:root{
  --charcoal:#202124;
  --charcoal-2:#2b2d31;
  --red:#c72026;
  --red-dark:#9f171c;
  --paper:#f7f5f0;
  --white:#ffffff;
  --ink:#202124;
  --muted:#6c7077;
  --line:#dedfe2;
  --soft:#f2f3f4;
  --yellow:#f4d35e;
  --blue:#cfe9f7;
  --green:#e6f4ea;
  --shadow:0 10px 30px rgba(18,18,18,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Lato,Arial,Helvetica,sans-serif;
  color:var(--ink);
  background:#eceef0;
  font-size:14px;
  line-height:1.48;
}
button,input,select{font:inherit}
button{cursor:pointer}
a{color:inherit}
.header{
  background:var(--charcoal);
  color:#fff;
  border-top:4px solid var(--red);
  box-shadow:0 3px 12px rgba(0,0,0,.16);
}
.header-inner{
  max-width:1180px;
  margin:auto;
  min-height:84px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:18px;
  padding:14px 20px;
}
.brand-wrap{display:flex;align-items:center;gap:13px;min-width:0}
.brand-mark{
  width:48px;height:48px;border:2px solid #fff;border-radius:10px;
  display:grid;place-items:center;font-size:22px;font-weight:900;letter-spacing:-1px;
  background:linear-gradient(145deg,#2b2d31,#161719);
  box-shadow:inset 0 0 0 2px rgba(199,32,38,.65);
  flex:0 0 auto;
}
.brand-text{min-width:0}
.brand-name{font-size:23px;font-weight:900;letter-spacing:.2px;line-height:1.05}
.brand-sub{font-size:11px;color:#d1d3d6;margin-top:5px}
.header-contact{text-align:right;font-size:12px;color:#e6e6e6}
.header-contact strong{display:block;color:#fff;font-size:13px;letter-spacing:.2px}

.topbar{
  background:#fff;border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:20;
}
.topbar-inner{
  max-width:1180px;margin:auto;display:flex;justify-content:space-between;align-items:center;
  gap:12px;padding:9px 20px;
}
.topbar-title{font-weight:800;font-size:13px}
.actions{display:flex;align-items:stretch;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:#fff}
.action-btn{
  border:0;border-right:1px solid var(--line);background:#fff;color:var(--charcoal);
  padding:7px 11px;min-width:92px;
  display:flex;align-items:center;gap:7px;justify-content:center;
}
.action-btn:last-child{border-right:0}
.action-btn:hover{background:#f8f8f8}
.action-icon{font-size:15px;line-height:1;color:var(--red)}
.action-copy{display:flex;flex-direction:column;line-height:1.05;text-align:left}
.action-copy b{font-size:10px;letter-spacing:.35px}
.action-copy span{font-size:9px;color:#7b7e83;margin-top:3px}

.shell{max-width:1180px;margin:20px auto 105px;padding:0 20px}
.hero{
  border-radius:18px;
  background:linear-gradient(135deg,#fff 0%,#fff 60%,#f5f5f5 100%);
  box-shadow:var(--shadow);
  overflow:hidden;
  display:grid;grid-template-columns:1.45fr .85fr;
  min-height:280px;
}
.hero-copy{padding:30px 32px}
.kicker{
  display:inline-flex;align-items:center;gap:8px;
  font-weight:900;font-size:11px;letter-spacing:1.1px;text-transform:uppercase;color:var(--red)
}
.kicker:before{content:"";width:26px;height:3px;background:var(--red);border-radius:4px}
.hero h1{margin:10px 0 8px;font-size:38px;line-height:1.05;letter-spacing:-.8px}
.hero h1 .hl{background:linear-gradient(transparent 55%,rgba(244,211,94,.72) 55%);padding:0 3px}
.hero p{max-width:680px;margin:0 0 18px;color:#555b62;font-size:15px}
.pill-row{display:flex;flex-wrap:wrap;gap:8px}
.pill{font-size:11px;font-weight:800;border:1px solid #d8dade;border-radius:999px;padding:7px 10px;background:#fff}
.hero-art{
  background:var(--charcoal);color:#fff;padding:24px;display:flex;flex-direction:column;justify-content:center;
}
.flow-mini{display:grid;gap:9px}
.flow-row{display:flex;align-items:center;gap:10px}
.flow-num{
  width:31px;height:31px;border-radius:50%;background:var(--red);display:grid;place-items:center;font-weight:900;flex:0 0 auto
}
.flow-label b{display:block;font-size:12px}.flow-label span{font-size:10px;color:#cfd2d4}
.flow-arrow{margin-left:14px;height:13px;border-left:2px dashed #70747a}
.hero-note{margin-top:16px;border-top:1px solid #44484e;padding-top:13px;font-size:10px;color:#c9cccf}

