:root {
    --primary-blue: #0052cc;
    --hero-gradient: linear-gradient(135deg, #0061ff 0%, #0033aa 100%);
    --bg-light: #f8fafc;
    --white: #ffffff;
    --text-main: #1e293b;
    --text-muted: #64748b;
    --border-color: #e2e8f0;
    --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
    --radius: 12px;
    --transition: all 0.3s ease;
    --success-bg: #ecfdf5;
    --success-text: #047857;
    --warning-bg: #fff7ed;
    --warning-text: #c2410c;
    --danger-bg: #fef2f2;
    --danger-text: #b91c1c;
  }
  
  * {
    box-sizing: border-box;
  }
  
  html {
    scroll-behavior: smooth;
  }
  
  body {
    margin: 0;
    font-family: 'Inter', sans-serif;
    color: var(--text-main);
    background: var(--white);
    line-height: 1.65;
  }
  
  img {
    max-width: 100%;
    display: block;
  }
  
  a {
    color: var(--primary-blue);
    text-decoration: none;
  }
  
  a:hover {
    text-decoration: underline;
  }
  
  .section-padding {
    padding: 80px 0;
  }
  
  .bg-light {
    background: var(--bg-light);
  }
  
  .container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 16px;
  }
  
  .hero {
    background: var(--hero-gradient);
    color: var(--white);
    padding: 40px 0 40px;
  }
  
  .hero-content {
    display: flex;
    flex-direction: column;
    gap: 24px;
  }
  
  .breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    font-size: 0.95rem;
    opacity: 0.92;
  }
  
  .breadcrumb a {
    color: rgba(255, 255, 255, 0.92);
  }
  
  .breadcrumb span {
    color: rgba(255, 255, 255, 0.88);
  }
  
  .hero-text {
    max-width: 860px;
  }
  
  .hero h1 {
    margin: 0 0 18px;
    font-size: clamp(2.2rem, 5vw, 3.6rem);
    line-height: 1.1;
  }
  
  .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 48px;
    padding: 0 22px;
    border-radius: 10px;
    border: 1px solid transparent;
    font-weight: 700;
    font-size: 0.98rem;
    transition: var(--transition);
    cursor: pointer;
    text-decoration: none;
  }
  
  .btn:hover {
    text-decoration: none;
    transform: translateY(-2px);
  }
  
  .btn-primary {
    background: var(--white);
    color: var(--primary-blue);
    box-shadow: var(--shadow-md);
  }
  
  .btn-primary:hover {
    opacity: 0.96;
  }
  
  .btn-secondary {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.35);
  }
  
  .btn-secondary:hover {
    background: rgba(255, 255, 255, 0.08);
  }
  
  .btn-light {
    background: var(--white);
    color: var(--text-main);
    border-color: var(--border-color);
  }
  
  .section-header {
    margin-bottom: 34px;
  }
  
  .section-header.left-align {
    text-align: left;
  }
  
  .section-header h2 {
    margin: 0 0 12px;
    font-size: clamp(1.8rem, 3vw, 2.5rem);
    line-height: 1.2;
  }
  
  .section-header p {
    margin: 0;
    max-width: 860px;
    color: var(--text-muted);
    font-size: 1.03rem;
  }
  
  .calculator-shell {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 24px;
    align-items: start;
  }
  
  .calculator-panel {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: 20px;
    box-shadow: var(--shadow-sm);
    overflow: visible;
  }
  
  .input-panel {
    padding: 28px;
  }
  
  .results-panel {
    padding: 28px;
    position: sticky;
    top: 110px;
  }
  
  .panel-heading {
    margin-bottom: 22px;
  }
  
  .panel-heading h3 {
    margin: 0 0 10px;
    font-size: 1.35rem;
  }
  
  .panel-heading p {
    margin: 0;
    color: var(--text-muted);
  }
  
  .form-grid {
    display: grid;
    gap: 18px;
  }
  
  .form-grid.two-col {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  
  .form-grid.four-col {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
  
