: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;
  }
  
  body {
    font-family: 'Inter', sans-serif;
    color: var(--text-main);
    background: var(--white);
  }
  
  main {
    overflow: hidden;
  }
  
  .section-padding {
    padding: 72px 0;
  }
  
  .bg-light {
    background: var(--bg-light);
  }
  
  .section-header {
    margin-bottom: 32px;
  }
  
  .section-header.left-align {
    text-align: left;
  }
  
  .section-header h2 {
    font-size: clamp(1.8rem, 3vw, 2.5rem);
    line-height: 1.15;
    margin-bottom: 14px;
  }
  
  .section-header p {
    max-width: 850px;
    color: var(--text-muted);
    font-size: 1.05rem;
    line-height: 1.8;
  }
  
  .hero {
    background: var(--hero-gradient);
    color: var(--white);
    padding: 40px 0 40px;
  }
  
  .hero-content {
    display: grid;
    gap: 18px;
  }
  
  .breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    font-size: 0.95rem;
    opacity: 0.95;
  }
  
  .breadcrumb a {
    color: rgba(255, 255, 255, 0.92);
    text-decoration: none;
  }
  
  .breadcrumb a:hover {
    text-decoration: underline;
  }
  
  .hero-text {
    max-width: 900px;
  }
  
  .hero h1 {
    font-size: clamp(2.2rem, 4vw, 3.6rem);
    line-height: 1.08;
    margin-bottom: 18px;
  }

    .calculator-shell,
    .results-panel,
    .results-content,
    .results-content > *,
    .results-summary-grid,
    .summary-item,
    .milestone-summary,
    .milestone-card,
    .insight-card,
    .chart-wrap,
    .yearly-breakdown-wrap,
    .table-responsive {
    min-width: 0;
    }

    .results-panel {
    overflow: hidden;
    }

  .calculator-shell {
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
    gap: 22px;
    align-items: start;
  }
  
  .calculator-panel {
    background: var(--white);
    border: 1px solid var(--border-color);
    border-radius: 18px;
    padding: 28px;
    box-shadow: var(--shadow-sm);
    min-width: 0;
  }
  
  .panel-heading {
    margin-bottom: 22px;
  }
  
  .panel-heading h3 {
    font-size: 1.35rem;
    margin-bottom: 8px;
  }
  
  .panel-heading p {
    color: var(--text-muted);
    line-height: 1.75;
  }
  
  .form-grid {
    display: grid;
    gap: 18px;
  }
  
  .form-grid.two-col {
    grid-template-columns: repeat(2, 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: 52px;
    padding: 0 14px;
    border: 1px solid var(--border-color);
    border-radius: 12px;
    background: var(--white);
    color: var(--text-main);
    font: inherit;
    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, 0.08);
  }
  
  .toggle-strip {
    display: grid;
    gap: 12px;
    margin-top: 22px;
    padding: 18px;
    background: #f8fbff;
    border: 1px solid #dbe7ff;
    border-radius: 14px;
  }
  
  .toggle-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    font-size: 0.96rem;
    font-weight: 500;
  }
  
  .toggle-row input[type="checkbox"] {
    width: 18px;
    height: 18px;
    accent-color: var(--primary-blue);
    flex: 0 0 auto;
  }
  
  .button-row {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 24px;
  }
  
  .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 50px;
    padding: 0 20px;
    border-radius: 12px;
    border: 1px solid transparent;
    font-weight: 700;
    text-decoration: none;
    cursor: pointer;
    transition: var(--transition);
  }
  
  .btn-primary {
    background: var(--primary-blue);
    color: var(--white);
    box-shadow: var(--shadow-sm);
    border-color: #e2e8f0;
  }
  
  .btn-primary:hover {
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
  }
  
  .btn-secondary {
    background: var(--white);
    color: var(--primary-blue);
    border-color: var(--primary-blue);
  }
  
  .btn-secondary:hover {
    background: var(--primary-blue);
  }
  
  .btn-light {
    background: #f8fafc;
  }
  
  .form-message {
    margin-bottom: 18px;
    padding: 14px 16px;
    border-radius: 12px;
    font-weight: 500;
  }
  
  .error-message {
    background: var(--danger-bg);
    color: var(--danger-text);
    border: 1px solid #fecaca;
  }
  
  .hidden {
    display: none !important;
  }
  
  .results-placeholder {
    min-height: 420px;
    display: grid;
    place-items: center;
    text-align: center;
    padding: 28px;
    border: 1px dashed var(--border-color);
    border-radius: 16px;
    color: var(--text-muted);
    background: linear-gradient(180deg, #fafcff 0%, #ffffff 100%);
  }
  
  .results-placeholder i {
    font-size: 2rem;
    color: var(--primary-blue);
    margin-bottom: 12px;
  }
  
  .results-content {
    display: grid;
    gap: 20px;
  }
  
  .status-banner {
    border-radius: 14px;
    padding: 16px 18px;
    border: 1px solid transparent;
  }
  
  .status-banner.general {
    background: #eff6ff;
    border-color: #bfdbfe;
  }
  
  .status-banner.positive {
    background: var(--success-bg);
    border-color: #a7f3d0;
  }
  
