:root{--bg:#f5f7fa;--card:#fff;--ink:#10233f;--muted:#64748b;--line:#dce3ea;--navy:#102a43;--blue:#1769aa;--blue2:#0f568e;--soft:#edf5fb;--green:#16794b;--green-soft:#edf8f2;--pro:#49358f;--pro-soft:#f3f0fb;--danger:#9b2c2c}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.55}a{color:var(--blue)}.wrap{max-width:1080px;margin:auto;padding:0 20px}.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.nav{min-height:64px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{font-weight:900;color:var(--navy);text-decoration:none;letter-spacing:-.03em}.navlinks{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.navlinks a{text-decoration:none;color:#334155;font-weight:700;font-size:14px}.pill{background:var(--pro);color:#fff!important;padding:9px 13px;border-radius:999px}.hero{padding:58px 0 30px;text-align:center}.eyebrow{font-size:13px;font-weight:900;letter-spacing:.08em;text-transform:uppercase;color:var(--blue)}h1{font-size:clamp(36px,6vw,62px);line-height:1.03;margin:10px auto 16px;max-width:880px;letter-spacing:-.045em;color:var(--navy)}h2{font-size:28px;letter-spacing:-.025em;margin:0 0 12px;color:var(--navy)}h3{margin:0 0 8px;color:var(--navy)}.lead{font-size:18px;color:var(--muted);max-width:760px;margin:auto}.card{background:var(--card);border:1px solid var(--line);border-radius:20px;box-shadow:0 8px 30px rgba(16,42,67,.05)}.calc{padding:26px;max-width:840px;margin:24px auto}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.tool{padding:22px;text-decoration:none;color:inherit;transition:.15s}.tool:hover{transform:translateY(-2px);border-color:#a9c9df}.tool p{color:var(--muted);margin-bottom:0}.tool.pro-card{background:var(--pro-soft);border-color:#d7cdef}.tool.pro-card .badge{background:var(--pro);color:#fff}.section{padding:28px 0}.row{display:grid;grid-template-columns:1fr 220px;gap:14px;align-items:end;margin:12px 0}label{font-weight:800}.hint,.note{font-size:13px;color:var(--muted)}input,select{width:100%;padding:14px;border:1px solid #cbd5e1;border-radius:11px;font-size:16px;background:#fff}input:focus,select:focus{outline:3px solid #d8eaf6;border-color:var(--blue)}button,.button{border:0;border-radius:11px;padding:14px 18px;background:var(--blue);color:#fff;font-weight:800;font-size:16px;cursor:pointer;text-decoration:none;display:inline-block}button:hover,.button:hover{background:var(--blue2)}.secondary{background:#e8eef3;color:#334155}.secondary:hover{background:#dce5ec}.danger{background:#f7eded;color:var(--danger);padding:10px 13px;font-size:14px}.danger:hover{background:#f0dddd}.actions{display:flex;gap:10px;margin-top:20px;flex-wrap:wrap}.results{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:22px}.results.four{grid-template-columns:repeat(4,1fr)}.metric{padding:18px;border:1px solid var(--line);border-radius:15px;background:#fafcfd}.metric small{display:block;color:var(--muted);font-weight:700}.metric strong{display:block;font-size:26px;margin-top:4px;color:var(--navy)}.metric.big{background:var(--green-soft);border-color:#cbe7d8}.metric.big strong{color:var(--green)}.ad{min-height:90px;border:1px dashed #cbd5e1;border-radius:14px;display:flex;align-items:center;justify-content:center;color:#94a3b8;font-size:12px;margin:24px auto;max-width:840px}.copy{padding:28px;margin-bottom:18px}.faq details{padding:16px 0;border-top:1px solid var(--line)}.faq summary{font-weight:800;cursor:pointer}.callout{background:var(--navy);color:#fff;padding:30px;border-radius:20px}.callout h2{color:#fff}.callout p{color:#dbe7f0}.callout .badge{background:#dcecf7;color:#123b5a}.pro-callout{background:var(--pro-soft);border:1px solid #d7cdef;padding:26px;border-radius:20px;max-width:840px;margin:0 auto}.pro-callout h2{color:#33236f}.pro-callout .button{background:var(--pro)}.badge{display:inline-block;background:var(--soft);color:#15537f;font-weight:800;font-size:12px;padding:6px 10px;border-radius:999px}.badge.new{background:var(--green-soft);color:var(--green)}.expense-row{display:grid;grid-template-columns:minmax(180px,1.4fr) minmax(110px,.7fr) minmax(130px,.8fr) auto;gap:10px;align-items:end;padding:14px 0;border-bottom:1px solid var(--line)}.expense-row label{display:block;font-size:13px;margin-bottom:5px}.breakdown{margin-top:18px;border-top:1px