  .form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
  }
  
  .form-group label {
    font-weight: 600;
    font-size: 0.96rem;
  }
  
  .form-group input,
  .form-group select {
    width: 100%;
    min-height: 48px;
    border: 1px solid var(--border-color);
    border-radius: 12px;
    padding: 0 14px;
    font: inherit;
    color: var(--text-main);
    background: var(--white);
    transition: var(--transition);
  }
  
  .form-group input:focus,
  .form-group select:focus {
    outline: none;
    border-color: var(--primary-blue);
    box-shadow: 0 0 0 4px rgba(0, 82, 204, 0.12);
  }
  
  .compare-inputs {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px;
    margin: 26px 0;
  }
  
  .compare-column {
    border: 1px solid var(--border-color);
    border-radius: 18px;
    padding: 20px;
  }
  
  .compare-before {
    background: #f8fbff;
  }
  
  .compare-after {
    background: #fcfcfd;
  }
  
  .compare-column h4,
  .optional-strip h4,
  .upgrade-grid-wrap h4 {
    margin: 0 0 14px;
    font-size: 1.08rem;
  }
  
  .optional-strip,
  .upgrade-grid-wrap {
    margin-top: 24px;
    padding-top: 20px;
    border-top: 1px solid var(--border-color);
  }
  
  .subtle-note {
    margin: -4px 0 16px;
    color: var(--text-muted);
    font-size: 0.94rem;
  }
  
  .button-row {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 28px;
  }
  
  .form-message {
    margin-bottom: 18px;
    border-radius: 12px;
    padding: 14px 16px;
    font-weight: 600;
    font-size: 0.95rem;
  }
  
  .error-message {
    background: var(--danger-bg);
    color: var(--danger-text);
    border: 1px solid rgba(185, 28, 28, 0.15);
  }
  
  .hidden {
    display: none !important;
  }
  
  .results-placeholder {
    border: 1px dashed var(--border-color);
    border-radius: 18px;
    padding: 40px 24px;
    text-align: center;
    background: var(--bg-light);
  }
  
  .results-placeholder i {
    font-size: 2rem;
    color: var(--primary-blue);
    margin-bottom: 14px;
  }
  
  .results-placeholder p {
    margin: 0;
    color: var(--text-muted);
  }

  .result-note {
    margin-top: 6px;
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.4;
  }

  .summary-item .label {
    position: relative;
    display: flex;
    align-items: center;
    gap: 6px;
  }
  
  .info-icon {
    color: var(--text-muted);
    cursor: pointer;
    font-size: 0.8rem;
    flex-shrink: 0;
  }
  
  .summary-item .label:hover::after {
    content: "This reflects the increase in your actual spending, not planned allocation.";
    position: absolute;
    right: 0;
    top: 24px;
    background: #111;
    color: #fff;
    padding: 8px 10px;
    border-radius: 6px;
    font-size: 0.75rem;
    width: 220px;
    line-height: 1.35;
    z-index: 100;
    white-space: normal;
    pointer-events: none;
  }
  
  .status-banner {
    border-radius: 16px;
    padding: 18px;
    margin-bottom: 20px;
  }
  
  .status-banner.general {
    background: var(--bg-light);
    border: 1px solid var(--border-color);
  }
  
  .status-banner.controlled {
    background: var(--success-bg);
    color: var(--success-text);
  }
  
  .status-banner.moderate {
    background: var(--warning-bg);
    color: var(--warning-text);
  }
  
  .status-banner.high {
    background: var(--danger-bg);
    color: var(--danger-text);
  }
  
  .status-badge {
    display: inline-block;
    margin-bottom: 8px;
    padding: 6px 10px;
    border-radius: 999px;
    font-size: 0.8rem;
    font-weight: 700;
    background: rgba(255, 255, 255, 0.7);
  }
  
