teal-dark: #00a589;
  --bg: #f6f9fc;
  --card: #ffffff;
  --text: #1e293b;
  --muted: #64748b;
  --border: #e2e8f0;
  --shadow: 0 1px 3px rgba(10, 37, 64, 0.04), 0 8px 24px rgba(10, 37, 64, 0.06);
  --radius: 14px;
  --red: #ef4444;
  --green: #10b981;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'PingFang SC', 'Hiragino Sans GB', sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* Header */
.site-header {
  background: var(--navy);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 10;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.logo {
  font-weight: 800;
  font-size: 20px;
  letter-spacing: 1px;
  color: #fff;
  text-decoration: none;
}
.logo span { color: var(--teal); }
.nav-links { display: flex; gap: 28px; }
.nav-links a {
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  font-size: 15px;
  font-weight: 500;
  transition: color .2s;
}
.nav-links a:hover { color: var(--teal); }

.btn {
  display: inline-block;
  padding: 12px 22px;
  border-radius: 999px;
  font-weight: 600;
  text-decoration: none;
  transition: all .2s;
  border: none;
  cursor: pointer;
  font-size: 15px;
}
.btn-primary { background: var(--teal); color: var(--navy); }
.btn-primary:hover { background: var(--teal-dark); color: #fff; }
.btn-sm { padding: 9px 18px; font-size: 14px; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: #fff;
  padding: 72px 0 96px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  right: -120px; top: -120px;
  width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(0,201,167,0.18), transparent 70%);
  border-radius: 50%;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.eyebrow {
  display: inline-block;
  padding: 6px 14px;
  border: 1px solid rgba(0,201,167,0.4);
  color: var(--teal);
  border-radius: 999px;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 20px;
}
.hero h1 {
  font-size: 46px;
  line-height: 1.15;
  margin: 0 0 20px;
  font-weight: 800;
  letter-spacing: -0.5px;
}
.accent { color: var(--teal); }
.lead {
  font-size: 17px;
  color: rgba(255,255,255,0.78);
  max-width: 560px;
  margin: 0 0 36px;
}
.hero-stats { display: flex; gap: 40px; }
.hero-stats div { display: flex; flex-direction: column; }
.hero-stats strong { font-size: 32px; color: var(--teal); font-weight: 700; }
.hero-stats span { font-size: 13px; color: rgba(255,255,255,0.7); }

.hero-card {
  background: rgba(255,255,255,0.06);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 28px;
}
.hero-card-label {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--teal);
  margin-bottom: 16px;
}
.hero-card-row {
  display: flex;
  justify-content: space-between;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  font-size: 15px;
}
.hero-card-row span { color: rgba(255,255,255,0.75); }
.hero-card-row strong { color: #fff; font-weight: 600; }
.hero-card-diff {
  margin-top: 18px;
  padding: 12px 16px;
  background: rgba(239, 68, 68, 0.15);
  color: #fca5a5;
  border-radius: 8px;
  font-weight: 600;
  text-align: center;
}

/* Tab bar */
.tab-bar {
  display: flex;
  gap: 8px;
  margin: -40px auto 0;
  position: relative;
  z-index: 3;
  max-width: 1180px;
  padding: 0 24px;
}
.tab {
  background: rgba(255,255,255,0.6);
  border: 1px solid var(--border);
  padding: 14px 28px;
  border-radius: 12px 12px 0 0;
  font-size: 15px;
  font-weight: 600;
  color: var(--muted);
  cursor: pointer;
  transition: all .15s;
  font-family: inherit;
}
.tab:hover { color: var(--navy); }
.tab.active {
  background: var(--card);
  color: var(--navy);
  border-bottom-color: var(--card);
  box-shadow: 0 -2px 8px rgba(10,37,64,0.04);
}

.tab-pane { display: none; }
.tab-pane.active { display: block; }

/* Calc */
.calc-wrap { margin: 0 auto 80px; position: relative; z-index: 2; }
.calc-grid {
  display: grid;
  grid-template-columns: 0.95fr 1.15fr;
  gap: 24px;
}

.card {
  background: var(--card);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 28px;
}
.card h2 {
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--teal-dark);
  margin: 0 0 18px;
  font-weight: 700;
}
.card h3 {
  margin: 0 0 14px;
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
}
.mt-lg { margin-top: 28px !important; }