solid var(--line);padding-top:12px}.breakdown-row{display:grid;grid-template-columns:1fr auto auto;gap:16px;padding:9px 0;border-bottom:1px solid #edf1f4;font-size:14px}.meaning{background:var(--soft);border-left:4px solid var(--blue);padding:14px 16px;margin-top:16px;border-radius:8px;color:#334155}.bar{height:14px;background:#e9eef2;border-radius:999px;overflow:hidden;margin:18px 0 6px}.bar i{display:block;height:100%;background:var(--blue);width:0}.feature-line{font-weight:800;color:#dbe7f0}.pro-card .feature-line{color:#49358f;font-size:13px}footer{padding:40px 0 55px;color:var(--muted);font-size:13px;text-align:center}.footerlinks{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-bottom:8px}@media(max-width:900px){.results.four{grid-template-columns:repeat(2,1fr)}}@media(max-width:780px){.grid{grid-template-columns:1fr}.row,.expense-row{grid-template-columns:1fr}.results,.results.four{grid-template-columns:1fr}.navlinks > a:not(.pill){display:none}.calc{padding:19px}.breakdown-row{grid-template-columns:1fr auto}.breakdown-row span:nth-child(3){display:none}}
/* Version 2.2 — modern visual layer */
:root{--bg:#f6f8fc;--ink:#10213a;--muted:#617086;--line:#dfe7f0;--navy:#0b2442;--blue:#1769aa;--blue2:#0b5794;--soft:#edf6ff;--green:#13805a;--green-soft:#eaf8f1;--pro:#49358f;--pro-soft:#f4f1fb;--shadow:0 18px 55px rgba(18,45,75,.08)}
body{background:radial-gradient(circle at 15% 0%,#edf6ff 0,transparent 30%),linear-gradient(#fbfcfe,#f5f7fb 38%,#f7f9fc)}
.top{background:rgba(255,255,255,.9);backdrop-filter:blur(14px)}.nav{min-height:70px}.brand{font-size:18px}.hero{padding:72px 20px 40px}.hero h1{background:linear-gradient(110deg,#0b2442,#1769aa);-webkit-background-clip:text;background-clip:text;color:transparent}.lead{font-size:19px;line-height:1.7}.card{box-shadow:var(--shadow)}
.hero-home{display:grid;grid-template-columns:1.12fr .88fr;gap:38px;align-items:center;text-align:left;padding-top:68px}.hero-home h1{margin:12px 0 18px}.hero-home .lead{margin:0;max-width:680px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.button.ghost{background:#fff;color:var(--navy);border:1px solid var(--line)}
.preview-panel{background:rgba(255,255,255,.92);border:1px solid #dbe7f1;border-radius:26px;padding:24px;box-shadow:0 25px 70px rgba(14,50,84,.13)}.preview-top{display:flex;justify-content:space-between;align-items:center;gap:12px}.preview-label{font-size:13px;font-weight:850;color:var(--muted)}.preview-amount{font-size:40px;font-weight:900;letter-spacing:-.04em;color:var(--navy);margin:5px 0}.preview-sub{color:var(--muted);font-size:14px}.mini-chart{height:142px;display:flex;align-items:flex-end;gap:9px;padding:18px 0 8px;border-bottom:1px solid var(--line)}.mini-chart span{flex:1;background:linear-gradient(180deg,#3f8fc7,#1769aa);border-radius:7px 7px 2px 2px;min-height:12px;position:relative}.mini-chart span::after{content:attr(data-y);position:absolute;bottom:-25px;left:50%;transform:translateX(-50%);font-size:10px;color:#8190a3}.preview-foot{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:32px}.preview-stat{background:#f7fafd;border:1px solid #e6edf4;border-radius:14px;padding:12px}.preview-stat small{display:block;color:var(--muted);font-size:11px}.preview-stat strong{display:block;margin-top:3px;color:var(--navy)}
.trust-row{display:flex;justify-content:center;gap:28px;flex-wrap:wrap;padding:10px 0 18px;color:#52657a;font-size:13px;font-weight:750}.trust-row span::before{content:'✓';color:var(--green);margin-right:7px}.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:18px}.section-head p{margin:0;color:var(--muted);max-width:560px}.tool{position:relative;overflow:hidden;padding:24px;min-height:190px}.tool:before{content:'';display:block;width:42px;height:5px;border-radius:99px;background:linear-gradient(90deg,var(--blue),#68acd8);margin-bottom:20px}.tool:hover{transform:translateY(-4px);box-shadow:0 20px 45px rgba(16,42,67,.11)}.tool h3{font-size:19px}.tool-arrow{position:absolute;right:20px;bottom:17px;color:var(--blue);font-weight:900}.category{font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:#718096;font-weight:850;margin-bottom:7px}.insight-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.insight{padding:24px}.insight strong{font-size:28px;color:var(--navy);display:block}.insight p{color:var(--muted);margin-bottom:0}.value-section{background:linear-gradient(135deg,#0b2748,#123d67);border-radius:28px;padding:38px;color:white}.value-section h2{color:white}.value-section p{color:#dbe7f3}.value-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:22px}.value-item{padding:18px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.13);border-radius:16px}.value-item strong{display:block;margin-bottom:5px}.value-item span{font-size:14px;color:#dbe7f3}