  .status-banner p {
    margin: 0;
    font-weight: 600;
  }
  
  .results-summary-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
    margin-bottom: 22px;
    align-items: stretch;
  }
  
  .summary-item {
    padding: 16px;
    border: 1px solid var(--border-color);
    border-radius: 16px;
    background: var(--white);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
  }
  
  .summary-item.accent {
    background: #f8fbff;
  }
  
  .summary-item .label {
    display: flex;
    margin-bottom: 8px;
    color: var(--text-muted);
    font-size: 0.9rem;
    position: relative;
    display: flex;
    align-items: center;
    gap: 6px;
  }
  
  .summary-item strong {
    font-size: 1.1rem;
    line-height: 1.3;
  }
  
  .before-after-summary {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
    margin-bottom: 22px;
  }
  
  .before-card,
  .after-card {
    border: 1px solid var(--border-color);
    border-radius: 16px;
    padding: 18px;
  }
  
  .before-card {
    background: #f8fbff;
  }
  
  .after-card {
    background: #fcfcfd;
  }
  
  .before-card h4,
  .after-card h4,
  .insight-card h4,
  .callout-card h3,
  .formula-card h3,
  .impact-item h3,
  .benefit-card h3,
  .tip-card h3,
  .related-card h3,
  .cta-card h2,
  .trust-card h2,
  .scenario-card h3,
  .comparison-block h3,
  .rail-card h3,
  .upgrade-story-card h3,
  .mistake-item h3 {
    margin-top: 0;
  }
  
  .metric-row {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    padding: 9px 0;
    border-bottom: 1px solid var(--border-color);
  }
  
  .metric-row:last-child {
    border-bottom: 0;
    padding-bottom: 0;
  }
  
  .insight-stack {
    display: grid;
    gap: 14px;
  }
  
  .insight-card {
    border: 1px solid var(--border-color);
    border-radius: 16px;
    padding: 18px;
    background: var(--bg-light);
  }
  
  .insight-card p {
    margin: 0;
    color: var(--text-main);
  }

  .story-aside .callout-card + .callout-card {
    margin-top: 16px;
  }
  
  .story-layout,
  .editorial-grid,
  .formula-layout,
  .split-prose,
  .prose-with-rail {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 28px;
    align-items: start;
  }
  
  .story-main,
  .editorial-main,
  .formula-explain,
  .prose {
    max-width: none;
  }
  
  .story-main p,
  .editorial-main p,
  .formula-explain p,
  .prose p {
    margin-top: 0;
    margin-bottom: 18px;
  }
  
  .callout-card,
  .content-card,
  .formula-card,
  .impact-item,
  .benefit-card,
  .tip-card,
  .related-card,
  .trust-card,
  .rail-card,
  .comparison-block,
  .scenario-card,
  .upgrade-story-card,
  .mistake-item {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: 18px;
    box-shadow: var(--shadow-sm);
  }
  
  .callout-card,
  .content-card,
  .formula-card,
  .rail-card,
  .trust-card {
    padding: 22px;
  }
  
  .soft-warning {
    background: #fffdf7;
  }
  
  .callout-card ul,
  .rail-card ul {
    margin: 0;
    padding-left: 20px;
  }
  
  .comparison-story {
    display: grid;
    gap: 24px;
  }
  
  .comparison-intro {
    max-width: 880px;
  }
  
  .comparison-intro p {
    margin: 0;
    color: var(--text-main);
  }
  
  .comparison-rail {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
  }
  
  .comparison-block {
    padding: 24px;
  }
  
  .comparison-block.emphasis {
    background: #f8fbff;
  }
  
  .comparison-label,
  .scenario-tag {
    display: inline-block;
    margin-bottom: 12px;
    padding: 6px 10px;
    border-radius: 999px;
    background: var(--bg-light);
    color: var(--primary-blue);
    font-size: 0.84rem;
    font-weight: 700;
  }
  