.field { margin-bottom: 16px; }
.field label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 7px;
}
.field small {
  display: block;
  color: var(--muted);
  font-size: 12px;
  margin-top: 5px;
  line-height: 1.5;
}
.field input, .field select {
  width: 100%;
  padding: 11px 13px;
  border: 1px solid var(--border);
  border-radius: 10px;
  font-size: 14px;
  font-family: inherit;
  background: #fff;
  transition: border-color .15s, box-shadow .15s;
  color: var(--text);
}
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(0,201,167,0.15);
}
.field input[type="range"] {
  padding: 0;
  height: 6px;
  background: var(--border);
  border-radius: 999px;
  -webkit-appearance: none;
}
.field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  background: var(--teal);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid #fff;
  box-shadow: 0 2px 6px rgba(0,201,167,0.4);
}
.val {
  float: right;
  color: var(--teal-dark);
  font-weight: 700;
}
.row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

/* Income input combo */
.income-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 10px;
}
.income-row input[type="number"] { flex: 1; }
.bracket-pill {
  display: inline-block;
  padding: 8px 14px;
  background: var(--navy);
  color: var(--teal);
  border-radius: 8px;
  font-size: 13px;
  font-weight: 700;
  white-space: nowrap;
}

/* Affects tag inline in helper text */
.affects-tag {
  display: inline-block;
  background: rgba(0,201,167,0.12);
  color: var(--teal-dark);
  padding: 2px 8px;
  border-radius: 4px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-right: 6px;
}

/* Loss banner */
.loss-banner {
  background: linear-gradient(90deg, rgba(239,68,68,0.08), rgba(239,68,68,0.02));
  border-left: 4px solid var(--red);
  padding: 16px 20px;
  font-size: 14px;
  color: var(--text);
}
.loss-banner strong {
  color: var(--red);
  margin-right: 6px;
}

/* 30% floor banner */
.floor-banner {
  background: linear-gradient(90deg, rgba(245,158,11,0.10), rgba(245,158,11,0.02));
  border-left: 4px solid #f59e0b;
  padding: 16px 20px;
  font-size: 14px;
  color: var(--text);
  line-height: 1.6;
}
.floor-banner strong {
  color: #b45309;
  margin-right: 6px;
}
.floor-banner.headsup {
  background: linear-gradient(90deg, rgba(100,116,139,0.08), rgba(100,116,139,0.02));
  border-left-color: var(--muted);
}
.floor-banner.headsup strong { color: var(--muted); }

/* Implied growth readout */
.implied-growth {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  background: rgba(0,201,167,0.08);
  border-radius: 8px;
  margin: 4px 0 16px;
  font-size: 13px;
}
.implied-growth span { color: var(--muted); font-weight: 600; }
.implied-growth strong { color: var(--teal-dark); font-weight: 800; font-size: 15px; }
.implied-growth em { font-style: normal; color: var(--muted); font-size: 11.5px; margin-left: auto; }

/* Bracket pill warning state */
.bracket-pill.warn {
  background: #b45309;
  color: #fff;
}

/* Bracket-choice button group (segmented control) */
.bracket-choice {
  display: flex;
  gap: 0;
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
  margin-top: 4px;
}
.bracket-choice button {
  flex: 1;
  background: #fff;
  border: none;
  border-right: 1px solid var(--border);
  padding: 11px 0;
  font-size: 14px;
  font-weight: 600;
  font-family: inherit;
  color: var(--muted);
  cursor: pointer;
  transition: all .15s;
}
.bracket-choice button:last-child { border-right: none; }
.bracket-choice button:hover {
  background: rgba(0,201,167,0.05);
  color: var(--navy);
}
.bracket-choice button.active {
  background: var(--navy);
  color: var(--teal);
}
.bracket-choice button.disabled,
.bracket-choice button:disabled {
  background: #f1f5f9;
  color: #cbd5e1;
  cursor: not-allowed;
  text-decoration: line-through;
}
.bracket-choice button.disabled:hover,
.bracket-choice button:disabled:hover {
  background: #f1f5f9;
  color: #cbd5e1;
}

#ngSaleFloorHint {
  display: inline-block;
  background: rgba(245,158,11,0.12);
  color: #b45309;
  padding: 2px 8px;
  border-radius: 4px;
  font-size: 11px;
  font-weight: 700;
  margin-right: 6px;
}

/* NG hint block */
.hint-block {
  background: rgba(0,201,167,0.06);
  border-left: 3px solid var(--teal);
  padding: 12px 16px;
  font-size: 13px;
  color: var(--text);
  margin: 0 0 20px;
  border-radius: 6px;
  line-height: 1.7;
}
.hint-block strong { color: var(--navy); }

/* Breakeven row */
.breakeven {
  display: flex;
  align-items: baseline;
  gap: 10px;
  padding: 14px 16px;
  background: rgba(10,37,64,0.04);
  border-radius: 8px;
}
.breakeven span { color: var(--muted); font-size: 14px; }
.breakeven strong {
  font-size: 26px;
  font-weight: 800;
  color: var(--teal-dark);
}
.breakeven em {
  font-style: normal;
  color: var(--muted);
  font-size: 12.5px;
  margin-left: auto;
}