.calc{border-top:5px solid var(--blue);padding:30px}.results{margin-top:26px}.metric{background:linear-gradient(180deg,#fff,#f8fbfd)}.metric.big{background:linear-gradient(180deg,#eefaf4,#e8f7ef)}.metric strong{font-size:29px}.result-visual{margin-top:18px;padding:18px;border-radius:16px;background:#f7fafd;border:1px solid var(--line)}.result-visual-title{display:flex;justify-content:space-between;gap:10px;font-size:13px;font-weight:800;color:#536579;margin-bottom:12px}.result-bars{height:92px;display:flex;align-items:flex-end;gap:10px}.result-bars i{display:block;flex:1;min-height:8px;border-radius:6px 6px 2px 2px;background:linear-gradient(180deg,#65a9d6,#1769aa);transition:height .25s ease}.result-axis{display:flex;justify-content:space-between;color:#8391a2;font-size:10px;margin-top:5px}.content-rich{padding:30px}.content-rich h2{margin-top:0}.content-rich h3{margin-top:24px}.content-rich p,.content-rich li{color:#52657a}.content-rich li{margin:8px 0}.related-tools{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.related-tools a{padding:17px;border:1px solid var(--line);background:white;border-radius:14px;text-decoration:none;font-weight:800;color:var(--navy)}
@media(max-width:900px){.hero-home{grid-template-columns:1fr;text-align:center}.hero-home .lead{margin:auto}.hero-actions{justify-content:center}.preview-panel{max-width:600px;margin:auto}.insight-grid,.value-grid{grid-template-columns:1fr}.related-tools{grid-template-columns:1fr}}@media(max-width:600px){.hero{padding-top:48px}.preview-amount{font-size:34px}.preview-foot{grid-template-columns:1fr}.section-head{display:block}.section-head p{margin-top:8px}}

/* v2.2.2 visual results system */
.visual-result{margin-top:22px;padding:22px;border:1px solid var(--line,#dfe6ee);border-radius:18px;background:linear-gradient(180deg,#fff,#f8fbfe)}
.visual-result-head{display:flex;justify-content:space-between;gap:16px;align-items:end;margin-bottom:18px}.visual-result-head h3{margin:0;font-size:1.15rem}.visual-result-head span{font-size:.84rem;color:var(--muted,#667085)}
.growth-bars{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;align-items:end;min-height:190px}.growth-col{display:flex;flex-direction:column;justify-content:end;gap:7px;min-width:0}.growth-value{font-weight:800;font-size:.95rem;overflow-wrap:anywhere}.growth-track{height:130px;border-radius:12px;background:#edf2f7;display:flex;align-items:end;overflow:hidden}.growth-fill{width:100%;min-height:4px;border-radius:12px 12px 0 0;background:linear-gradient(180deg,#36a7f2,#1554a0);transition:height .35s ease}.growth-label{font-size:.82rem;color:var(--muted,#667085)}
.split-visual{display:grid;grid-template-columns:minmax(180px,.8fr) minmax(220px,1.2fr);gap:24px;align-items:center}.ring-wrap{display:grid;place-items:center}.result-ring{width:190px;aspect-ratio:1;border-radius:50%;display:grid;place-items:center;background:conic-gradient(#149df2 0 65%,#1d4a8d 65% 85%,#69bd84 85% 100%);position:relative}.result-ring:after{content:'';position:absolute;width:68%;height:68%;border-radius:50%;background:#fff}.ring-center{position:relative;z-index:1;text-align:center}.ring-center strong{display:block;font-size:1.35rem}.ring-center small{color:var(--muted,#667085)}
.visual-list{display:grid;gap:10px}.visual-row{display:grid;grid-template-columns:minmax(110px,1fr) minmax(80px,2fr) auto;gap:10px;align-items:center;font-size:.88rem}.visual-bar{height:10px;background:#e8eef5;border-radius:99px;overflow:hidden}.visual-bar i{display:block;height:100%;border-radius:99px;background:#2b78bd;transition:width .35s ease}.visual-row strong{font-size:.88rem}.visual-note{margin:14px 0 0;color:var(--muted,#667085);font-size:.84rem}
