.calculator-page { background: #f6f7fb; }
.calculator-hero { background: linear-gradient(135deg, #18204a 0%, #263466 100%); color: #fff; padding: 72px 0 64px; }
.calculator-hero .lead { max-width: 720px; color: #e7eaf5; }
.calculator-shell { display: grid; grid-template-columns: minmax(280px, .86fr) minmax(0, 1.14fr); gap: 28px; align-items: start; margin-top: -30px; position: relative; z-index: 1; padding-bottom: 72px; }
.calculator-card, .calculator-result, .calculator-info, .calculator-disclaimer { background: #fff; border: 1px solid #dfe3ee; border-radius: 16px; box-shadow: 0 12px 30px rgba(24,32,74,.08); }
.calculator-card { padding: 28px; }
.calculator-card h2, .calculator-result h2 { color: #18204a; margin-top: 0; }
.calculator-form { display: grid; gap: 18px; }
.calculator-form label { display: grid; gap: 7px; font-weight: 700; color: #18204a; }
.calculator-form input, .calculator-form select { width: 100%; min-height: 48px; border: 1px solid #aeb7cd; border-radius: 8px; padding: 10px 12px; font: inherit; color: #18204a; background: #fff; }
.calculator-form input:focus, .calculator-form select:focus { border-color: #c89b3c; outline: 3px solid rgba(200,155,60,.25); }
.field-hint { font-size: .88rem; font-weight: 400; color: #5e6780; }
.field-error { color: #9d2735; font-size: .9rem; font-weight: 600; min-height: 1.2em; }
.form-actions { display: flex; flex-wrap: wrap; gap: 12px; padding-top: 4px; }
.calculator-result { padding: 28px; min-height: 320px; }
.calculator-result[hidden] { display: none; }
.result-lead { color: #59627a; margin-top: -8px; }
.result-primary { background: #eef3ff; border-left: 4px solid #c89b3c; border-radius: 10px; padding: 18px; margin: 20px 0; }
.result-primary span { display: block; color: #59627a; font-size: .9rem; }
.result-primary strong { display: block; color: #18204a; font-size: clamp(1.8rem, 4vw, 2.5rem); line-height: 1.1; margin-top: 4px; }
.result-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; margin: 20px 0; }
.result-stat { border-top: 1px solid #dfe3ee; padding-top: 12px; }
.result-stat span { display: block; color: #59627a; font-size: .9rem; }
.result-stat strong { display: block; color: #18204a; margin-top: 3px; }
.result-scenario { border: 1px solid #dfe3ee; border-radius: 10px; padding: 16px; }
.result-scenario h3 { margin: 0 0 12px; color: #18204a; font-size: 1.05rem; }
.result-scenario + .result-scenario { margin-top: 12px; }
.difference { background: #f8f4e9; border-color: #e4d3a5; }
.result-links { display: flex; flex-wrap: wrap; gap: 12px 22px; margin-top: 24px; }
.result-links a { font-weight: 700; color: #18204a; }
.calculator-disclaimer { grid-column: 1 / -1; padding: 18px 22px; box-shadow: none; color: #59627a; font-size: .92rem; }
.calculator-disclaimer strong { color: #18204a; }
.calculator-info { grid-column: 1 / -1; padding: 28px; box-shadow: none; }
.calculator-info h2 { color: #18204a; }
.calculator-info p:last-child { margin-bottom: 0; }
.calculator-hub { padding: 64px 0 80px; }
.calculator-family-nav { display: flex; gap: 6px; overflow-x: auto; padding-top: 18px; padding-bottom: 18px; scrollbar-width: thin; }
.calculator-family-nav a { flex: 0 0 auto; color: #18204a; text-decoration: none; font-weight: 700; padding: 11px 16px; border: 1px solid #dfe3ee; border-radius: 999px; background: #fff; }
.calculator-family-nav a:hover, .calculator-family-nav a:focus-visible, .calculator-family-nav a[aria-current="page"] { border-color: #c89b3c; background: #f8f4e9; }
.chart-view-control { display: inline-flex; gap: 4px; margin-top: 12px; border: 1px solid #dfe3ee; border-radius: 999px; padding: 3px; }
.chart-view-control button { border: 0; background: transparent; color: #18204a; border-radius: 999px; padding: 7px 12px; font: inherit; font-weight: 700; cursor: pointer; }
.chart-view-control button.is-active, .chart-view-control button:focus-visible { background: #18204a; color: #fff; outline: 2px solid #c89b3c; outline-offset: 1px; }
.upfront-planner, .upfront-summary { border: 1px solid #dfe3ee; border-radius: 12px; padding: 16px; margin-top: 18px; }
.upfront-planner legend, .upfront-summary h3 { color: #18204a; font-weight: 800; padding: 0 5px; }