/* NG sensitivity table */
.ng-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  margin-top: 4px;
}
.ng-table th {
  text-align: left;
  font-weight: 600;
  color: var(--muted);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  padding: 8px 10px;
  border-bottom: 1px solid var(--border);
}
.ng-table td {
  padding: 10px;
  border-bottom: 1px solid var(--border);
}
.ng-table tr.win-new { background: rgba(0,201,167,0.06); }
.ng-table tr.win-old { background: rgba(239,68,68,0.04); }
.ng-table tr.is-current {
  outline: 2px solid var(--teal);
  outline-offset: -2px;
}
.ng-table tr.win-new td:last-child strong { color: var(--teal-dark); }
.ng-table tr.win-old td:last-child strong { color: var(--red); }

.radio-group { display: flex; flex-direction: column; gap: 8px; margin-top: 4px; }
.radio {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 10px;
  cursor: pointer;
  transition: all .15s;
}
.radio:has(input:checked) {
  border-color: var(--teal);
  background: rgba(0,201,167,0.05);
}
.radio input { width: auto; margin-top: 3px; accent-color: var(--teal); }
.radio span { font-size: 14px; font-weight: 600; color: var(--navy); }
.radio em {
  display: block;
  font-style: normal;
  font-weight: 400;
  font-size: 12px;
  color: var(--muted);
  margin-top: 2px;
}

/* Results */
.results { display: flex; flex-direction: column; gap: 18px; }

/* Summary card */
.summary-card { padding: 24px; }
.summary-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.summary-grid.two { grid-template-columns: 1fr 1fr; }
.sum { display: flex; flex-direction: column; gap: 4px; }
.sum-label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--muted);
  font-weight: 600;
}
.sum strong {
  font-size: 22px;
  font-weight: 800;
  color: var(--navy);
}
.sum em {
  font-style: normal;
  font-size: 11px;
  color: var(--muted);
  line-height: 1.45;
  margin-top: 2px;
}

/* Difference card */
.diff-card {
  background: var(--navy);
  color: #fff;
  text-align: center;
  padding: 24px;
}
.diff-label {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--teal);
  margin-bottom: 10px;
  font-weight: 600;
}
.diff-value {
  font-size: 36px;
  font-weight: 800;
  margin-bottom: 6px;
}
.diff-hint {
  color: rgba(255,255,255,0.7);
  font-size: 13px;
}
.diff-value.positive { color: #fca5a5; }
.diff-value.negative { color: var(--teal); }

/* Dual comparison */
.dual { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.result-card { padding: 22px 24px; }
.result-head {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
}
.result-head h3 { margin: 0; font-size: 15px; }
.tag {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 4px 9px;
  border-radius: 6px;
  white-space: nowrap;
}
.tag-blue { background: rgba(10, 37, 64, 0.08); color: var(--navy); }
.tag-teal { background: rgba(0, 201, 167, 0.12); color: var(--teal-dark); }

.result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-top: 1px dashed var(--border);
  font-size: 13px;
}
.result-row:first-of-type { border-top: none; }
.result-row span:first-child { color: var(--muted); }
.result-row.big {
  background: linear-gradient(90deg, rgba(0,201,167,0.06), transparent);
  margin: 0 -24px 6px;
  padding: 14px 24px;
  border: none;
  border-radius: 8px;
}
.result-row.big span:first-child {
  color: var(--navy);
  font-weight: 600;
  font-size: 14px;
}
.result-row.big strong {
  font-size: 22px;
  color: var(--navy);
  font-weight: 800;
}

/* Breakdown card */
.breakdown-card { padding: 24px 26px; }
.bd-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding: 11px 0;
  border-top: 1px dashed var(--border);
  font-size: 13.5px;
  gap: 16px;
}
.bd-row:first-of-type { border-top: none; }
.bd-row span { color: var(--text); display: flex; flex-direction: column; }
.bd-row em {
  font-style: normal;
  font-size: 11.5px;
  color: var(--muted);
  margin-top: 2px;
}
.bd-row strong { font-weight: 700; color: var(--navy); white-space: nowrap; }
.bd-row.total {
  background: rgba(10,37,64,0.04);
  margin: 6px -26px;
  padding: 12px 26px;
  border-radius: 6px;
}
.bd-row.total strong { color: var(--teal-dark); font-size: 15px; }
.bd-divider {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: var(--teal-dark);
  font-weight: 700;
  margin: 18px 0 6px;
  padding-bottom: 6px;
  border-bottom: 1px solid var(--border);
}