.hero-example-visual{margin-top:14px;display:grid;grid-template-columns:92px 1fr;gap:16px;align-items:center}.hero-ring{width:92px;aspect-ratio:1;border-radius:50%;display:grid;place-items:center;background:conic-gradient(#149df2 0 20%,#1d4a8d 20% 45%,#69bd84 45% 100%);position:relative}.hero-ring:after{content:'';position:absolute;width:68%;height:68%;border-radius:50%;background:#fff}.hero-ring strong{position:relative;z-index:1;font-size:.8rem;text-align:center}.hero-growth{display:grid;grid-template-columns:repeat(5,1fr);gap:6px;align-items:end;height:90px}.hero-growth span{display:block;background:linear-gradient(180deg,#36a7f2,#1554a0);border-radius:6px 6px 2px 2px;position:relative}.hero-growth span:after{content:attr(data-y);position:absolute;left:50%;transform:translateX(-50%);bottom:-18px;font-size:.68rem;color:var(--muted,#667085)}
@media(max-width:650px){.split-visual{grid-template-columns:1fr}.growth-bars{min-height:160px}.growth-track{height:105px}.visual-row{grid-template-columns:1fr auto}.visual-bar{grid-column:1/-1}.visual-result-head{align-items:start;flex-direction:column}.hero-example-visual{grid-template-columns:1fr}.hero-ring{margin:auto}}

/* Navigation-only dropdown patch */
.nav-dropdown{position:relative;display:inline-block}.nav-dropdown summary{list-style:none;cursor:pointer;font-weight:700;color:inherit;display:flex;align-items:center;gap:5px;white-space:nowrap}.nav-dropdown summary::-webkit-details-marker{display:none}.nav-chevron{font-size:1.65em;line-height:1}.calculator-menu{display:none;position:absolute;right:0;top:calc(100% + 12px);z-index:1000;width:310px;padding:10px;background:#fff;border:1px solid #dbe5f0;border-radius:14px;box-shadow:0 18px 45px rgba(14,45,78,.16)}.nav-dropdown[open] .calculator-menu{display:grid;gap:2px}.calculator-menu a{display:block;padding:9px 11px;border-radius:9px;text-decoration:none;color:#102f52;font-weight:600;line-height:1.25}.calculator-menu a:hover,.calculator-menu a:focus{background:#f0f7fd;color:#0877bd}.calculator-menu{max-height:calc(100vh - 100px);max-height:calc(100dvh - 100px);overflow-y:auto;overscroll-behavior:contain}
/* Keep calculator links visible and the menu within small touch screens. */
@media(max-width:780px){
.nav{flex-direction:column;align-items:stretch;gap:8px;padding-top:12px;padding-bottom:12px}
.brand{text-align:center}
.navlinks{justify-content:space-between;gap:10px;min-width:0}
.nav-dropdown{position:static;min-width:0}
.nav-dropdown summary{min-height:44px;padding:8px 10px;font-size:14px;touch-action:manipulation}
.nav-dropdown[open] .calculator-menu{display:grid}
.calculator-menu{position:absolute;top:100%;left:12px;right:12px;width:auto;margin:0;max-height:60vh;max-height:60dvh;overflow-y:auto;overscroll-behavior:contain;-webkit-overflow-scrolling:touch}
.navlinks .calculator-menu a{display:block;min-height:44px;padding:12px 11px;font-size:14px;overflow-wrap:anywhere}
.navlinks > .pill{min-height:44px;display:flex;align-items:center;justify-content:center;font-size:13px;padding:9px 11px}
}
.nav-dropdown summary:focus-visible{outline:3px solid #1769aa;outline-offset:3px;border-radius:6px}


/* Locked master patch: visually differentiate the 12th Pro — Coming Soon card only */
.tool.pro-tool{
  background:linear-gradient(180deg,#faf8ff 0%,#f3effc 100%);
  border-color:#cfc4ec;
}
.tool.pro-tool:before{
  background:linear-gradient(90deg,#49358f,#8a72c8);
}
.tool.pro-tool .category{
  color:#6b55a7;
}
.tool.pro-tool .badge{
  background:#49358f;
  color:#fff;
}
.tool.pro-tool h3{
  color:#33236f;
}
.tool.pro-tool .tool-arrow{
  color:#49358f;
}
.tool.pro-tool:hover{
  border-color:#aa98d8;
  box-shadow:0 20px 45px rgba(73,53,143,.14);
}

/* Approved Pro card patch: match the top Pro — Coming Soon pill exactly */
.tool.pro-tool{
  background:var(--pro);
  border-color:var(--pro);
  color:#fff;
}
.tool.pro-tool:before{
  background:rgba(255,255,255,.32);
}
.tool.pro-tool .category,
.tool.pro-tool h3,
.tool.pro-tool p,
.tool.pro-tool .tool-arrow{
  color:#fff;
}
.tool.pro-tool .badge{
  background:#fff;
  color:var(--pro);
}
.tool.pro-tool:hover{
  background:var(--pro);
  border-color:var(--pro);
  box-shadow:0 20px 45px rgba(73,53,143,.24);
}