.upfront-planner label { margin-top: 12px; }
.calculator-cards { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; margin-top: 30px; }
.calculator-card-link { display: flex; flex-direction: column; background: #fff; border: 1px solid #dfe3ee; border-radius: 16px; padding: 28px; min-height: 230px; color: inherit; text-decoration: none; box-shadow: 0 12px 30px rgba(24,32,74,.06); transition: transform .2s ease, border-color .2s ease; }
.calculator-card-link:hover, .calculator-card-link:focus-visible { transform: translateY(-3px); border-color: #c89b3c; }
.calculator-icon { width: 48px; height: 48px; display: grid; place-items: center; border-radius: 50%; background: #eef3ff; color: #18204a; margin-bottom: 22px; }
.calculator-icon svg { width: 26px; height: 26px; fill: none; stroke: currentColor; stroke-width: 1.8; }
.calculator-card-link h2 { color: #18204a; margin: 0 0 10px; }
.calculator-card-link p { color: #59627a; margin: 0 0 20px; }
.calculator-card-link .card-cta { margin-top: auto; color: #18204a; font-weight: 700; }
.frequency-note { font-size: .9rem; color: #59627a; background: #f6f7fb; border-radius: 8px; padding: 12px; }
.result-chart { margin: 24px 0; padding: 18px; border: 1px solid #dfe3ee; border-radius: 12px; background: #fbfcff; }
.result-chart h3 { margin: 0 0 6px; color: #18204a; }
.balance-chart { display: block; width: 100%; height: auto; margin-top: 14px; overflow: visible; }
.chart-gridline { stroke: #dfe3ee; stroke-width: 1; }
.chart-axis { stroke: #7d879e; stroke-width: 1.2; }
.chart-axis-label { fill: #59627a; font-size: 12px; }
.chart-line { fill: none; stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.chart-primary { stroke: #18204a; fill: #18204a; }
.chart-gold { stroke: #b98322; fill: #b98322; stroke-dasharray: 7 5; }
.chart-legend { display: flex; flex-wrap: wrap; gap: 12px 20px; margin-top: 4px; color: #18204a; font-size: .88rem; font-weight: 700; }
.chart-legend span { display: inline-flex; align-items: center; gap: 7px; }
.legend-swatch { display: inline-block; width: 22px; border-top: 3px solid currentColor; }
.legend-swatch.chart-gold { border-top-style: dashed; }
.chart-data { margin-top: 14px; border-top: 1px solid #dfe3ee; padding-top: 12px; }
.chart-data summary { color: #18204a; cursor: pointer; font-weight: 700; }
.chart-data table { width: 100%; border-collapse: collapse; margin-top: 12px; font-size: .88rem; }
.chart-data th, .chart-data td { padding: 8px 6px; border-bottom: 1px solid #e5e8f0; text-align: right; }
.chart-data th:first-child, .chart-data td:first-child { text-align: left; }
.chart-data th { color: #18204a; }
@media (max-width: 820px) { .calculator-shell { grid-template-columns: 1fr; margin-top: -20px; } .calculator-disclaimer, .calculator-info { grid-column: auto; } .calculator-cards { grid-template-columns: 1fr; } }
@media (max-width: 520px) { .calculator-hero { padding: 48px 0 52px; } .calculator-shell { padding-bottom: 48px; } .calculator-card, .calculator-result, .calculator-info { padding: 22px; } .result-grid { grid-template-columns: 1fr; } .form-actions > * { flex: 1 1 100%; text-align: center; } .calculator-card-link { min-height: 0; } .result-chart { margin-left: -4px; margin-right: -4px; padding: 14px 10px; } .chart-axis-label { font-size: 10px; } .chart-data { overflow-x: auto; } .chart-data table { min-width: 280px; } }
@media (prefers-reduced-motion: reduce) { .calculator-card-link { transition: none; } }

/* Calculator product shell V2 */
.calculator-page { background: #f3f5f9; }
.calculator-hero { padding: 42px 0 46px; background: linear-gradient(120deg, #10183e 0%, #263466 72%, #31477d 100%); }
.calculator-hero .eyebrow { color: #e4bf62; margin-bottom: 10px; letter-spacing: .08em; text-transform: uppercase; }
.calculator-hero h1 { max-width: 800px; margin: 0; color: #fff; font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.15rem, 4vw, 3.55rem); line-height: 1.05; }
.calculator-hero .lead { margin: 16px 0 0; color: #edf0f8; font-size: 1.04rem; }
.calculator-family-nav { position: relative; z-index: 3; display: flex; gap: 8px; padding-top: 14px; padding-bottom: 14px; border-bottom: 1px solid #dbe1ec; }