.section{margin-top:18px}
.section-title{font-size:22px;margin:0 0 10px;font-weight:900;letter-spacing:-.25px}
.section-sub{margin:-4px 0 14px;color:var(--muted);font-size:12px}

.explainer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.step-card{
  background:#fff;border:1px solid var(--line);border-radius:15px;padding:18px;box-shadow:0 5px 16px rgba(0,0,0,.04);
  position:relative;overflow:hidden
}
.step-card:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--red)}
.step-no{font-size:10px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);font-weight:900}
.step-card h3{font-size:18px;line-height:1.2;margin:5px 0 8px}
.step-card p{margin:0;color:#5f646b;font-size:12px}
.sketch{
  min-height:104px;margin:14px 0 12px;border:1px dashed #cfd2d6;background:var(--paper);border-radius:11px;
  display:flex;align-items:center;justify-content:center;gap:9px;padding:12px;text-align:center
}
.bucket{
  width:78px;height:58px;border:2px solid var(--charcoal);border-top-width:5px;border-radius:7px 7px 16px 16px;
  display:grid;place-items:center;font-size:12px;font-weight:900;background:#fff
}
.arrow{font-size:23px;font-weight:900;color:var(--red)}
.ticket{
  border:2px solid var(--charcoal);background:#fff;padding:10px 12px;font-size:11px;font-weight:900;transform:rotate(-1deg)
}
.money-tag{font-size:12px;font-weight:900;padding:7px 9px;background:var(--yellow);border-radius:6px}

.correction{
  margin-top:14px;background:#fff7e1;border:1px solid #e8d394;border-left:5px solid #d9a91a;border-radius:12px;
  padding:13px 15px;font-size:12px;color:#4d4b43
}
.correction strong{color:#282a2d}

.calc-layout{
  display:grid;grid-template-columns:380px 1fr;gap:16px;align-items:start
}
.panel{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);overflow:hidden}
.panel-head{padding:15px 18px;background:var(--charcoal);color:#fff;border-top:3px solid var(--red)}
.panel-head h2{font-size:17px;margin:0}.panel-head p{font-size:10px;color:#d3d5d8;margin:3px 0 0}
.inputs{padding:15px 16px}
.input-group{margin-bottom:12px}
.input-group label{display:flex;justify-content:space-between;gap:10px;font-weight:800;font-size:11px;margin-bottom:5px}
.input-group label span{font-weight:500;color:#7a7e84}
.control-wrap{position:relative}
.prefix,.suffix{
  position:absolute;top:50%;transform:translateY(-50%);font-size:12px;color:#777b80;pointer-events:none
}
.prefix{left:11px}.suffix{right:11px}
input,select{
  width:100%;border:1px solid #cfd2d6;border-radius:9px;background:#fff;color:#222;
  padding:10px 11px;font-size:13px;outline:none
}
input.money{padding-left:25px}
input.percent{padding-right:28px}
input:focus,select:focus{border-color:var(--red);box-shadow:0 0 0 3px rgba(199,32,38,.09)}
.input-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.update-btn{
  width:100%;border:0;background:var(--red);color:#fff;font-weight:900;border-radius:10px;padding:12px 15px;
  box-shadow:0 5px 12px rgba(199,32,38,.18)
}
.update-btn:hover{background:var(--red-dark)}
.micro{font-size:9px;color:#85898e;margin-top:6px;line-height:1.35}