  .status-banner.warning {
    background: var(--warning-bg);
    border-color: #fed7aa;
  }
  
  .status-banner.negative {
    background: var(--danger-bg);
    border-color: #fecaca;
  }
  
  .status-badge {
    display: inline-flex;
    align-items: center;
    min-height: 28px;
    padding: 0 10px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.8);
    font-size: 0.82rem;
    font-weight: 700;
    margin-bottom: 10px;
  }
  
  .results-summary-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
  }
  
  .summary-item {
    border: 1px solid var(--border-color);
    border-radius: 14px;
    padding: 16px;
    background: var(--white);
    min-width: 0;
  }
  
  .summary-item.accent {
    background: #f8fbff;
    border-color: #dbe7ff;
  }
  
  .summary-item .label {
    display: block;
    font-size: 0.92rem;
    color: var(--text-muted);
    margin-bottom: 6px;
  }
  
  .summary-item strong {
    font-size: clamp(1rem, 1.2vw, 1.3rem);
    line-height: 1.35;
    word-break: break-word;
    overflow-wrap: anywhere;
  }
  
  .milestone-summary {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
  }
  
  .milestone-card,
  .insight-card,
  .callout-card,
  .trust-card,
  .related-card,
  .tip-card,
  .benefit-card,
  .scenario-card,
  .impact-item {
    border: 1px solid var(--border-color);
    border-radius: 16px;
    background: var(--white);
  }
  
  .milestone-card {
    padding: 18px;
  }
  
  .milestone-card h4 {
    margin-bottom: 14px;
    font-size: 1.02rem;
  }
  
  .metric-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    padding: 11px 0;
    border-bottom: 1px solid #f1f5f9;
  }
  
  .metric-row:last-child {
    border-bottom: none;
    padding-bottom: 0;
  }
  
  .metric-row span {
    color: var(--text-muted);
  }

  .metric-row strong {
    min-width: 0;
    text-align: right;
    word-break: break-word;
  }
  
  .insight-stack {
    display: grid;
    gap: 14px;
  }
  
  .insight-card {
    padding: 18px;
  }
  
  .insight-card h4 {
    margin-bottom: 10px;
    font-size: 1.02rem;
  }
  
  .insight-card p {
    color: var(--text-muted);
    line-height: 1.8;
  }
  
  .chart-wrap {
    border: 1px solid var(--border-color);
    border-radius: 16px;
    padding: 18px;
    background: var(--white);
  }
  
  .chart-header {
    margin-bottom: 14px;
  }
  
  .chart-header h4 {
    margin-bottom: 6px;
  }
  
  .chart-header p {
    color: var(--text-muted);
    line-height: 1.7;
  }
  
  .chart-wrap canvas {
    width: 100%;
    height: auto;
    display: block;
  }
  
  .yearly-breakdown-wrap {
    border: 1px solid var(--border-color);
    border-radius: 16px;
    padding: 18px;
    background: var(--white);
  }
  
  .table-responsive {
    overflow-x: auto;
  }
  
  .breakdown-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 0;
  }
  
  .breakdown-table th,
  .breakdown-table td {
    text-align: left;
    padding: 12px 10px;
    border-bottom: 1px solid #eef2f7;
    font-size: 0.95rem;
  }
  
  .breakdown-table th {
    font-weight: 700;
    color: var(--text-main);
    background: #f8fafc;
  }
  
  .content-section .prose,
  .formula-explain.prose,
  .split-prose .prose,
  .editorial-main.prose {
    color: var(--text-main);
  }
  
  .prose p,
  .formula-explain p {
    color: var(--text-main);
    line-height: 1.9;
    margin-bottom: 18px;
  }
  
  .prose a,
  .steps-list a,
  .benefit-card a,
  .tip-card a,
  .scenario-card a {
    color: var(--primary-blue);
    text-decoration: none;
    font-weight: 600;
  }
  
  .prose a:hover,
  .steps-list a:hover,
  .benefit-card a:hover,
  .tip-card a:hover,
  .scenario-card a:hover {
    text-decoration: underline;
  }
  
  .editorial-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(280px, 0.85fr);
    gap: 24px;
    align-items: start;
  }
  
  .callout-card {
    padding: 22px;
    background: #f8fbff;
    border-color: #dbe7ff;
  }
  
  .callout-card h3 {
    margin-bottom: 10px;
  }
  
  .callout-card p {
    color: var(--text-muted);
    line-height: 1.8;
  }
  
  .benefit-grid,
  .tips-grid,
  .scenario-list {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 16px;
  }
  
  .benefit-card,
  .tip-card,
  .scenario-card {
    padding: 20px;
  }
  
  .benefit-card i {
    font-size: 1.3rem;
    color: var(--primary-blue);
    margin-bottom: 14px;
  }
  
  .benefit-card h3,
  .tip-card h3,
  .scenario-card h3 {
    font-size: 1.05rem;
    margin-bottom: 10px;
  }
  
  .benefit-card p,
  .tip-card p,
  .scenario-card p {
    color: var(--text-muted);
    line-height: 1.8;
  }
  