.calculator-family-nav a { min-height: 48px; display: inline-flex; align-items: center; padding: 11px 17px; border: 1px solid transparent; border-radius: 9px; background: #fff; box-shadow: 0 4px 12px rgba(24,32,74,.05); }
.calculator-family-nav a[aria-current="page"] { border-color: #c89b3c; background: #18204a; color: #fff; box-shadow: 0 7px 18px rgba(24,32,74,.18); }
.calculator-shell { grid-template-columns: minmax(300px, .82fr) minmax(0, 1.18fr); gap: 22px; margin-top: 24px; }
.calculator-card, .calculator-result { border-radius: 14px; box-shadow: 0 16px 38px rgba(24,32,74,.09); }
.calculator-card { padding: 26px; }
.calculator-card h2, .calculator-result h2, .calculator-info h2 { font-family: Georgia, "Times New Roman", serif; }
.calculator-form { gap: 14px; }
.calculator-form label { gap: 6px; }
.calculator-form input, .calculator-form select { min-height: 50px; border-radius: 7px; }
.form-actions { margin-top: 4px; }
.form-actions .gold { border-color: #c89b3c; background: #c89b3c; color: #18204a; }
.form-actions .gold:hover { background: #d6b254; }
.calculator-result { padding: 30px; }
.calculator-result h2 { font-size: clamp(1.65rem, 3vw, 2.3rem); }
.result-primary { padding: 22px; border-left-width: 5px; border-radius: 12px; background: linear-gradient(135deg, #eef3ff, #f7f8fc); }
.result-primary strong { font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.25rem, 5vw, 3.5rem); }
.result-stat strong { font-size: 1.08rem; }
.result-chart { background: #fff; }
.upfront-planner { grid-column: 1 / -1; margin-top: 0; padding: 24px; border: 1px solid #dfe3ee; border-radius: 14px; background: #fff; box-shadow: 0 10px 28px rgba(24,32,74,.06); }
.upfront-planner legend { font-family: Georgia, "Times New Roman", serif; font-size: 1.45rem; }
.cost-groups { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; margin-top: 14px; }
.cost-groups details { border: 1px solid #dfe3ee; border-radius: 10px; background: #fbfcff; }
.cost-groups summary { padding: 14px 16px; color: #18204a; font-weight: 800; cursor: pointer; }
.cost-fields { padding: 0 16px 14px; }
.cost-fields label { margin-top: 10px; }
.cost-status { display: inline-flex; width: fit-content; margin-top: 5px; padding: 3px 8px; border-radius: 999px; background: #eef3ff; color: #18204a; font-size: .72rem; font-weight: 800; letter-spacing: .04em; }
.upfront-summary { margin-top: 18px; padding: 18px; background: #f8f4e9; border-color: #e4d3a5; }
.funds-flow { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; margin: 22px 0; border: 1px solid #dfe3ee; border-radius: 12px; overflow: hidden; background: #fff; }
.funds-flow div { padding: 18px; text-align: center; }
.funds-flow div + div { border-left: 1px solid #dfe3ee; }
.funds-flow span { display: block; color: #59627a; font-size: .78rem; font-weight: 800; letter-spacing: .06em; }
.funds-flow strong { display: block; margin-top: 6px; color: #18204a; font-family: Georgia, serif; font-size: 1.35rem; }
.estimate-badge { display: inline-flex; padding: 4px 8px; border-radius: 999px; background: #e8edf8; color: #18204a; font-size: .72rem; font-weight: 800; letter-spacing: .04em; }
.calculator-info { border-radius: 14px; }
.calculator-info details { padding: 14px 0; border-top: 1px solid #dfe3ee; }
.calculator-info summary { color: #18204a; font-weight: 800; cursor: pointer; }
.related-calculators { grid-column: 1 / -1; padding: 28px; border-radius: 14px; background: #18204a; color: #fff; }
.related-calculators h2 { margin-top: 0; color: #fff; font-family: Georgia, serif; }
.related-calculators a { color: #f2d787; font-weight: 800; }
@media (max-width: 820px) { .calculator-family-nav { width: 100%; padding-right: 20px; padding-left: 20px; } .cost-groups { grid-template-columns: 1fr; } .calculator-shell { margin-top: 18px; } }
@media (max-width: 520px) { .calculator-hero { padding: 34px 0 36px; } .calculator-family-nav { gap: 6px; padding-top: 10px; padding-bottom: 10px; } .calculator-family-nav a { min-height: 44px; padding: 9px 13px; font-size: .88rem; } .calculator-card, .calculator-result, .calculator-info { padding: 20px; } .funds-flow { grid-template-columns: 1fr; } .funds-flow div + div { border-top: 1px solid #dfe3ee; border-left: 0; } }