.results{padding:16px}
.client-line{
  display:flex;justify-content:space-between;gap:12px;align-items:center;margin-bottom:11px
}
.client-line h2{font-size:18px;margin:0}.client-line span{font-size:10px;color:var(--muted)}
.metric-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.metric{
  border:1px solid var(--line);border-radius:12px;padding:12px;background:#fff;min-height:100px;
}
.metric .label{font-size:9px;text-transform:uppercase;letter-spacing:.65px;color:#747980;font-weight:900}
.metric .value{font-size:21px;font-weight:900;margin-top:5px;letter-spacing:-.45px}
.metric .detail{font-size:9px;color:#767b80;margin-top:4px}
.metric.emphasis{background:#fff9df;border-color:#ecd779}
.metric.blue{background:#eef8fd;border-color:#bfdfef}

.bridge{
  margin-top:12px;border:1px solid var(--line);border-radius:14px;overflow:hidden
}
.bridge-head{padding:10px 12px;background:#f4f5f6;font-weight:900;font-size:11px}
.bridge-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:11px}
.bridge-item{padding:5px 10px;border-right:1px solid var(--line)}
.bridge-item:last-child{border-right:0}
.bridge-item span{display:block;font-size:9px;color:#72767b}
.bridge-item b{font-size:15px}
.good{color:#147a39}.warn{color:#a76600}.bad{color:#a31c22}

.projection{
  margin-top:12px;border:1px solid var(--line);border-radius:14px;padding:14px
}
.projection-head{display:flex;justify-content:space-between;gap:12px;align-items:end;margin-bottom:12px}
.projection-head h3{margin:0;font-size:15px}.projection-head span{font-size:9px;color:#777b80;text-align:right}
.bar-list{display:grid;gap:10px}
.bar-row{display:grid;grid-template-columns:110px 1fr 95px;gap:10px;align-items:center}
.bar-label{font-size:10px;font-weight:900}
.bar-track{height:13px;border-radius:999px;background:#eceeef;overflow:hidden}
.bar-fill{height:100%;border-radius:999px;background:linear-gradient(90deg,var(--charcoal),#555b63);width:0;transition:width .45s ease}
.bar-row:nth-child(2) .bar-fill{background:linear-gradient(90deg,#4a4e55,#858b93)}
.bar-row:nth-child(3) .bar-fill{background:linear-gradient(90deg,var(--red),#eb6d72)}
.bar-value{text-align:right;font-size:11px;font-weight:900}

.table-wrap{margin-top:12px;overflow:auto;border:1px solid var(--line);border-radius:12px}
table{width:100%;border-collapse:collapse;min-width:650px}
th,td{padding:9px 10px;border-bottom:1px solid #eceeef;text-align:right;font-size:10px;white-space:nowrap}
th{background:#f5f6f7;font-size:9px;text-transform:uppercase;letter-spacing:.4px;color:#686d73}
th:first-child,td:first-child{text-align:left}
tr:last-child td{border-bottom:0}

.notes-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.note-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px}
.note-card h3{font-size:15px;margin:0 0 9px}
.note-card ul{padding-left:18px;margin:0}
.note-card li{font-size:11px;margin:7px 0;color:#565b61}
.risk{border-left:5px solid var(--red)}
.tax{border-left:5px solid #286f95}


.email-preview{
  margin-top:14px;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff
}
.email-preview-head{
  background:#f4f5f6;padding:12px 14px;display:flex;justify-content:space-between;align-items:center;gap:12px;
  border-bottom:1px solid var(--line)
}
.email-preview-head h3{margin:0;font-size:15px}
.email-preview-head span{font-size:9px;color:#777b80}
.email-meta{padding:12px 14px;border-bottom:1px solid var(--line);display:grid;gap:7px}
.email-meta-row{display:grid;grid-template-columns:65px 1fr;gap:8px;align-items:center}
.email-meta-row b{font-size:10px;color:#6e7378;text-transform:uppercase;letter-spacing:.45px}
.email-meta-row span{font-size:11px;font-weight:700;overflow-wrap:anywhere}
.email-body{
  padding:16px 14px;white-space:pre-wrap;font-family:Lato,Arial,Helvetica,sans-serif;font-size:11px;line-height:1.58;
  color:#34383d;max-height:430px;overflow:auto;background:#fff
}
.email-actions{
  padding:11px 14px;border-top:1px solid var(--line);display:flex;flex-wrap:wrap;gap:8px;background:#fafafa
}
.email-action{
  border:1px solid #cfd2d6;background:#fff;color:var(--charcoal);font-weight:900;font-size:10px;
  border-radius:8px;padding:9px 12px
}
.email-action.primary{background:var(--red);border-color:var(--red);color:#fff}
.email-action.dark{background:var(--charcoal);border-color:var(--charcoal);color:#fff}
.email-help{font-size:9px;color:#777b80;padding:0 14px 12px;background:#fafafa}