  .steps-list {
    display: grid;
    gap: 16px;
  }
  
  .step-item {
    display: grid;
    grid-template-columns: 52px minmax(0, 1fr);
    gap: 18px;
    align-items: start;
    padding: 20px;
    border: 1px solid var(--border-color);
    border-radius: 16px;
    background: var(--white);
  }
  
  .step-number {
    width: 52px;
    height: 52px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: #eff6ff;
    color: var(--primary-blue);
    font-weight: 800;
    font-size: 1rem;
  }
  
  .step-item h3 {
    margin-bottom: 8px;
    font-size: 1.05rem;
  }
  
  .step-item p {
    color: var(--text-muted);
    line-height: 1.8;
  }
  
  .split-prose {
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
    gap: 22px;
  }
  
  .impact-list {
    display: grid;
    gap: 14px;
  }
  
  .impact-item {
    padding: 18px;
  }
  
  .impact-item h3 {
    margin-bottom: 8px;
    font-size: 1rem;
  }
  
  .impact-item p {
    color: var(--text-muted);
    line-height: 1.75;
  }
  
  .formula-layout {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: 22px;
    align-items: start;
  }
  
  .formula-card {
    padding: 22px;
    border: 1px solid #dbe7ff;
    border-radius: 18px;
    background: #f8fbff;
  }
  
  .formula-card h3 {
    margin-bottom: 14px;
  }
  
  .formula-large {
    font-size: 1.04rem;
    line-height: 1.7;
    font-weight: 700;
    margin-bottom: 14px;
    color: var(--text-main);
  }
  
  .scenario-tag {
    display: inline-flex;
    min-height: 28px;
    align-items: center;
    padding: 0 10px;
    border-radius: 999px;
    background: #eff6ff;
    color: var(--primary-blue);
    font-size: 0.82rem;
    font-weight: 700;
    margin-bottom: 12px;
  }
  
  .faq-list {
    display: grid;
    gap: 14px;
  }
  
  .faq-item {
    border: 1px solid var(--border-color);
    border-radius: 14px;
    background: var(--white);
    padding: 0 18px;
  }
  
  .faq-item summary {
    cursor: pointer;
    list-style: none;
    padding: 18px 0;
    font-weight: 700;
    position: relative;
  }
  
  .faq-item summary::-webkit-details-marker {
    display: none;
  }
  
  .faq-item p {
    padding: 0 0 18px;
    color: var(--text-muted);
    line-height: 1.8;
  }
  
  .trust-card {
    padding: 26px;
    background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
  }
  
  .trust-card h2 {
    margin-bottom: 12px;
  }
  
  .trust-card p {
    color: var(--text-muted);
    line-height: 1.85;
  }
  
  .related-grid {
    display: grid;
    gap: 16px;
  }
  
  .related-grid-4 {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
  
  .related-card {
    display: block;
    padding: 20px;
    text-decoration: none;
    transition: var(--transition);
  }
  
  .related-card:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-sm);
  }
  
  .related-card h3 {
    color: var(--text-main);
    font-size: 1.02rem;
    margin-bottom: 8px;
  }
  
  .related-card p {
    color: var(--text-muted);
    line-height: 1.75;
  }
  
  .cta-section {
    padding: 80px 0;
  }
  
  .cta-card {
    padding: 34px;
    border: 1px solid #dbe7ff;
    border-radius: 20px;
    background: linear-gradient(180deg, #f8fbff 0%, #eff6ff 100%);
    text-align: left;
  }
  
  .cta-card h2 {
    font-size: clamp(1.8rem, 3vw, 2.5rem);
    margin-bottom: 14px;
  }
  
  .cta-card p {
    max-width: 800px;
    color: var(--text-muted);
    line-height: 1.85;
    margin-bottom: 22px;
  }
  
  @media (max-width: 1100px) {
    .calculator-shell,
    .split-prose,
    .formula-layout,
    .editorial-grid,
    .related-grid-4 {
      grid-template-columns: 1fr;
    }
  
    .benefit-grid,
    .tips-grid,
    .scenario-list {
      grid-template-columns: repeat(2, minmax(0, 1fr));
    }
  }
  
  @media (max-width: 768px) {

    .hero {
      padding: 20px 0 20px;
  }
  
    .section-padding,
    .cta-section {
      padding: 56px 0;
    }
  
    .calculator-panel,
    .cta-card,
    .trust-card,
    .benefit-card,
    .tip-card,
    .scenario-card,
    .step-item,
    .callout-card,
    .formula-card,
    .impact-item {
      padding: 18px;
    }
  
    .form-grid.two-col,
    .results-summary-grid,
    .milestone-summary,
    .benefit-grid,
    .tips-grid,
    .scenario-list {
      grid-template-columns: 1fr;
    }
  
    .button-row {
      flex-direction: column;
    }
  
    .btn {
      width: 100%;
    }
  
    .step-item {
      grid-template-columns: 44px minmax(0, 1fr);
      gap: 14px;
    }
  
    .step-number {
      width: 44px;
      height: 44px;
    }
  
    .toggle-row,
    .metric-row {
      align-items: flex-start;
      flex-direction: column;
    }
  }