  .formula-large {
    margin-bottom: 14px;
    padding: 14px 16px;
    border-radius: 14px;
    background: var(--bg-light);
    font-weight: 700;
    line-height: 1.45;
    overflow-wrap: anywhere;
  }
  
  .scenario-list,
  .upgrade-story-grid,
  .mistakes-list,
  .benefit-grid,
  .tips-grid,
  .related-grid {
    display: grid;
    gap: 18px;
  }
  
  .scenario-list {
    grid-template-columns: 1fr;
  }
  
  .scenario-card {
    padding: 24px;
  }
  
  .upgrade-story-grid,
  .benefit-grid,
  .tips-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
  
  .mistakes-list {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  
  .benefit-card,
  .tip-card,
  .upgrade-story-card,
  .mistake-item,
  .related-card,
  .impact-item {
    padding: 22px;
  }
  
  .benefit-card i {
    font-size: 1.4rem;
    color: var(--primary-blue);
    margin-bottom: 14px;
  }
  
  .top-spacer {
    margin-top: 24px;
  }
  
  .impact-list {
    display: grid;
    gap: 16px;
  }
  
  .faq-list {
    display: grid;
    gap: 14px;
  }
  
  .faq-item {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: 16px;
    padding: 0 18px;
    box-shadow: var(--shadow-sm);
  }
  
  .faq-item summary {
    list-style: none;
    cursor: pointer;
    padding: 18px 28px 18px 0;
    position: relative;
    font-weight: 700;
  }
  
  .faq-item summary::-webkit-details-marker {
    display: none;
  }
  
  .faq-item summary::after {
    content: '+';
    position: absolute;
    right: 0;
    top: 18px;
    font-size: 1.2rem;
    line-height: 1;
    color: var(--primary-blue);
  }
  
  .faq-item[open] summary::after {
    content: '–';
  }
  
  .faq-item p {
    margin: 0 0 18px;
    color: var(--text-muted);
  }
  
  .related-grid.related-grid-4 {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
  
  .related-card {
    display: block;
    transition: var(--transition);
  }
  
  .related-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    text-decoration: none;
  }
  
  .cta-section {
    background: var(--white);
  }
  
  .cta-card {
    background: var(--hero-gradient);
    color: var(--white);
    border-radius: 24px;
    padding: 44px 32px;
    text-align: left;
    box-shadow: var(--shadow-md);
  }
  
  .cta-card p {
    max-width: 760px;
    margin: 0 0 22px;
    color: rgba(255, 255, 255, 0.94);
  }
  
  .trust-card {
    background: #fbfcfe;
  }
  
  @media (max-width: 1100px) {
    .calculator-shell,
    .story-layout,
    .editorial-grid,
    .formula-layout,
    .split-prose,
    .prose-with-rail {
      grid-template-columns: 1fr;
    }
  
    .results-panel {
      position: static;
    }
  
    .form-grid.four-col,
    .related-grid.related-grid-4,
    .upgrade-story-grid,
    .benefit-grid,
    .tips-grid,
    .comparison-rail {
      grid-template-columns: repeat(2, minmax(0, 1fr));
    }
  }
  
  @media (max-width: 768px) {
    .section-padding {
      padding: 64px 0;
    }
  
    .hero {
      padding: 20px 0 20px;
    }
  
    .hero-actions,
    .button-row {
      flex-direction: column;
      align-items: stretch;
    }
  
    .form-grid.two-col,
    .form-grid.four-col,
    .compare-inputs,
    .before-after-summary,
    .results-summary-grid,
    .upgrade-story-grid,
    .benefit-grid,
    .tips-grid,
    .mistakes-list,
    .comparison-rail,
    .related-grid.related-grid-4 {
      grid-template-columns: 1fr;
    }
  
    .input-panel,
    .results-panel,
    .cta-card {
      padding: 22px;
    }

  }