.sources{font-size:10px;color:#696e74;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px}
.sources a{color:#3e5e73;text-decoration:underline}
.disclaimer{
  margin-top:14px;font-size:9px;line-height:1.45;color:#70757a;background:#f8f8f8;border:1px solid #dddfe2;border-radius:10px;padding:12px
}

.sticky-footer{
  position:fixed;left:0;right:0;bottom:0;z-index:30;background:var(--charcoal);border-top:3px solid var(--red);color:#fff;
  box-shadow:0 -6px 20px rgba(0,0,0,.2)
}
.footer-inner{max-width:1180px;margin:auto;display:grid;grid-template-columns:repeat(5,1fr)}
.footer-btn{
  border:0;border-right:1px solid #44474c;background:transparent;color:#fff;min-height:60px;padding:8px 7px;
  display:flex;align-items:center;justify-content:center;gap:8px
}
.footer-btn:last-child{border-right:0}
.footer-btn:hover{background:#292c30}
.footer-icon{color:#fff;font-size:17px}
.footer-copy{display:flex;flex-direction:column;text-align:left;line-height:1.05}
.footer-copy b{font-size:9px;letter-spacing:.55px}.footer-copy span{font-size:9px;color:#b8bcc0;margin-top:4px}

.toast{
  position:fixed;bottom:78px;left:50%;transform:translate(-50%,20px);opacity:0;pointer-events:none;z-index:50;
  background:#111;color:#fff;padding:9px 13px;border-radius:8px;font-size:11px;transition:.25s
}
.toast.show{opacity:1;transform:translate(-50%,0)}

@media(max-width:900px){
  .hero{grid-template-columns:1fr}.hero-art{min-height:auto}
  .explainer-grid{grid-template-columns:1fr}
  .calc-layout{grid-template-columns:1fr}
  .metric-grid{grid-template-columns:1fr 1fr}
  .notes-grid{grid-template-columns:1fr}
  .topbar-title{display:none}
  .action-btn{min-width:auto;padding:7px 9px}.action-copy span{display:none}
}
@media(max-width:640px){
  body{font-size:13px}
  .header-inner{padding:11px 13px;min-height:72px}
  .brand-mark{width:42px;height:42px}.brand-name{font-size:19px}.brand-sub{font-size:9px}
  .header-contact strong{font-size:10px}.header-contact{font-size:9px}
  .topbar-inner{padding:7px 10px}.actions{width:100%;display:grid;grid-template-columns:repeat(4,1fr)}
  .action-btn{border-bottom:0;padding:7px 5px}.action-copy{display:none}
  .shell{padding:0 10px;margin-top:10px;margin-bottom:91px}
  .hero-copy{padding:22px 19px}.hero h1{font-size:31px}
  .hero-art{padding:18px}
  .section-title{font-size:19px}
  .input-row{grid-template-columns:1fr 1fr}
  .metric-grid{grid-template-columns:1fr 1fr}
  .metric{min-height:92px;padding:10px}.metric .value{font-size:18px}
  .bridge-grid{grid-template-columns:1fr 1fr}
  .bridge-item{border-right:0;border-bottom:1px solid var(--line)}
  .bridge-item:nth-last-child(-n+2){border-bottom:0}
  .bar-row{grid-template-columns:75px 1fr 78px;gap:7px}
  .footer-btn{min-height:57px;padding:6px 3px;gap:4px}
  .footer-icon{font-size:15px}.footer-copy b{font-size:7px}.footer-copy span{font-size:7px}
}
@media print{
  body{background:#fff}
  .topbar,.sticky-footer,.update-btn,.toast{display:none!important}
  .shell{margin:0;padding:0}
  .header{box-shadow:none}
  .panel,.hero,.step-card{box-shadow:none}
  .hero{break-inside:avoid}
  .calc-layout{grid-template-columns:1fr}
  .inputs{display:none}
  .results{padding:10px}
  .section{break-inside:avoid}
  a{text-decoration:none}
}