/* Stacking card */
.stacking-card { padding: 24px 26px; }
.stacking-card .muted { color: var(--muted); font-size: 13px; margin: 0 0 16px; }
.stack-meta {
  display: flex;
  gap: 22px;
  flex-wrap: wrap;
  margin-bottom: 14px;
  font-size: 13px;
  color: var(--muted);
}
.stack-meta strong { color: var(--navy); font-weight: 700; }

.bracket-bar {
  display: flex;
  height: 44px;
  border-radius: 8px;
  overflow: hidden;
  margin-bottom: 14px;
  background: var(--border);
}
.bracket-seg {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 600;
  color: #fff;
  overflow: hidden;
  min-width: 0;
}
.bracket-seg .seg-label { white-space: nowrap; padding: 0 6px; opacity: 0.92; }
.bracket-seg .seg-gain {
  position: absolute;
  top: 0; bottom: 0; right: 0;
  background: rgba(255,255,255,0.35);
  border-left: 2px solid #fff;
}

.bracket-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  margin-top: 4px;
}
.bracket-table th {
  text-align: left;
  font-weight: 600;
  color: var(--muted);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  padding: 8px 10px;
  border-bottom: 1px solid var(--border);
}
.bracket-table td {
  padding: 9px 10px;
  border-bottom: 1px solid var(--border);
}
.bracket-table tfoot td {
  font-weight: 700;
  color: var(--navy);
  background: rgba(10,37,64,0.04);
}
.bracket-table .rate-pill {
  display: inline-block;
  padding: 2px 8px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 12px;
  background: rgba(10,37,64,0.08);
  color: var(--navy);
}

/* Notes / NG explainer */
.notes { padding: 24px 28px; }
.notes h3 { margin: 0 0 12px; font-size: 16px; }
.ng-explain {
  margin: 0 0 12px;
  font-size: 14px;
  color: var(--text);
  background: rgba(0,201,167,0.06);
  padding: 14px 16px;
  border-left: 3px solid var(--teal);
  border-radius: 6px;
}
.muted.small { font-size: 12px; color: var(--muted); margin: 0; line-height: 1.65; }

/* Section title */
.section-title {
  text-align: center;
  font-size: 32px;
  font-weight: 800;
  color: var(--navy);
  margin: 64px 0 32px;
  letter-spacing: -0.3px;
}

/* What's changing */
.changes-wrap { padding-bottom: 40px; }
.changes-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.change-card { padding: 28px 22px; }
.change-card.secondary {
  background: var(--navy);
  color: #fff;
}
.change-card.secondary h4, .change-card.secondary p { color: #fff; }
.change-card.secondary p { color: rgba(255,255,255,0.75); }
.change-icon {
  font-size: 32px;
  margin-bottom: 10px;
}
.change-card h4 {
  margin: 0 0 8px;
  font-size: 16px;
  color: var(--navy);
  font-weight: 700;
}
.change-card p {
  font-size: 13.5px;
  color: var(--muted);
  margin: 0;
  line-height: 1.6;
}

/* FAQ */
.faq-wrap { padding-bottom: 80px; }
.faq-item {
  background: var(--card);
  border-radius: 12px;
  margin-bottom: 10px;
  padding: 18px 22px;
  box-shadow: var(--shadow);
  cursor: pointer;
}
.faq-item summary {
  font-weight: 600;
  color: var(--navy);
  font-size: 15px;
  outline: none;
  list-style: none;
  position: relative;
  padding-right: 30px;
}
.faq-item summary::after {
  content: '+';
  position: absolute;
  right: 4px; top: 50%;
  transform: translateY(-50%);
  font-size: 22px;
  color: var(--teal);
  font-weight: 400;
}
.faq-item[open] summary::after { content: '−'; }
.faq-item p {
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.65;
}

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.6);
  padding: 28px 0;
  font-size: 13px;
}
.site-footer .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

/* Responsive */
@media (max-width: 920px) {
  .hero { padding: 48px 0 80px; }
  .hero-inner { grid-template-columns: 1fr; gap: 32px; }
  .hero h1 { font-size: 34px; }
  .hero-stats { gap: 24px; flex-wrap: wrap; }
  .calc-grid { grid-template-columns: 1fr; }
  .dual { grid-template-columns: 1fr; }
  .summary-grid { grid-template-columns: 1fr 1fr; }
  .summary-grid.two { grid-template-columns: 1fr; }
  .changes-grid { grid-template-columns: 1fr 1fr; }
  .nav-links { display: none; }
  .site-footer .container { flex-direction: column; gap: 8px; }
}
@media (max-width: 560px) {
  .changes-grid { grid-template-columns: 1fr; }
  .summary-grid { grid-template-columns: 1fr; }
  .row-2 { grid-template-columns: 1fr; }
  .hero h1 { font-size: 28px; }
}